Website use agreement

IMPORTANT NOTICE: PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THE WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THEM AND THAT YOU AGREE TO BE BOUND BY THEM.

 1          Areas of the Website - This website consists of public areas ("Public Area") with unrestricted access and
private areas ("Private Area") with restricted access. Any reference to the Website is intended to apply to both
areas.

 2          Website - The Public Area of the Website provides information about the mechanics of foreign exchange
transactions and current information about exchange rates. The Private Area allows you to book transactions,
enter recipient account details and access information about your account online (collectively "the Services").
You may also obtain some or all of the Services by telephone or email, in which case these terms and conditions
will also apply to the extent that they are relevant. Any Services provided to you will be provided only pursuant to
our standard customer agreement which you must agree to in addition to this agreement and prior to the
provision of any such Services.

 3          Access to Private Area with Username and Password - Upon registration, you will be able to obtain a
username and password with unlimited or prescribed levels of authority in order to enable you and your
authorised representatives to access the Private Area of the Website and use the Services. You accept these
terms and conditions of use each time the Private Area is accessed by anybody using your username and
password. We will not check the identity of the user every time the username and password are used. It is your
responsibility to ensure the security of your username and password. We will be entitled to assume that anybody
who uses the username and password has your full authority to do so and accepts no responsibility for misuse or
unauthorised access, other than in circumstances where the use has been by employees of OFX or where you
have notified OFX of termination in accordance with this Agreement.

 4          Legitimate Use - You agree to use the Website only for legitimate purposes. You agree not to interfere
with, damage (or attempt to interfere with or damage) or reverse-engineer any code, data or software on or
associated with the Website. You agree to access the Private Area only in accordance with the terms of any
customer agreement you enter into with us.

 5          Ownership of Information on the Website - The copyright in the Website and all associated material is the
property of OFX or third parties from whom the material has been licensed. By accessing or using the Website,
OFX grants you a limited licence to view and otherwise access content on the Website, but you are not
authorised to use such content or source code for any other purposes, including reverse engineering or copying
that content or source code, unless otherwise specified.  All other rights are reserved, and, except as outlined in
this agreement or as otherwise permitted by any copyright legislation, no part of the Website and associated
material may be reproduced or published in any form or by any means, electronic or mechanical, including
photocopying, recording, or by information storage or retrieval system, without the prior written permission of
OFX.

 6          Use of Information on the Website - The information, including any charts, graphs and models,
("Information") on this Website has been obtained from sources believed to be reliable and has been prepared in
good faith and with all reasonable care. However, OFX makes no warranty, express or implied, concerning the
suitability, completeness, quality or exactness of the Information. Neither OFX, nor any of its providers of
information, assume any liability to you, or to any other third party, for the accuracy of the Information or for any
errors or omissions therein, nor will OFX or any of its providers of information have any liability for the use,
interpretation or implementation of the Information. 

 7          Accuracy of Information on the Website - By providing the Information on this Website, OFX undertakes
no obligation to update the Information. Forecasts, opinions or strategies herein are based on assumptions,
market conditions and available information at the time of writing and may change without notice. In particular,
currency converter rates are updated where possible on a daily basis, but users should be aware that, for many
exchange rates, daily data is not readily available and so rates may be significantly out of date. These rates are a
guide only, so visitors to the Website should consult their financial institution to obtain actual rates of exchange.

 8          No Financial Advice - The Information contained in this Website does not constitute investment or
financial advice, and nothing relating to the provision of the information herein shall be construed as creating a
fiduciary, financial or other advisory relationship between OFX and the user or any other third party.  Any
comments or statements made are not a recommendation that a particular course of action is suitable for you
and should not be regarded as investment advice. Before making any investment decision on the basis of any
reports or information provided, you must read any relevant disclosure document and make your own
investigations regarding the accuracy, reliability and completeness of this information. You should also seek
expert professional advice about the offer in light of your particular financial circumstances and particular
investment needs.

 9          No Liability for Delays or Technical Problems - Subject to any conditions and warranties implied by
legislation, OFX excludes liability for any delay, interruption or unavailability of the Website.

10        Access to the Website - OFX will use all reasonable efforts to provide access to the Website at all
reasonable times, but cannot guarantee that such access will never be interrupted as a result of technical or
other unforeseen problems. OFX reserves the right to suspend or terminate access to the Private Area at any
time and without prior notice.

11        Termination of Access to Website - You may terminate your access to the Private Area of the Website at
any time by giving us 48 hours written notice by email of your intention to change or terminate your username
and password. In the event that you suspect that any person has gained access to your username and password
without your authorisation, you should contact us immediately on the telephone number on this Website.

12        Account Records in the Private Area - You should check your account records carefully and promptly
report to us as soon as you become aware of any payments that you think are errors or are payments that you
did not authorise or you think were made by someone else without your permission.

13        Errors or Mistakes in the Private Area - You must notify us promptly if you become aware that you have
made a mistake while booking a transaction online or if you become aware of any delays or mistakes in
processing your transactions on the part of OFX.

 14        Fee Disclosure - OFX may receive fees for advertising on the Website and in any email newsletters that
might be sent to you. OFX may have a financial interest in the outcome or success of the offers of financial
products mentioned in this Website.

15        Indemnity by You - You fully indemnify and hold harmless OFX and its officers, employees and agents in
respect of any loss, damage, cost or expense which they may sustain or incur arising from or related to the
improper use of the Website by you or your authorised representatives.

16        External Links - The Website may contain links to other websites which are not maintained or controlled
by OFX ("third party site"). OFX makes no representations or warranties whatsoever about any third party site.
The Website provides these links as a convenience only. A link does not imply endorsement of, sponsorship of,
or affiliation with the linked site. OFX accepts no responsibility for the content or use of any third party site. If you
link to any third party site, you leave the Website and do so entirely at your own risk.

17        Security - OFX employs secure encryption technology, but cannot guarantee that the Website will always
be free of viruses or bugs or that any communication between you and the Website is secure from interception by
third parties. 

18        Alternations to the Website - OFX reserves the right to alter without notice the content, appearance and
Services offered on the Website, provided always that, in the event of any inconsistency, the terms of the
customer agreement that you enter into with OFX shall prevail.

19        Privacy - The privacy policy on the Website forms part of this agreement.

20        Jurisdiction - This agreement is governed by the laws of the jurisdiction in which you resident or
registered as a company.