Last updated: September 2, 2026
By accessing and using this website, you accept and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you should not use this website or our services.
reef-myth provides ATM card recovery, dispute resolution, and related assistance services. We act as intermediaries between clients and financial institutions to facilitate card recovery and resolve disputes arising from ATM card retention.
Our services are administrative and consultative in nature. We do not guarantee specific outcomes, as results depend on third-party institutions including banks, ATM operators, and regulatory bodies.
We provide assistance in recovering retained cards and resolving related disputes. However, we cannot:
When using our services, you agree to:
Service fees are clearly stated for each service tier. Fees are payable upon service selection and are non-refundable once work has commenced, except where required by applicable consumer protection laws.
If a card cannot be recovered due to circumstances beyond our control, such as institutional policies or card destruction, fees remain payable for services rendered, including documentation preparation and institutional communication.
Your use of this website and our services is also governed by our Privacy Policy. We collect and process personal information as necessary to provide services and comply with legal obligations.
Our services are provided on an "as is" and "as available" basis. While we make reasonable efforts to assist with card recovery and dispute resolution, we make no warranties regarding:
To the maximum extent permitted by Australian law, reef-myth shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of our services or website.
Our total liability for any claim related to our services shall not exceed the amount paid by you for the specific service giving rise to the claim.
You agree to indemnify and hold harmless reef-myth, its employees, and representatives from any claims, damages, or expenses arising from your breach of these Terms of Use or misuse of our services.
All content on this website, including text, graphics, logos, and design elements, is the property of reef-myth or its content suppliers and is protected by copyright and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from any content on this website without express written permission.
Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of external sites. Access to third-party sites is at your own risk.
We reserve the right to terminate or suspend access to our services and website at our discretion, without notice, for conduct that we believe violates these Terms of Use or is harmful to other users, us, or third parties.
These Terms of Use are governed by the laws of the State of Victoria, Australia. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts of Victoria.
Nothing in these Terms of Use excludes, restricts, or modifies any consumer rights under the Australian Consumer Law or other applicable legislation that cannot be excluded, restricted, or modified by agreement.
We may update these Terms of Use from time to time. The updated version will be posted on this page with a revised date. Continued use of our services following any changes constitutes acceptance of the modified terms.
If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
For questions about these Terms of Use, contact us at:
Email: [email protected]
Address: Level 12, 485 La Trobe Street, Melbourne VIC 3000, Australia