Terms & Conditions and Privacy Policy

1. Introduction and acceptance of terms

Welcome to our money transfer service. These Terms and Conditions (“Terms”) govern the access to and use of our website and services (“Services”). By accessing our website or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy and any other policies referenced herein. If you do not agree with any part of these Terms, you must not use our website or Services. Using the Services indicates that you accept these Terms and agree to follow them.

These Terms constitute a legally binding agreement between you (referred to as “you” or “User”) and the service provider (referred to as “the Company,” “we,” “us,” or “our”). The Company provides general money transfer services as described below. You should print or save a copy of these Terms for your records. We may also communicate with you electronically (e.g., via email or website notices), and you agree that such electronic communications satisfy any legal requirement that communications be in writing.

By using the Services, you confirm that you have the legal capacity to enter into this agreement. If you are using the Services on behalf of an organization or another person, you represent that you have the authority to bind that entity to these Terms, and “you” in these Terms will refer to that entity. If you do not agree to these Terms, do not use the Services.

2. Eligibility 

To use our Services, you must meet the following eligibility criteria:

1) You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Services. By using our Services, you represent and warrant that you are 18 or older. If you are under 18, you may only use the Services under the supervision of a parent or legal guardian who agrees to be bound by these Terms.

2) Our Services are intended for users who are residents of the Australia or are accessing the Service from within Australia. We may accept users from other jurisdictions at our discretion, provided that using the Service is not illegal in those jurisdictions. You are responsible for ensuring that your use of the Services complies with all laws and regulations applicable to you in your locality. We may restrict or refuse the Service in certain countries or regions, especially if prohibited by law or sanctions.

3) You must be legally capable of forming a binding contract. By entering into this agreement, you confirm that you are not barred from using our Services under any applicable laws. You also confirm that you are not located in, under the control of, or a national or resident of any country subject to economic sanctions or embargoes, and that you are not on any restricted persons lists (such as the HM Treasury sanctions list or other equivalent lists).

3. Description of services

Our Company offers an online platform and related services that enable users to send and receive money, generally for personal remittance purposes. The Services include facilitating domestic and international money transfers initiated by users via our application (when avaliable) to designated recipients. We act as a payment intermediary, executing your payment instructions to transfer funds to your chosen beneficiary. This may involve currency conversion and forwarding the funds through our network of banking partners or payout agents to ensure your recipient obtains the money.

Additional information about how to initiate transfers, payment methods accepted, transaction limits, and other operational details can be found on our website and in our FAQs. While we strive to provide a secure and accessible service, we do not guarantee continuous, uninterrupted access to the Service (see Section 8 on Disclaimers). All transactions are subject to compliance checks and other verification processes described in these Terms. We reserve the right to refuse to process or to cancel any transaction as required by law or as otherwise provided in these Terms.

Please note: The description above is a general overview of our Services for convenience and does not list every feature or functionality. The Services may evolve over time, and any new features will also be subject to these Terms (unless stated otherwise). Always refer to our website for the most current information about the Services.

4. Regulatory disclosure

The Company is regulated in Australia. AUSTRAC is Australia’s financial intelligence agency and regulator responsible for enforcing anti-money laundering and counter-terrorism financing laws in the remittance and financial services industry. This means the Company is enrolled and registered with AUSTRAC as a remittance service provider and adheres to Australian regulatory standards for customer due diligence, record-keeping, and reporting of suspicious activities in order to combat money laundering and terrorism financing. We comply with the Anti-Money Laundering and Counter-Terrorism Financing Act and related regulations as administered by AUSTRAC.

If you are a UK or EU-based company, please be aware that our regulatory supervision is Australian (AUSTRAC) and not British or European. Use of our Service is at your own risk with this knowledge in mind. We disclose our regulatory status here so that you are informed about the nature of our supervision and licensing. For any questions about our regulatory status, you may contact us (see Section 12 for contact details).

6. User obligations and prohibited activities

When using our Services, you agree to the following obligations and rules of conduct. Violating these obligations may result in suspension or termination of your account (Section 9) and potential legal consequences.

