APCA Website Terms of Use

The material on this web site under the domain name www.apca.com.au resides on a server in the state of New South Wales, Australia.


Australian Payments Clearing Association Limited (APCA) owns the copyright in material on this web site, unless otherwise expressly stated.

Other than for the purposes of, and subject to the conditions prescribed under, the Copyright Act 1968 (Cth) (or any other applicable legislation throughout the world), or as otherwise provided below, no part of any material on this web site may, in any form or by any means, be reproduced, adapted, distributed, stored in a retrieval system, transmitted, printed, displayed, published or commercialised without APCA’s prior written consent. Enquiries should be directed to APCA.

You may:

  • print copies of any material on this web site for informational, non-commercial use;
  • store a copy of the material on your local computer solely for viewing it; or
  • copy or distribute any one or more pages of the material in complete and unaltered form, so long as it is appropriately attributed to APCA, and a copy of this copyright notice appears in its entirety in each copy made or distributed.

All other rights are reserved by APCA.

Data Citation Protocol

APCA collates and publishes payments information and fraud data for the benefit of the payments industry, regulatory agencies and the general public.  It is important that any APCA member, or other person, wishing to use or rely on APCA data or information in any document, publication or marketing material (“User”), should:

  • expressly acknowledge APCA as the source of the data or information using the citation protocol set out in this guide; and
  • expressly acknowledge that any interpretation, or conclusion formed on the basis, of the data or information, is entirely the User’s own.  No User may, expressly or impliedly, attribute any such interpretation or conclusion to APCA.  A disclaimer should be used in appropriate circumstances to avoid inadvertent attribution.

Accurate citation, or referencing, fulfils three functions.  It preserves an original author’s right to be acknowledged as the source of data or information.  It enables others to find and use the original data or information.  Importantly, it also facilitates validation of any interpretation, or conclusions formed on the basis, of the data or information by the User.

This document provides brief guidance on how to cite APCA material.  Users may have their own guidelines for citing resources.  This document does not intend to supersede those requirements, rather to act as an adjunct, indicating elements that should be included when citing APCA data or information. 

The style suggested in this guide is based on the author-date system outlined in the Style manual: for authors, editors and printers (2002).  This system uses in-text references and a reference list or bibliography at the end of the work.  In some circumstances, use of APCA data or information may be such that a bibliography is inappropriate or impractical, in which case it may be omitted. 

All Users of APCA data or information should cite 'Australian Payments Clearing Association Limited’ as the author/source, the title and date of the item.  The abbreviation 'APCA' may be used in in-text references if the full name and abbreviation ‘Australian Payments Clearing Association Limited (APCA)’ has been used in the first in-text reference.

When citing several works by APCA that have been published in the same year, Users should distinguish them from each other by attaching a lower-case alphabetic reference to the publication date.  For example, for the first set of fraud data published by APCA in 2011, the in-text reference would be (APCA, 2011a), the second (APCA, 2011b), and so on.  

Any User unsure of these requirements or the application of this protocol should contact APCA for advice.


The material on this web site is not intended to be, and should not be relied on as, a substitute for professional advice.

The material on this web site changes from time to time without notice. By accessing or using this web site you acknowledge that APCA has no obligation to notify you of changes to the material on this web site. While APCA endeavours to keep the material on this web site up to date, there may be delays, errors or omissions in doing so. APCA is not liable to any user of this web site or to any other party for such delays, errors or omissions.

In some cases, material on this web site may incorporate or be based on views of, or information provided by, third parties. APCA does not in all cases independently verify such information.

To the extent permitted by applicable law, APCA makes no warranties or representations about this web site or any material on it including, without limitation, warranties or representations:

  • as to the quality, accuracy, content, legality, completeness, merchantability or fitness for purpose of this web site or any material on it or printed from it; or
  • that this web site or any material on it is free from computer viruses or other defects. APCA recommends that you take your own precautions to ensure that whatever you select for use from this web site is free from computer viruses or other defects.

To the extent permitted by applicable law, APCA disclaims all liability in connection with this web site or use of or reliance on any material on this web site or printed from it including, without limitation, liability for any loss or damage, however caused, resulting directly or indirectly from use of or reliance on this web site or any material on it, or printed from it.

Links to third party sites

This web site contains links to other web sites. Those links are provided for convenience only.

Linked sites are not under the control of APCA. APCA is not responsible for the contents of those linked sites. Without limitation, APCA does not warrant or represent that material on linked sites does not infringe any intellectual property rights of any person, or that linked sites are free from computer viruses or other defects..

Links to other web sites should not be construed as any endorsement, approval or recommendation by APCA of the owners or operators of those web sites, or of any information, products or services referred to in those web sites. APCA makes no warranties or representations, and takes no responsibility, regarding the accuracy, merchantability, fitness for purpose, or any other aspect of any material on any linked site.

APCA does not, and must not be taken to, authorise any infringement of any intellectual property rights contained in material on other web sites, by providing links to those web sites.