Pay It Now AUS PTY LTD
ACN: 662 643 496
Level 40, 140 William Street, Melbourne, VIC 3000
AFSL: TBA
Website: https://payitnow.io

1. About this Financial Services Guide (FSG)

This FSG is designed to help you understand the financial services offered by Pay It Now AUS PTY LTD (referred to as "Pay It Now", "we", "our", or "us"). It provides you with information to help you decide whether to use our services.

This document includes:

•            Who we are

•            The services we are authorized to provide

•            How we are paid

•            How we handle complaints

•            Our privacy and compensation arrangements

2. Who We Are

Pay It Now AUS PTY LTD is an Australian company operating under an Australian Financial Services Licence (AFSL) [TBA], issued by the Australian Securities and Investments Commission (ASIC).

We provide access to non-cash payment services through digital and blockchain technologies. Our platform includes crypto wallets, merchant tools, and payment solutions for both individuals and businesses.

3. The Services We Offer

We are authorized to provide the following financial services:

•            Non-cash payment services: including but not limited to blockchain-based transactions, digital wallet functionalities, and merchant settlement tools.

We do not provide personal financial advice. Any information provided is general in nature and does not consider your personal objectives, financial situation, or needs.

For more details about our services, visit: https://payitnow.io

4. How You Can Contact Us

Address: Level 40, 140 William Street, Melbourne, VIC 3000
Email: [email protected]
Website: https://payitnow.io
Support Hours: [Insert business hours]

5. How We Are Paid

Pay It Now earns revenue primarily through:

•            Exchange spread fees: The difference between the buy and sell rate applied to digital currency transactions.

Our representatives do not receive commissions but may receive salaries or bonuses.

6. Relationships and Conflicts of Interest

We have no associations or relationships with any product issuers or other service providers that could influence the financial services we provide. There are currently no known conflicts of interest.

7. Privacy and Your Information

We are committed to protecting your privacy. We handle your personal information in accordance with the Privacy Act 1988 (Cth) and our privacy policy.

You can access our full privacy policy at: https://payitnow.io/privacy

8. Complaints and Dispute Resolution

We are committed to resolving complaints quickly and fairly.

Step 1: Contact Us
You can raise a complaint by contacting our support team via email or phone.

Step 2: Internal Review
If your issue is not resolved, it will be escalated internally to our compliance manager.

Step 3: External Resolution
If you are not satisfied with our response, you may lodge a complaint with:

Australian Financial Complaints Authority (AFCA)
Website: https://www.afca.org.au
Phone: 1800 931 678

9. Compensation Arrangements

We maintain adequate professional indemnity insurance as required under s912B of the Corporations Act 2001 (Cth). This includes coverage for the conduct of our representatives.

10. Other Important Information

•            We do not provide personal financial advice.

•            Digital and blockchain-based assets carry inherent risks, including price volatility and technological changes.

•            We may provide Product Disclosure Statements (PDS) or additional disclosures for particular services, where applicable.

You should carefully consider whether our services are appropriate for your situation before using them.