1. Introduction

Welcome to Registered Remit. This User Agreement sets out the terms governing your use of our website, mobile services, and international money transfer services.

By registering for an account, accessing our website, or using our services, you confirm that you have read, understood, and agree to be bound by this User Agreement, our Privacy Policy, Cookie Policy, and any other policies published on our website.

 

2. About Registered Remit

Registered Remit is operated by OJHA Enterprises Pty Ltd (ACN 646 685 547), an Australian company providing international money transfer services.

Our services currently facilitate money transfers from Australia to Nepal and India, with additional international destinations to be introduced over time, subject to regulatory approvals and operational availability.

 

3. Eligibility

To use our services you must:

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

We reserve the right to refuse or terminate services if these requirements are not met.

 

4. Account Registration

You agree to:

• Register using your true legal name.
• Keep your account information current and accurate.
• Maintain the confidentiality of your account credentials.
• Notify Registered Remit immediately if you suspect unauthorized access to your account.

You are responsible for all activities conducted through your account.

 

5. Customer Identification (KYC)

As an AUSTRAC-regulated remittance provider, we are legally required to verify your identity before providing services.

You agree to provide:

• Government-issued identification.
• Residential address.
• Contact information.
• Date of birth.
• Source of funds and source of wealth where requested.
• Any additional information required under Australian AML/CTF laws.

Identity verification may be performed using Shufti Pro and other approved verification providers.

 

6. Use of Our Services

You agree to use Registered Remit only for lawful purposes.

You must not use our services to:

• Launder money.
• Finance terrorism.
• Commit fraud.
• Circumvent sanctions.
• Conduct illegal gambling.
• Purchase illegal goods or services.
• Support criminal organisations.
• Engage in any activity prohibited by Australian law.

 

7. Transaction Verification

Registered Remit may request additional information before processing a transaction, including:

• Proof of identity.
• Proof of address.
• Source of funds.
• Purpose of the transfer.
• Supporting documentation.

Transactions may be delayed while compliance reviews are conducted.

 

8. Exchange Rates and Fees

Exchange rates and service fees are displayed before you confirm your transaction.

Rates may change without notice until your transaction has been accepted and funded.

Receiving banks or payment partners may deduct additional fees beyond Registered Remit's control.

 

9. Transaction Processing

Processing times depend on:

• Successful identity verification.
• Cleared payment.
• Banking hours.
• Public holidays.
• Compliance reviews.
• Beneficiary bank processing.
• Overseas payment partner availability.

Estimated delivery times are not guaranteed.

 

10. Compliance and Sanctions

Registered Remit complies with:

• Australian AML/CTF Act 2006.
• AUSTRAC requirements.
• Applicable sanctions laws.
• International regulatory obligations.

All customers, beneficiaries, transactions, and payment instructions may be screened against applicable sanctions and watch lists.

We reserve the right to suspend or reject any transaction that may breach legal or regulatory requirements.

 

11. Suspicious Activity

If we reasonably suspect that a transaction may involve fraud, money laundering, terrorism financing, sanctions violations, or other unlawful activity, we may:

• Delay the transaction.
• Request further information.
• Cancel the transaction.
• Freeze funds where legally required.
• Report the matter to AUSTRAC or other competent authorities.

We are not required to disclose details of any regulatory reporting where prohibited by law.

 

12. Customer Responsibilities

You agree to:

• Provide accurate beneficiary information.
• Ensure transferred funds belong to you or are lawfully controlled by you.
• Notify us promptly of any errors.
• Cooperate with compliance requests.
• Keep your contact details up to date.

 

13. Refunds and Cancellations

Refunds and cancellations are subject to our Refund Policy.

Refunds may not be available where:

• Funds have already been paid to the beneficiary.
• Incorrect beneficiary information was supplied.
• The transaction has been completed.
• Legal restrictions apply.

Compliance-related delays do not automatically entitle customers to compensation.

 

14. Limitation of Liability

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

• Incorrect information supplied by customers.
• Banking system delays.
• Currency fluctuations.
• Government action.
• Technical failures beyond our control.
• Force majeure events.
• Third-party service interruptions.

Nothing in this Agreement excludes rights that cannot be excluded under Australian Consumer Law.

 

15. Privacy

Your personal information is collected, used, and disclosed in accordance with our Privacy Policy and applicable Australian privacy laws.

By using our services, you consent to the collection and use of your information for identity verification, fraud prevention, transaction processing, and compliance with legal obligations.

 

16. Intellectual Property

All content on the Registered Remit website, including text, graphics, logos, software, and branding, is owned by or licensed to Registered Remit.

You may not reproduce, distribute, modify, or use our content without prior written permission.

 

17. Suspension or Termination

We may suspend or terminate your account where:

• You breach this Agreement.
• False information is provided.
• Fraud or suspicious activity is detected.
• Required identification is not provided.
• Continued service would breach applicable laws.

 

18. Changes to This Agreement

We may amend this User Agreement at any time.

Updated versions will be published on our website and become effective upon publication unless otherwise stated.

Continued use of our services constitutes acceptance of the updated Agreement.

 

19. Governing Law

This Agreement is governed by the laws of the State of Victoria and the Commonwealth of Australia.

Any disputes shall be subject to the exclusive jurisdiction of the courts of Victoria, Australia.

 

20. Contact Us

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

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

Email: info@registeredremit.com.au

Compliance: compliance@registeredremit.com.au

Phone: +61 424 451 758

 

Customer Declaration

By creating an account or using Registered Remit's services, you acknowledge and agree that:

• You have read and understood this User Agreement.
• All information you provide is true, accurate, and complete.
• You will comply with all applicable laws and regulations.
• You consent to Registered Remit conducting identity verification and compliance checks.
• You agree to our Privacy Policy, Cookie Policy, and Terms and Conditions.
• You understand that Registered Remit may delay, refuse, or cancel transactions where required by law or for compliance purposes.