Last updated: April 12, 2026
Welcome to h13crypto ("Platform", "we", "us", or "our"). These Terms of Service ("Terms") govern your access to and use of our website, applications, and services.
By accessing or using the Platform, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you may not use the Platform.
Eligibility: You must be at least 18 years old to use the Platform. By using the Platform, you represent and warrant that you meet this requirement.
Account Responsibility: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.
Account Suspension: We reserve the right to suspend or terminate your account if any information provided proves to be inaccurate, false, or misleading, or if you breach any of these Terms.
The Platform is provided solely for educational and simulated trading purposes. Key points you must understand:
For more details on our regulatory status, please see our Legal & Compliance Updates.
Access to the full Platform is subject to the following fees (all in AUD including GST):
Refund Policy: All fees are non-refundable. You may cancel your subscription at any time, and cancellation will take effect at the end of your current billing period.
All payments are processed securely by Stripe. We do not store your credit card or banking details.
You agree to use the Platform only for its intended educational purpose. You must not:
Violation of these rules may result in immediate termination of your account and a ban from future use.
All intellectual property rights in the h13crypto platform, including but not limited to the software code, algorithms, user interface, graphics, logos, and original content, are the exclusive property of Innerzcity Pty Ltd (trading as H13 Crypto Institute) (ABN: 67 096 562 613).
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 these Terms.
Any unauthorised copying, reproduction, modification, distribution, display, or creation of derivative works is strictly prohibited. For full details, please refer to the Intellectual Property section of our Legal Updates page.
Disclaimer: The Platform is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the Platform will be uninterrupted, error-free, or free of viruses or other harmful components.
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.
Nothing in these Terms excludes, restricts, or modifies any guarantee, right, or remedy conferred on you by the Australian Consumer Law (ACL) that cannot be excluded, restricted, or modified by agreement.
We may suspend or terminate your access to the Platform at any time, with or without notice, for any reason, including but not limited to breach of these Terms. Upon termination, your right to use the Platform will cease immediately.
You may cancel your account at any time by contacting support or through your account settings.
These Terms are governed by the laws of Victoria, Australia. You submit to the exclusive jurisdiction of the courts of Victoria.
If you have a complaint, we encourage you to first contact us at support@h13crypto.com.au. If the matter is not resolved, you may be eligible to lodge a complaint with the Australian Financial Complaints Authority (AFCA).
We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on this page and updating the "Last updated" date. For significant changes, we may also provide additional notice (e.g., via email or a platform notification).
Your continued use of the Platform after the effective date of any changes constitutes your acceptance of the modified Terms.
If you have any questions about these Terms, please contact us:
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:
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).
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:
h13crypto's Commitment: h13crypto is committed to:
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).
First-of-its-Kind Platform: h13crypto launched its educational simulated trading environment on 13 January 2026. As a pioneering platform, it is designed solely for risk‑free, virtual learning and does not constitute a financial service, cryptocurrency exchange, or gambling product under Australian law.
Regulatory Status (Australia): The platform does not require an Australian Financial Services Licence (AFSL) because it does not deal in real financial products, provide personal financial advice, or execute real trades. All activities are fully compliant with the Australian Consumer Law (ACL), including clear disclaimers and transparent fee structures.
No Real Money Trading: All balances, trades, and profits displayed are purely virtual. No real cryptocurrency or fiat currency is ever exchanged, bought, or sold through the platform.
Future Legal & Compliance Updates: As laws evolve, particularly regarding crypto‑assets and unfair trading practices, this platform may update its policies. For the latest legal disclosures and any future corporate statements, please refer to our dedicated legal page: https://h13crypto.com.au/public/legal-updates.
This summary is for informational purposes only and does not constitute legal advice. Users should consult their own legal advisor for any questions regarding their jurisdiction.
© 2026 Innerzcity Pty Ltd (trading as H13 Crypto Institute). All rights reserved.