Terms and Conditions

Kuggar Pty Ltd ("we", "us", "our") is a technology company in Australia (Australian Company Number: 165 118 561) that provides software applications within the payments industry. We deliver technology services to businesses that require payments integrations within their procurement workflows and platforms. We operate https://kugg.ar/ and https://virtual.cards/ websites, which provide business information to corporate organisations about the products and services we provide, and the associated software platform which provides the payments technology services. Unless your Organisation has agreed to different Terms and Conditions directly with us, these Terms and Conditions govern your use of Kuggar application. By downloading, installing or using our applications, you agree to be bound by these Terms and Conditions. If you do not agree with any of these terms, please do not download, install or use our applications. Your privacy is important to us. Please read our Privacy Policy at "https://kugg.ar/privacy/ for information on how we collect, use, and disclose your personal information in connection with your use of our applications. If you download and use our applications from Apple App Store or Google Play Store, you also agree to be bound by the terms and conditions of the respective app stores. For more information on the terms and conditions of the Apple App Store, please visit https://www.apple.com/legal/privacy/en-ww/. For more information on the terms and conditions of the Google Play Store, please visit https://play.google.com/about/play-terms/index.html and https://policies.google.com/privacy?hl=en. If you make any in-app purchases, you also agree to be bound by the terms and conditions of the respective app stores' in-app purchase policies. For more information on Apple's in-app purchase policy, please visit http://www.apple.com/legal/internet-services/itunes/us/terms.html and https://www.apple.com/legal/privacy/en-ww/. For more information on Google's in-app purchase policy, please visit https://payments.google.com/payments/apis-secure/get_legal_document?ldo=0&ldt=buyertos&ldr=uk aand https://payments.google.com/payments/apis-secure/get_legal_document?ldo=0&ldt=privacynotice. Our mobile applications must comply with the requirements of the app stores from which they were made available for download, including but not limited to the Apple App Store and Google Play Store. These requirements may include, but are not limited to, content and functionality restrictions, security and privacy requirements, and payment processing requirements. We will make reasonable efforts to comply with these requirements, but we cannot guarantee that our mobile applications will always comply with all such requirements. We reserve the right to modify, update or discontinue our mobile applications to ensure compliance with these requirements. You agree to use our applications only for lawful purposes and in accordance with these Terms and Conditions. You may not use our applications in any way that violates any applicable federal, state, local or international law or regulation, or for any fraudulent or malicious purpose. You may not use our applications to impersonate any person or entity, or otherwise misrepresent your affiliation with any person or entity. Our applications may allow you to access third-party services, such as payment card issuers, payment processors or other online platforms. These third-party services may have their own terms and conditions, and you agree to be bound by such terms when accessing such third-party services through our applications. We are not responsible for any content or services provided by third-party services, and we do not endorse or guarantee the accuracy, reliability or suitability of any third-party services. Complaints And Contacts About Terms If you have any complaints about our terms, please feel free to send in details of your complaints to us via our contact details below. We take complaints very seriously and will respond shortly after receiving written notice of your complaint. By mail: PO Box 558, Randwick NSW 2031, Australia By email: privacy@kugg.ar