Terms and Conditions

The website smoney.com.au (Website) is operated and controlled by S Money Pty Ltd (S Money, we, our or us).

S Money provides the Services to customers (Customer, you or your), subject to these terms and conditions (Terms).

These Terms govern your use of the Website and the Services. Please read them carefully.

By using the Website and the Services, you enter into a binding legal agreement (Agreement) between you and S Money, the terms of which are set out in the Confirmation Email and these Terms. If you disagree with these Terms, you must not use the Website, or the Services, or give any Order to S Money to provide the Services.

 

1. Customer eligibility

1.1 To access the Services, you must be an individual over the age of 18, resident in and accessing the Services from Australia via the Website, placing an Order either on your own behalf or on behalf of a corporate entity, and have full capacity to enter into, agree to and comply with the Terms.

1.2 You agree to comply with all requests and provide S Money with all Information and other documents requested by S Money in accordance with the KYC Procedures.

1.3 S Money reserves the right in its absolute discretion to refuse to provide Services to a Customer at any time, and retains the right to ask for further information or to set further requirements that may be reasonably necessary to protect S Money’s interests.

1.4 You must not use the Service in a fraudulent manner.

 

2. Services

2.1 The Services provided by S Money to Customers are as follows:

(a) access to an online ordering facility through the Website for the purchase of:

(i) FX Cash which is to be collected by you at a Unimoni Store (Collection); or

(ii) FX Cash which is to be delivered to you at your Address (Delivery).

2.2 You can place an Order by completing the application form on the Website. If your Order is accepted, you will receive an activation advice. For additional security, you may choose to activate the Two-Factor Authentication Feature.

2.3 As part of the Order process, you must provide us with the Information, which includes Personal Information.

2.4 S Money will only collect Personal Information which is necessary to enable S Money to provide you with the Services. S Money will collect and manage your Personal Information in accordance with our Privacy Policy, which can be accessed here smoney.com.au/privacy-policy.

2.5 S Money will use reasonable precautions to maintain the security and confidentiality of your Personal Information. However, given such Personal Information is provided and stored on the internet, you acknowledge and agree that S Money cannot guarantee the security or confidentiality of your Personal Information.

2.6 You accept the risk of a third party receiving your Personal Information, and release and indemnify S Money from any claim arising out of a third party intercepting, accessing, monitoring or receiving any communication between you and S Money, or improperly accessing your Personal Information.

2.7 By placing an Order, you are consenting to us collecting your Personal Information and providing it to third party electronic verification service providers for the purpose of Verification, as outlined in the S Money Privacy Policy.

2.8 We reserve the right to request further Information and/or Identification from you at any time to enable us to complete your Order and/or to comply with the KYC Procedures or with any other legal or regulatory requirements.

2.9 You acknowledge and agree that if S Money determines in its sole discretion that the FX Cash Collection Procedures have not been complied with or completed, to the standard determined by S Money, S Money may, in its sole discretion, refuse to provide you with the Services at any time.

2.10 S Money may suspend your access to the Website at any time without notice if we believe, in our sole discretion, that you have breached these Terms or any other applicable laws.

2.11 You are to notify S Money immediately, by submitting a new request to the Contact Us section of the Website, of any suspected unauthorised use of your name or user credentials, or any other breach of security.

 

3. Orders

3.1 You offer to acquire the FX Cash under these Terms at the time you place an Order on the Website.

3.2 After we receive your Order, the Website will display a confirmation page setting out the details of your Order, and we will communicate our acceptance of your offer by sending you a Confirmation Email, which sets out all of the details of the confirmed Order. Please print the Confirmation Email and keep it in a safe or secure place.

3.3 After we receive payment for your Order, the Website will display a confirmation page setting out the details of your payment and we will communicate our acceptance of your offer by sending you a Payment Email, which sets out all of the details of your payment for the confirmed Order. Please print the Payment Email and keep it in a safe or secure place.

3.4 Once we send the Payment Email to you, you cannot change or cancel any Order you place with us.

3.5 We may, at our sole discretion, accept or reject any Order we receive.

3.6 Acceptance of your Order is conditional on receipt of payment and completion of certain checks required by law (see clauses 2.8 and 2.9)

3.7 The title to any FX Cash you have purchased will transfer to you immediately upon dispatch by us of the Confirmation Email.

