Terms and Conditions

Online Reload Ordering Terms and Conditions

Who We Are
This online reload service (the “Service”) is provided by Ian Spight Pty Ltd trading as “The Currency Exchange” (ABN 78 096 644 094) referred to as “The Currency Exchange” or “we” or “us” or “our”. Our Registered Office is at: Shop N122, Wollongong Central, 200 Crown St, Wollongong NSW 2500 Australia. You can also contact us via email paul@thecurrencyexchange.com.au or via telephone on 02 4226 6926
The Currency Exchange is an agent of MasterCard for the purposes of selling its “Cash Passport” Product. MasterCard Prepaid Australia Pty Ltd (ABN 47 145 452 044, AFSL 386 837) arranges for the issue of the Multi-currency Cash Passport in conjunction with the issuer, Heritage Bank Ltd (ABN 32 087 652 024, AFSL 240 984). You should consider the Product Disclosure Statement (PDS) and Financial Services Guide (FSG) for the relevant Cash Passport before deciding to acquire the product. Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if it is appropriate for you. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
What These Terms Apply To
These terms and conditions apply to the Service – which consists of an online reload  facility for: Reloading Cash Passport ATM Cards (MasterCard), Cash Passport Debit Cards (POS and ATM 
enabled)(MasterCard) and Cash passport MasterCard Prepaid Currency Cards (POS and ATM enabled) 
(collectively referred to as the “Cash Passport Card(s)”)
Use of the Service
The Service is only available to individuals aged 18 years or over and who are resident in Australia. The Service may only be used to reload a Cash Passport Card for holiday or business travel and not for speculative, investment or any other purposes. By reloading a Cash Passport Card from us via this site, you confirm that you have read and understood these terms and conditions and agree to be bound by them and to comply with all applicable laws and regulations. The Currency Exchange reserves the right to refuse this Service to any person found to be acting outside these terms and conditions. The Service is only available for the purchase or reload of a Cash Passport Cards in the currencies listed and available from time to time on our website www.thecurrencyexchange.com.au .
All online reloads orders are subject to a minimum aggregate value of AUD150.00 and a maximum aggregate value of AUD100,000.00. Availability of the Service may also be subject to further monetary limits, currency exchange restrictions and customers abiding by these terms and conditions. These limits are subject to change from time to time at The Currency Exchange’s sole discretion.
We may not be able to load certain older Cash Passport Cards (issued prior to 2017) or cards that are branded (eg Travelex, Australia Posts etc). These will be dealt with on a case by case basis. A full refund will be given with 7 business days if this is the case.   
Placing a Reload Order
To place an order, follow the instructions on the website ordering pages. You are able to correct errors on your order up to the point at which you click on the “Complete Order” button on the “Order Summary” page. The exchange rates we quote are subject to change. We will use the exchange rates (as set by us) that appear on the “Order Summary” page at the time we receive your order.
You must provide the requested information for us to process your order. We reserve the right to request further information from you at any time to enable us to complete your order and / or to comply with regulatory requirements. We will use various procedures to authenticate each transaction. By placing an order, you confirm that the details contained in the order are correct in all respects. The system will display a confirmation page (the “Thank You” page) setting out the details of your order. This confirms receipt of your order.
A contract between you and us is only formed when we receive your payment and send you a confirmation email that your order has been accepted. Please print a copy of the confirmation page for your records. We may, at any time, decline to process your order or any part of your order for any reason including where insufficient or incorrect information has been provided, authentication has not been possible or an exchange rate has been quoted in error. You will be required to pay for the reload of a Cash Passport Card as part of the sales process or by subsequently making a payment via BPAY®. For any BPAY® payment you must make payment within 4 hours of the placement of your order otherwise we may cancel your order.
Payment via BPAY®
Payments via BPAY® must be made from the account of the person obtaining the Service and not from a third party bank account.
Fees and Charges
The total sum payable by you for the issue of the Cash Passport Card you are purchasing will be shown on the “Order Summary” and “Thank You” page. Cash Passport Cards are subject to various fees and exchange rates and these are set out in detail in the relevant Product Disclosure Statement.
Your Right to Cancel
An order can be cancelled at any time prior to the card being loaded collection subject to the process set out below and your payment of the cancellation Administration Fee of $50 as well your payment to cover any foreign exchange loss suffered by The Currency Exchange (if applicable).
To cancel an order you must notify us by email (paul@thecurrencyexchange.com.au), you will also need to provide your details and your Transaction Reference Number. Please note that for the purposes of calculating whether there has been any foreign exchange loss suffered by The Currency Exchange we will make an approximation of our cost to repurchase that currency from the Card Issuer on the relevant day which may result in a foreign exchange loss to The Currency Exchange which we will pass on to you. In addition you will be charged an Administration Fee of $50. 
We will email you with confirmation of the cancellation and the breakdown of the foreign exchange loss and the Administration Fee. The email will also provide instructions on how to pay the Administration Fee and potential foreign exchange loss via BPAY® by using your original Transaction Reference Number. The Currency Exchange will then process your refund by reversing your original BPAY® payment to your Bank Account however it may take up to 14 days due to the banking system to credit your Bank Account. Please note that refunds can only be made after you have paid the Administration Fee and any Foreign Exchange Loss. Due to security reasons BPAY® refunds can only be made back to the originating account.
The provisions of this cancellation clause do not affect your statutory rights. In relation to the purchase of a new card and in the event we are unable to contact you, despite our reasonable efforts, within 90 days of the day you placed your order and you have not cancelled your order in accordance with the above process or have not collected your Cash Passport Card then we will cancel your order and any funds held by us at that time will become the property of The Currency Exchange.
Reloads of Cash Passport Cards
In order to reload your existing Cash Passport Card via this online ordering facility you will need to complete the following steps:
1. Select the currency and amount you require for each currency you wish to reload (there is a minimum reload amount of AUD100.00 and a maximum AUD100,000.00. These limits are also subject to various Card Limits as set out in the terms and conditions that apply to your Cash Passport Card); 
2. Complete the order via the shopping cart
3.Agree to these terms and conditions; and 
4.Pay for the reload at checkout or by subsequently making a payment via BPAY® within 4 hours of the placement of your order (otherwise we may cancel your order).
You are able to correct errors on your order up to the point at which you click on the “Complete Order” button on the “Order Summary” page. The amount payable as well as the exchange rate used will be shown on the “Order Summary” page and will also be set out in the email confirmation that we send you. The exchange rates we quote are subject to change. We will use the exchange rate (as set by us) that appears on the “Order Summary” page at the time we receive your order.
As noted above, payments via BPAY® must be made from the account of the Cash Passport card holder and not from a third party bank account.
Once we receive your BPAY® payment for the reload we will then load your nominated Cash Passport with the relevant funds in 1 to 3 Business Days. Once we have reloaded your card we will send a further email to the email address you have provided to confirm that your reload has been processed.
If you have any comments or complaints please contact us via email on paul@thecurrencyexchange.com.au
Personal Information and Security
We use secure server software to make our Internet transactions secure. Please click on this link Privacy Policy to find out how we may use and disclose your personal information.
You agree that all information provided by you is true and correct, that any material information will not be withheld and you will provide us with any additional information that may be required by us. The Currency Exchange may require additional information from you in order to comply with regulatory requirements.
Limiting Our Liability
We use reasonable care and skill in providing the Service. However, we shall not be liable to you for the following:
1.If we are unable to perform any of our obligations to you due to failure of any technical systems or for any other reasons beyond our reasonable control including, amongst other things, war, terrorism, government action, natural disaster, or industrial dispute; 
2.For any damage to your computer equipment as a result of using this website or the Service; or 
3.For any indirect or consequential losses, claims or damages suffered by you or incurred from your use 
of the website or the Service however caused. 
Our maximum liability to you in respect of each use of the Service for the purchase or reload of a Cash Passport Card shall be to refund the purchase price of that order. The disclaimers and limitations of liability in these terms shall not apply to any damages arising from death or personal injury caused by the negligence of The Currency Exchange or any of its employees or agents or for fraud. If any provisions of these terms including these disclaimers and limitations shall be unlawful or unenforceable then such provisions shall fall away and shall not affect the validity and enforceability of the remaining terms. This does not affect your statutory rights.
Alteration of Terms
We may at any time with immediate effect, in respect of future orders, change or withdraw the website, the Service and these terms without liability to you. If we revise these terms, we will post the revised version on our website at www.thecurrencyexchange.com.au by using the Service or placing orders after we have changed these terms, you will be accepting the changes.
Third Party Rights
When you place an order for the purchase or reload of a Cash Passport Card we are entering a contract with you personally. Nothing in these terms will confer any benefit, or any right to enforce these terms, on any third party.
Law and Jurisdiction
Our relationship shall be governed and interpreted in accordance with the laws in the State of New South Wales. Any dispute, which cannot be resolved between us, shall be resolved in the courts of New South Wales.
Refund of Credit Card Payments
If you cancel your order after payment is made by credit card your online order will be refunded less the 0.95% card surcharge fee. The Currency Exchange would not refund any charges made by your card provider (eg Cash Advance fees). Please note that refund processing times are out of our control and are subject to times imposed by your card issuer. We will process any refund as soon as possible but it may take a number of days for funds to be returned to your account. All refunds will only be made to the original card used in the transaction.