6.1 Your obligations

1) You must provide true, current, and complete information about yourself as required during account registration, identity verification, and transaction processing. This includes your full name, residential address, contact details, date of birth, and any identification documentation we request. You must also provide accurate information about your transaction details, such as the recipient’s full name and contact or bank details. You agree to promptly update any information that has changed (e.g., if you move address or change phone number). We rely on the information you provide, and you are responsible for any consequences (such as funds being misdirected) if the information is incorrect or outdated.

2) You are responsible for maintaining the confidentiality and security of your account login credentials (username, password, and any two-factor authentication tools). Do not share your account or password with anyone else. You must notify us immediately if you suspect any unauthorized access to or use of your account. We will never ask you for your password, so beware of phishing attempts. You are liable for all activities conducted through your account (except where it is proven that the Company is at fault for a security breach).

3) You agree to use the Services only for lawful, legitimate purposes. All activities conducted through our Service must comply with all applicable laws and regulations. You must cooperate with us in ensuring compliance with laws, including providing information for know-your-customer (KYC) checks or source of funds inquiries when asked. If we request additional documents or information to verify your identity or a transaction (for example, if you plan to send a large amount or if we have compliance concerns), you agree to provide the requested information promptly and honestly.

4) In using our Service, you may not violate any other agreement you have with a third party (for example, your bank’s terms or card issuer’s terms). It is your responsibility to abide by your own financial service providers’ rules when using our Service to send or receive funds from those accounts.

5) You are responsible for ensuring that the devices you use to access the Service (computer, mobile phone, etc.) are secure and free of viruses or malware. You must not use the Service in a way that could harm our system – for example, by introducing viruses or by attempting to gain unauthorized access to our platform (see also Prohibited Activities below).

6.2 Prohibited activities

When using our Services, you must NOT engage in any of the following activities:

1) Do not use the Service to commit or facilitate any unlawful act. Prohibited uses include butare not limited to: fraud; money laundering; tax evasion; financing of terrorism or other criminal activities; sending or receiving funds that are proceeds of crime; or any transaction that would violate sanctions or export control laws. You expressly agree that we have the right to immediately suspend or terminate your account and/or any transaction, without notice, and report any suspicious or illegal activity to law enforcement or regulatory authorities if we suspect you are using the Services for prohibited purposes.

2) You must not provide false, misleading, or deceptive information to us or anyone else in connection with our Services. Do not impersonate any person or entity, or falsely state or misrepresent your identity or affiliation with another person or entity. The name you provide us must match the name on your identification documents and the name of the financial accounts you use to send or receive money. Using aliases or attempting to hide your identity is prohibited.

3) You must not use the Service on behalf of or for the benefit of any third party who is not an approved recipient of your transfer. In other words, you should only send money from your own accounts and funds, and only for the intended recipient you declare. Similarly, you should not request others to send money on your behalf through their accounts. Our Service should not be used as a method to move money for someone else (this could be perceived as unlicensed money service business or money laundering layering).

4) Certain types of transactions are not allowed. You agree not to use the Service for sending or receiving payments related to: illegal gambling or betting; the sale or purchase of illegal goods or substances; pornography or exploitation; firearms or other weapons; or any other activities that are illegal or that we notify you are banned. Additionally, you may not use the Service to send money to countries or individuals subject to sanctions, trade restrictions, or embargoes imposed by the UK, EU, UN, US, or Australian authorities. We reserve the right to refuse any transaction we believe is high-risk or violates any law or these Terms.

5) You must not abuse, exploit, or interfere with the Service or its security. This includes: attempting to circumvent our security measures or filters; attempting to test or probe the vulnerability of our systems (penetration testing) without authorization; using any robot, scraper, or other automated means to access the Service for any purpose without our express permission; taking any action that imposes an unreasonable load on our infrastructure; or introducing any malware, viruses, trojans, spyware or any other malicious code into our website or systems. You also must not engage in any activities that could harm, disable, overburden, or impair the Service or interfere with any other party’s use of the Service.

