Terms and Conditions 

By using the services of Sarafi Qasemi, including money transfer, currency exchange, and related financial offerings, you agree to our Terms and Conditions, which comply with Australian law, including regulations set by AUSTRAC and ASIC. You must be at least 18 years old to use our services independently; individuals under 18 may only access our services with the presence and consent of a legal parent or guardian. We require accurate identification under Know Your Customer (KYC) obligations and reserve the right to verify your identity, reject or cancel transactions, and report suspicious activity. Fees and exchange rates are disclosed prior to transaction confirmation and are subject to market fluctuations; once confirmed, transactions are generally non-refundable unless undeliverable. Sarafi Qasemi is not liable for delays, losses from incorrect information, external banking errors, or exchange rate changes, and our liability is limited to the transaction value. Your data is handled in accordance with our Privacy Policy and the Privacy Act 1988 (Cth) and may be shared with regulators for compliance. We may suspend or terminate services if these terms are breached or if illegal or suspicious activity is detected. These Terms and Conditions may be revised and updated at any time at our discretion, with changes becoming effective immediately upon posting to our website. Continued use of the Site after such changes constitutes your acceptance of the revised terms, and we kindly advise you to keep reviewing this page periodically to stay informed. While we strive to keep all information on the Site accurate and current, some content may occasionally become outdated or contain unintentional errors. We are not liable for any unintended error or outdated content.

Refund Policy
Refunds for cancelled transactions are subject to the status of the funds and the stage of the transfer process at the time of your request. If a cancellation request is received after we have received your funds but before the transfer has been initiated, we will, where applicable, refund the full amount to your original payment method once the funds have cleared. If the transaction has already been initiated, we will attempt to recover the funds by contacting the relevant payment service provider. Should the funds be successfully returned to us, we will issue a refund to your original payment method in Australian dollars. Refunds cannot be issued if the recipient has already received the funds via cash pickup, home delivery, or bank deposit. We may need to verify the transaction status with our payment partners before processing any refund.

Dispute Policy
We are committed to providing a secure and reliable remittance service. If you believe there has been an error, or issue with a transfer you have made, please contact us as soon as possible. Disputes should be raised within 30 days of the transaction date to ensure we can investigate thoroughly. When submitting a dispute, include your transaction reference number and a clear description of the issue. Our team will carefully review your request and may ask for supporting information or documentation. We will also liaise with our payment service providers and any other relevant parties as needed. Throughout the process, we will keep you informed and work to resolve the matter fairly and efficiently. Please note that we may be unable to assist with disputes where the funds have already been collected or deposited by the recipient. 

To raise a dispute, please contact us at support@sarafiqasemi.com.