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Online Ordering Terms and Conditions

In these Terms and Conditions, references to “TMOZ”, “us”, “we” and “our” mean Travel Money Currency Exchange Pty Ltd (ABN 46 121 451 723) trading as 'Travel Money Oz’. Our registered office is located at 275 Grey Street South Brisbane QLD 4101. You can also contact us on consultant@travelmoneyoz.com

Please read the following Terms and Conditions carefully before using our online ordering foreign currency exchange services(“Service”). By accessing or using our website (www.travelmoneyoz.com) (“Website”) and engaging in any transactions, you confirm that you have read and understood these Terms and Conditions and agree to be bound by them.

These Terms and Conditions apply to the Service performed via our Website, whether for the purchase of foreign currency cash which is to be collected by you from a TMOZ store or delivered to you (by us or our delivery partner).

Please note that consumers are protected by certain statutory rights which cannot be excluded by contract. Any provisions of these Terms and Conditions which seek to restrict or exclude those rights may be open to challenge by you. These Terms and Conditions are subject to your rights under the Australian Consumer Law and nothing in these Terms and Conditions is intended to limit any rights you may have under the Competition and Consumer Act 2010 (Cth).

1. General

a) These Terms and Conditions constitute a legal agreement between you and us, governing the use of our e-commerce service for foreign currency exchange services.

b) We reserve the right to modify, update, or replace these Terms and Conditions at any time, in respect of future orders, without liability to you and without prior notice. If we revise these Terms and Conditions, we will publish the revised version on the Website. Any changes will be effective immediately upon posting on our Website. By using the Service or Website or placing orders after we have changed these Terms and Conditions, you will be accepting the changes.

c) Our Service is only available to individuals who are:
i. at least 18 years old,
ii. residents in, and accessing the Service via the Website from, Australia, and
iii. capable of entering into legally binding agreements.
By using our Service, you represent and warrant that you meet these eligibility requirements. The Service may be used to purchase foreign currency cash for holiday or business travel only and not for speculative, investment or any other purposes.

d) TMOZ may, in its sole discretion, refuse to provide the Service to any person for any reason. TMOZ will not be liable for any cost, loss or damage incurred by you if we refuse to provide the Service to you.

2. Service Description

a) Our e-commerce platform enables you to purchase foreign currencies as foreign currency cash, on a Currency Pass card, or a combination of both.

b) The exchange rates displayed on our Website are indicative and subject to change. The final exchange rate will be determined at the time of the transaction and may differ from the displayed exchange rate. The exchange rate applicable to your transaction is the rate set out in your order confirmation.

c) We make reasonable efforts to ensure the accuracy of the information provided on our Website. However, we do not warrant or guarantee the accuracy, completeness, or reliability of any information, including exchange rates, displayed on our Website.

3. Ordering and Payment

Ordering

a) To place an order through our Website, you must follow the instructions on the ordering pages of our Website. You will be able to correct errors on your order up to the point at which you click on the "Purchase Currency" button on the “Payment” page. Once you have entered the ordering process you must complete your order before your session times out otherwise you will need to restart the order process.

b) You must provide accurate and complete information, including the type and amount of foreign currency cash required, payment method, and delivery or collection preferences.

c) When selecting the amount of foreign currency cash required, the Website calculator will round up to the closest denomination (variable depending on foreign currency) adjusting the AUD value to the new foreign currency amount.

d) By submitting an order, you make an offer to purchase foreign currency at the specified rate and agree to pay the total amount due, including any applicable fees and charges. We will communicate our acceptance of your offer by providing confirmed order details or by sending you an email confirming the order. Acceptance of your order is conditional on receipt of payment and certain checks required by law.

e) The Service is only available for the foreign currencies listed from time to time on ordering pages of the Website. The availability of foreign currency cash is subject to change from time to time at TMOZ's sole discretion.

f) You may not select your preferred foreign currency denominations on the Website.

