AnkorPay Terms of Use

Last Updated: October 7, 2025

These Terms and Conditions (“Terms”) govern the use of AnkorPay’s cards and transfer/payments services. By registering for or using the AnkorPay platform and card services, you (“Client”) agree to these Terms, forming a binding agreement between you and AnkorPay (referred to as “we,” “us,” or “our”). 

AnkorPay is an Australian-based service provider facilitating yacht financial management and Visa debit card issuance for vessel operations and charters. AnkorPay’s services are offered only to business clients, not to consumers; by using our services, you confirm that you are a corporate or business user and will use the service solely for legitimate business (vessel operations and charter) transactions, not for personal use. AnkorPay’s cards and accounts are provided in partnership with Airwallex (our issuing and payments partner). You must agree to their terms and disclosures as part of onboarding. 

Please read these Terms carefully before using AnkorPay. If you do not agree with any part of these Terms (or our Issuer’s terms), do not use the services.

Regulated Payment Services – You acknowledge and agree that the regulated payment and card services available through the AnkorPay platform (including the Wallet, Global Account, Vessel Account, currency exchange, transfers and the issuance of Cards) are provided by the Issuer and/or its affiliated financial institutions. AnkorPay acts solely as the program manager of the platform and we do not hold a financial services license, nor are we providing payment services regulated under financial services legislation. Accordingly, all regulated payment services are provided by the Issuer, and your use of those services is subject to the Issuer’s terms, product disclosure statement, cardholder terms and any other Issuer terms referenced in these Terms. You must accept and comply with the Issuer’s terms as a condition of using AnkorPay.

1. Definitions

“Administrator” – the Client’s designated representatives who manages the Organization’s AnkorPay account. The Administrator can set up Vessel Accounts, invite/manage users, create Cardholders, issue Cards, manage and freeze cards, and configure spend limits and controls for Cards and transfers.

“APA Funds” – the Advance Provisioning Allowance funds provided for a yacht charter, which the Client receives (typically from the charter guest) and manages via the AnkorPay platform and cards for charter-related expenses.

“Authorized User” – an individual authorized by the Client to access and use the AnkorPay platform on the Client’s behalf. The Client is responsible for all actions of Authorized Users.

“Business Day” – Monday to Friday, excluding public/bank holidays, in the relevant jurisdiction for processing.

“Card” or “AnkorPay Card” – a Visa debit card (physical or virtual) issued to the Client or its Cardholders under these Terms. The Card links to the Vessel Account and allows spending of Vessel Account funds. All Cards remain property of the Issuer at all times and must be returned or destroyed if requested.

“Cardholder” – any Authorized User who has been issued an AnkorPay Card by the Client or Administrator through the platform (for example, a crew member or vessel employee). A Cardholder is permitted to use the Card in accordance with these Terms and on behalf of the Client. 

“Entity” – the legal owner of a vessel, being the company or corporate body that owns the yacht and is onboarded and verified through AnkorPay. Each Entity may have one or more Vessel Accounts associated with it, through which APA funds, expenses, and Cards are managed. The Client remains responsible for ensuring each Entity under its Organization complies with these Terms.

“Global Account” – the collection account provided by the Issuer and displayed within AnkorPay, enabling the vessel to receive incoming transfers in multiple currencies.

“Issuer” – Airwallex and/or its affiliated financial institution that is the licensed issuer of the AnkorPay Visa Cards and the provider of the underlying e-money account.

“KYC Information” – Complete, accurate and up‑to‑date information about your organization, directors, ultimate beneficial owners, and any Cardholders or Authorized Users.

“Online System” or “Platform” – AnkorPay’s web application and mobile application used to access the Wallet, Card and transfer services, submit expenses, upload receipts, approvals, reporting and reconciliation.

“Security Details” – credentials, PINs, passwords, or multi-factor authentication (MFA) codes used to access or authorize the Platform or Card transactions.

“Vessel Account” – a multi-currency facility in the AnkorPay platform for a particular vessel, with its own Wallet and transaction history. It can receive incoming transfers via Global Accounts, send outgoing transfers, conduct currency conversions, issue Visa Debit Cards to Cardholders, and manage APA funds specific to that vessel.

“Wallet” – the multi-currency display within your Vessel Account, allowing you to hold, manage, and convert funds in multiple currencies on the platform. The Wallet is safeguarded by our Issuer and is not a bank account but a stored-value facility holding funds in various currencies.

