Website Terms and Conditions

Coinstash User Agreement
Coinstash Rewards and Coinstash Membership Terms and Conditions
Risk Disclosure Statement

Coinstash User Agreement

1. About the Platform

1.1 Welcome to www.coinstash.com.au, www.coinstash.io, www.coinstash.com.au, any sub-domains and any associated web-based and mobile applications, including APIs (the 'Platform'). The Platform provides digital currency exchange related products and services (the 'Services').

1.2 The Platform is operated by TWMT PTY LTD trading as Coinstash AU (ABN 76 621 581 584) (‘Coinstash’, ‘we’, ‘us’, or ‘our’). Access to and use of the Platform, or any of its associated Products or Services, is provided by Coinstash. Please read this User Agreement (the 'Agreement') carefully. By using, browsing and/or reading the Platform, this signifies that you have read, understood and agree to be bound by the Agreement. If you do not agree with the Agreement, you must cease usage of the Platform, or any of Services, immediately.

1.3 Coinstash reserves the right to review and change any of the Agreement terms by updating this page at its sole discretion. When Coinstash updates the Agreement, it will use reasonable endeavours to provide you with notice of updates to the Agreement. Any changes to the Agreement take immediate effect from the date of their publication. Before you continue, we recommend you keep a copy of the Agreement for your records.

1.4 By continuing to access our Platform and/or use our Services once the revised terms have become effective, you agree to be bound by the revised terms.

2. Acceptance of the Agreement

2.1 You accept the Agreement by remaining on the Platform. You may also accept the Agreement by clicking to accept or agree to the Agreement where this option is made available to you by Coinstash in the user interface.

3. Registration to use the Services

3.1 In order to access the Services, you must first register for an account through the Platform (the 'Account').

3.2 As part of the registration process, or as part of your continued use of the Services, you may be required to provide personal information about yourself (such as identification or contact details), including:

(a) Email address;

(b) Full name;

(d) Telephone number;

(e) Password;

(f) Date of birth; and/or

(g) Identity Verification Documents.

3.3 To verify your identity, we may engage third parties and use the Document Verification Service (‘DVS’) to check the information you provided about yourself. You acknowledge and agree that, in accessing the Platform and/or use our Services, you are authorised to provide the personal details presented and consent to your information being checked with the document issuer or official record holder via third party systems for the purpose of confirming your identity.

3.4 If you do not provide all the required information, Coinstash may not be able to provide all Services to you.

3.5 You warrant that any information you give to Coinstash in the course of completing the registration process will always be accurate, correct and up to date. You agree that Coinstash may communicate with you about its Services electronically. If at any time you no longer wish to receive these communications, please contact us.

3.6 Once you have completed the registration process, you will be a registered user of the Platform ('User') and agree to be bound by the Agreement.

4. Your obligations as a User

4.1 As a User, you agree to comply with the following:

(a) you warrant and represent that you are at least eighteen (18) years of age and have full legal capacity to enter into an agreement;

(b) you will use the Services only for purposes that are permitted by:

(i) the Agreement; and

(ii) any applicable law, regulation or generally accepted practices or guidelines in the relevant jurisdictions;

(c) you have the sole responsibility for protecting the confidentiality of your password, email address and 2-factor authentication (as supported by the Platform). Sharing your password, email address and/or 2-factor authentication with any other person may result in the immediate suspension, and/or cancellation of the Services;

(d) any use of your registration information by any other person, or third parties, is strictly prohibited. You agree to immediately notify Coinstash of any unauthorised use of your password, email address or 2-factor authentication or any breach of security of which you have become aware;

(e) access and use of the Platform is limited, non-transferable and allows for the sole use of the Platform by you for the purposes of Coinstash providing the Services;

(f) you will not use the Services or the Platform in connection with any commercial endeavours except those that are specifically endorsed or approved by the management of Coinstash;

(g) you will not use the Services or Platform for any illegal and/or unauthorised use which includes collecting email addresses of Users by electronic or other means for the purpose of sending unsolicited email or unauthorised framing of or linking to the Platform;

(h) you agree that commercial advertisements, affiliate links, and other forms of solicitation may be removed from the Platform without notice and may result in termination of the Services. Appropriate legal action will be taken by Coinstash for any illegal or unauthorised use of the Platform;

(i) you acknowledge and agree that any automated use of the Platform or its Services is prohibited;

(j) you agree that, where you do not use 2-factor authentication (as supported by the Platform), you are liable for any losses where a third party unlawfully obtains your password;

(k) if you grant express permission to a third party to access, view or connect your Account(s) through the Platform, you acknowledge that granting permission to a third party to access, view, or connect your Account(s) does not relieve you of any of your responsibilities under the Agreement. You are fully responsible for all acts or omissions of any third party with access to your Account(s) and any action of such third party shall be considered to be an action authorised by you. Further, you acknowledge and agree that you will not hold Coinstash responsible for, and will indemnify Coinstash from, any liability arising out of or related to any act or omission of any third party with access to your Account(s); and

(l) you must not use your Account(s) or the Services for any payment-related purposes, including making or receiving a payment on behalf of another person or entity. For clarity, “payment” means a payment made or caused to be made otherwise than by the physical delivery of Australian or foreign currency in the form of notes and/or coins.

5. Digital Currency Services

5.1 Coinstash is a registered digital currency exchange service provider and will provide you digital currency exchange services and related products pursuant to this Agreement.

5.2 Coinstash is not liable and you accept that Coinstash has no responsibility where a third party unlawfully obtains your password or 2-factor authentication.

5.3 Coinstash provides the Users a digital currency account that only enables the Users to conduct the following activities with Coinstash:

(a) buying and selling digital assets with fiat currency;

(b) depositing and withdrawing digital assets; and

5.4 The Services and your Account are provided solely for digital asset exchange as outlined in clause 5.3. They are not to be used as a payment account or facility for transferring value between parties, whether for goods, services, or any other purpose not expressly authorised by Coinstash.

5.5 By becoming a User, you agree that we process transactions based on instructions provided by you. In the event that there is a misunderstanding of the instructions, we bear no liability to you to the extent permitted by law.

5.6 As a User, you are responsible for verifying the accuracy of all of your instructions prior to submitting them. You acknowledge that in certain circumstances, such instructions can be given without a second confirmation.

5.7 Coinstash accepts no responsibility for any loss or damages if you provide us with any wrong or false information, including but not limited to:

(a) incorrect digital asset wallet address;

(b) incorrect blockchain network;

(d) mix-up of the wallet address of one digital asset with another; and

(e) incorrect bank account details for fiat currency withdrawals.

5.8 To help protect your funds and ensure timely processing, Coinstash may have processes in place requiring manual digital asset deposits to be completed within a specified timeframe, such as one (1) hour. These measures are designed to minimise the risk of errors or misallocation. You must follow all instructions provided when making a manual deposit. If the deposit is not completed, or instructions are not followed within the required timeframe, the deposit address may expire and your funds may not be recognised or credited to your account. In such cases, you will be liable and agree to indemnify Coinstash for any resulting loss.

