Website terms of use

Important notice

Welcome to Smart Remit. These terms of use constitute a legally binding agreement between you, the user, and Smart Remit (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 Smart Remit, 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 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. Website ownership and structure

The Smart Remit website is owned and operated by Smart Remittance Pty Ltd, registered in Australia. The platform comprises two key areas:

• Public area: Openly accessible to all users. It includes general information such as how foreign exchange transactions work and up-to-date exchange rate data.
• Private area: A secure, access-restricted space where registered users can manage personal accounts, initiate money transfers, and interact with our services.

References to “the website” throughout these terms include both public and private areas unless explicitly stated otherwise.

2. Scope of services provided

The Smart Remit website is designed to offer two distinct service experiences:

• Informational access: Through the public area, users can browse educational resources about foreign currency exchange.
• Transactional features: Registered users gain access to booking foreign exchange transactions, entering beneficiary details, and monitoring account activity.

Please note that any use of these services is subject to a separate client agreement, which you must accept before proceeding with any financial transaction. In the event of discrepancies between these website terms and the client agreement, the latter will take precedence.

3. Login credentials and private access

Once you enter into a client agreement with Smart Remit, you will receive a username and password for accessing the private area. You may assign different access levels to authorised representatives.

• Your credentials represent your legal access; use of your login by any individual is deemed to be authorised by you.
• Smart Remit does not validate identity at every login, so it is your responsibility to secure your credentials.
• If you suspect any unauthorised activity or misuse, please reach out to Smart Remit without delay.

4. Permissible usage policy

You are expected to use this website only for lawful and authorised activities. Restricted activities include, but are not limited to, the following:

• Attempting to hack, damage, reverse-engineer, or compromise any part of the website’s code or functionality.
• Bypassing security protocols or accessing restricted areas without permission.
• Accessing, extracting, or altering data from this website using automated tools or scripts.

Violations may result in legal action and termination of your access.

5. Intellectual property and copyright

All content on the Smart Remit website—including text, graphics, software, and code—is protected under copyright laws and owned either by Smart Remit or third-party licensors.

• A limited and non-transferable permission is provided to you for accessing and using the content available on the site.
• Unless specifically authorised, you are strictly prohibited from reproducing, duplicating, redistributing, or reverse engineering any part of this website.
• Any use outside the terms of the Copyright Act 1968 (Cth) requires prior written approval from Smart Remit.

6. Use and reliability of information

The content available on this site, including forecasts, charts, or exchange rate models, is provided in good faith and sourced from reliable providers. However:

• Smart Remit offers no guarantees regarding the accuracy, relevance, or completeness of the data.
• Users are solely responsible for how they interpret and use the provided information.
• Smart Remit and its information suppliers disclaim liability for any inaccuracies or misuse of the information displayed.

7. Information updates and forecast validity

The data presented is current at the time of publication but may not reflect real-time changes.

• Exchange rate charts may be updated daily, but actual values can shift rapidly due to market conditions.
• Any strategic or forecasting information reflects opinions and assumptions at the time of writing and is subject to change without notice.

For up-to-date details, users are encouraged to contact a Smart Remit dealer directly.

8. No provision of financial advice

The content available on this website does not constitute financial product advice, either general or personal.

• Smart Remit does not act as a fiduciary, adviser, or agent in any financial decision-making capacity.
• Any guidance or commentary offered is not tailored to individual investment needs or goals.
• Users should consult qualified professionals and refer to relevant product disclosure statements before making financial decisions.

9. Service interruptions and technical limitations

While we strive to ensure uninterrupted access, the Smart Remit platform may experience technical issues or service outages beyond our control.

• These may include software bugs, third-party disruptions, or system maintenance.
• Liability for downtime, delays, or lack of service availability is excluded to the fullest extent permitted by law and our client agreement.

10. Availability commitments

Smart Remit will make reasonable efforts to ensure the website is accessible at all times. However:

• Continuous, uninterrupted access is not guaranteed.
• Temporary disruptions may occur due to maintenance or unforeseen technical complications.

11. Termination or change of access

We may cancel your access to the private area by providing 48 hours written notice via email.

• If you suspect that your login credentials have been compromised, immediate contact with Smart Remit is required.
• Smart Remit reserves the right to revoke access in the event of suspected misuse or breaches of agreement.

12. Monitoring your transactions

You are responsible for routinely reviewing your account activity within the private area.

• Report any unauthorised transactions, suspicious entries, or discrepancies immediately.
• Early detection helps prevent losses and ensure timely resolution.

13. Error reporting and mistaken transactions

If you identify a transaction error:

• Inform Smart Remit promptly for assistance.
• If the error was caused by your incorrect input (for example, wrong beneficiary details), and the funds were transferred as per your instruction, Smart Remit is not liable.
• In such cases, you may need to initiate a new transaction at your cost.

14. Advertising and potential conflicts of interest

Transparency is a priority, and users are encouraged to assess offers independently.

• Smart Remit may receive advertising revenue through banners or newsletters.
• There may also be financial interests held by Smart Remit in the outcome of certain investment products or promotions featured on the site.

15. User responsibility and indemnity

By using this website, you agree to:

• Accept full responsibility for any actions taken using your account or credentials.
• Indemnify Smart Remit and its team members against any legal claims, costs, or damages resulting from your misuse of the platform or violation of these terms.

16. External website links

Hyperlinks to external websites managed by third parties may be present on the Smart Remit platform.

• These links are provided purely for user convenience.
• The Smart Remit platform neither controls nor offers any endorsement of the content or the accuracy of information provided on third-party websites.
• Accessing such sites is done entirely at your own risk.

17. Security and data protection

Security is a top priority for Smart Remit. While encryption and security technologies are in place:

• Absolute protection from malware, bugs, or unauthorised interception cannot be guaranteed.
• Users should take additional precautions, including using secure internet connections and antivirus tools.

18. Website content changes

The Smart Remit platform reserves the authority to update or modify:

• Content, visuals, user interfaces, and service offerings.
• These updates may occur without prior notice, though client agreements remain the controlling document in case of any inconsistency.

19. Privacy and confidentiality

Your personal data and interactions with the site are governed by our Privacy Policy, which is incorporated into these terms by reference.

Please review the privacy policy for full details on how your information is collected, stored, and used.

20. Governing law and jurisdiction

All disputes or interpretations of these terms will be governed by the laws of New South Wales, Australia. By using this website:

• You consent to the exclusive jurisdiction of the courts of New South Wales.
• These legal terms form a binding agreement between you and Smart Remit.