General terms and conditions

These general terms and conditions of use (“General Terms”) form a legal agreement between you and JNC Technologies Group Holdings Pty Limited (ABN :47 633926691) an Australian incorporated company trading as JNCtech.

The General Terms along with the various terms and conditions that can be accessed from the links below govern your access to and use of the services owned and operated by JNCtech (“Services”). Your use of the Services will be subject to the General Terms and all other applicable terms and conditions (referred to collectively as the JNCtech Terms) as set out in these General Terms, and as amended by JNCtech from time to time.

Subject to your compliance with the JNCtech Terms you will be able to manage your account (“Account”) to access the Services we provide through the JNCtech website (“Website”) and mobile applications (“Apps”). The specific terms for such use are:

  • Account Terms and Conditions
  • Website Terms and Conditions
  • Apps Terms and Conditions

A reference to “you” or “you’re” in the JNCtech Terms refers to you as a user of our Services. A reference to “we”, “us” or “our” refers to JNCtech

Please carefully read these General Terms and the other terms and conditions that relate to your mode of use before deciding whether to use any JNCtech services.


This section sets out the key rules on how you can use our Services:

  • 1. Our Services are provided for your use as a versatile and convenient payment platform.
  • 2. Improper use of our Services will not be permitted and, if warranted, your Account may be suspended or terminated.

OUR POLICIES AND TERMS OF USE: A more detailed explanation of our General Terms is set out below. The JNCtech Terms apply to all your interactions with JNCtech. Unless otherwise stated, a reference to the JNCtech Terms also includes any related policies. Our Privacy Policy provides information on our collection, storage and use of the details and data you provide to us or place on our Services. That document also governs your use of our Services and forms part of the JNCtech Terms. Please carefully read each of these documents before deciding whether to join JNCtech. Your right to use our Services and to operate an Account is subject to your agreement to the JNCtech Terms. If you click on the “Continue” button, you agree to be bound by the JNCtech Terms.



  • 1.1. JNCtech provides software that may be accessed through our Mobile Application.
  • 1.2. Our Services also enable synchronisation of your information and data across multiple devices and it is implicit in your use of our Services that you grant a licence to JNCtech to distribute copy, store, cache and transmit your information and data
  • 1.3. Any exclusion of JNCtech’s liability in the JNCtech Terms includes exclusion of liability for any director, officer, member, employee, contractor, representative, agent, affiliates, subsidiary or joint venture partner, successor or assign of JNCTECH(“JNCtech Entity”).



  • 2.1 If you interact with our Services as the user of an Account, you bear sole responsibility for the management and use of your Account and it is your responsibility to:
    • a) manage how you create and use: your user name; Passcode and the answers to any account identification questions;
    • b) ensure that your registration details are true and accurate at all times;
    • c) update your registration and instruction details from time to time when they change.
  • 2.2 JNCtech may exercise its discretion to alter, suspend, terminate or restrict our Services or a particular user’s use of our Services (“Service Restriction”).



  • 3.1 All fees payable to us are to be paid in Australian Dollars.
  • 3.2 You must pay all fees that are payable to us in full and in a timely manner along with all applicable taxes.
  • 3.3 We may collect any fees owed to us by using any payment method you have filed with us. If we are unable to collect our fees, we will commence recovery action and you may be liable for the recovery costs in addition to the outstanding monies owed.



  • 4.1 You can close your Account by providing JNCtech with 30 days’ written notice of your intention to terminate.



  • 5.1 JNCtech reserves the right to change its practices and/or the JNCtech Terms at any time and such new terms and conditions will (regardless of the notice given to you) become immediately binding on you once the changes are posted on our Services.
  • 5.2 If you continue to use our Services after the JNCtechTerms are varied, you are deemed to have agreed to be bound by the variation. It is therefore important that you review the JNCtech Terms and BILLI’s policies regularly.



  • 6.1 Subject to the JNCtech Terms, you are granted a non-exclusive, limited, and revocable licence to use the Services.
  • 6.2 If you agree to the JNCtech Terms you represent to JNCtech that you:
    • a) are 18 years old or older; and
    • b) can enter into a legally binding agreement.



  • 7.1 JNCtech may refuse to approve or decide to terminate an existing Account or your use and access to our Services at any time and at our sole discretion. That decision may be made without cause or notice (other than any notice required by any applicable law).
  • 7.2 We reserve the right to cease providing our Services at any time without notice.



