3. 1. Registration

All users of the Services (each, a "User") must register before using the Services. To register for an Account, you must provide an email address and password, as well as accept the Terms of Use, Privacy Policy, and Consent Form. Arta Australia may, in its sole discretion, refuse to open an account for you. You agree to provide complete and accurate information when opening an Account and agree to promptly update any information you provide to Arta Australia so that such information is complete and accurate at all times. Each registration is for a single user only, and each User (including with respect to any User that is a business or legal entity) may only maintain one active Account with Arta Australia.

3. 2.  User Identity Verification

With registration of an account on Arta Australia, you agree to share personal information requested for the purposes of identity verification. This information is used specifically for the detection of money laundering, terrorist financing, fraud, and other financial crimes on the Arta Australia platform. We will collect, use, and share this information in accordance with our posted Privacy Policy. In addition to providing this information, to facilitate compliance with global industry standards for data retention, you agree to permit us to keep a record of such information for the lifetime of your account plus 7 years beyond account closing. You also authorize us to make inquiries, either directly or through third parties, that are deemed necessary to verify your identity or to protect you and/or us against financial crimes such as fraud.

The identity verification information we request may include, but is not limited to, your: Name, Email Address, Contact Information, Telephone Number, Username, Government Issued ID, Date of Birth, and other information collected at the time of account registration. In providing this required information, you confirm that it is accurate and authentic. Post-registration, you must guarantee that the information is truthful, complete, and updated in a timely manner with any changes. If there is any reasonable doubt that any information provided by you is wrong, untruthful, outdated, or incomplete, Arta Australia shall have the right to send you a notice to demand corrections, remove relevant information directly and, as the case may be, terminate all or part of the Services to you. You shall be solely and fully responsible for any loss or expenses incurred during the use of Arta Australia Service if you cannot be reached through the contact information provided. You hereby acknowledge and agree that you have the obligation to keep all information provided up to date if there are any changes.

This section outlines the registration process and the requirements for user identity verification to ensure compliance with legal and regulatory standards, particularly regarding the prevention of money laundering and fraud. Users are encouraged to read and understand this section carefully before registering and using Arta Australia's remittance services.

3. 3.  Account Usage Requirements

Accounts can only be used by the person whose name they are registered under. Arta Australia reserves the right to suspend, freeze, or cancel accounts that are used by persons other than the persons whose names they are registered under. You shall immediately notify Arta Australia if you suspect or become aware of unauthorized use of your username and password. Arta Australia will not be liable for any loss or damage arising from any use of your Account by you or by any third party (whether or not authorized by you).

3. 4.  Account Security

Arta Australia strives to maintain the safety of those user funds entrusted to us and has implemented industry-standard protections for the Services. However, there are risks that are created by individual User actions. You agree to consider your access credentials such as user name and password confidential and not to disclose such information to any third party. You also agree that you alone are responsible for taking necessary safety precautions to protect your own account and personal information.

You shall be solely responsible for the safekeeping of your Arta Australia account and password on your own, and you shall be responsible for all activities under Account, and Arta Australia will not be responsible for any loss or consequences of authorized or unauthorized use of your Account credentials, including but not limited to information disclosure, information posting, consent to or submission of various rules and agreements by clicking on the website, online renewal of the agreement, etc.

By creating an Account, you hereby agree that: (i) you will notify Arta Australia immediately if you are aware of any unauthorized use of your Arta Australia account and password by any person or any other violations of the security rules; (ii) you will strictly observe the security, authentication, dealing, charging, withdrawal mechanism, or procedures of the website/service; and (iii) you will log out from the website by taking proper steps at the end of every visit.

The execution of all remittances by Arta Australia is subject to full compliance with the rules and regulations of the countries involved in the remittance process. Customers bear all compliance and regulatory responsibilities and must adhere to them. Arta Australia disclaims any liability in this regard.

Arta Australia is committed to fully complying with the Australian Government's Anti-Money Laundering and Terrorist Financing Guidelines (Act 2006). As a result, all remittances are accepted only after verifying and confirming the customer's identity. By sending information to Arta Australia, the remittance sender allows Arta Australia to match the provided information with other official and unofficial sources. Arta Australia may also use all available information sources at its discretion to verify the sender's identity. Regardless of the transaction amount, all transactions are recorded and reported in accordance with the Anti-Money Laundering and Terrorist Financing Act (2008).

