Introduction
This is the agreement (hereinafter referred to as "this agreement") between you and KANGAROO BESTBUY PTY LTD and its affiliates (hereinafter referred to as "Koala Transfer"); You must comply with the terms and conditions of this agreement when you are using transfer service of Koala Transfer company, accessing Koala Transfer company's website (the "website" in this agreement includes www.koalaremit.com, the company's mobile websites and mobile applications, Koala Transfer WeChat official account and etc.) and its services provided by the company and the cooperative institutions (hereinafter referred to as "Koala Transfer" or "service"). You must read, agree and accept the terms and conditions contained in this agreement, and Koala Transfer is solely responsible for the services. This user agreement shall come into force on July 9, 2021. If you do not agree to be bound by this agreement, please do not access or use the service. By accessing and using this service, you agree to this agreement. Koala transfer reserves the right to make any modification or supplement to the terms of this agreement or business rules without prior notice to the user. The modified or supplemented terms of this agreement or business rules will be published on this website and will take effect immediately upon publication. Any new enhancements based on the service published in the future, including new tools and resources, will automatically apply to the agreement. If you continue to visit the website or continue to use the new service, you will be deemed to have accepted the revised agreement and business rules; Otherwise, you shall terminate this agreement by stopping access and refusing to use the service, deleting your account on this website, etc. The transfer service in your country and region ("local transfer") is provided by Koala Transfer and cooperative institutions (hereinafter referred to as "cooperative institutions"), both of which hold the local legal financial transfer license.
You acknowledge and agree:
a)The information you provide to Koala Transfer will be sent to Koala Transfer or cooperative institutions and used to register the user account of Koala Transfer or cooperative institutions to provide services for you; b)The local transfer is provided by Koala Transfer or cooperative institutions. You authorize Koala Transfer or cooperative institutions to receive your transfer request and transfer money for you; If necessary, you agree that Koala Transfer or Koala Transfer shall cooperate with the cooperative institutions to complete the services; c)You must read, agree and accept the user agreement between you and Koala Transfer or cooperative institutions (hereinafter referred to as "Koala Transfer or cooperative institutions user agreement"). The Koala Transfer or cooperative institutions user agreement forms a part of this agreement (Koala Transfer or cooperative institutions user agreement and this agreement are collectively referred to as "this agreement"). If you do not agree to be bound by the Koala Transfer or cooperative institutions user agreement, please do not access or use this service. By accessing and using this service, you agree to the Koala Transfer or cooperative institutions user agreement. In using this agreement, "company", "we" and "our" refer to Koala Transfer and its employees, consultants, directors, inheritors, subsidiaries, affiliates and assignees. "You" and "your" refer to users of this service, including payers or website visitors.
Service Overview
This service is created to help you transfer needed currency to your relatives and friends. We recommend that you only use this service to transfer money to acquaintances, and do not use this service to transfer money to strangers. This service is designed to help users transfer, request and collect money around the world. "Payer" refers to an individual who makes a transfer using this service. "Payee" refers to the individual who receives the transfer through this service. "Transfer" refers to the specific operation of transfer through this service. "Transfer amount" refers to the amount (excluding fees) provided by the payer to us for the relevant transaction. "Payment amount" refers to the amount paid to the payee or service company, excluding the basis of taxes collection or handling charges ("local taxes") that may be imposed by relevant national laws. The company is not responsible for any taxes or handling charges ("local taxes") that may be levied by the user in accordance with the relevant laws of the receiving country/region.
To use this service
1.You must be qualified to sign an agreement in accordance with the law. You must be at least eighteen (18) years old and you must be able to sign a legally binding contract in accordance with applicable law in order to access or use this service as a payer. Other restrictions may apply at the same time. You know and agree that if your user agreement with Koala Transfer or cooperative institutions does not require you to be over the age of 18 or as an individual, this clause shall prevail. 2.You may consume network traffic when accessing and using this service. The resulting traffic fees and other fees shall be charged by your telecom service provider. Please consult your telecom service provider for specific charging standards. We will not bear any data traffic fees and other fees charged by the service operator when you use this service. 3.Some users cannot use: some or all functions of the service may not be used in some countries/regions and jurisdictions, depending on local laws and regulations. 4.Using this service, you must meet the qualification requirements of Koala Transfer or the user agreement of cooperative institutions. 5.Please confirm that Koala Transfer is allowed to share with your payees the information you provide to Koala Transfer only for the purpose of necessary service information. Koala Transfer also recognizes that your payee is an acquaintance in your life and he/she allows you to provide necessary identification information to Koala Transfer and cooperative institutions, including but not limited to name, nationality, ID number, bank account information, contact address, phone number, etc. You further confirm that you guarantee that the payee will read and agree to our privacy terms with Koala Transfer and cooperative institutions. 6.Using this service, you must meet the transfer service Koala Transfer or cooperative institutions user agreement in your country and region, and you agree to be bound by the Koala Transfer or cooperative institutions user agreement. 7.By accessing and using this service, you confirm that you meet these requirements and agree to be bound by this agreement.
Access and use requirements
To access and use this service, you need a device that supports Koala Transfer and has internet access function. You are responsible for the device, and installation, maintenance, operation and related supporting equipment. In addition, you are responsible for taking appropriate virus protection measures on the equipment. The company shall not be responsible for any loss of the user's equipment due to device’s errors or faults, and the company shall not be responsible for any loss of the user's equipment due to viruses, spyware, malware, worms or related problems. In addition, the company will not be responsible for any loss caused by the delay of the information you provide to us (including but not limited to: service operator delay, Internet browser failure, etc.). You may consume network traffic when accessing and using this service, and you will bear the resulting traffic charges. Please consult your telecom service provider for specific charging standards.
Offer and acceptance
If you submit a transfer, it means that you request us and/or Koala Transfer or cooperative institutions to process the transfer. For this offer, we and/or Koala Transfer or cooperative institutions have the right to accept or reject it at own discretion. If the user agreement between you and Koala Transfer or cooperative institutions is otherwise agreed, the user agreement of Koala Transfer or cooperative institutions shall prevail.
Payment
1.You agree that for each transfer submitted by yourself, in addition to the transfer amount, you need to pay fees to us and/or cooperative institutions. The fee should be paid when your transfer is submitted for processing. 2.If relevant transfer needs to be deducted from the payer's bank account, you agree that Koala Transfer or cooperative institutions can deduct funds lower than the transfer amount from your bank account at any time for the purpose of confirming the ownership of the account. 3.In order to facilitate your payment to us and/or partners, you need to authorize Koala Transfer or cooperative institutions to access any payment instrument you provide and authorize us and/or cooperative institutions to collect or deduct money from it. 4.If the deduction fails or the amount is insufficient, Koala Transfer or cooperative institutions can try to deduct from the payment instrument again one or more times, or you can authorize Koala Transfer or cooperative institutions to deduct from other payment instruments. For example, if you have insufficient funds in your bank account when submitting a transfer, Koala Transfer or cooperative institutions can try to deduct money from your other bank account. You claim and warrant that you legally own these payment instruments. 5.If the actual payment amount is insufficient or exceeds the transfer amount submitted by you, you agree that Koala Transfer or cooperative institutions can exchange the currency according to the actual payment amount and transfer it to the payee. For example, if the actual payment does not reach or exceed the amount of the transfer when you submit the transfer, Koala Transfer or cooperative institutions can exchange the currency according to the amount you actually paid and transfer the converted currency to the payee. 6.You declare and guarantee that you legally own these payment instruments. We and/or cooperative institutions will not bear any handling charges or fees that may be charged by the financial institutions to which your payment instrument belongs. For example (but not limited to) when you use a credit card as a payment tool, the issuer may charge you a withdrawal fee and interest. We and/or our cooperative institutions will not bear any such fees, nor will we bear any insufficient deposit fees, deduction fees or other similar fees that your bank, credit card issuer or other providers may charge you for your use of the service. 7.If your transfer requires payment in one currency and collection in another currency, we and/or cooperative institutions usually earn the exchange rate differences, that is, the differences between the exchange rate when we purchased the foreign currency and the exchange rate provided to you. When transferring money to the payee's bank account, you agree that the other party's bank account should be denominated in the same currency as the transfer (for example, if you require us and/or cooperative institutions to deposit RMB into the payee's bank account, you should confirm that the payee's bank account is also denominated in RMB). 8.You know and agree that this part is only a general description. If the user agreement between you and Koala Transfer or cooperative institutions has other provisions on payment, please refer to the user agreement of Koala Transfer or cooperative institutions.
Receiving transfer
1.Service provider: we cooperate with the payee's local bank, currency exchange company and other licensed third-party service providers to provide this service for the payee. We will timely publish the latest information such as the location, service availability and working hours of relevant service providers on the website. In addition, you agree that we assume no responsibility for the accuracy or completeness of the information on the koala transfer website. 2.Verification: payee may need to show valid identification before withdrawing the money. In addition, the payee may need to provide a transfer proof or other similar identification related to this transfer. You authorize the company to contact your payee or service company for the purpose of providing services and store all such data. Please verify whether the account information and bank details are correct before submitting the transfer, because we are not responsible for checking whether any information is accurate. If the account information and bank details are incorrect, your money may be deposited into the wrong bank account and cannot be recovered.
Restrictions
1.We and/or cooperative institutions have the right to refuse any transfer or limit the transfer amount of each transfer or several transfers at any time without prior notice in accordance with the law or at our own discretion. Such restrictions may apply to individual accounts, multiple related accounts or family accounts, as determined by us and/or the partner. 2.We and/or cooperative institutions have the right to modify or terminate the service (or part of the service) at any time, with or without notice. Before the payee receives the corresponding amount, your transfer may be delayed or canceled without prior notice. We and/or cooperative institutions may delay or cancel your transaction for the following reasons, including but not limited to: authentication; Verification of transaction instructions and payment instruments; Compliance review of anti fraud and anti money laundering laws; Contact and find you, service partners, service providers, your payers or payees; Service delays may also be caused by business hours, system availability and money supply of Koala Transfer or our cooperative institutions and/or service providers. However, in some cases, you are entitled to a refund, as described in [errors and refunds] below. 3.You agree to use this service only to transfer money to acquaintances and for personal purposes. If we and/or cooperative institutions find that you use this service to request or send transfers to enterprises or other entities that are not natural persons, or pay service fees not specified in this service to the service company, we and/or cooperative institutions can, at their discretion, cancel your transfer and close your and/or your payer's or payee's account. 4.You confirm that Koala Transfer will not bear any responsibility for the consequences caused by using the service for commercial purposes when you use the service; These consequences include all risks arising from the purchase of any goods or services, including but not limited to losses caused by non delivery or defects of the goods and services paid for using the services. 5.Prohibited transfers: you shall not violate this agreement or any applicable laws, rules or regulations when using the service. You shall not use the services in violation of this agreement or any applicable law, rule or regulation. Using the service for any of the following activities shall be deemed to be a violation of this agreement, including but not limited to: pornographic materials or services; Gambling activities; Cheat; Money laundering; Financing terrorist organizations; Trade in tobacco, arms, prescription drugs or other controlled substances; Or transfer money to any payee who violates this agreement. If you use this service for any illegal act, we have the right to report it to the relevant law enforcement department. This service is created to help customers send transfers to their relatives and friends. If a transaction is suspected to be used for purposes prohibited by this agreement, including requesting or sending transfers to enterprises or other entities that are not natural persons, we and/or cooperative institutions have the right to cancel the transfer and close their accounts at their own discretion. You confirm that you are responsible for your use of the services in violation of this agreement. 6.If a transfer is suspected to be used for purposes prohibited by this agreement (e.g. commercial purposes), including but not limited to shopping or payment of any form of services, we and/or cooperative institutions have the right to cancel the transfer and close their accounts at their own discretion. We and/or cooperative institutions do not accept all payment instruments from all users. We and/or cooperative institutions have the right to refuse to use certain payment instruments at their own discretion. We and/or cooperative institutions have the right, at our sole discretion, to refuse payments from certain payers or to certain payees or partners and service providers. 7.Without the consent of Koala Transfer and/or cooperative institutions, you shall not request, submit or receive transfers as follows: on behalf of any other person; On behalf of an enterprise or other entity that is not a natural person; Or on behalf of charities. We and/or cooperate institutions have the right to refuse any transfer at any time in its sole discretion; Close multiple accounts held by a person, a person associated with that person, or a person living with that person. 8.Once you submit the transfer, we and/or cooperative institutions usually will not allow you to change the specific content of the transfer. We and/or cooperative institutions believe that the information you provide is accurate, and you should ensure that your transfer details are accurate before submission. 9.If you are under the age of eighteen (18) when agreeing to and accepting this agreement, we shall not be liable for any loss arising from your use of this service. 10.As a user of our website or service, or in the process of interacting with the service, you shall not: 10.1. Violate this agreement or any other agreement signed between you and Koala Transfer and/or cooperative institutions; 10.2. Opening multiple accounts; 10.3. Providing false, inaccurate or misleading information; 10.4. Refuse to cooperate with the investigation, or refuse to confirm their identity or refuse to confirm the information provided to us; 10.5. Use anonymous proxy server; 10.6. Withdraw cash from credit card (or help others withdraw cash); 10.7. Share the transfer number or information with any person other than Koala Transfer and/or cooperative institutions, payee or beneficiary, and you should remind the payer, payee or beneficiary not to share the transfer number or information; Or 10.8. Share the transfer number or information with any person other than Koala Transfer and/or cooperative institutions, the payee or the beneficiary, and you should remind the payee or the beneficiary not to share the transaction number or information; 11.You acknowledge and agree that if there are other supplementary agreements on restrictions in the user agreement between you and Koala Transfer or cooperative institutions, you need to abide by these supplementary agreements at the same time; You further understand and agree that the restrictions on the amount of transfer in clause 1 and the purpose of transfer in clause 3 of this part have priority. Even if it is otherwise agreed in the user agreement of Koala Transfer or cooperative institutions, clauses 1 and 3 of this part shall also be applied preferentially.
