Website terms of use

2. Acceptable use of the website

• 2.1. The PFG Smart Credit website and mobile application are provided for Your convenience to facilitate international money transfers and access related financial services. The information and content available on the Platform are intended solely for general informational purposes and do not constitute financial or legal advice.
• 2.2. Through our website, Users can:
  • 1.1.1. Access and manage their PFG Smart Credit accounts.
  • 1.1.2. Initiate and track international money transfers in real time.
  • 1.1.3. Review transaction history and account details securely.
  • 1.1.4. Learn about our services, fees, and compliance measures.
  • 1.1.5. Contact our customer support for assistance.
• 2.3. The Platform is made available for personal, non-commercial use only. You may not use, reproduce, distribute, or publicly display any content from the Platform for resale, commercial purposes, or any unauthorized use. Any misuse of the Platform or its content is strictly prohibited.
• 2.4. While using the PFG Smart Credit website and services, you must not:
  • 1.1.1. Engage in hacking, introducing viruses, malware, or any security threats that could disrupt or compromise the website’s integrity.
  • 1.1.2. Use the platform for fraudulent, unlawful, or unauthorized activities, including money laundering or financial crimes.
  • 1.1.3. Extract or harvest data from the website using automated tools such as bots or web scrapers.
  • 1.1.4. Impersonate any individual or entity, misrepresent your identity, or provide false information while accessing our services.
• 2.5. Any violation of these terms may result in immediate suspension or termination of access to our platform and may be reported to relevant authorities.

1. Services

• 1.1. Our services include:
  • 1.1.1. International money transfers via our website and mobile application.
  • 1.1.2. Secure and compliant transactions, adhering to Australian and international legal standards.
  • 1.1.3. Seamless digital transactions with minimal intervention required from Users.
  • 1.1.4. Advanced security measures, including 256-bit SSL encryption, biometric authentication, and Tier 4 data centre storage.
  • 1.1.5. Real-time tracking and digital archiving, ensuring full transparency and efficiency in every transaction.
• 1.2. By using our services, You acknowledge that transactions are subject to applicable law requirements, and internal compliance checks to prevent fraud, money laundering, and other financial crimes.

2. User Obligations

• 2.1.By using PFG Smart Credit, You agree to the following obligations:
  • 1.1.1. You must comply with all applicable Australian and international laws, including anti-money laundering (AML) and counter-terrorism financing (CTF) regulations.
  • 1.1.2. You must provide true, complete, and up-to-date information when registering for an account, making transactions, or using our services.
  • 1.1.3. You are responsible for providing accurate and up-to-date information and must keep your login credentials confidential.
  • 1.1.4. You must report any unauthorized access or suspicious activity to PFG Smart Credit immediately.
  • 1.1.5. You must not use PFG Smart Credit for any illegal, fraudulent, or unauthorized activities, including money laundering, fraud, or financing of illegal operations.
  • 1.1.6. All transactions must be conducted only for legitimate purposes, and You must not send or receive funds on behalf of third parties without proper authorization.
  • 1.1.7. You must not misuse or tamper with the Platform, engage in activities that disrupt our services.
• 2.2. PFG Smart Credit reserves the right to suspend or terminate accounts if misuse, fraudulent activity, or security threats are detected.

3. Compliance

• 3.1. PFG Smart Credit is committed to maintain the highest standards of compliance requirements. As a registered and regulated money transfer service under AUSTRAC, we ensure that our operations align with Australian financial regulations, international AML/CTF obligations, and industry best practices.
• 3.2. To safeguard the integrity of our services, we employ security protocols, transaction monitoring systems, and identity verification measures. Transactions may be subject to review, and additional documentation may be requested to meet compliance obligations.
• 3.3.We reserve the right to decline, suspend, or review any transaction that appears to violate legal standards.
• 3.4. Users must ensure that their activities on our Platform comply with all applicable law requirements.

4. Privacy Policy

• 4.1. PFG Smart Credit is committed to protecting Your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). Our Privacy Policy outlines how we collect, use, store, and protect Your data when You use our website, mobile application, and services.
• 4.2.Your data shall only be used for legitimate business purposes, such as processing transactions, fraud prevention, and compliance with legal obligations. We do not sell, rent, or share Your personal information with third parties except as required by law or with Your explicit consent.
• 4.3.For more details on how we handle Your personal data, please refer to our Privacy Policy, available on our website.

5. Accuracy of Information

• 5.1. PFG Smart Credit believes that all information provided on the website and through our Platform is accurate. However, we do not guarantee the accuracy, completeness, or reliability of the information contained on the website.
• 5.2. We disclaim any liability or responsibility for any direct or indirect loss or damage that may occur due to reliance on the information provided on the website or the omission of any information.
• 5.3. We reserve the right to correct, update, or modify any content on our Platform without prior notice.

