1. Background and Introduction to Terms of Use

Through our website http://www.saverasia.com we provide you with information regarding remittance and other financial services.

These Terms of Use outline what you need to be aware of when you use our website and purchase our Information, link to our website from your own site or visit other sites via a link from our website. They set out the legal relationship between you and us in connection with our website and our Information.

By accessing, viewing, relying on or otherwise using our website and Information, including and information in relation to Products, you accept these Terms of Use and agree to be bound by them and by any other notice contained on our website (as amended from time to time).

If you do not accept these Terms of Use you are not authorised to use our website or our Information.

2. Meaning of words

In these Terms of Use:

  • Information means and information provided by the us via the website, as amended from time to time;
  • notice includes a disclaimer, a disclosure or other statement, a consent and terms and conditions;
  • Products refers to any financial, remittance or any other products or services provided by us or by any third party;
  • related body corporate has the meaning given in the Corporations Act 2001 (Cth);
  • Terms of Use means these terms of use as amended from time to time;
  • we, us, DMA and our refer to Developing Markets Associates Pty Ltd ABN 15 136 401 520 and any related bodies corporate to which DMA says that these Terms of Use apply;
  • website refers website to https://www.saverasia.com and any variation or tailored version of the website created for your use;
  • you refers to you the user of our website, Information or Products; and
  • the singular includes the plural and vice versa.

3. Licence to use

    a)     We grant you a non-exclusive licence to use our website only for the purpose of accessing the information, Information available from our website and using the provided contact details or online form.

    b)    The licence granted under section 3(a) is for the period until such time as these Terms of Use terminate in accordance with section 13.

4. Using our website and the Information

By using our website and the Information you understand, confirm, acknowledge and agree that:

    a)    the data and information in the website, including the Information, is provided to you in good faith for informational purposes only. It is not intended for any other purposes.            You must not use the information to purchase or otherwise deal in any product, including but not limited to the Products, without obtaining independent and specialized            advice;
    b)    your use of our website and your use of our Information is subject to our Privacy Policy;

    c)    our Information includes reference to a variety of remittance and financial services as provided by third parties from time to time, including but not limited to the Products;

    d)    we do not endorse the services, products or offering of any individual, firm or company that may be referred or introduced to you by us via the website, including but not            limited to the Products;

    e)    the posting of any content does not constitute any offer or supply of goods, products or services by us to you;

    f)     we do not make any representations or warranties in relation to the website content and the Information and in particular as to whether it is reliable, accurate, up to date or            complete;

    g)    we do not warrant that the website will be uninterrupted, timely, secure, or error-free;

    h)    if you use a link to our website, you will include on your own website any disclaimer, notices or pop up pages that we may require in order to advise users that they are            being redirected to our website;

    i)     you must exercise all reasonable skill and care with respect to their use of the website and the Information and must evaluate the accuracy, currency, completeness and            relevance of the material on the website, including but not limited to the Information, for your purposes;

    j)     we may monitor the quality of the information available on this website and updates the information regularly;

    k)    the material on this website including the Information may include the views or recommendations of third parties, which do not necessarily reflect the views of DMA or            indicate our commitment to a particular course of action;

    l)     Some of the Information is provided directly by third parties and may be inaccurate or out of date and is subject to change;

    m)   you must verify the accuracy of any information provided by any third party before using any of the Products or the Information provided by that third party;

    n)    DMA does not make any recommendation with respect to the suitability of the Information or the Products;

    o)    the website must not be used as a substitute for professional advice including but not limited to in relation to the Products; and

    p)    The information in our website including but not limited to the Information and these Terms of Use have been prepared in accordance with the laws of the State of New            South Wales, and the Commonwealth of Australia. The website may not comply with the laws of any other country. Any dispute will be subject to the jurisdiction of the            Australian courts to which each party submits.

5. Live Rates

By using our website and the Information you understand, confirm, acknowledge and agree that:

    a)    The Information includes 'live rates' data. The ‘live rates’ comparison table featured on the website include a direct feed of remittance cost and product data provided by a            third party partner, RemitRadar Ltd. These live rates are provided at least daily, and in some cases are provided in real-time. The live rates data is for your general                      information only; and

    b)    DMA routinely monitors the information contained in the 'live rates' table and will immediately suspend any data found to be inaccurate. If any member of the public finds            the data featured on the ‘live rates’ comparison table to be inaccurate they are should report their findings to us at info@saverasia.com.

6. Limitation of Liability

To the extent permitted by law, neither we, nor any of our employees, agents or officers are liable to you for any direct or indirect loss or liability arising from, or any costs,          charges or expenses you incur in connection with:

    a)    information published, displayed or available on our website;

    b)    your use of our website, Information;

    c)    any action taken, failure to act, decision made or reliance by you on the basis of the website content and the data and information in the website;

    d)    any modification, suspension or discontinuance of our website, Information;

    e)    any errors or delays in the website content, or for any actions you or third parties may take in reliance on it; or

    f)    your use of any services, products or offering provided by any individual, firm or company referred by us to you via the website.

