The settlement and crediting of funds are subject to the timely receipt of cleared funds by our payment, banking, and collection counterparties. All transfer timelines are estimates only and are not guaranteed.

While transfers are typically credited to the beneficiary's account within one (1) business day, actual settlement times may vary and may be delayed due to factors beyond our reasonable control. These factors may include, without limitation:

• Banking cut-off times

• Weekends and public holidays in relevant jurisdictions

• Intermediary or correspondent bank processing

• Regulatory, compliance, sanctions, or anti-money laundering reviews

• Incomplete or inaccurate payment information

• System outages, force majeure events, or other operational disruptions

We shall not be liable for any delay, non-performance, or failure in settlement arising from the actions or omissions of third-party financial institutions, payment networks, clearing systems, regulatory authorities, or other service providers involved in the processing of the transaction.

Nothing in this disclaimer excludes or limits liability to the extent such exclusion or limitation is prohibited under applicable law.

If you have any questions or concerns regarding your transfer, please contact us at info@syglobal.com.au