Terms & Condition

Terms & Conditions

These Terms & Conditions form the basis of an agreement between you and PSN Consolidated Pty Ltd (“PSN” or “us” or “we” or “our”), trading as “SS Transfers” apply to your use of our 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 our 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.

Definitions

Unless the context otherwise requires, the following expressions shall have the respective meanings set out against them.

Account Details/Registration - means your in-branch or online registration information with PSN.
Customer or “you” - means the individual or entity sending a money transfer/remittance or conducting a foreign currency exchange Transaction.
Charges - means fees that you may incur by using the Services including but not limited to debit/credit card surcharges, cancellation fees and other administration fees for recovering funds/providing additional services.
Delivery Method - means method of delivery such as bank credit, cash pickup or delivery of a money transfer/remittance.
PSN or “us” or “we” or “our” - means PSN Consolidated Pty Ltd, trading as “SS Transfers”.
Exchange Rate - means the foreign exchange rate applied to the Transaction for the Transaction Amount.
Payout Amount - means the amount received by Customer/Receiver.
Payment Method - means details of the method of payment.
Receiver - means the individual or organisation receiving a money transfer/remittance.
Service Provider - means a PSN service provider who assists PSN to provide the Customer and Receiver, the Services.
Service Fees - means fee for providing the Service including the Sending Fees for money transfer/remittance Services and the Service fee to collect your foreign currency exchange order .
Terms & Conditions - means all the terms and conditions contained here.
Transaction - means the access, use, or attempt to use the Services money transfer/remittance or foreign currency exchange.
Total Amount - means the total of the Transaction Amount and the Service Fees.
Transaction Amount - means the amount of money to be sent in the money. transfer/remittance service or the amount of money to be exchanged in the currency exchange service.

General terms

General Terms & Conditions apply to all Services and to PSN and Affiliates. Remittance Terms & Conditions apply to the Remittance Service and to PSN and Affiliates. Foreign Currency Exchange Terms & Conditions apply to the Foreign Currency Exchange Service and to PSN only.

No waiver of a right or remedy under these Terms & Conditions is effective unless in writing and signed by us and will not constitute a waiver of any other right or remedy under, or condition of, the contract between you and us.

The contract between you and us is governed by the laws of Victoria, Australia and the parties irrevocably and unconditionally submit to the jurisdiction of the courts of Victoria, Australia.

The contract between you and us may not be modified except with the written agreement of PSN. No local, general, or other trade customs will be applied to alter the terms of the contract.

The consent of PSN to anything under these Terms & Conditions may be withheld in PSN's absolute discretion.

Any part of the Terms & Conditions, which is wholly or partially void or unenforceable, is severed to the extent that it is void or unenforceable. The validity or enforceability of the remainder of the Terms & Conditions is not affected.

The Terms & Conditions constitute the entire agreement between you and us with respect to its subject matter and supersedes all prior communications and negotiations between you and us.

PSN may change these Terms & Conditions from time to time. The version of the Terms & Conditions current at the date of a Transaction will continue to apply notwithstanding any variation made after that time.

A. Customer minimum age

As a user of the Services, you will not access, use, or attempt to use the Services to make or provide any Transaction 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.

B. Exchange rate and Charges

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 depending on movements in the market rates. We cannot confirm the Exchange Rate quote over the phone or via email until you receive our booking confirmation and we receive the full payment within our requested time frame. Booking confirmation will be sent within our branch's trading hours.
We may apply different Exchange Rates for different customers via different channels in response to different strategies, operational costs, promotions and competition.
If you submit a Transaction that results in PSN becoming liable for charges, including but not limited to a credit card chargeback fee or other similar fees, you agree to reimburse us for all such charges.
We will apply a surcharge fee for processing credit card payments, and may apply a surcharge for other payment options. This surcharge fee is non-refundable unless the transaction is cancelled due to a fault of ours.
PSN will have no responsibility for any costs you may incur using a particular Payment Method to pay a Transaction. These may include but are 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.
Where we temporarily or permanently suspend your Registration, or refuse or cancel a Transaction, PSN is entitled to deduct any reasonable cancellation fee before making any refund.

C. Provision of information and documentations

In connection with any Transaction and your use of the Services, you will:

provide us with true, accurate, current and complete information about your identity, and
provide us with any identification and supporting documents as may be requested by us;
provide us with details of your Payment Method;
provide us with true, accurate, current and complete information as is required to use the Services and any other information which may be required in relation to the Receiver; and
provide us with any other information that we consider must be provided for a Transaction to be properly executed, as specified when you enter or provide the details of the Transaction.
provide an email address that you are the owner of and have access to. If you wish to update your email address you can request by contacting us.

When you are using the Services, it is your responsibility to make sure all the details are accurate before submitting a Transaction. Once a Transaction has been submitted, it is not normally possible to change any details of that Transaction. You will be given the opportunity to confirm the Transaction before submission and you must check the details carefully.
You consent to the disclosure of your personal information by PSN 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.
In order to comply with our obligations under relevant laws, PSN 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.
We will use, hold and disclose personal information about you in accordance with our Privacy Policy (https://sstransfers.com.au/privacy-policy) available on our website.