5.9 Coinstash cannot cancel or reverse any digital asset transactions once they have been broadcasted to the relevant network.

5.10 Coinstash may rectify any error in your Account history at any time, and reserve the right to void, cancel or reverse any transaction involving or deriving from an error, glitch or loophole, or to amend the details of such transaction to reflect what we reasonably consider to be the correct or fair details of such a transaction. You acknowledge and agree that where you execute any transaction with improper intent and/or in the case of an error, glitch or loophole, Coinstash is authorised by you (without any payment or penalty or liability due by Coinstash and provided that such action is in compliance with applicable law) to either:

(a) cancel/void such transaction and treat such transaction as if they had never been entered into; or

(b) amend the price(s) of such a transaction (upon notice from Coinstash to you of the amended price(s)) to reflect the prevailing market price(s) as at the relevant time, as determined by Coinstash by reference to an available source for fair market pricing.

5.11 If Coinstash cancels a transaction pursuant to the rights referred in clause 5.10, Coinstash will reverse any transfers of fiat, digital assets, or reward points (‘Assets’) that have been made to and/or from your Account in connection with such transaction as if that transaction had never taken place.

5.12 If Coinstash amends a transaction pursuant to the rights referred in clause 5.10, Coinstash will confirm the details of the amended terms of the transaction to you in writing through email and will effect such transfers of Assets to and/or from your Account as required to reflect the terms of the amended transaction.

6. Supported Digital Assets and Blockchain Networks

6.1 Coinstash supports a limited range of digital assets and blockchain networks, which may change from time to time. A list of the supported digital assets is published on the Platform. You are solely responsible for ensuring that you transact only in supported assets and their supported blockchain networks on the Platform. Attempted transfer or deposits of unsupported digital assets or blockchain networks may result in permanent loss. Coinstash accepts no liability if you attempt to transfer, store or otherwise facilitate a digital asset, or to use a blockchain network, that we do not support by using our Platform.

6.2 Coinstash reserves the right to add, remove or terminate support of a digital asset and/or blockchain network on the Platform at Coinstash’s sole discretion and for any reason (including but not limited to a primary liquidity provider ceases to support the asset or its network(s); regulatory risk or compliance; the network showing instability, vulnerability to attack; smart contract weakness; evidence of a reasonable suspicion of unethical, fraudulent, or negligent conduct; or for any other reason). Although Coinstash will do its best to inform you in a timely manner before removing a supported asset or blockchain network from the Platform, Coinstash reserves the right to do so without prior notice.

6.3 When removing or suspending one or more blockchain networks, or assets from the list of supported digital assets, we will use reasonable efforts to notify each User holding the asset in advance, meaning that the User will no longer be able to access such assets as part of the Services and will only be permitted to withdraw the assets from the Account. If assets that are no longer supported remain in your Account beyond a specified period notified to you, Coinstash may in its reasonable discretion convert any remaining holdings of a delisted asset into Australian dollars at a commercially reasonable rate and credit the net proceeds (after applicable fees and charges) to your Account.

7. Compliance with the Anti-Money Laundering and Countering Terrorism Financing (‘AML/CTF’) Laws

7.1 Coinstash is registered with the Australian Transaction Reports and Analysis Centre (‘AUSTRAC’) under the applicable AML/CTF laws.

7.2 You must provide any information, documentation, and authorisation we reasonably request to comply with all applicable laws, including but not limited to the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) (‘AML/CTF Act’). You acknowledge and agree that Coinstash may be required to conduct additional checks from time to time to verify your identity and to comply with AML/CTF and other applicable laws, including, but not limited to, requiring a copy of a form of identification and/or proof of residential address.

7.3 You warrant that the information you disclose in this respect is at all times correct, authentic and up to date. You must notify us in writing without delay of any change to any information, documentation, or authorisation previously provided to us, including but not limited to your residency or any other information provided in your application, under the Agreement, or in relation to your Account. You must also submit any supporting information and/or documentation relating to such change we may reasonably require.

7.4 You agree to provide all reasonable assistance in complying with our obligations under the AML/CTF laws and applicable laws. Coinstash reserves the right to suspend, terminate or limit your right to use the Platform and Services (including by imposing trading limits) if you do not assist us with complying with the AML/CTF and applicable laws (until such time that Coinstash has verified your identity) or if the results of Coinstash’s identification process requires us to do so.

8. Fees

Account funding fees

8.1 Coinstash does not charge fees when you fund your Account(s) (in fiat and/or digital assets) by way of:

(a) NPP including PayID and Osko;

(b) digital assets transfer; or

8.2 Coinstash may recover the reasonable costs incurred by the business when you fund your Account(s) by making a card deposit, by way of applying surcharges.

Trade fees

8.3 Coinstash charges a trade fee for each buy, sell and swap transaction on the Platform.

Spread

8.4 In addition to our fees, we may also include a “spread” within our quoted digital asset prices. This spread helps us secure sufficient liquidity to execute your digital asset transactions promptly and reliably. Your continued use of the Services constitutes your express consent to the application of such spread.

Withdrawal fees

8.5 Coinstash does not charge any fees for fiat withdrawals on the Platform.

8.6 Coinstash charges a withdrawal fee at its discretion for digital asset withdrawals as published on the Fees page.

Dishonour fees

8.7 You acknowledge and agree that where a fiat withdrawal is returned or denied by your financial institution for whatever reason, then you are liable for any costs, including banking fees and charges, associated with the dishonoured withdrawal.

Payment of fees

8.8 You authorise us to deduct all applicable fees, charges and other sums that you owe from your Account under the Agreement in accordance with the method of calculation set out on our Fees page.

8.9 If you owe us an amount in one digital asset and do not have sufficient assets in that digital asset, we may deduct the sums owed in another digital asset to effect payment (in which case we will convert the digital asset you hold into the digital asset in which the sums owed to us are denominated (or the fiat currency equivalent), at the rate currently offered on the Platform or at such other commercially reasonable rate as we may determine). In the event that there are insufficient digital assets in your Account, you acknowledge that any amount due and payable from you under this clause is a debt immediately due and owing by you to us in such amount and form (whether in the form of a digital asset or otherwise) as we may determine, acting in a commercially reasonable manner.

8.10 We may make changes to the fees set out in the Fees page on our Platform, which includes introducing new fees and/or charges. If we increase any fee, we will give you reasonable notice in advance of any change being made. If you do not wish to accept the changes, you are free to close your Account in accordance with clause ‎9.2 of the Agreement. If we do not hear from you, we will assume that you have accepted the change and your continued access to or use of the Services will be deemed acceptance of the updated Agreement.

9. Termination of Contract

9.1 The Agreement will continue to apply until terminated by either you or by Coinstash as set out below.

9.2 If you want to terminate the Agreement, you may do so by:

(a) providing Coinstash with 14 days' notice of your intention to terminate; or

(b) closing your Account(s) for all of the Services which you use, where Coinstash has made this option available to you.

9.3 Your notice should be sent, in writing, to Coinstash by emailing [email protected].

Termination with notice

9.4 Coinstash may at any time, terminate the Agreement with you if:

(a) you have breached any provision of the Agreement or intend to breach any provision;

(b) Coinstash is required to do so by law;

(c) you (or you assist a third party to) use, or attempt to use, or we suspect that you are using or attempting to use the Platform and/or the Services or make transactions to perform any illegal activities, including but not limited to, money laundering, terrorism financing, fraud, payment of ransomware, online gambling, or other criminal activities;

(d) your use, or attempted use, of the Platform or Services is outside of our risk appetite; or

(e) the provision of the Services to you by Coinstash is, in the opinion of Coinstash, no longer commercially viable.

Termination without notice

9.5 Subject to local applicable laws and Coinstash’s reasonable discretion, Coinstash reserves the right to discontinue or cancel your Account at any time and may suspend or deny, in its sole discretion, your access to all or any portion of the Platform or the Services without notice if:

(a) you have breached or intend to breach any applicable law;

(b) your conduct impacts Coinstash's name or reputation, or violates the rights of those of another party;

(d) Coinstash is concerned about the security of your Account, including but not limited to us suspecting that you have permitted a third party to gain unauthorised access to your Account, or a third party had gained unauthorised access to your Account; or

(e) we reasonably believe you have used, or attempted to use, the Account or the Services for payment-related purposes in breach of the Agreement.

Account closure notice

9.6 Where your Account is terminated in accordance with clauses 9.2 to 9.4, we will issue you with an Account closure notice. You are required to remove all Assets from your Account prior to final closure. You acknowledge and agree that sending of Assets may not be permitted if termination is resulting from, or is connected with, circumstances described in clauses 9.4 and 9.5. Where you are not permitted to send Assets, you acknowledge and agree that, in order to remove any such Assets from your Account, we will convert (sell) any such digital assets to fiat currency at a commercially reasonable rate.

9.7 You acknowledge and agree that termination of the Agreement or your access to the Platform does not release you from any of your obligations and liabilities that may have arisen or been incurred prior to the date of such termination.

9.8 Termination of the Agreement will be without prejudice to and will not affect any accrued rights, limitation of liability or recourse, indemnities, or any contractual provision which states or implies that they survive termination.

10. Refund Policy

10.1 Coinstash will only provide you with a refund of the fees outlined clause 8.3 in the event they are unable to continue to provide the Services or if Coinstash makes a decision, at its absolute discretion, that it is reasonable to do so under the circumstances (the 'Refund').

11. Copyright and Intellectual Property

11.1 The Platform, the Services and all of the related products of Coinstash are subject to copyright. The material on the Platform is protected by copyright under the laws of Australia and through international treaties. Unless otherwise indicated, all rights (including copyright) in the Services and compilation of the Platform (including but not limited to text, graphics, logos, button icons, video images, audio clips, Platform, code, scripts, design elements and interactive features) or the Services are owned or controlled for these purposes, and are reserved by Coinstash or its contributors.

11.2 All trademarks, service marks and trade names are owned, registered and/or licensed by Coinstash, who grants to you a worldwide, non-exclusive, royalty-free, revocable license whilst you are a User to:

(a) use the Platform pursuant to the Agreement;

(b) copy and store the Platform and the material contained in the Platform in your device's cache memory; and

11.3 Coinstash does not grant you any other rights whatsoever in relation to the Platform or the Services. All other rights are expressly reserved by Coinstash.

11.4 Coinstash retains all rights, title and interest in and to the Platform and all related Services. Nothing you do on or in relation to the Platform will transfer any:

(a) business name, trading name, domain name, trade mark, industrial design, patent, registered design or copyright, or

(b) a right to use or exploit a business name, trading name, domain name, trade mark or industrial design, or

(c) a thing, system or process that is the subject of a patent, registered design or copyright (or an adaptation or modification of such a thing, system or process),

to you.

11.5 You may not, without the prior written permission of Coinstash and the permission of any other relevant rights owners: broadcast, republish, up-load to a third party, transmit, post, distribute, show or play in public, adapt or change in any way the Services or third party Services for any purpose, unless otherwise provided by the Agreement. This prohibition does not extend to materials on the Platform, which are freely available for re-use or are in the public domain.

12. Privacy

12.1 Coinstash takes your privacy seriously and any information provided through your use of the Platform and/or Services are subject to Coinstash's Privacy Policy, which is available on the Platform.

13. General Disclaimer

13.1 Nothing in the Agreement limits or excludes any guarantees, warranties, representations or conditions implied or imposed by law, including the Australian Consumer Law (or any liability under them) which by law may not be limited or excluded.

13.2 Subject to this clause, and to the extent permitted by law:

(a) all terms, guarantees, warranties, representations or conditions which are not expressly stated in the Agreement are excluded; and

(b) Coinstash will not be liable for any special, indirect or consequential loss or damage (unless such loss or damage is reasonably foreseeable resulting from our failure to meet an applicable Consumer Guarantee), loss of profit or opportunity, or damage to goodwill arising out of or in connection with the Services or the Agreement (including as a result of not being able to use the Services or the late supply of the Services), whether at common law, under contract, tort (including negligence), in equity, pursuant to statute or otherwise.

11.3 Use of the Platform and the Services is at your own risk. Everything on the Platform and the Services is provided to you "as is" and "as available" without warranty or condition of any kind. None of the affiliates, directors, officers, employees, agents, contributors and licensors of Coinstash make any express or implied representation or warranty about the Services or any products or Services (including the products or Services of Coinstash) referred to on the Platform. This includes (but is not restricted to) loss or damage you might suffer as a result of any of the following:

(a) failure of performance, error, omission, interruption, deletion, defect, failure to correct defects, delay in operation or transmission, computer virus or other harmful component, loss of data, communication line failure, unlawful third party conduct, or theft, destruction, alteration or unauthorised access to records;

(b) the accuracy, suitability or currency of any information on the Platform, the Services, or any of its Services related products (including third party material and advertisements on the Platform);

(d) the Services or operation in respect to links which are provided for your convenience.

14. Risk disclosure

14.1 You acknowledge and agree that our relationship is not one of trust and confidence sufficient to establish a fiduciary relationship. Our relationship is contractual. Nothing in the Agreement or in any other way that the parties conduct themselves gives rise to any trust.

14.2 You are not obtaining a deposit, cheque or savings account. We are not an authorised deposit taking institution or a bank, nor are we regulated as a financial institution. You are not covered by any investor compensation schemes or insurance including, without limitation, against losses suffered before, during or after our relationship. We may hypothecate, lend, sell, assign, invest, use, pledge, re-pledge, commingle or otherwise deal with any digital assets (including, without limitation, those assets reflected in your online profile). We will use our best endeavours to adopt commercial practices which prevent loss to you. Digital assets reflected in your profile are not legal tender.

14.3 Changes to Australian legislation (and state-based, local and international regulatory action) may adversely affect the digital assets reflected in your profile. Transactions involving digital assets (including where there is fraud) are generally irreversible. Losses that you suffer from fraudulent or accidental transactions may not be recoverable.

14.4 The main ledger maintained by Coinstash may not be sufficient to cover all losses incurred by you. If the losses exceed the funds on the main ledger, you may not obtain the value of the digital assets reflected in your profile. You should carefully consider your financial situation and whether the risks disclosed are suitable for you. This is not an exhaustive summary of all of the possible risks that you may face in engaging with the Services.

14.5 You agree that you have read our Risk Disclosure Statement.

14.6 You acknowledge and warrant that you have read our Risk Disclosure Statement and, as stated in that document, have taken any appropriate action in relation to your use of our Services. To the extent that our Risk Disclosure Statement purports to create rights and obligations between you and Coinstash, and to the extent permitted by law, the terms of that document will be incorporated into and form part of the Agreement. You further acknowledge and warrant that you understand the risks associated with the Services, the Assets, transactions and any other goods, services or products provided in connection to the Platform__. __

15. Consent to Coinstash’s Use of the Digital Assets Reflected in Your Profile

15.1 By using our Services, you acknowledge and agree that you grant us the right to hold digital assets available in your account in our name or in another name, and to lend, invest, use, commingle or otherwise deal with any amount of such digital assets (including, without limitation, those assets reflected in your online profile), separately or together with other assets with all rights of ownership being vested with us, for any period of time, and to use or invest such digital assets at Coinstash’s own risk.

15.2 Coinstash maintains digital assets reflected in our Users’ Accounts on a one-to-one (1:1) basis, correlating directly to the balances displayed in your Account on the Coinstash platform. This 1:1 reflection does not imply Coinstash holds those assets in custody or trust for you.

15.3 In the event that any activities conducted by Coinstash result in losses, to the extent permitted by law, Coinstash will use reasonable endeavours to do anything Coinstash considers reasonably necessary or appropriate to provide the Services to our Users to mitigate any loss incurred, including but not limited to:

(a) make good such losses from the same digital asset on its main ledger;

(b) seek urgent funding from stakeholders and lenders for any amount above that; and

(c) if such funding is not sufficient, Coinstash may apportion the loss across all customer accounts proportionally.

15.4 Despite any other provisions of the Agreement, you acknowledge and agree that we may, in our sole absolute discretion, take any action which we consider necessary or desirable to protect or secure the fiat or digital assets which we hold to the account of our Users, or otherwise which we believe may be in the interests of our Users and other stakeholders, noting that Coinstash does not act as a custodian, trustee, or fiduciary in respect of any digital assets and does not hold assets in trust or on your behalf.

16. Linked Accounts

16.1 Coinstash may allow a primary Account holder (‘Main Account Holder’) to create and manage one or more linked or associated accounts (‘Linked Accounts’). Linked Accounts may be held:

(a) in the same name as the Main Account Holder;

(b) in the name of an entity over which the Main Account Holder has legal authority or beneficial control.

16.2 By creating or using Linked Accounts as a Main Account Holder, you:

(a) warrant and represent that each Linked Account is under your direct control or authority, whether held in your personal name or in the name of an entity they lawfully represent;

(b) must not create or use Linked Accounts for the benefit of or under the name of unrelated third parties;

(c) agrees that all instructions, transactions, and activity through any Linked Account are deemed to be authorised by and binding upon the Main Account Holder;

(d) are solely responsible for configuring access, monitoring use, and ensuring compliance with all applicable laws, regulations, and platform rules.

16.3 You must not use the Linked Account feature:

(a) to facilitate access by persons who are not under your lawful control or authority;

(b) to disguise the identity of an underlying user or beneficial owner;

(d) to enable, assist or participate in fraud, scams, or other illicit activity (including persuading third parties to open Linked Accounts for your use).

16.4 Coinstash reserves the right to monitor, restrict, suspend, or terminate any Linked Account or Linked Account access where Coinstash reasonably suspects that the feature is being used improperly, unlawfully, or contrary to the Agreement.

17. Coinstash Adviser Portal

17.1 Coinstash may, at its sole discretion, offer functionality that allows you to authorise a third party (such as your accountant, auditor, or tax agent) (‘Adviser’) to access limited, read-only information in your Account made available to them on the Adviser Portal for the sole purpose of providing accounting, tax, or other advisory services (‘Adviser Access’).

17.2 You may enable or revoke Adviser Access at any time through your account settings. You are solely responsible for the selection, invitation, authorisation, and ongoing management of any Adviser to whom you grant access. Coinstash does not control, monitor, or assume any responsibility for the Adviser’s conduct once access is granted.

17.3 Adviser Access is restricted to viewing selected transaction history, real time portfolio value information, and downloadable statements and reports on the Adviser Portal, and does not allow the Adviser to place orders, move funds, or modify any account settings of Users’ Account(s).

17.4 Coinstash does not vet, verify, or endorse any Adviser, nor do we make any representation as to their qualifications, conduct, or advice. You assume all risks associated with sharing your data with an Adviser.

17.5 You are solely responsible for any consequences resulting from your Adviser’s access to your account, including any errors, misinterpretation, or unauthorised disclosure of your personal or transactional information. To the extent permitted by law, we disclaim all liability for actions taken or not taken by any Adviser, unless such liability is the direct result of Coinstash’s negligent or wrongful acts or omissions.

17.6 You further acknowledge that any Adviser to whom you grant access may export, download, sync, or otherwise transmit your Account data to third-party platforms, service providers, or software (including but not limited to accounting or tax preparation software). Coinstash disclaims any responsibility or liability arising from or in connection with the sharing, syncing, or onward transmission of your information by an Adviser to any third party, whether authorised by you or not, unless such liability is the direct result of Coinstash’s negligent or wrongful acts or omissions.

17.7 Coinstash may audit Adviser Access logs for compliance purposes and reserves the right to revoke Adviser Access at any time without notice.

17.8 By enabling Adviser Access, you acknowledge that Coinstash disclaims all responsibility for the actions or omissions of Advisers and any third parties they engage, except to the extent caused directly by Coinstash’s negligence.

17.9 Reports or summaries provided through the Platform are for informational purposes only. They are not intended to constitute financial, legal, or tax advice and may not be complete or suitable for official tax related filings. You must verify all information with an appropriately qualified professional.

18. PPSR security interest

18.1 You agree that no security interest or other dealing on the Personal Property Security Register arises under the Agreement or otherwise in our relationship with you. You agree not to, on your own behalf or on behalf of any other person, agree to register, consent to registration or register any type of security interest or other dealing on the PPSR. Further, where a security interest or other dealing is registered, you irrevocably consent to Coinstash’s discharge of such security interest or other dealing.

19. Disclaimer of Warranty

19.1 To the extent permitted by law, the Services are provided without any warranty under the Agreement. You agree that all express or implied conditions, representations, and warranties including, without limitation, any implied warranties or conditions of merchantability, fitness for a particular purpose, satisfactory quality, or arising from a course of dealing, usage, or trade practice, or warranty of non-infringement are disclaimed.

19.2 Without prejudice to the generality of the foregoing paragraph, Coinstash does not provide financial, accounting, legal, or tax advice. Any information generated via the Platform, including downloadable reports, summaries, or transaction exports, is provided for general information only. We make no representation as to the suitability or accuracy of this data for compliance or tax purposes.

20. Limitation of liability

20.1 Coinstash's total liability arising out of or in connection with the Services or the Agreement, however arising, including under contract, tort (including negligence), in equity, under statute or otherwise, will not exceed the resupply of the Services to you.

20.2 You expressly understand and agree that Coinstash, its affiliates, employees, agents, contributors and licensors shall not be liable to you for any direct, indirect, incidental, special consequential or exemplary damages which may be incurred by you and/or your Adviser(s), however caused and under any theory of liability. This shall include, but is not limited to, any loss of profit (whether incurred directly or indirectly), any loss of goodwill or business reputation and any other intangible loss.

21. Indemnity

21.1 You agree to indemnify Coinstash, its affiliates, employees, agents, contributors, third party content providers and licensors from and against:

(a) all actions, suits, claims, demands, liabilities, costs, expenses, loss and damage (including legal fees on a full indemnity basis) incurred, suffered or arising out of or in connection with your use of the Services;

(b) any direct or indirect consequences of you accessing, using or transacting on the Platform or attempts to do so;

(d) any loss suffered by you as a result of any acts or omission of your Adviser(s);

(e) your breach of any law, regulation or rules; and

(f) any damage that you and/or your Adviser cause to the Platform or any other User, person or entity,

but you will not be liable for any loss to the extent that such loss is the direct result of Coinstash’s negligent or wrongful acts or omissions.

22. Dispute Resolution

22.1 Compulsory: You agree to a compulsory dispute resolution process.

If a dispute arises out of or relates to the Agreement, either party may not commence any Tribunal or Court proceedings in relation to the dispute, unless the following process has been complied with (except where urgent interlocutory relief is sought).

22.2 Notice

A party to the Agreement claiming a dispute ('Dispute') has arisen under the Agreement, must give written notice to the other party detailing the nature of the dispute, the desired outcome and the action required to settle the Dispute.

22.3 Resolution

On receipt of that notice ('Notice') by that other party, the parties to the Agreement ('Parties') must:

(a) Within 14 days of the Notice endeavour in good faith to resolve the Dispute expeditiously by negotiation or such other means upon which they may mutually agree;

(b) If for any reason whatsoever, 14 days after the date of the Notice, the Dispute has not been resolved, the Parties must either agree upon selection of a mediator or request that an appropriate mediator be appointed by the President of the Australian Mediation Association or his or her nominee;

(c) The Parties are equally liable for the fees and reasonable expenses of a mediator and the cost of the venue of the mediation and without limiting the foregoing undertake to pay any amounts requested by the mediator as a pre-condition to the mediation commencing. The Parties must each pay their own costs associated with the mediation;

(d) The mediation will be held in Brisbane, Australia.

22.4 Confidential: All communications concerning negotiations made by the Parties arising out of and in connection with this dispute resolution clause are confidential and to the extent possible, must be treated as "without prejudice" negotiations for the purpose of applicable laws of evidence.

22.5 Termination of Mediation: If 3 months have elapsed after the start of a mediation of the Dispute and the Dispute has not been resolved, either Party may ask the mediator to terminate the mediation and the mediator must do so.

23. Venue and Jurisdiction

23.1 The Services offered by Coinstash are intended to be viewed by residents of Australia. In the event of any dispute arising out of or in relation to the Platform, you agree that the exclusive venue for resolving any dispute shall be in the courts of Queensland, Australia.

24. Governing Law

24.1 The Agreement is governed by the laws of Queensland, Australia. Any dispute, controversy, proceeding or claim of whatever nature arising out of or in any way relating to the Agreement and the rights created hereby shall be governed, interpreted and construed by, under and pursuant to the laws of Queensland, Australia, without reference to conflict of law principles, notwithstanding mandatory rules. The validity of this governing law clause is not contested. The Agreement shall be binding to the benefit of the parties hereto and their successors and assigns.

25. Independent Legal Advice

25.1 Both parties confirm and declare that the provisions of the Agreement are fair and reasonable and both parties having taken the opportunity to obtain independent legal advice and declare the Agreement is not against public policy on the grounds of inequality or bargaining power or general grounds of restraint of trade.

26. Severance

26.1 If any part of the Agreement is found to be void or unenforceable by a Court of competent jurisdiction, that part shall be severed and the rest of the Agreement shall remain in force.

Last updated: 20 November 2025

Coinstash Rewards and Coinstash Membership Terms and Conditions

1. Introduction

1.1 These Coinstash Rewards and Coinstash Membership Terms and Conditions ("Terms") govern your participation in and use of the Coinstash Rewards and Coinstash Membership programs.

1.2 These Terms are to be read in conjunction with, and incorporate by reference, the Coinstash User Agreement ("User Agreement"). To the extent permitted by law, the User Agreement applies to Coinstash Rewards and Coinstash Membership as if set out in full in these Terms. If there is any inconsistency between these Terms and the User Agreement, the User Agreement will prevail to the extent of that inconsistency.

2. Coinstash Rewards

General

2.1 Coinstash Rewards is a customer loyalty scheme (“Scheme”, or “Coinstash Rewards”) that awards you with Coinstash loyalty points, Stash Points (“STASH”), if you perform activities on the Coinstash platform by trading and maintaining balances of certain digital assets and participating in eligible promotions. Users can redeem STASH for rewards made available by Coinstash from time to time.

Participating in Coinstash Rewards

2.2 You agree to participate in the Scheme by clicking to participate with an Eligible Account where this option is made available to you by Coinstash in the user interface.

2.3 An Eligible Account is an Account that is an:

(a) Individual; or

(b) Company; and/or

2.4 For the avoidance of doubt, Self-Managed Super Fund (“SMSF”) Accounts cannot enrol in the Scheme.

Earning STASH

General

2.5 The Scheme allows you to earn STASH only in relation to:

(a) eligible transaction (buy, sell, swap) of digital assets made on the Platform; and/or

(b) maintaining balances of eligible digital assets in your Account; and/or

(c) eligible promotions by Coinstash from time to time, including offers, or contests, subject to the specific terms of each promotion.

