Terms and Conditions
Last updated:June 13, 2025
Please read these Terms and Conditions ("Terms") carefully before using the www.copay.au website ("Website") and the services provided by Copay ("Copay," "we," "us," or "our"). These Terms govern your access to and use of our Website and services. By accessing or using our Website and services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you must not use our Website or services.
1. Introduction to Copay & Acceptance of Terms
Copay (operating as Copay.au) is an AI-powered Smart Ownership platform that facilitates the co-ownership of luxury second homes and investment properties. We partner with licensed real estate agencies and financial institutions to provide a seamless, hassle-free experience for individuals seeking to acquire and manage fractional interests in high-value properties. Our tagline is Smart Ownership.
These Terms constitute a legally binding agreement between you and Copay. By accessing, browsing, or using the Website and/or our services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as any additional terms and conditions or policies referenced herein or made available on the Website.
These Terms constitute a legally binding agreement between you and Copay. By accessing, browsing, or using the Website and/or our services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as any additional terms and conditions or policies referenced herein or made available on the Website.
2. Nature of Copay's Services
Copay provides a technology platform and a suite of services designed to streamline the co- ownership process. Our services include:
- Property Curation & Early Access:Providing information on exclusive luxury holiday homes and investment properties available through our real estate agency partners.
- Co-Owner Matchmaking:Facilitating connections between compatible individuals interested in co-owning a property.
- Automated Legal Contracts & Secure Documentation:Assisting in the generation and management of co-ownership agreements and secure storage of relevant documents.
- Transparent Financial Management: Automating shared expenses, payments, and financial reporting for co-owned properties.
- Smart Scheduling & Usage Coordination: Providing tools for fair and flexible usage allocation for holiday homes.
- Professional Property Management Oversight: Facilitating property upkeep, maintenance, and cleaning services through our partners.
- Dispute Management Tools: Offering resources and guidelines to promote harmonious co-owner relations.
Important Disclaimer Regarding Our Services
- Platform Provider Only: Copay is a technology platform provider. We do not act as a licensed real estate agent, property manager, financial advisor, legal advisor, or broker. We do not buy, sell, or lease properties ourselves.
- No Legal or Financial Advice: The information provided on our Website or through our services is for general informational purposes only and does not constitute legal, financial, tax, or investment advice. You should seek independent professional advice from qualified legal, financial, and tax professionals before making any property investment or co-ownership decisions.
- Unit Trust Model:The information provided on our Website or through our services is for general informational purposes only and does not constitute legal, financial, tax, or investment advice. You should seek independent professional advice from qualified legal, financial, and tax professionals before making any property investment or co-ownership decisions.
- PartnershipsThe information provided on our Website or through our services is for general informational purposes only and does not constitute legal, financial, tax, or investment advice. You should seek independent professional advice from qualified legal, financial, and tax professionals before making any property investment or co-ownership decisions.
3. User Eligibility & Accounts
3.1 Eligibility:
To use our Website and services, you must be at least 18 years old and have the legal capacity to enter into binding contracts. By using our services, you represent and warrant that you meet these eligibility requirements.
To use our Website and services, you must be at least 18 years old and have the legal capacity to enter into binding contracts. By using our services, you represent and warrant that you meet these eligibility requirements.
3.2 Account Registration: To access certain features of our Website and services (e.g., registering interest, booking a discovery call), you may be required to create an account or provide personal information. You agree to:
- Provide accurate, current, and complete information during the registration process.
- Maintain and promptly update your account information to keep it accurate, current, and complete.
- Maintain the confidentiality of your account password and login credentials.
- Accept full responsibility for all activities that occur under your account.
- Notify us immediately of any unauthorized use of your account or any other breach of security.
4. Your Responsibilities as a User
You agree to use the Website and services only for lawful purposes and in accordance with these Terms. You are solely responsible for:
- Your interactions with other users, real estate agencies, and financial partners facilitated through our platform.
