Welcome to SwiftsendRemit, a leading online remittance company providing inbound and outbound transaction services to our valued customers. These Terms and Conditions ("Terms") govern your use of our services, website, and any related applications or platforms (collectively referred to as the "Service"). By accessing or using our Service, you agree to be bound by these Terms. Please read them carefully.

1. Account Registration and User Obligations

• Eligibility: To use our Service, you must be at least 18 years old and have the legal capacity to enter into a contract.
• Account Registration: To access certain features of our Service, you must register an account with us. You agree to provide accurate, current, and complete information during the registration process and to keep your account information updated.
• User Responsibilities: You are responsible for maintaining the confidentiality of your account credentials, including your username and password. You agree to notify us immediately of any unauthorized access or use of your account.

• Inbound and Outbound Transactions: Our Service allows customers to send and receive remittances through online transfers. We facilitate the secure and efficient transfer of funds, subject to applicable laws and regulations.
• Transaction Limits and Fees: The maximum transaction limit and applicable fees may vary depending on factors such as user verification, recipient country, and regulatory requirements. It is your responsibility to review and understand the fees associated with each transaction before initiating it. Exchange Rates: Exchange rates may fluctuate and are subject to market conditions. The exchange rate provided at the time of transaction initiation will be applicable, and any difference resulting from subsequent fluctuations will not be refunded.
• Transaction Processing Time: While we strive to process transactions promptly, the actual processing time may vary depending on factors such as banking systems, intermediary institutions, and regulatory compliance. We will make reasonable efforts to complete transactions within the estimated timeframes provided, but we shall not be held liable for any delays beyond our control.

• Regulatory Compliance: Our Service operates in accordance with applicable laws, regulations, and guidelines governing remittance services, anti-money laundering (AML), and combating the financing of terrorism (CFT). You agree to provide accurate and verifiable information as required for compliance purposes. Prohibited Activities: You shall not use our Service for any illegal, fraudulent, or unauthorized purposes. This includes, but is not limited to, money laundering, financing of illegal activities, or engaging in transactions with sanctioned entities or jurisdictions.

• Service Availability: While we strive to provide uninterrupted access to our Service, we do not guarantee its availability at all times. We may temporarily suspend or limit access for maintenance, upgrades, security enhancements, or due to circumstances beyond our control.
• Third-Party Services: Our Service may include links or integration with third-party websites, applications, or services. We are not responsible for the content, functionality, or security of these third-party services. Your use of such services is at your own risk, and you are subject to their respective terms and conditions. Limitation of Liability: To the fullest extent permitted by applicable law, SwiftsendRemit shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or in connection with the use of our Service, including but not limited to loss of profits, data, or other intangible losses.

• Termination by User: You may terminate your SwiftsendRemit account at any time by following the designated procedures within the Service. Termination will result in the deactivation or deletion of your account information, subject to our data retention policy.
• Termination by SwiftsendRemit: We reserve the right to suspend or terminate your account and access to the Service at our sole discretion, without prior notice, if we have reasonable grounds to believe that you have violated these Terms or applicable laws and regulations.

• We reserve the right to modify or update these Terms at any time. Any material changes will be notified to you through our Service or by other means of communication. Continued use of the Service after such modifications constitutes your acceptance of the revised Terms.

• Governing Law: These Terms shall be governed by and construed in accordance with the laws of AUSTRAC. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts.

• The sender is responsible for providing accurate and complete information for the transaction, including the recipient's details and transfer amount. The sender is responsible for any fees associated with the transaction.

• The recipient must present valid identification and transaction details to receive the funds.

• The sender may cancel a transaction before it is paid out to the recipient. Refunds, if applicable, will be processed in accordance with our refund policy. Swiftsendremit relying solely on technology for transactions, this can introduce vulnerabilities, including glitches or errors that may impact the accuracy or integrity of transactions. In such cases, Swiftsendremit will Void all the transactions affected by system glitches. This is a common practice aimed at maintaining fairness and integrity in the transaction process. This helps to prevent potential exploitation of glitches for personal gain or unintended consequences. However, Swiftsendremit will communicate these policies clearly to you to ensure transparency and fairness in our services.

These These Terms and Conditions constitute the entire agreement between you and SwiftsendRemit regarding the use of our Service. If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions shall remain in full force and effect. If you have any questions or concerns regarding these Terms, please contact our customer support.