Idealx Client Services Agreement

Definitions and interpretation #

A specific meaning or rule in the relevant service clause prevails over a general definition. References to an accepted schedule or record mean the version supplied for that service, not an undisclosed internal policy. Mandatory legal rights and obligations are not displaced by these definitions.

Contract particulars #

Client means the individual, company or other legal person identified as the account holder in the accepted application and account confirmation, acting in the capacity recorded there.

For a trust or self-managed superannuation fund, the Client is the trustee or trustees identified in the application, acting for that trust or fund. A person operating the account is not a contracting Client merely because they have a login.

Platform: Idealx Platform Pty Ltd, ACN 694 912 126, ABN 83 694 912 126, registered office: Suite 109, Level 1, 40 Burgundy Street, Heidelberg VIC 3084, Australia; customer support: support@idealx.com; contractual notices to Platform: notices@idealx.com.

Securities Provider: Idealx Securities Limited, ACN 647 627 889, ABN 41 647 627 889, AFSL 531729; address: 29 Wandypark Road, Wandandian NSW 2540, Australia; customer support: support@idealx.com; contractual notices: notices@idealx.com; complaints: complains@idealx.com.

Digital Asset Provider: Idealx Digital Assets Pty Ltd, ACN 667 364 276, ABN 39 667 364 276, historical AUSTRAC identifier DCE100854832-001; current registration and scope as verified in the Service Particulars, location: Surry Hills NSW 2010, Australia; customer support: support@idealx.com; contractual notices: notices@idealx.com; complaints: complains@idealx.com.

The Service Particulars identify Platform’s current corporate authorised representative appointment and number for each regulated service. AFSL 531729 is held by Idealx Securities Limited; it is not Platform’s representative number. Financial services are available only within an effective appointment and the applicable licence conditions. The account confirmation records the effective date, selected services, providers and accepted document versions. Victorian law applies as set out in clause 15.

1. Parties and contract formation #

1.1 Platform is the contracting party for this Client Services Agreement. It governs the Client's relationship with Platform. A Service Schedule creates a separate service contract with its named provider only when that provider accepts the Client for the service and the applicable terms have been supplied and accepted. Group membership alone does not make an entity responsible for another entity's contractual obligations.

1.2 References to an Idealx provider mean the entity responsible for the relevant service. Statutory responsibility, including any responsibility of an AFS licensee for its representatives, is not limited by this allocation.

1.3 An application does not oblige Idealx to open an account. Idealx may request information, restrict available services or decline an application on reasonable eligibility, legal, financial-crime, operational or commercial grounds consistent with applicable law.

1.4 No financial service is supplied in reliance on a proposed representative appointment before that appointment and its scope are effective. The Platform's representative status, where applicable, does not confer authority on the Client or a Console firm.

1.5 Mandatory law prevails. Subject to that, an expressly negotiated variation prevails over the relevant Service Schedule, which prevails over these common terms. A client mandate controls delegated permissions but does not enlarge a provider's authority. Third-party contracts govern that provider's service and do not silently remove Idealx obligations. Material conflicts must be resolved and disclosed before activation.

1.6 This is an online service. The Client submits acceptance by actively selecting the acceptance checkbox and activating the clearly labelled acceptance button after being given access to the identified terms. No handwritten or physical signature is required for this ordinary agreement. An authorised person accepting for an entity must identify that entity and their capacity; Idealx may require additional electronic approvals or authority evidence before activating services.

1.7 The Client's submission is an application until Idealx confirms acceptance electronically. That confirmation identifies the contracting provider, effective date and accepted documents. Acceptance of the Platform agreement does not activate unselected services or bind a third-party provider before its own acceptance requirements are met.

1.8 Idealx accepts the electronic methods presented in its approved workflow. The Client nominates the verified electronic contact details for communications and consents to electronic dealings through that workflow where consent is required. Notices and statutory disclosures must still be delivered using a legally available method. The Client may contact Idealx to update delivery preferences or raise access difficulties; any mandatory alternative-delivery rights are preserved. No new adverse authority is inferred merely from logging in or continuing to browse.

