Terms of Service

About Fintech Pacific

Fintech Pacific is a Fiji-based financial technology company focused on developing and providing digital payment and financial technology solutions across the Pacific.

Our products, platforms and services may include digital wallets, payment acceptance solutions, QR payments, card-related services, merchant solutions, money transfer and remittance services, travel payment solutions and other financial technology services.

Our brands and products may include DUA, DUAPAY, TravelMate and other products or services introduced by Fintech Pacific from time to time.

The availability of any particular product or service may depend on regulatory approvals, licensing requirements, agreements with banks, payment networks, financial institutions and other service providers.

Information appearing on the Website does not mean that every product or feature described is currently available in every country or to every customer.

Website Terms and Product Terms

These Terms primarily govern your use of the Fintech Pacific Website.

Certain Fintech Pacific products and services are governed by separate agreements.

For example, if you create or use a DUA digital wallet, your use of that wallet may be governed by the applicable DUA Digital Wallet Terms and Conditions, Privacy Policy, Fee Schedule, Cardholder Terms and other product-specific terms.

Merchant services may similarly be governed by a separate Merchant Agreement or other commercial agreement.

If there is a conflict between these Website Terms and the specific terms governing a Fintech Pacific product or service, the product-specific terms will apply to your use of that product or service.

Eligibility

You may use our Website only if you are legally capable of entering into an agreement under applicable law.

If you use the Website on behalf of a company, organisation or other legal entity, you represent that you have authority to act on behalf of that entity.

Certain products or services may have additional eligibility requirements, including minimum age requirements, residency requirements, identity verification requirements and regulatory restrictions.

Information on Our Website

We aim to ensure that information published on our Website is accurate and current.

However, financial technology products, partnerships, fees, regulatory requirements and product features may change from time to time.

We therefore do not guarantee that all information appearing on the Website will always be complete, current or error-free.

We may update, modify, remove or replace Website content without prior notice.

Where you are considering using a particular Fintech Pacific product or service, you should refer to the applicable product documentation and contractual terms before making a decision.

No Financial Advice

Information provided through the Website is for general informational purposes.

Unless we expressly state otherwise, nothing on the Website constitutes financial, investment, legal, tax or other professional advice.

You should obtain appropriate independent advice where necessary before making financial or business decisions.

Regulated Payment Services

Certain payment and financial services offered or promoted by Fintech Pacific may be subject to regulation, licensing, approval or oversight by the Reserve Bank of Fiji or another relevant regulatory authority.

Where a service requires regulatory approval, licensing or participation by a regulated financial institution, that service will only be provided in accordance with applicable regulatory requirements and the relevant product terms.

Nothing on this Website should be interpreted as an offer to provide a regulated financial service in a jurisdiction where Fintech Pacific is not authorised or permitted to provide that service.

DUA and Other Fintech Pacific Products

Fintech Pacific may provide information on the Website about products including DUA, DUAPAY, TravelMate and other payment or financial technology services.

Features described may include:

• digital wallet services
• card-related services
• QR payments
• contactless payment acceptance
• person-to-person payments
• merchant payment acceptance
• money transfers and remittances
• bill and subscription payments
• mobile money integrations
• travel-related payment services
• e-commerce payment services
• other financial technology products

The availability of these features may depend on your location, account type, regulatory approvals, participating financial institutions, payment networks and technology providers.

A feature appearing on our Website does not guarantee that the feature is immediately available.

Accounts and Registration

Some areas of our Website or services may require you to register, create an account or provide information.

You agree to provide accurate, current and complete information.

Where login credentials are issued, you are responsible for maintaining their confidentiality and for activity carried out using your credentials.

You must notify us promptly if you believe that your account or credentials have been compromised.

Additional security, identity verification and authentication requirements may apply to individual Fintech Pacific products.

Identity Verification and Compliance

Where you apply for a regulated Fintech Pacific product or service, we or our authorised service providers may be required to verify your identity and conduct compliance checks.

Depending on the service, this may include requesting identification documents, proof of address, information about the source or purpose of funds, business information or other information required under applicable laws and regulatory requirements.

We may decline, delay, restrict or terminate access to a product where required information cannot be satisfactorily verified or where required by law.

Fees and Charges

Access to the general Fintech Pacific Website is normally provided without charge.

Fees may apply when you use specific Fintech Pacific products or services.

Applicable fees will be disclosed through the relevant product terms, Fee Schedule, merchant agreement, application process or other appropriate disclosure.

Fees may vary according to the product, transaction type, payment method, currency, country or third-party provider involved.

Third-Party Services

Our services may depend on or interact with third-party providers, including banks, card networks, payment processors, telecommunications providers, identity verification providers, technology providers and other financial institutions.

Your use of certain third-party services may also be subject to that provider’s own terms and conditions.

We are not responsible for services operated independently by third parties except to the extent required by applicable law or expressly stated in an agreement with you.

Third-Party Websites and Links

Our Website may contain links to third-party websites, applications or services.

These links are provided for convenience and do not necessarily constitute an endorsement.

We do not control third-party websites and are not responsible for their content, availability, security, privacy practices or terms.

You access third-party websites at your own discretion.

Acceptable Use

You must use the Website lawfully and responsibly.

You must not:

• use the Website for unlawful, fraudulent or deceptive purposes
• attempt to gain unauthorised access to our Website, systems or networks
• introduce malware, viruses or other harmful technology
• interfere with the security or operation of the Website
• attempt to circumvent security controls
• impersonate another person or organisation
• submit false or misleading information
• use automated systems to scrape or extract Website content without permission
• copy or commercially exploit our Website or content without authorisation
• use our services in a way that could expose Fintech Pacific or another person to regulatory, financial, security or reputational risk.

We may restrict or block access where we reasonably believe these Terms have been breached.

Intellectual Property

Unless otherwise stated, the Website and its contents are owned by or licensed to Fintech Pacific.

This includes software, text, graphics, photographs, videos, designs, interfaces, databases, logos, trademarks and other content.

The names Fintech Pacific, DUA, DUAPAY and associated names, logos and branding may be trademarks or other intellectual property belonging to Fintech Pacific or its licensors.

You may view and use Website content for legitimate personal or business evaluation purposes.

You may not reproduce, distribute, modify, sell, license, publish or commercially exploit our intellectual property without our prior written permission.

Privacy

Your privacy is important to us.

Our collection, use, storage and disclosure of personal information is governed by our Privacy Policy and, where applicable, the privacy provisions contained in specific product terms.

By providing information through our Website, you acknowledge that your information may be processed for purposes including responding to enquiries, providing requested services, account administration, security, compliance, fraud prevention and other purposes described in our Privacy Policy.

Website Security

We use reasonable administrative, organisational and technical measures designed to protect our Website and systems.

However, no internet-based service can be guaranteed to be completely secure or continuously available.

You are responsible for using appropriate security measures when accessing our Website, including keeping your devices, passwords and authentication credentials secure.

Website Availability

We aim to keep our Website available and functioning correctly, but we do not guarantee uninterrupted availability.

The Website may occasionally be unavailable because of maintenance, upgrades, technical problems, telecommunications failures, cybersecurity events or circumstances outside our reasonable control.

We may modify, suspend or discontinue any part of the Website where reasonably necessary.

Limitation of Liability

To the maximum extent permitted by applicable law, Fintech Pacific will not be liable for indirect, incidental, special or consequential loss arising solely from your use of or inability to use the Website.

This may include loss arising from reliance on general Website information, interruption of Website availability or third-party websites accessed through links on our Website.

Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited.

Different liability provisions may apply to regulated payment services and will be contained in the applicable product-specific terms.

Indemnity

To the extent permitted by law, you agree to indemnify Fintech Pacific against reasonable losses, liabilities or costs resulting directly from your unlawful use of the Website, your material breach of these Terms, or your infringement of another person’s rights.

This provision does not apply to the extent that the loss resulted from Fintech Pacific’s own negligence, misconduct or breach of law.

Suspension or Termination

We may restrict, suspend or terminate your access to the Website where reasonably necessary, including where:

• you breach these Terms
• we reasonably suspect fraud, misuse or unlawful activity
• your activity presents a security risk
• we are required to do so by law or a regulatory authority
• continued access could materially harm our systems, services or other users

Termination of Website access does not automatically terminate a separate product agreement unless provided under that agreement.

Complaints

If you have a concern or complaint about Fintech Pacific or one of our services, please contact us so that we can investigate the matter.

Complaints concerning a specific Fintech Pacific product may be handled under the complaints process contained in the applicable product terms.

Nothing in these Terms prevents you from exercising any rights you may have under applicable law or referring a matter to an appropriate regulator or dispute-resolution body.

Changes to These Terms

We may update these Terms from time to time to reflect changes to our Website, business, services, technology or legal and regulatory requirements.

The latest version will be published on our Website with an updated “Last Updated” date.

Where a change materially affects a registered service, we will provide any notice required under the applicable product agreement or law.

Continued use of the Website after updated Terms become effective constitutes acceptance of the updated Website Terms, to the extent permitted by law.

Governing Law

These Terms are governed by the laws of the Republic of Fiji.

Subject to any rights you may have under applicable consumer, financial services or dispute-resolution laws, disputes relating to these Terms will be subject to the jurisdiction of the courts of Fiji.

Severability

If any provision of these Terms is determined to be invalid, unlawful or unenforceable, the remaining provisions will continue in effect to the extent permitted by law.

No Waiver

If Fintech Pacific does not immediately enforce a right under these Terms, this does not mean that we have waived that right.

Entire Agreement

These Terms, together with our Privacy Policy and any other terms expressly incorporated by reference, constitute the agreement between you and Fintech Pacific regarding your use of the Website.

Separate agreements apply to individual Fintech Pacific products and services.

Contact Us

If you have questions about these Terms or our services, please contact: