Terms and conditions

• Capacity :
  The entity providing the Money Transfer Service is referred to as ", our, we, or us," the user utilizing the Money Transfer Service is typically referred to as "Customer or You," and the internet "website" that provides the Money Transfer Services of is also known as the "Portal." Our "correspondents, payment service providers, and payment partners" are included in the terms "we" or "us." Mutandis mutatis

• Constitution of this agreement:
  This is the master agreement that governs all future business dealings you have with us. Every time you book a transfer request, all of the transactions and other specifics will be agreed upon separately; they will be distinct agreements that incorporate these terms and conditions.

• Documents to read:
  While you acknowledge your agreement to this Terms and Conditions, you acknowledge that in accordance with the requirements of the Corporations Act, you have been provided with copies of our
  (a) Website Terms of Use and
  (b) Privacy Policy
  both of which are available on our website—have been sent to you, and that you have read, comprehended, and concur with their contents.

• Keep updated:
  Before completing any transactions, please study the information in this document as it may change at any time and without prior warning.

• Headings:
  This Agreement's section headings are merely for reference and have no bearing on how this Agreement is interpreted or understood.

• International money transfer services:
  We are approved to offer international money transfer services as a Remittance Network Provider and are registered with the Australian Transaction Reports and Analysis Centre, or AUSTRAC. To learn more about how our money transfer services work, you should read the service-related material posted on our website. 's money transfer services are available to customers via our websites and portals.

• No financial advice:
  does not offer financial advice, foreign exchange forward contracts, margin or speculative trading services, or any of these.

• Other services:
  As stated on the website from time to time, may furthermore, at its sole discretion, offer to provide a variety of international money transfer services through its Portal.

• Use of correspondents:
  Through a "correspondent" located anywhere in the globe, provides electronic payments of cleared amounts to the beneficiary in cash or electronic form, or by direct credit to a designated bank account.

• Limitations:
  Time constraints, Transfer Request limits, fees that may be general or unique to particular remittance channels, currencies, countries, and payout/pay-in methods are just a few of the restrictions and requirements that apply to services.

• Services to registered customers only:
  Only customers who successfully finish the registration process and are approved by will be allowed to use . reserves the right, at its sole discretion, to refuse any or all of its customers' requests without providing a justification. Every customer has the choice to complete the registration process and submit a transfer request using our online portal.

• Registration process:
  Before starting a transfer request, all new customers must finish the registration process, which is detailed below.
  (a) Clients can start the online registration process.
  (b) All clients must finish the KYC procedure and have their registration confirmed by us before using our services..
  (c) In accordance with 's requirements, all customers—including authorized signatories of corporate customers—must provide legitimate identification documents and proof of address documentation.
  (d) Authorized individuals must either self-attest or confirm and certify all documents supplied to as "true copies."
  (e) The authenticity of every single document and piece of information you send to will be entirely your responsibility.
  

• Verification process:
  To ensure regulatory or policy compliance, may modify the registration and verification processes as it sees fit. In order to finish the client identification and verification procedure, we might also designate agents, authorized staff, or other parties. If data verification services (DVS) are needed to register you as a customer, you agree to have your identity verified.

• Suspend or cancel the registration:
  At its sole discretion, has the right to suspend or terminate a customer's registration at any moment without providing a justification.

• Due diligence:
  During the registration process or at any point in the future, may ask specific customers to complete extra due diligence procedures. Successful completion of the due diligence process will be a prerequisite for the customer's ability to utilize services.

• Change in customer registration details:
  You agree to quickly notify and/or make a request through your Portal profile in the event that the content or status of the primary identification documents, address documents, and/or bank account details changes.

• Information binding on you:
  You will be legally bound by all of the information you have saved on the Portal, including but not limited to your beneficiary information, bank account information, and primary information.

• Initiating transfer requests:
  After completing your registration, you can use our Portal or App to start online money transfer requests.

• Transfer requests binding:
  Immediately upon receipt of your electronic money transfer request, it will become legally obligatory on you.

• Confirmation of the transfer requests:
  When you schedule the Transfer Requests, we will show you a confirmation of the requests on the screen. We will send you an email or SMS confirming the transfer request after you have finished submitting it. The confirmation is only a technique for correcting errors. The Transfer Requests details will be assumed to be accurate if you do not get in touch with us very away after receiving the confirmation.

• Only bonafide transfer requests:
  You promise to only use us to initiate legitimate transfer requests, and you accept full responsibility for any activities you take that violate any laws or guidelines pertaining to remittance services.

• Mistakes from the customer:
  It is entirely your duty to enter all necessary information accurately and completely when submitting a money transfer request in order to enable the beneficiary to receive payment without errors. We won't be held accountable for any losses brought on by inaccurate or lacking information you provide.

• Beneficiary account:
  You agree that we will only use the account number and bank information you supply us for your Beneficiary Account when transferring funds to beneficiaries' bank accounts; we won't verify that the name you gave matches the account number you provided.