2. Scope of Service and Eligibility

2.1 Eligible Clients: AnkorPay’s services are offered only to corporate or business clients, such as management companies, Central Agencies, or vessel operators, not to individual consumers. The Client will use the AnkorPay cards and payments service exclusively for business-related spend.

2.2. No Financial Advice: AnkorPay does not provide financial, investment or tax advice. Any decision to convert currency, make a transfer, hold funds in a particular currency or undertake any other transaction through the AnkorPay platform is made at your sole discretion and risk. You are responsible for assessing whether a transaction is appropriate for your circumstances and for obtaining independent advice where necessary. We will not be liable for any loss, cost or damage arising from your decisions or from market fluctuations.

2.3 Service Regions: AnkorPay provides services to Clients across multiple regions including Europe, UK, USA, Canada, Caribbean, Middle East, Asia-Pacific, Australia and New Zealand. The Client is responsible for complying with local laws when using the Card in any jurisdiction.

2.4 Representations and Warranties: You warrant that:

  1. a) You have the power and authority to enter into this Agreement on behalf of the Client;

  1. b) All information you provide us is complete, accurate and not misleading;

  2. c) You have legal title or legal authority of the funds deposited and the right to use them on the AnkorPay platform;

  3. d) You will comply with all applicable laws and regulations when using the services;

  4. e) Neither you nor your owners, directors or Authorized Users are subject to sanctions or export controls; and

  5. f) You will promptly provide any additional information we reasonably request.

2.5 Responsibility for Authorized Users: You may appoint individuals (such as an Administrator or Cardholder) to act on your behalf, and you confirm that each Authorized User is duly authorized to give binding instructions regarding your Organization, Vessel Accounts, Wallets, Transfers or Cards. You are fully responsible for all actions, omissions, and transactions made by your Authorized Users, and AnkorPay and the Issuer may rely on their instructions without further verification. You must ensure all Authorized Users comply with these Terms and promptly revoke access for anyone who should no longer have authority; you will indemnify us and the Issuer for any losses arising from their acts or omissions.

3. Vessel Account Opening and KYC Requirements

3.1 Vessel Account Opening: The Client must provide necessary KYC and onboarding information (including vessel-owning Entity details, directors, ultimate beneficial owners, and identification) when opening a Vessel Account. Details of each vessel, such as name, flag, IMO number, or registration certificate, may be required to verify ownership. When the Client is acting on behalf of the vessel owner, AnkorPay may require evidence (such as a letter of authority signed by the vessel owner or its authorized representative, or current Central Agency agreement or Yacht Management agreement) to demonstrate the Client’s authority to open and operate the Vessel Account.

3.2 Ongoing KYC Information: You agree to promptly update your KYC Information whenever it changes and to provide any additional information requested by us within two (2) Business Days. If you fail to provide accurate or timely information, or if we suspect that your information is incomplete or incorrect, we may refuse to open an account, suspend or terminate services and you will be responsible for any resulting losses.

 3.3 Requests for Additional Information: We may request additional information (“Request for Information” or “RFI”) at any time to verify the identity of the Client, Organization, yacht-owning Entity, Vessel, or Cardholder, to comply with applicable regulations. 

3.4 Issuer’s Business Account & Terms: The account is facilitated through an Airwallex business account; the Client must accept Airwallex’s terms. Funds are safeguarded but are not bank deposits and do not earn interest.

4. Multi-Currency Wallet and Funding Your Vessel Account

4.1 Multi-Currency Global Account: Global Accounts can be created in multiple currencies, for receiving funds into a vessel’s Wallet. Funds received via your Global Accounts are automatically consolidated into your Wallet, not held in the Global Account itself.

4.2 Funding Methods: Funds can be deposited via supported electronic methods depending on the country and currency the Global Account is account is held in. 

4.3 Currency Exchange (FX): AnkorPay facilitates currency exchange between supported Wallet currencies at real-time quoted rates provided through our Issuer. FX conversions are executed immediately once confirmed and are generally non-reversible. Exchange rates may fluctuate, and applicable conversion fees will be disclosed prior to confirmation; by proceeding, the Client accepts the quoted rate and associated costs as binding.

4.4 No Cash or Cheque Deposits: Only electronic funding methods are supported.

4.5 Funds Usage: Funds should be used only for legitimate vessel charter (APA) and operation expenses and not for any personal or co-mingled use.