3.8 For Collection, you authorise and accept that we will hold any FX Cash you have ordered as bailee until you collect your FX Cash, or in the case of Delivery, until your FX Cash has been delivered to you.

 

4. Payment

4.1 S Money may accept payment for Orders via an Accepted Deposit Method.

4.2 For both Collection and Delivery, the Customer must be:

(a) the person placing the Order; and

(b) if payment is made via Card, the cardholder of the Card, or if payment is made by electronic funds transfer from the Customer’s bank account, the account-holder of the Customer’s bank account.

Card payments:

4.3 For Orders paid for by Credit Card, the amount of the payment will be debited to the Credit Card account when the Payment Email is created.

4.4 For Orders paid for by Debit Card, the amount of the payment will transferred from the Debit Card to S Money’s bank account when the Payment Email is created.

4.5 You must ensure that the Card is registered in your name and your Card has access to sufficient funds available to cover your Order and any applicable fees. We will reject an Order if there are insufficient funds available on the Card.

4.6 We will not accept payment for any Order from a Card which is in the name of a person or entity other than the Customer.

4.7 At the time of Collection and Delivery, the Customer must present the physical Card in person, which must be examined by the following parties in the following situations:

(a) Collection: by the Unimoni Store Manager; or

(b) Delivery: by the Delivery Agent.

4.8 Payments made via Credit Card are subject to the terms and conditions imposed by the Credit Card issuer/bank, including any fees charged.

4.9 Payment by Card will incur a non-refundable card surcharge, as amended from time to time. This amount will be included in the Confirmation Email.

Electronic bank transfers:

4.10 S Money reserves the right to require Customers to provide evidence of deposits made by electronic bank transfers made as an additional payment verification step.

4.11 If paying by electronic funds transfer, you must use a bank account with sufficient funds available to cover your Order (including the Fees).

4.12 Payments made by way of electronic funds transfer or other bank transfers are subject to the Customer’s bank’s transfer terms and conditions. You acknowledge that S Money is also bound by the terms and conditions that apply to S Money’s bank account.

General payment terms:

4.13 By placing an Order, you confirm that the details contained in the Order are true and correct in all respects.

4.14 When placing an Order, you must nominate a Delivery Date or a Collection date, as the case may be. FX Cash will only be available for Collection or Delivery once the Payment Email has been created and sent to you. If an Order is placed after 1 pm on a Business Day, the FX Cash will only be available for Collection after 3.00pm on the same Business Day.

4.15 The risk and responsibility for placing your Order rests with you.

4.16You can view your past Orders at any time via the Website.

4.17 All Orders for FX Cash are subject to the FX Cash Transaction Limits, which may be different to the limits imposed when purchasing foreign currency at a Unimoni Store directly.

4.18 The FX Cash Transaction Limits are subject to change from time to time at our sole discretion. You may request an increased limit, but S Money has absolute discretion concerning limits.

4.19 The total sum payable by you for your Order is set out in the Confirmation Email, and includes the Fees.

4.20 If you choose to pay by Card, your Card issuer/bank may charge an additional cash advance or other credit or debit fee. We have no control over and are not liable for such fees.

Refunds

4.21 S Money may, at its sole discretion, decide to cancel a Customer’s Order if the Customer fails to collect the FX Cash within 90 days of the Collection Date for the Order (the Cancelled Order). If this occurs, S Money will refund the payment made by the Customer for the Order.

4.22 If the Customer has paid for the Cancelled Order using a Card, the Customer acknowledges that it may take up to 3 Business Days after the Order is cancelled for a refund to be processed and applied to the Card.

4.23 Card refunds will can only be allocated to the Card from which the payment originated.

4.24 Electronic transfer refunds will only be allocated to the bank account from which the payment originated.

 

5. Collection and delivery

5.1 The Confirmation Email will set out the Collection Date or the Delivery Date, as the case may be.

5.2 We will use our reasonable endeavours to arrange for your FX Cash to be available on the Collection Date, or delivered on the Delivery Date, but we will not be liable for failing to do so. You acknowledge and agree that the Delivery Date and the Collection Date may be delayed or varied, for reasons including but not limited to a Force Majeure Event.

