These Terms & Conditions lay the foundation for an agreement between you and HFCEX Pty Ltd (“Currency Key” or “us” or “we” or “our”), trading as “Currency Key”. They govern your use of our Services.
It's imperative that you peruse these Terms & Conditions meticulously and grasp them in their entirety prior to availing our Services. Be advised that if you choose not to accept these Terms & Conditions, you will be precluded from using our Services.
By engaging with our Services, you signify your agreement and endorsement of all the stipulated Terms & Conditions. These Terms & Conditions are presented to you in English. Your engagement with any of our Services is an affirmation of your acceptance of these Terms & Conditions.
The overarching Terms & Conditions are applicable to all Services, encompassing Currency Key and its Affiliates/Agents. The stipulations specific to Remittance are pertinent to the Remittance Service, covering Currency Key and its Affiliates. unless explicitly stated otherwise
Any relinquishment of rights or remedies under these Terms & Conditions necessitates a written endorsement from us and doesn't imply a waiver of other rights, remedies, or conditions of our agreement.
Our agreement is steered by the laws of Victoria, Australia, and both parties unconditionally and irrevocably adhere to the jurisdiction of its courts.
Modifications to our agreement demand Currency Key's written consent. No regional, general, or trade customs will modify this agreement's terms.
Currency Key retains the absolute discretion to grant or withhold consent for any matter under these Terms & Conditions.
Should any segment of these Terms & Conditions be deemed void or unenforceable, it will be severed to the extent of its invalidity, without impacting the remainder's validity or enforceability.
These Terms & Conditions encapsulate the comprehensive agreement between you and Currency Key concerning its subject matter, superseding all preceding discussions and negotiations.
Currency Key reserves the right to periodically update these Terms & Conditions. However, the version in effect at the time of a Transaction remains applicable, irrespective of subsequent alterations.
Should you opt for bank transfer or PayID as your preferred payment avenue, it is imperative that payment is executed within 2 hours subsequent to initiating your Transaction. Failure to adhere to this timeframe may result in the annulment of your Transaction.
It is mandatory that payments originate from the account—be it individual or business—of the entity availing the Service, excluding third-party accounts. Individual Transactions necessitate payments from individual accounts, while business Transactions mandate payments from business accounts.
At present, our website facilitates individual Transactions exclusively. Transactions funded from a business account may be subject to rejection, leading to potential cancellation of the Transaction.
Should we accede to a petition to annul your Transaction, the refund amount will be ascertained (with a deduction of a $15 cancellation fee from the Transaction's primal amount) and reverted to the card or bank account employed for the initial Transaction.
We generate an Exchange Rate estimate that holds validity solely at the moment of quotation. This Exchange Rate is susceptible to fluctuations contingent on market rate dynamics.
The Exchange Rate cannot be ascertained telephonically or via electronic mail until our booking affirmation is dispatched and the complete payment is received within our stipulated duration.
We reserve the right to implement distinct Exchange Rates for diverse clientele through varied channels, influenced by strategies, operational expenditures, promotional endeavours, and competitive factors.
Should your Transaction inadvertently render Currency Key liable for charges, encompassing but not restricted to credit card chargeback fees or analogous levies, you consent to indemnify us for all such impositions.
A supplementary fee will be levied for credit card payment processing, and potential surcharges might be applicable for alternative payment methods. This additional fee is irrevocable unless the Transaction is nullified due to an oversight on our part.
Currency Key disclaims any liability for ancillary costs you might accrue employing a specific Payment Method for a Transaction. Potential costs include, but aren't limited to, unsanctioned overdraft charges by banks due to insufficient funds or "cash advance" fees and accrued interest imposed by credit card entities if the Service usage is perceived as a cash transaction rather than a purchase.
In scenarios where your Registration is either temporarily or permanently suspended, or a Transaction is declined or annulled, Currency Key reserves the right to subtract a justifiable cancellation fee prior to processing any refunds.
In relation to any Transaction and your engagement with our Services, you shall:
Furnish us with genuine, precise, up-to-date, and comprehensive details regarding your identity, and supply any identification and corroborative documents as we might necessitate;
You consent to Currency Key disclosing your personal data to our electronic identity verification partners, aligning with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (“AML/CTF Act”). This might encompass credit report checks and other verifications.
To adhere to pertinent regulations, Currency Key may solicit additional details or evidence, including the Transaction's purpose, funding source, and the relationship between the Customer and Receiver.
Your personal data will be managed in line with our Privacy Policy, accessible on our website.
In availing our Services, you pledge to adhere to these Terms & Conditions. Currency Key may withhold Services from any Customer or Receiver infringing these Terms & Conditions or involved in perceived illicit or unethical activities, including money laundering or terrorism financing.
If Currency Key discerns potential illicit or unethical activities linked to your use of our Services, we may annul the Transaction, cease interactions with you, and notify relevant authorities.
You acknowledge that these Terms & Conditions and related information from Currency Key aren't legal advisories. Seek counsel from professional advisors for legal implications.
You shall refrain from using any means to disrupt the Services or any Transaction.
Subject to legal constraints and these Terms & Conditions, once a Transaction is received, its cancellation isn't automatically permissible.
We guarantee our Services' provision with due diligence. In case of non-compliance, our sole remedy is either re-execution or refunding the Service Fees. We assume no further liability.
Currency Key doesn't guarantee Transaction approval. We can decline, suspend, or cancel a Transaction for various reasons, including but not limited to errors in fees or Exchange Rates, delayed payments, suspicions of illicit activities, or regulatory constraints.
Transactions funded by compromised Payment Methods or for dubious purposes may be rejected. Transactions might also be declined if:
In cases of Transaction refusal or cancellation, Currency Key might also suspend your registration linked to your Account Details, either temporarily or permanently.
Should you seek a refund, direct your request to the contact avenues delineated at the conclusion of these Terms & Conditions. If you encounter challenges with the Services or discern unauthorized or erroneously executed Transactions, promptly reach out via the contact channels specified at the end of these Terms & Conditions.
Upon approval of a refund request, either initiated by Currency Key or the customer, we shall expedite the refund process on the same day. Refunds will be reverted to the original payment source in the corresponding currency. Depending on the Payment Method, refunds typically materialize within 1-3 business days.
We are mandated by law to securely retain all records for a specified duration. While you can petition for account closure, your account records must be preserved for the stipulated period.
Post account termination, access to our online Services will be restricted. To re-engage with our Services, you'd need to initiate an account reactivation by contacting us through contact details listed on our website.
Account-related requests typically necessitate 1-3 business days for processing.
Even with a closed account, you retain the right to access past Transaction statements. Kindly contact us for such requests.
You recognize that these Terms & Conditions will be electronically endorsed or via your signature acceptance. The ensuing categories of information ("Communications") might be electronically conveyed:
These Terms & Conditions and any subsequent modifications;
Transaction records via the Services; Initial, periodic, or other disclosures or notifications, including those mandated by law;
While you can retract your consent for electronic Communications, we retain the right to communicate for Transaction fulfilment purposes. To withdraw consent, utilize the contact details at the end of these Terms & Conditions.
For accessing and retaining Communications, ensure:
It's crucial to promptly notify us of any email address changes. Before updating your profile, we'll conduct a verification in line with our privacy policy.
We'll notify you of significant system maintenance (lasting 12 hours or more) that might impede access to our online platform. However, we aren't obligated to inform you about our
Service Provider's maintenance activities. If our Service Provider's systems are under maintenance, it might delay your order processing.
Transaction Confirmation
Upon finalizing a Transaction, its details will be showcased on the Currencykey app or our website, prompting you for confirmation. These details encompass, but aren't limited to, Customer and Receiver details, Delivery Method, Transaction Amount, Receiving Currency, Service Fees, Total Amount, and any applicable Exchange Rate. By remitting the Total Amount, you affirm the accuracy and completeness of the provided Transaction details. Continuing with the Transaction at this juncture remains discretionary.
Should you suspect any discrepancies in the execution of your Transaction by Currency Key, it's imperative to notify us within 1 month from the Transaction date via the contact channels specified at the end of these Terms & Conditions.
When transacting in one currency and receiving in another, Exchange Rate differences might arise, potentially benefiting Currency Key. While we ensure the full Payout Amount is transferred, we aren't liable for deductions by intermediary or receiving banks.
If the Receiver's account currency differs from your specified payout currency, discrepancies or delays might ensue. It's your responsibility to ensure currency alignment.
The duration for the Receiver to access the Payout Amount post our receipt of your payment typically hinges on our partners but can be influenced by unforeseen factors, absolving us of any liability.
The Services are intended for personal acquaintances and direct contacts. Currency Key may halt Transactions suspected of being for unknown individuals or associated with illicit activities.
You and the Receiver must act independently. Transactions on behalf of third parties require our prior consent. If intending to act on behalf of another, notify Currency Key and provide the requisite documentation.
Engaging with our Services, whether online, or currencykey APP, mandates adherence to these guidelines. Breaching these can absolve Currency Key of any liability for potential losses.
For any queries, complaints, or information requests, you can reach out to Currency Key through:
HFCEX PTY LTD (T/A as CURRENCY KEY)
Level 8 90 Collins Street Melbourne VIC 3000 Australia
Email: info@currencykey.com.au
Phone: 0390886655
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