1.9 the Idealx Client Cash Placement and Earnings Agreement and Idealx Client Asset Use Programme Agreement require their specific completed authority and separate unticked consent when first activated, which may occur during registration. Idealx Platform Asset Return Undertaking and Guarantee Deed Poll is a Platform deed delivered to the covered Client after valid company execution, not executed by a Client checkbox. Routine actions within an accepted mandate do not require re-signing. Applicable reusable service terms may be accepted together during registration. A later clearly explained transaction or subscription action may activate an already agreed service and authorise the specified initial instructions without re-signing unchanged agreements. Supply additional product/provider documents or obtain new consent where actually required; registration is not advance consent to unknown investment choices, new fees or materially expanded powers.

1.10 Platform is the principal commercial counterparty for the digital platform membership, interface, Console access and platform administration relationship. Platform administers the platform brand, product experience and commercial offering within the rights granted by its licensors, subject to applicable law and the actual provider arrangements. Securities, Digital Assets and other identified providers supply their respective services under separate service arrangements; any required Client contracts and statutory rights against them remain effective. A provider's participation does not itself give it ownership of the licensed technology, Platform's operating-business goodwill or its commercial relationship rights. Clients remain free to choose or change providers and advisers subject to their valid contracts; neither Clients nor their assets are owned by Platform.

2. Eligibility and verification #

2.1 Idealx may accept individuals, companies, and trustees of trusts or SMSFs. Individuals must be at least 18 and have legal capacity. Entity and trustee applicants must provide evidence of existence, capacity, beneficial ownership and signing authority reasonably requested by Idealx.

2.2 The Client must provide accurate information and promptly notify material changes, including residence, controllers, tax status, authority and sanctions exposure. Idealx may require identity, source-of-funds, source-of-wealth, tax and transaction information reasonably needed for compliance and service delivery.

2.3 Retail or wholesale status is assessed for the relevant service and legal test. A client declaration alone does not determine classification. Idealx may require supporting evidence and reassess eligibility; loss of eligibility may restrict new activity while existing positions are managed lawfully.

2.4 Services are available only in jurisdictions approved by Idealx where they can lawfully be supplied. Absence of sanctions is not sufficient eligibility. Idealx may apply country, product and client restrictions and must comply with any mandatory local protections that cannot be excluded by Australian governing law.

2.5 A trustee represents that entering the relevant transaction is within its powers and consistent with the trust deed and applicable obligations. Idealx does not obtain a blanket indemnity from beneficiaries, fund members or non-signing directors under this provision.

2.6 Idealx and the relevant service provider may use information collected or verified by an approved professional firm or other provider under a lawful reliance, agency or evidence-sharing arrangement. They need not repeat valid checks solely because those checks were performed elsewhere. Additional information may be required for the actual service, risk, provider terms or law. Acceptance by one provider is not automatic acceptance by every provider. Applicable privacy notices explain the information shared and its recipients.

3. Scope of services #

3.1 Available services are those expressly activated in the service selection record. Descriptions of possible features do not promise that every product or market is available.

3.2 The service description must distinguish factual information, general advice, personal advice, execution, custody and discretionary management. Personal advice or discretionary management is not activated by these general terms. It requires the necessary authorisation, documents and service-specific acceptance.

3.3 Product risks, third-party terms and required disclosure documents are supplied at the applicable time. Acknowledging receipt does not waive statutory rights or replace a provider's suitability, distribution or disclosure obligations.

3.4 Idealx Platform provides the agreed digital interface, account administration, payment-provider connectivity and access to selected services. Payment facilities are supplied under the identified provider arrangements; Idealx Platform does not represent itself as a bank or deposit-taking institution. Allocated payment account details do not themselves establish a bank deposit in the Client's name. The service record identifies any regulated service supplied by an Idealx entity and its capacity.

3.5 Unless separately appointed under an active lawful service, Platform does not act as the Client's investment manager, trustee, fund operator, auditor or tax adviser, and does not undertake to supervise an independent fund's investment decisions or independently certify its allotments. It does not promise that investment losses will be prevented or that every third-party statement will be independently audited. This does not limit its own service commitments or responsibilities imposed by law. An expressly activated asset-return obligation or guarantee is unaffected by this role description.