5.3 We may change the Collection Date and /or the Delivery Date from time to time at our sole discretion. If we decide to change either the Collection Date or the Delivery Date, we will advise you of the change by email to the email address which is associated with your Order, at least 1 Business Day before the Collection Date or Delivery Date.

Collection

5.4 You may change the Collection Date, provided that you contact us at least 4 Business Days prior to the Collection Date which was previously agreed, or as set out in the Confirmation Email.

5.5 When you place an Order for Collection, you must select a Unimoni Store where the FX Cash is to be collected. The Unimoni Store selected by you cannot be changed after the Confirmation Email has been created.

5.6 On or after the Collection Date, your FX Cash can be collected by you from the Unimoni Store set out in the Confirmation Email, during the Unimoni Store’s usual opening hours, which are set out on the Website.

5.7 In the event that S Money is unable, for any reason, to arrange for the FX Cash to be available for Collection on the Collection Date from the Unimoni Store, S Money may, at its sole discretion, change the Unimoni Store and/or Collection Date by notifying you at least 1 Business Day prior to the Collection Date.

5.8 At the time of Collection, the Customer must attend in person at the Unimoni Store, sign the copy of the Order or other documentation as required by the Unimoni Store, and must also produce the following for the inspection of the Unimoni Store Manager:

(a) if the Customer paid by Card, the Card used to pay for the Order, which is in the name of the Customer as it appears on the Confirmation Email;

(b) a print-out of the Customer’s Confirmation Email which relates to the Order; and

(c) the Identification provided to S Money at the time of placing the Order.

5.9 In order to comply with S Money’s AML/CTF obligations, the KYC Procedures and other legal or compliance obligations, the Customer agrees, upon request by the Unimoni Store Manager and/or S Money, to provide further information and additional identification documents (including but not limited to proof of Address). The Unimoni Store Manager may take copies of any Information and/or additional documents provided by the Customer.

5.10 If the Customer fails to comply with each of the requirements of clause 6.8 above, and any additional requirements imposed by the Unimoni Store Manager in accordance with clause 5.9 above, the Unimoni Store Manager will not provide the Customer’s FX Cash to the Customer.

Uncollected Orders

5.11 Should the Customer fail to collect their FX Cash from the Unimoni Store within 72 hours after the Collection Date (including by failing to satisfy our requirements under clauses 5.8 and 5.9), the FX Cash will be marked as “Uncollected” and S Money will contact the Customer (via the email address associated with your Order) to arrange an alternative Collection Date.

5.12 In the event that S Money is not able to arrange for the Customer’s FX Cash to be collected on a Collection Date which is within 90 days of the date of the Confirmation Email, then the Order will be cancelled and if the Customer via a Card, the Customer’s payment will be refunded to the Customer’s source of payment, less any applicable Fees.

Delivery

5.13 You cannot change the Address for Delivery after the Order has been submitted on the Website.

5.14 At the time of Delivery, the Customer must be present in person at the Address, sign the copy of the Order or other documentation as required by the Delivery Agent, and must also produce the following for the inspection of the Delivery Agent:

(a) if the Customer paid by Card, the Card used to pay for the Order, which is in the name of the Customer as it appears on the Confirmation Email;

(b) a print-out of the Customer’s Confirmation Email which relates to the Order; and

(c) the Identification provided to S Money at the time of placing the Order.

5.15 In order to comply with S Money’s AML/CTF obligations, the KYC Procedures and other legal or compliance obligations, the Customer agrees, upon request by the Delivery Agent and/or S Money, to provide further information and additional identification documents (such as proof of your Address). The Delivery Agent may take copies of any Information and/or additional documents provided by the Customer.

5.16 If the Customer fails to comply with each of the requirements of clause 5.14 above, and any additional requirements imposed by the Delivery Agent in accordance with clause 5.15 above, the Delivery Agent will not provide the FX Cash to the Customer.