• Security of the username and password:
  You will be in charge of making sure the password and login used to access our portal are secure. You will always be bound by any instructions we receive on the use of your username and password, and we will rely on them without verifying the user's identity.

• Right to refuse to provide our service:
  We will always make an effort to follow your directions as soon as feasible and as effectively as we can. However, we maintain the right to reject your instructions or to conduct the Transfer Requests without providing you with an explanation or assuming any responsibility for any resulting losses or damages that you or any other party may suffer.

• Right to re-quote the exchange rate:
  You acknowledge that the exchange rate we provide for a transfer request is subject to the timely fulfillment of your commitments under such request. If you do not submit the necessary funds or information on time, we retain the right to re-quote the exchange rate.

• Out-of-market quote:
  You acknowledge that we shall not be held responsible if we quote an incorrect exchange rate ("Out-of-Market Quote") owing to a technical or human error. You also promise to let us know as soon as you see the error.

• Advance payments:
  You agree that we assume the risk that you may not settle a transfer request, and we reserve the right to ask that you fund your "My Account" in advance of submitting a money transfer request in order to reduce this risk.

• Personal warranties:
  You further affirm that when you submit a Transfer Request to us, you are:
  (a) the legitimate owner of the funds you wish to transfer,
  (b) you are at least eighteen years old,
  (c) you are not acting on behalf of another individual and that you will notify us if you are acting as a business sole proprietor, trustee, partnership partner, or representative of a company; and
  (d) you are duly and legally authorized to enter into this agreement and any Transfer Requests with us if you are not submitting a Transfer Request in your individual capacity,
  (e) you will not enter into any Transfer Requests with us for speculative purposes;
  (f) Your decision to submit a transfer request to us is entirely your own, and you will not rely on any information that we may occasionally provide on our website or through our employees or consultants,
  (g) You are not using our services to finance terrorism or launder money; and
  (h) You will supply all additional KYC documents and documentation of your source of funds, if necessary, in order to complete any due diligence on you at any time or to precede your transfer request.

• Secure transactions:
  Encryption and "firewall" technologies, which are recognized in the industry to offer sufficient security for the transmission of such information over the Internet, are among the security measures we have put in place and will continue to maintain for the transmission of our customers' transfer requests. The security of the Services or Transfer Request data is not guaranteed by us, and we will not be held accountable if its security systems are compromised, even if we have taken commercially reasonable precautions to stop the intrusion. Additionally, the customer accepts that we are not liable for the servers of any other party and that the customer, not us, is in charge of protecting the data or information related to Transfer Requests or any other information kept on the customer's servers.

• No obligation to act on any telephonic instruction:
  We shall not be obligated to follow any instructions you give us over the phone.

• Fax or written communication should be signed:
  You must sign any written or faxed correspondence you send us, and your signature must match the format and style specified in the primary identification documents you sent us.

• e-mail instructions from registered e-mail address only:
  If there are any email instructions, you will send them to our designated email IDs from your registered email address.

• Reconfirmation of instructions received:
  We may follow such instructions after taking reasonable steps to check their authenticity in accordance with Australian laws and regulations. We also retain the right to request confirmation of such instructions via telex, fax, phone, or email.

• Other instructions:
  We shall respond to any such instructions given to us outside of the Portal within seven business days.

• Reliance on your instructions:
  In connection with or in relation to your account maintained with us, you give us permission (at our discretion) to rely on and act or not act in accordance with instructions that may be or claim to be communicated to or received by us from designated sources.

• Right to decline transfer request:
  We may, at our sole discretion and exclusive determination, refuse to act, omit to act, or postpone acting in accordance with any such instruction, and you will be at your own. We are not obligated to follow the entirety or any portion of the Transfer Request or any other instruction.

• Declined transfer request shall be informed:
  As long as we notify you of our choice to not follow your direction within a reasonable amount of time after using our discretion, we will not be held responsible for the results of any such refusal, omission to act, or postponement of action.

• Payment of customer fund:
  You commit to depositing the transfer amounts and all associated fees into our specified bank account on the same day for each and every transfer request you submit. Transferring consumer funds from your own bank account is your obligation; you shouldn't do so from a third-party bank account. If you use a third-party bank account to transfer customer funds, we won't be responsible for any losses you or any third parties sustain.

• State customer unique ID:
  When you deposit the money straight into our bank account, it will be your duty to accurately quote your Transfer Reference Number (TRN), also known as your Customer Unique ID.

• Cash and cheques not accepted:
  You agree to make all payments to our account electronically and understand that we might not accept cash or checks.

• Pay-in methods:
  We may provide you with a variety of ways to send money to us, including online bank transfer, EFTPOS, and PayID (collectively known as "Payin Methods").Payin methods are third-party services and are not included in our money transfer offerings. We may alter or discontinue a Payin Method at any time without providing you with prior notice, and we cannot promise that any certain Payin Method will be used.

• Payment instrument:
  Your name must appear on the payment instrument. Your name must appear on any payment instrument you use with your selected Payin Method, such as a debit or credit card.

• Chargebacks:
  chargebacks for the payment method you used. If you chose a Payin method that grants you the ability to file a chargeback, you agree to do so only in the following situations:
  (a) we have violated this agreement; or
  (b) your payment instrument was used without authorization. You pledge not to use your chargeback privilege for any reason that is outside of our control, such as a disagreement with your beneficiary or a payment instrument that isn't fully funded. We may charge you for our expenses if we need to look into or take any action in relation to a chargeback that you have raised, and you agree to pay for all of those expenses.

• Settlement delays:
  Only when your money have been received into our designated bank account will your transfer requests be processed for settlement, and you understand that any delay on your side in remitting funds may cause settlement delays.

• Funds not received in time:
  We retain the right to rollover or cancel the transfer request without giving you advance notice if we do not receive the money in a timely manner. In such a case, you will be responsible for paying back any additional expenses or consequential losses, including any exchange loss resulting from the rollover or cancellation.

• Full amount:
  You understand that we are not giving up our right to demand the full amount once the Transfer Request has been approved if we agree to pay you before receiving the entire amount.

• Fund held by us:
  You understand and consent to the fact that we will not transfer your money to a different bank account or retain it in trust.

• No interest paid:
  You understand and consent to the fact that we will not give you interest on any money we hold on your behalf, whether through Pre-Funding or another method.

• Mode of pay-outs:
  According to our portal, we provide beneficiaries with payout options in a variety of ways, each of which is categorized as a distinct "payment service." The beneficiary will receive payment for your transfer request based on the payment method you selected when you made the reservation.

• Funds transmit:
  You agree that we will only use electronic methods to transfer your money.

• First-in-first-out:
  You agree that we may, at our sole discretion and convenience, issue any one payout in preference to another when many Transfer Requests are pending settlement, even though First-In-First-Out will be the standard procedure.

• Services of correspondents:
  To carry out your requests for money transfers, we could enlist the help of the correspondent or correspondents. A "Correspondent" is a bank, agency, or payment service provider that operates on our behalf, either directly or indirectly, and can be found anywhere in the world.

• Correspondents fees and charges:
  The beneficiary may receive less than the payout amount indicated on the Transfer Receipt if a Correspondent acting on our behalf deducts additional fees and charges from the funds we transfer, debiting our account with the "Correspondent" in the process. In the latter scenario, you consent to pay us back for all such fees and charges that were made to the Correspondent.

• Delivery of funds :
  Funds will typically be delivered to the beneficiary as "Bank Account Deposit" or "Cash Pick Up" within 1-3 business days (Expected Time). However, if the beneficiary's bank, branch, or payout location differs from the Correspondent Bank, it might take longer to transfer funds to the beneficiary's bank.

• Immediate cash:
  Depending on the payout location and payout partner you select, the process of paying out funds as "Immediate Cash" will typically be finished in 24 hours (Expected Time).

• Enquiry:
  You can ask us to create an investigation into the delay on your behalf if the funds are not ready to be sent to the beneficiary by the anticipated time. You will reimburse us for all costs and expenses spent by us as a result of creating, conducting, and finishing the inquiry, including but not limited to legal fees on a solicitor and client basis, in cases where the delay was not our fault.

• Delay beyond expected time
  Events beyond our control, such as cutoff times for transmissions set by the correspondent, delays or complications in the past or otherwise, delays, errors, or omissions in transit or transmissions, acts or omissions of a correspondent or any other third party, or delays and complications in an international banking or payments system, may cause the transfer of the funds to be delayed past the Expected Time.

• No claim for damages:
  To the greatest extent allowed by law, neither we nor any of our employees will be held accountable for any loss or damage brought on by delays resulting from the aforementioned circumstances, nor will we be held accountable for any actions or inactions taken while following your instructions in good faith.

• Your mistake:
  If we have followed your instructions and your mistake causes your funds to be sent to the incorrect beneficiary, we will not be obligated to retrieve the funds or resend them to the correct beneficiary account. You'll have to schedule a fresh money transfer request.

• Our mistake:
  We will take immediate action at our own expense to recover your funds if we make a mistake and send them to the incorrect beneficiary. However, if the incorrect beneficiary is related to you or otherwise connected to you, you will need to help us recover any such funds right away.

• Amendments to processed transfer request:
  Making changes to a transfer request that has already been submitted could cause delays in settlements and result in extra fees. We have complete discretion over whether or not to comply with such requests.

• Amendments to beneficiary details:
  After scheduling a Transfer Request, you must use the Portal to submit the request online if you want to change the beneficiary's information. Depending on the Transfer Request's status, the following steps could be taken:
  (a) If the Transfer Request booking is still in progress and unfinished, you will be able to make the necessary changes.
  (b) We will forward the requests whenever feasible if our correspondent has already received the payment instructions. Such demands, however, will be governed by the laws and policies of the country of destination.
  (c) No revision will be permitted if the beneficiary has already received the payment from the Correspondent before they receive the amendment requests.

