Smart Remit: Terms & Conditions

Important notice

Welcome to SmartRemit. These Terms and Conditions constitute a legally binding agreement between you, the user, and SmartRemit (the provider), governing your access to and use of our digital platform, including all services offered via our mobile or web app.

By creating an account, accessing the platform, or initiating any transaction through SmartRemit, you acknowledge and agree to be legally bound by these Terms. If you disagree with any portion of this agreement, you should discontinue use of our services immediately.

By using the platform, you confirm that you agree to comply with all applicable local, national, and international laws relating to financial services and money transfers.

These Terms and Conditions are subject to periodic updates, revisions, or modifications by us. By continuing to access or use the service after any changes are implemented, you indicate your agreement to the new terms.

1. Scope of Agreement

1.1. Who Can use our Services

These Terms apply to both:

• Individuals making personal money transfers
• Business entities, including sole proprietors, partnerships, corporations, associations, and government bodies.

You must be at least 18 years old and legally capable of entering into a binding contract to use SmartRemit.

1.2. What These Terms Govern

These Terms and Conditions apply to:

• Your use of SmartRemit's money transfer services across all platforms.
• All current and future money transfer transactions you initiate (each referred to as a "Transfer Request").

Each Transfer Request you submit forms an individual contractual agreement, governed by these Terms, our applicable policies, and any confirmation we provide regarding that transaction.

2. Understanding This Agreement

2.1. Supporting Policies

Related Policies

These Terms should be read in conjunction with the following supporting documents, which form part of your legal agreement with SmartRemit:

• Privacy Policy – describes our collection, use, storage, and sharing of your personal data in accordance with data protection laws.
• Website Terms of Use – details how you may access and use our public website.
• Cookies Policy – details how cookies and similar technologies operate across our digital platforms.

By using our services, you confirm that you have read, understood, and agreed to these associated policies.

2.2. Updates You Should Know About

These terms may be changed or updated by us occasionally, and we will not provide advance notice. Please review this document regularly, especially before making a new transfer, to stay informed about the latest terms.

3. Overview of Our Services

3.1. What We Offer

SmartRemit is a licensed Remittance Service Provider, registered with AUSTRAC (Australian Transaction Reports and Analysis Centre). We provide digital remittance services that enable individuals and businesses in Australia to send money globally, via:

• Direct deposits to bank accounts
• Local cash pickup options (where available)
• Digital wallet credits (in selected regions)

All transfers are processed via our secure online platform or mobile app.

3.2. No Investment or FX Services

SmartRemit strictly provides money remittance services. We do not offer:

• Currency speculation or trading
• Margin accounts
• Forward contracts
• Financial advice of any kind

Please consult a licensed advisor if you need investment or foreign exchange planning.

3.3. Expanding Our Offerings

From time to time, SmartRemit may introduce new services or transfer options, which will be announced via the Platform. These may include special payout methods, partner integrations, or faster delivery mechanisms.

3.4. Our International Payment Network

We are working with a rigorously assessed network of:

• Correspondent agents
• Banks and financial institutions
• Third-party payment processors

These partners help us ensure your money reaches its destination securely — whether via bank credit, cash pickup, or mobile payment.

3.5. Service Limits & Restrictions

Our services may be subject to:

• Transaction limits
• Processing timelines
• Country or currency availability
• Channel-specific fees

These limitations vary by location and transfer type. Always review your transfer summary before confirming a request.

3.6. Who Can Use Our Platform

Our services are available only to registered customers who:

• Successfully complete our sign-up and verification process.
• Meet our compliance and eligibility requirements.

We reserve the right to accept or deny any registration request at our sole discretion. Once registered, you can use our platform to submit and manage Transfer Instructions online.

4. Sign-Up & Identity Verification

4.1. Creating Your SmartRemit Profile

Before using SmartRemit for transfers, you'll need to complete a secure sign-up. Here's how it works:

• Start Online: Begin the process through our website or app—anytime, anywhere.
• ID Checks Are Mandatory: For security and legal compliance, your identity must be confirmed and your account activated by our team.
• Who Needs to Submit Documents: All users—including representatives of companies—must upload valid ID and address proofs.
• Attest Your Files: Documents must be either self-attested or verified as accurate copies by a recognized authority.
• You're Accountable: You're responsible for making sure every document or piece of data you share is legitimate.

4.2. Confirming Who You Are

To keep things secure and compliant:

• We may update or change the methods SmartRemit uses to verify identities.
• We may assign third-party agents or use official data verification platforms to validate your information.
• By registering, you agree to allow us to verify your credentials via such platforms when needed.

4.3. When We Might Pause Your Account

At our sole discretion, we may block or permanently deactivate an account. This can be done without explanation, especially in the interest of compliance or risk management.

4.4. Extra Layers of Verification

Some users might be asked to complete extra identity checks—even after being approved. Continued access may depend on completing those successfully.

4.5. Updating Your Details

If your ID, bank account, or address changes, you're expected to update that in your SmartRemit profile promptly. Keeping your info accurate ensures smooth transfers.

4.6. Your Data = Your Responsibility

Everything saved in your account—including recipient data and your financial information—is considered correct and will be acted upon as such.

5. How Transfers Work

5.1. Submit Your Transfer

Once your account is approved, you can request international money transfers via our website or app in just a few clicks.

5.2. It's a Deal: Binding Transfer Requests

Once you submit a transfer, it's locked in. The moment we receive your request, it becomes an official transaction.

5.3. Confirmation & Corrections

You'll see a summary of your request at checkout and receive confirmation by email or SMS. If something seems off—act quickly! If you don't reach out right away, we'll assume all details are accurate.

5.4. Stay Legit

You must use SmartRemit only for genuine, lawful purposes. Anything suspicious could lead to blocked transactions or even account closure.

5.5. Double-Check Everything

You are fully responsible for inputting accurate details. Errors—like wrong account numbers—can't be reversed if the money has already been sent.

5.6. Trust in Your Beneficiary Data

We send funds based only on the account number and bank code you provide—not the name of the recipient. Please make sure they're accurate.

5.7. Safeguard Your Login

Only you should know your login credentials. Any instruction we receive using your username/password will be treated as genuine.

5.8. Our Right to Say No

Sometimes, we may choose to reject a request. This can happen without advance notice or explanation.

5.9. Exchange Rate Expiry

The rate you see when booking depends on fast action. If we don't receive your funds or info promptly, we might need to offer you a new rate.

5.10. Human Error Disclaimer

If an obvious pricing error (e.g., wrong exchange rate) appears due to a technical glitch, that quote isn't valid. Kindly inform us if you identify such an error.

5.11. Pre-Funding Your Account

To protect against non-payment risks, we may require you to add money to your SmartRemit balance before we process high-value or sensitive transfers.

5.12. Your Legal Promises

By proceeding with a transfer, you confirm:

• The money is legally yours.
• You're over 18 years of age.
• You're not hiding behind a third party unless legally authorized.
• You're acting within your legal and professional capacity.
• You're not speculating on currency movements.
• Our platform should not be your sole source for financial advice.
• You're not using the service for unlawful activities like fraud or terror funding.
• You'll provide extra documents if we need to verify the origin of funds.

5.13. Transaction Security Practices

We use advanced encryption and firewall protection to keep your data safe. Still, no system is perfect. If a breach ever occurs despite our efforts, you understand we aren't liable for losses resulting from issues beyond our control. Your own device and data security are equally your responsibility.

6. Instructions via Phone, Fax, Email, or Written Communication

6.1. Phone Instructions – No Obligation

We are not required to act on any instructions given verbally over the phone. Such requests are handled solely at our discretion.

6.2. Fax and Written Requests Must Be Signed

If you submit instructions via fax or physical documents, they must carry your signature exactly as it appears on your official ID documents provided during registration.

6.3. Emails Must Come from Registered Addresses

Any email instructions will only be accepted if sent from your email address registered in our system and directed to our official service email IDs.

6.4. Verification Before Action

We may conduct verification checks to confirm the authenticity of such instructions using calls, emails, faxes, or other tools before we proceed, in line with applicable Australian regulations.

6.5. Processing of Non-Portal Instructions

Instructions received outside the SmartRemit Portal are not acceptable.

6.6. Discretion to Reject

We reserve the right to reject any part or all a transfer request or instruction at our sole discretion, without providing justification. Any related risks or consequences will be borne by you.

6.7. Notification of Rejected Requests

If we decide not to act on your request or to delay action, we will make reasonable efforts to inform you of the decision, but will not be responsible for any resulting loss or impact.

7. Pay-In Policy: Depositing Funds for Transfers

7.1. Funding Your Transfers

Each time you initiate a transfer, you agree to promptly deposit the transfer amount along with applicable fees into our assigned bank account—ideally on the same day. You must use your own bank account registered with SmartRemit; third-party transfers are not permitted, and we are not liable for any issues that arise from such transactions.