5.17 The FX Cash which is the subject of the Order will be delivered to the Address between the hours of 9am and 5pm (calculated in accordance with the time zone which applies to the Address) on the Delivery Date, subject to clauses 5.18 and 5.19.

5.18 If the Customer is not present at the Address at the Delivery Date, S Money will notify the Customer via email that the FX Cash will be sent to a Unimoni Store as determined by S Money in its sole discretion, for a period of up to 7 days (inclusive of weekends and public holidays) (the Extended Delivery Date). The Customer may collect the FX Cash from the Unimoni Store on the Extended Delivery Date, in accordance with the procedure set out in clauses 5.4-5.10 above. If the Customer fails to collect the FX Cash on the Extended Delivery Date, then clauses 5.11 and 5.12 apply.

5.19 In the event that the FX Cash is not delivered to the Customer in accordance with the terms of the Confirmation Email, the Customer agrees to:

(a) provide all requested information and assistance to S Money or a third party in order to investigate the circumstances of the non-delivery of the FX Cash; and

(b) pay any Fees owing to S Money.

 

6. Fees

6.1 S Money may charge Fees in respect of each Service. Any Fees payable by a Customer for a Service will be disclosed on the Confirmation Email.

 

7. Currencies, denominations and exchange rates

7.1 The Service is only available for the currencies listed from time to time on the ordering pages of the Website. These currencies are subject to change from time to time at S Money’s sole discretion.

7.2 Either the Unimoni Store or S Money will, at their sole discretion, determine the currency denominations of the FX Cash.

7.3 The exchange rates quoted on the Website are subject to change. We will use the exchange rate which is listed on the Website at the time we receive your Order. Subject to the Terms, the exchange rate applicable to each transaction is the rate set out in the Confirmation Email.

 

8. Use of the website generally

8.1 You will not, and you will not permit any other person to:

(a) use or access the Website in a way that infringes the intellectual property rights or other rights of any person;

(b) use any method or process to consolidate or combine the Website with any other content, data, information, images or material;

(c) decompile, reverse engineer, disassemble, rent, lease, loan, sell, sublicense or otherwise attempt to construct or identify the source code, formulas or processes used by the Website;

(d) do anything which will or may damage, disrupt access to or interfere for any period of time with the proper operation of the Website;

(e) knowingly introduce viruses, trojans, worms, bots, logic bombs or other malicious software;

(f) do anything which will or may place an unreasonable load on the infrastructure of the Website;

(g) post, distribute or send any ‘spamming’ material or any other form of bulk communication on or using the Website;

(h) use the Website to transmit any material which contains viruses or other computer codes designed to interrupt, limit or destroy the efficient operation of the Website;

(i) impersonate any person or entity;

(j) publish on the Website, or disseminate using the Website, any material which is or may be unlawful, defamatory, indecent, offensive or inappropriate, or which may harass others;

(k) use the Website for any unlawful purpose, including (without limitation) any act or omission carried out for the purpose of money laundering or terrorism financing, or

(l) otherwise use the Website for any purpose that may harm the reputation of S Money.

8.2 If you become aware, or should reasonably be aware, of any request or demand made of you to engage in any conduct by which you or a third party gains unfair financial or other advantage, including but not limited to dishonest or corrupt conduct, or any conduct in breach of any anti-corruption law applicable to the Website or Services, you must promptly report it to us via email.

8,3 You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction or data harvesting) on, or in relation to, the Website.

8.4 You must not use any anonymous network or protocol to access the Website or our Services. You will not access the Website by any means other than the interfaces we provide for doing so.

 

9. No financial, taxation or legal advice provided

Nothing in the Website is intended to be, or should be taken as, financial, legal, taxation or accounting advice. Customers should seek their own financial, legal, taxation or accounting advice as needed, and before using the Website or receiving the Services.

 

10. Third party links and providers

10.1 Where the Website contains links to other websites and resources provided by third parties, these links are provided for your information only. With the exception of The Currency Shop Pty Ltd (with whom we are affiliated through common ownership). We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.

 

11. No Guarantee

11. S Money is not required to notify you of any malfunction in the Website or Services, or if a Service is limited, restricted or ceases.