4.6 No Interest or Set-Off: Funds held in your Wallet or Vessel Accounts do not earn interest or any other return. Balances may not be used as collateral or security for any obligation, nor may they be set off or netted against any liability owed to you by AnkorPay, the Issuer, or any third party. All funds remain safeguarded in accordance with applicable regulations but are not covered by any government deposit protection.

5. Card Issuance and Ownership

5.1 Card Issuance and Activation: Physical and virtual Visa debit cards can be issued to Cardholders. Physical cards require activation and PIN use.

5.2 Card Ownership and Non-Transferability: Cards remain the property of the Issuer and must be destroyed upon request or when the Vessel Account is closed. Cards are issued to the designated Cardholder and may not be transferred or shared. AnkorPay and the Issuer may suspend or revoke any Card immediately if misuse, unauthorised sharing, or security risks are detected, and the Client remains responsible for any transactions or losses arising from unauthorised use. 

5.3 Card Usage: Virtual cards can be used for card-not-present (CNP) transactions and in-person via the Apple and Android mobile wallet. Physical cards can be used for in-person transactions.

5.4 Card Delivery: Physical cards are mailed to the specified company address; lost-in-transit cards will be canceled and reissued. 

5.5 Lost, Stolen or Damaged Card Replacement: If a physical card is lost, stolen, damaged, or compromised, the Cardholder must immediately freeze the card and request a replacement card be issued. the Client acknowledges that a replacement fee may be charged to cover reissue and postage, as set out in the Fee Schedule. We are not responsible for any losses incurred prior to the time you notify us, except to the extent required by law.

6. Using the Wallet, Card and Transfer facility

6.1 Permitted Use: Cards may be used worldwide where Visa is accepted for bona fide yacht charter and operating. 

6.2 Spend Controls and Limits: Program default limits and Administrator-configured controls apply. Card limits can be configured for each Card in the platform.

6.3 Payments and Transfers: Authorized Users may initiate outbound transfers and payments from a vessel’s Wallet, subject to applicable limits and permissions. The Client is solely responsible for ensuring the accuracy and completeness of beneficiary details and payment instructions provided through the platform. Once a transfer has been confirmed, it will be processed based on the information supplied, and neither AnkorPay nor the Issuer shall be liable for loss or delay resulting from incorrect or incomplete payment details or third-party processing failures.

6.4 Online System Access: The Client and Authorized Users must access and use the AnkorPay Online Systems in accordance with these Terms and our security protocols. You must ensure that all login credentials, authentication codes, and devices used to access the platform are kept secure, up to date, and protected from unauthorised access or malware. The Client remains fully responsible for all activity conducted under its or its Authorized Users’ credentials until access is revoked or reported as compromised.

6.5 Transaction History: Your transaction history is available in the platform. We advise you review it regularly to ensure no unauthorized or incorrect transactions.

7. Prohibited Uses and Compliance

7.1 Unlawful Use, Sanctions and Export Restrictions: AnkorPay Cards, Wallets, and Transfer services must not be used for any unlawful, fraudulent, or prohibited transactions, or in violation of applicable sanctions, export control laws, or trade restrictions. 

7.2 Restricted Transaction Types: Certain transaction categories (e.g., high-risk or suspicious) may be blocked in accordance with the policies of the Issuer.

7.3 No Personal Use: Only business-related expenditure is permitted.

7.4 Compliance with Visa Scheme Rules: By using AnkorPay Cards, the Client and Authorized Users agree to comply with all applicable Visa network rules. You must use the Cards in accordance with lawful and permitted merchant categories and cooperate in good faith with any dispute or chargeback investigations. The Client must take reasonable steps to prevent excessive or unjustified disputes or chargebacks, and repeated non-compliance may result in Card cancellation.

7.5 Notification of Changes: You must update us on any material business changes impacting compliance and Acceptable Use of AnkorPay’s services.

7.6 Compliance with Laws: You must comply at all times with our Terms and with any terms of the Issuer, as amended from time to time. Any transactions that would violate anti-bribery, anti-corruption, anti-money laundering, or counter-terrorist financing laws is a breach of our Terms and may result in immediate termination of your account.

8. Fees and Charges

8.1 Fee Schedule: Fees are set out in the Fee Schedule. Fees may be deducted from Wallet balances. We may change fees from time to time which will be updated in the Fee Schedule. 

