Effective Date: 21 June 2026
Welcome to NAQL PTY LTD. By using our website, services, or submitting a money transfer request, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with these Terms and Conditions, you must not use our services.
NAQL PTY LTD provides international money transfer services to approved destinations including Iraq and Lebanon. All services are subject to Australian laws, regulatory requirements, and internal compliance procedures.
To use our services, customers may be required to complete identity verification procedures and provide personal information, identification documents, proof of address, proof of income, source of funds information, employment details, or any additional information reasonably requested by NAQL PTY LTD. We reserve the right to refuse, delay, suspend, or cancel any transaction where sufficient information is not provided or where we are unable to satisfy our compliance obligations.
All customers acknowledge that NAQL PTY LTD operates under strict anti-money laundering and counter-terrorism financing requirements. Transactions may be monitored, reviewed, recorded, and reported to government agencies and regulatory authorities, including AUSTRAC, where required by law. Customers agree to provide any information requested by NAQL PTY LTD for compliance, verification, or reporting purposes.
Exchange rates displayed, quoted, advertised, or discussed by our staff are indicative only and may change at any time without notice. NAQL PTY LTD does not guarantee or reserve exchange rates until full cleared payment has been received and accepted. Customers acknowledge that exchange rates may fluctuate between the time of enquiry and the time payment is received.
All fees charged by NAQL PTY LTD are payable by the customer and are non-refundable once a transaction has been accepted for processing. Customers acknowledge that service fees compensate NAQL PTY LTD for administrative, compliance, operational, and transaction processing costs. Any applicable fee remains payable regardless of whether a customer later changes their mind regarding the transaction.
Once funds have been sent, disbursed, deposited, transferred, paid to a recipient, released to a payout partner, or otherwise processed by NAQL PTY LTD, the transaction cannot be cancelled, reversed, recalled, or refunded. Customers are solely responsible for ensuring that recipient names, bank account details, contact information, and payment instructions are accurate before authorising a transfer.
Cash pickup transactions may only be cancelled where the funds have not yet been collected by the recipient and where cancellation remains operationally possible. Approval of any cancellation request remains entirely at the discretion of NAQL PTY LTD and may be subject to administrative fees, exchange rate adjustments, or third-party charges.
NAQL PTY LTD shall not be responsible for delays caused by banks, financial institutions, payment networks, correspondent banks, government agencies, regulators, sanctions programs, compliance reviews, technical failures, telecommunications interruptions, natural disasters, civil unrest, public holidays, recipient unavailability, inaccurate customer information, or any circumstance beyond our reasonable control.
While we aim to process transactions promptly, delivery timeframes are estimates only and are not guaranteed. Customers acknowledge that additional verification, compliance reviews, banking procedures, or government requirements may delay a transaction without prior notice.
Customers must not use NAQL PTY LTD services for any unlawful purpose. Services must not be used to facilitate money laundering, terrorism financing, fraud, scams, criminal activity, sanctions violations, tax evasion, or any activity prohibited under Australian law or the laws of the destination country. NAQL PTY LTD reserves the right to refuse any transaction that it considers suspicious, unusual, high risk, or inconsistent with the information provided by the customer.
Customers acknowledge that NAQL PTY LTD may request additional information relating to the source of funds used for a transaction. This may include bank statements, payslips, employment records, invoices, contracts of sale, taxation records, or other supporting documentation. Failure to provide requested information may result in delays, refusal of service, cancellation of pending transactions, or reporting to relevant authorities where required by law.
NAQL PTY LTD takes reasonable measures to protect customer information and maintain the confidentiality of personal data. Personal information collected may include names, addresses, contact details, identification documents, banking information, transaction history, employment information, and compliance-related records.
Customer information will be retained for a minimum period of five (5) years or for any longer period required by applicable laws, regulations, court orders, regulatory requirements, or compliance obligations. Information will not be sold, rented, or disclosed to third parties except where required for transaction processing, compliance purposes, fraud prevention, law enforcement investigations, regulatory reporting, court proceedings, or where disclosure is otherwise required or authorised by law.
NAQL PTY LTD may share information with government agencies, regulators, law enforcement authorities, financial institutions, compliance service providers, and payment partners where reasonably necessary to provide services, satisfy legal obligations, prevent fraud, or protect the integrity of the financial system.
Customers are responsible for maintaining the security of their account credentials and any information used to access our website or services. NAQL PTY LTD shall not be liable for losses resulting from unauthorised access caused by customer negligence, disclosure of login details, compromised devices, phishing attacks, or other circumstances beyond our reasonable control.
To the maximum extent permitted by law, NAQL PTY LTD excludes all liability for indirect, incidental, special, punitive, or consequential loss arising from the use of our services. Our total liability for any claim relating to a transaction shall not exceed the amount of fees paid by the customer in connection with that transaction, except where liability cannot be excluded under Australian law.
NAQL PTY LTD reserves the right to amend, modify, suspend, or discontinue any part of its services at any time without prior notice. We may update these Terms and Conditions from time to time, and continued use of our services constitutes acceptance of any revised Terms and Conditions.
These Terms and Conditions shall be governed by and construed in accordance with the laws of Australia and the laws of the State of Victoria. Any dispute arising from or relating to these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of Victoria, Australia.
By using NAQL PTY LTD services, the customer confirms that they have read, understood, and accepted these Terms and Conditions in full.