Legal Information

Financial Services Authorization

Azawire Payments Pty Ltd holds the following authorizations and licenses:

• Australian Financial Services License (AFSL) No. 123456
• Registered with AUSTRAC as a Digital Currency Exchange Provider
• Authorized Payment Institution in the European Union (License No. EU789012)
• Money Services Business (MSB) registered with FinCEN in the United States

Compliance and Oversight

Our operations are subject to regulation and oversight by:

• Australian Securities and Investments Commission (ASIC)
• Australian Transaction Reports and Analysis Centre (AUSTRAC)
• Reserve Bank of Australia (RBA)
• Financial Conduct Authority (FCA) in the United Kingdom
• Financial Crimes Enforcement Network (FinCEN) in the United States

Banking Partners

Tirra partners with the following licensed financial institutions to provide banking services:

• Australia: National Australia Bank Limited (NAB), AFSL 230686
• European Union: Barclays Bank Ireland PLC, regulated by the Central Bank of Ireland
• United States: Blue Ridge Bank, N.A., Member FDIC
• United Kingdom: ClearBank Ltd, authorized by the FCA

Cryptocurrency Risks

Cryptocurrency transactions and holdings involve significant risks:

• Cryptocurrency values can be highly volatile and may result in significant gains or losses
• Cryptocurrency transactions are generally irreversible
• Regulatory frameworks for cryptocurrencies are evolving and may change
• Lost or stolen cryptocurrency may be unrecoverable
• Cryptocurrency holdings are not protected by government insurance schemes

The Tirra name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Azawire Payments Pty Ltd or its affiliates. These trademarks are registered in Australia and other jurisdictions.

All content on the Tirra platform, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of Azawire Payments Pty Ltd or its content suppliers and is protected by international copyright laws.

You may not use our trademarks or copyrighted materials without our prior written consent. Any unauthorized use may violate copyright, trademark, and other laws.

Internal Complaints Process

If you have a complaint about our services, please contact our customer support team at support@tirra.com. We aim to acknowledge complaints within 24 hours and resolve them within 30 days.

External Dispute Resolution

If you're not satisfied with our response, you can refer your complaint to:

Governing Law and Jurisdiction

These terms and your use of Tirra services are governed by the laws of New South Wales, Australia. You agree to submit to the exclusive jurisdiction of the courts of New South Wales for the resolution of any disputes, except where mandatory consumer protection laws require otherwise.

Before using Tirra services, please carefully review our Product Disclosure Statement (PDS), which provides detailed information about:

• Features and benefits of our products and services
• Fees and charges
• Risks associated with our products
• How to open and close accounts
• Transaction limits and processing times
• Dispute resolution procedures

You can download the current PDS from our website or request a copy by emailing info@tirra.com

You may not use Tirra services for any illegal or prohibited activities, including but not limited to:

• Money laundering or terrorist financing
• Fraud or other financial crimes
• Purchasing illegal goods or services
• Violating sanctions or export control laws
• Gambling in jurisdictions where it's prohibited
• Infringing intellectual property rights
• Impersonating others or providing false information
• Interfering with or disrupting our services

We reserve the right to suspend or terminate accounts, report suspicious activity to authorities, and cooperate with law enforcement investigations.

To the maximum extent permitted by law:

• Tirra is not liable for any indirect, incidental, special, consequential, or punitive damages
• Our total liability for any claims related to our services is limited to the fees you paid to us in the 12 months prior to the event giving rise to the claim
• We are not responsible for losses caused by circumstances beyond our reasonable control, including system failures, network outages, or actions of third parties

Nothing in these terms excludes or limits our liability for fraud, death or personal injury caused by our negligence, or any other liability that cannot be excluded or limited under applicable law.

We may amend these legal terms from time to time. We'll notify you of material changes at least 30 days in advance via email or through our platform. Your continued use of Tirra services after changes become effective constitutes acceptance of the amended terms.

For legal inquiries or to request copies of our legal documents: