The “Terms and conditions” is the document that explains the terms and conditions of our service when you use our service through our website. When you register and use our service you must be agreed to bind by the terms and conditions of Legal Remit. You do not have a standing arrangement to make transactions. We reserve all the rights to whether a permit or not any transaction you have made. By accepting our terms and conditions you will be legally bound by Legal Remit’s “terms and conditions”.
In these Terms and Conditions, the terms “Legal Remit”, ‘we', 'us', 'our' refers to Lumbini Group Pty Ltd, its employees, directors, affiliates, and assigns. Legal Remit is a business name of Lumbini Group Pty Ltd, which is registered in Australia with (ABN 54 635 043 248). Its corporate office is at 87 Anthony Rolfe Ave, Gunghalin, ACT, 2912 and its branch office is at Suite 1105 Level 11 370 Pitt Street, Sydney, NSW, 2000.
The terms you and your refer to users of the Service, as Senders, Recipients, other users or visitors to the website
These Terms and Conditions are effective from the date on which you first access, register or use the Service. Terms and conditions may change from time to time, but it is only applicable when you use the service, if you use the service before the change has been made that won’t be applicable to you. Any changes to these Terms and Conditions will be communicated to you. To continue to use the service after the amendment of the new Terms and conditions, you need to accept the changes.
The Service is to send money to family and friends, who you know well. This is not the service to send money to third parties such as sellers of the goods and so on.2. TERMS AND THEIR DEFINITIONS
Website refers to Legal Remit’s website www.legalremit.com, where you
can register and request a money transfer order.
Mobile App refers to the Legal Remit mobile application available on Play Store and App Store for Android and IOS respectively. Using our mobile App, you can register, request a money transfer order, and make utility bill payments.
System refers to the website of Legal Remit and our LR-Remit software and integrated software of partner banks in Nepal.
Registration refers to the account creation of the customer in our system, where you need to update your personal details also known as KYC details.
Payment method refers to the way you wish to transfer the money in our account. You can choose the method of payment as we have bank transfer, PAY ID/OSKO, PayTo, Debit Card, Credit Card and POLI. We don’t receive any cash deposits in our bank account. If you deposit cash in our account, we will refund your amount, but it might take up to 7 business days to be received in your accounts. Cash always carries a higher degree of risk; some cash deposits may take longer than 7 days period for the refunds if they required additional verification and compliance check on our part.
Transaction refers to the money transfer request you made through the website and our mobile application.
Transaction Amount refers to the amount of money or the value that the Sender wishes to send to the receiver, excluding any applicable Service Fee and prior to any foreign exchange conversion.
Transaction History refers to the record of your Transactions on our system which you may access using your login credentials Legal Remit website and mobile application.
Sender refers to the user who uses the service to send the money
Recipient refers to the beneficiary who receives the money from our partner on the behalf of the sender.
Service Provider means a local bank, money exchange house, or other third-party service providers with whom Legal Remit works to offer our remittance service.
Unconfirmed Transaction Status refers to the money transfer order from the customers whose money is yet to be received in our given bank account.
Confirmed Transaction Status refers to the money transfer orders from the customers, whose funds are reflected and confirmed by Legal Remit. These transactions are now on the way of payment to the nominated beneficiary.
Delivered Transaction Status refers to the money transfer orders which are already delivered to the recipient’s account or the recipient received the money.
Account Details Mismatch refers to the money transfer orders with an invalid recipient’s bank or wallet details provided by the sender to Legal Remit.
Tracking refers to the method of tracking transaction status offered by Legal Remit to keep customers updated about the transaction.
Purpose of transfer refers to the reason you wish to send money to the recipient.
Real-time payment refers to the instant payment to the nominated beneficiary or nominated beneficiary account.
Service Charge refers to the charge you need to pay for using our service. Service charges are subject to change without prior notice. Our service charge may vary depending on your preferred delivery method and preferred payment method.