6. No Warranty

• 6.1. The materials, content, and services provided on the PFG Smart Credit website and mobile application are offered without any warranties, express or implied. PFG Smart Credit makes no representations or guarantees regarding the accuracy, completeness, reliability, or availability of any information, content, or materials presented on the Platform. We are not liable for any damages arising from the use of, or inability to use, the website or our services.
• 6.2. We do not guarantee that the information, text, graphics, links, or other elements available on the Platform are error-free or entirely accurate. The content may contain technical inaccuracies, typographical errors, or outdated information. PFG Smart Credit reserves the right to modify, update, or correct any content at any time, without prior notice.
• 6.3. While we strive to ensure continuous access to our Platform, we do not guarantee uninterrupted availability. Access may be affected by technical difficulties, system maintenance, or unforeseen circumstances beyond our control.

7. Limitation of Liability

• 7.1.We acknowledge the rights and remedies available under the Trade Practices Act 1974 or similar legislation in other States or Territories, which may not be modified, restricted, or excluded. PFG Smart Credit and its related entities exclude all implied conditions and warranties, except those that cannot be excluded by Law.
• 7.2.To the extent permitted by Law, we will not be liable for any loss, damage, liability, claims, or expenses (including legal, defence, or settlement costs), whether direct, indirect, consequential, financial, or non-financial, arising out of or related to the website, third-party websites, or otherwise, whether in contract, tort (including negligence), statute, or otherwise. Please note that liability is limited by the scheme approved under the Professional Standards Legislation.

8. Links to Third-Party Websites

• 8.1. Our Platform may include links to third-party websites or resources that are not owned, operated, or controlled by PFG Smart Credit. We do not endorse or take responsibility for the content, privacy policies, security, or Terms of use of these external sites.
• 8.2. By accessing third-party links, You acknowledge that PFG Smart Credit is not liable for any losses, damages, or issues arising from Your use of such websites. Your interactions with third-party services are solely at Your own risk.

9. Termination of Access

• 9.1. PFG Smart Credit reserves the right to suspend, restrict, or terminate Your access to our website and services at any time, without prior notice, if we determine that You have violated these Terms of Use, engaged in fraudulent activity, or acted in a manner that may harm our Platform, Users, or legal compliance.
• 9.2. We may also terminate or restrict access due to security concerns, technical issues, legal requirements, or at our sole discretion. Upon termination, Your right to use our services ceases immediately, and we are not liable for any loss or inconvenience resulting from such action.

10. Modifications to Terms

PFG Smart Credit may update or modify these Terms of Use at any time. All changes will be posted on this page, and the "Effective Date" at the top will reflect the most recent update. We encourage You to review these Terms regularly to stay informed of any changes.

11. Governing Law

We reserve the right to take whatever legal action necessary for the security of this website and the intellectual property rights of the information. Such actions will be initiated for the breach of the Copyright Act 1968 (Cth), Trademarks Act 1995 (Cth), Trade Practices Act 1974 (Cth) and the Privacy Act 1988 (Cth), breach of contract and any obligation of privacy. All our legal notices and Your use of this website will be governed by and interpreted in accordance with the Laws of Australia. While using our website You are completely and permanently submitting to the jurisdiction of the Courts of Victoria, Australia. Any misuse of our information without our consent will be liable for prosecution.

12. Unlawful Activity

PFG Smart Credit reserves the right to investigate complaints or reported violations of these Terms of Use and to take any action which deems appropriate. This may include, reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties, and disclosing any information necessary or appropriate to such persons or entities. This may include information relating to Your profile, email addresses, usage history, posted materials, IP addresses, and traffic data.

13. Indemnity

You agree to indemnify, defend, and hold PFG Smart Credit and its affiliates, business partners, officers, directors, employees, and agents harmless from any loss, liability, claim, action, suit, demand, damage, or expense (including reasonable legal fees, costs of investigation, and court costs) asserted by any third party in any way related to or arising from Your use of the Services, any third-party applications, software, information, content, or materials You post or share on or through the Services, or any breach of these Terms of Use. PFG Smart Credit reserves the right to assume the exclusive defence and control of any matter subject to indemnification by You, which shall not excuse Your indemnity obligations.

14. Contact Us

If You have any questions or concerns about these Terms of Use, please contact us at:

PFG Smart Credit
P.O Box 842, Tullamarine, VIC 3043
Call us: 1300 557 817 (Monday to Saturday 10 AM to 7 PM AEST)
Email: info@pfgsmartcredit.com.au