This User Agreement ("Agreement") sets out the terms and conditions under which Premier Express Group Pty Ltd trading as MP Money (ABN 22 626 597 779) ("MP Money", "we," "us," or "our") provides access to and use of its money remittance services ("Services"). By using our Services, you acknowledge that you have read, understood, and agree to be legally bound by this Agreement.

1. Acceptable Users
You must be legally eligible and authorised to enter into a binding agreement. You confirm that no applicable laws or regulations prevent you from using MP Money’s Services.

2. Remittance Process
MP Money facilitates international and domestic money transfers based on several factors, including:

• The Customer’s country
• The Recipient’s country
• The payment method used

While these factors may influence processing times or availability, MP Money aims to ensure a smooth, user-friendly, and reliable remittance experience.

3. Accuracy of Information
You agree that all information provided to MP Money—including Recipient name, address, bank details, and contact information—is complete, accurate, and up-to-date. Any error, omission, or inaccuracy may lead to:

• Delays
• Additional recovery or correction costs
• Failed or irrecoverable transactions

MP Money is not responsible for losses arising from incorrect information provided by you.

4. Exchange Rates
Exchange rates fluctuate according to market conditions. The final rate applied may differ from any previously displayed or indicative rates. You acknowledge that MP Money:

• Is not liable for exchange rate fluctuations
• Does not guarantee any specific rate unless expressly confirmed at the time of transaction

5. Transaction Fees
MP Money may charge transaction Fees for its Services. Fees vary depending on several factors, including:

• The Recipient’s country
• The amount being transferred
• The selected transfer method

All applicable Fees will be disclosed to you prior to finalising the transaction.

6. Compliance With Laws
By using our Services, you agree to comply with all applicable laws and regulatory requirements, including but not limited to:

• Anti-Money Laundering (AML) laws
• Counter-Terrorism Financing (CTF) laws

MP Money may request additional information or documentation to satisfy compliance obligations. We reserve the right to delay, deny, or cancel a transaction if providing the Service would breach any applicable law or regulatory requirement.

7. Accountability and Indemnity
MP Money is not liable for:

• Delays, errors, or interruptions in the remittance process
• Loss of funds due to inaccurate information provided by you
• Unauthorised transactions resulting from misuse of your details
• Any loss arising from the purchase of products or services using transferred funds

You agree to indemnify and hold MP Money harmless against any damages, claims, losses, or expenses arising from your use of the Services.

8. Agreement Modifications
MP Money may update or amend this Agreement at any time. Continued use of the Services following any revisions constitutes acceptance of the updated terms.

9. Governing Law and Jurisdiction
This Agreement is governed by the laws of Victoria (VIC), Australia. Any disputes arising under or in connection with this Agreement fall under the exclusive jurisdiction of the courts of Melbourne, Victoria.

10. Acceptance
By using MP Money’s Services, you confirm that you have read, understood, and agreed to all terms set out in this Agreement.

For enquiries, contact:
MP Money
Email: [email protected]
Address: 197 Thomas Street Dandenong Vic 3175