WireCash Provider User Agreements

WireCash Terms of Service

  1. SERVICE OVERVIEW
    1. WireCash serves as the authorized delegate of multiple licensed money transfer providers. As such, WireCash offers services of licensees to US residents to compare brands, rates, distribution options, and initiate money transfers in one online location. Customers can return to do subsequent transactions with the same or different licensed service providers.

    2. The delivery of the funds is provided by the licensed money transfer providers. You agree to abide by the terms and conditions imposed by your selected service provider when conducting a transaction using WireCash.

    3. The Service was created to help our customers send money transfers to family and friends. We recommend that you use the Service only to send money to people you know personally. You should never use the Service to send money to strangers.

    4. Consumer Fraud Alert: Protect yourself from scams and fraud. Only complete transactions to people you know, safeguard your password, complete transfers for yourself and not on behalf of others. WireCash may be used for legal purposes only. Please let us know immediately if you believe someone is trying to scam or defraud you or if your WireCash username or password have been lost or stolen by email at  customerservice@WireCash.com  and put Report Fraud in the subject line.

  2. ACCESSING THE SERVICE
    1. Eligible Users. You must be at least eighteen (18) years old to access or use WireCash as a sender. You must be able to form legally binding contracts under applicable law. Other restrictions may apply.
    2. Mobile Services. The service is also accessible via a mobile device. To the extent you access the service through a mobile device, your wireless service carrier's standard charges, data rates and other fees may apply.
    3. Not Available to Certain Users. The service may not be available in whole or in part in different countries and jurisdictions as determined by local laws and regulations.
  3. OFFER AND ACCEPTANCE
    1. If you submit a transaction, you are requesting that we process your transaction, an offer which may be accepted or rejected at our discretion, along with that of the money transfer service provider you have selected.
  4. PAYMENT
    1. Charges.For each transaction that you submit there may be a transaction fee dictated by the service provider you selected from the WireCash marketplace, plus the transaction Amount. You agree to pay this transaction fee, to the service provider, which will be collected by WireCash. Additional charges may apply depending on selected service and payment method. Payment is due at the time your transaction is submitted for processing. WireCash only accepts payment in U.S. Dollars. If you submit a transaction that results in WireCash being charged non-sufficient fund fees, chargeback fees, or other similar fees, you agree to reimburse us for all such fees. For transactions funded from the sender's bank account, you agree that WireCash may, if necessary credit your bank as part of our effort to confirm ownership of the account.
    2. Payment. In order for us to collect payment from you on behalf of your selected service provider, you authorize us to access, charge, or debit funds from any of the payment instruments you provide us in connection with your use of the service including, for example, your credit card, debit card or bank account. If your payment fails or is insufficient, we may retry debiting your payment instrument one or more times, or you may authorize us to try debiting a different payment instrument. For example, if there are insufficient funds in your bank account at the time you submit your transaction, we may try to debit your bank account or charge your credit card at a later time. You represent and warrant that you are the lawful owner of your payment instrument(s).
    3. Other Charges. WireCash is not responsible for any fees or charges that may be imposed by the financial institutions associated with your payment instruments. For example (without limitation), your credit card issuer may charge you a cash advance fee and interest if you use a credit card as a Payment Instrument. WireCash is not responsible for any non-sufficient funds charges, chargeback fees, or other similar charges that might be imposed on you by your bank, credit card issuer, or other provider.
    4. Foreign Currencies. Money transfer service providers offered by WireCash usually make money when you pay for a transaction in one currency and the transaction is paid out in another currency, which is based on the difference between the exchange rate at which the foreign currency is bought and the exchange rate provided to you.
    5. Wrong Information. If you provide us with the wrong information such as the wrong bank account, recipient information, registration information, etc, your funds may not be recoverable. We will attempt to recover the funds. However, in all cases payment is still due to WireCash and will be charged to your account or payment instrument.
  5. TRANSACTION PAYOUTS
    1. Service Providers. We work with the licensed money transmitters who in turn work with local banks, money exchange houses, and other third party service providers to pay funds out to recipients. You, in your capacity as a sender, hereby appoint your recipient as your agent for the purpose of receiving funds in connection with the service. We attempt to provide up-to-date information on our websites regarding the location, availability, and hours of our service providers. However, you agree that WireCash is not responsible for any inaccurate or incomplete information that may be posted on its websites.
    2. Verification. Recipients may be required to prove their identity before receiving funds by presenting valid, unexpired identification document(s) from a list of acceptable forms of identification. In addition, Recipients may be required to provide a number and/or other, similar identifier associated with their transaction. You give WireCash permission to store all such data, as necessary to provide the service. Please verify account information and bank details are correct prior to submitting your transaction because WireCash is not responsible for detecting inaccuracies.
