Website Terms of Use

Applies to armf.com and ARMF public webpages. Separate customer terms apply to remittance services.

About these Website Terms

These Website Terms of Use ("Website Terms") apply when you access or use armf.com, its connected webpages, help pages, campaign pages and other public websites operated by ARM Financial Services Pty Ltd trading as ARM Financial or ARMF (together, the "Website").

By accessing or using the Website, you agree to these Website Terms. If you do not agree, you should stop using the Website.

The Website Terms should be read together with our Privacy Policy and Cookie Policy. If you become an ARMF customer, additional service-specific terms and disclosures will apply to your account and transactions.

About ARMF

ARM Financial Services Pty Ltd is an Australian private company with ABN 35 659 595 570 and ACN 659 595 570, trading 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. The availability of other features described on global or marketing pages may depend on jurisdiction, regulatory permissions, customer type and product launch status.

Website information is general

The Website is intended to provide general information about ARMF, our services and related topics. Unless expressly stated otherwise, Website content:

• is not financial, investment, tax, accounting or legal advice;
• does not take account of your objectives, financial situation or needs;
• does not constitute an offer, recommendation or commitment to provide a particular product or service; and
• may describe products, functionality or corridors that are not available to every customer or in every country.

Before relying on product information, you should review the terms, fees and disclosures presented to you for the particular service and transaction.

Product availability, rates and illustrations

Exchange rates, transfer times, fees, savings examples, transaction volumes, currencies, countries, product screenshots and other figures shown on the Website may be illustrative, indicative, historical or subject to change.

The rate and fee that apply to a remittance transaction are the rate and fee shown to you in the applicable transaction flow before you confirm the transaction, subject to the relevant customer terms.

Website statements such as "instant", "real-time" or similar descriptions should be understood in the context of the relevant payment corridor and service. Actual completion times may be affected by compliance checks, banking cut-off times, payment partners, recipient institutions, public holidays, technical events and other matters outside ARMF's reasonable control.

Access to the Website

We may change, suspend, withdraw or restrict any part of the Website for maintenance, security, legal, regulatory or operational reasons. We do not guarantee that the Website will always be available, uninterrupted or error-free.

You are responsible for ensuring that your device, internet connection, browser and other technology are suitable for accessing the Website.

Acceptable use

You must use the Website lawfully and must not:

• attempt to gain unauthorised access to the Website, ARMF systems or another user's account;
• introduce malware, malicious code, automated attacks or other harmful material;
• scrape, harvest, copy or systematically extract Website data except with our written permission or as permitted by law;
• use the Website to facilitate fraud, money laundering, scams, sanctions evasion or any other unlawful activity;
• impersonate ARMF or another person, or misrepresent an affiliation with ARMF;
• interfere with Website security, performance, availability or integrity; or
• use ARMF intellectual property in a manner that suggests sponsorship, endorsement or partnership without permission.

Accounts and secure areas

Some Website links may take you to secure registration, onboarding, login or transaction environments. Those environments may be hosted on different ARMF domains or by approved service providers and are subject to additional terms and security requirements.

You must keep account credentials, passwords, PINs, one-time passcodes and authentication methods confidential. If you believe your account or device has been compromised, contact us immediately using the support details in your customer terms.

Intellectual property

Unless otherwise stated, ARMF or its licensors own the intellectual property rights in the Website, including its software, design, text, graphics, logos, brand elements, videos and other content.

You may view and use Website content for your own lawful personal or internal business purposes. You must not reproduce, modify, distribute, commercialise or create derivative works from substantial Website content without our prior written consent, except where permitted by law.

Third-party websites and services

The Website may contain links to third-party websites, applications, social media pages, banks, payment providers or other external services. Links are provided for convenience and do not necessarily mean that ARMF endorses or controls the third party.

Third-party services are governed by their own terms and privacy practices. ARMF is not responsible for third-party content, availability or conduct except to the extent responsibility cannot lawfully be excluded.

Security and communications

Although we take reasonable steps to protect our systems, no website or internet transmission can be guaranteed to be completely secure. You should use current security software, protect your devices and remain alert to impersonation, phishing and scam attempts.

ARMF will never ask you through an unsolicited email, telephone call or text message to disclose your full password, PIN or one-time authentication code.

Liability and non-excludable rights

Nothing in these Website Terms excludes, restricts or modifies any consumer guarantee, right or remedy that cannot lawfully be excluded or restricted, including rights that may arise under the Australian Consumer Law.

Subject to those rights and to the extent permitted by law, ARMF is not responsible for loss arising solely from reliance on general Website information, a third-party website, an interruption outside our reasonable control, or your misuse of the Website.

This section does not exclude liability for fraud, wilful misconduct, negligence or any other liability to the extent it cannot lawfully be excluded.

Privacy and cookies

Our Privacy Policy explains how we handle personal information. Our Cookie Policy explains our use of cookies, analytics and similar technologies. Where available, you can manage optional tracking through the Cookie Preferences control in the Website footer.

Changes to these Website Terms

We may update these Website Terms to reflect changes to the Website, our services, technology, law or business operations. The latest version will be published on the Website with its effective or last-updated date.

A change to these Website Terms does not by itself change the terms governing a remittance transaction already completed or accepted under separate customer terms.

Governing law

These Website Terms are governed by the laws of Victoria, Australia. You and ARMF submit to the non-exclusive jurisdiction of the courts of Victoria and courts hearing appeals from them, subject to any rights you have under applicable consumer law to bring a claim elsewhere.

Contact ARMF

ARM Financial Services Pty Ltd | ABN 35 659 595 570 | ACN 659 595 570

Suite 110, Level 1, 530 Little Collins Street, Melbourne VIC 3000, Australia

Email: support@armf.com | Phone: +61 3 8679 2233 | Website: armf.com