11.2 S Money takes reasonable steps to ensure we can deliver the Services effectively, reliably and securely. However, we do not warrant, guarantee or represent that:

(a) the Website or the Services, or any information or other material accessible through our Website, will be uninterrupted, timely, reliable, secure, error-free or is free of any virus, worm, trojan horse or other harmful component;

(b) there will be operational stability, availability or continuation of the Website or the Services;

(c) the Website or S Money’s computer systems are safe from hacking; or

(d) your use of the Website and the provision of the Services will not infringe the rights of any third party.

11.3 In addition, the Services may be suspended or discontinued in S Money’s sole discretion, and the Website may be inaccessible at times due to:

(a) down-time and/or maintenance of the Website and its functions;

(b) outages to the internet, networks or servers;

(c) equipment failure, including the failure of third-party systems; or

(d) a Force Majeure Event.

 

12. Limitation of liability

12.1 Despite anything else in these Terms:

(a) If an applicable law imposes a liability on S Money which cannot be excluded, but permits S Money to limit that liability, S Money’s liability is limited to the maximum extent permitted by law; and

(b) Nothing in these terms excludes the liability of S Money for its fraud or for any other liability which by law cannot be excluded.

12.2 S Money is not liable for any damage, loss or cost suffered by a Customer (or any person) if:

(a) we refuse to provide the Services to you;

(b) the damage, loss or cost results from the Customer’s unauthorised or wrongful use of the Website;

(c) the Customer instructs S Money to arrange for Collection or Delivery to a Unimoni Store or an Address and subsequently decides to change that Unimoni Store or Address, for any reason;

(d) the Customer fails to make the appropriate payment for the Order;

(e) there is a delay by a bank or other third-party provider, which results in a delay or non-performance by S Money of the Collection or Delivery of the Customer’s FX Cash;

(f) there is a malfunction, breakdown, interruption or other failure of the Website, including the Website being unavailable at any time;

(g) there is an unauthorised Order;

(h) there is a failure or lack of security measures on the Website, which leads to fraudulent transactions; or

(i) S Money is unable to perform its obligations under these Terms because of factors beyond its control, including as a result of a Force Majeure Event.

12.3 While S Money takes appropriate measures to ensure the Website and all of S Money’s systems are properly secured and protected against attack, to the extent permitted by law, it gives no warranty that its security systems are impregnable and the Customer acknowledges that loss of any data referring to or belonging to the Customer may occur and that S Money is not liable to compensate the Customer for that loss.

12.4 To the maximum extent permitted by applicable law, S Money disclaims all warranties, either express or implied, including but not limited to:

(a) uninterrupted or continuous availability of the Services; and

(b) implied warranties of merchantability, fitness for a particular purpose with respect to the Services under these Terms.

12.5 S Money will not be liable under any circumstances (including but not limited to any act or omission on its part) for damages arising out of an action under contract, negligence or for any loss or consequential loss including any profits, data, goodwill, reputation, opportunity, goodwill or any business interruption or other pecuniary loss or any incidental damages, punitive damages or exemplary damages whatsoever that result from your use of the Website, or our provision of the Services, or your inability to use or access the Website.

12.6In the case of suspected fraud or other suspicious activities, S Money will report all necessary information, including names, addresses and all other requested information, to the relevant authorities dealing with fraud and suspected breaches of the law. You agree that your Order may be suspended or frozen at any time by S Money or at the request of any competent authority investigating a potential fraud or other suspicious activity.

12.7 In addition to the other limitations of liability in these Terms, S Money's aggregate liability in respect of claims based on events arising out of or in connection with a Customer’s use of the Website, whether in contract or tort (including negligence) or otherwise, shall in no circumstances exceed the value of the completed Orders that are the subject of the claim, less the amount of any Fees that may be payable to S Money in respect of such completed Orders.

12.8 You acknowledge that the foreign exchange rates are not determined by S Money, and S Money is not liable for any loss or claim arising out of a change in a foreign exchange rate.

12.9 You are responsible for any tax liability arising from the Orders placed by you and will indemnify S Money where S Money is obliged to pay tax on your behalf in respect of any Order.