• Incorrect beneficiary details:
  We will send you a notification via your registered email address if our correspondent informs us that your payment cannot be processed because you provided inaccurate beneficiary information. Without assuming any risk or liability, we will forward your appropriate revision request to our correspondent as soon as we receive it.

• Retrieve and return:
  We will do everything in our power to recover and return the money to you if you do not submit such an amendment request within a reasonable amount of time.

• Amendment charges:
  We reserve the right to make any changes, and you will be responsible for paying any additional fees.

• Cancellation confirmation:
  A Transfer Request once booked is legally binding and shall not be treated by you as cancelled in any circumstances, unless and until you receive an email or written confirmation of cancellation from us.

• Processed transfer request:
  We may not be able to stop or cancel a payment if it has already been processed by us.

• Cancellation by us:
  Any Transfer Requests booked by you may be cancelled by us under following circumstances, without notice to you;
  (a) We have reasons to suspect the genuineness of the Transfer Request or feels that the Transfer Request could contravene any regulations or policies in force.
  (b) The information or documents provided by you are incomplete or incorrect and not sufficient to proceed with the Transfer Request in a time bound manner.
  (c) You have failed to remit amounts payable to us, to our designated bank account within the stipulated time.
  (d) The payment could not be effected to the beneficiary and the funds are or will be returned by the Correspondent.

• Cancelling a booked transfer request:
  If you wish to cancel a booked Transfer Request, the request must be made online through the Portal. Based on the status of the Transfer Request, following actions will be taken;
  (a) If the payment is under processing, cancellations shall be processed as required by you.
  (b) If the payment instructions have already been transmitted to the Correspondent, shall at its sole discretion, cancel a Transfer Request subject to the condition that we should either have confirmation from the Correspondent that funds have not been and cannot be delivered to the beneficiary for valid reasons and/or you should submit satisfactory documentary proof of non receipt of funds from the beneficiary.

• Cancellation time:
  Actual time taken for completing a cancellation process may vary and is dependent on the stage or status of the Transfer Request when the request is received by us or by our Correspondents.

• Retrieve funds from beneficiary:
  If the payment has already been effected to the beneficiary by the Correspondent before the cancellation request is received by them, no cancellation will be normally possible. However, if you still wish to have the funds retrieved, wherever possible, such requests shall be forwarded by us to the Correspondent without any risk and responsibility on our part. It will be your responsibility to engage with the beneficiary to have the funds repatriated.

• Refund of cancelled transfer requests:
  While making a cancellation request, you acknowledge and agree that we may not be able to return the original Transfer Request amount in full and the amounts finally payable to you will be after deducting;
  (a) Transfer Request fees/cancellation charges of as well as that of our Correspondents,
  (b) any foreign exchange losses incurred by us or our correspondents, and
  (c) any out of pocket expenses incurred by us.

• Requirements for refund:
  In all cases of cancellations, the amounts payable to you shall be returned only after the amounts are actually received back into our bank account. If for any reason we agree to refund the amounts to you beforehand, you agree to submit to us a valid Statutory Declaration indemnifying us, as per the format prescribed by us.

• Refund only through the same channel:
  Refund on account of cancellation of Transfer Requests shall be made only to your "My Account" in our Portal through which the Transfer Request was initiated.

• Refund in the same currency:
  All amounts refunded to you shall be in the currency originally tendered and the currency conversions shall be done at the exchange rates prevailing at the time of cancellation.

• Not entitled to any gain or profits:
  You agree that you shall not be entitled to any foreign exchange gain or profit we may get on account of cancellation of a Transfer Request.

• Loss incurred by us during cancellation:
  You acknowledge that the amount of any loss realized on the cancellation of a Transfer Request is a debt payable by you and agree that we may immediately deduct the total amount of any loss (together with any expenses or other fees) from any funds we hold in relation to any Transfer Request whether in the form of a Pre-Funding or otherwise. If the amount we are seeking to recover exceeds the amount available in your "My Account" or other funds held by us, you agree to pay the balance within seven days of being notified by us of the total amount due.

• Cancellation of SWIFT Payments
  In addition to the terms mentioned above, cancellation of any transaction involving SWIFT payments is subject to the below conditions:
  (a) Cancellation Fee:
  In the event of a cancellation of a SWIFT payment (including UAE, KSA or any other corridor) a cancellation fee will apply. This fee is intended to cover administrative costs, any fees imposed by the payment partners, correspondent banks or any third-party service providers involved in the transaction, and to cover any foreign exchange (FX) losses incurred due to fluctuations in currency rates between the time of the transaction initiation and the cancellation time.
  (b) Fee Variation:
  The applicable cancellation fee will vary based on the specific details of the transaction and the timing of the cancellation request.
  (c) Processing Delays:
  There will be delays in processing a transaction and processing a cancellation request depending on the transaction status at the time of the request.
  (d) Customer Support:
  If you have any questions or require further clarification, please contact our Customer Support team
  

• Interest on unpaid amount:
  You agree that we may charge you interest on any sum that remains payable to us after we cancel any or all of your Transfer Requests at a rate of two per cent per annum over the cash rate target of the Reserve Bank of Australia (or of such monetary authority as may replace it). Interest will accrue and will be calculated daily and be compounded monthly from the date the payment was due until the date full payment is made by you.

