Terms and Conditions and Cookies Policy.

Company Name: FlexyRemit Pty Ltd
Registered Address: Collins Street Tower
Level 3, 480 Collins Street Melbourne, Vic 3000.
ABN: 72 644 346 627

We, Flexy Remit Pty Ltd (“FlexyRemit”, “we”, “us”) have prepared this website policy, available free of charge at our website here www.flexyremit.com. If you have obtained this website policy from another source, or have been charged money for this website policy, please contact us immediately.

This policy outlines your interactions with our website and our associated platforms. We strongly recommend that you read this website policy in conjunction with our other disclosure documents, including our privacy policy. All these documents are available, free of charge, on our website.

For the purposes of this policy, ‘’you’’, ‘’the client’’, ‘’your’’ shall refer to the individual to whom this policy pertains to, or any natural or legal person in a client relationship with the company and who has used or is actively using our products and services.

  1. TERMS OF USE
    1. We provide our services to you through our website and other associated platforms.
    2. You alone are responsible for the means, including login details and computer system, by which you access Flexy Remit’s website or other associated platforms. You agree to keep your login credentials to yourself only. You also warrant that any transaction made using your login details will be made with your full authorization and consent. You agree to indemnify us for any losses caused or contributed to by any failure to keep your login credentials and computer system to yourself and free of any unauthorized use.
    3. We may suspend the operation of the website or any part of it without prior notice to you. However, we will act reasonably in exercising this obligation, and will only do so on rare occasions.
    4. You must meet certain requirements to use our service on our website and associated platforms, and you warrant that you meet and continue to meet these requirements by accessing our website/platforms and using our services. These include:
      1. Installing and maintaining antivirus and anti-malware software on the system you
        are using to access our services.
      2. Provide to us any information that we consider reasonably necessary to ensure that your computer system meets our requisite security standards.
      3. Inform us immediately of any material failure (including all the events outlined in clause 1.5 of these terms) of your computer system, and immediately cease using our service until we give permission otherwise.
      4. Inform us immediately of any unauthorised access to your account on our website or any unauthorised transaction or instruction which you know of or suspect and, if within your control, to cause such unauthorised use to cease; and
      5. Do not let anyone, use the computer system you are accessing our services/ platform/ website on until you have logged out or otherwise prevented unauthorised users of your computer system from accessing your account with us.
    5. No online solution is fully safe or infallible, and events outside of our control may occur which hinder or stop the operation of our website, our associated platforms, and their services. These events may include:
      1. Computer viruses.
      2. Malware
      3. Phishing attempts.
      4. Spyware.
      5. Internet service provider outages.
      6. Third-party security breaches.
      7. Denial of service attacks.
      8. Cross-site scripting.
      9. Technical faults.
      10. Network overloads.
      11. Malicious blocking by third parties.
      12. Interruptions of any kind.
      13. Credential misuse; and
      14. All other forms of unauthorised unlawful interference, including events beyond
      15. the control of Flexy Remit.
    6. You have no recourse against us in relation to the availability or otherwise of the website and associated trading platforms, nor for any errors created by or contributed to by issues with the website and associated trading platforms including the events outlined in clause 1.5 above.
    7. You agree to fully indemnify Flexy Remit for all of the events outlined in clause 1 of this agreement (including all relevant subclauses).
    8. If our website and our associated platforms are unavailable, it is likely that you will not be able to access your account and our services. Should you need to contact us when this occurs, please email us at info@flexyremit.com or call us at 03 8610 6323.
    9. If you access the website and our associated platforms outside of ordinary business hours, you should be aware that there may be a delay in us providing our services to you, including processing and sending remittance payments. Fluctuations in liquidity and the exchange rate may also occur, which may affect your remittance payment.
    10. If you receive any information through the website or any other associated platform that was not intended for you, confidential or otherwise, you will notify us immediately and destroy said information.

2 SUSPENSION OR TERMINATION

  1. If you receive any information through the website or any other associated platform that was not intended for you, confidential or otherwise, you will notify us immediately and destroy said information.
  2. We may at any time suspend or permanently withdraw your ability to access our services by giving you 14 days written notice. We will notify you of this action and will act reasonably in exercising this power.
  3. During this period between our providing notice and the suspension or termination of your account, you:
    1. Must not attempt to remit or receive any money; and
    2. Must not attempt to access or recover your account through illegal means.
  4. Once termination has been effected, whether by you requesting that we close your account with us or through the procedure outlined in clauses 2.1 through 2.3, you must immediately cease using our services, and you must return all hardware and destroy all software we have provided you in relation to our service.

3 - OUR COOKIE POLICY
When you use our website, we may use “cookies” to provide you a better experience. Cookies are text files created by your web browser and stored on your hard drive. These cookies sometimes track information about you. You may choose to disable cookies in your web browser or for you to be alerted when cookies are created and stored on your hard drive, but restricting the operation of cookies may cause some webpages to not function correctly.

We use cookies to improve your experience with our website, provide content more relevant to you, enhance accessibility, and generate promotions according to the interests of our users.

4  ANTI-MONEY LAUNDERING AND COUNTERTERRORISM FINANCING
Flexy Remit is subject to several anti-money laundering and counter-terrorism financing laws (AML/CTF Laws) which may prohibit us from offering services or entering or conducting certain transactions, including remittance payments.

These AML/CTF Laws prohibit dealing with the money and assets used in criminal activity or connected, in any way, with terrorism or any terrorist act.

By continuing to use our website, our associated platforms, and our services, you acknowledge that you have understood and consented that:

  1. We are not obliged to give effect to any transaction or to provide you our services if we are not satisfied as to your identity or if we suspect on reasonable grounds that by providing our services we may breach the AML/CTF Laws;
  2. We may delay, block or refuse to make any payment or to provide any service if we believe on reasonable grounds that to do so may breach any law in Australia or any other country, and we will incur no liability to you if we do so; and
  3. Flexy Remit will not incur any liability to you for any loss you suffer (including consequential loss) in connection with us taking steps to fulfil our obligations under the AML/CTF Laws.
  4. You must provide all information and documents to us which we reasonably require to comply with any law in Australia or any other country, including any AML/CTF Laws. You agree that we may disclose information which you provide to us or about any services we have provided to you if necessary to fulfil our obligations under the AML/CTF Laws and any other of our legal and regulatory obligations.
  5. You represent and warrant to us that giving effect to your transactions and permitting you to use our services will not breach any law in Australia or any other country.
  6. The Terms and Conditions are governed by the laws of Australia.

5-DELETION OF PERSONAL ACCOUNT.

1.You can delete your account at any time which is subject to administration Approval.

2.Due to Flexy remit’s retention policies required by law, transactions related information, which includes user's personal information and recipient's information will be kept even when account is deleted for seven years (7) and 6 months.

3.At any time, you can re-register and open a new account whereby you will be required to provide all your personal details because it is viewed as a new account.

PAYTO TERMS AND CONDITIONS

PayTo Terms and Conditions 

FlexyRemit Pty Ltd. Level 3, 480 Collins Street, Melbourne VIC 3000, Australia . ABN. NO-72644346627. FlexyRemit is registered and regulated by AUSTRAC.