📜 Legal & Compliance Updates

Last updated: April 12, 2026

This page serves as the official channel for future legal notices, policy changes, and compliance updates for h13crypto.com.au (operated by Innerzcity Pty Ltd trading as H13 Crypto Institute).

As a first‑of‑its‑kind educational simulation platform (launched 13 January 2026), we are committed to transparency and regulatory compliance.

⚖️ Governing Law & Jurisdiction

These Terms and your use of the h13crypto platform are governed by and construed in accordance with the laws of Victoria, Australia.

Any disputes arising from or relating to these Terms, the Privacy Policy, or your use of the platform shall be subject to the exclusive jurisdiction of the courts of Victoria, Australia. You irrevocably submit to the jurisdiction of these courts.

🏢 Corporate Identity & Registration

📋 Regulatory Status – Australian Financial Services Licence (AFSL)

h13crypto does not require an Australian Financial Services Licence (AFSL) because:

• We do not deal in real financial products (cryptocurrency, derivatives, securities)
• We do not provide personal financial advice
• We do not execute real trades on behalf of users
• All trading activities are purely virtual and educational

The platform is fully compliant with the Australian Consumer Law (ACL) and Stripe's Acceptable Use Policy.

🛡️ Australian Consumer Law (ACL) Compliance

h13crypto operates in full compliance with the Australian Consumer Law (ACL), Schedule 2 of the Competition and Consumer Act 2010 (Cth).

Nothing in our Terms excludes, restricts, or modifies any guarantee, right, or remedy conferred on you by the ACL that cannot be excluded, restricted, or modified by agreement.

📌 Summary of Core Legal Disclaimers

• No AFSL required – we do not deal in real financial products or provide personal financial advice.
• No real trading – all balances and trades are virtual, for educational purposes only.
• No gambling or gaming – the platform uses market data and strategy, not chance.
• Transparent fees – one‑time join fee, monthly subscription, optional virtual refills (all in AUD).
• Australian owned & operated – ABN: 67 096 562 613.
• No deposit insurance – virtual funds have no real value and are not insured.
• No compensation scheme – virtual losses do not qualify for government compensation.

👨‍👩‍👧‍👦 Parental Consent & Supervision for Minor Users

Guardian-Controlled Accounts: While the Platform is intended for users aged 18 and over, a parent or legal guardian may register an account for a minor under their care. By doing so, the parent or guardian:

• Confirms they have the legal authority to act on behalf of the minor.
• Accepts these Terms of Service on behalf of themselves and the minor.
• Becomes the primary contracting party and accepts full legal and financial responsibility for all use of the account, including the payment of any fees.
• Agrees to actively supervise the minor's use of the Platform and ensure compliance with these Terms.

Legal Framework: This structure is established to ensure legal clarity, as under Australian law, contracts entered into by minors are generally voidable at the minor's option. By having a parent or guardian act as the contracting party, the Platform ensures that the agreement is legally binding and enforceable.

Educational Purpose: The parent or guardian acknowledges that the Platform is a virtual, educational simulation. The minor cannot incur real financial losses through its use, and the Platform is not a financial service.

Parental Consent Requirement: By creating a Guardian-Controlled Account, the parent or guardian provides their explicit consent for the collection and use of the minor's personal information as described in our Privacy Policy, in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

🏫 Institutional Partnerships with Educational Bodies

h13crypto is pleased to partner with schools, colleges, universities, and other educational institutions to provide its educational simulation platform to students.

Purpose: The purpose of such partnerships is solely to enhance financial and trading literacy through risk-free, simulated learning. The Platform serves as an educational tool to complement a student's curriculum and develop practical skills in a safe environment.

Responsibilities of the Institution: When an institution facilitates student access to the Platform, it acknowledges that:

• It retains its non-delegable duty of care for the welfare and safety of its students, as established under Australian common law. The institution remains responsible for the supervision and well-being of its students while using the Platform as part of their educational program.
• It will take all reasonable steps to ensure students (or their parents/guardians) understand that the Platform uses virtual money and is not a real financial service, and that no real financial risk is involved.
• It will ensure its use of the Platform is fully compliant with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth), including obtaining any necessary consents for the collection and use of student data.
• It will ensure that any agreements entered into with h13crypto are on standard form terms that are fair and reasonable, and that the Platform is used for genuine educational purposes only.

h13crypto's Commitment: h13crypto is committed to:

• Providing a safe, secure, and educationally valuable platform for all users.
• Maintaining compliance with all applicable Australian laws and regulations.
• Protecting the privacy and personal information of all users in accordance with the Privacy Act 1988 (Cth).
• Ensuring all advertising, marketing, and promotional material directed at students is fair, accurate, and not misleading.