3.6 Past performance is not a reliable indicator of future performance. Investment values and returns may rise or fall, and the Client may lose some or all of the amount invested. Historical returns, charts, rankings and comparisons do not promise future returns or that the Client will achieve the displayed result. Actual Client results may differ because of transaction timing, execution prices, fees, taxes, exchange rates, cash holdings and unapproved strategy changes.

3.7 Estimates, forecasts, target returns, simulations and back-tested results are illustrative, depend on their stated assumptions and are not guaranteed. Simulated or back-tested performance is not actual investment performance. Displayed market prices and estimated valuations are indicative unless expressly identified as a binding quote or final transaction record. Data may be delayed or revised as identified in the service. These provisions do not permit inaccurate historical records, unsupported forecasts or misleading presentation, alter an accepted firm quote, or override an express guarantee validly given under a separate activated agreement.

3.8 Third-party names, logos and trade marks identify the relevant issuer, asset, fund, exchange or service provider and remain the property of their respective owners. Their display alone does not imply endorsement, sponsorship, affiliation, regulatory approval or a guarantee of an investment or of Idealx. Any actual relationship must be described accurately. A listing, logo or past return does not establish investment suitability or safety.

3.9 Idealx may make additional products available, including future Idealx-branded or related-party managed investment schemes, fixed-income funds, property funds and other lawful investments. Their inclusion in the product catalogue within this agreed scope does not itself require a new platform agreement or a separate launch notice to every Client, unless notice is required by law or the applicable terms. Availability is not a promise of launch, eligibility or performance. Registration does not subscribe the Client to a future product or accept its as-yet-undisclosed fees or risks. Schedule I governs access to future Idealx-branded funds; required product disclosures, authorisations and material-change notices remain applicable.

The MDA services are governed by the MDA Client Agreement, Auto Pilot Mandate, Auto Pilot Fee Schedule and Managed Strategies Mandate Schedule and the completed client investment program. They are not activated by ordinary account registration. Within a managed scope, those specific terms override inconsistent general dealing, instruction, liability or termination terms. Trend’s provider role must be identified; the Platform-only terms do not replace the MDA provider contract.

4. Authorised users and Console firms #

4.1 The Client may appoint users and professional firms through an accepted Client Authority. Permissions identify accounts, products, actions, limits and approval rules. Unless expressly granted, authority does not include withdrawals, beneficiary changes, fees, borrowing, asset reuse or delegation.

4.2 Idealx may rely on an authenticated instruction reasonably believed to be genuine and within an effective mandate, subject to agreed controls and any circumstances reasonably requiring further checks. Authentication alone does not conclusively establish liability for a fraudulent or unauthorised transaction.

4.3 The Client must promptly report suspected compromise or misuse. Idealx must apply reasonable security and response controls. Allocation of loss takes account of causation, each party's conduct, applicable provider terms and mandatory law; use of credentials alone does not transfer every loss to the Client.

4.4 A Client may revoke or reduce authority through the agreed channel. Idealx must implement verified revocation as soon as reasonably practicable and confirm it. It may complete already binding instructions and legal obligations; revoked authority must not support new discretionary actions.

4.5 A Console firm cannot approve its own appointment, increase its own permissions, or approve its own remuneration on behalf of the Client under a generic administration mandate. Any different mechanism requires separately verified, legally sufficient authority.

4.6 An independently appointed Firm acts for the Client in its stated capacity. Making Console available does not appoint that Firm as Idealx's agent or constitute Idealx's endorsement of its advice. Subject to Idealx's own legal and contractual duties, Idealx does not review each independent Firm recommendation for suitability or investment merits, supervise its ordinary professional work or guarantee its honesty or performance. The Firm is responsible for its advice, errors, misconduct and compliance with the Client mandate; allocation of any resulting loss remains subject to causation and applicable law.

4.7 Idealx may process authenticated Firm instructions within the verified recorded authority without obtaining a fresh Client approval for each action where the authority permits. This does not permit processing beyond recorded permissions, disregarding revocation or bypassing agreed controls. Reasonable reliance remains subject to facts requiring investigation and mandatory duties. Where the Firm acts on behalf of Idealx Securities or another Idealx entity, its actual representative status and that entity's applicable responsibilities prevail over the independent-Firm description.