Information collection
1.Privacy policy: if you agree to this agreement, you confirm and agree to our privacy policy, which is also an agreement between you and Koala Transfer and/or cooperative institutions. For privacy policy terms, please refer to our website or privacy terms. 2.Customer identification procedure: in order to help the government combat terrorist organization financing and money laundering, the laws of your country and region require us and/or cooperative institutions to obtain, verify and record your relevant information. We and/or cooperative institutions may require you to provide non-public personal identification information about yourself and the payee. We and/or cooperative institutions may also legally obtain your relevant information from other sources without your knowledge. For example, we and/or cooperative institutions may obtain your non personally identifiable information when you visit the company's website. Please refer to Koala Transfer and/or cooperative institutions’ privacy policy. 3.Report to the government: we and/or cooperative institutions may provide relevant information about you and your transfers to government ministries and law enforcement agencies. For specific provisions, please refer to the relevant instructions in the privacy policy. 4.Information verification: you authorize us to make necessary inquiries directly or through a third party to verify the information you provide us. You authorize us to make necessary inquiries directly or through a third party to verify the information you provide us. This may include asking you for additional information, asking you to confirm ownership of your email address, mobile device or financial instrument, or verifying your information through a third-party database or other source. 5.Data collection: in order to comply with the "anti money laundering, anti terrorist financing and proceeds of illegal activities law" and other laws and regulations that may be applicable. In addition to the above, we and/or cooperative institutions may also need to collect the following information: your ID card details, passport details, occupation details, bank account information, salary range, fund source and other relevant contact information.
Errors and refunds
Refunds: Usually we do not provide refunds unless it is our error. However, if you provide the payer's full name, address, telephone number, transfer order number, transfer amount and the reason for your refund request, we and/or cooperative institutions will consider your written refund request (submitted by e-mail or fax). We will try to avoid withholding from your payment tool upon receipt of cancellation request. In some cases, however, we and/or cooperative institutions may have initiated an irrevocable claim for deduction to your financial institution before receiving the cancellation request. At this point, even if the transfer is canceled, your payment tool may have completed the deduction. The refund amount will be credited to the same payment tool that you pay the transfer. Refunds are paid in the original currency of payment only. The refund amount will not be adjusted according to the foreign currency exchange rate changes after you submit the transfer. General terms: please let us know in time if there are any problems with this service. You can contact us through the contact information at the bottom of this agreement.
Intellectual property
You confirm that this service, including but not limited to the content, text, pictures, links, buttons, logos and images in the website, as well as all other patents, copyrights, trademarks, trade secrets, service marks, logos and product and service names, are the exclusive property of Koala Transfer (i.e. "intellectual property"). You agree not to display, use, copy or modify the intellectual property in any way. You have the right to view and retain copies of the website for personal and non-commercial purposes only. You also agree not to: (1)utilize or use any automatic equipment, data mining, robots, data capture or similar data collection or extraction methods to access or use the service; (2)Modify, copy, design, capture, lease, loan, sell, distribute or create derivatives based on part or all of the contents of the service, but the above provisions do not apply to the information you legally upload to the service; (3)Delete or modify any author, commodity or other patent mark or annotation displayed on the website (or any printed surface); Or (4)Violate the copyright, patent, trademark, trade secret or other intellectual property right, publication right or privacy right of the company or any third party. The technology and software contained in or distributed with the service are the property of Koala Transfer, its subsidiaries and partners or service providers (hereinafter collectively referred to as "software"). Subject to the terms and conditions of this agreement, Koala Transfer hereby grants you a non transferable, non sublicensable and non exclusive right and license to use any software object code related to the service only on your own equipment, provided that you agree not to copy (unless expressly permitted therein), modify, create derivative works, reverse engineering, reverse assemble or otherwise try to send any right to source code, sell, transfer, sublicense or otherwise transfer the software. Any rights not expressly granted herein shall be owned by the company.