Payment

g) We will accept payment by Australian bank debit card or credit card (Visa or Mastercard).

h) For orders placed on the Website, your debit or credit card will be debited with the relevant amount once you press “Purchase Currency" button on the “Payment” webpage.

i) You must ensure that your account has sufficient funds available to cover your order and any applicable fees. Third party credit or debit card payments are not permitted.

j) Orders cannot be paid for by prepaid cards, VCARD or VIRTUALMC (or any other virtual card or virtual card number).

k) Payment via credit card will incur a non-refundable card surcharge (merchant fees) as follows:
i. Mastercard credit cards incur a merchant fee of- 0.37% of the total transaction value,
ii. Visa - 0.68% of the total transaction value.

l) All prices and fees displayed on our website are in the local currency (AUD) and are inclusive of applicable taxes, unless stated otherwise.

m) Before submitting payment, you must confirm that you have read and agreed to our Privacy Policy and Terms of Use.

n) On the Website, after you click on the “Purchase Currency” button on the “Payment” webpage, the Website will display a confirmation page setting out the details of your order. You will be able to print or download the order confirmation.

o) If you created an account (see paragraph 16) or submitted your order using an already created account, you will be able to log in to your account and see order updates and order details.

Ownership of foreign currency cash

p) The title to any foreign currency cash that you have purchased will transfer to you immediately upon provision by us of the order confirmation.

q) You authorise and accept that TMOZ will hold any foreign currency cash you have ordered as bailee until you collect your order or in the case of delivery, until your order has been delivered to you.

4. Delivery and Collection

a) The risk and responsibility for receiving or collecting your order before you depart on your travels rests with you. Please remember to allow sufficient time to make your delivery or collection before departing on your travels.

b) We offer both delivery and collection options for foreign currency cash. The availability of these options may vary depending on your location, the total value of the transaction and the type or amount of foreign currency cash purchased.
i. Location: Delivery is only available if the delivery address is within 25km of a designated TMOZ store with the requested foreign currency cash in stock. Not all TMOZ stores are available for delivery.
ii. Transaction value: We only offer delivery for foreign currency cash up to $5,000.00 AUD. You may collect any value over $5,000.00 AUD and up to $9,999.00 AUD from one of our TMOZ stores (see more below at ‘Collection’).
iii. Minimum order values: There is no minimum value for foreign currency cash orders, just whatever the smallest denomination of the foreign currency is and for Currency Pass card orders is $20.00 AUD.

c) When ordering a foreign currency card (“Currency Pass”) via our Website, we only offer delivery of a personalised card. A personalised Currency Pass card is printed with your name on it and sent to you. Please be aware that delivery of a Currency Pass card can take up to 7 days (from placing your order and submitting payment).

Delivery

d) The available delivery dates and times will be highlighted during the ordering process through our Website. You must choose one of the highlighted days as your nominated delivery date. We will use reasonable endeavours to meet the nominated delivery date, but we will not be liable for failing to do so. In addition, please note that delivery dates and times are estimates only and are not guaranteed. Delivery dates and times, availability and offering may vary for reasons, including but not limited to, operational factors and unavailability of foreign currency cash stock and may be subject to delays. We may change the delivery dates and times from time to time at our sole discretion.

e) You cannot change the delivery location after your order has been submitted.

f) At the time of your foreign currency cash delivery, you must produce Government issued photo identification that exactly matches the name of the person who placed the order. Your photo identification will be checked for likeness and details of the type of identification used will be recorded at the time of the delivery. You must ensure you are available to receive your order personally.

g) Your foreign currency cash will be sent for delivery via our delivery partner or such other courier as we deem appropriate.

h) The full risk and responsibility for the foreign currency cash which you have ordered will pass to you immediately upon provision by us of the order confirmation. Upon delivery of your foreign currency cash, please ensure that the package is not torn, has not been opened and does not appear to have been tampered with before accepting. If the package does appear to have been tampered with, you must not accept it and you must contact us immediately to report the issue.