8.2 Currency Conversion Rates: FX conversion rates may apply on foreign currency Card transactions and Transfers. Full transparency and disclosures on exchange rates are provided in the Fee Schedule.

8.3 Taxes: Taxes on fees will be added where applicable; however the Client is responsible for payment of other taxes.

8.4 Authority to Debit and Set‑Off: By using the services, you authorize us and the Issuer to deduct from your Wallet or Vessel Account amounts owed to us or the Issuer. These may include:

  1. Fees – such as physical card replacement fees, card loading fees, or any other fees set out in the Fee Schedule;

  2. Negative balances and adjustments – any negative balance on your account, and chargebacks, reversals, refunds and failed payments related to your transactions;

  3. Fines or governmental charges – any penalties, duties, taxes or other amounts imposed by card schemes or regulatory authorities as a result of your use of the services.

We may set-off any amounts you owe to us against any amounts we owe to you, including converting currencies at prevailing rates for the purpose of set‑off. If your balance is insufficient to cover amounts owed, you must promptly fund your Wallet. Our right to debit or set-off amounts continues after termination of your account.

9. Authorized User and Cardholder Responsibilities

9.1 Security: The Client must ensure that all Authorized Users protect their Security Details, use secure devices, and maintain up-to-date security software. You agree to keep Cards, PINs, and Security Details secure; never share credentials; use MFA; and follow our security guidance. 

9.2 Lost/Stolen/Unauthorized Use: If a Card is lost, stolen, compromised, or used without authorization, the Cardholder or Client must immediately freeze or block the Card via the AnkorPay platform or mobile app and notify AnkorPay customer support without delay. Prompt notification helps minimise loss and liability, and failure to act immediately may result in the Client being held responsible for any unauthorized transactions.

9.3 Cardholders: The Client is fully responsible for the actions, omissions, and use of Cards by all Cardholders issued under its Organization or Vessel. The Client must ensure that each Cardholder uses their Card in accordance with these Terms and must promptly revoke or suspend access when a Cardholder no longer requires authorization (for example, when crew or staff leave the vessel). The Client remains liable for all transactions made by its Cardholders until such access is formally revoked through the platform or by written notice to customer support.

9.4 Notification of Unauthorized System Access or Usage: The Client must promptly notify us if any Security Details or devices used to access the platform are lost, compromised, or suspected to be misused. The Client remains responsible for any actions or transactions carried out before such notification and must cooperate fully with us in investigating and remediating any security incident.

9.5 Notification of Unauthorized or Incorrect Transactions: If you become aware of or suspect any unauthorized transaction, incorrect transaction or other security concern affecting your Card or account, you must immediately freeze the Card and/or suspend the Cardholder and notify our customer support. If you do not notify us within ninety (90) calendar days of the date of the unauthorized or incorrect transaction, you agree that neither we nor the Issuer will have any liability in respect of that transaction. If we or the Issuer provide you with a refund for an unauthorized or incorrect transaction but later determine that you or your Authorized Users breached your obligations under these Terms, you agree to reimburse us for the refunded amount.

9.6 Liability for Unauthorized Transactions: The Client is liable for all actions and transactions carried out using its or its Authorized Users’ credentials, whether or not such use was authorized by the Client. We will always assist in good faith to help recover unauthorized transactions, however neither AnkorPay nor the Issuer bear any liability for unauthorized transactions.

9.7 Our Liability and Disclaimers: We are not liable for indirect or consequential loss, merchant refusal, or network failures, except where liability cannot be excluded by law.

9.8 Insurance: We do not provide any insurance to you, and recommend that you consider obtaining your own.

10. Suspension, Termination, and Cancellation

10.1 Client’s Right to Terminate: You may close your account at any time. Upon closure, you must ensure that all outstanding transactions are settled and that any physical Cards are securely destroyed or returned as instructed.

10.2 Our Right to Terminate or Suspend: We or the Issuer may suspend your access, or terminate this Agreement immediately, with or without notice, if:

  1. we reasonably believe that the Client or any Authorized Users have breached these Terms, the Issuer’s terms, or any applicable law;

  2. the Client fail to provide requested KYC Information or other documentation in a timely manner, or we reasonably believe any information provided is false, incomplete or misleading;

  3. the Client or any Authorized Users engage in, or we suspect fraudulent, unauthorized, or criminal activity, or we believe providing services to you presents an unacceptable risk of financial crime;

  4. we or the Issuer are required to do so to comply with any law, regulation, or court order; 

  5. the Client, any Authorized User, vessel or vessel-owning Entity becomes subject to sanctions, export controls or is identified as a restricted person;

  6. you fail to pay or repay any amounts owed to us or the Issuer when due;

  7. you become insolvent or are subject to any form of administration, liquidation or analogous process;

  8. your Vessel Account or Wallet is inactive for twelve (12) months;

  9. any technical, security or operational reasons require suspension or termination. 