  6. RESTRICTIONS
    1. General. WireCash or the licensed money transmitters we work with may, at any time and in our sole discretion, refuse any Transaction or limit the amount to be transferred, either on a per transaction basis or on an aggregated basis without prior notice. Any such limits may be imposed on individual accounts or on related accounts or households, in WireCash's sole discretion. We reserve the right at any time, and from time to time, to modify or discontinue the Service (or any part thereof) with or without notice.
    2. Limits. WireCash limits the amount of funds that can be sent through the various money transfer providers whose service we offer. New customers may send $500 for the first thirty (30) days. Following thirty days, customers may send $2,999/day and a total sum of $9,999/month.
    3. Delays. Your Transaction may be delayed or cancelled at any time prior to your recipient’s receipt of the payout amount without prior notice. We may delay or cancel your transaction for reasons that include, but are not limited to: identity verification; validation of your transaction instructions and payment instruments; fraud and anti-money laundering compliance review; contacting and locating you or your recipient; and to comply with applicable law. Business hours, systems availability and currency availability of our service providers may also cause delays. You may be entitled to a refund in certain circumstances.
    4. Commercial Transactions. WireCash is not intended to be used for commercial purposes, including for purchases of goods or payments for services of any kind. You agree that you will only use the service to send money to people that you know personally and for personal reasons. If WireCash discovers you are using the service to purchase goods or services, we may cancel your transaction(s) and close your account.
    5. Unauthorized Transactions. WireCash or its money transfer providers may cancel any transaction and close any account that it suspects is being utilized for any of the following activities (without limitation): sexually-oriented materials or services; gambling activities; fraud; money-laundering; funding terrorist organizations; purchase or sale of tobacco, firearms, prescription drugs, or other controlled substances; or sending money to a recipient that has violated the WireCash or its providers’ terms of service. If you use the service in connection with illegal conduct, WireCash reserves the right to report you to the appropriate law enforcement agency or agencies.
    6. Ineligibility. Not all Payment Instruments are available to all customers at all times. We may, in our sole discretion, refuse Transactions funded from certain Payment Instruments. We may, in our sole discretion, refuse Transactions from certain Senders and to certain Recipients, including without limitation, entities and individuals that are included on the Specially Designated Nationals list, Non-cooperative Countries and Territories list, and such other lists as may be issued from time to time by the U.S. Department of Treasury and other government agencies.
    7. Others. You may not submit or receive a Transaction (i) on behalf of any other person, (ii) on behalf of a business or other non-human entity or (iii) on behalf of a charitable organization without WireCash's express consent. We may, at any time and in our sole discretion, (A) refuse any Transaction, or (B) close multiple accounts held by an individual, persons related to the individual or persons living in the same household as the individual.
    8. No Changes. We generally do not let you change the details of your transaction once it has been submitted to us for processing. We rely on the information you provide and it is your responsibility to make sure your transaction details are accurate before you submit your transaction for processing.
    9. Restricted Activities. As a user of our websites or service or in the course of your interactions with WireCash, you will not:
      1. Breach any agreement between you and WireCash or you and a money transfer provider whose services WireCash offers;
      2. Open more than one account;
      3. Provide false, inaccurate, or misleading information;
      4. Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us;
      5. Use an anonymizing proxy;
      6. Provide yourself a cash advance from your credit card (or help others to do so);
      7. Share Transaction numbers or information with anyone except your Recipient and you will advise your Recipient not to share Transaction numbers or information.
  7. COLLECTION OF INFORMATION
    1. Privacy Policy. By initiating a transaction via Wirecash, you acknowledge and consent to WireCash's Privacy Policy which is an agreement between you and WireCash. The Privacy Policy can be found on our website.
    2. Customer Identification Program. To help the government fight the funding of terrorism and money laundering activities, U.S. law requires that we obtain, verify, and record information about you. We may require that you provide us with nonpublic, personal, identifying information. We may also lawfully obtain information about you from other sources without your knowledge, including non-personal identifying information that we may obtain while you visit our websites. Please see our Privacy Policy.
    3. Government Disclosures. We may provide information about you and your transactions to government authorities and enforcement agencies, as described in our Privacy Policy.
    4. Verifying information. You authorize us, directly or through third parties, to make any inquiries we consider necessary to validate the information that you provide to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your email address, mobile device or financial instruments, or verifying your information against third party databases or through other sources.
    5. Identity and Location Information. You authorize WireCash to request your mobile carrier to use your subscriber details for verifying your identity. Those details may include name, billing address, email, and phone number. This information may also include location information, if available.
  8. ERRORS AND PROBLEMS
