FR Online Services Terms and Conditions

ABN: 59 677 356 526

Website: www.topupmagic.com

1. Introduction

Welcome to FR Online Services Pty Ltd. These Terms and Conditions ("Terms") govern the use of our money transfer services ("Services"). By using our Services, you agree to be bound by these Terms.

2. Services Offered

We provide international and domestic money transfer services.
Our services include, but are not limited to, sending and receiving money through various payment channels.

3. User Responsibilities

• You must provide accurate and complete information when using our Services.
• You are responsible for keeping your account and transaction information secure.
• You must comply with all applicable laws and regulations related to money transfer, anti-money laundering (AML), and counter-terrorism financing (CTF).

4. Fees and Charges

• Service fees, exchange rates, and other charges will be disclosed at the time of transaction.
• All fees must be paid before the transaction is processed.
• Fees are subject to change without prior notice, unless required by law.

5. Transaction Limits

• We may impose limits on the amount you can send or receive.
• Additional documentation may be required for transactions exceeding certain thresholds.

6. Processing and Delivery

• We aim to process transfers promptly but do not guarantee instant delivery.
• Most of our money transfer services will be delivered within 24 – 48 hours
• Delays may occur due to regulatory checks, system issues, or recipient country banking hours and public holidays.

7. Cancellation and Refund Policy

• Transactions can only be cancelled if they have not yet been completed or paid out.
• Refunds for cancelled transactions may take up to 3 business days.
• Fees may not be refundable in case of user error.
• A full refund will be given, if an order is cancelled by us due to compliance reasons.

8. Anti-Money Laundering (AML) and Compliance

• We are legally required to verify your identity and monitor transactions.
• Suspicious transactions will be reported to relevant authorities.
• We may suspend or terminate your access if we suspect unlawful activities.
• We may ask for additional information or supporting documents as part of our KYC and enhanced due diligence obligations. Failure to provide additional information or documents may result in cancellation of you order.

9. Liability

• We are not liable for losses due to incorrect information provided by you.
• We are not liable for delays caused by external factors (e.g., bank delays, natural disasters).

10. Privacy

• Your personal information is collected and used in accordance with our Privacy Policy.
• We will not sell your information to third parties.
• For a full copy of our Privacy Policy, please email to admin@topupmagic.com

11. Changes to Terms

• We reserve the right to update these Terms at any time.
• Updates will be posted on our website and effective immediately.

12. Governing Law

• These Terms shall be governed by the laws of Australia.