i) In the event of any problems with your delivery or package, you undertake to cooperate with us or any regulatory body in a related investigation.

j) A delivery fee will apply:
i. $20.00 AUD for delivery to an address that is up to 10km from the relevant TMOZ store, and
ii. $30.00 AUD for delivery to an address that is between 10.1km to 25km from the relevant TMOZ store.

k) Same day delivery (and collection) cut off time is 11.00am (AEST); we do not guarantee orders will be available for delivery or collection on the same day, where the order is submitted past this time.

l) Delivery orders will be delivered to the delivery location between the hours of 10.00am and 5.00pm (AEST). If you miss your foreign currency cash delivery, or we or our delivery partner cannot verify your identity, your order will be returned to a nearby TMOZ store and redelivery will need to be arranged by you manually. You may incur redelivery fees if redelivery is required based on you not being available during the delivery window or not following instructions as set out in paragraph 4e).

Collection

m) When you place your order for the purchase of foreign currency cash via the Website, you must select a TMOZ store where you wish to collect the order (“Collection Location”). You cannot change the Collection Location after the order has been submitted.

n) You will be notified via email when your order is ready is collection; orders cannot be collected before this email is sent. Orders must be collected within 14 days of receiving the ‘ready for collection’ confirmation email. Failure to collect the foreign currency cash within the given timeframe may result in cancellation of the order.

o) Orders must be collected by the person who made the order from the Collection Location nominated in accordance with paragraph 4l), during TMOZ store opening hours. Please check online for opening hours and allow sufficient time to make your collection before departing on your travels.

p) We reserve the right to change the Collection Location and/or collection time by notifying you prior to the collection date if we are unable to fulfill your order from your nominated Collection Location.

q) At the time of collection, you must produce the following:
i. a copy of your online order confirmation or your order reference number; and
ii. a form of government issued photo identification which must be in original, physical form (except for NSW and SA, where a digital driver’s license is acceptable).

r) For the avoidance of doubt, if you do not present your identification and other items for verification at the time of collecting your order, you will not be able to collect your order and your order may be cancelled by us.

s) In order to comply with anti-money laundering and other legal obligations and our internal risk and fraud policies, you may be requested to provide further information and identification documents (such as proof of residential address) and we may take a copy of your identification documents and other documents at the time of collection. These requirements are in place to enable us to comply with laws and regulatory requirements and to help to protect you against fraud.

5. Verification of Identity

a) To purchase foreign currency cash, you must provide certain information to allow us to process your order. We reserve the right to request further information from you at any time to enable us to complete your order and / or to comply with regulatory or third-party requirements, in particular but not limited to the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth). We will use various procedures to authenticate each transaction, including those outlined below. We may refuse to provide the Service or cancel the Service if you fail to provide requested or satisfactory information. By placing an order, you confirm that the details contained in the order and all information that you provide to us, is true and correct in all respects. You must not use the Service in a fraudulent manner.

b) At a minimum we will require two forms of identification. The sources of identification accepted by TMOZ are: current Australian Driver’s License, current Australian Passport, current New Zealand Passport and a current confirmation of enrolment from the Australian Electoral Commission.

c) As part of the ordering process, your information will be collected in accordance with our Privacy Policy and otherwise, refer to paragraph 12 of these Terms and Conditions.

d) Your information will be used to verify your identity. The verification process will be conducted online by GreenID. By using the Service, you agree to be bound by GreenID terms of use and privacy policy, which can be found here https://www.gbgplc.com/apac/legal-and-regulatory/

e) By using the Service, you are consenting to us collecting your information and disclosing it to GreenID and its suppliers for purposes that include the carrying out of the verification of your identity. This may involve your personal information being provided to third party identification verifiers as set out in the GreenID terms of use and privacy policy.

f) Should you fail the verification of identity processes for any reason, we may in our sole discretion (i) refuse the Service; (ii) cancel the order; or (iii) take any other action as we deem (acting reasonably) appropriate, including directing you to attend at your nearest TMOZ store. You will be notified of any cancellation, and we reserve our right to withhold the basis for any such cancellation from you.

g) We will also perform Politically Exposed Persons (“PEPS”) and sanctions checks.

h) The verification of identity and the PEPS/sanctions checks will be undertaken each time you purchase foreign currency cash with us via the Website.

i) We will not require you to undertake this verification of identity process (including PEPS/sanctions checks) when reloading foreign currency on your Currency Pass card.