6) You shall not attempt to gain unauthorized access to any portion of our website, Services, or any related systems or networks, or to any of the information or data contained therein. Any attempt to access another user’s account, or any confidential data, without permission is strictly prohibited and may be a criminal offense. We will report any such activity to the relevant law enforcement authorities and cooperate with them by disclosing your identity and any other necessary information.

7) You are not permitted to resell our Services or information, or to use the Services for any commercial purpose not expressly permitted by us. The Service, including the website content, is provided for your personal use only. You must not exploit or use any portion of the Service for commercial gain, such as by scraping our rates or information and redistributing them, or by offering the Service to third parties as part of any service bureau or outsourcing arrangement without our prior written consent.

You agree to cooperate with any investigation we or any government authority may conduct into your use of the Service. This may include providing information about transactions, completing additional verification steps, or pausing transactions while an investigation is ongoing. Your failure to comply or cooperate may result in your use of the Service being limited or terminated.

We take compliance and security seriously. If you violate any of the above User Obligations or engage in Prohibited Activities, we may take action including refusing to process a transaction, reversing or freezing a transaction, closing or suspending your account, and reporting the incident to authorities or other financial institutions as appropriate. You may also be exposed to legal liability for such violations. You agree that we shall not be responsible for any losses incurred by you as a result of us taking such actions.

7. Data protection and privacy

Your privacy is important to us. We are committed to protecting your personal data and using it only in compliance with applicable data protection laws. Please review our Privacy Policy, which is hereby incorporated into these Terms by reference, for detailed information on how we collect, use, store, and disclose your information. By using our Services, you consent to the collection and use of your personal data as described in the Privacy Policy and in these Terms.

Key points regarding data protection include:

1. We are subject to the Australian Privacy Act 1988 and the 13 Australian Privacy Principles (APPs) under that Act. These principles govern how we collect, use, disclose, and store personal information, as well as how individuals may access and correct their information. Any cross-border transfer of personal data will also comply with applicable Australian requirements for overseas data transfers.

2. We comply with the EU General Data Protection Regulation (GDPR) and the UK Data Protection Act 2018, as well as other relevant data protection laws. This means we implement appropriate technical and organizational measures to safeguard personal data, and we ensure that any personal information you provide is processed lawfully, fairly, and transparently. Our Privacy Policy is GDPR-compliant and explains the rights you have in relation to your personal data (such as the rights to access, correct, or delete your data, subject to applicable law) .

3. We will collect and process personal information that is necessary for the provision of Services and for compliance purposes. This includes information you provide when registering or transacting (like your identity details and your recipient’s details) as well as information we collect through your use of the Service (such as transaction history, usage logs, and device information). We use this data to provide the Service to you (e.g., to execute your transfers and keep records), to communicate with you, and to meet our legal obligations (for example, verifying identity to prevent fraud and money laundering).

4. We may share your personal data with third parties in certain circumstances: with service providers and partners who help us operate the Service (for example, banking partners, identity verification services, customer support tools), with regulatory and law enforcement agencies as required by law, or with your consent. For instance, under anti-money laundering regulations, we might be required to share information about you or your transactions with AUSTRAC or other relevant authorities. We will only disclose the data that is necessary and will do so securely and lawfully.

5. As a global service, the data you provide may be transferred to or stored in countries outside of your home country, including countries outside the UK or European Economic Area. For example, since we are regulated in Australia, some data may be stored or processed on servers located in Australia or other jurisdictions. When we transfer personal data internationally, we take steps to ensure appropriate safeguards are in place (such as Standard Contractual Clauses or other legal mechanisms under GDPR) to protect your information.

6. We employ industry-standard security measures to protect personal data from unauthorized access, alteration, disclosure, or destruction. This includes encryption of sensitive data, secure hosting environments, and regular security assessments. However, no system can be 100% secure. You also play a role in security – please protect your account credentials and notify us immediately of any suspected unauthorized activity on your account. We are not responsible for breaches of data arising from your failure to adequately secure your own account or devices.

