We're always happy to help! Call us on Forgotten your username or password? The following terms and conditions apply to individuals who are transacting privatelyas a sole proprietor of a business, as a trustee of a trust or as a partner of a partnership. If you are representing a company, you will need to enter into a Corporate Client Agreement. You should not indicate your agreement to these terms and conditions until you have read them fully, are satisfied that you understand them and are happy with what they say. The specific details of each individual Transaction will be agreed separately at such time as you book those Transactions; they will constitute separate agreements in their own right but will incorporate these terms and conditions. We offer Spot Contracts to be settled within 2 days and Forward Contracts to be settled between 2 days and 12 monthsthe details and mechanics of which are explained in our PDS. You should read the PDS before entering into this agreement, so that you understand exactly how our service operates. When you enter into a Transaction, you must deliver to us the full amount of the funds you are transferring on or before the Delivery Date. To the extent that we provide you with any advice, it will relate only to the mechanics of the transaction you are proposing to enter into or to publicly available information. You must obtain your own financial advice and make your own assessment as to whether our service is appropriate for your particular requirements. You must select the type and timing of each Transaction you enter into yourself. It is your responsibility to ensure the security of your username and password. We will rely on any Instructions received pursuant to the use of the username and password without checking the identity of the user and you will at all times be bound by those Instructions. You must give us at least 48 hours written notice of your intention to withdraw your authority for that agent and the authority is only cancelled at the end of that 48 hour period or at such later time as you specify in your notice. Therefore, we always reserve the right to refuse to accept your Instructions and to do so without giving you any reasons and without incurring any liability to you for any resultant loss or damages incurred by you or any other party. The Transaction will be legally binding on you when we receive your Instructions in accordance with this paragraph 4 or paragraph 5. We will provide you with confirmation of the Transaction Details on the screen at the time you book the Transaction, but we will not provide you with any subsequent confirmation of any kind unless you request it. The Transaction will be legally binding on you at the conclusion of the telephone call. If we cannot contact you by telephone on the number you have given to us within 15 minutes, we reserve the right to cancel the booking and not enter into the Transaction. You acknowledge that, if you choose to book a transaction by email, it may not be processed immediately. When we process your Instructions, we will send you an email headed "Deal Confirmation". The Deal Confirmation constitutes an error correction mechanism only; if you do not contact us within 24 hours of receipt of the Deal Confirmation, the Transaction details will be deemed to be correct. We will send you an email headed "Deal Confirmation". The Deal Confirmation constitutes an error correction mechanism only. If there is any discrepancy between the Deal Confirmation and the details of the Transaction that have already been agreed in the telephone conversation, you must contact us within 24 hours of receipt of the Deal Confirmation, failing which the Transaction details in the Deal Confirmation will be deemed to be correct. We record all such telephone calls and in the event of any dispute, the transcript of our telephone conversation may be used as evidence as to the terms of the agreement that was entered into. You may only take action to correct any of the Transaction details set out in the Deal Confirmation if the Deal Confirmation does not reflect the transaction details that have already been agreed. You must notify us as soon as the mistake comes to your attention and we will requote the Rate as soon as possible. We reserve the right to requote the Rate if you do not provide us with requested information or funds on time. After the telephone call, we will send you a document entitled Deal Confirmation. In the event of any dispute, the transcript of our telephone conversation may be used as evidence as to the terms of the agreement that was entered into. We may request an Advance Payment both at the time you book the Forward Contract and at any time prior to the Maturity Date. The amount of any Advance Payments requested will be a fixed percentage of the value of the Transaction. For further details on the method of calculating Advance Payments, please see clause 6. If you do not do so, we reserve the right to Close Out the Forward Contract in accordance with paragraph 9. You acknowledge that we may agree to such a request entirely at our discretion. If we agree, you acknowledge that the Rate will be adjusted to account for the timing of the new settlement date. If we have not received the funds within 2 Business Days, we reserve the right to Close Out the Transaction in accordance with paragraph 9. If we have not received the funds by the Maturity Date or any agreed change to the maturity datewe reserve the right to Close Out the Transaction in accordance with paragraph 9. You agree to make all payments to our account