6. Cancellations, Refunds, and Returns

a) Once an order is submitted and confirmed, it may not be canceled or modified except with our prior written consent. You may not reverse, cancel or chargeback payment for an order once you have made payment for your order.

b) We reserve the right to refuse or cancel any order at our discretion, including in cases of suspected fraudulent activity or pricing errors.

c) In the event of cancellation or rejection of an order, we will refund the amount paid by you within a reasonable timeframe, using the original payment method.

d) Returns of purchased foreign currency cash are generally not accepted, unless required by applicable laws and regulations. Notwithstanding this, you may return to a TMOZ store to sell your foreign currency cash to TMOZ at the applicable buy rate of the day, which may be more or less favourable than the rate at which you originally purchased the foreign currency cash. Any debit or credit card fee, cash advance charges issued by your card issuer, commission (if applicable), delivery charges (if applicable) or GST that you have paid on the original order will not be refunded.

7. Uncollected Orders

a) Should you fail to collect your order from the Collection Location within 14 days after your nominated collection date (including by failing to satisfy our requirements under paragraph 4p), your order will be marked as ‘Uncollected’. We will use reasonable endeavours to contact you to arrange an alternative collection date. If we are unable to contact you within 90 days of the date that our contract was formed, and you have not collected or proceeded to reverse your transaction (with our express consent) in accordance with these Terms and Conditions then the funds held by us at that time will be treated as unclaimed moneys.

b) The provisions of this clause do not affect your statutory rights.

c) The following table sets out our statutory obligations with respect to unclaimed moneys. In each instance, where we are required to pay those unclaimed moneys to the relevant authority, we may deduct our costs incurred in advertising the unclaimed moneys and possibly, other costs incurred by us in returning, or attempting to return, the unclaimed moneys to you.

State Legislation  
QLD Public Trustee Act 1978 (Qld) After holding the unclaimed moneys for two years, we are obliged to enter their particulars in a register (where the amount of the unclaimed moneys is greater than $500) and publish this register in the Gazette in February of each year. Within one year after the unclaimed moneys register is published, if the moneys remain unclaimed, they must be paid to the Public Trustee.
NSW Unclaimed Money Act 1995 no 75 (NSW) After holding unclaimed moneys for six years, we are obliged to lodge a return relating to the unclaimed money with the Chief Commissioner by 30 October each year.
VIC Unclaimed Money Act 2008 (Vic) We are obliged to keep an unclaimed moneys register, being any amount of unclaimed moneys greater than $20, which has been held for longer than 12 months. These unclaimed moneys must be paid to the Registrar on or before 31 May each year.
SA Unclaimed Moneys Act 1891 (SA) We are obliged to keep an unclaimed moneys register, being any amount of unclaimed moneys greater than $10, which has been held for longer than six years. We must publish this register in January of each year. Within two years after the unclaimed moneys is registered, if the moneys remain unclaimed, they must be paid to the Treasurer of South Australia.
WA Unclaimed Money Act 1990 (WA) By 31 January each year, we are obliged to notify the Treasurer of the details of all unclaimed moneys, being moneys held for longer than six years. The Treasurer will advertise the details of the unclaimed moneys and if not collected by 31 July in the same year, they must be paid to the Treasurer.
NT Companies (Unclaimed Assets and Moneys) Act (NT) Any unclaimed moneys (being moneys held for longer than three years) that remain unclaimed as at 31 January each year, must be placed on the register of unclaimed moneys displayed in the Gazette. After 1 year of publication, if the moneys remain unclaimed, they must be paid to the Treasurer.
ACT Unclaimed Money Act 1950 (ACT) After holding the unclaimed moneys for six years, we are obliged to enter the particulars in a register and give notice of that register to the Public Trustee and Guardian. Within one year after that notice, if the unclaimed moneys are not collected, they must be paid to the Public Trustee and Guardian.
TAS Unclaimed Money Act 2015 (TAS) We are obliged to keep an unclaimed moneys register, being any amount of unclaimed moneys greater than $50, having been held for longer than one year. Within one year after the unclaimed moneys is registered, if the moneys remain unclaimed, they must be paid to the Treasurer.