  • 8.1 Our Services may only be used for legal and legitimate transactions and purposes.
  • 8.2 You must not:
    • a) create a new account to use our Services after JNCtech has terminated your Account due to your breach of the JNCtech Terms;
    • b) act in any way that violates the JNCtech Terms; or
    • c) engage in any action or practice that reflects poorly on JNCtech or otherwise disparages or devalues the reputation or goodwill of JNCtech.



  • 9.1 JNCtech reserves the right to investigate, at its own discretion, any activity that it considers may violate the JNCtech Terms.
  • 9.2 JNCtech may refuse to approve or decide to terminate an existing Account at our sole discretion and that decision may be made without cause or notice (other than any notice required by any applicable law).
  • 9.3 JNCtech reserves the right to, from time to time and without seeking your consent:
    • a) establish general practices and limits concerning use of our Services;
    • b) change, suspend or discontinue (without notice and/or without incurring any liability) any aspect of our Services (or any Service features) at any time; and
    • c) restrict access to all or part of any Services (without notice and/or without incurring any liability).
  • 9.4 This agreement formed under the JNCtech Terms will be deemed to terminate upon termination of your Account provided all outstanding fees you owe have been paid in full.
  • 9.5 JNCtech also reserves the right to terminate without notice any Account that has been inactive over a period of one year.



  • 10.1 The trademarks, trade names, service marks and other JNCtech logos and brand features, and product and service names are the property of JNCtech (“JNCtech Marks”).
  • 10.2 You must not, without prior written permission, copy, transmit, display, perform, alter, store, licence, distribute or otherwise use the JNCtech Marks.
  • 10.3 Other featured trademarks, words or symbols, used to identify the source of goods and services, are the trademarks of their respective owners.
  • 10.4 JNCtech owns all right, title and interest, including without limitation all Intellectual Property
  • 10.5 Rights related to your use of our Services including the technology and brand of JNCtech including implied licenses, but excluding any items JNCtech has licensed from third parties.
  • 10.6 You will not acquire any right, title, or interest in or to our Services except as expressly set forth in the JNCtech Terms.



  • 11.1 Your rights regarding your information we collect or hold are detailed in the Privacy Policy which is incorporated into the JNCtech Terms and those terms govern the collection, storage and use of that information.
  • 11.2 So, please carefully consider our Privacy Policy before becoming a user of our Services or opening an Account.
  • 11.3 JNCtech may:
    • a) transfer and disclose to third parties personally identifiable information about you in order to approve and activate your participation as a user of our Services or to facilitate a transaction;
    • b) provide such information to third parties that reside in jurisdictions with less restrictive data laws than your own jurisdiction;
    • c) share non-personally identifiable information about you, including URL and URL-specific statistics and other similar information collected by JNCtech with the advertisers, business partners, sponsors of JNCtech and other third parties; and
    • d) provide information to courts or other authorities in response to a valid legal process or to establish or exercise the legal rights of JNCtech or to defend against legal claims.
  • 11.4 In particular, your use of our Services is conditional on JNCtech being deemed to have a right to post or transmit data across various delivery platforms.
  • 11.5 JNCtech will not be liable to you for any disclosure of that information by any such third party.



  • 12.1 You agree that JNCtech may use electronic means such as email and notices posted on our Services to communicate with you concerning:
    • a) changes to our Services.
    • b) amendments to the JNCtech Terms.
    • c) payment authorisations.
    • d) notices or other disclosures.
    • e) debt collection; and/or
    • f) any other matter related to the JNCtech Terms and/or our Services.
  • 12.2 Please retain copies of any electronic communication by either saving a ‘soft’ copy or printing the document.
  • 12.3 You will be deemed to receive the communication once it is sent to you at your email address or posted on our Services.
  • 12.4 You agree to receive electronic communication even in circumstances where you may have a statutory right to receive such communication in paper form.
  • 12.5 You are entitled to request an electronic communication to be resent or to order a paper copy, but JNCtech reserves the right to charge a reasonable fee for such additional service.
  • 12.6 Please promptly notify JNCtech of any change to your email address.
  • 12.7 You may also notify us if you withdraw your consent to receive electronic communication, however JNCtech reserves the right to suspend or terminate your access to our Services if you withdraw that consent.



  • 13.1 You release JNCtech from any liability in relation to any claim, demand and damage (whether actual and/or consequential) regardless of the kind or nature of the liability, whether it is known or unknown or whether is arises out of or is in any way connected with a dispute between you or any other user/s of the Services.