• Fees and charges:
  When you start a Transfer Request, the Transfer Request screen shows our fees and costs for providing different services.

• Additional charges:
  The following extra fees, which are indicated next to each service, are applicable in addition to the initial service fee.

• Denominated in AUD:
  The fees listed above are in Australian dollars and do not include any fees or charges that our correspondent may impose.

• Right to change the fee/charge:
  retains the right, at its sole discretion and without prior notice, to alter the cost or charge for any service.

For clients who sign up for online services, may, at its sole discretion, offer an Account (My Account) feature. The following is your agreement if the facility is offered.

• The facility:
  You understand that My Account is merely a tool we offer to make it easier for you to keep track of all of your requests for direct money transfers with us.

• All amounts to be accounted in my account:
  Your My Account will record all of the money you send us directly and all of the payments we make at your request. In a similar vein, your My Account will also reflect any additional money you owe us or that we pay you.

• Credit to my account only:
  You acknowledge that all money owed to you by us, including cash rewards and money returned to you when a transfer request is canceled, will always be credited to your My Account.

• Current balance:
  You agree that the "Current Balance" that appears on your My Account is the most recent balance that is accessible and is the net amount after taking into account:
  (a) all monies owed to us by you for Transfer Requests that you have booked online, including those that have not yet been paid for, and
  (b) any sums owed to you by us for any Transfer Requests that have been canceled, funds that you have pre-funded, or cash rewards that you have accrued.

• Making payments to us:
  You can use any of the payment methods on our website to send money to us (i.e., to deposit money into your My Account).

• Remitting money to our bank account:
  We shall use your Customer Unique ID or Transfer Reference Number (TRN) to identify the amount whenever you transfer funds to our specified bank account. When you made the remittance, you quoted. You understand that your payments won't appear in My Account until we see the amounts on our bank account statement.

• Mistakes:
  You acknowledge that we will not be held accountable for any losses you may sustain as a result of our inability to promptly identify the funds you transferred to our bank account without accurately stating any of the reference numbers listed in item 11.6.

• Prefund:
  You are free to pre-fund your My Account with as many or as few deposits as you like. Additionally, you have the option to pre-fund your My Account and wait for the exchange rate you want to use before requesting a money transfer.

• Fund your my account well in time:
  The entire amount, including the fee, as indicated on your "Transfer Receipt," will be immediately charged to your My Account and appear in your Current Balance each time you submit a transfer request. We will pay the recipient as soon as you deposit the required funds into your My Account, and your My Account reports will show the successful transfers. You commit to paying enough into your My Account in advance so that we can handle your transfer requests as soon as possible.

• Right to deduct from your my account:
  If there are overdue debts owed to you, we reserve the right to take money out of your My Account balance or from any funds we hold on your behalf, whether through prefunding or another method.

• Surplus amounts:
  By submitting an online request to us, you can withdraw any excess funds that are available in your My Account at any time. Following a thorough verification process, the funds will be sent to your registered bank account.

• Bank account details:
  You promise to enter your bank account information and to make sure that the Portal accurately saves your bank account name, account number, and branch code. Only the most recent account information you have recorded on our portal will be used whenever we need to transfer money to your bank account.

• Withdrawal from my account:
  When we transfer money you have taken out of your My Account to your bank account, we may, in our sole discretion, charge you a transaction fee.

• Maintenance fee for dormant accounts:
  If your My Account remains dormant—that is, without any debit (payment) transactions for a full year—we may, in our sole discretion, charge you an annual account maintenance fee.

• No interest:
  You understand and consent to the fact that we will not charge you interest on the amounts that are available in your account.

• Customers who sign up for online services may have access to an app from at its exclusive discretion. You accept the following if the facility is made available to you.

• We give you a non-transferable, non-exclusive license to use the app in exchange for your agreement to abide by these terms and conditions. This license is subject to these terms and conditions, our privacy policy, and any applicable app-store terms (which are referenced in these terms and conditions) as they may be updated from time to time. All other rights are reserved.

• You consent to the following, unless specifically stated in these Terms and Conditions or as allowed by local law:
  (a) not to copy the App (unless doing so is required for backup or operational security, or is incidental to regular use of the App); and
  (b) not to rent, lease, sublicense, loan, alter, translate, merge, adapt, vary, or modify the App.

• You understand that the app was not created with your specific needs in mind, and that it is your duty to make sure the features and capabilities of the app satisfy your needs.

• We only provide the app for personal and domestic usage. We have no responsibility for any loss of profit, business interruption, or business opportunity, and you agree not to use the App for any commercial, business, or resale reasons. In particular (but not only), we disclaim any responsibility for any loss or harm to you or any other person that may arise from a delay in our processing of an instruction or from our refusal to carry out a transfer request in accordance with these terms and conditions.