 

13. Indemnity

13.1 You indemnify S Money and each of its directors, officers, shareholders, advisers, consultants, agents and contractors (each an Indemnitee) against all liabilities, claims, losses and expenses (Losses) which may be incurred or suffered by the Indemnitees directly or indirectly arising out of the Customer’s failure to comply with these Terms. Losses may include consequential losses and any legal fees incurred in defending or responding to Losses. This indemnity will apply regardless of whether an Instruction was provided in error, but will not apply to the extent that Losses were incurred or suffered by an Indemnitee due to the fraud or willful default of S Money.

13.2 You agree to indemnify S Money for any Loss we incur due to person’s unauthorised use of your Information .

 

14. Customer Representations

14.1 You represent and warrant that:

(a) you will use the Website in accordance with these Terms;

(b) if you are an individual, you are 18 years or older and capable of entering into a legally binding agreement;

(c) if you are a corporation, you are duly constituted and registered and possess the requisite power to enter into these Terms, and any individual entering into these Terms on your behalf is authorised to do so;

(d) you are not using an anonymous network to access the Website;

(e) all information you have provided to us is correct, current and complete at the date provided, and you will promptly notify S Money of any changes to such information;

(f) you will make ongoing disclosure to S Money of any matters that may affect the operation of these Terms, or your ability to comply with them;

(g) you have complied and will continue to comply with all applicable laws, statutes, ordinances, and regulations (including without limitation anti-money laundering and counter-terrorism financing laws and any relevant data protection or privacy laws);

(h) your use of the Website or submission of Orders does not infringe the rights of any third party or breach any applicable law;

(i) you will not use the Website for any illegal or improper purpose, including money laundering, tax evasion or the financing of terrorist activities; and

(j) you have regular access to the internet and consent to S Money providing you any information, including notice, via the Website. We may also contact you at the email address associated with your Orders. It is for you to ensure your contact details are current and up to date at all times, and to check for communications and information from us.

 

15. Governing Law

15.1 These Terms are governed by the law of Victoria, Australia. You and we submit to the non-exclusive jurisdiction of the courts of Victoria for resolution of disputes arising in relation to these Terms.

15.2 If any provision in these Terms is invalid under any law of a jurisdiction which applies to these Terms the provision will be limited, narrowed, construed or altered as necessary to render it valid but only to the extent necessary to achieve validity.

15.3 If any provision of these Terms is determined by a court of competent jurisdiction to be unlawful, void or unenforceable, then that provision shall be severed from the remaining provisions and shall not affect their validity and enforceability.

15.4 Nothing published or communicated by way of the Website should be considered an offer or solicitation to buy or sell any service or product to any person in any jurisdiction where such offer or solicitation would be unlawful.

 

16. Termination

16.1 These Terms are effective until terminated by either you or S Money.

16.2 S Money may terminate the Agreement at any time by providing you with written notice, sent to the email address associated with your Orders.

16.3 S Money may suspend or terminate your access to the Website at any time where:

(a) S Money identifies or reasonably suspects that you have breached any aspect of these Terms, including (without limitation) by failing to comply with applicable laws;

(b) S Money encounters unexpected operational or other difficulties that mean, in S Money’s view, that it is no longer able to maintain the Website or provide the Services; or

(c) S Money receives a request from a law enforcement or other government agency to do so.

16.4 Subject to complying with the law, S Money will endeavour to notify you in advance of such suspension or termination or if that is not practical, as soon as possible after.

16.5 In the event of termination, you are no longer authorised to access or use the Website. However, all restrictions imposed on you and all S Money disclaimers and limitations of liability set out in these Terms will survive.

16.6 Pending Orders submitted by you prior to the suspension or termination will be refused and not carried out. Any deposit received in respect of pending Orders may be refunded to you.

 

17. Variation

17.1 S Money may vary these Terms by providing notice at any time. Customers will be taken to have accepted any changes by continuing to use the Website and Services after notice is provided. You acknowledge this clause is reasonably necessary to protect S Money’s legitimate business interests.

 

18. General Terms

18.1 S Money may assign, novate, transfer, sub-contract or otherwise deal with its rights and/or obligations under these Terms without notice.

