These terms and conditions govern your use of the website and all services ("Services") provided by Supa Magontong Group Pty. Limited ("Supa Magontong Group Pty. Limited", "us", "we", or "our"). By accessing this website or utilizing any of the Services, you agree to comply with these terms and conditions. The term "Services" encompasses any access to Supa Magontong Group Pty. Limited Service application(s) available via internet/web access, mobile and smartphones, tablets, or any other technology facilitating access to the Service, existing now or in the future.

A SMG Money (www.smg.money) Money Transfer customers (the "Sender") can send funds to a designated receiver (the "Receiver") worldwide where SMG Money. (www.smg.money) offers its services over the Internet (the "Service"). Money Transfers are generally facilitated through bank transfers, with certain services, transfers, or destinations subject to specific conditions and potential delays. SMG Money. (www.smg.money) reserves the right to limit the principal amount, decline transfers violating applicable law or its policies, and provide updated service conditions upon request.

As required by law, money transfers sent or received in Australia will be reported to authorities. SMG Money. (www.smg.money) may request information from you to verify identity, authorize Payment Methods, or complete transactions. Refer to Supa Magontong Group Pty. Limited. ("www.supamagontonggroup.com")'s Online Privacy Statement for details on personal information use.

These terms of service ("Terms", "Agreement") constitute an agreement between Supa Magontong Group Pty. Limited - SMG Money. ("us", "we", or "our") and you ("User", "you", or "your"). They apply to your use of the www.smg.money website and its products or services (collectively, "Website" or "Services").
If you disagree with these terms and conditions, please refrain from signing up or using this Service.

Transfer Fees: By using the Service, you agree to pay Supa Magontong Group Pty. Limited - SMG Money (www.smg.money) a Transfer Fee for each Money Transfer initiated. The applicable fee will be provided before final authorization, along with fees for additional services.
Currency Exchange: Payments are made in the destination country's currency. In addition to transfer fees, a currency exchange rate set by Supa Magontong Group Pty. Limited - SMG Money. (www.smg.money) is applied. Any rate difference is retained by Supa Magontong Group Pty. Limited - SMG Money. (www.smg.money) in addition to Transfer Fees. Refunds follow the applicable exchange rate at the time of reconversion into Australian Dollars. Payment: Transfer fees and the principal amount are due before processing. Payment is made with the designated Payment Method. Failure to receive authorization may result in non-processing, with no liability for damages incurred.

Refunds of Principal Amount: Upon written request before Receiver payment, refunds will be processed within 10 working days.
Transmissions and Services fees are NOT refundable under any circumstances.

Account creation makes you responsible for its security. Notify us of unauthorized account activities promptly. We may suspend or delete accounts violating this Agreement.

This Agreement does not transfer any Supa Magontong Group Pty. Limited - SMG Money or third-party intellectual property to you. All trademarks, service marks, graphics, and logos remain the property of Supa Magontong Group Pty. Limited or its licensors.

The Service is provided "as is" and "as available." We disclaim all warranties, express or implied, including but not limited to merchantability and fitness for a particular purpose. We do not guarantee uninterrupted, secure, or error-free service.

To the fullest extent permitted by law, Supa Magontong Group Pty. Limited - SMG Money, its affiliates, officers, directors, employees, agents, suppliers, or licensors are not liable for any indirect, incidental, or consequential damages. Liability is limited to the greater of one dollar or amounts paid to Supa Magontong Group Pty. Limited within the prior one-month period. Supa Magontong Group Pty. Limited and its agents reserve the right to decline or refuse any money transfer violating applicable law or company policy.

You agree to indemnify and hold Supa Magontong Group Pty. Limited - SMG Money and its affiliates, directors, officers, employees, and agents are harmed by any liabilities, losses, damages, or costs arising from third-party claims related to your Content, use of the Website or Services, or any wilful misconduct.

If any provision is deemed illegal or unenforceable, the remaining provisions shall remain in full force and effect. All rights and restrictions comply with applicable laws.

You may not assign rights or obligations without prior written consent. We may freely assign rights or obligations to a third party.

We reserve the right to modify this Agreement at any time. Continued use after changes constitute consent.

By using the Website or Services, you acknowledge and agree to these terms and conditions.
If you disagree, refrain from using the Website and its Services.

