1. All remittances processed by MoneyMex are subject to full compliance with the official laws and regulations of the origin, intermediary, and destination countries involved in the remittance.

2. The sender of the remittance is solely responsible for the accuracy of all information entered in the remittance forms and all documents submitted to MoneyMex. In the event of any discrepancy or error, the sender shall be responsible for responding to the relevant authorities and compensating for any resulting loss or damage.

3. Non-face-to-face transactions refer to transactions conducted pursuant to the general rules and regulations of MoneyMex and based on the financial relationship and credit history between the customer and MoneyMex.

4. Given the full review and verification of documents relating to each remittance prior to approval, and in accordance with anti-money laundering laws and regulations in the origin and destination countries and/or any other undisclosed conditions, MoneyMex may suspend any remittance for any reason and notify the sender and, where required, the relevant legal authorities.

5. For the purpose of carrying out legal compliance checks, confirmation of the documents and the amount deposited to MoneyMex shall be notified to the sender and the recipient in Australia by email or SMS after legal review. Upon confirmation of the documents and the deposited amount, MoneyMex shall be committed to processing the remittance.

6. If the sender withdraws from the remittance before the funds are sent to the destination account, the initial deposited amount shall be refunded to the sender, after deduction of the cancellation fee or loss, within a maximum of 3 days. The determination of the cancellation fee or loss shall be at the sole discretion of MoneyMex, and the customer shall be obliged to pay it. The sender waives any right of withdrawal after the remittance has been sent to the destination account.

7. The sender of the remittance shall be deemed the owner of the deposited funds until such funds are sent to the destination account. After confirmation of the remittance, if due to any error in the information provided, discrepancy in the destination account, or any banking or legal reason that makes payment to the destination account impossible, MoneyMex shall, unless prohibited by law, refund the deposited amount to the sender within a maximum of one week after deducting all costs, expenses, and losses incurred. The amount of such loss shall be determined by MoneyMex.

8. According to the information published on the MoneyMex website, completed and approved remittances shall, subject to completion of the required documents and the absence of any legal or financial issue relating to the destination account, be sent to the recipient’s account within a maximum of 3 business days from the time of approval.

9. In the event of any error in payment at the destination, including but not limited to duplicate mistaken payment to the recipient’s account or any other error the rectification of which depends on the cooperation of the recipient, the sender and the remittance user accept responsibility for recovery of the funds and rectification of the error. If the recipient fails to cooperate, MoneyMex shall have the right to report the remittance to the relevant legal authorities as a suspicious remittance and to pursue the matter legally and financially until the funds are returned. All legal and associated costs relating to compensation for losses shall be borne by the customer or the beneficiary of the remittance.

10. The customer acknowledges that MoneyMex has no partnership or business relationship with the customer other than exchange services and has no involvement whatsoever in the customer’s financial, commercial, or business activities anywhere in the world. MoneyMex solely performs currency transfer services based on the customer’s instructions and request and in accordance with applicable laws and regulations.

11. Non-face-to-face transactions are generally conducted by receiving and confirming the remittance amount and exchange rate by telephone, email, or other virtual communication methods.

12. Any transaction agreed between you and MoneyMex Australia is lawful, final, and binding on both parties. If you have not yet made your final decision regarding payment of the remittance amount, you must not proceed with the transaction. If payment is not made by you by the end of business hours, the transaction will be cancelled and you will be liable to pay the remittance cancellation fee. Otherwise, MoneyMex Australia may decline to conduct any further non-face-to-face transactions with you thereafter.

13. Your full deposited amount will not be sent to a single account. For Rial payments, you must act strictly in accordance with the list provided to you, meaning that you must deposit exactly the specified amount into each designated account.

14. For deposit slips relating to Iranian banks, please refrain from using words such as currency, remittance, exchange, Iran, or Australia in the section titled “Reason” or “Description”. Instead, use the phrase “settlement of debt”, and if the transfer is made online, use the phrase “payment of debt”. Any mistake in this section may result in the funds being returned to your account.

15. For payments made through Australian banks, please follow the instructions provided by MoneyMex and enter the exact reference provided in the bank payment field. Your payment must be made in one transaction, either online or by cash deposit, based on coordination with the MoneyMex remittance officer. For online payments, please check your limit. Please refrain from making payment in multiple instalments and ensure that you coordinate with the MoneyMex remittance officer prior to making payment. Any payment made in multiple instalments without prior coordination may result in the amount being returned to your account and the remittance being cancelled.

16. Please send your deposit slips no later than 2 hours after receiving the payment list.

17. Please note that all possible mistakes in your Rial deposits shall be entirely your own responsibility. You are therefore requested to exercise due care when depositing amounts.

18. Payments made by MoneyMex may be made to your account in several parts.

19. The remittance cancellation fee shall be 10 percent of the total remittance amount.

20. MoneyMex undertakes to pay the remittance amount within 1 to 3 business days from the time the funds are received, being the time when the amount is cleared in the account nominated by MoneyMex. MoneyMex does not provide urgent remittance services.

21. Please note that MoneyMex does not, under any circumstances, have the ability to share deposit slips.

22. MoneyMex Exchange Company undertakes to comply with all regulations governing money transfer operations to and from Australia and bears no responsibility whatsoever in respect of legal or tax laws in any other country, including Iran.

23. In accordance with Australian regulations, any person present in Australia who wishes to make a remittance, regardless of the amount, must provide certified identification. You may have your identification document certified by a pharmacy, Australia Post, or a JP. A photograph of you holding your identification document is also accepted as certified identification.

24. Due to international banking restrictions, payments to and from customers are not made through the exchange company’s direct bank account. All payments are made by the exchange company’s customers and approved third parties, whether individuals or companies.

25. Due to sanctions, international banking restrictions, and banking controls, the bank account of the sender or recipient may be temporarily frozen, for a period ranging from several days to several months, or permanently closed. In most cases, the customer’s funds are returned after the bank’s review and once a decision has been made to lift the freeze or permanently close the account. Although MoneyMex, based on extensive experience, pursues professional measures to minimise such occurrences, actions and decisions taken by banks are unfortunately beyond the control of MoneyMex. MoneyMex disclaims all liability in respect of any complaint or claim for damages by the customer, whether the sender or recipient of the remittance, in this regard. Based on experience, the best course of action in such circumstances is patience and precise and honest cooperation with the bank, regulatory authorities, and MoneyMex.

26. Further and more detailed information regarding the terms and conditions of money transfer services and the operating mechanism of MoneyMex may also be found in the Frequently Asked Questions section.

27. All financial and legal responsibilities relating to the remittance shall rest with the sender or recipient of Australian Dollars. The recipient of the funds in Australia confirms that if the sender’s payment is reversed or becomes problematic for any reason, the recipient must promptly return the funds received and fully cooperate with MoneyMex until the matter is finally resolved on the sender’s side.

28. The sender of funds in Australia confirms that if the recipient’s payment becomes problematic for any reason, the sender must fully cooperate with MoneyMex until the matter is finally resolved.