7. We will retain your personal data for as long as necessary to fulfill the purposes for which it was collected, which include providing the Services to you and complying with legal obligations (such as record-keeping requirements under anti-money laundering laws). Even after you close your account or cease using the Service, we may retain certain data as required by law or for legitimate business purposes (e.g., to maintain transaction records, respond to disputes, or prevent fraud).

For more information, please refer to our full Privacy Policy on our website. If you have questions or requests regarding your personal data or our privacy practices, you may contact us as described in the Privacy Policy or using the contact information in Section 12. By agreeing to these Terms, you also agree to our data practices as outlined in the Privacy Policy. Your use of the Service indicates your consent to the processing of your personal information in accordance with these Terms and our Privacy Policy.

8. Limitation of liability and disclaimers

PLEASE READ THIS SECTION CAREFULLY, as it limits the liability of the Company and contains disclaimers of warranties. Nothing in this section is intended to limit any rights you may have under statutory law that cannot be limited by contract.

Nothing in these Terms excludes, restricts or modifies any guarantee, right or remedy you may have under the Australian Consumer Law (Competition and Consumer Act 2010) or other applicable law that cannot be excluded by agreement. For Australian consumers, our services come with consumer guarantees that cannot be excluded. You are entitled to those statutory guarantees, and these Terms will be read subject to them

8.1 Disclaimers of warranties

The Services (including our website and any mobile applications) are provided on an “as is” and “as available” basis, without any guarantees, representations, or warranties of any kind, whether express, implied or statutory. To the maximum extent permitted by law, the Company disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the Services will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected.

While we strive for accuracy and reliability, we make no warranty or representation regarding the accuracy or completeness of any information or content provided through the Service, including exchange rates, transfer time estimates, or recipient details. All information and services provided are subject to change without notice. The Company does not warrant that the Services will meet your requirements or expectations, or that any results obtained from the use of the Service will be accurate or reliable.

You assume all risk for any actions taken based on information or services provided. For example, you acknowledge that any estimate of when funds will arrive to a recipient is an approximation and not a guarantee; delays can occur due to banking systems or other factors beyond our control. No advice or information (whether oral or written) obtained by you from us shall create any warranty not expressly stated in these Terms.

8.2 Limitation of liability

To the extent permitted by law, the Company’s total liability to you for any and all claims arising out of or in connection with your use of the Services or these Terms will be limited to the amount of the single money transfer transaction in dispute, or the fees paid to the Company for that transaction (if applicable), whichever is greater. In other words, the maximum compensation for any proven loss or damage you suffer in relation to a specific transfer will not exceed the value of that transfer and any service fees charged for it. If your claim does not relate to a specific transfer, our liability will be capped at an appropriate and equivalent amount reflecting the fees you paid for use of the Service in the relevant period, or £100 (GBP), whichever is lower, unless a different minimum amount is required by law.

The Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, loss of business, loss of goodwill, loss of data, or other intangible losses, arising out of or relating to your access to or use of (or inability to use) the Services. This exclusion applies even if such losses were foreseeable or if we have been advised of the possibility of such damages. For example, we will not be liable for losses or damages resulting from: delays or failures in delivering funds due to circumstances outside our control (such as failures in banking networks, power outages, or communications systems interruptions); your reliance on any information obtained through the Service; any unauthorized access to or use of our servers or of any personal or financial information stored therein (except to the extent we failed to use reasonable security measures as required by law); or any malware or viruses transmitted through our website by third parties.

We do not exclude or limit liability which cannot be excluded by law. This means that nothing in these Terms shall limit or exclude our liability for: death or personal injury caused by our negligence; our fraud or fraudulent misrepresentation; or any other liability to the extent that the law does not allow it to be excluded or limited. However, to the extent permitted by law, we exclude all liability for any loss or damage that is not reasonably foreseeable.

