Terms of Service

About these Terms

These Terms of Service govern your use of habo.help (the “Service”), operated by Prime Calibre Pty Ltd (ABN 76 678 167 407) trading as habo.help (“Habo”, “we”, “us”, “our”). Prime Calibre is a registered remittance service provider under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) (the “AML/CTF Act”). By using the Service you agree to these Terms and to our Privacy Policy.

Eligibility

To use the Service you must:

• be at least 18 years old;
• be a resident of Australia (donors and recipients);
• have the legal capacity to enter into a binding contract;
• not be subject to any sanctions list administered by DFAT, the United Nations, OFAC, the EU, or the UK, and not be acting on behalf of any sanctioned person.

Donors fund payments using a card, digital wallet, bank account or PayPal account that is in their own name and that they are authorised to use.

What Habo is

Habo is a small-value, dignity-preserving peer-to-peer remittance platform. A donor sends a financial gift to a specified recipient who claims it via mobile-number verification. Habo is not a charity, a crowdfunding platform, a financial institution, a stored-value wallet, an investment service, an escrow service, a foreign-exchange dealer, or a virtual-asset service provider. Gifts sent through Habo are personal gifts between individuals and are not tax-deductible.

Habo does not hold customer funds in an account on the customer’s behalf. Funds pass through accounts held by our regulated payment processors (Stripe, Zepto and PayPal) en route from the donor to the recipient.

Sending a gift (donors)

1. You enter the recipient’s mobile number, the gift amount, a reason chosen from a list, and an optional message, plus your full legal name and email address (both mandatory). You may choose whether your name is shown to the recipient via the “stay anonymous” toggle. See “Anonymity” below.
2. You select a payment method (card or digital wallet via Stripe, bank transfer via Zepto PayTo, or PayPal).
3. You complete payment on the processor’s hosted payment surface. Your payment is authorised at this point but not taken. We take it only once our checks are complete, and if they are not passed we release the authorisation and nothing is taken.
4. The first time you use an email address, we send a verification link to it. You are not required to click it for the gift to complete, but verifying your email confirms the email address you provided is yours.
5. We notify the recipient by SMS that they have a gift waiting. SMS messages do not contain payment links; they direct the recipient to habo.help/claim.

At your first gift we automatically create a persistent donor record linked to the email address you give us. Subsequent gifts from the same email reuse this record. The record stores your name, gift history, sanctions/PEP screening events, and any compliance review decisions. See the Privacy Policy for full detail on what we collect and why.

You can sign in to your dashboard with a one-time code to see the gifts you have sent, the amount of your gifts still in progress, and the date by which each gift must be accepted before it is returned to you.

Anonymity: what it means and what it doesn’t

When the “stay anonymous” toggle is on, the recipient’s gift card and notifications do not show the donor’s name, email, phone number, or any other contact information. We will not disclose donor identity to the recipient even if the recipient asks.

You are not anonymous to Habo or to the upstream payment processor. We collect your name and email address, and the processor collects your cardholder or account-holder details. This is necessary to meet our legal obligations as a registered remittance service provider.

Receiving a gift (recipients)

1. You receive an SMS notifying you that a gift has been sent to your mobile number, with an instruction to go to habo.help/claim.
2. You enter your mobile number on habo.help and verify it with a one-time SMS code (OTP).
3. You see the gift waiting and can accept or decline. If you accept, you set up how you will be paid, and complete that setup with the payment provider shown at the time. Payouts are only ever made to an account held in your own name at an Australian bank.
4. Your account-holder name returned by the payment provider is screened against sanctions and PEP lists before your first payout, and again before a later payout if it was last screened more than six months earlier.
5. Funds are paid out to your verified payout account. You receive the full gift amount; the donor pays the service fee separately.

If you decline a gift, the gift amount is refunded to the donor. If a gift is not accepted within 30 days of being sent, it expires and the gift amount is refunded to the donor. We send you one reminder by SMS a few days before an unclaimed gift is returned.

Limits and scope

• Per-gift limit: AU$500 (hard cap; applied to all donors).
• Per-donor monthly limit: AU$2,000 (hard cap; applied to all donors, evaluated over a rolling 30-day window and counted across the email address, donor record and card you use).
• Gifts in progress: no more than AU$1,000 of your gifts can be in progress at any one time, across every payment method. A gift counts from when your payment is authorised until it has been paid out to the recipient or refunded to you. A gift that would take you over this amount is not sent.
• Cards: Australian-issued debit cards only, including through Apple Pay and Google Pay. Credit cards and prepaid cards are refused before any money is taken, and so is a card whose type the payment processor cannot confirm.
• Geographic scope: donors and recipients must be in Australia. A payment by a card issued outside Australia, with a billing address outside Australia, or from a PayPal account outside Australia is refused before any money is taken. A recipient must have an Australian mobile number, and payouts are made only to an account at an Australian bank.
• Currency: Australian dollars (AUD) only. Payouts are made to an account in Australia.
• Single direction: donor → recipient. Habo does not support group pools, public fundraising pages, scheduled recurring transfers, or business-to-business transfers.

We do not currently offer a path to send above the per-gift or per-donor monthly cap. If we introduce a higher-limit category in future it will be subject to additional identification requirements and notified to AUSTRAC by change-of-circumstances submission before being offered.

Fees

A service fee is added to each gift. It is the charge for our service: sending your gift privately, without the recipient being told who it is from unless you choose, with the checks and the payout that involves. It is the same whichever way you pay:

• Service fee: A$5, or 5% of the gift amount if that is more (so A$5 for a gift of A$100 or less), by card, digital wallet, bank transfer or PayPal. There is no surcharge for paying by card.
• A pay it forward code, where you have one, reduces or covers the fee.
• The exact amount is shown before you confirm. The recipient always receives the full gift amount.