D. Breach of these Terms and Conditions

In using the Services, you will comply with these Terms & Conditions and any

to a Customer or Receiver who has violated these Terms & Conditions, or in connection with what we consider to be fraudulent, illegal or unethical activity including but not limited to money laundering or terrorism financing.
If PSN 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, PSN may cancel the transaction, cease to deal with you as a customer and report you to the appropriate authorities.

You acknowledge that nothing in these Terms & Conditions or in any other information provided by PSN 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.
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 being processed through the Services.

E. Transaction cancellation

To the extent permitted by law or these Terms & Conditions, once we have received your Transaction, you do not have the automatic right to cancel it.
We warrant that the Services will be provided with due care and skill and in accordance with the Transaction. Our sole obligation in the event that we fail to comply with its warranty is, at our option, to perform the Services again or to refund the Service Fees. Except to the extent implied by law, we accept no other liability in relation to the supply of the Services.
Registration for the Services does not entitle you to make any Transaction that you wish to make. We may refuse a Transaction at any time and for any reason. Where we permit a Transaction, we may still suspend or cancel the Transaction or the Services under these Terms & Conditions. PSN reserves the right not to disclose the reason to refuse or cancel a Transaction at our discretion.
We will, in our absolute discretion, refuse or cancel a Transaction where we offer or display the incorrect fee or Exchange Rate (significantly higher/lower than the correct fee or Exchange Rate at a particular point in time) at our branches or on the websites due to internal or external reasons or errors that we do not expect or cannot control.
We will, in our absolute discretion, refuse or cancel a Transaction where we may not receive your payments for a Transaction within our requested time frame.
We may, in our absolute discretion, refuse or cancel a Transaction where we believe that the Services are being used, whether by you the Customer, or the Receiver, when there is a suspicion of illegal, fraudulent or unethical activities.
We may in our absolute discretion, refuse or cancel a Transaction based on Customers or Receivers, including but not limited to entities and individuals on restricted or prohibited watch lists issued from time to time by any government authorities, if we are required to do so by law, or where we have reason to believe processing the Transactions would violate any local laws and regulations.
We may refuse to process a Transaction funded by any Payment Methods where we have reason to believe that the Payment Method has been compromised or where we suspect the unauthorised or fraudulent use of the Payment Method.
We may, in our absolute discretion, refuse or cancel a Transaction if we believe you are using the Services to purchase goods or services from unknown or suspicious third parties or in any way related to a suspicious purpose.
We may in our absolute discretion, refuse or cancel a Transaction if:

we are unable to verify your identity;
you do not present valid identification documents upon request (including to collect a remittance or currency exchange transaction);
we are unable to verify the identity of the Receiver if required;
you do not comply with information, information confirmation and/or document requests;
you make a payment for the Transaction from a bank account or card that does not belong to you;
you make a payment for the Transaction from a bank account or card that we could not verify the account holder name. In that instance, we may ask you to provide supporting documents for the purpose of the account verification;
we believe that you are using our online platforms to speculate on the Exchange Rate;
we believe you are using the Services, or you are allowing it to be used, in breach of these Terms & Conditions or any applicable laws, rules or regulations.
the cards used to pay for the Transaction are Prepaid/Gift cards, cards issued by organisations such as but not limited to American Express, JCB, Union Pay.

Where we have refused or cancelled a Transaction we may also, at our discretion, temporarily or permanently suspend your registration associated with your Account Details

F. Refund request

A request for a refund must be submitted to one of the contact points listed at the end of these Terms & Conditions. If you have any problems using the Services or are aware of any unauthorised or incorrectly executed Transaction, contact us through the channels listed at the end of these Terms & Conditions without delay.
Once the refund request either by PSN or by customer is approved, we will process the refund on the same day. Refunds will be credited back to the same bank account, card or payment sources that you used to pay for the transaction in the same currency. You are likely to receive funds within 1-3 business days depending on the Payment Methods.

G. Request your historical transaction statement.

We have an obligation to have all records be kept and stored securely and safely within a certain timeframe by law and regulations.
You can access your historical Transaction. You need to contact us for this request.
It takes 1-3 business days for us to take action on your requests.

H. Electronic Communications

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:

these Terms & Conditions and any amendments, modifications or supplements to them;
your records (e.g. Transactions) through the Services;
any initial, periodic or other disclosures or notices provided in connection with the Services, including without limitation those required by law;
any customer service communications, including without limitation communications with respect to claims of error or unauthorised use of the Services; and
any other communication related to the Services or PSN.

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. In order to withdraw your consent, you must contact us using our contact information at the end of these Terms and Conditions.
In order to access and retain Communications, you must have or have access to the following:

an internet browser that supports 256 - bit such as Internet Explorer version 9.0 or above;
an email account, email software capable of interfacing with PSN email servers and the capability to read email from PSN, and a device and internet connection capable of supporting the foregoing; and
sufficient electronic storage capacity on your electronic device's hard drive or other data storage unit; or
a printer that is capable of printing from your browser and email software.

In addition, you must promptly update us with any change in your email address by contacting us via one of the contact points listed at the end of these Terms & Conditions. In compliance with our privacy policy, we must carry out our verification before we can update your profile.

