1. Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the www.bmexpress.com.au website (the "Service") operated by Pera Padala Pty Ltd T/A BM Express Door to Door to the Philippine ("us", "we", or "our").

      Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

      By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

      The language of these Terms and Conditions is English and all Services, instructions and transactions carried out in connection with it shall be in English.

    2. In these Terms and Conditions, the terms "BM Express ", "we", "us", and "our" refer to Pera Padala Pty Ltd T/A BM Express Door to Door to the Philippines, together with its employees, directors, affiliates, successors, and assigns. is a company registered ACN No. 085 120 38 with its registered office at 4 Wiltshire Street Minto, NSW 2566. It is Authorised and Regulated by AUSTRAC registration number RNP100402067-001

    3. The terms "you" and "your" refer to users of the Service, whether in their capacity as Senders, Recipients, or visitors to this website.

    4. The Service was created to assist customers to send money to their family and friends, primarily from Australia to the Philippines . For security reasons, we recommend that you only send money through the Service to people you know personally. You must not use the Service to send money to strangers for example sellers of goods and/or services, private or retail.

    5. When you create an account with us, you must provide us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.

      You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password, whether your password is with our Service or a third-party service.

      You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

    6. Our Service may contain links to third-party web sites or services that are not owned or controlled by BM Express .

      BM Express has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that BM Express shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

      We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

    7. These Terms shall be governed and construed in accordance with the laws of Australia, without regard to its conflict of law provisions.

      Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

    8. These Terms and Conditions are effective from 2014. The Terms and Conditions may change from time to time, but changes will only be effective from the date they are made and will not change the terms on which you previously used the Service.

      We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

      By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.


    In this Terms and Conditions:

    "Destination Country" means the country in which the Recipient receives money through the Service (primarily, the Philippines).

    "Local Taxes" means any taxes or charges payable in the Destination Country.

    "Payment Instrument" means a valid instrument of payment such as a bank account

    "Payout Amount" means the amount paid out to the Recipient, after any foreign exchange conversion and excluding Local Taxes.

    "Recipient" means someone who receives money through the Service.

    "Sender" means someone who uses the Service to send money and door-to-door packages.

    "Service Fee" means the fee plus any additional charges applicable to each Transaction.

    "Service Provider" means a local bank, remittance partners, or other third party service providers in the Destination Country with whom BM Express works in providing the Service.

    "Transaction" means a specific instruction to send money through the Service.

    "Transaction Amount" means the amount of money that the Sender wishes to send to the Recipient, excluding any applicable fees and prior to any foreign exchange conversion.


    1. Subject to these Terms and Conditions, we agree to provide the Service to you using reasonable care. The Service may not be available in whole or in part in certain regions, countries, or jurisdictions.

    2. We are not obliged to process any particular Transaction. When you submit a Transaction, you are requesting that we process the Transaction on your behalf. We may, in our sole discretion, choose whether or not to accept the offer to process that Transaction. However, if we decide not to process the Transaction, we will notify you promptly of that decision and repay the money paid to us.

    3. BM Express the right to modify or discontinue the service or any part of the Service without notice, at any time and from time to time. We may, in our absolute discretion, refuse any Transaction or limit the amount to be transferred, either on a per transaction basis or on an aggregate basis, and either on individual accounts or on related accounts.

    4. We may, in our sole discretion, refuse Transactions from certain Senders or to certain Recipients, including but not limited to entities and individuals on restricted or prohibited lists issued from time to time by the Government of Australia and the government of the Destination Country. In addition, not all Payment Instruments are available to all customers at all times and we may, in our sole discretion, refuse Transactions funded from certain Payment Instruments.

    5. We will attempt to process Transactions promptly, but any Transaction may be delayed or cancelled for a number of reasons including but not limited to: our efforts to verify your identity; to validate your Transaction instructions; to contact you; or otherwise to comply with applicable AML/CTF laws in Australia and the Destination Country; or due to variations in business hours and currency availability; force majeure or acts of nature.

    6. We will attempt to provide Senders and Recipients with up to date information regarding the location and opening hours of our Service Providers by means of information on our website. However, you agree that BM Express shall not be held responsible for any inaccuracies that may appear in that information or any consequential loss, which may result from incorrect or incomplete information.