  • 14.1 Our Services are provided on an “as is” and “as available” basis.
  • 14.2 Your use of our Services is at your sole risk and you agree that. JNCtech not liable for how you manage your Account or how you elect to use our Services or the outcomes that result.
  • 14.3 We do not guarantee the results you will achieve and JNCtech takes no responsibility for your actions, choices or decisions, as they are your responsibility.
  • 14.4 Any information provided on the Services is intended to assist you and that information is not, nor is it intended to be, a substitute for legal, financial or other professional advice.
  • 14.5 Although JNCtech intends to take reasonable steps to protect the integrity and reliability of our Services, JNCtech does not warrant and JNCtech does not give you any guarantee or representation that:
    • a) our Services or any information or other material accessible through our Services will be uninterrupted, timely, reliable, secure, error-free or is free of any virus, worm, trojan horse or other harmful component;
    • b) there will be any operational stability, availability or continuation of our Services;
    • c) any message, email, notice, post, answer or transmission of information will be successfully delivered or displayed; or
    • d) there will be any continuation of the agreement formed under the JNCtech Terms.
  • 14.6 Although JNCtech intends to take reasonable steps to protect the integrity JNCtech warns you that our Services may be discontinued at the sole and absolute discretion JNCtech or that our Services may be inoperable at times due to:
    • a) down time and scheduled maintenance;
    • b) outages to any public Internet backbones, networks or servers;
    • c) equipment failure including the failure of third party local access systems; or
    • d) Force Majeure Event.



  • 15.1 To the maximum extent permitted by applicable law, JNCtech disclaims all warranties, either express or implied, including but not limited to:
    • a) uninterrupted or continuous availability of our Services; and
    • b) implied warranties of merchantability, fitness for a particular purpose with respect to our Services under the JNCtech Terms.
  • 15.2 Under no circumstances (including but not limited to any act or omission on the part of JNCtech) will JNCtech be liable for any indirect, incidental or, special and/or consequential damage or loss of profits, goodwill or reputation including, without limitation, damages arising out of an action under contract, negligence or any other theory or for any loss or consequential loss including any business profits, business information, business reputation, business opportunity, goodwill or any business interruption or other pecuniary loss or any incidental damages, punitive damages or exemplary damages whatsoever that result from your use of the Services or your inability to use or access the Services (“Damages”).
  • 15.3 JNCtech has no liability for any Force Majeure Event.
  • 15.4 Certain laws may not allow the exclusion of some conditions and warranties in which case some of the above exclusions may not apply to you.
  • 15.5 Nothing in this Agreement limits or excludes our liability for death or personal injury resulting from our negligence, fraud or fraudulent misrepresentation, and any other liability that cannot be excluded or limited by law.



  • 16.1 The JNCtech Terms will not be excluded to the extent that such exclusion is prohibited by the laws of the jurisdiction where you reside and where those laws confer rights and remedies and imply terms into the JNCtech Terms that cannot be excluded.
  • 16.2 If a jurisdiction does not allow an exclusion or limitation of liability, but allows a limitation to a certain maximum extent, then liability of JNCtech is limited to that extent.
  • 16.3 If any provision in the JNCtech Terms is invalid under any law the provision will be limited, narrowed, construed, or altered as necessary to render it valid but only to the extent necessary to achieve validity.
  • 16.4 If necessary, the invalid provision will be deleted from the JNCtech Terms and the remaining provisions will remain in full force and effect.



  • 17.1 If any provision of the JNCtech Terms is deemed unlawful, void, or for any reason unenforceable, that provision will be deemed severable from the JNCtech Terms and will not affect the validity and enforceability of any remaining provisions.



  • 18.1 A failure by JNCtech to act with respect to a breach by you or any third party does not waive the right of JNCtech to act with respect to subsequent or similar breaches.



  • 19.1 Please contact us by email if you have a complaint regarding our Services.



  • 20.1 The laws of New South Wales govern any agreement formed under the JNCtech Terms and the parties irrevocably submit to the jurisdiction of the courts of that State.



  • 21.1 “Force Majeure Event” means an event including, without limitation, an act of God, storm, tempest, war, terrorism or threat of terrorism, revolution, civil strife, plague or epidemic, industrial action, strike, fire, flood, public disaster, failure or delays of scheduled transportation, interruption of essential services or public utilities, governmental intervention or exercise of authority, which is outside JNCtech’s control.
  • 21.2 “Intellectual Property Rights” means any and all rights existing from time to time under patent law, copyright law, semiconductor chip protection law, moral rights law, trade secret law, trademark law, unfair competition law, publicity rights law, privacy rights law, and any and all other proprietary rights, as well as, any and all applications, renewals, extensions, restorations and re-instatements of those rights, now or later that are in force and effect worldwide.