 

8. Sanctions

Under Australian laws, the United Nations Security Council Sanctions and sanctions imposed by the Office of Foreign Assets Control of the United States Treasury Department, we are prohibited from dealing with sanctioned individuals, entities and countries. If it appears that you are a sanctioned person or are acting on behalf of a sanctioned person or entity or from a sanctioned country, we may be required to suspend or stop providing the Service to you. We may also be required to freeze any transactions with you and freeze any assets of yours which we hold. In addition, TMOZ does not accept identification from certain countries due to various local and international sanction regulations affecting those countries. These processes may cause a substantial delay in providing the Service to you or may prevent us from providing the Service to you.

9. Compliance with Laws

a) You must comply with all applicable laws, regulations, and restrictions regarding the use of our foreign currency exchange services, including but not limited to anti-money laundering and counter-terrorism financing regulations.

b) We reserve the right to request additional information or documentation to verify your identity and comply with legal requirements.

11. Limitation of Liability

a) We will use reasonable care and skill in providing the Service. However, subject to your rights under the Australian Consumer Law and otherwise to the fullest extent permitted by law, neither TMOZ nor any of its related bodies corporate, directors or employees accept any liability in contract, tort or otherwise for any of the following:
i. if we are unable to perform any of our obligations to you due to failure of any technical systems or for any other reasons beyond our reasonable control including but not limited to war, terrorism, government action, natural disaster, and industrial dispute and any restriction on trade in our stores due to any pandemic or staff restrictions;
ii. for any damage to your computer equipment or other facilities as a result of using the Website or the Service;
iii. for any monetary limits, currency exchange restrictions, country restrictions or any other restrictions or limits outside of TMOZ’s reasonable control (including but not limited to any prohibitions on bringing foreign currencies into a country);
iv. any losses you may incur resulting from foreign currency rate fluctuations, delays, or errors;
v. force majeure or any other event which is beyond our control, or which is not preventable by reasonable diligence on our part;
vi. damages, losses, claims or expenses suffered as a result of the act or omission of a third party which is beyond our reasonable control; and
vii. for any indirect or Consequential Losses suffered or incurred through your use of the Service however caused. “Consequential Loss” means any loss which is:
A. consequential upon another loss;
B. loss of income or revenue;
C. a loss of opportunity or goodwill;
D. a loss of profits;
E. a loss of savings; or
F. a loss of data.

b) Our maximum liability to you in respect of any claims arising from our Service is limited to refunding the purchase price of your order for the specific transaction giving rise to the claim. The disclaimers and limitations of liability in these Terms and Conditions shall not apply to any damages arising from death or personal injury caused by the negligence of TMOZ or any of its employees or for fraud. If any provisions of these Terms and Conditions including these disclaimers and limitations shall be unlawful or unenforceable then such provisions shall not apply but without affecting the validity and enforceability of the remaining terms. This does not affect your statutory rights under the Australian Consumer Law and nothing in these Terms and Conditions is intended to limit any rights you may have under the Competition and Consumer Act 2010 (Cth).

