• "User" or "You": Any individual or entity that accesses or uses the Services.
• "Account": An account created by the User to access our Services.
• "Services": The money transfer, remittance, and any related financial services provided by LCSX.
• "Transaction": Any transfer of funds initiated through our Services.
• "Personal Information": Any data that can be used to identify an individual, as defined under applicable privacy laws.
• "Regulatory Requirements": All applicable laws and regulations, including but not limited to those enforced by AUSTRAC, as well as anti-money laundering (AML) and counter-terrorism financing (CTF) requirements.

• Eligibility: You must be at least 18 years of age (or the applicable legal age in your jurisdiction) and legally capable of entering into these Terms.
• Account Registration: To access certain Services, you must register for an account by providing accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account details and are liable for all activities that occur under your account.
• Verification: As part of our compliance with AUSTRAC and other regulatory requirements, you may be required to submit identification and other personal information. Failure to provide accurate information may result in the suspension or termination of your account.

• Money Transfer Services: LCSX facilitates the transfer of funds between users internationally. The availability of Services may vary by country and may be subject to certain limitations.
• Exchange Rates and Fees: Fees, exchange rates, and transaction limits are determined by transaction details (such as the transfer amount, payment method, and destination) and are subject to change without notice. It is your responsibility to review the final quote before confirming any transaction.
• Service Availability: Not all Services are available in every country. LCSX reserves the right to modify, suspend, or discontinue any part of the Services at any time.

• AUSTRAC Compliance: LCSX strictly adheres to AUSTRAC regulations as well as all applicable AML and CTF laws. You agree to cooperate with all verification procedures and regulatory checks required by LCSX.
• Use of Data: In order to comply with these regulations, LCSX may collect, store, and use personal and transactional data as required. By using our Services, you consent to such processing in accordance with our Privacy Policy.
• Prohibited Activities: You agree not to use the Services for any unlawful activities, including money laundering, terrorist financing, or any other activity that would contravene AML/CTF regulations.

• Accurate Information: You warrant that all information provided to LCSX is accurate, complete, and current.
• Lawful Use: You agree to use our Services only for lawful purposes and in accordance with these Terms.
• Security: You are responsible for maintaining the security of your account credentials and for any activity that occurs under your account.

• Processing: All transactions are subject to verification and processing by LCSX and/or third-party service providers. Delays or failures may occur due to technical issues, regulatory checks, or other circumstances beyond our control.
• Risk Disclosure: International money transfers involve inherent risks, including exchange rate fluctuations and delays. LCSX is not liable for any losses or damages arising from such risks.

• Fees: All applicable fees, including transfer fees and currency conversion fees, will be clearly presented to you before you confirm a transaction.
• Changes: LCSX reserves the right to modify fees and exchange rates at any time without prior notice. It is your responsibility to review the fee structure for each transaction.

• Disclaimer: LCSX provides its Services "as is" and without any warranties, express or implied. In no event shall LCSX be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits or data, arising out of or related to the use or inability to use the Services.
• Maximum Liability: Our total liability, whether in contract, tort, or otherwise, shall not exceed the total fees paid by you for the transaction(s) in question.

• Governing Law: These Terms shall be governed by and construed in accordance with the laws of Australia. Any disputes arising out of these Terms or the Services shall be subject to the exclusive jurisdiction of the courts of Australia.
• Resolution Process: In the event of a dispute, you agree to first contact our customer support to attempt an amicable resolution before pursuing any legal remedies.

LCSX reserves the right to modify or update these Terms at any time. Changes will be effective immediately upon posting on our website. Your continued use of our Services following any modifications constitutes your acceptance of the revised Terms.