Poli Payment processing fees: You agreed to pay Legal Remit processing fees for the POLI Payments under these terms and conditions. The amount will be charged on top of your money transfer order. We display an exact amount of charges while making a transaction using Poli payment.
Debit Card processing fees:You agreed to pay Legal Remit a debit card processing fee by accepting these terms and conditions. The amount will be charged on top of your money transfer order. We display an exact amount of charges while making a transaction using Debit Card. Debit card fees are always applied to each amount on a % basis.
Credit Card Processing fees: You are agreed to pay Legal Remit a credit card processing fees by accepting these terms and conditions. The amount will be charged on top of your money transfer order. We display an exact amount of charges while making a transaction using Credit Card. Credit card fees will be applied to each amount on a % basis. Please be informed that credit card processing fees are generally higher.
Please note that all service charge is inclusive of GST.Exchange rate refers to the published rate on our mobile application and website as per the market standard.
By accepting terms and conditions, you agreed to follow terms and conditions;
You agreed that
Legal Remit and its users must follow these dispute resolution clauses and proceedings before having recourse to arbitration or litigation.
The parties shall endeavour to settle any dispute arising out of or relating to this agreement, including with regard to its existence, validity or termination, by mediation administered by Legal Remit followed by expert determination.
This agreement will be terminated as soon as your transaction is completed. You will be no longer liable for these terms and conditions thereafter.13. Change in the terms and conditions
Legal Remit may review, update, and modify these terms and conditions to meet the regulatory requirement and follow the local laws and jurisdiction.14. Governing Law
These terms and conditions are governed by the law of the ACT government. Acceptance of this agreement enforces you and Legal Remit to be obliged exclusively with the law of ACT and the federal government.15. Agreement:
By accepting this agreement, you and Legal Remit both agreed to follow these terms and conditions thoroughly.
Legal Remit (ABN 54 635 043 248) ('Legal Remit', 'we', 'us', 'our') is a business name of Lumbini Group Pty Ltd.
All third parties (including customers, suppliers, sub-contractors, and agents) that have access to or use personal information collected and held by us must abide by this Policy.
Copies of this Policy are available free of charge by contacting our Privacy Officer or can be downloaded from our website https://legalremit.com/privacy-policy Please note that, this Policy does not extend to websites of third parties that we may provide links to on or from our website.
We protect your information and aim to be clear and open with how we use your information. This policy explains how we handle your personal information.
We collect your personal information when you register on our website, information including;
In some conditions, we may be provided with personal information about you from a third party. In that case, we will take reasonable steps to inform you that we hold the personal information and the purpose for which we hold the personal information. We will take reasonable steps to make you aware of this Policy.
Please note that you do not have the option of dealing with us anonymously, or by using a fictitious name, which is illegal for us to deal with individuals who are not identified. If you do not provide us with the personal information we request, we may not be able to provide you with the service you have requested. For example; process your funds' transfer request.
We use and disclose the information collected and held about you so that we may:
Please note that we are obliged to share your personal information with the regulator of Australia and your receiving country. But we always ensure that your data will be handled correctly and in accordance with the laws of Australia.Uses of Personal Information for marketing purposes
We use your personal information according to the Australian privacy guide in our product promotion, offers new scheme, and services, and provide you with customised services and product offering. We use your data in various ways by making sure your data is protected according to the law of Australia.
From time to time we may also use your information to tell you about our new products, services, offers and schemes we think you might be interested in. We may use the following to contact you;
We always ensure you that we never share, and handle your personal information with a third party for commercial purposes.
If you do not want to receive direct marketing messages, please unsubscribe through our website.
We keep your information safe and secure. Our staff are trained in how to keep your information safe and secure. We keep your information in the password-encrypted electronic system. Only authorized persons can access this information. We will retain your information for as long as needed to provide services to you, or as required by law. Where we no longer need your information, we will take reasonable steps to destroy or de-identify it.