    1. Errors. You have a right to dispute errors in your transaction. If you think there is an error, contact the licensed money transfer provider directly. Their information can be found on the receipt provided for each transaction and a copy of which is included in your “My Account”. The licensed money transfer provider has both a phone and address to contact them directly.
    2. Cancellation and Refunds. You can cancel your transaction for a full refund within 30 minutes of authorizing your transaction, unless the funds have already been paid out to the recipient. To request a refund, please contact the licensed money transfer provider directly. Their information can be found on the receipt provided for each transaction and a copy of which is included in your “My Account”. The licensed money service provider has both a phone and address to contact them directly.
    3. WireCash will make every effort not to debit your payment instrument after receiving your request for cancellation. However, in some cases, WireCash may have initiated an irreversible request for funds from your financial institution prior to receiving your request for cancellation. In such cases, your payment instrument may be debited even if you have cancelled your Transaction. In this case, the refund will be initiated once the payment is completed.
    4. Refunds will be credited to the same payment instrument used to pay for the transaction. Refunds are only made in U.S. Dollars. Refund amounts will not be adjusted to account for changes in the value of the U.S. Dollar or foreign currency from the time your transaction was submitted.
  9. WIRECASH INTELLECTUAL PROPERTY
    1. The website, text, graphics, links, buttons, logos, and images, as well as all other WireCash patents, copyrights, trademarks, trade secrets, service marks, logos, and product and service names are owned exclusively by WireCash. You may not display, use, copy, or modify the WireCash Intellectual Property in any manner. You are authorized solely to view and retain a copy of the pages of our websites for your own personal, non-commercial use. You may not: (i) engage in or use any automated devices, data mining, robots, scraping or similar data gathering or extraction methods to access or use the service; (ii) modify, copy, frame, scrape, rent, lease, loan, sell, distribute or create derivative works based on the service, in whole or in part, except that the foregoing does not apply to the information that you legally upload to the service; (iii) remove or alter any author, trademark or other proprietary notice or legend displayed on our websites (or printed pages thereof); or (iv) infringe WireCash's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy.
    2. The technology and software underlying the service or distribution in connection therewith are the property of WireCash, and the money transfer providers it works with. Any rights not expressly granted herein are reserved by WireCash.
  10. DISCLAIMER OF WARRANTIES
    1. THE SERVICE AND SOFTWARE, IF APPLICABLE, IS PROVIDED "AS IS" AND WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED OR STATUTORY. WE, OUR SUBSIDIARIES, EMPLOYEES, SUPPLIERS, VENDORS, AND SERVICE PROVIDERS SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
    2. We make reasonable efforts to ensure that Transactions are processed in a timely manner, but we make no representations or warranties regarding the time needed to complete processing because the Service is largely dependent on many factors outside our control. Some jurisdictions do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you. This warranty gives you specific legal rights and you may also have other legal rights that vary state to state. Notwithstanding the foregoing, you may have a right to a refund as expressly described herein.
  11. INDEMNITY
    1. You agree to indemnify and hold WireCash, its suppliers, vendors, service providers, and their respective subsidiaries, officers, agents, partners, employees, and consultants harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the service, your connection to the service, your violation of any applicable user agreement, or your violation of any rights of a third party.
  12. LIMITATION OF LIABILITY
    1. EXCEPT FOR CLAIMS UNDER SECTION 2102 OF THE CALIFORNIA FINANCIAL CODE ARISING FROM TRANSACTIONS ORIGINATING IN CALIFORNIA, IN NO EVENT SHALL WireCash, ITS SUPPLIERS, VENDORS, SERVICE PROVIDERS, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES BEYOND THE SUM OF $500.00 (IN ADDITION TO REFUNDING THE TRANSACTION AMOUNT AND TRANSACTION FEES), INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF WireCash HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM NEGLIGENCE ON THE PART OF WireCash, ITS SUPPLIERS, VENDORS, SERVICE PROVIDERS, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS.
  13. DISPUTE RESOLUTION AND GOVERNING LAW
    1. Governing Law. Any dispute shall be governed according to the laws of the State of California, and all activities performed in connection with the Service shall be deemed to have been performed in California. Any controversy, dispute, or claim arising out of or relating to the service shall be governed by and construed in accordance with the laws of California, except that body of law governing conflicts of law.
    2. Disputes with WireCash. If a dispute arises between you and WireCash, our goal is to learn about and address your concerns. If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and WireCash regarding the service may be reported to our Customer Service Department. (See Section 17 below).
    3. Arbitration. For any claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000.00 USD, the party requesting relief may elect to resolve the dispute in a cost-effective manner through binding non-appearance-based arbitration. If a party elects arbitration, that party will initiate such arbitration through an established alternative dispute resolution ("ADR") provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: (i) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, with the specific manner to be chosen by the party initiating the arbitration; (ii) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and (iii) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