If you are using the Service as a consumer (for personal use, not business use), you may have certain rights under local law that cannot be excluded. These Terms do not affect any statutory rights you have as a consumer. 

You agree that you shall be responsible for any loss or damage we suffer as a result of your breach of these Terms or your misuse of the Services. You will indemnify (reimburse) us and our affiliates, and our respective directors, officers, employees, and agents, for any third-party claims and all losses, fines, or costs (including reasonable legal fees) incurred by us as a result of your violation of any law or regulation or your breach of these Terms. This means if a third party (or regulator) makes a claim against us because of something you did in violation of these Terms or applicable law, you will cover our losses and expenses to the extent that we were not at fault.

8.3 Additional disclaimers

Because our Services involve the movement of money, there are some additional things we cannot be responsible for:

1) Once we send your money to the recipient’s bank or payout provider, we do not have control over the banking system or delivery channels. Delays or issues that arise after we have processed the transfer (for example, a recipient’s bank holding funds or local holidays delaying receipt) are outside our control. We will, however, use reasonable efforts to trace missing or delayed payments and keep you informed.

2) If for some reason a transaction is reversed or refunded, we are not liable for any difference in exchange rate between the time of the original transaction and the time of reversal. Currency values fluctuate, and you accept that risk when you initiate a conversion. We also will not be responsible for any fees or losses incurred because you provided incorrect account details or other recipient information – if a payment is sent to the wrong account due to your error, we will attempt to assist you in recovery, but we may not be able to retrieve the funds.

3) We may periodically schedule system maintenance or experience technical issues that could interrupt the Service. We will attempt to provide notice of major downtime, but emergency maintenance or outages may occur. We are not liable for any losses due to you being unable to access the Service or complete a transaction during such time. We do not guarantee compatibility of our Service with all devices or browsers—please ensure you are using an up-to-date platform.

4) Our website might contain links to third-party websites or resources that are not owned or controlled by us (for example, identity verification services, or informational blogs). We provide these links for convenience only and do not endorse any content, advertising, products, or other materials on or available from such sites. We are not responsible or liable for any third-party services, and your use of those will be governed by their own terms.

In summary, use of our Service is at your own risk. The Company’s liability to you is limited as described above. We strongly encourage you to use the Service responsibly, double-check recipient details, and only send money to people you know and trust. If you have questions about any of the limitations or this section, please contact us for clarification before using the Service. By continuing to use the Service, you acknowledge and accept these disclaimers and liability limits.

9. Termination and suspension

9.1 Termination by you

You may stop using our Services at any time. If you wish to terminate your agreement with us and close your account, you may do so by contacting our customer support or using any account closure functionality provided on our website (if available). We may require you to provide verification of your identity before closing the account. Termination of your account will not relieve you of any obligations to pay any outstanding fees or resolve any pending transactions. If you have any transactions in progress at the time of termination, we may cancel them (and refund your money if possible, subject to compliance checks) or we may complete them at our discretion, as long as doing so is lawful.

If you simply cease using the Service, note that we may retain your information and transaction records as required by law (see Section 7 on Data Protection) even if your account is deactivated or terminated.

9.2 Termination or suspension by the company

We reserve the right to suspend or terminate your access to the Service at any time, with or without prior notice, under the following circumstances or for any other reason in our discretion:

1) If you violate any of the provisions of these Terms or any applicable law, or if we have reasonable grounds to suspect that you have done so, we may immediately suspend your account and/or terminate this agreement. For example, if you engage in any Prohibited Activities (Section 5.2) or fail to fulfill your obligations (Section 5.1), this is cause for suspension or termination.

2) If we detect or suspect that your account has been or may be involved in any fraudulent, illegal, or unauthorized activities, we may suspend your ability to use the Service while we investigate. This includes if your identity or payment information cannot be verified, if we suspect money laundering or security issues, or if transactions deviate significantly from your normal usage patterns in a way that causes concern. We may also block specific transactions pending review.

