terms

Effective: 1 September 2025

1. Definitions

In these Terms and Conditions:

"AFSL" means Australian Financial Services Licence
"Fund" means the Moneybox Credit Fund, issued by Cache (RE Services) Ltd (ACN 616 465 671, AFSL 494 886), operated by Moneybox IM Pty Ltd (ACN 687 133 124, AR 001317023)
"Moneybox", "we", "us", "our" means Moneybox Credit Fund
"Platform" means the website moneyboxinvest.com and the Moneybox mobile application
"Terms" means these Terms and Conditions
"Units" means units in the Fund
"You", "your" means the user of the Platform

2. Overview

Moneybox Credit Fund ("Moneybox", "we", "us", "our"), managed by Moneybox IM Pty Ltd (ACN 687 133 124, AR 001317023) operates the Platform. By accessing and using the Platform, you agree to be bound by these Terms. If you do not accept these Terms, you must not use the Platform.

Important: Moneybox (operated by Moneybox IM Pty Ltd (ACN 687 133 124, AR 001317023)) is not licensed to provide financial services and acts solely as a technology platform provider. All financial products are issued by Cache (RE Services) Ltd (ACN 616 465 671, AFSL 494 886).

3. General Information Only

All content and information available on the Platform is general in nature and does not constitute personal financial advice. It does not take into account your individual objectives, financial situation, or needs. Before making any investment decision, you should:

Read the relevant Product Disclosure Statement (PDS)
Review the Target Market Determination (TMD)
Consider the Financial Services Guide (FSG)
Obtain independent financial advice tailored to your circumstances

4. Legal and Regulatory Framework

This Platform complies with relevant Australian laws including:

Corporations Act 2001 (Cth)
ASIC Regulatory Guide 234
Privacy Act 1988 (Cth)
Spam Act 2003 (Cth)
AML/CTF Act 2006 (Cth)
Australian Consumer Law

Cache (RE Services) Ltd (ACN 616 465 671, AFSL 494 886) is the responsible entity for the Fund and the entity authorised to issue Units. Moneybox IM Pty Ltd (ACN 687 133 124, AR 001317023) provides the digital platform technology only and is not responsible for investment decisions, fund management, or compliance with financial services regulations.

5. Eligibility and Residency

The Platform and associated investment services are available to Australian residents only. By accessing the Platform, you confirm that you:

Are an Australian resident
Are aged 18 years or older
Have the legal capacity to enter into these Terms
Will provide satisfactory identity verification when required

6. Access and Use of the Platform

Moneybox grants you a non-exclusive, revocable license to use the Platform for personal, lawful, and non-commercial purposes. You must not:

Use the Platform for any unlawful purpose
Tamper with, reverse-engineer, or attempt to gain unauthorised access to any part of the Platform
Use any automated tools, bots, or crawlers to access the Platform
Share your login credentials with third parties
Use the Platform on behalf of others without proper authorisation

7. Investment Services

The Platform enables you to make investments in the Fund issued by Cache (RE Services) Ltd (ACN 616 465 671, AFSL 494 886). Key investment terms:

Target Return: RBA Cash Rate + 5.00% p.a. (indicative only, not guaranteed).
Risk Warning: This target return is speculative and subject to significant market volatility. You may receive returns substantially below this target or lose some or all of your investment.
Past Performance: Past performance is not a reliable indicator of future performance.
Fund Structure: Your funds will be pooled with other investors and held on trust by a qualified custodian.
Beneficial Ownership: You retain beneficial ownership of Units allocated to your account.
Rebalancing: The responsible entity may automatically rebalance investments in accordance with the Fund's investment strategy.

Investment Rights Limitations: By investing through the Platform, you acknowledge that you may not have access to certain rights that would be available if you invested directly in underlying securities, including but not limited to:

Voting rights in respect of underlying investments
Direct shareholder communications
Certain corporate actions or entitlements
Individual tax reporting for underlying holdings

8. Contributions and Withdrawals

Minimum Investment: $5,000 (this amount has been set considering the Fund's target market as defined in the TMD. Also, for more information, see the PDS.)
Minimum Investment Period: 12 months from the initial investment date.
Cooling-off Period: 14-day cooling-off period applies to initial investments only. During this period, you may withdraw your investment without penalty. This right applies only to your initial investment and does not apply to subsequent contributions.
Investment Processing: Investment orders will be processed on the next business day following receipt of cleared funds in the custodian account, or as soon as reasonably practicable thereafter.
Withdrawal Processing: Withdrawals may take up to 5 business days to process after the minimum investment period expires.
Withdrawal Restrictions: Withdrawals may be suspended in certain market conditions as outlined in the PDS.

9. Fees and Costs

All applicable fees are disclosed in the PDS, including:

Platform fees charged by Moneybox
Management fees charged by the responsible entity
Custodial and third-party service fees

Fee Changes: Moneybox reserves the right to change its platform fees. We will provide at least 30 days' written notice before any new or increased fees take effect. You may close your account without penalty during this notice period.

10. Privacy and Data Security

Moneybox handles your personal information in accordance with our Privacy Policy and the Privacy Act 1988 (Cth). Our security measures include:

Industry-standard encryption for data transmission and storage
Multi-factor authentication (MFA)
Secure cloud hosting with Australian data residency
Regular security audits and penetration testing

Data Breach: In the event of a data breach that may cause serious harm, we will notify you and relevant authorities as required by law.