5. Instructions, transactions and records #

5.1 Idealx may set and disclose cut-off times, transaction limits, approval procedures and supported channels. It may verify, decline or hold an instruction where reasonably necessary because it is incomplete, inconsistent with authority, unfunded, suspected to be fraudulent, unlawful or affected by a service disruption.

5.2 Quotes, estimates and indicative balances are distinguished from binding prices and settled funds. A transaction becomes binding at the point specified in its Service Schedule or transaction confirmation. Cancellation after that point is subject to execution status and applicable market or provider rules.

5.3 The Client must maintain sufficient settled funds or deliverable assets for accepted instructions and disclosed charges. This does not authorise unapproved credit or margin facilities.

5.4 Idealx may correct demonstrable errors, reverse provisional credits where a corresponding receipt has failed, and make adjustments required by law or binding market rules. It must explain a material adjustment where legally permitted and allow the Client to dispute it. Corrections must not be arbitrary or retrospectively reprice a valid trade for Idealx's convenience.

5.5 Statements and logs are evidence of activity, not conclusive proof against the Client. The Client should report discrepancies promptly; failure to do so does not automatically extinguish a legal claim.

6. Fees, spreads and deductions #

6.1 The Client pays only fees, spreads, commissions and expenses disclosed in the accepted Fee Schedule, quote or service-specific agreement. The schedule must identify the recipient, calculation, currency, taxes, timing and any minimum. No unspecified fee is created by this clause.

6.1A No monthly or annual account-maintenance fee applies to an ordinary account. Optional client-approved strategies cost 0.20% per annum on enrolled invested assets. Auto Pilot and discretionary Managed Strategies use their own accepted management and performance fee schedules. Independent professional fees and underlying investment expenses are separate where disclosed. Standard adviser Console access is free; fund-provider business services are separately priced.

6.2 Idealx may retain disclosed transaction spreads and provider remuneration where legally permitted. Any interest or asset-use earnings entitlement is governed exclusively by the applicable active schedule, not by this general fee clause.

6.3 The Client authorises deductions of due, disclosed Idealx fees from an identified account where the account arrangement and law permit. Advice fees and third-party professional fees require any additional legally prescribed consent. Receipt of a fee instruction from a Console firm alone is insufficient.

6.4 Idealx may invoice unpaid amounts. It may apply available money to a debt only where both obligations are held in the same legal capacity and set-off is permitted. There is no general cross-client, cross-trust or cross-entity set-off, lien or asset-sale right under these terms. Fees do not authorise use of protected client money.

6.5 A Client may dispute a charge and request its basis. Idealx will investigate and correct errors. Reasonably disputed charges do not alone justify withholding unrelated assets, without a separate lawful basis.

6.6 Idealx may offer negotiated prices, discounts, rebates, promotions and fee waivers for identified clients, firms or services where lawful. Each offer states its eligibility, duration and prospective expiry treatment. A concession does not amend another client's price or promise continuing concessions. New charges and adverse changes to an existing accepted tariff follow clause 14; a new transaction quote does not silently override that tariff.

7. Referrals and conflicts #

7.1 Idealx may receive introductions and pay referral fees, revenue shares or other benefits where permitted. The relevant nature, recipient and amount or calculation method will be disclosed where required before the relevant service or transaction. This provision does not authorise banned remuneration.

7.2 Referral costs are borne by Idealx unless a separate Client charge is clearly disclosed and agreed. A referrer does not acquire account access, transaction authority or ownership of the Client relationship through the introduction.

7.3 Idealx may use affiliated providers and may receive disclosed benefits, subject to applicable conflict-management and client-interest obligations. Commercial interests do not permit Idealx to disregard those obligations. Client information supplied for attribution or commission reporting must be limited to lawful, necessary information.

8. Providers and operational discretion #

8.1 Idealx may appoint and replace appropriately qualified service providers, subject to due diligence, required authorisations and the relevant schedule. Outsourcing does not exclude responsibilities that remain with Idealx by law or contract.