Disclaimer
The services and software (if applicable) are provided "as is" without any express, implied or statutory warranty or condition. We, our subsidiaries, employees, providers, suppliers, cooperative institutions and service providers expressly disclaim any implied warranties, including any warranties of ownership, merchantability, fitness for a particular purpose and non infringement. We will try to ensure that the transfer is processed in a timely manner, but we do not make any statement or guarantee about the time required to complete the transfer, because this service depends largely on many uncontrollable factors. Some jurisdictions do not allow exemption from implied warranties, so the above exemption may not apply to you. Notwithstanding the above, you are still entitled to a refund in accordance with the provisions of this agreement.
Limitation of liability
For any direct, indirect, incidental, special, consequential or excluded losses (except for the return of transaction amount and transaction fee), including but not limited to the loss of profits caused by the negligence of the company, its suppliers, distributors, partners, service providers, service companies or their corresponding subsidiaries, managers, agents, partners, employees or consultants, the company, its providers, suppliers, partners, service providers, service companies or their corresponding subsidiaries, officers, managers, agents, partners, employees or consultants shall not be liable for goodwill, use, data or other intangible losses if the total amount exceeds US $500.
Indemnity
You agree that you will waive the company, its suppliers, suppliers, partners, service providers, service companies and their respective subsidiaries from any cause or claim, including reasonable attorney fees, arising out of your own use of the service, connection to the service, breach of the user agreement, breach of any legal regulations or breach of any third party's rights. You further agree that the protection of the rights of the company, officials, managers, agents, partners, employees and consultants is in full responsibility and that your rights are not prejudicial to your interests.
Other terms
1.Customer update: if you change your email address and telephone number, you must update your personal data on our website in time to inform us. If your address or email number changes, you must inform us in time. Without the correct contact information, we cannot inform you of relevant important information or changes in transfer status. 2.Priority: the cooperative institutions user agreement forms a part of this agreement. Between you and the cooperative institutions, the cooperative institutions user agreement shall prevail. Unless the terms of this agreement clearly indicate or intend to replace some terms in the cooperative institutions user agreement, the terms of this agreement shall prevail. 3.Full agreement: this agreement constitutes the entire agreement between Koala Transfer and/or cooperative institutions on the services, and supersedes all agreements you have reached with Koala Transfer and/or cooperative institutions and/or any other party in connection with the service. 4.Waiver of Rights: if the arbitrator or the court with jurisdiction finds any provision of this agreement invalid, both parties shall agree that the arbitrator or the court shall strive to retain the appropriate effect of the intention of this agreement reflected in the provision, and other provisions of the user agreement shall remain in full force and effect. The failure of the company to enforce or enforce any rights or terms of this agreement does not constitute a waiver of such rights or terms, nor does it guarantee that the company will repeat such acts in the future. If the arbitrator or court with jurisdiction finds any provision of this agreement invalid, both parties shall agree that the arbitrator or court shall strive to retain the appropriate effect of the intention of this agreement reflected in the provisions, and the other provisions of the user agreement shall remain in full force and effect. 5.Modification: we have the right to modify this agreement from time to time without notice unless explicitly required by law. You can log in to our website at any time to view the latest version of the user agreement. If you do not agree to any modification or supplementary terms, you may terminate the service. If you continue to use the service after the supplementary or modified terms take effect, you shall be deemed to have accepted the supplementary or modified terms. You agree not to modify this agreement and confirm that any attempt to modify this agreement is invalid. 6.Language: if there is any inconsistency between Chinese and English or other language texts (including user agreement) on our website, the Chinese version shall prevail. 7.Special note on international use: the software and data transmission (if any) related to this service shall comply with the provisions of U.S. export control. Downloading software from this service website, or exporting or re exporting software, shall not violate U.S. export laws. Download or use the software at your own risk. In view of the global nature of the Internet, you agree to abide by relevant local laws and regulations, including online behavior and acceptable content.
Security
1. The security and integrity of your account is very important. The company will make every effort to ensure the security of your information. This service is a safe and convenient way to transfer money for your family and other trusted people. However, scams and fraudsters are everywhere, so we strongly recommend that you do not transfer money to strangers. If any individual or entity is found to have improperly used the service, please email us immediately. 2. If you think you have become or may become a victim of fraud, please contact us immediately. If any individual or entity is found to have improperly used the service, please email us immediately.
Contact information
If you have any questions, notices, refund requests or need more information, please contact us.Email: koala@koalarmt.com