For any questions about this Policy, please contact us:
Phone: +61 449 194 895
Email: info@supa.asia

Effective Date: 10th March 2024

Welcome to the privacy policy ("Policy") of Supa Magontong Group Pty. Limited. ("Supa Magontong Group Pty. Limited - SMG Money.",", "we" or "our"). This Policy outlines how we collect, protect, and utilize personally identifiable information ("Personal Information") provided by you ("User", "you" or "you are") through the https://www.supa.asia - smg.money website and its products or services (collectively, "Website" or "Services"). It details your choices concerning the use of your personal information, access, and updating procedures. Please note that this Policy does not apply to entities not owned or controlled by us or individuals not employed or managed by us.
We may modify this privacy statement to reflect changes in our information practices. If any material changes occur, we will notify you through email (sent to the email address specified in your account) or by a notice on this Site before the changes take effect. We encourage you to periodically review this page for the latest information on our privacy practices.

When you initiate the online registration process for a transaction with SMG Money, we request certain personal information, such as your name, date of birth, email address, physical address, driver’s license number, Social Security Number, passport, and financial or banking account information. We strive to limit the amount and type of information collected to that necessary for everyday business operations and service provision. If you choose to add a beneficiary on our website, we will ask for your beneficiary’s name, email address, financial information (bank details), and physical address.

Supa Magontong Group Pty. Limited - SMG Money collects personal information to effectively provide services to you, including processing currency exchange money transfers, verifying your identity, managing fraud and security risks, responding to inquiries and technical support requests, and complying with legal and regulatory requirements. If we need to use your information for any other purpose, we will inform you. We may also use your information to communicate special offers, new products or features, or invite you to participate in surveys or opinion-gathering devices. If you wish to opt out of such communications, you may do so by contacting us at info@supa.asia

You can access, add to, update, and delete certain Personal Information about you. The information you can view, update, and delete may change as the Website or Services evolve. When you update information, we may maintain a copy of the unrevised information in our records. We retain your information for as long as your account is active or as needed to provide you with services. Some information may remain in our private records after you delete such information from your account. We use aggregated data derived from or incorporating your Personal Information after updates or deletions, but not in a way that would personally identify you.

We do not knowingly collect personal information from children under the age of 18. If you are under 18, please do not submit any personal information through our Website or Service. We encourage parents and legal guardians to monitor their children's Internet usage and enforce this Policy by instructing their children not to provide personal information through our Website or Service without permission. If you believe a child under 13 has provided personal information to us, please contact us.

You may voluntarily subscribe to electronic newsletters at any time. To stop receiving newsletters or marketing emails, follow the unsubscribe instructions in these emails or contact us. However, essential transactional emails will continue.

Our Website uses "cookies" to personalize your online experience. Cookies are text files placed on your hard disk by a web page server. They cannot run programs or deliver viruses. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie. We may use cookies for statistical purposes to operate our Website and Services. Most web browsers accept cookies automatically, but you can modify your browser settings to decline cookies.

We may display online advertisements and share aggregated, non-identifying customer information collected through registration or online surveys with certain advertisers. Personally identifiable information is not shared with advertisers. In some instances, we may use this aggregated information to deliver tailored advertisements.

We may disclose information to our affiliates to offer you related or additional products and services. Information provided to affiliates will be treated according to this Privacy Policy.

Our Website may contain links to websites not owned or controlled by us. We are not responsible for their privacy practices. Please read the privacy statements of each website collecting personal information.

We secure information on controlled servers protected from unauthorized access. Reasonable administrative, technical, and physical safeguards are maintained to protect personal information from unauthorized access, use, modification, and disclosure. However, no data transmission over the Internet or wireless network is guaranteed. While we strive to protect your information, you acknowledge the security and privacy limitations of the Internet.

In the event of a security compromise or disclosure of user Personal Information due to external activity, we reserve the right to take appropriate measures, including investigation, reporting, and cooperation with law enforcement authorities. We will make reasonable efforts to notify affected individuals of data breaches if there is a reasonable risk of harm or as required by law.

We will disclose information if required or permitted by law, such as complying with a subpoena or similar legal process. We may disclose information in good faith to protect our rights, your safety or others, investigate fraud, or respond to a government request. During a business transition, your user account and personal data may be among the assets transferred.

We may modify this privacy policy relating to the Website or Services at any time. Email notifications will be sent for significant changes. Your continued use of the Website after any changes constitutes your consent.

By using the Website or Services, you acknowledge and agree to this Policy. If you disagree, do not access or use the Website and its Services.

If you have questions about this Policy, please contact us: