Terms & Conditions

1. Introduction

Welcome to Freedom Pacific, a financial service platform that provides currency exchange, remittance, and related financial solutions for users across the Pacific region.

By accessing or using our website, mobile app, or any of our services (“Services”), you agree to comply with these Terms and Conditions (“Terms”). Please read them carefully before using our Services.

2. Contracting Entity

The Services described in these Terms are provided by Supay Pacific Australia Pty Limited, which is the legal contracting entity for the Freedom Pacific / PacRemit platform.

Supay Pacific Australia Pty Limited is the licensed provider responsible for operating the Services in Australia under Licence No. AAN 100817830.

3. Eligibility

You must be at least 18 years old and capable of entering into legally binding agreements to use our Services. By using our Services, you confirm that the information you provide is accurate, complete, and up to date.

4. Services Provided

Freedom Pacific offers:

• International remittance and money transfer services.
• Foreign currency exchange.
• Promotional offers and partner services within the Pacific region.

We reserve the right to update, modify, suspend, or discontinue any Service at our sole discretion, subject to applicable laws and regulatory requirements.

5. User Responsibilities

You agree to:

• Provide accurate and up-to-date information during registration and transactions.
• Use the Services only for lawful purposes.
• Maintain the confidentiality of your account credentials.
• Notify us immediately if you suspect unauthorized access to your account.

Freedom Pacific and Supay Pacific Australia Pty Limited are not responsible for losses arising from unauthorized account access caused by your negligence or failure to protect your account credentials.

6. Fees and Exchange Rates

All applicable fees and exchange rates will be displayed before confirmation of a transaction.

Exchange rates are subject to market fluctuations and may change at any time without prior notice.

Freedom Pacific may, from time to time, offer fee waivers, cashback promotions, or other promotional offers under specific terms.

7. Prohibited Activities

You must not use our Services to:

• Engage in money laundering, terrorism financing, fraud, or other illegal activities.
• Provide false, misleading, or incomplete information.
• Use another person’s identity or payment instrument without authorization.
• Attempt to hack, reverse-engineer, disrupt, or interfere with our systems.
• Conduct transactions that violate applicable sanctions, laws, or regulatory requirements.

Any violation may result in immediate suspension or termination of your account and may be reported to relevant authorities where required by law.

8. Liability and Disclaimers

Freedom Pacific strives to ensure secure and reliable transactions. However, we do not guarantee uninterrupted, error-free, or delay-free operation of the Services.

To the extent permitted by law, we are not liable for indirect, incidental, special, or consequential losses, including losses resulting from currency fluctuations, third-party delays, system outages, banking network issues, or incorrect information provided by users.

9. Privacy and Data Protection

Your personal data will be collected and processed according to our Privacy Policy, which complies with applicable privacy regulations in Australia, New Zealand, and other relevant jurisdictions in the Pacific region.

By using our Services, you consent to the collection, use, storage, and processing of your information as outlined in the Privacy Policy.

10. Suspension or Termination

We may suspend or terminate your account without prior notice if we reasonably suspect unauthorized use, fraud, breach of these Terms, regulatory non-compliance, or any activity that may expose us or our partners to legal, financial, or reputational risk.

You may close your account at any time by contacting our support team, provided all pending transactions, fees, and obligations are settled.

11. Changes to Terms

Freedom Pacific reserves the right to modify these Terms at any time. Updated versions will be posted on our website or app with the revised date. Continued use of our Services after updates constitutes acceptance of the updated Terms.

12. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Commonwealth of Australia.

Any disputes arising from or in connection with these Terms or the use of our Services shall be subject to the jurisdiction of the relevant Australian State courts or Commonwealth courts, as applicable.

13. Contact Information

If you have any questions or concerns regarding these Terms, please contact us at:

Freedom Pacific Support
Email: info@freedompacific.com.au