    This limitation applies whether your claim would otherwise arise in contract, under the law of torts (including negligence), by statute or otherwise.

7. Indemnity

You agree to indemnify and hold us harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of:

    a)    any content you submit, post, transmit or make available through the website;

    b)    your use of the website, Information; or

    c)    any violation of these Terms of Use.

8. Website security

We do not guarantee that information transmitted over the internet is totally secure. Therefore, when you send us information you do so at your own risk. Once we have received it, we take reasonable steps to keep the information secure while it is in our own systems but we do not guarantee that it is secure.

Your use of our website is at your own risk. We do not guarantee that our website is free from viruses, or that access to our website, services or products will be uninterrupted.

9. Information about you & your privacy

Our Privacy Policy sets out how we deal with personal information generally. If these Terms of Use are inconsistent with our Privacy Policy, these Terms of Use will take precedence.

10. Collecting information & cookies

When you use our website, we may collect personal information about you. Ordinarily, we tell you the purposes for which we collect that information when it is collected.

As a general rule, we only collect such information which is necessary for us to provide a product or service to you or to maintain our relationship with you.

The information we collect about you depends on how you use our website and may involve the use of "cookies". Please refer to our Privacy Policy for details on how we may use cookies on our website.

11. Third party websites

Our website may contain links to other websites operated by third parties. We do not endorse or otherwise approve the owners or operators of the third party website, or the information, graphics and material on those websites or the goods or services (including software) offered on those websites.

To the extent permitted by law, we are not responsible or liable for, and give no warranty in respect of, any third party website or the goods and services (including software) offered on any third party website or any information appearing on any website we may offer.

We may receive payments from third parties in relation to goods, services or information supplied or received as a result of users and third parties accessing any links to third party websites contained in our website.

Third party websites are not subject to our privacy standards so you should review the privacy policy and any other relevant notice that appears on a third party website.

12. Copyright & trademarks

The material on our website is protected by copyright. Other than for the purposes and subject to the conditions prescribed under the Copyright Act 1968 (Cth), you must not reproduce, upload to a third party, link to, frame, store in a retrieval system or transmit any part of it without our prior written consent.

Our website includes registered trade marks owned by us (or our licensors). You must not use any of these trade marks in any way without our prior written consent.

By accessing the website, you agree not to redistribute the information obtained from the website, or through another user of our website without our prior written consent.

13. Permitted use and licence

You agree to not use the website:           

    a)     for any purpose that is unlawful or prohibited by these Terms of Use;

    b)    in any manner that could damage, disable, overburden, or impair our server, or the network(s) connected to our server, or interfere with any other party's use and     
           enjoyment of the website;

    c)    to attempt to gain unauthorised access to any service, other accounts, computer systems or networks connected to our server or services through hacking, password     
           mining or any other means;

    d)    to attempt to obtain any materials or information through any means not intentionally    
           made available through our website;

    e)    to impersonate any person or entity;

    f)    to submit through any online form or otherwise make available any content that you do not have a right to make available under any law or which infringes any patent,         
          trademark, trade secret, copyright or other proprietary rights of any party; or

    g)   to submit through any online form or otherwise make available any content that you do not have a right to make available under any law or which infringes any patent,       
          trademark, trade secret, copyright or other proprietary rights of any party; or

14. Termination and Modification of Service

We may in our sole discretion immediately suspend, terminate or limit your access to the website and our Information if we deem that you are in breach of the Terms of Use or our Privacy Policy.

We will notify you of such suspension, termination or limitation by email within five (5) business days. You agree that we will not be liable to you or any third-party for any termination of your access to the website and Information.

We reserve the right at any time and from time to time to modify or discontinue, temporarily or permanently, the website (or any part thereof) and Information with or without notice.

15. Changes to these Terms of Use

This statement sets out our current Terms of Use. It replaces any other Terms of Use which we have previously issued.

We may amend these Terms of Use at any time. If we do, we will publish the amended version on our website (https://www.saverasia.com). By accepting these Terms of Use, you agree that our publishing of an amended version will be sufficient notice of any changes and that your subsequent access to, viewing, reliance on or other use of our website will constitute your acceptance of those amendments.

Changes to the fee schedule will take effect 30 days after this change is published on our website.

We suggest you periodically review our Terms of Use for any changes.

All information on the website and provided with the Information is subject to change without notice.

16. Contacting Us

If you have any questions regarding these Terms of Use please contact us at https://www.saverasia.com