8.2 Material changes affecting asset ownership, insolvency treatment, service location or Client risk require appropriate prior disclosure and any required consent. An internal policy cannot amend agreed ownership or reuse rights.

8.3 Idealx may modify features, supported markets and operational limits for reasonable security, legal, provider or commercial reasons. Where a change materially disadvantages the Client, clause 14 applies. Delisting or service withdrawal must include an orderly exit process where practicable.

8.4 Within an accepted service and authority, Idealx may select or replace technical subcontractors, payment routes, connectivity and execution arrangements, and automate administrative processing. No separate transaction approval is required merely for an internal operational choice that does not alter the Client's instruction, price commitment, legal provider, ownership or material risk. Relevant execution duties, provider terms and clause 8.2 remain applicable. Selection may consider availability, security and service quality; no promise of the cheapest provider is made unless expressly stated.

8.5 Idealx may maintain, update, replace or retire interfaces, APIs and integrations. Give reasonable notice and a transition opportunity for planned material changes, and advance maintenance notice where practicable. Urgent security or legal changes may take effect immediately with notice when appropriate. No perpetual compatibility, uninterrupted access, guaranteed latency or bespoke development is promised without an accepted service commitment. Required standards of care, incident response, records access and orderly exit remain.

8.6 Idealx may offer different lawful service packages by client type, country, risk profile, provider capability and commercial arrangement. It may decline new products or transactions outside the activated service and may stop offering a service under clauses 13–14. It must distinguish declining future business from performing obligations already accepted.

9. Security and acceptable use #

9.1 Users must protect credentials, use required authentication, maintain supported devices and avoid unlawful activity, market abuse, misleading instructions and interference with the platform. Reasonable restrictions may be applied to scraping, reverse engineering, credential sharing and unauthorised redistribution of licensed market data, subject to non-excludable rights.

9.2 Idealx may record relevant access and instructions for security, evidence and compliance, with appropriate notification and lawful handling. It may contact authorised persons independently to verify unusual instructions.

9.3 Platform and its licensors retain the rights they own or validly license in the Idealx platform software, interfaces, Console, Atlas/Agent X/AtlasX technology, documentation and platform brands. Other providers retain only their respective rights and licences; shared branding does not confer ownership of intellectual property. Core IP, source code and brands are owned by TMA LLC-FZ, UAE, and made available to Platform under the applicable licensing chain. This description does not make the licensor a provider of regulated Client services. The Client receives a non-exclusive, non-transferable permission to use the service for its permitted purposes during the agreement, including authorised users. Client-provided content may be processed only to deliver agreed services and for other lawful disclosed purposes. No ownership of Client personal information, money or investments is acquired by this licence.

10. Privacy and confidentiality #

10.1 Idealx handles personal information as described in its Privacy Policy and relevant collection notices. This clause is not blanket consent to every data use. Separate consent is obtained where necessary, including for relevant sensitive information or optional marketing.

10.2 Client information may be shared with identified categories of providers, authorised firms, regulators and other recipients for lawful disclosed purposes. Cross-border handling, retention, access/correction and complaints must be explained in the notices. The service-specific collection notice identifies the relevant overseas handling and supplements the Privacy Policy.

10.3 Confidential information may be used to perform obligations, administer services, protect legal rights and comply with law. Disclosure must be restricted to recipients with a legitimate need and appropriate safeguards, except where law requires otherwise.

11. Suspension and restrictions #

11.1 Idealx may proportionately restrict an account for suspected fraud, security compromise, sanctions, legal requirements, missing material verification, material breach or serious settlement risk. Where practicable it will restrict the affected feature rather than the entire account.

11.2 Notice and reasons will be provided where lawful and reasonably practicable. Idealx may withhold information where disclosure is prohibited or would compromise legitimate investigations or security. Restrictions will be reviewed and lifted when their basis no longer exists.

11.3 Suspension does not transfer ownership of assets, cancel repayment duties or allow indefinite retention for convenience. Mandatory freezes and binding unsettled transactions may delay exit.