    You agree that:

    1. you will not access, use or attempt to use the Service as a Sender unless you are at least 18 years old, and that you have the legal capacity to form a binding legal contract in the relevant jurisdiction;

    2. for each Transaction that you submit, you will pay us the Service Fee in addition to the Transaction Amount. Payment becomes due at the time that you submit your Transaction. If you submit a Transaction that results in BM Express becoming liable for charges including but not limited to charge back or other fees, you agree to reimburse us for all such fees;

    3. in connection with your registration and use of the Service, you will:

      1. provide us with true, accurate, current and complete evidence of your identity, and promptly update your personal information if and when it changes;

      2. provide our merchant with details of one or more Payment Instruments; and

      3. provide us with true, accurate, current and complete information for all Transactions.

        We do not accept any liability for damages resulting from non-payment or delay in payment of a money transfer to a Recipient or failure to perform a transaction under the Service by reason of any of these matters.

    4. when you pay for a Transaction in one currency and the Recipient is paid in another currency, there will be a difference between the exchange rate at which we buy foreign currency and the exchange rate provided to you. BM Express and its Service Providers usually make a small profit in these circumstances. If such account is denominated in another currency the amount to be received by the Recipient will be reduced by the amount of extra charges incurred by reason of the incorrect information given by you and we will have no obligation to make good such reduction;

    5. when you are sending money under these Terms and Conditions, it is your responsibility to make sure all the Transaction details are accurate before submission. Once a Transaction has been submitted for processing it is not normally possible to change any of its details. You will be given the opportunity to confirm Transactions before submission and you must check the details carefully.

    6. BM Express will have no responsibility for any fees or charges you may incur by the use of a particular Payment Instrument to fund a Transaction. These may include but are not limited to unauthorized overdraft fees imposed by banks if there are insufficient funds in your bank account or "cash advance" fees and additional interest which may be imposed by credit card providers if they treat use of the Service as a cash transaction rather than a purchase transaction;

    7. you will only use the Service to send money to people that you know personally and not to pay for goods or services. If, in breach of this clause, you choose to pay third parties for goods and services using the Service, you acknowledge that BM Express has no control over, and is not responsible for, the quality, safety, legality, or delivery of such goods or services and that any such use of the Service is entirely at your own risk. If BM Express reasonably believes you are using the Service to purchase goods or services, we reserve the right to cancel your Transaction(s);

    8. both you and the Recipients will only act on your own behalf. You may not submit or receive a Transaction on behalf of a third person. If you intend to submit or receive a Transaction on behalf of a company, business or any entity other than a human individual, you must first inform BM Express of your desire to do so and provide us with any additional information about the entity we may request in order that we may decide whether to permit the Transaction;

    9. in using the Service you will comply with these Terms and Conditions as well as any applicable laws, rules or regulations. It is a breach of these Terms and Conditions to use the Service to send money (i) to a Recipient who has violated the Terms and Conditions, or (ii) in connection with illegal activity including without limitation money-laundering, fraud and the funding of terrorist organizations. If you use the Service in connection with illegal activity, BM Express may report you to the appropriate legal authorities;

    10. when using our website or the Service or when interacting with BM Express, with another user or with a third party, you will not:

      1. breach this Terms and Conditions, or any other agreement between you and BM Express ;

      2. open more than one account, without our prior written permission;

      3. provide false, inaccurate, or misleading information;

      4. allow anyone else access to your registration details, and will keep those details secure;

      5. refuse to provide confirmation of any information you provide to us, including proof of identity, or refuse to co-operate in any investigation;

      6. use anonymity, proxy, or any tool that attempts to make activity untraceable; or

      7. copy or monitor our website using any robot, spider, or other automatic device or manual process, without our prior written permission.

    11. BM Express may, as necessary in providing the Service, store all information required of a Recipient to prove his or her identity or associated with their specific Transaction. Such proofs may include a suitable form of valid, unexpired identification from a list of acceptable papers provided by the Service Provider, and/or a Transaction tracking number, a personal identification number (PIN), a "password", a "secret word", or other similar identifiers.


    1. If you have any problems using the Service you should contact us through the channels listed at the end of this Terms and Conditions.