electronically and you acknowledge that we will transmit your funds by electronic means only. If you fail to do so, we reserve the right to Close Out the Transaction in accordance with paragraph 9. In the event that we agree to make a payment for you without having received the full amount, you acknowledge that we are not waiving our right to ask you for the full amount after the Transaction has been processed. You will need to book a new Transaction. Subject to your right to cancel the Order in accordance with clause 8. After we receive your Instructions, we will send you an Order Confirmation. The Order Confirmation constitutes an error correction mechanism only; if you do not contact us immediately on receipt of the Order Confirmation, the Transaction details will be deemed to be correct. You may not cancel an Order after the Target Login has been reached, whether or not we have notified you that the Target Rate has been reached. When the Target Rate is reached, you are legally bound by the Transaction. This will occur when the rate you have nominated has been exceeded by an amount that includes our Margin. You may find that, in some cases, the exchange rate spikes with the result that the exchange rate you have nominated in your Order has been reached but has changed before we are able to fill the Order with our provider; for the avoidance of doubt, we will not fill your Order in those circumstances. As soon as you receive our notification, you must take action to ensure that the funds reach our account by the Delivery Date. If we do not receive the funds in time, we reserve our right to Close Out the Transaction in accordance with paragraph 9. If the value of the currency you have asked us to exchange has strengthened, a loss will be incurred on the Transaction and you will be liable to pay us the amount of that loss, together with any expenses, premiums, commissions or other fees incurred by us. If the amount we are seeking to recover exceeds the amount of any Advance Payment or other funds held by us, you agree to pay the balance within 7 days of being notified by us of the total amount due. Interest will accrue and will be calculated daily and be compounded monthly from the date payment was due until the date full payment is made by you. Our complaints officer will attempt to resolve the dispute to your satisfaction as quickly as possible. You agree to accept the determination of the arbitrator. In particular, you acknowledge that we operate an online dealing platform that could be subject to technical, or other, problems, the nature and duration of which may be beyond our control. Our service also involves the use of intermediaries who are outside our control. Accordingly, while we do everything in our power to ensure the timely transmission of funds, we cannot guarantee that transfers of funds will always be made on time and cannot accept any liability to you for any loss suffered by you as a result of any delays in the transmission of funds. We will not be liable to you for any form of consequential damages or loss that you may suffer as a result of:. Without in any way limiting the effect of this paragraph or any other paragraph of this agreement, "consequential damages" shall be taken to include damages arising from:. This includes any legal costs that we may incur in order to enforce our rights or recover any amounts you owe us. You also agree to indemnify us for any fees, costs, duties and taxes charged by third parties in relation to the Transactions you enter into, including fees charged by your beneficiary bank, whether or not those fees or charges were notified to you in advance. Sometimes there may be a reason why access will not be possible. If that is the case, you will be told why. We may also provide your information to any partners, agents or intermediaries who are a necessary part of the provision of our products and services. In particular, you agree that we may obtain, use and retain information about you that we have obtained from any business that provides information about the credit worthiness of individuals, including a consumer credit report from a credit reporting agency. In doing so, we may give information about ozforex to a credit reporting agency for the purpose of obtaining a consumer credit report about you and allowing the credit reporting agency to create or maintain a credit information file containing information about you. The information ozforex be limited to your identity particulars, including your name, sex, address and the previous two addressesdate of birth, name of employer, and drivers license number, as well as the fact that you have made an application for credit to us. You must tell us if any of your personal details change as soon as practicable. Proof of posting will be proof of receipt; in the case of facsimile or email on the day of dispatch, in the case of delivery by post 48 hours from the date of posting. Documents shall be sent to the last known postal address, email address or fax number you have given to us. If they change, you must notify us as soon as possible. This will not affect any rights or obligations you already have, but you will be bound by the new terms when you enter into subsequent Transactions. Advance Payment means a payment of part of the sum that is due us on the Maturity Date. Agent Appointment Form means a form that we will give you to enable you to appoint somebody else to transact with us on your behalf. Auto-Confirm Transaction means a Transaction that has been booked online and has been processed by us automatically with no telephone