    4. Forum for Disputes. Except as otherwise agreed by the parties or as described in Section 13(3) above, you agree that any claim or dispute you may have against WireCash must be resolved by a court located in Los Angeles County, California. You agree to submit to the personal jurisdiction of the courts located within Los Angeles County, California for the purpose of litigating all such claims or disputes.
    5. Improperly Filed Litigation. All claims you bring against WireCash must be resolved in accordance with Section 13 of this Agreement. All claims filed or brought contrary to Section 34 shall be considered improperly filed, and a breach of this Agreement. Should you file a claim contrary to Section 13, WireCash may recover attorneys' fees and costs (including in-house attorneys and paralegals) up to $1,000.00 USD from you, provided that WireCash has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim.
  14. ELECTRONIC COMMUNICATIONS
    1. You acknowledge that use of WireCash’s services and the user agreements of its money transfer providers shall be agreed upon electronically. Unless otherwise required by applicable law, the following categories of information ("Communications") will only be provided by electronic means and not in paper format or through other non-electronic means: (i) these Disclaimers, our Privacy Policy, money transfer provider user agreements and any amendments, modifications or supplements to them; (ii) your records of transactions through the service; (iii) any initial, periodic or other disclosures or notices provided in connection with the service, including without limitation those required by federal or state law; (iv) any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the service; and (v) any other communication related to the service or WireCash. Electronic means may also include SMS, or texting. You may receive SMS alert messages for each transaction if you agree to receive SMS messages from WireCash. Message and data rates may apply when you receive SMS messages on your mobile phone.
    2. You may withdraw your consent to receive all Communications electronically, but if you do, your use of the service may be terminated. In order to withdraw your consent, you must contact us using our contact information.
    3. In order to access and retain Communications, you must have: (i) an Internet browser that supports 128-bit encryption, (ii) an email account and the capability to read email from WireCash, and (iii) a device and Internet connection capable of supporting the foregoing.
  15. MISCELLANEOUS
    1. Customer Updates. You must promptly update us with any change in your email address and telephone number by email and receive confirmation thereof. If WireCash does not have correct contact information, WireCash may not be able to notify you with important information or changes in your transaction status.
    2. Licenses. WireCash is not a licensed money transmitter. However all money transmitters offered through the WireCash website and platform are state-licensed. Their licenses can be found on the respective state and FinCEN websites.
    3. Entire Agreement. The disclaimers herein outline the WireCash service, which you agree to in initiating a transaction via WireCash. Agreements between you, WireCash and its money transfer providers govern your use of the service, superseding any prior agreements between you and WireCash.
    4. No Waiver. The failure of WireCash to exercise or enforce any right, provision, or clause of these disclaimers shall not constitute a waiver of such right or provision and shall not guarantee that WireCash will repeat any such actions in the future. If any provision of the disclaimers are found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavor to give appropriately valid effect to the intention of the disclaimers as reflected in the provision, and the other provisions of the disclaimers shall remain in full force and effect.
    5. Modification. We may modify these disclaimers from time to time without notice to you, except as may be required by law. You can review the most current version at any time by reviewing our website. You may terminate your use of the service if you do not agree with any modification or amendment. If you use the service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification. You agree that you shall not modify these disclaimers and acknowledge that any attempts by you to modify shall be void.
    6. Language. In the event there is any inconsistency between the English or other language text on our websites, including this document, the English text shall be binding.
    7. Special Notice for International Use; Export Controls. Software available in connection with the service and the transmission of applicable data, if any, is subject to United States export controls. No software may be downloaded from the service or otherwise exported or re-exported in violation of U.S. export laws. Downloading or using the software is at your sole risk. Recognizing the global nature of the Internet, you agree to comply with all local rules and laws regarding your use of the service, including as it concerns online conduct and acceptable content.
  16. SECURITY
    1. Your security and the integrity of your account is a top priority and WireCash works hard to make sure that your information is secure. WireCash is a safe and convenient way to send money to family members and to other people that you trust. However, scams and fraudsters are abundant and we urge you not to send money to anyone that you do not know personally. In particular, you should be cautious of deals or offers that seem too good to be true. If you think you have been or might be a victim of fraud, please contact us immediately or if you are aware of anyone or any entity that is using the Service inappropriately, please email us atCustomerService@WireCash.comwith the words Report Fraud in the subject line of the email. If you receive any fake (phishing) emails purporting to be from WireCash, please also forward them toCustomerService@WireCash.com, also with the words Report Fraud in the subject line of the email.
  17. CONTACT INFORMATION
    1. Questions, notifications, and requests for refunds or further information can be sent to WireCash, as follows: online atCustomerService@WireCash.com.

