1. Kaah Express Pty Ltd may, in certain circumstances, use another Correspondent and or Wallet Provider’s eco system to make the payment.
2. A Correspondent and or Wallet Provider may charge commissions, fees, or other charges in making the payment to the beneficiary’s account and or Wallet Locator. Those commissions, fees or charges will either be deducted by the Correspondent from the funds paid to beneficiary’s account or passed on to us.
3. Where the deduction is made, the beneficiary will receive less than the payment amount specified in your instructions.
4. Funds transferred overseas by us should be available for Payment to the beneficiary’s account within a reasonable time from us accepting your instructions.
5. Whilst all reasonable measures will be taken to ensure that your monies have been remitted with care, that one or more intermediaries are involved in this process of transferring monies, we will not be liable for any costs, losses, or damages if a delayed payment occurred and or not deliverable at all whilst our employees have acted in good faith on your instructions. We limit out liability to maximum of refund of your proceeds paid in as soon as we receive an intimation from our correspondents that a payment to the contrary is not affected on the other end.
6. We collect, store and conduct, screening for international and cross-border national sanctions and for any information that might classify our customers into an increased risk, you warrant that by you signing this terms and condition automatically consent to such procedures, this includes that we may engage third parties to or make use of external systems and subscribed capabilities to complete these obligations.
7. You warrant that you would make reasonable attempt to update or let us know any change to your personal information, including name, address, nationality, Identification documents like Drivers Licence and contact details, you also warrant that you would let us know when you move out of your current residence to an overseas location for an extended period other than holidays.
8. We may record the IP addresses of the devices you use to conduct transactions with us to both protect your assets and identification from being stolen and to deter any unlawful transactions to happen from your account.
9. To be compliant with the regulatory framework that is in effect and the amendments, issuance of circulars, release of guidelines and change in interpretations in the legislative and or regulatory framework may put us in a position to effect stricter controls and adherence to further checks to make sure that our associates, our customers, and their beneficiaries do not misuse our channels for any unlawful purposes.
10. We may contact you and or the beneficiary to confirm your instructions or requiring further clarity on your identity, collect information on the source of funds, legitimacy of the destination of final credit and may ask you to undertake further actions in relation to this transaction.
11. In some limited circumstances, we may be able to stop or cancel a transfer of funds. Where it is applicable, we may not be able to provide complete information about the circumstances of refusal of the transaction or asset freezing in compliance with the tipping off provisions that we are bound by.
12. You agree to provide all information to us; that are required for us to reasonably comply with any law in force in Australia or any other country, and we will incur no liability to you if a transaction is held by a government agency in its course of enforcing any legislation that governs this remittance in Australia and or overseas.
13. You agree to pay or authorise us to deduct government levies we may incur in course of fulfilling our legislative obligations and or across the border if not paid in advance, from the amount remitted.
14. You agree that we may disclose any information that you provide where required by any law enforcing agency in Australia and or any other country unless you have disclosed to us that you are acting in a trustee capacity or on behalf of another party, you warrant.
15. You declare and undertake to us that the payment of monies to the beneficiary in accordance with your instructions will not breach any law in Australia or any other country.
16. You declare that the monies involved in this transaction were acquired from legitimate sources and this transfer is for legitimate business or household requirements only. You also understand that remitting monies to unknown persons promising unrealistic, too good to be true performances may not only result in complete loss of funds but may also relate you to the crime they are involved indirectly because you have funded that.
17. You warrant that you hold legal right to transfer funds electronically from an account from which you do such transfer for the purpose of doing this transaction, any

violation from this rule is your sole responsibility and claims arising out of such wrongdoing will amount to a rise of a debt due from you and you may face usual consequences of professional collection and or charges.

18. Where we collect any personal information in connection with your application, we do so to carry out your instructions and to comply with applicable laws. We may disclose that information to the beneficiary’s bank, a correspondent, SWIFT, or any relevant Government authorities. We act in strict accordance with the Principles of National Privacy Commission, and we do not use any of your private information to promote our business and or other associates unless you have specifically asked us to contact in future with promotional information.
19. You assume full responsibility for correctness of Full Name, Account Number, Sort Code, IBAN, IFSC Codes, Branch Name and SWIFT Code of beneficiary banks, wallet locator and or mobile wallet identifiers of the beneficiaries within our associate network of wallet infrastructure. You agree to compensate us where this data incorrectness involves loss of our money, relieve us from liability if your money is lost in case of a transaction is lost or credited into a wrong account and that was due to wrong information you have provided.
20. By signing this Application for an account opening for our services, you acknowledge and agree that:

• You have read and understood these terms and conditions and agree to be bound by them.
• You warrant and confirm that all particulars you have provided to us in connection with this application are true and correct.
• To complete a transfer and or stored value transfer including foreign exchange request, it will be necessary for us to transfer certain Personal information including your name and address to a recipient outside of Australia. You consent to such transfer.
• You are bound by the regulatory framework of Anti-Money Laundering and Counter Terrorism Act of Commonwealth of Australia, Electronic Transactions Act 2000 and any cross-border equivalent of these in the cross-border locations you intend to transfer to.

21. A Proof of Payment you send us is an evidence on which we rely on and execute this transaction, bouncing EFT Transactions are equivalent to a dishonoured cheque, you are aware of this.
22. An Electronic instruction should always accompany with a contra referenced Proof of Payment, failure to attach a proof of payment or failure to make payment in time will empower us to hold this transaction until a payment is made or if there are variation in rate, then to cancel the transaction altogether, the discretion is ours.
23. You understand it is your responsibility to make sure your attachments do not contain viruses and you communicate to us through your registered email, communications from any other email will not be considered authentic.