12. Personal Information

a) We are committed to protecting your personal information and agree to handle your personal information in accordance with our Privacy Policy, which is available online or in store.

b) By providing personal information to us, you agree that our Privacy Policy will apply to how we handle your personal information, and you consent to us collecting, using and disclosing your personal information as detailed in our Privacy Policy. You agree that all information provided by you is true and correct, that any material information will not be withheld, and you will provide us with any additional information that may be required by us.

c) All debit and credit card holders are subject to validation checks and authorisation by the card issuer. If the issuer of your payment card refuses to authorise payment your order will not be accepted.

d) As outlined elsewhere in these Terms and Conditions, the personal information that we collect within the course of providing the Service to you is for the purpose of fulfilling our obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth). The Service cannot be provided without us collecting this information for this purpose.

e) We may engage a third party to check your identity or verify your information. You agree that we and that third party can collect and use the information you provide to confirm your identity with appropriate sources.

f) Details of your identity will be stored in accordance with our Privacy Policy. Your personal information will also be captured and used in order to facilitate delivery of your order, for example, receiver details, and personal identifiers such as signature, an image of you on your identification and the identifying digits of your identification, which will be recorded by us or our delivery partner in accordance with our Privacy Policy.

13. Warranties and Representations by you

By using the Service, you warrant that:

a) you are authorised to use the Service and will not in any way be in breach of any of these Terms and Conditions when using the Service;

b) you are using the Service for personal use only; and

c) you are not subject to any sanctions nor are you acting on behalf of a sanctioned person or entity or from a sanctioned country. Particularly, you warrant that you are not subject to any economic or financial sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department including any ‘Specially Designated Nationals and Blocked Persons’ as prescribed thereunder (the “US Economic Sanctions”), or any such sanctions administered by any other applicable government authority and you will not engage in, and will not conduct any business activities, with or for the benefit of any persons or entities that are subject to such sanctions, including the US Economic Sanctions.

Furthermore:

d) you acknowledge and assume all of the risks associated in using the Service; and

e) you acknowledge and agree that it is your responsibility to use the Service in accordance with these Terms and Conditions.

14. Intellectual Property

a) All content, trademarks, logos, and intellectual property displayed on our Website are the property of their respective owners and protected by applicable intellectual property laws.

b) You may not use, reproduce, modify, or distribute any content from our Website without our prior written consent.

15. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of Queensland, Australia. Any disputes arising out of or in connection with these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of Queensland. You irrevocably and unconditionally submit to the exclusive jurisdiction of the courts of Queensland, Australia, and waive any right that you may have to object to an action being brought in those courts.

16. Account Set Up

a) When purchasing a Currency Pass online, you must create an account, which is necessary to track your order. An account will also allow you to keep track of your previous transactions.

b) If you are purchasing foreign currency cash, you may complete your order as a guest (without creating an account), however, you will not be able to keep track of your previous transactions.

17. Terms and Conditions governing access

a) Access to the Website is provided only in accordance with our Terms of Use (“Website Terms”). Please read the Website Terms (which can be accessed at www.travelmoneyoz.com/terms-of-use) carefully before you start to use the Website. By using the Website, you indicate and warrant that you accept the Website Terms and that you agree to abide by them. If you do not agree to the Website Terms, please refrain from using the Website.

b) Our Website may, from time to time, contain links to and from the websites of our group companies, selected partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and accordingly we cannot accept any responsibility or liability for such policies. It is therefore advisable to check these policies before you submit any personal information to these websites. By using the Website and our Services you accept the terms governing the websites of our partners.

18. Third Party Rights

When you place an order for foreign currency cash via the Website and we receive your payment for the order and accept your offer to enter into the contract for the related Service, we are entering a contract with you personally. Nothing in these Terms and Conditions will confer any benefit on any third party or any right to enforce these Terms and Conditions, on any third party.

19. Complaints

If you have any comments or complaints in respect of our Services, please contact us by phone: 1300 426 997 (during business hours).