    2. You have the statutory right to cancel your agreement with us after you have submitted a Transaction. This right of cancellation continues until fourteen days after you have submitted the transaction, or until we have completed the contract by paying the Payout Amount to the Recipient, whichever is the earlier. If you exercise your right to cancel under this clause, we may make a cancellation charge.

    3. If you wish to exercise your right to cancel under this clause, you must submit a written request to one of the contact points listed at the bottom of this Terms and Conditions, giving the Sender's full name, address, and phone number, together with the Transaction tracking number, Transaction Amount, and the reason for your refund request.

    4. Any refunds will be credited back to the same Payment Instrument used to fund the Transaction and in the same currency. No adjustment will be made for any currency fluctuations, which may have occurred in the meanwhile.


    1. Customer Identification Program. Australia law and laws in the Destination Country requires all financial institutions to assist in the fight against money laundering activities and the funding of terrorism by obtaining, verifying, and recording identifying information about all customers. We may therefore require you to supply us with personal identifying information and we may also legally consult other sources to obtain information about you.

    2. Verification and Checks. We will verify your residential address and personal details in order to confirm your identity. We may also pass your personal information to a credit reference agency, which may keep a record of that information. You can be rest assured that this is done only to confirm your identity, that a credit check is not performed and that your credit rating will be unaffected. All information provided by you will be treated securely and strictly in accordance with the data protection laws of Australia and the Destination Country.

    3. By accepting these Terms and Conditions you authorize us to make any inquiries we consider necessary to validate the information that you provide to us. We may do this directly, for example by asking you for additional information, requiring you to take steps to confirm ownership of your Payment Instruments or email address; or by verifying your information against third party databases; or through other sources.

    4. Data Privacy Policy. You consent to our processing your personal information for the purposes of providing the Service, including for verification purposes as set out in this clause. You also consent to the use of such data for communicating with you, and for statutory, accounting and archival purposes. You acknowledge that you have read and consented to BM Express' Data Privacy Policy.

    5. Government Disclosures. We may be required by law to provide information about you and your Transactions to government or other competent authorities as described in our Data Privacy Policy. You acknowledge and consent to our doing this.


    1. The BM Express website and the BM Express Service, the content, and all intellectual property relating to them and contained in them (including but not limited to copyrights, patents, database rights, trademarks and service marks) are owned by us, our affiliates, or third parties. All right, title and interest in and to the BM Express Online Site and the BM Express Online Service shall remain our property and/or the property of such other third parties.

    2. The BM Express website and the BM Express Service may be used only for the purposes permitted by these Terms and Conditions or described on this website. You are authorized solely to view and to retain a copy of the pages of the BM Express website for your own personal use. You may not duplicate, publish, modify, create derivative works from, participate in the transfer or sale of, post on the internet, or in any way distribute or exploit the BM Express website, the BM Express Service or any portion thereof for any public or commercial use without our express written permission. You may not: (a) use any robot, spider, scraper or other automated device to access the BM website or the BM Express Service; and/or (b) remove or alter any copyright, trademark or other proprietary notice or legend displayed on the BM Express website (or printed pages of the website). The name BM Express and other names and indicia of ownership of BM Express' products and/or services referred to on the BM Express website are our exclusive marks or the exclusive marks of other third parties. Other product, service and company names appearing on the website may be trademarks of their respective owners.


    1. We will refund to you any benefit which we receive as a result of any breach of our agreement with you (this means that, for example, where a money transfer has failed in such circumstances we will refund to you the Transaction Amount and the Service Fee).

    2. If a money transfer is delayed or fails, you may have a right to receive a refund or compensation under laws relating to the provision of international money transfer services. We will provide you with the details of your rights to a refund or compensation if you contact us using the contact details at the end of this agreement.

    3. Any claim for compensation made by you and/or a Recipient (who is not registered with us) must be supported by any available relevant documentation.

    4. We do not, in any event, accept responsibility for:

      1. any failure to perform your instructions as a result of circumstances which could reasonably be considered to be outside our control;

      2. malfunctions in communications facilities which cannot reasonably be considered to be under our control and that may affect the accuracy or timeliness of messages you send to us;

      3. any losses or delays in transmission of messages arising out of the use of any internet service provider or caused by any browser or other software which is not under our control;

      4. errors on the website or with the Service caused by incomplete or incorrect information provided to us by you or a third party.

      5. Nothing in this clause 8 shall (a) exclude or limit liability on our part for death or personal injury resulting from our negligence; or (b) exclude liability for our fraud.

      6. Where you are sending a money transfer to a Recipient who is not registered with us, you agree to accept the provisions of this clause 11 not only for yourself, but also on behalf of the Recipient.

      7. Your relationship is with BM Express only. You agree that no affiliate or agent of BM Express owes you any duty of care when performing a task which would otherwise have to be performed by BM Express under its agreement with you.

      8. You agree to indemnify and hold harmless BM Express, our subsidiaries, affiliates, officers, directors, employees, agents, independent contractors, advertisers, partners, and co-branders from all loss, damage, claims, actions or demands, including reasonable legal fees, arising out of your use or misuse of this website or Service, all activities that occur under your password or account e- mail login, your violation of this Terms and Conditions or any other violation of the rights of another person or party.


    1. You acknowledge that this Terms and Conditions shall be entered into electronically, and that the following categories of information ("Communications") may be provided by electronic means:

      1. This Terms and Conditions and any amendments, modifications or supplements to it.

      2. Your records of transactions through the Service.

      3. Any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by law.

      4. Any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Service.

      5. Any other communication related to the Service or BM Express.

    2. The Service does not allow for Communications to be provided in paper format or through other non-electronic means. You may withdraw your consent to receive Communications electronically, but if you do, your use of the Service shall be terminated. In order to withdraw your consent, you must contact us using our contact information at the end of this Terms and Conditions.

    3. In order to access and retain Communications, you must have or have access to the following:

      1. An Internet browser that supports 128-bit encryption, such as Internet Explorer version 4.0 or above;

      2. An e-mail account and e-mail software capable of interfacing with BM Express's e-mail servers;

      3. A personal computer, operating system and telecommunications connections to the Internet capable of supporting the foregoing;

      4. Sufficient electronic storage capacity on your computer's hard drive or other data storage unit; and

      5. A printer that is capable of printing from your browser and e-mail software. In addition, you must promptly update us with any change in your email address by updating your profile at www.bmexpress.au


    1. Either party may terminate this Terms and Conditions on one day's written notice.

    2. We may terminate this Terms and Conditions with immediate effect if you:

      1. become, or are likely to become, insolvent or are declared bankrupt;

      2. are in breach of any provision of this Terms and Conditions;

      3. your use of the Service or the website is disruptive to our other customers, or you do anything which in our opinion is likely to bring us into disrepute;

      4. breaches or attempts to breach the security of the website (including but not limited to: modifying or attempting to modify any information; unauthorizedlog-ins, unauthorized data access or deletion; interfering with the service, system, host or network; reverse engineering of any kind; spamming; hacking; falsifying data; introducing viruses, Trojan horses, worms or other destructive or damaging programs or engines; or testing security in any way);


    1. If you wish to make a complaint about any aspect of the BM Express service, please send your complaint in writing to the address shown on the Contact Us page or by email to bmonline@bmexpress.com

    2. We will acknowledge receipt of your complaint within 2 business days. We will investigate your complaint and come back to you with the results of our investigation no later than 7 business days of receipt of your complaint. If you are not satisfied with the manner in which we have dealt with your complaint, or the outcome, then you may refer the matter to appropriate customer service regulators in Australia.


      We take security very seriously at BM Express, and we work hard, using up-to-date security measures, to make sure that your information remains secure. The BM Express Service is a safe and convenient way to send money to friends and family and to other people that you trust. However, we do advise you to consider very carefully before sending money to anyone that you do not know well. In particular, you should be very cautious of deals or offers that seem too good to be true - they may be scams. If you are aware of anyone or any entity that is using the Service inappropriately, please email us at bmonline@bmexpress.com Similarly, if you receive any emails, purporting to be from BM Express, which you suspect may be "phishing" (fake) emails, please forward them to us at bmonline@bmexpress.com

      Contact Information

      Questions, notices, and requests for refunds or further information should be sent to BM Express, as follows:


      4 Wiltshire Street

      Minto, NSW 2566

      Tel no. 1300 724 491