3) We may suspend or terminate the Service for you if required to do so by any law enforcement, court order, or regulatory authority, or under instructions from AUSTRAC or other regulators. Likewise, if continuing to provide the Service to you would cause us to violate any law or regulatory requirement (for instance, if you become a resident of a country we cannot serve or are identified as a sanctioned individual), we will terminate the service to you.

4) If your account use poses a security, credit, or fraud risk to us or our other customers, or if you are abusing our Service (for example, by trying to game the system or exploit loopholes, or by harassing our staff), we may suspend or terminate your access. Ensuring the overall integrity and safety of our platform is paramount.

5) We reserve the right to close accounts that have been inactive for an extended period of time (for example, if you have not logged in or made a transaction in over 12 months), especially if we are unable to contact you. If funds remain in an inactive account, we will attempt to notify you before closing the account and will refund any remaining balance to your linked bank account or through another method (except as otherwise required by law, such as escheatment to a state authority for unclaimed property, in which case we will comply with applicable laws).

When we suspend or terminate your account, generally we will attempt to notify you of our actions and, where possible, the reasons for it, via the email or phone number associated with your account. However, in some cases we might be legally restricted from informing you (for example, if notified by authorities in a money-laundering investigation), or we may not be able to reach you.

Upon termination of your account, you must immediately cease using the Services. Any rights that have accrued to either party at the date of termination will remain in effect (for example, our right to recover fees owed or your right to get a refund if applicable). If there are any pending transactions at the time of termination, we will handle those in accordance with legal requirements and our internal policies (which may include cancelling the transactions and returning the funds to the sender, subject to deductions for applicable fees and subject to clearance of those funds). Any license or permission you had to use our software or website content ends immediately upon termination; you must not attempt to access the Service after your account is closed.

The Company shall not be liable to you for any compensation, reimbursement, or damages in connection with any termination of this Agreement or suspension of your use of the Service, whether or not for cause. Termination of the Service for any reason shall not release you from any liability or obligation incurred prior to the date of termination, which includes any obligation to pay fees or amounts owed to the Company.

If you believe we have suspended or terminated your account in error, you may contact customer support to request reconsideration. We may, at our sole discretion, reactivate accounts or reverse decisions, but are under no obligation to do so.

10. Governing Law and Jurisdiction

These Terms and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or their subject matter shall be governed by and construed in accordance with the applicable laws of the Commonwealth of Australia, without giving effect to any conflict of law principles that might apply the laws of another jurisdiction. We choose Australian law because the Company is incorporated in and operates from Australia and is subject to Australian regulations because the website is intended for Australian users and we wish to ensure a consistent legal framework for our Terms. However, we acknowledge our regulatory obligations in Australia and the importance of other legal frameworks as explained below.

If you are a company residing in a jurisdiction outside Australia that mandates certain protections or dispute resolution rights (for example, the right to bring a claim in your local courts under consumer protection laws), nothing in this Governing Law clause is intended to limit or override those rights. In particular, UK and EU clients may have rights to pursue claims in their home jurisdiction under UK or EU laws, and these Terms will be construed subject to such laws.

Nothing in these Terms affects the applicability of public regulations or regulatory oversight by authorities in Australia or other jurisdictions. For example, any enforcement action by an Australian regulator would occur under Australian law in Australia. This clause is about private disputes between you and us, which we set under Australian law.

By agreeing to these Terms, you and the Company agree that the courts of Australia shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or the Services. This means that if you have a dispute with the Company that leads to legal action, it will generally be brought in the courts of Australia.

Our Company is registered and regulated in Australia (as noted in Section 4). As such, we also operate under Australian laws and regulations, particularly in relation to anti-money laundering and counter-terrorism financing. Nothing in these Terms shall be interpreted in a manner that would require us or you to violate Australian law. In practice, the contractual relationship with users is governed by Australian law as stated, but our compliance with Australian regulatory requirements is an important aspect of our Service. In the unlikely event that a legal issue must be resolved under Australian law (for example, a regulatory enforcement by an Australian authority), such matters would be handled in Australia under Australian jurisdiction. However, any private dispute between you and the Company (such as a claim for breach of these Terms) will be handled under the governing law and jurisdiction specified above (Australian law and courts), except where mandatory local law dictates otherwise.

We acknowledge that we operate a service that crosses borders. We endeavor to adhere to applicable laws and regulations in all jurisdictions where we do business, including consumer protection laws, anti-money laundering laws, and data protection laws (as discussed in Section 7). If any provision of these Terms is invalid or unenforceable under the laws of a particular jurisdiction, that shall not affect the validity of the other provisions, and the invalid provision will be deemed modified to the minimum extent necessary to make it enforceable (or severed if modification is not possible), without affecting the remaining Terms.

Subject to any rights you may have to bring disputes in other jurisdictions under mandatory law, you and the Company agree that any dispute or claim will be resolved by the courts of Australia. You agree not to file or pursue any class action or representative action against the Company. Any claim you have against us must be brought in your individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding.

11. Changes to terms

We reserve the right to amend or update these Terms and Conditions from time to time. The world of financial services is dynamic, and changes in law or changes in our business may require us to modify our Terms. When we make changes, we will do the following:

1) We will post the revised Terms on our website with an updated “Last Updated” date (at the top of this document). For significant changes that affect your rights or obligations, we will take additional steps to notify you, such as by sending an email to the address associated with your account or by displaying a prominent notice within the Service.

2) Any revised Terms will become effective at least 15 days after they are posted (or sooner if required by law or if the changes relate to newly introduced features or for urgent legal reasons). We will indicate the effective date of the updated Terms. If you continue to use the Services after the effective date, that constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using our Services before the changes take effect and, if desired, close your account as per Section 9. Using the Services after the changes take effect will bind you to the new Terms.

3) If we make a material change (for example, a change that significantly impacts your rights, such as changes to fees or allowed uses), and you do not agree, you have the right to terminate the Service before the change applies to you. In such cases, you may be entitled to a prorated refund of any pre-paid fees or remaining balance, if applicable, subject to our legal and compliance obligations (for instance, we may need to verify your identity before refunding). We will include information in our notice about how to respond if you object to a material change.

4) Not all changes will be significant. Sometimes we may update these Terms to clarify a provision or to address a minor administrative change. These kinds of changes will typically be effective immediately upon posting, or as indicated in the notice. We encourage you to review our Terms periodically to stay informed of any minor updates.

The current version of the Terms will supersede all previous versions. It is your responsibility to ensure you understand the Terms currently in effect when you use the Service. If you have any questions about the Terms or any changes made to them, please contact us (see Section 12 for Contact Information) for clarification before continuing to use the Service.

12. Contact information

If you have any questions, concerns, or feedback regarding these Terms or any aspect of our Services, or if you need to contact us for customer support or legal matters, please use the contact information provided below:

• Customer Support Email: [email protected]

You can also find help and frequently asked questions on our website in the Support/Help section. We strive to provide prompt and helpful customer service. For general inquiries or issues with transactions, contacting our support team via email or phone is the quickest way to get assistance.

If you need to send us any formal notice, legal claim, or other official correspondence, please send it in writing to our registered business address. Our primary business and registered address is:

C/- Patricia Holdings, Suite 2, Level 1, 9-11 Grosvenor Street, Neutral Bay NSW 2089

Attn: Legal Department / Terms of Service Inquiry

Please use the appropriate address for your correspondence to ensure it reaches the correct team. If you are uncertain where to direct a communication, you can email or call us and we will guide you.

We will communicate with you in English. Notices or communications from us to you (including those regarding changes to these Terms) may be provided via email, through the website (for example, via notifications or banners), or by postal mail if appropriate. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

By using our website and Services, you confirm that you have read and agree to these Terms and Conditions. We recommend that you save or print a copy of these Terms for your records. If there is anything you do not understand or have questions about, please contact us before using the Service. Thank you for choosing our money transfer service. We appreciate your trust in us and look forward to serving your remittance needs in a safe, secure, and compliant manner.