These Website Standard Terms and Conditions (“Terms”) govern your access to and use of the

website and services provided by Serendib Financial Services (“Serendib”, “we”, “our”, or “us”).

Using our website and/or services, you agree to comply with and be fully bound by these Terms.

You must not use our website or services if you do not accept these Terms.

The following are the criteria you should know when using our services:

1. Individuals must complete our registration process to use our remittance services to Sri Lanka. Registrations from businesses, corporations, or other entities are not accepted.

• Requirements:
  
• customer’s full name, date of birth, residential address, copy of Australian driver’s license and passport




2. All registrations are subject to compliance review and approval. Approval or rejection will be

   provided within two (2) business days. No transactions will be processed before approval.

1. Same-day fund transfers are available only when cleared and realised funds are received in Serendib’s nominated bank account. Delays may occur if funds are pending, unverified, or subject to banking delays.

1. There is a bank charge of RS 200.00 for every transaction from Sri Lanka.
2. Over the counter, withdrawal facility is available only from Bank of Ceylon and the bank charge is RS 150.00.

1. Upon registration, each customer will be issued a unique Remitter ID. This ID is personal and non-transferable. Customers must not share their Remitter ID with any third party. Transactions initiated by anyone other than the registered customer will not be accepted or processed.

1. Serendib reserves the right to reject any transaction at its sole discretion, including but not limited to: incomplete or unsatisfactory information OR Non-compliance with internal policies or legal/regulatory requirements

1. Serendib does not accept cash deposits into its bank accounts. Any cash deposited will be refunded, and the associated transaction will not be processed..

1. Exchange rates are dynamic and subject to change without notice. The applicable rate at the time of processing is final and binding. Serendib is not liable for any losses resulting from exchange rate fluctuations.

1. For transfers on or above 5000 AUD, the customer must obtain approval from our compliance officer before the transaction is processed. The exchange rate will be confirmed by our compliance team.

• • Required Documentation:
    • Recent bank statements
    • Purpose of the fund transfer
    • Relationship to the receiver
    • Notice of Assessment (NOA) from the ATO
    • Recent payslips

2. Only the Bank of Ceylon is supported for NRFC account transfers. The Bank of Ceylon Treasury provides exchange rates for these transfers. Serendib is not responsible for discrepancies between published and applied rates.

1. Serendib shall not be liable for any delays, losses, or damages caused by events beyond its

   control, including system failures, banking delays, technical malfunctions, or third-partyactions. While we act in good faith, uninterrupted or error-free service is not guaranteed.

1. Serendib reserves the right to update or modify these Terms without prior notice. Continued use of our website or services following any changes constitutes acceptance of the revised Terms.

1. These Terms are governed by and interpreted in accordance with the laws of Australia. Any disputes shall be resolved exclusively by the courts of Australia.