Terms of Use

HYBRID MONEY supplied by Cluster Holdings


HYBRID MONEY encryption technology gives you added security and flexibility when you make proximity/distant purchases.

The Terms of Use below set out important information about our service(s) and how we use your information to verify your payment. For your benefit and protection, you should read these terms carefully and save or print a copy for future reference. You must cancel your transaction or use an alternative payment method if you do not want us to verify it using the HYBRID MONEY encryption technology service or if you do not accept the Terms of Use or understand how they apply to you.

Please ensure you make your proximity/distant purchases from reputable retailers. Cluster Holdings is not liable if you make purchases from non reputable retailers.

(B) HYBRID MONEY encryption technology - TERMS OF USE

1.1. If we need to carry out additional verification of your payment request before processing it, we will ask you to input the Currency Number and/or PublicKey of your Hybrid Money wallet.
1.2. If you're unable to or do not wish to enter a valid Currency Number and PublicKey, for example if you do not agree to or accept these Terms of Use, your payment will not be processed. Once your payment is cancelled, you will need to use an alternative method of payment if you wish to proceed with your proximity/distant purchase.

2.1. We will use personal and financial information we hold about you to verify your payment request. This includes information which we obtain from you or from third parties with permitted access to your information.
2.2. We may be required from time to time to disclose your personal information to Governmental or judicial bodies or agencies or our regulators, but we will only do so under proper authority.
2.3. Otherwise, we will only use your information in accordance with our Privacy Policy.
2.4. We will not disclose your information to any online retailer.

You are solely responsible for maintaining the confidentiality of your Hybrid Money information. You agree not to transfer or sell your use of, or access to, Currency Number and PublicKey to any third party. You agree to immediately notify us of any unauthorized use of your Hybrid Money information, or any other breach of security.

4.1. We may suspend or terminate your use of the Hybrid Account service immediately:
4.1.1. If we suspect someone else is using or attempting to use your Account or making or attempting to make a payment without your authority;
4.1.2. If you breach your agreement with us;
4.1.3. If we are required to do so by any party assisting us in providing the Service;
4.1.4. If we are entitled to do so under your Cluster Holdings terms and conditions or any other agreement we have with you; or
4.1.5. If we reasonably believe it is necessary to do so but we will tell you immediately after suspending or terminating the Service.
4.2. We may suspend or terminate your use of the Service at any time without notice.

We reserve the right to change these terms from time to time without notice.