Earning STASH from trading

2.6 You can earn STASH from performing eligible transactions (i.e. buy, sell or swap) on the Platform.

2.7 The amount of STASH that is awarded from eligible transactions depends on your Account’s membership tier in Coinstash Membership and the transaction volume of digital assets traded in your Account.

2.8 Before you confirm a transaction (i.e. buy, sell or swap), you will be shown the amount of STASH that you will earn from completing the transaction. STASH will be credited to your Account’s points balance immediately upon completion of the trade.

Earning STASH from maintaining digital asset balances

2.9 Accruing STASH: You can earn and accrue STASH on a weekly basis by way of maintaining balances of eligible digital assets in your Account. The amount of STASH that is accrued weekly is an estimated amount based on a formula to be determined by Coinstash from time to time.

2.10 For the avoidance of doubt, STASH cannot be accrued or earned on fiat balances in your Account.

2.11 Your accrued STASH balance is displayed as “Pending” until such time it is credited to your points balance.

2.12 Adding balances: When you deposit eligible digital assets to your Account, STASH will begin to accrue at the Accrual Time after a 24 hour pause. STASH that is accrued and allocated this way will be credited to your points balance weekly on Tuesday at approximately 00:15 UTC time.

2.13 Reducing balances: If you reduce the balance of your eligible digital assets held in your Account by any amount (“Reducing Amount”) before the accrued STASH is credited, you will forfeit the STASH that has accrued on the Reducing Amount. Reducing Amounts include, without limitation, amounts of eligible digital assets that have been sold, swapped, placed into limit orders or other locked states, transferred, or withdrawn from your Account.

2.14 Adjustments to your STASH balance: Coinstash may, at its sole discretion, reverse and debit your Account’s points balance if the eligible transactions are not completed, or are reversed or cancelled for any reason, including, but not limited to, suspected fraud, abuse, or a breach of these terms and conditions. This may be done with or without notice to you. This may result in a negative balance in your points account, for which you remain fully liable. The Company reserves the right to recover any such amounts from you, including but not limited to debiting future STASH credited to your points account.

2.15 Unverified Accounts: Accounts that have not completed verification to the satisfaction of Coinstash as per the Agreement, may earn STASH in limited circumstances. However, such Users cannot redeem their STASH for selected digital assets, or otherwise deal with digital assets using their STASH, until their Accounts have been fully verified to the satisfaction of Coinstash. STASH earned by unverified Accounts may automatically expire ninety (90) days after being credited if the User has not completed Account verification within that period.

Redeeming STASH for rewards

2.16 You may redeem the STASH earned through Coinstash Rewards for selected digital assets, entries to promotions made available by Coinstash from time to time, or goods or services through the merchandise store. Your Account must remain active on the date that STASH would be credited to you for you to receive the applicable STASH.

2.17 All STASH must be earned and rewards must be redeemed in accordance with these Terms. Coinstash reserves the right to amend any redemption offer at any time. Coinstash Rewards does not provide you with the ability to participate in profit from activities such as on-lending, staking or arbitrage. Coinstash Rewards does not lock your digital assets to the Account from which STASH/rewards are earned. You may withdraw any digital asset on which STASH are earned at any time. There is no hold on the account which earns Coinstash Rewards and any withdrawal by you will be processed in accordance with Coinstash’s usual turnaround times (i.e. less than 24 hours). STASH cannot be bought, sold or dealt with other than through redemption of the rewards from Coinstash.

Expiry of balances due to Inactivity

2.18 Your STASH balance will expire if no earning or redemption activity occurs on your Account for a continuous period of six (6) months. To prevent expiry, you must earn or redeem STASH at least once within each six (6) month period. For the avoidance of doubt, STASH earned from maintaining digital asset balances do not constitute eligible activity for the purposes of preventing STASH expiry.

2.19 Coinstash will ensure that you are notified in a prominent and appropriately targeted way about the approaching expiry of your STASH balance, detrimental changes to the rate at which you earn STASH or the value of your STASH.

2.20 You may be able to also earn STASH from promotional prizes, Coinstash’s referral program, long-term rewards and platform-based promotions, as introduced by Coinstash from time to time. Coinstash may charge a redemption fee for each STASH conversion. Where necessary, Coinstash will apply a reasonable exchange rate for each STASH conversion.

2.21 Coinstash Rewards is a free customer loyalty scheme as described under the Australian Securities & Investments Commission Regulatory Guide 185. Coinstash has designed these terms and conditions in consideration of the Australian Competition & Consumer Commission’s guidance on customer loyalty schemes. Coinstash Rewards’s main purpose is to promote spending on Coinstash’s goods and Services. STASH are allocated a measure of value because they can be used to acquire rewards which comprise Coinstash goods and services. STASH may be used to make payment or part payment for goods and services available as rewards. STASH are not a derivative or synthetic asset. Coinstash Rewards does not create any marketplace for the points other than by redemption of rewards. By participating in Coinstash Rewards, you do not intend for Coinstash to use the digital assets traded or held in your designated account(s) to generate a financial benefit or act as an investment for you.

2.22 Coinstash reserves the right to change the terms and conditions of Coinstash Rewards at any time without notice, including the right to discontinue or change the benefits of Coinstash Rewards. If Coinstash makes any material changes to these terms and conditions or terminates Coinstash Rewards, Coinstash may notify you by email. Coinstash may periodically update the rate of rewards and any rate changes are made at Coinstash's sole discretion.

3. Coinstash Membership

3.1 Coinstash Membership provides you with promotional benefits such as volume-based trading fee discounts, tiered STASH earn rates in Coinstash Rewards, preferential access to offers, or other incentives determined by Coinstash from time to time.

3.2 You agree to participate in Coinstash Membership by creating an Account with no option to opt out, unless your access is removed at Coinstash’s reasonable discretion. Coinstash may, at its sole reasonable discretion, choose to offer or not offer Memberships to you.

Membership tiers and benefits

3.3 Coinstash may introduce, vary, suspend, or discontinue one or more Membership tiers at any time and at its sole discretion. Each Membership tier may confer specific benefits.

3.4 You may choose to receive either a reduced trading fee, or a STASH benefit as part of Coinstash Rewards. The reduced trading fee will apply by default unless the User elects otherwise, where this option is made available to you by Coinstash in the user interface. Membership benefits may apply to both digital asset and fiat transactions or balances, and will only become available once the Member’s Account has been fully verified to the satisfaction of Coinstash as per the Agreement.

Term and renewal

3.5 Memberships are allocated and renewed on a calendar-month basis. A User who registers for an Account partway through a calendar month will receive a trial Membership valid until the end of the following calendar month.

3.6 Coinstash may, in its discretion, renew, extend, upgrade, downgrade, or terminate any Membership tier or status at any time.

3.7 The Membership Program may operate in conjunction with the Coinstash Rewards program. Membership benefits may enhance, supplement, or otherwise interact with Coinstash Rewards benefits, including but not limited to increased STASH earning rates or eligibility for STASH back. Participation in the Membership Program does not affect a Member’s separate participation in Coinstash Rewards, unless expressly stated otherwise by Coinstash.

3.8 Coinstash reserves the right, at its sole discretion, to modify, suspend, or withdraw any aspect of the Membership Program, including eligibility criteria, tiers, benefits, and terms, at any time without prior notice. If Coinstash makes any material changes to these terms and conditions or terminates Coinstash Membership, Coinstash may notify you by email. Any amendment will take effect upon publication on the Platform. Membership benefits are promotional in nature and do not create any contractual entitlement or guarantee to any specific rate, benefit, or reward.

4. Suspension and Termination of Participation

4.1 If Coinstash reasonably suspects that:

(a) there has been fraudulent activity on, or in connection with, an Account;

(b) a User has committed a material breach of any of the Agreement, and/or the Terms; or

(d) a User has failed to pay any money, digital assets or STASH due to Coinstash by the due date, whether intentionally or otherwise,

then Coinstash may immediately suspend the relevant User’s participation in Coinstash Rewards and/or Coinstash Membership to prevent any further fraudulent activity, breach or misuse. The User’s Account may still accrue STASH, however no STASH can be redeemed during the suspension period. Coinstash will notify the User of the suspension as set out in clause 4.2.

4.2 If Coinstash suspends an Account under clause 4.1, it will notify the relevant User of the suspension and the reason for the suspension. If the User is reasonably suspected to have facilitated or been involved in the specified activity, the User will then have fourteen (14) days to respond to the notice by providing an explanation for the specified activity, rectifying the identified breach (where possible) and providing any reason why Coinstash should remove the suspension and not take any further action. Coinstash will review any response provided by the User and determine, acting reasonably, whether the response is acceptable.

4.3 Coinstash will advise the User of the outcome of the process in clause 4.2, which may include Coinstash:

(a) removing the suspension with no further action; or

(b) acting reasonably taking one or more of the following actions;

(i) reverse or cancel some or all of the STASH or membership status, or both;

(ii) cancel, suspend or refuse to honour any STASH or rewards, membership benefits or both, that have been redeemed by or provided to the User; or

(iii) terminate the User’s access to Coinstash Rewards and/or Coinstash Membership.

5. General

5.1 Interpretation: In these Terms, unless the contrary intention appears:

(a) the singular includes the plural and vice versa;

(b) a reference to “include” or “including” means “including but not limited to”.

5.2 Governing Law: the Terms, Coinstash Rewards and Coinstash Membership are governed by and will be construed in accordance with the laws of the State of Queensland, Australia. In any action or other legal process with respect to any matter or thing in connection with these Terms, Coinstash Rewards and/or Coinstash Membership, the User submits to the jurisdiction of the State of Queensland.

5.3 Nothing in these Terms affects any rights a User may have and which by law cannot be excluded, including under the Competition and Consumer Act 2010 (Cth) and under State and Territory consumer protection legislation.

5.4 If part or all of any clause of these Terms is illegal, invalid or unenforceable then it will be read down to the extent necessary to ensure that it is not illegal, invalid or unenforceable, but if that is not possible, it will be severed from these Terms and the remaining provisions of these Terms will continue to have full force and effect.

5.5 Coinstash recommends that Users consult their accountant or tax adviser to ensure that they understand possible tax implications, if any, related to Coinstash Rewards and Coinstash Membership.

Last updated: 26 November 2025

Risks Disclosure Statement

1. Purpose of This Disclosure

This document outlines key risks associated with trading, transacting in and otherwise using cryptocurrency tokens on the platform provided by TWMT Pty Ltd ABN 76 621 581 584 (“TWMT”, “Coinstash”, “we”, “us”, or “our”). This risk disclosure is not exhaustive and is intended to provide you with a general outline of the risks involved with using Coinstash’s Services, and may not capture every possible risk. You may wish to seek independent financial advice to determine if engaging in cryptocurrency trading activities aligns with your financial objectives and risk tolerance. You should always do your own research and consider whether you are willing to accept any associated risks before using Coinstash’s Services.

This document should be read with the Coinstash User Agreement. By using Coinstash’s Services, you acknowledge that you have read, understood, and accepted these risks.

We may update this Risk Disclosure Statement from time to time to reflect changes in our services, the law, or the risks you should be aware of. We do this to help keep you informed and protected. Whenever there’s a significant change, we’ll do our best to let you know — but we also encourage you to check this page regularly so you’re always up to date.

2. General Risks of Cryptocurrency Investments

High-risk investment: Investing in cryptocurrencies is highly speculative. Some cryptocurrencies may lack intrinsic or underlying value. Their price may fluctuate significantly or become worthless without warning, potentially resulting in substantial losses or even the complete loss of your investment. You should only invest funds you can afford to lose.

Volatility: Cryptocurrency prices fluctuate significantly and unpredictably due to market dynamics, technological developments, regulatory changes, and macroeconomic factors.

Market liquidity: Cryptocurrencies may have limited liquidity, affecting your ability to buy or sell tokens at desired times or prices. In illiquid markets, spreads can be wide, making transactions costly or unviable. In more extreme cases, you may be unable to exit investments on your preferred terms or at all.

Price and market changes: Regulatory actions, network disruptions, or technological adjustments (i.e. forks or rollbacks) may affect cryptocurrency values and your ability to legally hold or deal in the relevant cryptocurrency. The price formation of crypto assets is often not transparent. There is a market risk that you will not receive a fair or market-reflective price when buying or selling cryptocurrencies due to factors beyond Coinstash’s control, however, Coinstash will always seek to offer competitive pricing.

Systemic and systematic risks: Cryptocurrency markets face systemic risks (market wide collapse potential) and systematic risks (overall market risks due to economic or technological factors), which could lead to an adverse effect to the value or utility of the token.

Stablecoin risk: Tokens pegged to fiat currencies (e.g., AUD, USD) may lose their peg or suffer from failure of the underlying reserve or issuer. Coinstash does not guarantee the price stability, liquidity, or redeemability of any stablecoin listed on its platform.

3. Platform Risks

Service availability: Coinstash reserves the right to suspend or discontinue support for specific tokens, which could limit your access or ability to withdraw tokens. This may result in you not being able to deal in tokens on your preferred terms or at all.

Third-party service dependencies: Coinstash relies on third-party service providers (such as custodians, payment processors, and wallet infrastructure providers). These parties may experience operational delays, outages, or insolvency. If any such service fails, it may impact your ability to access funds, complete transactions, or recover assets. Coinstash does not guarantee the ongoing availability or solvency of third parties and is not liable for any associated loss.

Account security: You are responsible for safeguarding account credentials. Coinstash cannot reverse unauthorised or fraudulent transactions, and losses from such events may not be recoverable. Transactions are irreversible once executed.