Requesting a money transfer order signifies acceptance of all terms and conditions outlined by Arta Australia. The exchange rate presented to the customer remains valid for a maximum of one hour. The customer must provide the payment receipt to Arta Australia within one hour of inquiring about the price. Otherwise, a new price query must be made. If the remittance amount is not settled in the Arta Australia account within 24 working hours, the previous remittance is cancelled, and a new remittance is offered at a new rate. Arta Australia holds no responsibility in this regard.

To comply fully with anti-money laundering and terrorist financing laws, if additional information about the sent remittances is needed, the customer must provide the required information to Arta Australia within 72 hours of Arta Australia's formal request. The sender is responsible for all legal costs related to compensation if the information provided contradicts the bank information or credit cards of the remittance sender.

Submitting a money transfer order does not guarantee its confirmation by Arta Australia. All money transfer orders remain initially pending, and Arta Australia has the authority to cancel or edit orders, including the total amount, rate, receiver information, and other details at its discretion. The accuracy of the information entered in the remittance submission forms and documents sent to Arta Australia is the responsibility of the remittance sender. Remittance payments to receivers are non-refundable, and Arta Australia will not be liable for any damages resulting from discrepancies or errors. Arta Australia may stop transferring remittances for any reason and inform the sender and, if necessary, legal authorities to fully comply with anti-money laundering and terrorist financing laws. Arta Australia commits to sending complete and approved remittances to the recipient's account within a maximum of 3 working days. In case of errors in depositing money at the destination, including double deposits or errors requiring the recipient's cooperation for compensation, the sender assumes responsibility for returning the funds. In case of non-cooperation by the recipient, Arta Australia has the right to report the remittance as suspicious to legal authorities and pursue the matter financially and legally until the money is returned. The sender bears all legal costs related to compensation.

The remittance fee is zero for all remittances. Transfer rates are offered according to the transfer amount and transaction history. Cancellation of a money transfer and refund of the original amount can be requested in writing, but only if the payment to the recipient has not yet been made. Cancellation fees apply and are deducted based on the order's value. Arta Australia does not have branches in countries outside of Australia. All international payments are facilitated through a network of partners, brokers, and third parties.

Please ensure that the information you provide to Arta Australia remains current, complete, and accurate. In case of any changes, such as your address, name, or identification expiration, you must update your personal information submitted to Arta Australia.

•  Notification of Dispute

Before pursuing formal legal proceedings, Arta Australia encourages Users to attempt to resolve any disputes informally by contacting Arta Australia first. Please contact Arta Australia through the following email address: [info@artaaustralia.com.au].

• Agreement to Arbitrate

You and Arta Australia agree to resolve any claims related to this Agreement (including any questions regarding its existence, validity, termination, or any services or products provided, and any representations made by us) through final and binding arbitration, except as set forth under "Exceptions to Agreement to Arbitrate" below. You agree to first provide Arta Australia with an opportunity to resolve any claims by contacting us as outlined in subsection (a) above. If we are unable to resolve your claims within 60 days of receiving the notice, you may seek relief through arbitration or in accordance with the relevant jurisdiction's legal procedures, as set forth below.

• Arbitration Procedure

After making good faith efforts to resolve a dispute informally as per subsections (a) and (b) above, either you or Arta Australia may submit a dispute for final, binding resolution by arbitration under the arbitration rules of an internationally recognized arbitration institution. The arbitration tribunal shall consist of a sole arbitrator appointed in accordance with the chosen institution's rules. The language of the arbitration hearings shall be English, and the seat or legal place of arbitration shall be determined based on the applicable arbitration institution's rules. Any arbitral award may be enforced in any court with jurisdiction over the party (or the assets of the party) against which such award is due and owing.

• Exceptions

Either party may choose to assert claims within the jurisdiction of the relevant legal authorities, and either party may seek injunctive relief or other urgent equitable relief in a court of competent jurisdiction. However, for the avoidance of doubt, where the claims fall outside of the jurisdiction of the relevant legal authorities, the claims will be referred to and finally resolved by arbitration.

• Governing Law

This Agreement is governed by the laws of [Specify Jurisdiction], except for its conflicts of laws principles unless otherwise required by mandatory law in any other jurisdiction.