Tenstar Investment Pty Ltd (ABN 32 650 500 379) ("Tenstar", "we", "our", or "the Company") is committed to protecting your privacy and complies with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy applies to our website (tenstar.com.au), our services, and any software systems we use to provide financial services.

1. What Information We Collect

To meet compliance requirements, especially under the AML/CTF Act 2006 and AUSTRAC, we may collect the following information:

• Your identity details (name, gender, date of birth, nationality, contact details, email, address, bank details, identification documents)
• Recipient information (including their name, date of birth, address, and relationship with the sender)
• Business client details (registration documents, beneficial ownership information)
• Additional documents/information provided via email, phone, WeChat, WhatsApp, etc.
• Transaction data generated during your use of our services
• Any further details required under the AML/CTF regime (e.g., proof of source of funds, remittance purpose)

2. How We Collect Information

We collect information when:

• You register an account, complete KYC forms, or submit documents
• You use our services (e.g., remittance or local transfers)
• You contact our representatives via phone, email, WeChat, WhatsApp, etc.
• You participate in marketing campaigns or fill out forms

We may also collect information from KYC providers, government sources, or public records.

3. How We Use Your Information

We use your data for the following purposes:

• Identity verification and risk assessments
• Account creation and transaction processing
• Legal compliance (AML/CTF reporting obligations)
• Managing fraud and credit risk
• Customer service and marketing communications
• Improving our services

4. Data Storage and Protection

• All data is stored in Australian data centers
• Protected with encryption and internal access controls
• Retained for at least 7 years in accordance with AML/CTF regulations
• Irrelevant data is deleted or anonymized

5. Disclosure of Information

We may disclose your information to:

• Regulators such as AUSTRAC
• KYC/AML verification providers
• Intermediary banks or payment platforms
• Legal, technical, audit service providers
• Third parties in acquisition or restructuring events

We do not sell or rent your data. If required by law, we will comply with court orders.

6. Access and Correction

You have the right to access or correct your personal information. Contact us at:

Email: info@tenstar.com.au

7. Cookies

We use cookies to enhance your browsing experience and track usage data. You may disable cookies in your browser settings.

8. Cross-Border Data Transfer

Currently, Tenstar does not transmit personal information outside Australia.

9. GDPR Statement (if applicable)

While our primary market is Australia, we commit to aligning with applicable GDPR requirements for EU clients.

10. Governing Law and Jurisdiction

This Privacy Policy is governed by the laws of New South Wales, Australia. Any disputes shall be subject to the exclusive jurisdiction of NSW courts.

11. Policy Updates

This Privacy Policy may be updated from time to time. We recommend that you check this page regularly to see the latest version.

For any questions or complaints, please contact: info@tenstar.com.au

Welcome to Tenstar's services. These Terms of Service ("Terms") govern your use of services provided by Tenstar Investment Pty Ltd (ABN: 32 650 500 379). By using our services, you agree to be bound by these Terms.

1. Scope of Services

Tenstar provides services including but not limited to:

• Foreign Exchange (FX)
• International and domestic remittance
• Business settlement solutions
• Financial consulting and customer support

2. Terms of Use

2.1 You must be at least 18 years old and have full legal capacity.

2.2 All information you provide must be accurate, complete, and updated when necessary.

3. KYC and Compliance

3.1 In accordance with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (AML/CTF Act 2006), you agree to provide all required identification and source of funds documentation.

3.2 We may use third-party verification service providers for identity checks.

3.3 We reserve the right to refuse service to any individual or entity that does not meet compliance standards.

4. Fees and Exchange Rates

4.1 All fees will be disclosed before transaction confirmation.

4.2 Foreign exchange rates are based on real-time market data and may change at any time.

5. Refund Policy

5.1 If a customer cancels a transaction, any losses due to exchange rate fluctuations or fees will be borne by the customer.

5.2 If a transaction fails due to system or processing errors, we will refund the full amount.

5.3 Once funds have been sent or received, refunds are not guaranteed unless required by law.

6. Customer Responsibilities

6.1 You must ensure all transactions are legal and not related to money laundering, terrorism financing, or fraud.

6.2 Tenstar is not liable for losses arising from false information or illegal use.

7. Privacy and Data Protection

We handle personal information in accordance with the Privacy Act 1988 and our Privacy Policy.

8. Service Changes and Termination

8.1 Tenstar may modify, suspend, or terminate any service at any time.

8.2 If you violate these Terms, we may immediately terminate your access.

9. Limitation of Liability

To the maximum extent permitted by law, Tenstar is not liable for any indirect, special, or consequential damages arising from the use of our services.

10. Governing Law

These Terms are governed by the laws of New South Wales, Australia. Disputes will be submitted to NSW courts.

11. Contact Information

Email: info@tenstar.com.au