Remittance

Transaction confirmation

The details of the Transaction will be displayed on the receipt or website, and you will be asked to confirm this. The details will include but not limited to the details of the Customer, Receiver, Delivery Method, Transaction 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 provided are true, complete and accurate. Proceeding with the Transaction at this point is entirely optional.

Dispute timeframe

If you believe your submitted transaction has not been properly executed by PSN, you must contact PSN 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.

Payout amount, payout currency, payout time frame

When you pay a Transaction Amount in one currency and the Payout Amount 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. PSN 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 PSN will have no responsibility for any 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 deductions and/or the Payout Amount may be different to the Payout Amount in the Transaction. 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.
In most cases, the length of time required for the Receiver to receive the Payout Amount since the date we receive the full payment from you varies depending on our partners. 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:

Bank or public holidays;
Technical problems from our partners;
Natural disasters; or
Labour issues or strikes.

Transaction cancellation

We may, in our absolute discretion, refuse or cancel a Transaction or terminate business relationship with you where we believe that the Services are being used, whether by you or the Receiver, to provide remittance Services to others without a contractual arrangement as an Affiliate and the necessary registrations with the relevant authorities.
Notwithstanding this, PSN may, in its absolute discretion, attempt to cancel your Transaction if you have informed us that you wish to revoke it. In some cases, PSN may have already initiated a request for funds to be paid out to your Receiver by its Service Provider that cannot be reversed, and therefore cannot guarantee cancellation will be successful.
If we have executed the Transaction in accordance with the instructions you have provided to us, and either the information is incorrect or the Transaction has been a result of a scam or fraud where the Customer is a victim, we will make reasonable efforts to recover the funds but we are not liable for the execution of the Transaction. We may charge you a reasonable fee to try to recover the funds.
Where PSN has executed the Transaction that was not in accordance with the Transaction, PSN will refund the full Total Amount paid to PSN. Unless there are exceptional circumstances, no adjustment will be made for any currency fluctuations that may have occurred between the time you pay us the Total Amount and the time of the payment to the Receiver.
Our responsibility is to inform you of Transactions which are not executed by our Service Providers. If we do not receive your response/cannot reach you within 1 month from the day of your submitted Transaction we will cancel your Transaction. Even though the Transaction is cancelled you must submit the refund request by contacting PSN through the channels listed at the end of these Terms & Conditions.

Service Fees and Charges

For each Transaction that you submit, you will pay us the relevant Service Fees in addition to the Transaction Amount, if applicable. Payment of the Service Fees is required at the time that you submit your Transaction. To the maximum extent permitted by law, the Service Fees are non-refundable unless explicitly stated in these Terms & Conditions.
Cancellation fee:

In-branch and booking Transaction:

If you wish to cancel the Transaction which has not been sent to our Service Provider for processing we will refund you after deducting the service fees but the deducting amount will not be more than $15.
If you wish to cancel the Transaction which has been sent to our overseas partner for processing and the Transaction has not been executed we will approve your refund request and process refund less the service fees.

Online Transaction: if you wish to cancel the Transaction and the transaction has not been executed at either our end or overseas partner we will approve your refund request and process refund less the Service Fees.
Your cancellation request may result in Charges to PSN which are incurred not through our fault. These Charges will also be deducted before we process refunds.

Breach of these Terms and Conditions

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 PSN may refuse to process your Transaction 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.
Both you and the Receiver will only act on your own behalf. You may not submit a Transaction or receive a transaction on behalf of a third person without our prior approval. If you wish to submit a Transaction or receive a Payout Amount as a Receiver on behalf of a third party, you must first inform PSN 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.
When using the Services or when interacting with PSN, you will not:

breach these Terms & Conditions, or any other agreement between you and PSN;
provide false, inaccurate, or misleading information in regards to your identity as the Customer or the Receiver;
allow anyone else access to or to use in any way your Account Details with PSN and you will keep those Account Details safe and secure;
refuse to provide clarification or confirmation of any information you provide to us, including proof of identity, proof of source of wealth, or refuse to cooperate in any compliance review or investigation we may conduct;
use our Services to provide Services to others without a contractual arrangement as an Affiliate or a partner, and the necessary registrations with the relevant authorities.

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 Payout Amount to the Receiver or failure to perform a Transaction under the Services if you are in breach of the terms and conditions.
If you choose to pay for goods and services using the Services, you acknowledge that PSN 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.

Payment

We require payments to be made within 24 hours from the Transaction for all payment methods. We have the right to cancel any Transaction where the payment is not made within the timeframe outlined above.
Payments must be from the individual account/business account obtaining the Service and not from a third party account. Payments for individual Transactions must be made from individual accounts. Payments for business Transactions must be made from business accounts.

Contact Us

For feedback and complaints, questions, notices and requests should be sent to PSN:

By email/telephone

SS Transfers:

‍Email: info@sstransfers.com.au
‍Contact: +61 (3) 9000 0000

By post

Attention: Customer Service – PSN Consolidated Pty Ltd
243 Banksia Street Ivanhoe, VIC 3079, Australia