7.2. No Cash or Cheques

We do not accept cash or cheque payments under any circumstances. We only accept digital forms of payment for all transactions.

7.3. Accepted Payment Methods

We support various electronic payment options such as internet banking and Pay ID (collectively known as "Pay-In Methods"). These services are offered by third-party providers, not by us. Please note that availability is subject to change without any prior notification.

7.4. Possible Delays in Settlement

In certain situations, settlement of your funds may be delayed. We are not responsible for delays caused by issues with third-party payment providers.

7.5. Late or Missing Funds

If funds are not received by us in time, we reserve the right to either cancel or roll over your transfer request without prior notice. You will be held accountable for any resulting financial losses, including exchange rate losses.

7.6. Transfers Made Without Full Payment

If we process a transfer erroneously before receiving full payment from you, it does not mean we waive our right to recover the remaining balance. Your obligation to pay the full amount persists.

7.7. No Interest in Held Funds

We do not offer or accrue any interest in the funds you send us, regardless of whether they are held temporarily (e.g., as pre-funding) or not.

8. Pay-out and Delivery Terms

8.1. Multiple Payout Options

We offer various ways to deliver funds to your recipient, depending on the country and method you choose while placing your transfer request. Each payout option—such as bank deposit, cash pickup, or mobile wallet—is treated as a separate payment service.

8.2. How Funds Are Sent

All transfers are processed electronically. We do not issue physical payments (e.g., cheques or drafts).

8.3. Order of Processing

Transfers are generally processed in the order they are received (first-in, first-out). However, we maintain the right to prioritize specific transfers as we deem necessary.

8.4. Partner Networks

We may work with trusted third-party partners, also known as Correspondents, such as local banks or payment providers, to deliver funds on your behalf. These entities help us complete your transfer efficiently and securely.

8.5. Possible Deductions by Partners

In some cases, our Correspondent may deduct additional charges from the transfer amount before delivering it to your recipient. This could mean the final payout is slightly less than the amount shown on your transfer confirmation. If these charges are billed to us, this will be deducted from the principal amount.

8.6. Standard Delivery Timeframes

Bank Deposits and Cash Pickups are typically completed within 1–3 business days.

Delays may occur if the recipient's bank or pickup point differs from the Correspondent's main location.

8.7. Immediate Cash Transfers

For certain services marked as "Instant Transfers," the payout is usually completed within 24 hours, depending on the location and service partner selected.

8.8. If a Delay Occurs

If the funds are not available to your recipient within the expected timeframe, you can request us to investigate. If the delay is due to external factors beyond our control, you may be responsible for covering any costs incurred during the investigation.

8.9. External Factors Causing Delays

Delivery may be delayed due to:

• Banking system cut-off times
• Errors or delays by partner institutions
• International payment complications
• Natural disasters or unforeseen events

In these cases, we cannot be held liable for any resulting delays.

8.10. We're Not Liable for Indirect Losses

As permitted by law, we and our employees are not responsible for any indirect damage or losses caused by delays or service disruptions, especially when acting on your instructions in good faith.

8.11. If You Provide Incorrect Information

If your money is sent to the wrong person due to an error on your part, we are not required to recover the funds or resend them. You will need to submit a new request for the transfer.

8.12. If We Make a Mistake

If we send the money to the wrong person due to our error, we will take immediate steps at our own cost to recover the funds. We may require your cooperation, especially if the recipient is known or connected to you.

9. Changes to a Transfer (Amendment Policy)

9.1. Modifying a Transfer Request

If you request changes after submitting a transfer, it may delay the payout and could incur extra fees. We may accept or reject amendment requests based on the processing status of your transaction.

9.2. Changing Beneficiary Details

If the payout has already been made, changes are not possible.

9.3. Incorrect Beneficiary Information

If we are notified by our partner that the transfer failed due to incorrect recipient details, we will inform you via your registered email. If you promptly send us corrected details, we'll do our best to update the transaction—without accepting any liability.

9.4. No Action from Your Side?

If we don't hear back from you within a reasonable time, we will attempt to retrieve the funds and return them to you. However, this process may take time and is not always guaranteed.

9.5. Charges for Amendments

Any changes to your transaction may result in additional fees. Amendments are processed only at our discretion.

10. Cancellation Policy

10.1. When Is a Cancellation Valid?

Once you confirm a Transfer Request, it becomes legally binding. It cannot be considered cancelled unless you receive written or email confirmation of cancellation from Smart Remit.