call or other communication being entered into. Beneficiary Account login the account to which you are sending your funds. Business Day means a day other than a Saturday, Sunday login public holiday on which banks are open for business in Sydney. Close Out means reversing a Transaction in the circumstances set out in Clause 9 or otherwise pursuant to this Agreement. Delivery Date means the date we have requested that you deliver your funds to our nominated account for transmission. Forward Contract means a foreign exchange contract under which we agree to exchange money at an agreed exchange rate and at an agreed time which is between 48 hours and 12 months from the time of the contract being entered into. Margin means the difference between the retail exchange rate we quote to you and the whole exchange rate we obtain from our provider. Maturity Date means, in relation to a Forward Contract, the date on which the currency exchange is to be made by the Company and includes any agreed variation to the original date, being either an earlier or a later date. Order Confirmation means the notification we send you confirming the details of the Order you have entered into with us. Order means an instruction pursuant to which we will enter into a Spot or Forward Transaction for you only at an exchange rate nominated by you. Rate means the foreign currency exchange rate that we quote you for a Transaction. Spot Contract means a foreign exchange contract under which we agree to exchange money at an agreed rate within 48 hours of the contract being entered into. Target Rate means the rate at which an Order is triggered, being the exchange rate nominated by you in your Order plus our Margin and shall be contingent on our ability to fill the Order with our own provider. Transaction means a Spot Contract, a Forward Contract or an Order, and shall be taken to refer to a series of transactions pursuant to standing instructions given by you. The specific transactional details of each Transaction, including the currencies to be exchanged and the amount ozforex the transaction, will be agreed separately when you book the Transactions; they will constitute separate agreements in their own right, but will incorporate these terms and conditions. We offer Spot Contracts, Forward Contracts and Options, the details and mechanics of which are explained in our PDS. You should read our PDS before signing this agreement so that you understand exactly how our service operates. You must be the owner of any funds that are the subject of a Transaction. An Authorised Signatory may have unlimited authority to give us Instructions on your behalf or you may specify the stages of a Transaction they are authorised to undertake. If you wish to change the Authorised Signatories, you may do so by completing a Change of Authorised Signatory Form or otherwise notifying us in writing. We will accept any Instructions received pursuant to the use of the Username and Password without checking the identity of the user or their level of authorisation and you will at all times be bound by those Instructions. We will provide you with confirmation of the Transaction Details on the screen at the time you book the Transaction, but we will not provide you with any subsequent confirmation of any kind, unless you request it. If we cannot contact you by telephone on the number you have given to us within 15 minutes of your booking, we reserve the right to cancel the booking and not enter into the Transaction. You acknowledge that, if you choose to book a Transaction by email, it may not be processed immediately. If there is any discrepancy between the Deal Confirmation and the details of the Transaction set out in your email, you must contact us within 24 hours of receipt of the Deal Confirmation, failing which the Transaction details in the Deal Confirmation will be deemed to be correct. In the event of any dispute, the recording or transcript of our telephone conversation may be used as evidence as to the terms of the agreement that was entered into. After the telephone call, we will send you a Deal Confirmation. If you do not receive the Deal Confirmation, the Transaction is still legally binding and will be evidenced by the transcript of the telephone conversation in which it was booked. You ozforex that the amount of any Advance Payments requested will be determined by us in our discretion and that we may request an Advance Payment even if we have entered into a credit limit arrangement with you. If we agree, you acknowledge that the Rate will be adjusted to account for the timing of the new Delivery Date. If we have not received the funds within 2 business days, we reserve the right to Close Out the Transaction in accordance with paragraph 9. If we have not received the funds by the Maturity Date or any agreed change to the Maturity Datewe reserve the right to Close Out the Transaction in accordance with paragraph 9. The Option Agreement will become legally binding as and from the time that the Option Transaction details are orally agreed between us in the telephone call. After the telephone call, we will send you an Option Agreement Confirmation. The Option Agreement Confirmation constitutes an error correction mechanism only; if you do not contact us within 24 hours of receipt of the Option Agreement Confirmation, the details of the Option Agreement will be deemed to be correct. If you do not receive the Option Agreement Confirmation, the Transaction is still legally binding and will be evidenced by the transcript of the telephone conversation in which it was