Terms & Conditions

These Terms & Conditions form the basis of a contract between you and Eastern & Allied Pty Ltd (“E&A” or “us” or “we” or “our”), trading as “Hai Ha Money Transfer”, “Remox” and “First Eastern FX”, and apply to your use of the Services.

Please read these Terms & Conditions carefully and ensure that you understand them fully before using the Services. Please note that if you do not accept these Terms & Conditions, you will not be able to use our Services.

By using the Services, you agree and accept all the Terms & Conditions. The Terms & Conditions are provided to you in English. You agree that by using any of the Services, this constitutes your acceptance of the Terms & Conditions.
Unless the context otherwise requires, the following expressions shall have the respective meanings set out against them.
A. Your rights and obligations
  1. 1. As a user of the Services, you will not access, use, or attempt to use the Services to make or provide any Transaction Request unless you are at least 18 years old and residing or travelling in Australia, and you warrant that you have the legal capacity to form a legally binding contract in Australia.
  2. 2. For each Transaction Request that you submit, you will pay us the relevant Service Fee in addition to the Transaction Amount. Payment of the Service Fee is required at the time that you submit your Transaction Request. To the maximum extent permitted by law, the Service Fee is non-refundable unless explicitly stated in these Terms & Conditions.
  3. 3. If you submit a Transaction Request that results in E&A becoming liable for charges, including but not limited to a credit card chargeback or other similar fee, you agree to reimburse us for all such charges.
  4. 4. We will apply a fee for processing credit card payments and other payment options.
  5. 5. You will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Services or any Transaction Request being processed through the Services.
  6. 6. In connection with any Transaction Request and your use of the Services, you will:
  1. 7. When you are using the Services, it is your responsibility to make sure all the details are accurate before submitting a Transaction Request. Once a Transaction Request has been submitted, it is not normally possible to change any details of that Transaction Request. You will be given the opportunity to confirm the Transaction Request before submission and you must check the details carefully.
  2. 8. The details of the Transaction Request will be displayed on the receipt or websites, and you will be asked to confirm this. The details will include the details of the Customer, Receiver, Delivery Method, Send Amount, Receiving Currency, Service Fees, Total Amount and Exchange Rate, if any. By paying the Total Amount you agree that the details of the Transaction Request provided are true, complete and accurate. Proceeding with the Transaction Request at this point is entirely optional.
  3. 9. If you believe your submitted Transaction Request has not been properly executed by E&A, you must contact E&A through the channels listed at the end of these Terms & Conditions within 1 month to report your dispute. All disputes must be reported within 1 month from the day of the transaction.
  4. 10. When you pay a Send Amount in one currency and the Payout Amount is in another currency, there may be a difference between the exchange rate at which we buy foreign currency and the Exchange Rate provided to you. E&A usually makes a small profit in these circumstances. We guarantee you that we transfer the full Payout Amount in local currency however we cannot guarantee that the Payout Amount received in the Receiver’s bank account is the full Payout Amount as E&A will have no responsibility for any fees or charges or deductions incurred on the Payout Amount by any intermediary, correspondent or receiver bank. If a Receiver’s account is denominated in a currency other than the currency you instructed us to make payment in, there may be delays, additional charges and/or the Payout Amount may be different to the Payout Amount in the Transaction Request. The Customer is therefore responsible for ensuring that the currency requested for the transaction matches the currency of the account where the funds are to be delivered.
  5. 11. You will only use the Services to send money to people that you know personally or directly and not to send money to people who you do not know or on behalf of other people. You acknowledge that E&A may refuse to process your Transaction Request where we believe you are using the Services to send money to people you do not know, on behalf of another person unless authorised and approved to do so, or where we believe that the Services are being used, by you or the Receiver, in connection with fraudulent, illegal or unethical activities.
  6. 12. If you choose to pay for goods and services using the Services, you acknowledge that E&A has no control over, and is not responsible for, the quality, safety, legality, or delivery of such goods or services and that any such use of the Services is entirely at your own risk.
  7. 13. Both you and the Receiver will only act on your own behalf. You may not submit a Transaction Request or receive a transaction on behalf of a third person without our prior approval. If you wish to submit a Transaction Request or receive a Payout Amount as a Receiver on behalf of a third party, you must first inform E&A of your desire to do so and provide us with any additional information and documentation about the third-party that we may request for us to decide whether to proceed with the Transaction Request.
  8. 14. In using the Services, you will comply with these Terms & Conditions and any applicable laws, rules or regulations. It is a breach of these Terms & Conditions to use the Services to initiate Transaction Requests:

If E&A reasonably believes you are using the Services in connection with any of these or other with fraudulent, illegal or unethical activities, or are permitting a third-party to do so, E&A may cancel the transaction, cease to deal with you as a customer and report you to the appropriate authorities.