10.2. Transfers Already Processed

Cancellation of a transfer may not be possible if it has already been completed. We recommend acting quickly if you need to stop payment.

10.3. When We Cancel a Transfer

We hold the authority to cancel your Transfer Request at any time without informing you beforehand if:

• We suspect fraud or a regulatory violation.
• The details or documents you provided are incorrect or incomplete.
• If your payment to our designated account is not received on time.
• The funds cannot be delivered to the beneficiary and are returned by our payout partner (Correspondent).

10.4. How to Cancel a Transfer

To initiate a cancellation, kindly submit a request using your Smart Remit Portal. Depending on the transfer status:

• If the transfer is still processing: We'll cancel it as requested.
• If instructions have been sent to the payout partner: Cancellation is only possible if:
  • The Correspondent confirms funds have not been and cannot be paid out, or
  • You submit valid proof that the beneficiary did not receive the funds.

10.5. Cancellation Timeframe

The time it takes to process a cancellation depends on when we or our partners receive the request and the transfer's progress.

10.6. If the Funds Have Already Reached the Beneficiary

If the payment has been completed, cancellation is not usually possible. However, if you request a recovery:

• We'll forward your request to our partner but cannot guarantee results.
• You'll need to follow up with the beneficiary to return the funds.

10.7. Refunds After Cancellation

When a transfer is cancelled, the refund may be less than what you originally paid. We will deduct:

• Cancellation fees (ours and the Correspondent's)
• Any foreign exchange losses
• Any expenses incurred in processing your transaction

10.8. When Will You Receive the Refund?

Refunds are issued only after we receive the returned funds into our account. If we agree to a refund in advance, you must provide a signed Statutory Declaration of Indemnity in our approved format.

10.9. Refund Method

Refunds will be credited to your My Balance in the Smart Remit Portal—the same channel used for initiating the transfer.

10.10. Refund Currency

Refunds are made in the same currency you used when placing the Transfer Request. If currency conversion is involved, we will use the prevailing rate at the time of cancellation.

10.11. No Entitlement to Profits

You are not entitled to any profit or gain resulting from foreign exchange differences in your favor.

10.12. If We Incur Loss

If we incur a loss (e.g., due to exchange rate movement) during the cancellation process, you agree to cover it. We may deduct the loss from any funds held in your My Account or request direct payment from you within seven days of notice.

11. Fees and Charges

11.1. Transparent Pricing

All standard service fees are clearly shown when you initiate a Transfer Request via the Smart Remit Portal.

11.2. General Service Fees

Fees are transparently displayed on-screen during each transfer.

11.3. Important Notes:

• All fees are listed and need to be paid in Australian Dollars (AUD).
• Correspondent bank charges are not included in the above rates.
• We may modify our fees without advance notice, and the decision to do so rests solely with SmartRemit.

12. My Account – Terms & Conditions

12.1. Provision of My Account

SmartRemit may, at its discretion, provide you with a My Account facility when you register for online services.

12.2. Tracking Your Transfer Requests

The My Account facility is designed to help you easily track all direct money transfer requests made with us.

12.3. Account Balances and Transactions

Deposits & Payments: All amounts you deposit into our bank account and any payments we make on your behalf will be reflected in your My Account balance.

Credits: Any credits due to you, such as cash rewards or refunds from canceled transfer requests, will be credited directly to your My Account.

12.4. Current Balance

The 'Current Balance' displayed in your My Account represents the latest available balance, including:

• Amounts refunded from canceled transfers.
• Pre-funded amounts.
• Cash rewards.

12.5. Funding Your My Account

To fund your My Account, you may use any available payment method listed on our website. Your remittance will be credited to your My Account only after we receive the payment and verify it in our bank records.

12.6. Mistakes and Delays

We are not responsible for any delays or losses incurred due to:

• Missing or incorrect reference numbers during remittance.
• Failure to correctly quote the Transfer Reference Number or Customer Unique ID.

12.7. Prefunding Your Account

You can make deposits of any amount without limit to pre-fund your My Account. You can hold funds in your account until the desired exchange rate is available.

12.8. Funding Time Requirements

When making a transfer request, the total amount, including fees, will be automatically deducted from your My Account balance. To ensure timely processing, it is essential that you maintain sufficient funds in your My Account.

12.9. Right to Deduct

We reserve the right to deduct any unpaid dues from your My Account balance or any other funds held on your behalf.