• Since the app is supplied to you for free, no guarantees, conditions, representations, or other terms of any sort are made regarding it, and all statutory warranties and conditions are excluded to the greatest extent permitted by relevant law.

• To the extent allowed by law, we disclaim all liability for the following in connection with your use of the App:
  (a) any failure to provide the Services, or any loss or delay in message transmission, resulting from events beyond our control or from our responsibilities under any applicable laws, rules, or regulations.
  (b) issues with communications infrastructure that may impair the timeliness or accuracy of messages we exchange and that are not reasonably within our control.
  (c) faults in the App or the Service brought on by inaccurate or partial information you or a third party gave us; or
  (d) any loss or harm you sustain as a result of using our App on a device that has been "rooted," "jailbroken," or otherwise altered.
  

• You agree to the electronic entry of these terms and conditions as well as the possibility of electronic delivery of the following types of information ("Communications"):
  (a) these Terms and Conditions and any updates, changes, or additions to them;
  (b) your records (such as Transfer Requests) made through the Service.
  (c) any initial, recurring, or other disclosures or notices given in connection with the Service, including but not limited to those mandated by law.
  (d) any customer service correspondence, including correspondence pertaining to claims of error or unauthorized use of the Service; and
  (e) any other correspondence pertaining to the Service or .

• The Service does not require communications to be sent via non-electronic channels or on paper. You have the option to change your mind about receiving communications electronically, but doing so will end your usage of the service. You must use the contact details provided at the end of these Terms and Conditions to get in touch with us in order to revoke your consent.

• You must notify us right once if your email address changes.

• If you:
  (a) become, or we reasonably believe or learn that you are likely to become, insolvent or are declared bankrupt.
  (b) violate any of these terms and conditions.
  (c) use the service or website in a way that disrupts our other customers; or
  (d) do anything that we believe is likely to bring us into disrepute, we may immediately terminate these terms and conditions.
  (e) compromise or attempt to compromise the website's security (including but not limited to: altering or attempting to alter any information; unauthorized logins, unauthorized access to or deletion of data; interfering with the service, system, host, or network; any form of reverse engineering; spamming; hacking; falsifying data; introducing viruses, Trojan horses, worms, or other harmful programs or engines; or testing security in any manner); or (f) are using the Service in connection with fraudulent, unlawful, or unethical behaviour, or allowing a third party to do so, in the reasonable opinion of .

• Termination by you: Account Deletion Policy
  (a) You must formally request the deletion of your account using the delete account option found on the My Profile tab.
  (b) To guarantee the security and legitimacy of your account deletion request, we will confirm your identity after receiving it.
  (c) Your account will be marked for deletion after your identification has been confirmed. Please be aware that it could take up to 14 business days to finish this process.
  (d) Please be advised that even though your account has been deleted, we must nevertheless follow the record-keeping guidelines established by AUSTRAC (Australian Transaction Reports and Analysis Centre).
  (e) Certain transactional and customer data must be kept for seven (7) years beyond the date of the transaction or account closure in accordance with AUSTRAC requirements.
  (f) As a result, even though your account might be removed from our operational systems, we will save the relevant documentation on your transactions and account activity for as long as AUSTRAC specifies.
  (g) Subject to applicable laws and regulations regarding data privacy and security, you may seek access to the records kept in compliance with AUSTRAC policies during the retention term.
  (h) Written requests to view retained records must be submitted, and they will be handled in a timely manner.

• Promos :
  We may occasionally introduce business promotion programs (henceforth referred to as "Promos") under various names or titles that are aimed at current or prospective clients (henceforth referred to as participants under this paragraph). The marketing materials or our website or portal will contain the specific terms and conditions for each of these promotions. Only those who completely understand and accept the accompanying terms may attempt to take part in such promotions.

• Business objectives or targets:
  We shall do everything in our power to fulfill our responsibilities under the promotions, and we may provide participants prizes or awards for reaching specific business goals or targets.

• Prizes and rewards:
  Any awards or prizes we may offer are given as a gesture of goodwill at our sole discretion and are gifts from us that are worth more than the participant is legally entitled to under all of our contracts and agreements.

• Awarded items:
  We disclaim all liability for the caliber, manufacture, functionality, and upkeep of the prizes given to participants.

• Changes:
  We may, at our sole discretion, change, alter, delete, cancel, or extend any or all of the conditions of the promotions if circumstances so justify. We may do this by personally informing the participant or participants or by posting notice of the change on the Portal or Website.

• No right to claim:
  In the event that we are unable to fulfill our duties under the promotions for any reason, the participants will not be entitled to any kind of award, prize, or reimbursement from us.

• Excluded participants:
  (a) The Promoter's staff, partners, subsidiaries, and representatives, including their close relatives;
  (b) The Promoter's affiliates; and
  (c) Any individual or organization having a formal relationship with the Promos;
  

• Privacy:
  Subject to the Privacy Policy, we reserve the right to confirm the winners' eligibility. For further information, see the "Privacy Policy" section of for more details

• Decision binding:
  Every choice we make regarding the Promos will be final and enforceable against you.