Ping Express Terms and Conditions:

CONSUMER FRAUD ALERT: PROTECT YOURSELF AND AVOID EMAIL PHISHING. BE CAREFUL WHEN AN UNKOWN PERSON OR STRANGER ASKS YOU TO SEND MONEY, ESPECIALLY FROM UNSOLICITED E­MAILS OR INDIVIDUALS YOU DO NOT KNOW, FOR INTERNET AUCTIONS, NEWSPAPER OR TELEPHONE OFFERS.

We advise that you do not share your username and password with others. Notify us immediately if you believe your Ping Express account including your username and password have been compromised, lost or stolen or if someone may have used them without your permission.

TERMS AND CONDITIONS

The Terms and Conditions covers the Remittance Services Agreement ("Agreement​") for which Ping Express will provide the Ping Express Remittance Application for the remittance service upon request. This Agreement between us and you, the individual sender of the Ping Express Remittance Application ("you" or "Sender"​). These terms and conditions affect your rights and you should read them carefully. By accessing and using the remittance facility application, you accept and agree to the terms and conditions in this agreement. You must indicate your consent to this Agreement by ticking both the Terms and Conditions box and the "SUBMIT" button and ensuring all sections have been fully and accurately completed. If you do not, we may not be able to send the money. You must call us if any of the information you provide changes before the Recipient collects or receives the money

The act of registration and the use of the Ping Express RemittanceApplication mean that you agree to accept and be bound by this Agreement. If you do not agree to the terms and conditions of this Agreement set forth below, do not access this application. Please note that by using Ping Express’ online platform (www.ping­express.com) or downloading the mobile Application, it will be deemed that you have read and understood this Agreement and that you agree to accept and abide by this Agreement

Ping Express may in its sole discretion modify this Agreement from time to time without any prior notice to you. Unless otherwise specified by Ping Express, all modifications shall take effect automatically and shall become part of this Agreement and be binding on you beginning on the day they are posted on the application. By continuing to access or use the Ping Express Remittance Facility Application, you will be deemed to have agreed to accept and be bound by any modifications to this Agreement

  1. Introductions
    1. The Ping Express money transfer service is provided by FIEM Group LLC ("Ping Express","we", "us" or "our"​) through our online platform or mobile application. Reference to our Money Remittance Application in this terms and conditions include the use of our website and mobile application.
    2. This Agreement and the Ping Express remittance facility application allow you to send online money transfer (a "Transfer"​) to the person named on the online form (the "Recipient"​) and allows them to receive the money into their local bank account or other forms of electronic or virtual accounts, for example a mobile wallet(our "online to account​" service). These terms and conditions apply to both services except where we say they apply to only one of them.
    3. In order to use the Ping Express remittance facility application for the first time, you must set up your "Profile"​ by entering your personal information, a "User ID"​ (which is your email address and is used for identification purposes and to login to your Profile), a password, a valid Identification and a contact number. For any consecutive Transfers you can use your existing Profile using your User ID and password to login. All information provided by you shall be stored in your Profile, and shall be maintained by us or our "Service Providers"​ (any company or companies engaged by us or our contractors to provide the Ping Express Remittance Application) based upon the information supplied by you.
    4. You cannot send a Transfer on behalf of a third party.
    5. For online transfers, you can either send the money within the same country or to a different "Receive Country"​. Once we have accepted your Transfer and the money has been collected from your bank account, the Recipient can collect the money in the agreed currency and agreed exchange rates in the bank account that you stated in the online form. We will not contact the Recipient to advise them when the money has been deposited. However, you may receive SMS alert to confirm that the transaction has been completed.
    6. We do not offer our services in all countries. You can call us or visit our website to find out the availability of our services and addresses and opening times of locations offering the services.
    7. We may communicate with you electronically (for example, by email) unless we are required by law or regulatory requirements to communicate in another way. If you do not wish to receive communications electronically, you may not use our Ping Express Remittance Application.
    8. . You agree to promptly update your records if your email address or other contact information in your Profile changes. Follow the instructions on our website to update your profile.
  2. Definitions in this Agreement.