12.10. Withdrawing Surplus Funds

You can request to withdraw any surplus funds from your My Account by submitting an online request. Upon completion of the verification process, the funds will be remitted to your designated bank account.

12.11. Bank Account Details

Ensure that your bank account details (name, number, branch) are correctly saved in the Portal. All payments will be made according to the latest account details you provide.

12.12. Withdrawal Fees

We may charge a transaction fee for remitting withdrawn amounts from your My Account to your bank account.

12.13. Dormant Account Fees

If your My Account remains dormant (without any debit transactions) for 12 months, we may charge an annual maintenance fee at our discretion.

12.14. No Interest

You acknowledge that no interest will be paid on the balance in your My Account.

13. Use of the SmartRemit App – Terms & Conditions

13.1. App Access and License

If SmartRemit provides an app, you are granted a non-transferable, non-exclusive license to use it, subject to these Terms, our Privacy Policy, and applicable app-store terms.

13.2. Restrictions on Use

You agree:

• The app is not to be copied, rented, leased, sub-licensed, altered, or modified without express permission.
• The app is not to be utilized for commercial endeavors or for the purpose of business resale.

13.3. Functionality and Liability

App Functionality: We do not guarantee that the app will satisfy all your individual requirements. You are responsible for assessing whether the app's functionality meets your needs.

No Liability for Losses: We are not liable for:

• Business losses, including profits, business interruption, or opportunities lost due to app issues.
• Delays or refusal to process transfer requests.
• Losses caused by malfunctioning devices (e.g., jailbroken or rooted devices).

13.4. Free Service

The app is provided free of charge and without any warranties or representations, excluding statutory rights where applicable.

13.5. Service Failures and Errors

We are not liable for:

• Failures in the transmission of messages outside our control.
• Errors caused by incomplete or incorrect information provided to us.
• App malfunctions that arise due to modifications you implement on your device.

13.6. App Compatibility

The app has not been specifically developed to meet your individual needs, and it is your responsibility to ensure it works for you.

14. Communication in Digital Format

By agreeing to these Terms and Conditions, you consent to receiving all communications related to your use of the Service through electronic means. You can expect to receive:

• These Terms and Conditions, including any updates or changes.
• Your transaction records, such as Transfer Requests.
• Any required or periodic notifications, including those mandated by law.
• Customer service communications, including issues related to errors or unauthorized usage.
• Any other communication pertaining to your use of the Service or Smart Remit.

The Service operates entirely through digital communications. Withdrawing consent results in the cessation of access to the Service. You agree to promptly inform us of any changes to your email address.

15. Termination of Service and Account Deletion

We reserve the right to terminate or suspend these Terms and Conditions immediately if:

• You become insolvent or enter bankruptcy.
• You breach any term of this agreement.
• Your actions disrupt other customers or damage the reputation of the Service.
• You attempt to breach security (hacking, viruses, etc.).
• You use the Service for illegal, unethical, or fraudulent activities.

Account Deletion Process:

• Requires a formal request via email and identity verification.
• Deletion may take up to 14 business days.
• Data Retention: In compliance with AUSTRAC, certain transactional data must be retained for seven years after deletion.

16. Promotions and Offers

• Participation: Voluntary and subject to specific eligibility criteria.
• Rewards: Provided at our discretion as a gesture of goodwill; no guarantee on quality or performance of rewards.
• Modifications: We may modify or terminate promotions at any time via our website.
• Exclusions: Employees, affiliates, and their families are ineligible.
• Final Say: Decisions regarding promotions are final.

17. Limitation of Liability

Transaction Timing: We use external systems/intermediaries; delays may occur. We are not liable for damages or losses resulting from delays.

Liability Cap: In all circumstances, our liability will not exceed the fee you paid for the specific transfer request.

18. Liability and Compensation

1. Your Responsibility:

You are responsible for covering any costs, fees, or legal expenses we incur due to your failure to meet these terms. This includes fines, penalties, or taxes charged by third parties/partners.

2. Our Responsibility:

If we mistakenly send funds to the wrong account due to our error, we will work on retrieval at our expense. Your immediate cooperation is required if the recipient is connected to you.

19. Handling Disputes

1. Addressing Errors:

If something goes wrong or we make an error, notify us as soon as possible via our website. Our team aims to resolve issues quickly. If more time is needed, we will provide updates and an estimated resolution time, typically within 21 business days.

2. Steps for Filing a Complaint:

Filing a Complaint: Submit directly via the Portal or in writing, preferably including your Transfer Reference Number (TRN).

