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Disclosure Documents & FAQs

Key legal and regulatory documents to assist clients in understanding our services, fees, risks, dispute resolution processes and product terms.

Core AFSL & Client Disclosure

Risk & Compliance

Website & Operations

Frequently asked questions

Who is AW Fintech?
AW Fintech Pty Ltd is an Australian Financial Services Licensee providing cross-border payments, foreign exchange, collection, treasury and payment infrastructure solutions for approved business clients. Part of the Ruizean Group, with affiliated regulated operations in Japan.
Is AW Fintech regulated?
Yes. AW Fintech holds AFSL No. 443886 and is registered with AUSTRAC as an Independent Remittance Dealer (IND100043211-002) and Digital Currency Exchange provider (DCE100043211-001).
What currencies does AW Fintech support?
AW Fintech supports major currencies including AUD, USD, GBP, EUR, CAD, SGD, HKD, JPY and NZD, with additional currencies available subject to approval and operational capability.
Are exchange rates guaranteed?
Exchange rates are not guaranteed unless a rate has been formally quoted, accepted and confirmed under AW Fintech’s applicable terms. Rates may change due to market movements at any time.
How are client funds protected?
AW Fintech applies client fund safeguarding controls including segregated client money arrangements where applicable, reconciliation, transaction monitoring and governance controls. Treatment of funds may vary by product and transaction structure.
Can AW Fintech reject a transaction?
Yes. AW Fintech may reject, delay, block, suspend or review a transaction where required by law, regulation, sanctions controls, AML/CTF obligations, banking partner requirements, risk assessment or internal policy.
How do I make a complaint?
Contact AW Fintech at complaints@awfintech.com or +61 2 9017 5200. If not satisfied with our response, you may refer the matter to AFCA at afca.org.au or 1800 931 678.
Does AW Fintech provide financial advice?
No. AW Fintech does not provide personal financial product advice. All website information is general in nature and does not consider your objectives, financial situation or needs.

IMPORTANT DISCLOSURES

General information warning

The information on this website is general only. It has been prepared without taking into account your objectives, financial situation or needs. Before acting, consider whether it is appropriate for your circumstances.

Foreign exchange risk

FX transactions involve risk. Exchange rates may fluctuate and may move adversely before or after a transaction is booked, converted or settled. Past rates are not a guide to future rates.

AML/CTF & sanctions

AW Fintech must comply with Australian AML/CTF and sanctions laws. AW Fintech may delay, reject, block or refuse a transaction or service where required by law or internal risk policy.

No guarantee of acceptance

Submitting an enquiry or application does not guarantee AW Fintech will provide services. Access may be approved, declined, suspended or terminated in accordance with applicable law and policy.

Jurisdiction notice

This website is intended for persons in jurisdictions where AW Fintech may lawfully provide its services. Nothing here constitutes an offer or solicitation where it would be unlawful.

Complaints & dispute resolution

Complaints: complaints@awfintech.com · +61 2 9017 5200. External dispute resolution: Australian Financial Complaints Authority (AFCA) · afca.org.au · 1800 931 678.