- Conducting your own due diligence on any properties, co-owners, or financial arrangements.
- Seeking independent legal, financial, and tax advice regarding any co-ownership or investment decisions.
- Complying with all applicable laws, regulations, and third-party agreements (e.g., mortgage terms, co-ownership agreements).
5. Intellectual Property Rights
All content on the Website, including text, graphics, logos, images, videos, software, and the compilation thereof, is the property of Copay or its content suppliers and is protected by Australian and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as generally permitted by the Website's functionality or with our express written consent.
6. Prohibited Conduct
You agree not to:
- Use the Website or services in any way that violates any applicable federal, state, local, or international law or regulation.
- Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Website, or which, as determined by us, may harm Copay or users of the Website.
- Use the Website to transmit any unsolicited advertising or promotional material ("spam").
- Impersonate or attempt to impersonate Copay, a Copay employee, another user, or any other person or entity.
- Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
- Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website.
7. Disclaimers & Limitation of Liability
7.1 No Warranties:
The Website and services are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. Copay does not make any representations or warranties regarding the accuracy, completeness, reliability, suitability, or availability of the Website or the information, products, or services contained on the Website for any purpose.
The Website and services are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. Copay does not make any representations or warranties regarding the accuracy, completeness, reliability, suitability, or availability of the Website or the information, products, or services contained on the Website for any purpose.
7.2 Limitation of Liability:
To the fullest extent permitted by law, Copay, its affiliates, directors, employees, agents, and service providers will not be liable for any loss or damage of any kind arising from or in connection with your use of, or inability to use, the Website or services, including but not limited to direct, indirect, incidental, consequential, special, or punitive damages, even if Copay has been advised of the possibility of such damages. This includes, but is not limited to, damages for loss of profits, data, goodwill, or other intangible losses.
To the fullest extent permitted by law, Copay, its affiliates, directors, employees, agents, and service providers will not be liable for any loss or damage of any kind arising from or in connection with your use of, or inability to use, the Website or services, including but not limited to direct, indirect, incidental, consequential, special, or punitive damages, even if Copay has been advised of the possibility of such damages. This includes, but is not limited to, damages for loss of profits, data, goodwill, or other intangible losses.
7.3 No Responsibility for Third Parties:
Copay is not responsible for the actions, products, or services of any third-party real estate agencies, financial lenders, property managers, or other partners you may interact with through our platform. Any agreements or transactions with these third parties are solely between you and them.
Copay is not responsible for the actions, products, or services of any third-party real estate agencies, financial lenders, property managers, or other partners you may interact with through our platform. Any agreements or transactions with these third parties are solely between you and them.
8. Third-Party Links & Services
Our Website may contain links to third-party websites or services that are not owned or controlled by Copay. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.
9. Privacy Policy
Your use of our Website and services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Our Privacy Policy explains how we collect, use, disclose, store, and manage your personal information. Please review our Privacy Policy at Privacy Policy to understand our practices.
10. Termination & Suspension
We may terminate or suspend your access to all or part of the Website and services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the services will immediately cease.
11. Indemnification
You agree to indemnify, defend, and hold harmless Copay, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Website, including, but not limited to, your content, any use of the Website's content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from the Website.
12. Governing Law & Dispute Resolution
These Terms shall be governed and construed in accordance with the laws of Queensland, Australia, without regard to its conflict of law provisions. Any dispute, controversy, or claim arising out of or relating to these Terms or your use of the Website or services shall be resolved through good faith negotiation. If a dispute cannot be resolved through negotiation, the parties agree to first consider mediation as a means of dispute resolution. If mediation is unsuccessful, the parties agree to submit to the exclusive jurisdiction of the courts located in Queensland, Australia.
13. Changes to These Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Website or services after those revisions become effective, you agree to be bound by the revised terms.
14. Contact Us
If you have any questions about these Terms and Conditions, please contact us:
Email: [email protected]
Email: [email protected]