1. Introduction
These Terms & Conditions govern the use of remittance services provided by Annapurna Express Remit (“we,” “our,” or “us”). By using our services, you agree to comply with these terms.

2. Service Provider Details
Company Name: Annapurna Express Remit
Address: Level 3, Suite 309 / 13A Montgomery Street, Kogarah, NSW 2217, Australia
Phone: +61 0490137779
Email: aeremit14@gmail.com
AUSTRAC Registration Number: IND100899963-001

3. Eligibility
You must be at least 18 years old and legally capable of entering into a binding agreement to use our services.

4. Service Use

• Funds can only be sent for lawful purposes.
• You agree to provide accurate and complete information for transactions.
• We reserve the right to refuse or cancel any transaction that violates applicable laws or regulations.

5. Fees & Charges
Applicable fees will be disclosed before confirming your transaction. Exchange rates may vary and are subject to market fluctuations.

6. Compliance
We comply with Australian laws, including Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations. You may be required to provide identification and additional documentation.

7. Liability
We are not liable for delays or losses caused by incorrect information provided by you, third-party failures, or circumstances beyond our control.

8. Refunds
Refunds are subject to our internal policy and applicable laws. Contact us at aeremit14@gmail.com for assistance.

9. Governing Law
These terms are governed by the laws of Australia.