Australian Payments Council

Website Terms of Use



The Australian Payments Council (APC) owns the copyright in material on this website, unless otherwise expressly stated.

Other than for the purposes of, and subject to the conditions prescribed under, the Copyright Act 1968 (Cth) (or any other applicable legislation throughout the world), or as otherwise provided below, no part of any material on this website may, in any form or by any means, be reproduced, adapted, distributed, stored in a retrieval system, transmitted, printed, displayed, published or commercialised without APC’s prior written consent.  Enquiries should be directed to APC.

You may:

  • print copies of any material on this website for informational, non-commercial use;
  • store a copy of the material on your local computer solely for viewing it; or
  • copy or distribute any one or more pages of the material in complete and unaltered form, so long as it is appropriately attributed to APC, and a copy of this copyright notice appears in its entirety in each copy made or distributed.

All other rights are reserved by APC.



The material on this website is not intended to be, and should not be relied on as, a substitute for professional advice.

The material on this website changes from time to time without notice. By accessing or using this website you acknowledge that APC has no obligation to notify you of changes to the material on this website. While APC endeavours to keep the material on this website up to date, there may be delays, errors or omissions in doing so. APC is not liable to any user of this website or to any other party for such delays, errors or omissions.

In some cases, material on this website may incorporate or be based on views of, or information provided by, third parties. APC does not in all cases independently verify such information.

To the extent permitted by applicable law, APC makes no warranties or representations about this website or any material on it including, without limitation, warranties or representations:

  • as to the quality, accuracy, content, legality, completeness, merchantability or fitness for purpose of this website or any material on it or printed from it; or
  • that this website or any material on it is free from computer viruses or other defects. APC recommends that you take your own precautions to ensure that whatever you select for use from this website is free from computer viruses or other defects.

To the extent permitted by applicable law, APC disclaims all liability in connection with this website or use of or reliance on any material on this website or printed from it including, without limitation, liability for any loss or damage, however caused, resulting directly or indirectly from use of or reliance on this website or any material on it, or printed from it.

Links to third party sites

This website contains links to other websites. Those links are provided for convenience only.

Linked sites are not under the control of APC. APC is not responsible for the contents of those linked sites. Without limitation, APC does not warrant or represent that material on linked sites does not infringe any intellectual property rights of any person, or that linked sites are free from computer viruses or other defects.

Links to other websites should not be construed as any endorsement, approval or recommendation by APC of the owners or operators of those websites, or of any information, products or services referred to in those websites.  APC makes no warranties or representations, and takes no responsibility, regarding the accuracy, merchantability, fitness for purpose, or any other aspect of any material on any linked site.

APC does not, and must not be taken to, authorise any infringement of any intellectual property rights contained in material on other website, by providing links to those websites.

This web site and its use are governed by the laws of New South Wales.


Comments moderation policy

This site is designed to provide information about, and engage the community in, the work of the Australian Payments Council (APC). We specifically want to encourage conversation about innovation, trends, desirable characteristics and collaboration in the Australian payments system.

We take a proactive approach to website content moderation. While contributions, commentary and discussions are both welcomed and invited, we will pre-moderate contributions, commentary, discussions and any other content or information that is provided by you before it is published on the website.

By using this facility, you agree to be bound by this Moderation Policy, and you acknowledge that your agreement to this Moderation Policy (as may be updated from time to time) constitutes a legally binding agreement between you and the APC (and each of its members).

We ask that you follow our guidelines, listed below. Comments which do not meet our guidelines may not be posted at all or if posted, may be subsequently removed. Repeat offenders may be temporarily or permanently blocked.

  • Comments should be relevant to the subjects of innovation, trends, desirable characteristics, and collaboration in the Australian payments system.
  • Comments should be respectful of others and their opinions.
  • Comments should not be racist, sexist, discriminatory or offensive.
  • Comments should not be defamatory.
  • Comments should not include any commercial promotion
  • Comments must be in accordance with relevant laws.

You should be aware of the following matters before you use this facility:

  • Please read our Terms of Use and particularly note our copyright and intellectual property rights before posting online.
  • Please do not include unnecessary personal information in your comment. Please read our Privacy Statement which applies to any personal information you disclose whilst providing comment.
  • While we occasionally provide links to external sites, the provision of links does not constitute official endorsement of those sites – see our Terms of Use.
  • This site is run by a small team and we will use our best efforts to moderate and post comments as quickly as possible but cannot guarantee a time frame for when your comment will appear on the website.