While we implement robust security measures, we cannot guarantee complete security or uninterrupted access to the Platform.

11. Third-Party Providers

Moneybox partners with regulated and trusted providers for:

Custodial services (regulated under ASIC requirements)
Payment processing gateways
Identity verification services
Cloud hosting and infrastructure
Professional indemnity insurance

These relationships are governed by appropriate service agreements and privacy protections.

12. Anti-Money Laundering and Customer Identification

As required under the AML/CTF Act 2006, we will:

Verify your identity before providing services
Monitor transactions for suspicious activity
Report certain transactions to AUSTRAC as required by law
Maintain records in accordance with regulatory requirements

You must provide accurate identification documents and information when requested.

13. Investment Risks and Disclaimers

Important Risk Warning: All investments carry risk, including:

Capital Risk: You may lose some or all of your invested capital
Market Risk: Investment values fluctuate with market conditions
Liquidity Risk: You may not be able to withdraw funds immediately
Regulatory Risk: Changes in laws may affect investment returns
Counterparty Risk: Third-party service providers may fail to perform

No Guarantees: No guarantee is made regarding:

Investment performance or returns
Capital preservation
Meeting the target return objective

Not Personal Advice: Moneybox does not provide personal financial advice. All information is general only.

14. Platform Availability and Force Majeure

While we aim to provide continuous access, we may suspend or restrict Platform access for:

Scheduled maintenance
Security updates
System upgrades
Regulatory compliance
Operational reasons

Force Majeure: We are not liable for delays or failures caused by circumstances beyond our reasonable control, including natural disasters, cyber attacks, government actions, or infrastructure failures.

15. User Obligations

You agree to:

Provide accurate, complete, and up-to-date information
Maintain confidentiality of your login credentials
Comply with all applicable laws and regulations
Notify us immediately of any unauthorized account access
Keep your contact details current

Account Suspension: We may suspend or terminate access if we reasonably believe you have breached these obligations.

16. Direct Debit Service Agreement

For the full terms governing your direct-debit payments—including timing, variations, failed payments and dispute procedures—please refer to our Direct Debit Request Service Agreement.

17. Variation of Terms

We may modify these Terms from time to time. Changes will be notified by:

Email to your registered address
Prominent notice on the Platform
Push notification through the mobile application

Material Changes: For material changes affecting your rights, you will have 30 days to object or close your account without penalty.

Deemed Acceptance: Continued use of the Platform after the notice period constitutes acceptance of revised Terms.

18. Account Termination

Your Right to Terminate: You may close your account at any time by contacting our support team.

Our Right to Terminate: We may suspend or terminate your access if:

You breach these Terms
We suspect fraud, misuse, or illegal activity
Required by law, regulation, or court order
We cease operating the Platform (with reasonable notice)

Effect of Termination: Upon termination, we may sell your investments and return proceeds to your nominated bank account, subject to applicable fees and market conditions.

19. Intellectual Property

All content, software, trademarks, and logos on the Platform are owned or licensed by Moneybox. You may not use, reproduce, modify, or distribute any part of the Platform without our written consent.

Limited License: We grant you a personal, non-transferable license to use the Platform solely for its intended purpose.

20. Limitation of Liability

Consumer Law: Nothing in these Terms excludes, restricts, or modifies rights or remedies available under the Australian Consumer Law or other non-excludable statutory protections.

Liability Exclusion: Subject to non-excludable statutory rights, Moneybox excludes liability for:

Indirect, consequential, or special damages
Loss of profits, revenue, or business opportunities
Investment losses or poor investment performance
Third-party actions or system failures
Platform unavailability or data loss

Liability Cap: Where liability cannot be excluded, our total liability is limited to re-supplying the Platform services or the cost of such re-supply.

21. Complaints and Dispute Resolution

Initial Complaints: Contact our support team at support@moneyboxinvest.com with details of your complaint.

Internal Dispute Resolution: We will:

Acknowledge complaints within 1 business day
Investigate and respond within 30 days
Provide written reasons for our decision

External Dispute Resolution: If unsatisfied with our response, you may lodge a complaint with:

Australian Financial Complaints Authority (AFCA)
Website: www.afca.org.au
Phone: 1800 931 678
This service is free to consumers

22. Professional Indemnity Insurance

Cache (RE Services) Ltd (ACN 616 465 671, AFSL 494 886) maintains professional indemnity insurance as required under its AFSL. Moneybox maintains appropriate technology errors and omissions insurance.

23. Governing Law and Jurisdiction

These Terms are governed by the laws of Victoria, Australia. You submit to the exclusive jurisdiction of the Victorian courts for any disputes arising from these Terms or your use of the Platform.

24. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions continue in full force and effect.

25. Contact Information

Moneybox, operated by Moneybox IM Pty Ltd (ACN 687 133 124, AR 001317023)

‍Mail: P.O. Box 2245 Caulfiled Junction, VIC, 3161
‍Phone: 1300 992 886  
‍Email: support@moneyboxinvest.com  
‍Website: www.moneyboxinvest.com

‍Responsible Entity: Cache (RE Services) Ltd (ACN 616 465 671, AFSL 494 886)

Terms and Conditions