LucasLink – Payment Policy

Last updated: [21 October 2025]
Legal entity: [LucasLink, powered by Lucas Group Solutions] (ABN 85 302 985 291) (“Lucaslink”, “we”, “us”, “our”)
Contact: [hello@lucaslink.com.au] | [PO BOX 945, HiIlarys, WA, 6923]

Important: LucasLink is not a digital currency exchange (DCE). We accept select digital assets only as payment for our own services (merchant acceptance). We do not provide exchange, conversion, brokerage, remittance, or custody services. Payments are final once confirmed on-chain. See our Terms of Service and our Volatility & Finality Policy.

1) Scope

This Policy governs how you pay us for services (e.g., web builds, integrations, consulting), how we price and reconcile invoices, what happens if something goes wrong, and our compliance settings (AML/CTF, KYC). It applies together with our Terms of Service, Privacy Policy, and Volatility & Finality (no refund) Policy.

2) Pricing & currency

• AUD as base. All pricing is set in Australian dollars (AUD) unless stated otherwise.
• Digital-asset display. If you choose to pay in a supported digital asset, the payable amount is calculated from AUD using a reputable reference price at the time you initiate payment and is subject to a quote window (e.g., 10–20 minutes). Expired quotes are recalculated.
• GST. Prices will be inclusive of GST unless noted. Applicable taxes are added to your invoice.

3) Accepted payment methods

• Crypto (merchant acceptance only): We may accept [BTC/ETH/XRP] to our nominated wallet address(es).
• Other methods: Only if expressly agreed in writing.
  We do not accept cash, cheques, or third-party custodial transfers.

4) Quotes, invoices & due dates

• Quotes/Proposals. Scope, deliverables, and pricing are set out in your invoice
• Invoicing. Unless otherwise agreed:
  • Fee: Entire fee is due upfront, unless otherwise expressly agreed in writing
• Late payment. We will not start our services until our invoice has been paid in full to our nominated wallet, and is recorded on the blockchain

5) Paying in digital assets (how it works)

• Initiation & address accuracy. Always confirm our exact wallet address and network before sending. We aren’t responsible for payments sent to the wrong address, tag, or network.
• Quote window & confirmations. The digital-asset amount is locked when you initiate payment within the quote window and becomes binding when your transaction reaches the minimum confirmations we specify (typically 1–6 depending on network).
• Network (gas) fees. You are responsible for network fees; include enough to confirm timely.
• Underpayment. If the net received amount is short, you must top-up to meet the AUD invoice.
• Overpayment (no returns). If you overpay, we do not send crypto back or refund in any currency. At our discretion we may:
  • apply the surplus as a credit note to your account for future services, or
  • absorb it via scope additions of equivalent value.
• Finality & no chargebacks. Confirmed blockchain payments are irreversible. We cannot cancel or recall them.

5A) Regulatory Status – Merchant Acceptance Model

LucasLink conducts its business in accordance with Australian law, including the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) (“AML/CTF Act”).
We operate under a merchant-acceptance model and do not provide exchange, remittance, brokerage, conversion, or custody services.
Accordingly, our activities fall outside the definition of a “digital currency exchange” (DCE) as set out in section 5 of the AML/CTF Act.

6) We are not an exchange / not a DCE

• We do not exchange crypto↔fiat or crypto↔crypto, do not custody client funds, and do not remit funds on your behalf.
• We never return digital assets as “refunds” or otherwise. Handling over/under-payments via credits/scope adjustments ensures we remain a merchant-acceptance business, not a DCE.

7) Digital Asset Value and Volatility

• Digital-asset prices can move quickly. Volatility risk is yours from initiation until confirmation.
• We don’t hedge, peg, or stabilise prices and don’t manage market exposure for you.
  See our Digital Asset Volatility & Finality Policy for details.

8) Payment Finality and No Refunds

• No refunds. Payments (including crypto) are final and non-refundable. We do not provide AUD/fiat refunds or crypto returns.
• Credits only. Where appropriate (e.g., scope reduction), we may issue a credit note for future LucasLINK services.
• ACL rights preserved. Nothing here limits your non-excludable rights under the Australian Consumer Law (ACL). Where permitted, our remedy for services is re-supply or service credit. If a refund is legally unavoidable and no other remedy applies, it will be made only in the same digital asset to the originating wallet, net of network fees—this does not constitute an exchange service.

9) Chargebacks & disputes

• Bank disputes. If you lodge a bank dispute/chargeback, contact us at [hello@lucaslink.com.au] with your invoice number and details.
• Crypto disputes. Provide the transaction hash, sending address, time stamp, and invoice.
• Resolution window. Please raise billing disputes within 7 days of payment confirmation; we’ll investigate promptly.

10) AML/CTF & KYC

• We operate a risk-based approach consistent with Australian AML/CTF expectations and our merchant model.
• For large invoices or higher-risk scenarios (e.g., unusual patterns, sanctions exposure), we may require KYC (e.g., identity/beneficial owner verification, sanctions/PEP screening) before accepting payment or continuing work.
• If you don’t provide requested information, we may decline or suspend services or payment acceptance.
• We maintain AML/CTF records for at least 7 years and disclose information to authorities where required by law.

• involves fraud, illicit proceeds, sanctions-listed persons/countries, or terrorism financing;
• would breach law, our risk threshold, or this Policy.

12) Ownership & custody

• You must send crypto from a wallet you control; we do not accept payments via custodial third parties unless pre-approved.
• We do not hold client assets or balances on account; any credits are accounting credits for future services only.

13) Protocol risks & forks

We don’t control blockchain networks. Congestion, re-orgs, forks, or protocol changes can affect timing and recognition. Unless expressly stated, we do not support forked/airdropped assets.

14) Data & privacy

We record payment references (e.g., transaction hashes and paid wallet addresses) for reconciliation and compliance. We handle personal information per our Privacy Policy and may use vetted third-party providers (e.g., KYC, analytics, accounting).

15) Liability

Subject to your non-excludable ACL rights:

• We aren’t liable for indirect or consequential loss, loss of profits, data, or opportunity.
• For payment matters, our aggregate liability is limited to AUD [1,000] or the amount you paid to us for the relevant invoice in the 3 months prior, whichever is greater.

16) Changes

We may update this Policy periodically. Changes are effective from the “Last updated” date. Continued use of our services after updates means you accept the revised Policy.

17) Governing law

This Policy is governed by the laws of Western Australia and the Commonwealth of Australia. The courts of Western Australia have non-exclusive jurisdiction.