Built on Honesty, Transparency & Integrity

At Direct Trade Pty Ltd your privacy is of utmost importance. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our services. By using our services, you agree to the terms outlined in this Privacy Policy.

1. Information We Collect

a. Personal Information

We collect the following types of personal information:

• Identification Details: Full name, date of birth, and government-issued ID details (e.g., passport, driver's license).

• Contact Information: Address, phone number, and email address.

• Financial Information: Bank account details, payment methods, and transaction history.

2. How We Use Your Information

We use your information to:

• Process transactions and remittances securely.

• Comply with legal and regulatory requirements.

• Prevent fraud, money laundering, and other illicit activities.

• Provide customer support and resolve inquiries.

• Enhance and personalize your experience on our platform.

3. How We Share Your Information

We do not sell or rent your personal information. However, we may share your information

with:

• Regulatory Authorities: To comply with anti-money laundering (AML), counterterrorist financing (CTF), and other legal obligations.

• Service Providers: To facilitate services such as payment processing, data storage, and customer support.

• Business Partners: For joint marketing or co-branded services (with your consent, where applicable).

• Law Enforcement: When required by law or to protect our rights, users, or the public.

4. Data Retention

We retain your personal information only as long as necessary to fulfill our business purposes and legal obligations. When no longer required, your data is securely deleted or anonymized usually for 7 Years.

5. Data Security

We employ robust security measures, including encryption, firewalls, and secure access protocols, to protect your data. While we strive to safeguard your information, no system is entirely immune to breaches.

6. Your Rights

You have the right to:

• Access and update your personal information.

• Request the deletion of your personal data, subject to regulatory obligations.

• Restrict or object to the processing of your data.

• Lodge a complaint with a data protection authority if you believe your rights have been violated.

7. Cookies and Tracking Technologies

Our website uses cookies to enhance your experience. You can control cookies through your browser settings but note that some features may be unavailable without them.

8. Third-Party Links

Our services may include links to third-party websites. We are not responsible for the privacy practices of these sites.

9. International Data Transfers

If you access our services outside [Your Country], your data may be transferred to and processed in countries with different data protection laws.

10. Updates to This Policy

We may update this Privacy Policy to reflect changes in our practices or regulatory requirements. Significant updates will be communicated to you through email or our website

At Direct Trade Pty Ltd customer satisfaction and transparency are our priorities. This Dispute and Refund Policy outlines the process for resolving disputes and requesting refunds for international money transfer services.

1. Eligibility for Refunds

You may be eligible for a refund if:

• The transfer was not successfully delivered to the recipient due to an error on our part.

• The transfer was cancelled before processing.

• There was unauthorized use of your account, subject to our investigation.

• The transaction was not completed due to regulatory or compliance reasons.

Refunds will not be issued if:

• The transfer was successfully delivered to the intended recipient.

• The error was due to incorrect information provided by you (e.g., wrong recipient details).

• The delay or failure is due to circumstances beyond our control, such as natural disasters, bank delays, or regulatory holds.

2. How to File a Dispute

If you encounter an issue with a transaction, you can file a dispute by following these steps:

a. Contact Us

• Phone: 02 96376100

• Email: directtrades1@gmail.com

When filing a dispute, include the following details:

• Transaction reference number.

• Your contact information.

• Description of the issue.

• Supporting documents (e.g., proof of payment, error messages).

c. Timeframe to File a Dispute

Disputes must be filed within 2 Business days of the transaction date. Disputes submitted after this period may not be eligible for review.

3. Investigation Process

• Acknowledgment: We will acknowledge receipt of your dispute within one business day.

• Investigation: Our team will review the transaction, verify details, and liaise with relevant parties (e.g., recipient banks).

• Resolution: We aim to resolve disputes within Five business days. Complex cases may take longer, and we will keep you informed throughout the process.

4. Refund Process

If your refund request is approved:

• Method of Refund: Refunds will be processed to the original payment method or as agreed during resolution.

• Timeframe: Refunds are typically issued within Five business days from the

resolution date. Processing times may vary depending on your financial institution.

5. Fees

Refunds may be subject to:

• Deduction of service fees, if applicable, unless the issue was due to our error.

• Exchange rate differences, as refunds are processed at the current rate.

At Direct Trade Pty Ltd, we are committed to maintaining the highest standards of compliance, security, and customer service. This Customer Onboarding Policy outlines the procedures and guidelines for enrolling new customers to ensure regulatory compliance and mitigate risks associated with money transfers.

1. Purpose

This policy aims to:

• Ensure compliance with Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) laws.

• Establish a secure and efficient onboarding process.

• Safeguard the integrity of our services and prevent fraudulent activities.

2. Scope

This policy applies to all prospective customers of Direct Trade, including individuals, businesses, and agents, who wish to use our international money transfer services.

3. Onboarding Requirements

3.1 Individual Customers

Individuals must provide:

• Proof of Identity: A valid government-issued ID (passport, driver’s license, or national ID card).

• Proof of Address: Utility bill, bank statement, or tenancy agreement (issued within the last 3 months).

• Personal Information: Full name, date of birth, contact details, and occupation.

3.2 Business Customers

Businesses must provide:

• Business Registration Documents: Certificate of incorporation, ABN/ACN, and proof of business registration.

• Authorized Representative Details: Proof of identity and contact details of the person authorized to transact on behalf of the business.

• Ownership Details: Names and identification of directors, shareholders, and ultimate beneficial owners (UBOs).

• Business Address Proof: Recent utility bill or lease agreement.

4. Due Diligence Procedures

4.1 Customer Identification (Know Your Customer - KYC)

• Verify all documents provided during onboarding.

• Use electronic verification systems, where applicable, to confirm the identity of individuals and businesses.

4.2 Risk Assessment

• Classify customers as low, medium, or high risk based on their profile, location, and transaction patterns.

• Perform enhanced due diligence (EDD) for high-risk customers, including politically exposed persons (PEPs).

4.3 Screening

• Screen all new customers against international sanctions lists, watchlists, and adverse media reports.