Where practicable, we will give notice of suspension or termination and the reasons for it either before or promptly after it takes effect. We will use reasonable efforts to reinstate services once the cause of suspension has been resolved.

10.3 Effect of Termination: Upon termination you must immediately stop using the services, destroy any physical Cards and cease using virtual Cards. All outstanding fees, charges, refunds, chargebacks, reversals and other obligations incurred prior to termination will become immediately due and payable. We and the Issuer may deduct any such amounts from your Wallet or Vessel Account. After all pending transactions have settled and all obligations have been satisfied, any remaining balance will be returned to a verified bank account in your name, subject to our legal and regulatory obligations. Termination of your AnkorPay account will automatically terminate your Airwallex account and any regulated services provided by the Issuer, and you will no longer have access to transaction history or data in the platform. 

10.4 Survival: Terms that by nature should survive termination will remain in effect.

11. Support, Data and Your Privacy

11.1 Customer Support: Our Customer Support team can be contacted via email (ankorpay-support@ankor.io) or on the phone numbers listed on our Contact Us page. For emergency card or transaction issues, contact us on XXX-XXX-XXX

11.2 Authorized Contacts: We will communicate and accept instructions from the Account Owner and Administrators in relation to the Organization, Vessel Accounts, or Wallets, and from Cardholders only in relation to their individual Cards or transactions. The Client must ensure that Authorized Persons details are kept accurate and up to date within the platform. We may request written authorization before acting on instructions where there is doubt as to authority or identity.

11.3 Data Collection and Use: You consent to the collection, use, storage, disclosure, and processing of personal and transaction data by AnkorPay and the Issuer for the purposes of providing the services, managing accounts, onboarding, monitoring activity, complying with legal obligations, preventing fraud, and improving products. We may share such data with the Issuer, service providers, and regulatory authorities in relevant jurisdictions, and you confirm that you have obtained all necessary consents from any individuals whose data you provide (including directors, beneficial owners, employees, or crew).

11.4 Third-Party Integrations: AnkorPay may connect to third-party systems, platforms, or services (including accounting, reporting, or compliance tools) necessary to deliver or enhance our services. You authorize us to share relevant account, transaction, and user data with these third-party systems strictly for the purpose of enabling those integrations and only in accordance with your permissions and applicable privacy laws. Data sharing with any optional third-party service will occur only with your explicit consent.

11.5 Privacy: Our Privacy Policy sets out how we use and manage your data. Data may be shared with the Issuer and other partners necessary to provide the AnkorPay service as set out in 10.3.

11.6 Intellectual Property: All intellectual property rights in the AnkorPay platform, apps, and related materials are the property of AnkorPay and its partners. The Client and Authorized Users are granted a limited, non-transferable license in accordance with these Terms. You may not copy, modify, reverse engineer, or otherwise use AnkorPay’s intellectual property.

11.7 Assignment: You cannot assign or transfer any rights or obligations under these Terms without AnkorPay’s written consent. AnkorPay may assign or transfer its rights and obligations under these Terms to an affiliate or successor entity by providing reasonable notice to the Client.

11.8 Representations: The Client, Authorized Users and Cardholders reaffirm eligibility and compliance each time you use the service.

11.9 Insolvency: The Client must promptly notify us in writing if it becomes insolvent, enters administration, liquidation, receivership, or any analogous process, or if it is unable to pay its debts. Upon becoming aware of such circumstances, AnkorPay may suspend or restrict access to the Client’s account, Vessel Accounts, or Cards, and may take steps to safeguard funds and comply with regulatory obligations.

11.10 Updates and Maintenance: We and the Issuer may make updates and changes to the platform and services. You agree to implement or install any required updates promptly upon notice. 

