United Pay Remit — Terms & Conditions
Last Updated: September 10, 2025
Legal Remittance Services – Australia to Nepal (and beyond)
1. Introduction & Scope
1.1 Agreement
These Terms & Conditions (“Terms”) govern your access to and use of the money transfer services (“Services”) provided by United Pay Remit, a business name of United Pay Remit Pty Ltd. Your registration, access, or use of our Services constitutes your acceptance of these Terms.
1.2 Legal Status
United Pay Remit Pty Ltd is registered in Australia (ABN: 72 677 422 178, ACN: 677 422 178), with its principal place of business at 2a/1 Station Rd, Auburn, Sydney, NSW, Australia
unitedpayremit.com.au
1.3 No Guaranteed Transactions
There is no standing arrangement, and each transaction is approved or declined at our sole discretion.
1.4 Contact Details
Address: 2a/1 Station Rd, Auburn, Sydney, NSW, Australia (as above)
Phones: 0469 700 523, 0404 177 542
unitedpayremit.com.au
Email: info@unitedpayremit.com.au
unitedpayremit.com.au
2. Definitions
Service: Money transfer via the Website or Mobile App to designated destinations (e.g., Nepal).
Website: legal portal at unitedpayremit.com.au
Mobile App: Our Android/iOS application.
Sender: The party initiating a money transfer.
Recipient: The beneficiary receiving funds.
Payment Methods: Bank transfer, PayID/OSKO, PayTo, Debit/Credit Cards, POLi. Cash deposits are not accepted.
Transaction Statuses:
Unconfirmed: Funds not yet received.
Confirmed: Funds received; processing underway.
Delivered: Funds credited to recipient.
Service Charge: Fee for using Services, inclusive of GST.
Exchange Rate: Rate displayed at transaction time; locked upon transaction submission.
KYC: Verification involving full name, contact, address, and valid ID (e.g., Passport or Australian Driver’s Licence).
Transaction Limits: Regulatory caps (e.g., AUD 9,999 per transaction) and related documentation requirements.
3. Registration & Verification
3.1 Account Requirements
You must register and complete KYC verification to use our Services.
3.2 Identification Documents
We accept government-issued ID (passport, Australian Driver’s Licence); additional documents (e.g., utility bills, bank statements) may be requested for verification stages, address proof, source of funds, or compliance purposes.
3.3 Limits & Documentation
Transfers above AUD 10,000 may require declaration of source of funds, payslips, or bank statements.
Aggregate thresholds over 30 days, weekly, monthly, or annually may trigger documentation requests.
3.4 Security
You must protect your login credentials. We are not liable for unauthorized access resulting from your negligence.
4. Fees & Exchange Rates
4.1 Visible Charges
All fees (service, processing) and exchange rates are transparent and displayed during transaction setup.
4.2 Processing Fees
POLi, debit, and credit card payments incur additional processing fees, shown before confirmation.
4.3 Exchange Rate Lock
Rates are locked once you confirm a transaction. Rates may remain valid for a limited period (e.g., 7 minutes or up to 24 hours). If funds are not received within 24 hours, the transaction may be canceled and re-submitted with updated rates.
5. Transaction Handling & Delivery
5.1 Processing
Once we have received your funds and completed verification, your transaction is processed according to the selected delivery method.
5.2 Modes of Delivery
Bank Deposit: Funds credited directly to recipient’s account; incorrect details may result in delays or irrevocable misdirection.
Cash Pickup: Recipient collects funds at designated agents in Nepal. They must present valid ID matching sender-provided details.
5.3 Delays & Errors
Delivery is real-time under normal circumstances but may be delayed during banking system downtime, maintenance, or agent availability. We are not liable for delays due to third-party issues.
5.4 Reversals
Mistakes in recipient details may result in reversals, which take up to seven business days (possibly longer for compliance-required reviews).
Refunds are processed only to the original payment method.
6. Refunds & Cancellations
6.1 Cancellation Requests
If funds have not been delivered, you may request cancellation via email or customer service; refunds are subject to verification and may take up to 7 business days.
6.2 Verification for Refunds
Two options to verify identity for refunds:
Online: Upload ID and take a selfie; bank statements for past 6 months may be required.
In-Person: Visit our office with valid ID and documentation.
6.3 Fees & Deductions
Refunds may be reduced by processing or merchant fees applicable to POLi, debit/credit cards, or wallet payments.
7. Compliance & Prohibited Activity
7.1 Anti-Money Laundering (AML) & Counter-Terrorism Financing (CTF)
We comply with AUSTRAC regulatory requirements. You must provide necessary documentation to enable compliance.
7.2 Prohibitions
You may not use Services for money laundering, illegal transactions, or misleading purposes. Non-compliance may result in reporting, account suspension, and legal action.
8. Liability & Disclaimers
8.1 Limitations
Our liability is capped at the transaction amount. We are not responsible for:
Delays or errors by banks or third-party providers.
Incorrect recipient information provided by you.
Unauthorized access not due to our negligence.
8.2 No Warranty
Services are provided “as-is” without warranties of uninterrupted or error-free service.
9. Dispute Resolution & Governing Law
9.1 Governing Law
These Terms are governed by the laws of the Commonwealth of Australia and the State of New South Wales.
9.2 Dispute Resolution Process
Initiate with customer service contact.
Unresolved disputes may be escalated to AUSTRAC, AFCA, or relevant authorities.
10. Changes to Terms
We may update these Terms at any time with 30 days’ notice (via website or email). Continued use after updates implies acceptance of new Terms.
11. Privacy & Data Protection
11.1 Collection & Use
We collect personal information for identity verification, compliance, and service delivery in line with the Privacy Act 1988 and Australian Privacy Principles (APPs).
11.2 Third-Party Disclosures
Information may be shared with regulatory bodies (e.g., AUSTRAC), identity verification services, and our payout/payment partners as required by law. We do not share your data for commercial purposes.
11.3 Security & Retention
We use encryption and secure systems to protect data. Personal information is retained only as required by law or business necessity and destroyed when no longer needed.
11.4 Complaints
If you believe your privacy rights have been breached, contact our Privacy Officer via info@unitedpayremit.com.au
. We will respond within 30 days.
12. Contact Us
United Pay Remit Pty Ltd
2a/1 Station Rd, Auburn, Sydney, NSW, Australia
Phone: 0469 700 523, 0404 177 542
Email: info@unitedpayremit.com.au