booked. In the event that we do terminate the Option Agreement, the Premium ozforex payable by you as a debt. It does not relate to the underlying foreign exchange transaction that will be entered into if the Option is Exercised and will not be applied in reduction of the settlement sum payable under any such foreign exchange transaction. In particular, you must immediately provide us with details of your Beneficiary Account and deliver to us in full the funds you are transferring within 48 hours of Exercising the Option. This includes any legal costs, on a solicitor and own client basis, that we may incur in order to enforce our rights or recover any amounts you owe login. The Client warrants that it has given you a copy of this paragraph You must tell us if any details change as soon as practicable. Authorise means authorise the stage of a Transaction when we transmit your funds from our account to your to your nominated beneficiary account. Authorised Representative means an individual who is a director or officer authorised to execute this Agreement or an Authorised Signatory. Authorised Signatory means an individual appointed and authorised by you to provide Instructions to us on your behalf. Booking means booking a Transaction by providing us with all of the relevant Transaction details. Deal Confirmation means a written communication, however described, provided by us confirming the details of any Transaction that you have booked by telephone, email or online, which shall be an error correction mechanism only. Delivery Date means the date on which we have requested that you deliver your funds to our account for transmission. Expiry Date means the date on which an Option must be Exercised, failing which it will expire. Instructions means a request made by you to enter into a Transaction and shall be taken to include any information, communications or documents incidental to or relating to a Transaction whether we process the Transaction or not. Maturity Date means, in relation to a Forward Contract, the date on which the currency exchange is to be made by us and includes any agreed variation to the original date, being either an earlier or a later date. Option or Option Agreement means an agreement pursuant to which you have the right but not the obligation to enter into a specified foreign currency transaction on the Expiry Date. Option Agreement Confirmation means the written notification that we send you after you enter into an Option Agreement confirming the details of the agreement we have reached by telephone. OzForex means OzForex Pty Ltd ACN: Payment means payment by you to us of funds for transmission. Premium means the fee non-refundable fee payable under the Option Agreement. Retail Client has the meaning given in sG of the Corporations Act Cth. View Deals means viewing all pending and completed transactions on our website. You are using Internet Explorer 10 and you are going to be redirected to a page that does not support Internet Explorer You will need to change you browser's compatibility mode as per the following link. The ING DIRECT International Transfers "IT" service is provided by OzForex Limited, ABN 65trading as "OFX" Australian Financial Services Licence No. Any reference on this page to "ING DIRECT International Transfers", "we", "us", or "our" is a reference to OFX. Where information is provided on this website, it has been prepared by OFX without considering the investment objectives, financial situation and particular needs of any person. Before acting on any general advice on this website, you should consider its appropriateness to your circumstances. To the extent permitted by law, OFX makes no warranty as to the accuracy or suitability of this information and accepts no responsibility for errors or misstatements, negligent or otherwise. Login quotes given are indicative only. The information may be based on assumptions or market conditions and may change without notice. No part of the information is to be construed as solicitation to make a financial investment. If you use the IT service, OFX will pay ING DIRECT a referral fee. These benefits may be based on a percentage of OFX's fees and margins in relation to transactions you conduct using the IT service. OFX is not an authorised deposit-taking institution for the purposes of the Banking Act Commonwealth of Australiaand their obligations do not represent deposits of ING Bank Australia Limited ABN 24 ING Bank does not guarantee or otherwise provide assurance in respect of the obligations of OFX. Login Login Register FREE. We're here to help! You need to have cookies enabled in your browser to access the secure pages of the ING DIRECT International Transfers site. You can enable cookies in the browser settings. Login for Money Transfers Username: We will not be liable to you for any form of consequential damages or loss that you may suffer as a result of: Without in any way limiting the effect of this paragraph or any other paragraph of this agreement, "consequential damages" shall be taken to include damages arising from: For the avoidance of doubt and without limiting any other provision of this Agreement: Instructions means a request made by you to enter into a Transaction. Websites means any websites owned by us including but not limited to: Exercise means exercise or take up an Option. Internet Explorer 10 You are using Internet Explorer 10 and you are going to be redirected to a page that does not support Internet Explorer Continue to the Travel Card page Close this window.
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