1. Acceptance of Terms

These Terms and Conditions govern your access to and use of the Registered Remit website and international money transfer services.

By accessing our website, creating an account, or using our services, you agree to be bound by these Terms and Conditions, our Privacy Policy, and any other policies published on our website.

If you do not agree with these Terms, you must not use our services.

 

2. About Registered Remit

Registered Remit is operated by OJHA Enterprises Pty Ltd (ACN 646 685 547).

We provide international money transfer services from Australia to overseas destinations. Our initial service corridors include Nepal and India, with additional countries to be added as our business expands and subject to applicable laws and regulatory approvals.

 

3. Eligibility

To use our services you must:

• Be at least 18 years of age.
• Have the legal capacity to enter into a binding agreement.
• Provide accurate and complete information.
• Successfully complete our identity verification process.
• Comply with all applicable Australian laws.

We may refuse to provide services where these requirements are not met.

 

4. Customer Identification (KYC)

As an AUSTRAC-registered remittance provider, Registered Remit is required by law to verify the identity of all customers before providing designated services.

You agree to provide:

• Valid government-issued identification.
• Current residential address.
• Date of birth.
• Contact details.
• Source of funds where requested.
• Source of wealth where required.
• Any additional information reasonably requested for compliance purposes.

Identity verification may be conducted electronically using trusted third-party verification providers, including Shufti Pro.

Failure to provide satisfactory identification may result in your transaction being delayed, declined, or your account being suspended or closed.

 

5. Our Services

Registered Remit provides international money transfer services, including:

• Sending money overseas.
• Foreign exchange services.
• Beneficiary payments.
• Business remittance services (where available).

Service availability may vary by destination country and local regulatory requirements.

 

6. Customer Responsibilities

You agree that:

• All information you provide is true and accurate.
• You are the lawful owner of the funds being transferred.
• Your transactions are lawful.
• You will immediately notify us of any changes to your personal information.
• You will not use our services for illegal purposes.

You are responsible for ensuring beneficiary details are accurate before submitting a transfer.

 

7. Prohibited Activities

You must not use Registered Remit for:

• Money laundering.
• Terrorism financing.
• Fraud.
• Tax evasion.
• Sanctions evasion.
• Human trafficking.
• Drug trafficking.
• Financing criminal activity.
• Identity theft.
• Any unlawful purpose.

We reserve the right to refuse or cancel any transaction where we reasonably believe unlawful activity may be involved.

 

8. Exchange Rates

Exchange rates offered by Registered Remit:

• Are determined at the time your transaction is accepted.
• May change without prior notice.
• Include applicable market fluctuations.
• May differ from publicly quoted exchange rates.

The applicable exchange rate will be disclosed before you confirm your transaction.

 

9. Fees

Applicable service fees will be disclosed before your transaction is confirmed.

Fees may vary depending on:

• Destination country.
• Transfer amount.
• Payment method.
• Delivery method.
• Promotional offers.

Government charges, intermediary bank fees, or receiving bank charges may also apply.

 

10. Payment Methods

We may accept payments through:

• Bank transfer.
• Electronic funds transfer.
• Other approved payment methods.

Cash payments are only accepted where permitted by law and our internal compliance procedures.

 

11. Transaction Processing

Transaction processing times depend on:

• Successful identity verification.
• Receipt of cleared funds.
• Beneficiary information.
• Banking system availability.
• Compliance reviews.
• Public holidays.
• Overseas banking partners.

While we aim to process transfers promptly, we cannot guarantee delivery times.

 

12. Compliance Reviews

We may place transactions on hold where required to:

• Verify customer identity.
• Conduct enhanced due diligence.
• Confirm source of funds.
• Review unusual transaction activity.
• Meet our obligations under the AML/CTF Act.
• Comply with sanctions laws.
• Respond to regulatory requests.

During a compliance review, additional information may be requested before processing can continue.

 

13. Refusal of Service

Registered Remit reserves the right to refuse, suspend, delay, or cancel any transaction where:

• Required identification is not provided.
• Information provided is inaccurate or misleading.
• Fraud is suspected.
• AML/CTF concerns arise.
• A sanctions match is identified.
• We are required to do so by law or regulatory authorities.
• The transaction breaches these Terms and Conditions.

Where legally permitted, we will provide the customer with an explanation for our decision.

 

14. Limitation of Liability

To the maximum extent permitted by law, Registered Remit is not liable for losses arising from:

• Incorrect beneficiary information supplied by the customer.
• Delays caused by banks or payment partners.
• Government actions.
• Natural disasters.
• Technical failures beyond our control.
• Currency fluctuations.
• Compliance-related transaction delays.
• Events outside our reasonable control.

Nothing in these Terms excludes rights that cannot be excluded under Australian Consumer Law.

 

15. Contact Us

If you have questions regarding these Terms and Conditions, please contact:

Registered Remit
OJHA Enterprises Pty Ltd
Office 8, 95 Bell Street
Coburg VIC 3058
Australia

Email: info@registeredremit.com.au

Compliance: compliance@registeredremit.com.au

Phone: +61 424 451 758

Website: https://www.registeredremit.com.au