• Delay in payments:
  You understand that our services use technical platforms, middlemen, and the internet, all of whose performance is beyond our control. Even while we work hard to guarantee the quality and promptness of the money transfer services we provide, we are unable to guarantee that money transfers will always occur on schedule.

• Damage or loss :
  You acknowledge that we won't be responsible for any harm or loss you sustain as a result of your beneficiary's payment being delayed or our inability to transfer funds on your behalf.

• Liability actual amount only:
  The amount you have actually paid us for any specific Transfer Request and/or the money we hold on your behalf through Pre-Funding or otherwise will always be the maximum of our responsibility to you.

• Your indemnity:
  You commit to paying us back for any damages, fees, or charges we could incur if you don't fulfill your end of the bargain. This covers any legal fees we might have to pay to uphold our rights or get back any money you owe us. Additionally, you consent to hold us harmless from any fees, expenses, fines, penalties, damages, duties, and taxes imposed by third parties—including those imposed by our Correspondents—in connection with the Transfer Request you submit, regardless of whether you were informed of them beforehand.

• Our indemnity:
  We agree that if we make a mistake and send your money to the wrong account, we will reimburse you and keep you covered for the recovery of those funds. We will also take immediate action at our own expense to recover the funds, but only if you act quickly to help us recover any such funds if the incorrect beneficiary is connected to you or otherwise associated with you.

• If we make a mistake:
  You should first file your complaint using our Portal in order to alert us to any errors we may have made or any instances in which our services fall short of your expectations. Most of the time, we can address your issue right away. We shall assume responsibility for working with you to remedy the issue within 21 working days if we are unable to do so right away. In the event that this is not feasible, we will update you on our progress and the time needed to address your complaint.

• Internal dispute resolution process
  (a) Complaints: You can file a complaint with us online or in writing, ideally using the Transfer Reference Number (TRN).
  (b) Senior Team Escalation: When you file a complaint, we will try to address the problem. Senior members of our team will be consulted if the issue cannot be addressed at the initial point of contact or following a reasonable inquiry and discussion with you. Should you remain unhappy with the result, you will be asked to supply:
  (i) a written notice outlining the complaint's specifics, the intended resolution, and the course of action you believe will resolve it;
  (ii) all pertinent evidence to back up the grievance; All written grievances must be delivered to Unit 2/8 Deshon St., Whitfield, QLD 4870, Australia, and addressed to the General Manager.

• Investigation:
  We will do the following after receiving written notice ("Lodgement Date"):
  (a) give a written acknowledgement of receipt and a timeline for our response to the complaint within 15 days of the Lodgement Date;
  (b) think about and look into the circumstances surrounding the complaint;
  (c) give you any pertinent, non-confidential information pertaining to the complaint upon request; and
  (d) communicate with you in order to settle the complaint in a timely and equitable manner.

• Managers obligation:
  The General Manager is required to:
  (a) give you written notice of the decision regarding the complaint;
  (b) give you written justification for the decision;
  (c) describe the remedies, if any, that are available to you; and
  (d) inform you of any additional complaint avenues no later than 45 days after the Lodgement Date. We will swiftly furnish you with information about any remedies you may have, whether it be financial or otherwise. We will notify you of the reasons for the delay if the complaint is not resolved within 45 days of the lodgement date.

• Further queries:
  If you would want more information about how we internally handle complaints, you can reach out to the Customer Services department. Alternatively, you can escalate the complaint to the Chief Executive Officer, who will then forward it to the Compliance Officer at the same address.

• Mediation:
  You consent to mediation with our Compliance Officers, which is a mutually respectful step in our internal dispute resolution process, in order to reach a mutually agreeable resolution at any point during the disagreement that is acceptable to both parties.

• Exclusion of AFCA Jurisdiction:
  The Australian Financial Complaints Authority (AFCA) has no jurisdiction over any problems or disagreements that may arise under these terms and conditions.

• AML/CTF compliance :
  AML/CTF laws apply to us. In light of this, you agree that we may disclose any personal information we may have on you in accordance with AML/CTF laws.

• Collection of information by us:
  You agree to comply with all reasonable requests for further information and assistance in order to help us comply with the AML/CTF laws in Australia or a comparable foreign jurisdiction. We have the right, at any time and in our sole discretion, to refuse to offer our services to you if you do not give us the information we need to get from you under the AML/CTF Laws.

• Source of income:
  requests are only started if the remitter's authenticity is confirmed, proving their source of income and/or persuading them that the requests are being made for legitimate reasons. After filing a money transfer request, or upon request, scanned copies of legitimate supporting documentation must be given to us or uploaded through the Portal. will only handle such a transfer request after verifying that all rules are being followed.

• Right to refuse to provide our service:
  It is strictly forbidden for anybody to use our portal or services for illicit or fraudulent reasons. You promise not to intentionally violate any of the AML/CTF laws, regulations, or other ancillary instruments. You promise to let us know if you learn of anything that could violate the AML/CTF laws. Additionally, as part of our Ongoing Customer Due Diligence, you agree not to submit any Transfer Requests that exceed the threshold limit that we have set.