12. Responsibility and liability #

12.1 Each provider is responsible for its contracted services and for liabilities imposed by law. Market movements, issuer default and external disruption are not in themselves proof of provider fault. Nor does labelling an event external excuse failure to exercise legally or contractually required care in selecting or overseeing a provider, or to fulfil an express asset-return obligation. This clause does not create a general duty to supervise the investment decisions of independent funds or professional firms.

12.2 To the extent lawful, a provider is not liable for loss caused by an independent Firm’s advice, instruction error, breach of mandate, fraud or other misconduct to the extent the loss is not caused or contributed to by that provider’s breach or by conduct for which it bears legal responsibility. Providing Console or correctly processing an authorised instruction does not itself make Idealx responsible for the Firm’s professional decision. The Client remains responsible for its own lawful instructions and decisions within the actual service model.

12.3 The Client indemnifies the relevant provider against reasonable, documented direct losses caused by the Client's fraud, wilful misconduct or material breach, reduced to reflect contribution by Idealx or persons for whom it is responsible. This excludes penalties that cannot lawfully be indemnified, ordinary market loss unrelated to breach, and losses caused by Idealx's own breach or negligence. The provider must mitigate loss and permit reasonable participation in a third-party claim.

12.4 No provision excludes non-excludable rights, fraud liability, statutory remedies or applicable trust duties. The asset-return and guarantee obligations in any active programme are not limited by a general service-liability exclusion.

12.5 No provider guarantees investment returns, the accuracy of independent professional forecasts or the commercial success of a Client's activity. Neither market loss nor a failed third-party business automatically establishes an Idealx breach. Recovery for any breach remains governed by the applicable law and the actual contract; this is not a blanket exclusion of foreseeable loss caused by Idealx.

12.6 To the extent an event outside its reasonable control prevents performance despite reasonable precautions and mitigation, a provider is excused from the affected performance for the necessary period, subject to mandatory law and any express service commitment. It must respond reasonably, resume when practicable and communicate material effects where lawful. This does not excuse lack of funds, ordinary cost increases, inadequate required controls or failures caused or contributed to by that provider. It does not cancel obligations to account for, safeguard or return client property, pay accrued sums or honour an activated guarantee. Unaffected services and orderly exit continue where practicable.

13. Termination and exit #

13.1 The Client may request closure at any time, subject to settlement, lawful holds and expressly agreed product maturities or active recall provisions. Idealx may terminate on 30 days' notice for ordinary commercial reasons, or sooner where reasonably necessary for a ground in clause 11 or an unremedied material breach.

13.2 Idealx will give a reasonable opportunity to remedy a remediable breach where circumstances permit. For assets within its contracted custody or control, it will coordinate transfer or return and provide statements and necessary records, subject to lawful retention obligations. For directly registered third-party fund units, it will support the agreed instruction or access handover; it does not promise liquidation, redemption or delivery of assets outside its control.

13.3 Closure does not automatically authorise liquidation. Sale or conversion requires a specific existing authority or legal basis, fair execution and an explanation of costs and consequences. Undisputed accrued fees and binding transactions remain payable; no penalty arises merely for rejecting a material contractual change.

13.4 Accrued rights, confidentiality, records, complaints, asset-return duties and guarantees supporting outstanding obligations survive termination to the extent necessary.

14. Changes and notices #

14.1 Idealx may update terms for changes in law, services, providers, security or reasonably necessary risk controls. Material adverse changes normally require at least 30 days' advance notice and a reasonable opportunity to exit without a change-related penalty. A longer period or express consent will apply where required.

14.2 A shorter period may apply where reasonably necessary to comply with law or address urgent security or material operational risk; notice will explain the change as soon as practicable. This does not permit retrospective charges or impairment of accrued rights.

14.3 New asset-reuse rights, materially broader delegated powers, or a change from custody ownership to a repayment claim cannot be introduced merely through an updated policy or deemed acceptance. They require a separately permissible arrangement and express agreement.

14.4 Notices are delivered to verified electronic contacts or the authenticated portal with an alert where appropriate. Material notices must be reasonably accessible and downloadable. Idealx will use an alternative channel if it knows electronic delivery has failed. Contractual notices to Platform may be sent to notices@idealx.com; general support requests may be sent to support@idealx.com. Idealx Digital Assets Pty Ltd and Idealx Securities Limited also use support@idealx.com for customer support and notices@idealx.com for contractual notices. Communications should identify the relevant provider and account. These shared contacts do not merge the entities' obligations or designate an address for any other provider. Legal service requirements are unaffected.

14.5 Technical operating procedures may be updated within the accepted service scope; they cannot create new fees, asset-use powers, liability exclusions or material risk changes. Those changes follow the applicable agreement and consent process rather than an unilaterally editable policy link.

15. Complaints governing law and continuity #

15.1 Complaints concerning Platform, Idealx Digital Assets Pty Ltd or Idealx Securities Limited may be sent to complains@idealx.com. The complaint should identify the relevant provider and account; the shared intake will route it to the responsible entity. Idealx will acknowledge, investigate and respond within applicable requirements. Idealx Securities Limited's Australian Financial Complaints Authority (AFCA) membership number is 91298. Eligible complaints may be referred to AFCA subject to its rules and jurisdiction. The Complaints Policy explains contact details, response times and complaints about Platform acting as Securities’ representative. Idealx Digital Assets does not currently hold a separate AFCA membership. Securities' membership does not automatically cover Digital Assets services merely because the entities share branding or contact addresses. Any external complaint rights depend on the actual service, responsible provider and applicable rules; mandatory rights are not excluded.

15.2 This agreement is governed by the laws of Victoria and applicable Commonwealth laws of Australia. Each party submits to the non-exclusive jurisdiction of the courts of Victoria and courts entitled to hear appeals from them. Either party may bring proceedings in another court of competent jurisdiction where permitted by law, including to seek urgent relief or enforce a judgment. This clause does not exclude mandatory forums, applicable AFCA access or non-excludable overseas protections.

15.3 Invalid provisions are severed where possible without rewriting the agreement's essential bargain. This clause does not cure an unfair or prohibited term or authorise a regulated activity.

15.4 Idealx may assign an ordinary commercial receivable where lawful without increasing the Client's debt or removing defences. That does not transfer a Client's assets or novate a regulated service contract. Transfer of service obligations to another entity requires any necessary consent, authority and disclosure; common branding or a corporate restructure is not a substitute. A corporate name change alone does not change the entity’s identity.

15.5 A lawful change in Platform's shareholders does not by itself replace Platform as the contracting company or require re-acceptance of unchanged terms. It does not transfer Client assets to the shareholders or buyer. Required regulatory approvals, disclosures, contractual change-of-control requirements and privacy obligations still apply. An asset/business sale involving a different contracting entity remains subject to clause 15.4 and cannot silently transfer regulated obligations, Client mandates or personal information without the required lawful basis.

16. Direct debit and payment authorities #

16.1 Linking an external bank account for direct debit requires a separate Direct Debit Request and Direct Debit Request Service Agreement identifying the actual Debit User, account and authorised debit basis. Accepting this agreement alone does not authorise debits to an unidentified external account.

16.2 The current provider and any terms applying directly to the Client are identified in the Payment Provider Notice and service selection record. A change of provider follows clauses 8 and 14 and the applicable payment-scheme migration requirements. Idealx branding does not replace the actual legal provider or create a direct bank deposit.

17 Existing Client transition #

For a migrating Client, the accepted transition record identifies the existing contracting entity, each continuing or replacement service entity, effective date, affected terms and retained account identifiers. New terms take effect only after legally effective acceptance and any required provider consent or transfer process. Where Platform is the same legal entity under a new name or brand, the change is recorded as continuity, not a new transfer of Client property.

This acceptance does not release accrued claims, complaints, repayment rights or liabilities under earlier terms. A change of legal debtor or contracting entity requires its own lawful novation or transfer, with necessary parties and consent; a name or logo change cannot achieve it. An account identifier remaining the same does not prove that the legal holding structure is unchanged.

A Client who declines may use the supported statement, withdrawal and closure route under existing lawful rights. Platform waives its fee for the final domestic AUD withdrawal on that closure. No new placement or asset-use restriction applies without valid acceptance. Unclaimed balances, legal holds and already binding obligations are handled under applicable law; silence does not authorise confiscation or automatic asset sale.