Escalation Process: If unresolved, the matter is escalated to higher management. You may be asked for:

• A written summary of the complaint and desired outcome.
• Supporting documents or evidence.

Direct Contact: Written complaints can be directed to the General Manager at: business@smartremit.com.au

3. Investigating the Complaint:

Upon receiving a formal complaint, Smart Remit will:

• Acknowledge receipt within 15 days.
• Investigate thoroughly.
• Share relevant, non-confidential materials with you if required.
• Maintain communication to ensure a fair resolution.

4. Resolution Timeline:

A written decision will be provided within 45 days, including:

• The decision and a detailed explanation.
• Information on offered remedies or solutions.
• Instructions on how to escalate if you remain unsatisfied.

If a delay exceeds 45 days, we will provide an explanation and updated timeline.

5. Additional Support:

For clarification, contact Customer Support. Further dissatisfaction can be escalated to the Chief Executive Officer or the Compliance Officer.

6. Mediation Process:

We are committed to amicable resolutions and are open to mediation with our Compliance Officers at any point if both parties agree.

7. Exclusion from AFCA:

Disputes arising under these terms do not fall under the jurisdiction of the Australian Financial Complaints Authority (AFCA) and cannot be referred to them.

20. Adherence to Anti-Money Laundering and Counter-Terrorism Financing Laws

1. Commitment to Compliance:

As part of our commitment to following global financial laws, including those related to Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF), we may need to share your personal details in accordance with these legal requirements. Using our services means you consent to necessary regulatory disclosures.

2. Information Request and Cooperation:

To ensure our compliance with AML/CTF laws, we may ask you for additional information or documents. You agree to provide this information promptly when requested. Failure to do so may result in our refusal to process your transaction, as we are obligated to meet these legal obligations in full.

3. Verification of Funds:

Before processing any transaction, we verify the legitimacy of your funds. This means we require proof of the source of income for any transfer you initiate. You will be asked to provide valid documentation either through our portal or directly upon request. We will only proceed with transactions after confirming that they align with all regulatory standards.

4. Right to Refuse Service:

We reserve the right to decline any transfer request or block access to our services if we suspect it may violate AML/CTF laws. You must ensure that your actions do not place us in breach of these regulations and notify us immediately if you become aware of any potential violations. Additionally, we may set thresholds on transactions as part of ongoing customer monitoring, and you agree not to exceed these limits.

5. Assurance of Legal Compliance:

You affirm that the money you are transferring is not associated with illegal activities, such as money laundering or terrorism financing. You also declare that your transfer will not contribute to or finance any unlawful actions.

6. Obligation for Legal Compliance:

By using our services, you affirm that the transfer you request will not violate any laws, whether in Australia or any other jurisdiction. We rely on your assurance that your actions are fully compliant with international and local regulations.

7. Right to Delay or Block Transfers:

We reserve the right to delay, block, or refuse to process any transfer if we believe it could potentially breach applicable laws. In such cases, we will not be liable for any resulting delay or failure to process your request.

8. Indemnity for Blocking or Freezing Funds:

If your account or transaction is blocked due to suspected legal violations, you agree to indemnify us from any liability should a third party challenge our decision.

21. Unforeseen Circumstances

1.Exemption from Liability:

No party shall be liable for any failure or delay in fulfilling their obligations if such failure arises from circumstances beyond their reasonable control. These may include, but are not limited to, natural calamities (like earthquakes, floods, fires, or storms), acts of God, war, terrorism, military actions, labor strikes, lockouts, or boycotts. In the event of such an occurrence, the impacted party must notify the other party within five (5) days. Additionally, the affected party is expected to take reasonable steps to reduce the impact of the unforeseen event on their obligations.

22. Miscellaneous Provisions

1.Notices and Communication:

Any formal communication or notice required under this Agreement may be delivered through fax, mail, or email. A notice sent by fax or email is considered received on the date of sending. Notices sent by postal mail are considered received two days after the date of posting. All notices must be sent to the most current contact information provided by each party

2.Amendments to the Agreement:

We may update or change the terms of this Agreement at any time by posting the updated terms on our website. These updated terms will apply to any future transactions or agreements you enter into, but will not affect rights or obligations that existed prior to the changes.

3.Applicable Law and Jurisdiction:

This Agreement shall be governed by and interpreted in accordance with the laws of New South Wales (NSW). Any legal disputes related to this Agreement will be exclusively resolved by the courts located in the capital city of NSW, and both parties consent to the jurisdiction of these courts.