Licences, Registrations, & Structure

CobWeb Pay is the registered business name under which CloudTechX Pty Ltd (ABN: 34 659 353 796) operates its trading and exchange solution.

The CobWeb Pay Card is a prepaid Mastercard issued by EML Payment Solutions Limited ABN 30 131 436 532 AFSL 404131 pursuant to license by Mastercard.  This material is general information only and does not consider your objectives, financial situations or needs. We recommend you consider the Product Disclosure Statement , Target Market Determination and Financial Services Guide on our website before making any decision to acquire the product.

Google Pay is a trademark of Google LLC. Apple Pay is a trademark of Apple Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

*The rewards program associated with CobWeb Pay is exclusively determined, managed, and provided by CloudTechX and is subject to eligibility criteria, caps and T&Cs. No other entity, including but not limited to EML Payments, Apple, Google, Mastercard, Meta, Facebook, Instagram, X, LinkedIn, or TikTok, holds any involvement with, responsibility for, or endorsement of this rewards program. All communications regarding rewards pertain solely to CloudTechX.
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General Disclaimer- No Personal Advice:‍
The information on this website and through CloudTechX platforms is general information only. It has been prepared without taking into account your personal objectives, financial situation or needs. It is not personal financial advice, legal advice or tax advice.
CloudTechX Pty Ltd does not hold its own Australian Financial Services Licence. CloudTechX Pty Ltd is a corporate authorised representative of Bellevue Hill Capital Ltd ACN 107 073 629, AFSL 246415, CAR No. 001321676, and is authorised to provide general financial product advice and dealing services in relation to approved non-cash payment products only.
CloudTechX does not provide personal financial product advice. You should consider whether any information is appropriate for your circumstances and seek advice from a licensed financial adviser, lawyer or tax adviser before making any investment, trading or financial decision.
Nothing on this website is intended to constitute an offer, solicitation or invitation in any jurisdiction where it would be unlawful or where CloudTechX is not authorised to provide the relevant product or service. Access to CloudTechX products and services is subject to eligibility, onboarding, verification, product disclosure, target market, regulatory and jurisdictional requirements.
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‍Product Risk Warning – Crypto, Foreign Currency and Digital Assets:‍
Trading, exchanging or transacting in cryptocurrencies, foreign currency and digital assets involves significant risk and may not be suitable for all users. These assets can be highly volatile and may fall substantially in value, including to zero.
Some digital assets and related services may be regulated as financial products in Australia, while others may not be. The regulatory treatment depends on the rights, features and surrounding arrangements of the product or service.
CloudTechX’s authorisation as a corporate authorised representative is limited to approved non-cash payment products and does not extend to personal advice, derivatives, managed investment schemes, deposit products, securities, credit products, crypto asset services or other financial products unless expressly approved and disclosed.
Digital assets are also subject to technology, cybersecurity, infrastructure, blockchain, smart contract, wallet, custody and operational risks. Transactions may be irreversible, and accidental, unauthorised or fraudulent transfers may not be recoverable. You should only trade or transact with funds you can afford to lose. Past performance is not a reliable indicator of future performance.
This aligns with the CAR scope, which permits general financial product advice and dealing for approved non-cash payment products only, while excluding personal advice and other product categories.