18.2 These Terms, together with the Privacy Policy and the Confirmation Email, comprise the entire agreement between you and S Money in relation to your use of the Website and the Services and supersede any prior agreements between the parties.

 

19. Defined Terms

Address means the Customer’s residential address, as notified to S Money on the Website or as updated from time to time in accordance with these Terms.

AML/CTF obligations means S Money’s obligations imposed by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and the Anti-Money Laundering and Counter Terrorism Financing Rules Instrument 2007 (No.1), as amended from time to time.

AML/CTF Program means S Money’s policies and procedures that it has in place to comply with its AML/CTF obligations.

Business Day means a day that is not Saturday, Sunday or a public holiday in Melbourne, Victoria.

Card means Credit Card or Debit Card.

Collection means the collection of FX Cash by the Customer at a Unimoni Store.

Collection Date means the date and estimated time set out in the Confirmation Email, when the Customer may collect the FX Cash from the Unimoni Store.

Confirmation Email means the email sent by S Money to the Customer confirming S Money’s acceptance of the Order.

Credit Card means the credit card used by Customers to pay for the provision of the Services.

Debit Card means the debit cards listed on the Website from time to time, which may be used by a Customer to pay for the provision of the Services.

Delivery means the delivery of the FX Cash to the Address.

Delivery Agent means an employee of S Money, or a person engaged by S Money who is authorised by S Money to deliver FX Cash to Customers.

Delivery Date means the date and estimated time set out in the Confirmation Email, when the Customer may receive the FX Cash as a delivery to their Address.

Fees means the fees which are listed on the Website, as amended from time to time, which are payable by you for each Order:

(a) Service Fee;
(b) Card fee;
(c) Bank account fee and
(d) Delivery fee.

Force Majeure Event means events or causes including but not limited to, the following: an act of God, unavoidable accident of navigation, war (whether declared or not), sabotage, riot, insurrection, civil commotion, national emergency (whether in fact or law), martial law, fire, flood, cyclone, earthquake, landslide, explosion, power or water shortage, failure of a transmission or communication network, epidemic, quarantine, strike or other labour difficulty or expropriation, restriction, prohibition, law, regulation, decree or other legally enforceable order of a government agency, breakage or accident, change of International, State or Commonwealth law or regulation or any damage of S Money’s machinery or systems, unless occurring as a result of an act, omission, default or negligence of the Customer or S Money.

FX Cash means the foreign currency cash which is ordered by a Customer on the Website, and is the subject of a Confirmation Email.

FX Cash Collection Procedures means the customer identification and verification procedures set out in S Money’s AML/CTF Program to be conducted by either of the following third persons:

(a) Collection: by the Unimoni Store Manager; and

(b) Delivery: by the Delivery Agent.

FX Cash Transaction Limits means the foreign cash transaction limits as set out on the Website from time to time.

Identification Document means the Customer’s original identification document, including:

(a) a current Australian passport; and

(b) a current Australian drivers’ licence.

Information means information about the Customer which must be provided to S Money to enable an Order to be placed, including:

(a) name of the Customer;

(b) Address;

(c) email address of the Customer;

(d) the Customer’s Card;

(e) the Customer’s bank account details;

(f) date of travel (if applicable);

(g) the reason for placing the Order; and

(h) any other information reasonably requested by S Money from time to time.

Order means an order placed by a Customer via the Website for the Collection or Delivery of FX Cash.

Payment Email means the email sent by S Money to the Customer confirming receipt of the Customer’s payment for the Order.

Personal Information has the meaning given by the Privacy Act 1988 (Cth).

Privacy Policy means the S Money Privacy Policy which is accessible via the Website.

Services has the meaning given to it in clause 2.

Two-Factor Authentication Feature means the optional two-step authentication feature, which uses the Customer’s mobile phone number to authenticate access to and use of the Website.

Unimoni Store or Stores means the Unimoni retail outlet set out in the Confirmation Email, or as changed under clauses 5.7 or 5.12.

Unimoni Store Manager means the person nominated by the Unimoni Store to conduct the KYC Procedures on behalf of S Money.

Last updated: September 2019