• No grounds for suspicion:
  You agree that the money you are sending will either be used to finance or be connected to such illegal activities, or that you are not aware of or have any reason to suspect that the money is coming from or related to money laundering, financing terrorism, or other similar illegal activities.

• Your obligation on AML/CTF compliance:
  You affirm and agree that there will be no legal violations in Australia or any other nation when we pay the beneficiary the money you have instructed us to do.

• Freezing or blocking transfer of funds :
  We will not be held responsible for not processing or fulfilling your transfer requests, but we may delay, block, or refuse to process them or to make payment if we have a reasonable suspicion that doing so would violate any laws in Australia or another country.

• Indemnity on freezing or blocking transfer of funds :
  If we are held accountable to a third party for the freezing or blocking of your account, you promise to reimburse us.

• Interpretation:
  The definition of "personal information," as used in this section, is identical to that found in the Privacy Act of 1988.

• Who may receive your information:
  In order to support our relationship and company operations, we must collect your information. Without the Personal Information that we request you to provide, we would not be able to provide you our services. You agree that we will usually disclose Personal Information of the kind that comprise or will comprise your Personal Information to any of the following types of organizations or individuals.
  (a) Suppliers, contractors, correspondents, and outside advisors that we occasionally work with to carry out our operations or who help us do so;
  (b) Your executor, administrator, trustee, guardian, or lawyer;
  (c) Regulatory bodies, government agencies, and law enforcement agencies; and
  (d) Other parties to whom we are legally permitted or obligated to disclose Personal Information.

• Consent disclose information:
  You agree and consent to us disclosing your personal information to any of these kinds of organizations for any of the aforementioned uses, subject to any limitations placed on us by the Privacy Act 1988.

• Access and update personal information:
  In accordance with our Privacy Policy, which is posted on the website, you can see and/or update your personal data.

• Photographic identification required:
  Please provide a certified copy of a photo ID, such as a passport or driver's license, if you are asking to view personal documents. This will help us complete your request. According to the Privacy Act of 1988, access may be granted or denied.

• Legal requirement of personal information:
  We only gather personal information through fair and legal means, and we make sure that any information we gather is protected in accordance with the Privacy Act of 1988.

• Compliance with AML/CTF act :
  Any personal data collected may also be used to monitor compliance with the AML/CTF Act, its regulations, and its laws.

• Disclosing personal information to authorities:
  When needed by law in Australia or any other place where authorized or required by another law, we may disclose personal information you supply to authorities.

• If you are an individual:
  By applying for this service, if you are an individual, you acknowledge and agree to the following:
  The primary reasons we gather and will continue to gather your information are
  (a) the initial setup of the services and
  (b) the administration and ultimate completion of the service.
  

• Regulatory requirements:
  In addition, you agree that we may use or disclose your information for the following additional purposes, regardless of whether you are an individual or a business:
  (a) carrying out our internal administration and operations, such as accounting, risk management, record-keeping, archiving, system development and testing, credit scoring, and staff training;
  (b) adhering to legal and regulatory requirements; and
  (c) preventing and looking into fraud or crime to safeguard your interests and our interests.
  

• Data storage:
  Although we take all reasonable precautions to prevent unauthorized access to the information we collect and keep electronically, we are unable to assume responsibility for unauthorized use or access to your personal data.

• Retention of records:
  In compliance with applicable laws, we may retain or erase any information we collect, including transcripts or phone recordings.

• Recording telephone conversations:
  You agree that we may use the recordings as evidence in any future or potential dispute between us, and that any phone calls between us may be electronically recorded without an automated warning tone or message.

• In the event of an earthquake, flood, fire, storm, natural disaster, act of God, war, terrorism, armed conflict, labor strike, lockout, or boycott, neither party shall be considered in default under this agreement, nor shall it hold the other party accountable for any cessation, interruption, or delay in the performance of its obligations under this agreement, with the exception of our remittance obligations under this agreement. The party giving written notice must, at the latest, do so within five (5) days of discovering the event in question and take all reasonably necessary actions to lessen the effects of the force majeure event upon which the notice is based.

• The Principal place of is (ABN: )

• Notices:
  If this agreement calls for written notification, it may be sent by email, fax, or postal mail. For a fax or email, proof of posting will be proof of reception on the day of dispatch; for a postal delivery, proof of receipt will be two days after the date of posting. The last known postal address, email address, or fax number you provided to us will be used to send documents.

• Changes:
  By publishing the updated terms on our website, we may change any of the provisions of this agreement. Your current rights and obligations will be unaffected, but going forward, you will be subject to the updated terms in any Transfer Requests you make.

• Governing law and jurisdiction:
  The laws of the State of Victoria shall govern the interpretation and enforcement of this agreement. Each party irrevocably agrees that the courts and tribunals in the State of Victoria's capital city will have the sole authority to decide any disputes arising under this agreement.