No financial, legal, or tax advice: Coinstash does not provide financial, investment, legal, or tax advice. Nothing on the platform or in communications from Coinstash should be considered a recommendation or personal advice. It is your sole responsibility to determine the suitability of cryptocurrency investments and/or Coinstash’s Services for your personal financial and tax situation. Coinstash does not make any offers, recommendations or invitations for you to deal in digital assets or use any Coinstash Services, and does not take into account your personal circumstances, financial situation, needs or objectives. Before making any financial decision, you should carefully assess your financial situation and capacity, seek professional advice when needed, and only use funds that you can afford to lose.

External Event Risk (Force Majeure): Events outside of Coinstash’s control, including cyberattacks, regulatory shutdowns, or infrastructure outages may disrupt access to our platform or delay execution of your transactions. In such circumstances, Coinstash may not be liable for any resulting losses, delays, or service interruptions, consistent with applicable law and our Terms & Conditions.

4. Technological and Operational Risks

Blockchain technology: Cryptocurrency networks may be vulnerable to cyber-attacks, network congestion, hacking, or other technical failures that could have a materially adverse impact on the token’s value or utility.

Protocol and network risks: Changes to blockchain protocols (i.e. forks or rollbacks) can alter the value or functionality of tokens.

Transaction irreversibility: Cryptocurrencies are built on immutable blockchains and cryptocurrency transactions are generally irreversible. Tokens sent to an incorrect address may be permanently lost and are unrecoverable by Coinstash.

AML/CTF obligations: Coinstash is required to screen clients and transactions for risks of money laundering, terrorist financing, or other illegal activities. Transfers may be delayed or cancelled if flagged, without explanation provided.

Internet and connectivity issues: The Coinstash platform relies on internet-based infrastructure, which may be disrupted by technical issues or connectivity failures. During such times, you may be unable to transact or otherwise deal with tokens, potentially leading to losses.

5. Regulatory and Legal Risks

Legal uncertainty: The regulatory status of cryptocurrencies varies by jurisdiction, and tokens are not recognised as legal tender in Australia. This variability can impact a token’s value, usage, or legal standing in a particular region. Future regulations in Australia, which are still developing, may further impact token value and your ability to hold or otherwise trade tokens. Crypto exchanges and service providers may not be subject to the same level of regulatory supervision or scrutiny as other traditional forms of financial exchanges or service providers. Investing in cryptocurrencies is very different to trading traditional financial products, and is not currently subject to the same level of regulatory oversight or compliance obligations.

Jurisdictional restrictions: Coinstash’s services may not be available in certain regions or to specific individuals. It is your responsibility to comply with applicable laws and restrictions in each jurisdiction in which you access Coinstash’s platform.

Counterparty risk: Engaging in cryptocurrency transactions may expose you to counterparty risk, where third parties (including Coinstash) may fail to meet contractual obligations. Failure to meet these obligations can lead to loss of funds or inability to engage with Coinstash as expected.

Fraud and Scam risk: Customers should be aware of the high risk of scams and fraudulent schemes in the digital asset sector. These include so-called “pig butchering” scams, investment frauds, fake support impersonations, and social engineering attacks. Coinstash will never contact you via unofficial channels or request remote access to your device. If you are induced or coerced to buy digital assets under false pretences, you may irreversibly lose your funds. TMW may delay or refuse a transaction if there is a reasonable suspicion of scam activity, consistent with our obligations under the applicable AML/CTF Act laws.

Different tax regulation: Different jurisdictions may impose specific tax rules and treatments on crypto assets. You must ensure you understand the tax implications of your activities, and always comply with all reporting and payment obligations applicable to you. If you are unsure of your obligations, you should consider seeking professional tax advice.

6. Holding of Crypto Assets and Security Risks

Custody risks: Some tokens on the Coinstash platform may be held by third-party platforms. If such platforms are subject to unauthorised access or hacking, this could affect Coinstash’s ability to deliver tokens that are reflected in your account(s) or you are otherwise entitled to.

Cybersecurity threats: Coinstash faces cybersecurity risks, including hacking and fraud. Cyber-attacks, extreme market conditions, or other operational or technical difficulties could result in the immediate halt of transactions either temporarily or permanently. The nature of crypto assets may entice an increased risk of fraud or cyber-attack, including (but not limited to) rollback attacks or blockchain reorganisations. These types of attacks, if successful, could result in losses for customers in some or all of a particular cryptocurrency that may not be recoverable.

Crypto assets and fiat currency: you have the right to withdraw any crypto assets and fiat currency reflected in your account(s), subject to the Coinstash User Agreement and the risks outlined in this document. Coinstash operates on a fully reserved basis and always holds 100% of customer assets reflected in the accounts. However, Coinstash does not hold any assets in trust or custody for you, and neither Coinstash nor its providers act as your custodian or fiduciary. Your account is not a deposit, savings or checking account, and it is not covered by any government backed deposit insurance scheme (such as the Financial Claims Scheme), statutory compensation scheme, or any other form of insurance against losses. Assets reflected in customer’s account(s) may not be held in segregated clients accounts or separate from Coinstash’s own assets. In the event of Coinstash insolvency, you may be treated as an unsecured creditor and may not recover some, or all, of your funds or assets. With respect to digital assets dealt with used by Coinstash:

(a) you may not be able to exercise certain rights of ownership;

(b) Coinstash may receive compensation in connection with dealing with the digital assets in its business to which you have no claim or entitlement;

(c) counter-parties may default partially or entirely which can result in partial or total loss of the digital assets reflected in your Account online profile;

(d) Coinstash may use digital assets reflected in your Account as collateral to borrow other digital or fiat assets in different jurisdictions around the world; and

(e) Coinstash may lend your coins to exchanges and other counterparties.

7. Transactional Risks

Incorrect transfer details: Cryptocurrency transactions are irreversible, and errors in the recipient address or network selection may lead to a permanent loss of tokens. Double-check all details before confirming transactions.

Unauthorised transactions: If your account is compromised, unauthorised transactions may occur. Coinstash assumes all wallet instructions come from you, so ensure account security. Transactions are final and cannot be reversed or recovered once made.

Non-regulated transfer risk: Cryptocurrency transactions differ from bank transfers and lack consumer protections. Mistaken payments cannot be reversed, and Coinstash is not liable for errors or misdirected transfers.

Network congestion risk: High transaction volumes can lead to delays and increased fees. During congestion, transaction fees may consume a larger portion of the transfer value, potentially resulting in the recipient receiving less than the intended amount.

Non-supported cryptocurrencies and blockchains: Transfers are only available for supported cryptocurrencies and blockchains. Confirm compatibility before initiating transfers. Attempted transfer or deposits of unsupported cryptocurrencies or on unsupported blockchains may result in permanent loss.

Last updated: 20 November 2025

Updated on: 26/11/2025

Was this article helpful?

Thank you!