Last Updated: January 22, 2026
These Terms and Conditions ("Terms") govern your access to and use of the digital identity verification platform and related technologies provided by apgfspl.it.com ("apgfspl," "we," "us," or "our"). By accessing or using our platform, you agree to be bound by these Terms.
By accessing, browsing, or using our platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use our platform.
We reserve the right to modify these Terms at any time. We will notify you of material changes by posting updated Terms on our website and updating the "Last Updated" date. Your continued use of the platform after such modifications constitutes acceptance of the updated Terms.
Certain features of our platform may be subject to additional terms and conditions, which will be presented to you at the time of use.
You must be at least 18 years of age to use our platform. By using our platform, you represent and warrant that you meet this age requirement.
If you create an account with us, you agree to:
We reserve the right to suspend or terminate your account if we believe you have violated these Terms or engaged in fraudulent or illegal activities.
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our platform for its intended purpose of identity verification.
You agree not to:
When using our identity verification technology:
All content, features, and functionality of our platform, including but not limited to text, graphics, logos, icons, images, audio clips, data compilations, software, and algorithms, are the exclusive property of apgfspl or our licensors and are protected by copyright, trademark, patent, and other intellectual property laws.
The apgfspl name, logo, and all related names, logos, product and technology names, designs, and slogans are trademarks of apgfspl. You may not use such marks without our prior written permission.
You retain all rights to your personal data. By using our platform, you grant us a limited license to process your data as described in our Privacy Policy and as necessary to provide our verification technology.
We process personal data in accordance with our Privacy Policy and applicable data protection laws, including GDPR and PSD2. By using our platform, you consent to such processing.
While we implement robust security measures to protect your data, you acknowledge that no method of electronic transmission or storage is completely secure. You use our platform at your own risk.
We retain your data as described in our Privacy Policy and as required by applicable regulations governing financial technology and identity verification.
Our platform may integrate with or contain links to third-party websites, platforms, or technology. We are not responsible for the content, accuracy, or practices of these third parties.
Our verification technology is provided to financial institutions and other organizations. The relationship between you and these client organizations is governed by their respective terms and policies, not by these Terms.
THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR UNINTERRUPTED ACCESS.
While we strive for high accuracy in our verification technology, we do not guarantee that our platform will be error-free or that verification results will be 100% accurate. Verification results should be considered as part of a comprehensive risk assessment.
Our platform provides identity verification technology and does not constitute legal, financial, or professional advice. You should consult appropriate professionals for specific advice.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, APGFSPL SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE PLATFORM.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES EXCEED THE AMOUNT PAID BY YOU TO APGFSPL IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.
Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for consequential damages. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law.
You agree to indemnify, defend, and hold harmless apgfspl, its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:
Our platform is designed to assist financial institutions in meeting their Know Your Customer (KYC) and Anti-Money Laundering (AML) obligations. You agree to cooperate with verification processes required for regulatory compliance.
We comply with the General Data Protection Regulation (GDPR) and other applicable data protection laws. Your rights under these regulations are described in our Privacy Policy.
For payment-related verification, our platform complies with Payment Services Directive 2 (PSD2) requirements for strong customer authentication.
These Terms shall be governed by and construed in accordance with the laws of New South Wales, Australia, without regard to its conflict of law provisions.
Any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the courts located in Sydney, New South Wales, Australia, and you consent to the personal jurisdiction of such courts.
For disputes not exceeding $10,000 AUD, the parties agree to attempt resolution through binding arbitration in accordance with the rules of the Australian Centre for International Commercial Arbitration (ACICA).
You agree to bring claims against us only in your individual capacity and not as a plaintiff or class member in any class or representative action.
You may terminate your use of the platform at any time by ceasing to access it and, if applicable, closing your account.
We reserve the right to suspend or terminate your access to the platform at any time, with or without notice, for any reason, including if we believe you have violated these Terms.
Upon termination:
These Terms, together with our Privacy Policy and any additional terms applicable to specific features, constitute the entire agreement between you and apgfspl regarding the platform.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.
Our platform and technology may be subject to export control laws. You agree to comply with all applicable export and import control laws and regulations.
If you have questions about these Terms, please contact us:
apgfspl.it.com
Unit 2 103 Erindale Road, Balcatta, WA, 6021
Australia
Email: [email protected]
Phone: +61 862 431 172
BY USING OUR PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT USE OUR PLATFORM.