    The words "you" and "your" refer to the person who accepts and agrees to the terms and conditions of this Agreement.

    The words "Ping Express", "we" and "us" refer to FIEM Group LLC., DBA Ping Express.

    The word "Beneficiary" refers to the person that you designate to receive the funds from the remittance payment. The word "Business Day" means any day that is not a Saturday, Sunday or legal holiday.

    The word "Payment Account" means the US bank account, debit or prepaid card account or bank account (or such other account that Ping Express agrees to accept from time to time for use hereunder and that you authorize Ping Express to charge) that you provide to Ping Express for Ping Express to charge for payment for your use of the Ping Express Remittance Facility Application. The Payment Account must be issued or held in your name by a U.S. depository institution.

    The words "Remittance Payment" means the payment of funds that you request and authorize through the Ping Express Remittance Facility Application to process and deliver to the Beneficiary.

    The words "Ping Express Remittance Facility Application" means the service whereby you may request the delivery of a remittance payment to the Beneficiary in the country of the Beneficiary.

    The words “Beneficiary Bank Account” means the bank account number, name and address of the beneficiary for which you have obtained and maintained accurate information.

    2. Scope of Agreement.

    1. This Agreement applies to the remittance payments that you request through the Ping Express Remittance Facility Application. Ping Express is only responsible for processing remittance payments you request and authorize through the Ping Express Remittance Facility Application
  3. Registration Information
    1. You will be required to provide certain information that identifies each person who seeks to register to use the Ping Express Remittance Facility Application or who requests a Remittance Payment, such as your name, address, date of birth, last four digits of your social security number and other information that will allow us to identify you. You agree to provide complete and accurate information in connection with the registration process and you further agree to update this information as may be reasonable or necessary to keep it complete and accurate at all times
    2. Use of the Ping Express Remittance Facility Application is granted subject to our ability to verify your identity. If you do not provide accurate and complete information during registration or when requesting a Remittance Payment, we have the right to prohibit you from using the Ping Express Remittance Facility Application or decline to process the request. In addition, if you do not provide accurate and complete information during registration or when requesting a Remittance Payment, you may cause errors in your requested remittance payment.
    3. You authorize Ping Express to request a credit report on you and/or to obtain information from other third parties and financial institutions regarding you, the Beneficiary, or the Payment Account. The home address that you provide when registering must be the same as the billing address for your debit card or prepaid card. Ping Express may seek to verify your registration information and any other information in connection with a request for a Remittance Payment, but is under no obligation to do so. You acknowledge that Ping Express is relying upon the information you provide.
    4. Each time you access the Ping Express Remittance Facility Application, you shall be deemed to have confirmed the accuracy and completeness of all registration information.
    5. You authorize Ping Express to charge you the costs associated with verifying your identity in instances a transaction was not complete due to incomplete and inaccurate information.
  4. Description of the Ping Express Remittance Facility Application
    1. You may use the Ping Express Remittance Facility Application to send money to a Beneficiary located in a country other than the United States. The Ping Express Remittance Facility Application may only be used to send Remittance Payments to a Beneficiary located in any permissible beneficiary country designated on the Ping Express Remittance Facility Application from time totime. Ping Express and Ping Express­ designated service providers will process the remittance payment and make funds available for receipt by the designated Beneficiary as described below. You must be at least eighteen (18) years of age and be physically present in the United States in order to use the Ping Express Remittance Facility Application.
    2. Use of the Ping Express Remittance Facility Application does not establish a checking account or any other form of a bank account for you or the Beneficiary with Ping Express or any of its distribution agents. The Ping Express Remittance Facility Application does not constitute or create a fiduciary or escrow capacity between you and Ping Express. Funds held while processing a Remittance Payment request are not insured by the Federal Deposit Insurance Corporation or any other government authority
  5. Authority to Charge Payment Account; Fees and Expenses.
    1. You agree to pay for the amount of the Remittance Payment and Ping Express' transaction and currency conversion service fees and other charges for each Remittance Payment initiated or requested under the Ping Express Remittance Facility Application. By requesting a Remittance Payment through the Ping Express Remittance Facility Application, you authorize Ping Express to charge your Payment Account for the amount of the requested Remittance Payment and any service fees. You understand and acknowledge that Ping Express has no obligation to process or complete a requested Remittance Payment if Ping Express is unable for any reason to obtain authorization or settlement of the funds from charging your Payment Account for the amount of the requested remittance payment.