Our efforts, no method of transmission over the internet, or method of electronic storage, is Despite 100% secure. If you have any questions about security on our website, please contact us.
If you have a complaint regarding our handling of your personal information or if you believe we have breached the Privacy Act, contact Legal Remit Customer Service online; or by email at firstname.lastname@example.org
We will respond to your complaint within 30 days of receipt of the initial complaint. We will provide you with a written notice setting out our decision. If we are unable to resolve the complaint within 30 days we will:
Cookies are text files that web browsers use to store information. On computers, mobile phones, and other devices, cookies are used to store and receive identifiers and other information. For similar objectives, we also utilize other technologies, such as data we save on your web browser or device, device identifiers, and other applications. All of these technologies are referred to as "Cookies" throughout this document. Local shared objects, sometimes known as "flash cookies," web beacons, and other related technologies for gathering and storing information are also included under the umbrella term "cookies" (including transparent or clear gifs). Please get in touch with us via our CONTACT US page if you need more details regarding our cookie notice.
Regardless of whether you are signed in or registered, cookies allow Legal Remit to offer you products, as well as information on how you use other websites and apps. By modifying your browser's settings or going to the Cookie Consent Manager, you can control the cookie settings on your computer or other devices when you visit our website.
The particular Cookies that are used on our site fall into the following categories:
These cookies gather data on how users interact with a website, including the most popular pages visited and any problem warnings that are seen. Some of them are analytics cookies, which help us learn more about how people use our website and are placed by third-party web analytics software. For instance, we use Google Analytics like many other businesses. You can learn more about how we share data with Google, an independent organization, in Google's privacy statement. These Cookies are also used to showcase Legal Remit products or services that we believe will be of interest to you based on how you use our websites, manage the performance of marketing tools, and plan our marketing and customer experience actions.
Additionally, we employ other useful Cookies to give you access to more functionality and customization. These third-party service providers whose services we have added to our pages might set these Cookies. Where permitted by law, we will first get your permission before installing these Cookies on your computer or device. Some of these services might not work properly if you don't add certain Cookies.
Advertising cookies are used to show you advertising that is relevant to your interests and to provide you with a better browsing experience whether using the Internet, social media, or other websites. Where permitted by law, we will first get your permission before installing these Cookies on your computer or device. We mainly employ two kinds of advertising cookies:
Ads that are more relevant to you and your interests are delivered using these cookies. Additionally, they help determine the success of the advertising campaign and reduce the number of times you are exposed to advertisements. Usually, advertising networks place them with the owner of the website's consent. They keep track of the websites you've visited, and they share this information with other businesses like marketers. Targeting Cookies are frequently connected to website functionality offered by the other organization.
To allow you to share our material with your networks or peers, we have integrated a number of social media services into our website. These services set cookies in your browser. They have the ability to follow your browser on other websites and compile a profile of your interests. You could notice different messages and content on other websites you visit as a result of this. More than one of these functions may be served by some cookies.
Our aim is to keep you and all Australians safe from financial Crime. Lumbini Group Pty Ltd (the parent entity of Legal Remit) is registered as an independent remittance dealer in Austrac. Our Austrac registration number is 100622798. As per the regulator’s guidelines, we are dedicated to fighting against money laundering and counter-terrorism financing. Customers' due diligence and KYC verification including electronic identity checks in DVS are the most important part of compliance. We also check PEPs and sanctions against customers to protect against financial crime. As we are a Legal company to transfer money overseas, all of our users must comply with the Australian jurisdiction and their beneficiary’s AML-CTF obligations.
To comply with our AML-CTF program, we may request you additional documents before providing designated service. In the course of meeting the requirement and staying compliant with the regulator, clients must provide the requested information. Failure to provide the requested information may result in the denial of our product and service to you. You can find more information about Money Laundering and way to keep yourself safe on the Austrac website. Please click Homepage | AUSTRAC