The service fee is paid by the sender, and the recipient receives the full gift amount. It is not refunded where the recipient declines, where the gift expires, or where the gift is refunded, because the sending has already happened. If our checks are not passed before your payment is taken, the authorisation is released and neither the gift nor the fee is taken.

We may change the fee structure from time to time; changes apply only to gifts initiated after the change and the applicable fee is always displayed before payment.

Customer due diligence and screening

As a registered remittance service provider, we are required by the AML/CTF Act to perform customer identification and ongoing monitoring. This includes:

• collecting donor name and email address at every gift;
• capturing the cardholder or account-holder name returned by the upstream payment processor;
• screening the donor’s name against sanctions and PEP lists at every payment, and the name returned by the payment processor as well where it differs;
• screening the recipient’s payout account-holder name before the first payout, and again before a later payout where it was last screened more than six months earlier;
• monitoring transactions for unusual or suspicious patterns;
• reporting to AUSTRAC where required.

Screening happens when a gift is being sent or paid out. We do not re-screen people on a schedule when they are not sending or receiving a gift.

We may at any time request additional information from you to satisfy these obligations. We may decline, hold, or refund a transaction where we are unable to complete required checks or where a check returns a confirmed match. Where law prohibits us from explaining the specific reason for an action (for example, the tipping-off prohibition under section 123 of the AML/CTF Act), we will communicate as much as we lawfully can.

Acceptable use

You agree not to use the Service for, or in connection with:

• any unlawful purpose, including money laundering, terrorism financing, proliferation financing, fraud, scams, or evasion of sanctions;
• structuring transactions to avoid the per-gift or per-donor monthly limits;
• using the Service on behalf of a third party without disclosing that fact (no nominee, agent, or money-mule arrangements);
• sending payments funded by, or directed to, accounts not in your own name;
• commercial transactions (settlement of invoices, payment for goods or services, payroll, debt settlement): the Service is for personal gifts only;
• harassment, threats, abuse, stalking, doxxing, or any contact that is unwelcome to the recipient;
• messages, reasons, or content that is offensive, discriminatory, defamatory, sexually explicit, or otherwise harmful;
• automated or bot-driven gift creation;
• scraping, reverse-engineering, or interfering with the Service.

We reserve the right to refuse, hold, refund, or reverse any transaction; suspend or terminate access; and report activity to AUSTRAC, DFAT, law enforcement, or other relevant authorities, where we consider it necessary or required by law.

Suspension and termination

We may suspend or terminate your access to the Service at any time, with or without notice, where we reasonably consider that you have breached these Terms, that continued service would be unlawful, or that suspension is required by an AML/CTF, sanctions, or other legal obligation. Suspension or termination does not affect any accrued obligations or our retention of records under the AML/CTF Act.

Tax

Habo does not provide tax advice. Gifts sent through Habo are personal gifts and are not tax-deductible to the donor. Recipients are responsible for understanding any tax implications of receiving a gift in their own circumstances. If you are unsure, seek independent tax advice.

Privacy

Our handling of personal information is governed by our Privacy Policy, which forms part of these Terms. The Privacy Policy describes what we collect, why, how long we keep it, and who we share it with (including AUSTRAC where required by law).

Service availability

We aim to make the Service available at all times but do not warrant that the Service will be uninterrupted, free of errors, or available at any particular time. We may suspend the Service for scheduled maintenance, security updates, or any other operational reason.

Liability

We facilitate payments between individuals. We are not responsible for disputes between donors and recipients, for the use a recipient makes of funds received, or for the accuracy of any information either party provides about themselves or the gift.

To the maximum extent permitted by law, our liability to you in connection with the Service is limited to the total fees we have received from you in the twelve months before the claim arose. We are not liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, data, or goodwill.

Australian Consumer Law: nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) that cannot be lawfully excluded, restricted, or modified. Where our liability for breach of a non-excludable consumer guarantee can be limited under section 64A of the Australian Consumer Law, our liability is limited at our option to the supply of the services again, or the payment of the cost of having the services supplied again.

Indemnity

You agree to indemnify Prime Calibre Pty Ltd against any loss, cost, claim, or liability arising from (a) your breach of these Terms, (b) your unlawful use of the Service, or (c) any third-party claim that funds you sent or received through the Service were yours to send or receive. This indemnity does not apply to the extent the loss is caused by our negligence or breach of these Terms.

Third-party processor terms

By using the Service you also agree to the terms of the relevant payment processor for the rail you choose:

• Stripe , stripe.com/legal
• PayPal , paypal.com/au/legalhub
• Zepto Payments , zepto.com.au/legal

Intellectual property

The Habo platform, the Habo brand, and all software, code, designs, copy, and trademarks associated with the Service are owned by Prime Calibre Pty Ltd or its licensors. Use of the Service does not transfer any intellectual property rights to you. You agree not to copy, modify, reverse engineer, or create derivative works of any part of the Service except as permitted by law.

Governing law and disputes

These Terms are governed by the laws of the State of Victoria, Australia, and the laws of the Commonwealth of Australia in force in Victoria. You and Prime Calibre Pty Ltd submit to the exclusive jurisdiction of the courts of Victoria and the Federal Court of Australia for the determination of any dispute arising out of or in connection with these Terms or the Service.

Changes to these Terms

We may update these Terms from time to time. We will publish the updated version at this page with a new “Last updated” date. Material changes will be notified to users by email or SMS where we hold a contact for them. Your continued use of the Service after the effective date of an update constitutes acceptance of the updated Terms.

Contact

General: hello@habo.help

Privacy enquiries: privacy@habo.help

Complaints: complaints@habo.help

AML/CTF Compliance Officer: compliance@habo.help