Legal Framework: This partnership is built on the understanding that students are consumers under the Australian Consumer Law (ACL), which is Schedule 2 of the Competition and Consumer Act 2010 (Cth), and the services provided are educational in nature. All agreements with institutions will be in standard form, and h13crypto is committed to ensuring that all terms are fair and comply with the ACL's prohibitions against unfair contract terms. The Platform's use of virtual funds ensures it does not constitute a financial service requiring an Australian Financial Services Licence (AFSL).

Advertising to Students: Any advertising or promotional material directed at students by h13crypto or its institutional partners will be conducted in a manner that is fair, accurate, and not misleading or deceptive, in compliance with the ACL and the Australian Consumer Law (Cth).

🛡️ Intellectual Property (IP) & Ownership

All intellectual property rights in the h13crypto platform, including but not limited to the software code, algorithms, user interface, graphics, logos, and all original content, are the exclusive property of Innerzcity Pty Ltd (trading as H13 Crypto Institute).

This platform, launched on 13 January 2026, is a first‑of‑its‑kind educational simulation tool. As such, its underlying technology, business methods, and proprietary algorithms are protected as trade secrets and confidential information, in addition to the automatic copyright protection granted under the Copyright Act 1968 (Cth).

You are granted a non‑exclusive, non‑transferable, revocable right to access and use the platform for your personal, educational, and non‑commercial purposes in accordance with our Terms of Service. Any unauthorised copying, reproduction, modification, distribution, display, or creation of derivative works of the platform or its content is strictly prohibited.

h13crypto reserves the right to seek patent protection for its novel systems and processes, and to register its brand name and logo as trademarks to further safeguard its intellectual property assets.

🔐 Privacy & Data Protection

h13crypto complies with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth).

• We collect minimal personal information (username, email)
• We do not collect KYC documents, ID scans, or wallet addresses
• Payments are processed securely by Stripe – we do not store card details
• You have the right to access, correct, or delete your data
• Data breaches are reported under the Notifiable Data Breaches (NDB) scheme

For full details, please read our Privacy Policy.

🍪 Cookies & Tracking Technologies

We use only essential cookies to keep you logged in and remember your preferences (e.g., dark mode, language).

• No tracking cookies – we do not use Google Analytics, Facebook Pixel, or similar
• No advertising cookies – we do not serve or target ads
• No third-party cookies – except Stripe for payment processing

Most browsers allow you to block cookies, though some platform features may not work as intended.

📢 Future Legal & Compliance Updates

Any material changes to our legal framework, including but not limited to:

• Updates to our AFSL status (if ever required)
• Changes in response to evolving crypto‑asset or unfair trading laws
• Corporate restructuring or ownership disclosures
• Material amendments to our Terms of Service or Privacy Policy

will be published here with a clear revision date and changelog.

📞 Complaints & Dispute Resolution

If you have a complaint about the platform or its services, please follow these steps:

1. Contact us directly – support@h13crypto.com.au
2. Allow 10 business days for internal review
3. If unresolved, you may lodge a complaint with AFCA (Australian Financial Complaints Authority)
4. Privacy complaints – lodge with the Office of the Australian Information Commissioner (OAIC)

AFCA Contact:
Website: www.afca.org.au
Phone: 1800 931 678
Note: AFCA handles complaints about financial services. For educational platforms, direct contact is preferred first.

⚠️ Limitation of Liability

To the maximum extent permitted by law, h13crypto and its operators, directors, employees, and agents are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the platform.

In no event shall our total liability to you exceed the amount you paid to us (if any) in the preceding 12 months.

📄 Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on this site, constitute the entire agreement between you and h13crypto regarding your use of the platform.

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Disclaimer: This page is for informational purposes only and does not constitute legal advice. Users should consult their own legal advisor for any questions regarding their jurisdiction. h13crypto reserves the right to update this page at any time without prior notice.

© 2026 Innerzcity Pty Ltd (trading as H13 Crypto Institute). All rights reserved.