ARMF is a fintech platform that allows you to transfer money internationally within minutes. Our platform offers affordable transfer fees, mid-market exchange rates, and zero hidden fees for individuals and businesses.

Are transfers fast and secure?

Yes. Our platform uses ISO-compliant security standards and implements multi-factor authentication to ensure every transaction is safe. We offer instant, same-day transfers with real-time tracking.

Can I hold multiple currency accounts?

Yes, users can hold and manage multi-currency accounts across 50+ supported currencies with real-time mid-market exchange rates.

How do I connect with the ARMF support team?

You can contact support via email at support@armf.com or phone at +61-3-8679-2233. Our team responds within 24 hours.

Australia Legal Information

Version 1.1 · Effective: 1 September 2026 · Next Review: 1 September 2027

A website legal hub for customers, website visitors and applicants dealing with ARMF in Australia.

Australian legal centre

Use this page as the main legal-navigation page for ARMF Australia. It should link customers to the latest version of each applicable policy or terms document.

ARM Financial Services Pty Ltd

ARM Financial Services Pty Ltd (ABN 35 659 595 570, ACN 659 595 570) trades as ARM Financial and ARMF. Our registered business address is Suite 110, Level 1, 530 Little Collins Street, Melbourne VIC 3000, Australia.

ARMF provides international money remittance services to eligible customers in Australia. Product availability can differ by jurisdiction and customer type.

Australian legal documents

Document	What it covers
Australian Remittance Terms and Conditions	Customer contract governing the use of ARMF international remittance services in Australia.
Privacy Policy	How ARMF collects, uses, discloses, secures and retains personal information and handles privacy rights and complaints.
Complaints Policy	How to make a complaint, how ARMF investigates it and any external escalation options that apply.
Website Terms of Use	Terms governing use of armf.com and ARMF public website content.
Cookie Policy	How cookies, analytics and similar technologies are used on ARMF websites.
Cookie Preferences	Controls for optional website analytics, functionality and marketing technologies.
Regulatory Information - Australia	Corporate and regulatory information relevant to ARMF Australian remittance services.
Customer Fairness & Consumer Protection Statement	ARMF's principles for clear information, fair treatment, support and customer outcomes.
Job Applicant Privacy Notice	How ARMF handles personal information about candidates and prospective workers.
Limitation of Liability, Liability Cap and Force Majeure	Contractual liability allocation, aggregate compensation cap, force-majeure events and preservation of non-excludable statutory rights.
Warranties, Representations and Service Guarantees	Service-availability, third-party and statutory-guarantee provisions applicable to ARMF services.
Customer Indemnity and Responsibility for Misuse	Customer responsibility for unlawful, fraudulent or materially improper use of ARMF services.
Customer Data Protection & Data Residency Policy	How ARMF protects customer information, manages Australian data residency and works with infrastructure providers.
Dispute Resolution	Complaints, external dispute resolution, agreed arbitration, courts and statutory dispute rights.
Fraud, Scam & Authorised Payment Reimbursement Policy - Australia	Scam types, customer responsibilities, ARMF warnings and controls, reporting, recovery and reimbursement principles.
Merchant & Business Contact Privacy Notice - Australia	Privacy notice for directors, beneficial owners, employees, authorised representatives, merchants and other business contacts.
Remittance Risk Disclosure - Australia	Key exchange-rate, payment, fraud, operational, compliance, third-party and force-majeure risks of international remittances.
Customer Behaviour & Respectful Communications Policy	Standards for respectful communications and ARMF responses to threatening, abusive, fraudulent or disruptive conduct.
How ARMF Prices Its Remittance Service - Australia	How transaction quotes, fees, exchange-rate margins, third-party charges and quote expiry may affect the total remittance price.

Regulatory position

ARMF is registered with AUSTRAC as an Independent Remittance Dealer for its Australian remittance activities. AUSTRAC registration relates to AML/CTF supervision and is not an endorsement or guarantee of ARMF or its services by the Australian Government. ARMF currently only provides remittance services to residents in Australia and hence ARMF is not required to hold an AFSL.

If ARMF introduces a product in Australia that requires separate financial-services licensing or disclosure documents, the applicable licence information and product documents should be published before that product is offered.

Product availability in Australia

Customers should rely on the Australian service flow and product-specific terms to determine which ARMF services are available to them. Global marketing pages may describe functionality that is not currently available to Australian customers.

Need help?

Purpose	Contact
General support	support@armf.com
Complaints	complaints@armf.com
Privacy	privacy@armf.com
Compliance	compliance@armf.com
Phone	+61 3 8679 2233
Address	Suite 110, Level 1, 530 Little Collins Street, Melbourne VIC 3000, Australia

Keeping legal information current

ARMF will review its legal pages periodically and when there are material changes to services, operating arrangements or applicable laws. The current version published on the Website should be treated as the latest version unless a product-specific communication states otherwise.