This Internet site is presented by Developing Markets Associates Pty Ltd (DMA), for the purpose of disseminating information free of charge for the benefit of the public. The website was initiated further to the Commonwealth of Australia, through the Department of Foreign Affairs and Trade’s Australian Aid Programme’s ‘Reducing the Cost of Remittances to Asia’ or SendMoneyAsia (SMA) initiative. DFAT has granted DMA a world-wide, royalty-free license to use, reproduce, adapt and otherwise exploit the Contract Material and any Prior Material incorporated n the Contract Material.

DMA monitors the quality of the information available on this Internet site and update the information regularly.
DMA does not however guarantee, and accepts no legal liability whatsoever arising from or connected to, the accuracy, reliability, currency or completeness of any material contained on this Internet site or on any linked site.

DMA recommends that users exercise their own skill and care with respect to their use of this Internet site and that users carefully evaluate the accuracy, currency, completeness and relevance of the material on the Internet site for their purposes.

This Internet site is not a substitute for independent professional advice and users should obtain any appropriate professional advice relevant to their particular circumstances.
The material on this Internet site may include the views or recommendations of third parties, which do not necessarily reflect the views of DMA, or indicate its commitment to a particular course of action.

All of the information provided on this website is for information purposes only. DMA strongly recommends that you take independent financial advice before you use any of the services listed on this website. In all cases you should not make your purchasing decision based only on the information contained in this website.

Some of the information is provided directly by financial service providers and may be inaccurate or out of date and is subject to change.

You should take all factors related to a transaction into account, including the exchange rate, transfer charges and fees that may be charged to the recipient into account before selecting a service.

You should always check information with the relevant provider before using any of the products or services mentioned.

DMA holds rights to display all images featured on this website.

The copyright (©) and all other intellectual property rights in the material contained in the website are the property of the Australian Government's Department of Foreign Affairs and Trade (DFAT). None of this material may be reproduced or concepts, layouts, structure and designs copied without prior permission from DFAT.

These terms and conditions are governed and construed in accordance with Australian law. Any dispute will be subject to the jurisdiction of the Australian courts to which each party submits.