12. Indemnity, Liability and Additional Legal Terms

12.1 Indemnity: You agree to indemnify and hold harmless AnkorPay, the Issuer and each of our respective affiliates, directors, officers, employees, agents and representatives (collectively, “Indemnified Parties”) from and against any and all losses, liabilities, damages, fines, penalties, costs and expenses (including reasonable legal fees) arising out of or related to any of the following:

  1. Use of services – your or your Authorized Users’ use of the platform, Wallet, Cards or services;

  2. Breaches – any breach of these Terms, the Issuer’s terms or any applicable law (including sanctions, export control, anti-money-laundering, anti-bribery and data protection laws);

  3. Misrepresentations – any inaccurate, incomplete, fraudulent or misleading information provided by you or on your behalf;

  4. Authorized instructions – any instruction we or the Issuer receive that reasonably appears to be authorized by you our your Authorized Users;

  5. Chargebacks and reversals – any chargeback, refund, reversal, negative balance or failed payment relating to your transactions;

  6. Acts or omissions of others – the acts or omissions of your Authorized Users, Cardholders or any other person acting on your behalf;

  7. Third-party claims – any claim by a third party (including a charter guest or vendor) arising from your use of the service; and

  8. Security breaches – any security breach of your system or devices used to access the platform.

This indemnity is continuing and survives termination of your account.

12.2 Limitation of Liability: Nothing in these Terms excludes or limits liability that cannot be excluded or limited by law, including liability for death or personal injury caused by negligence or fraud. To the fullest extent permitted by law, AnkorPay, its affiliates, and partners (the “Indemnified Parties”) shall not be liable for any indirect, incidental, punitive, special, or consequential loss or damage, including loss of profits, business, goodwill, data, or opportunity, whether arising in contract, tort, or otherwise. The total aggregate liability of the Indemnified Parties for any direct loss arising in any calendar year shall not exceed the total amount of fees paid by the Client for the relevant services during that year. We are not liable for delays, errors, or failures caused by third-party banks, payment networks, or other financial intermediaries, or for execution errors resulting from incomplete or inaccurate Client instructions.

12.3 Entire Agreement: These Terms (and schedules) constitute the entire agreement between you and AnkorPay. In the event of any conflict between these Terms and any terms imposed by our Issuer, the relevant Issuer terms will prevail only to the extent they apply to their specific services.

12.4 No Third-Party Rights: These Terms are made solely between you and AnkorPay, and no other person or entity shall have any rights to enforce or rely upon them. The only exception applies to the Issuer, which may enforce provisions of these Terms to the extent they relate to their respective services or obligations.

12.5 Changes to Terms: We may amend these Terms by giving you at least thirty (30) days’ notice. If we reasonably believe that a change benefits you or is required by law or a regulator, we may implement the change immediately and notify you after it has taken effect. Your continued use of the services after the effective date of any change constitutes your acceptance of the revised Terms. The current version of these Terms is always available on our website. 

12.6 Dispute Resolution and Complaints: The Client must first attempt to resolve any complaints or disputes by contacting AnkorPay customer support, where we will review and respond in accordance with our complaints handling process. We will cooperate in good faith to resolve disputes promptly, fairly, and transparently.

12.7 Relationship: Nothing in these Terms shall be interpreted as creating any partnership, fiduciary or agency relationship between you and us. 

12.8 Severability: If any provision of these Terms is found to be invalid, unlawful, or unenforceable, it shall be interpreted to the minimum extent necessary to make it enforceable. All remaining provisions shall continue in effect.

12.9 No Waiver: Any failure or delay by AnkorPay to enforce a right or provision under these Terms shall not constitute a waiver of that right or provision.

12.10 Force Majeure: We will not be liable for any failure or delay in performing our obligations resulting from any event beyond our reasonable control, such as acts of God, natural disasters, terrorism, war, labor disputes, regulatory actions, failure of telecommunications or internet services, failures of payment networks or card schemes, or other events outside our control. Your obligation to pay any fees or amounts owed under these Terms will not be affected by a force‑majeure event.

12.11 Audit and Regulator Access: You acknowledge and agree that, where required by law or where requested by a regulator, your use of the services and any related data may be subject to review or audit. You agree cooperate with us as reasonably necessary to demonstrate compliance with these Terms and applicable law.

12.12 Governing Law: New South Wales, Australia.

13. Linked Airwallex Terms

AnkorPay services are provided in partnership with Airwallex. By using AnkorPay, you also agree to the Airwallex Terms and Conditions.

Acknowledgment: By using AnkorPay’s services, you acknowledge you have read, understood, and agree to these Terms and any documents incorporated by reference.