  1. 15. When using the Services at our websites, our branches or the branches of our Affiliates or when interacting with E&A, you will not:
  1. 16. You acknowledge that nothing in these Terms & Conditions or in any other information provided by E&A as part of the Services is intended to be, nor should it be construed to be, legal or other advice. If required, you agree to consult your own professional advisers as to the effects of laws that may apply to the Services or your use of them.
  2. 17. You consent to the disclosure of your personal information by E&A to our electronic identity verification providers, and the use by these organisations of your information for the purposes of electronic verification of your identity as outlined in the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (“AML/CTF Act”). This may include using a credit reporting agency and disclosing your full name, residential address and date of birth, for the provider to provide an assessment of whether the information you have provided matches, in whole or in part, information contained in a credit information file they possess.
B. Our rights and obligations
  1. 1. Registration for the Services does not entitle you to make any Transaction Request that you wish to make. We may refuse a Transaction Request at any time and for any reason. Where we permit a Transaction Request, we may still suspend or cancel the Transaction Request or the Services under these Terms & Conditions. E&A reserves the right not to disclose the reason to refuse or cancel a Transaction Request at our discretion.
  2. 2. Here are some examples of when that may occur.
  1. 3. Where we have refused or cancelled a Transaction Request we may also, at our discretion, temporarily or permanently suspend your registration associated with your Account Details (“Registration”). Where we temporarily or permanently suspend your Registration, or refuse or cancel a Transaction Request, E&A is entitled to deduct any reasonable cancellation fee, cost or expense incurred by E&A (“Cancellation Fee”) before making any refund.
  2. 4. E&A will have no responsibility for any fees or charges you may incur using a particular Payment Method to fund a Transaction Request. These may include but not limited to unauthorised overdraft fees imposed by banks if there are insufficient funds in your bank account or "cash advance" fees and additional interest which may be imposed by credit card providers if they treat use of the Services as a cash transaction rather than a purchase transaction.
  3. 5. In most cases, the length of time required for the receiver to receive the payout amount ranges from 1-3 business days since the date we receive the full payment from you. However, this length might vary due to different factors and we do not hold any liability for any reasons that are beyond our control, which include but are not limited to:
  1. 6. We will send the full Payout Amount as outlined in the invoice and do not accept any liability for any potential charges, losses to you or any third party resulting as a result of fees charged by any intermediary (correspondent) banks or by the receiver bank. Such separated charges are not within our control and are not reflected on our invoice.
  2. 7. We do not accept any liability for any potential losses to you or any third party resulting from a non-payment or a delay in payment of the intended receiving amount (“Payout Amount”) to the Receiver or failure to perform a Transaction Request under the Services if you are in breach of your obligations listed earlier.
  3. 8. In order to comply with our obligations under relevant laws, E&A reserves the right to request further information or evidence including but not limited to the purpose of a transaction, source of wealth to fund the transaction and the relationship between the Customer and the Receiver.
  4. 9. We will use, hold and disclose personal information about you in accordance with our Privacy Policy (https://easternandallied.com.au/privacy-policy) available on our websites.
  5. 10. We warrant that the Services will be provided with due care and skill and in accordance with the Transaction Request. Our sole obligation in the event that we fail to comply with is warranty is, at our option, to perform the Services again or to refund the Service Fee. Except to the extent implied by law, we accept no other liability in relation to the supply of the Services.
  6. 11. We will provide an Exchange Rate quote that is only valid at that point in time. The Exchange Rate quote varies from time to time during the day depending on movements in the market rates. We cannot confirm the exchange rate quote over the phone or via email unless we have received the full payment.
  7. 12. We may apply different Exchange Rates for different customers at different branches and websites in response to different operational costs, promotions and competition.
  8. 13. We require payments to be made within the following timeframes for the following services

We have the right to cancel any Transaction Request where the payment is not made within the timeframe outlined above.

  1. 14. We have a best-rate guarantee policy for currency exchange to match or beat a competitor’s overall price and may apply this policy when the following conditions are met:
  1. 15. If you exchange currency by paying or receiving cash under a certain threshold, you may not be required to provide Identification documents. In this case, we will collect some personal information in order for us to contact you if needed. Eastern & Allied reserves the right to request the Identification document in the event that we think we might need it. In any circumstances, the Transaction Request without Identification documents cannot be retrieved in the System.
C. Your rights to cancel the transaction and to access a refund
D. Electronic Communications
  1. 1. You acknowledge that these Terms & Conditions shall be entered into electronically or via acceptance of your signature and that the following categories of information ("Communications") may be provided by electronic means:
  1. 2. You may withdraw your consent to receive Communications electronically, but if you do, we will still be able to contact you for the purposes of fulfilling your Transaction Request. In order to withdraw your consent, you must contact us using our contact information at the end of these Terms and Conditions.
  2. 3. In order to access and retain Communications, you must have or have access to the following:
  1. 4. In addition, you must promptly update us with any change in your email address by contacting us via email, phone or post. In compliance with our privacy policy, we must carry out our verification before we can update your registration profile.
E. System Maintenance

We will inform you when our system is undergoing substantial maintenance (at least 12 hours) which may cause the interruption to access our online platform. However, we are not responsible to inform you of our service provider’s system maintenance. If the service provider’s systems are under maintenance, it will cause delays in processing your order Request.

F. Fees

In addition to the service fees, we may charge you fees when accessing some addition services:

Providing transaction statements $5 / statement
Reprinting transaction receipts $1 / receipt
Cancellation fee when the Transfer Request has not been executed to the partner. $20 / cancellation request
G. General
H. Changes to the Terms & Conditions
I. Contact Us

You may request this information or make for any complaints to E&A by one of the following: