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| Issue Date 03
Jul 2006
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| This Product Disclosure Statement ("PDS")
is intended to help you understand the features about the products and services
that Everforex Financial Pty Ltd ("Everforex" or "We") provides.
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| In this document, you will find information
about:
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Who we are and how you can
contact us
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Our products
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Fee structures
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The risks
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The benefits
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Tax implications
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How your complaints are
handled
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| Please note that this PDS does not constitute
a recommendation or statement of opinion. If you have any concerns or want to
know more information about the products please contact Everforex.
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 Who
we are and how you can contact us
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| We are the issuer of the foreign exchange and fund transfer
products described in this document. Our company details are: |
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Everforex Financial Pty Ltd
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ABN: 79 115 459 124
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Australian Financial Services Licence
Number: 297499
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Level 10, 230 collins St
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Melbourne, VIC 3000
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Tel: +61 3 9662 3088
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Fax: +61 3 9662 3086
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Email: admin@everforex.com
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Web: www.everforex.com
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Our
Products
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| This PDS must be read together with Everforex’s Terms and
Conditions, which are available at www.everforex.com or by contacting us and
requesting them. We offer the following two products:
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Traditional
Counter Exchange
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You may approach Everforex in person or by
phone, fax or email to request the real-time foreign exchange rate. For
example, a customer wants to exchange Australian dollars to US dollars. If the
rate is 0.7700, then 100 Australian dollars will be exchanged to 77 US dollars.
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If you agree to the exchange rate, you have
the option to pay us by: cash, cheque, or funds transfer; and we have the
options to pay you by: cash, cheque, or funds transfer, whichever you prefer.
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Everforex Online
Exchanging
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Everforex has developed a next generation
internet-based foreign exchange platform, Everforex Online, based on its strong
business practices and IT resources.
Everforex Online can save you time and resources by managing your real-time
foreign exchange transaction via the web-based application Everforex Online.
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Everforex Online allows you to:
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enquire about rates and send cleared funds to Everforex by cash, cheque or
funds transfer for exchanging;
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login to Everforex Online by clicking "My Account" on the home page of
Everforex website www.everforex.com;;
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enter the detailed deposit information and submit it to Everforex;
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after Everforex verifies the payment, conduct the online foreign exchange
against the real-time rates, at a time of your choosing;
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either send your funds transfer instructions to Everforex, or physically
collect currency from Everforex.
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Fee
structures
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For all of the foreign exchange
transactions, we do not charge any fees or commissions (although we make our
money on the particular rates offered to you);
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All international telegraphic transfers
(T/T) are charged for a flat fee AUD $15.00 per transfer.
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| l l While processing an international telegraphic transfer, the
correspondent bank and/or the receiving bank may charge a processing fee. The
final received amount may be less than the original sent amount. Those charges
are beyond the control of Everforex, and we cannot predict the amount of these
fees in advance or whether they will occur.
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The
risks
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| Foreign exchange contracts involve currency market movement risks.
For example: if a customer performs a foreign exchange transaction, the value
of the currency that they are converting into may move in an adverse direction,
but the customer will be bound to its initial transaction. As Everforex is not
allowed to provide personal advice for financial products, you may wish to seek
independent advice and also consider your own circumstances carefully before
entering into foreign exchange transactions with us.
There is another risk your funds may be delayed or lost due to force majeure.
Everforex will not provide a refund due to force majeure as defined in the case
law of Australia. This includes catastrophic disasters, terrorist attacks and
other events that affect the funds transfer service.
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The
benefits
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| Everforex offers “low-spread” foreign exchange and safe, quick and
cheap international funds transfer. “Low-spread” means that the gap between
which Everforex buys and sells currency is small or “low” – lower, in fact,
than most of its competitors.
Everforex Online enables you to perform FX transactions using real-time rates
from your own office or home.
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Tax implications
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| Whether our products will have tax implications for you will
depend on your particular circumstances. You may wish to seek tax advice in
relation to this.
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How
your complaints are handled
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| Everforex has a dispute resolution procedure to resolve any
complaints you may have, quickly and fairly.
All complaints should be directed to the Complaints Manager, who will seek to
resolve your complaint within 2 weeks, by phone call or in writing:
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Everforex Financial Pty Ltd
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PO BOX 467, Flinders Lane
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VIC 8009, Australia
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Tel: +61 3 9662 3088 Fax: +61
3 9662 3086
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Email: complain@everforex.com
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| If you are not satisfied with the outcome, you have the right to
refer the matter to the following external dispute resolution scheme, of which
Everforex is a member:
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Banking and Financial Services Ombudsman
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GPO Box 3, Melbourne
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VIC 3001, Australia
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Tel: +61 3 9613 7333 Fax: +61
3 9613 7345
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www.bfso.org.au
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| There is no cooling-off regime for the products described in this
document. |
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