1. Account holder: The person(s) in whose name the account is held.
2. Business Day A day that is not:
   a) a public holiday, special holiday or bank holiday in the place in which any relevant act is to be done or may be done. or
   b) a Saturday or Sunday.
3. You, Your, Client refer to the account holder.
4. We, us and our, GMT, GMT MONEY refer to Spicytouch australia Pty Ltd
5. Bought Currency: The amount of currency received by the Client in return for the Sold Currency.
6. Beneficiary: The person to whom or for whose benefit the funds are sent or deposited in bank;
7. the singular includes the plural and vice versa
8. notice includes a disclaimer, a disclosure or other statement, a consent and terms and conditions

These Terms of Use apply to:

1. Our main website
2. Our online portal

These terms may be changed from time to time and without further notice. Your continued use of the Site after any such changes constitutes your acceptance of the new terms. If you do not agree to abide by these or any future terms, please do not use the Site or download materials from it.
GMT may terminate, change, suspend or discontinue any aspect of the Site, including the availability of any features, at any time. GMT may remove, modify or otherwise change any content, including that of third parties, on or from this Site. GMT may impose limits on certain features and services or restrict your access to parts or the entire Site without notice or liability. GMT may terminate your use of the Site at any time in its sole discretion.

The products and services described in this site are available only to Australian residents. Applications from people other than Australian residents will not be accepted. The information in this site has been prepared in accordance with Australian law for the supply of goods and services.

While we try to make sure there are no mistakes in the information on our websites, we do not warrant the accuracy, adequacy or completeness of the information or that it is suitable for your intended use. So we recommend that you seek independent advice before acting on any information on our websites. Also, all information is subject to change without notice.

GMT regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the Internet can be guaranteed as completely secure. Therefore, when you send us information, you do so at your own risk. Once we have received it, we will take reasonable steps to keep the information secure while it is in our own systems.

Your use of our website is at your own risk. We do not guarantee that our websites are free from viruses, or that access to our sites will be uninterrupted.

The material on our websites is protected by copyright. Other than for the purposes and subject to the conditions prescribed under the Copyright Act 1968, you must not reproduce, upload to a third party, link to, frame, store in a retrieval system or transmit any part of it without our prior written consent. This prohibition applies to such actions regardless of their form or means (electronic, mechanical, micro copying, photocopying, recording, or otherwise).

You must not commercialise (in any form or by any means) any information, products or services contained on our websites without our prior written consent.

In using this Site, you agree:

1. not to disrupt or interfere with the security of, or otherwise abuse, the Site, or any services, system resources,
2. not to interfere with, damage (or attempt to interfere with or damage) or reverse-engineer any code, data or software on or associated with the Website.
3. not to copy, republish, download, transmit, modify, rent, lease, loan, sell, assign, distribute, license, sub-license,
4. reverse engineer, or create derivative works based on, the Site, the Site Materials, or its Products and Services, except if expressly authorized herein.
5. not change, modify, adapt or alter the Service or change, modify or alter another website so as to falsely imply that it is associated with GMT or the site.
6. not to disrupt or interfere with any other user's enjoyment of the Site or affiliated or linked Web sites;
7. not to upload, post, or otherwise transmit through or on this Site any viruses or other harmful, disruptive or destructive files;
8. not to use or attempt to use another's account, service or system without authorization from GMT MONEY, or create or use a false identity on this Site;
9. not to transmit through or on this Site spam, chain letters, junk mail or any other type of unsolicited mass email to people or entities who have not agreed to be part of such mailings;
10. not to disclose your username and password to others either on or off the Site;
11. not to attempt to obtain unauthorized access to the Site or portions of the Site which are restricted from general access; and,
    In addition, you agree that you are solely responsible for actions and communications undertaken or transmitted under your account, and that you will comply with all applicable local, state, national and international laws and regulations. Violation of these Terms of Use may, in GMT's sole discretion, result in the termination of your account.

Despite any right contained in these Terms and Conditions, in the event that you appears to be aPrescribed Person, then we may immediately refuse to process or complete any transaction or dealing of yours; suspend the provision of a product or service to you; refuse to allow or to facilitate any of your assets held by us to be used or dealt with; refuse to make any asset available to you to any other Prescribed person or entity; or terminate these arrangements with you. We will be under no liability to you if we do any or all of these things. If we exercise our rights under this clause, you must pay any losses, costs or expenses we incur in relation to any action taken under this clause, including interest adjustments and or administrative costs under these Terms and Conditions.

Unless expressly agreed otherwise, this notice and the information in this site and all matters relating to either are governed by and construed according to the laws applicable in the State of New South Wales and the Commonwealth of Australia ("Australian law"). The information may not satisfy the laws of any other country. It is not directed at people in any other country. The information in this site is current at the date of publication but may be subject to change.