    2. In the event that the charge to your Payment Account is subsequently returned, charged­back or canceled for any reason, and Ping Express has already processed your Remittance Payment request, you will be responsible to Ping Express for the amount of the Remittance Payment. You agree to pay such amount, plus any applicable service fee or non­sufficient funds (NSF) fee applicable to the return, to Ping Express immediately upon demand. You authorize us to debit your Payment Account for the amount of any of the foregoing amounts.
    3. You may be subject to fees (including a cash advance fee) under your agreement with the bank or other financial institution that issues your debit card when you use such a card for a remittance payment. You should review your card agreement regarding such potential fees.
    4. If a Transfer is not authorized by you, we will immediately issue a refund unless one or more of conditions (a), (b) or (c) below apply. You will not be responsible for the Transfer unless: (a) it can be proven that you have acted fraudulently; (b) you did not tell us that your Profile security details (including username and/or password) had been or might be misused before the payment was made, and it can be proven that you have been grossly negligent in not keeping those details safe or you deliberately did not keep them safe; or (c) you have failed to keep your Profile security details safe without being grossly negligent, and in this case you will only be responsible for the first USD $200 of costs and losses arising before you tell us about the unauthorized transaction.
    5. If you are not liable for a payment, and we cannot collect it from your bank account, debit or credit card, or the payment is reversed, we will have no further liability to you.
  6. Reliance by Ping Express.
    1. You represent and warrant that all information that you enter regarding the Remittance Payment is true and complete. When processing a Remittance Payment, Ping Express may rely on the registration information and remittance payment request information that you provide. You acknowledge that any errors in the information, including misidentification of Beneficiary(s), incorrect or inconsistent account names and numbers, or misspellings, are your responsibility and that Ping Express shall have no liability for executing a Remittance Payment based upon the inaccurate or incomplete information you provided or entered.
    2. There are limits on how much you can send. We will, as necessary, tell you what they are. We may refuse to send the money or allow it to be collected if we reasonably believe that: (a) by doing so we might break any law, regulation, code or other duty that applies to us; (b) doing so may expose us to action from any government or regulator; or (c) it may be linked with fraudulent or illegal activity.
    3. Unless the law prevents us, you can call us to tell you the reasons for our refusal and how you can put right any errors that led to our refusal. If you prefer (and the law allows), or if the law requires, we will return the money to you
  7. Execution of a Remittance Payment Request.

    If your Remittance Payment request is received by Ping Express on a day that is not a Business Day or on a Business Day after an established cut­off time for processing, your Remittance Payment request will not be processed until the next Business Day. The applicable cut­off time may vary from time to time, and will be disclosed to you on the Ping Express Remittance Facility Application.

  8. Payment of Funds to Receiver

    1. Ping Express and/or Ping Express designated service providers will arrange for the delivery of the Remittance Payment to the Beneficiary in the country of the Beneficiary. Payment will be made by means of a credit to a bank account provided by the user or sender, by stored value card (if available), or by other payment instrument. Not all payment methods are available in all countries, and Ping Express reserves the right to change payment method options. Ping Express also reserves the right to select the form of payment to the Beneficiary if there are other means other than the Beneficiary Bank account. Ping Express and/or Ping Express designated service providers will use reasonable efforts to provide payment in form requested, but the Ping Express Remittance Facility Application is not obligated to provide all these payment options for a specific Remittance Payment. If a Beneficiary cannot be located and identified, the Remittance Payment funds may be returned to you either by a credit to your Payment Account or by Check payment, at Ping Express's option.
    2. Ping Express reserves the right to establish identification and verification requirements for a Beneficiary to receive the funds from a Remittance Payment. Ping Express may rely, without further investigation, upon identification information or documentation provided by you or a Beneficiary, including any code or identifier number of the Remittance Payment, when making a payment of funds to the Beneficiary. You agree and acknowledge that Ping Express has the right to decline to deliver the payment to the Beneficiary if the Ping Express cannot verify the identity of the Beneficiary. Although Ping Express has the right to establish identification and verification requirements and the Beneficiary's failure to comply with them is a basis to decline the delivery of the Remittance Payment, Ping Express has no obligation to establish any such requirements.
  9. Currency of Remittance Payment.

    1. Remittance Payments to Beneficiaries are generally made in the currency of the country within which the Beneficiary is located. If permitted by applicable law and the Ping Express Remittance Facility Application, a Remittance Payment may be requested in U.S. Dollars.
    2. If conversion is required, Ping Express and/or Ping Express­designated service providers will convert a U.S. dollar Remittance Payment to the local currency at the exchange rate for a transfer in that amount in effect at the time the Remittance Payment is placed in the system. Regardless of the currency transferred, the actual amount that the Beneficiary receives may be reduced by charges imposed by Ping Express, for converting the US Dollar payment to the local currency, or by other intermediary banks, including a service fee for currency conversion that the local bank in the destination country or the bank of the Beneficiary may charge. The fees for this currency conversion may vary. The amount of the fee will be advised to you by Ping Express when you request the Remittance Payment.
    3. The foreign exchange conversion rate shown while entering the Remittance Payment instructions is only indicative to help you to arrive at an approximate amount that the Beneficiary will receive. It is not a guaranty that the foreign exchange conversion rate that will actually be applied when Ping Express executes the Remittance Payment will be the same. Rather, Ping Express will execute at the foreign exchange conversation rates prevailing on the day of conversion or such other rates as it shall determine in its discretion.
  10. Permissible Remittance Payments.

    You acknowledge that the Ping Express Remittance Facility Application is not intended for use by any person in any jurisdiction or country where such use would be contrary to local law or regulation. You agree that you will only request a Remittance Payment that complies with this Agreement, applicable United States federal and state law, and applicable law in the country of the Beneficiary. You may only use the Ping Express Remittance Facility Application to send Remittance Payments on your own behalf. You may not resell the Ping Express Remittance Facility Application or use the Ping Express Remittance Facility Application to make Remittance Payments on behalf of, or as agent for, another person. You agree that you will not request a Remittance Payment that would result in a violation of the laws or regulations of the United States, including without limitation, the economic sanctions administered by the U.S. Treasury Office of Foreign Assets Control and the U.S. anti­money laundering laws. You agree that you will provide information that Ping Express may request from time to time regarding your identity or the identity of the Beneficiary in order for Ping Express to comply with any applicable laws, including anti­money laundering laws. Ping Express may provide information regarding you, the Beneficiary and your use of the Ping Express Remittance Facility Application to government authorities.

  11. Rejection of Remittance Payment Request.

    1. Ping Express has the right to reject your request for a Remittance Payment, or decline to complete a request for a Remittance Payment once it has been initiated or impose a dollar limitation on your Remittance Payment, without cause or prior notice to you. Without limiting the foregoing, Ping Express may suspend, delay or reject your Remittance Payment request:

      a. if the dollar value of one or more of your remittance payment requests exceed any transfer limits established for the Ping Express Remittance Facility Application;

      b. if Ping Express is unable to charge your Payment Account for the amount of the requested remittance payment and related fees;

      c. if your request is incomplete or unclear;

      d. if Ping Express is unable to confirm your identity or verify any registration or Beneficiary information, including the identity of the Beneficiary;

      e. if Ping Express has some suspicion of fraud or irregularity or illegality;

      f. if Ping Express and/or Ping Express­designated service providers re unable to fulfill your request for any reason; or

      g. for any other reason that Ping Express in its sole discretion deems appropriate or necessary.

    2. You understand and agree that if your request for a remittance payment is rejected for any reason, you will be informed of the rejection during your next online session, by an SMS ­ text message or electronic mail, or by any other reasonable means of notice.
    3. You agree that if Ping Express declines to complete a request for a Remittance Payment for any of the reasons set forth in Section 11.1 above, Ping Express has the right to be reimbursed for any costs or expenses and has the right to retain any authorized fees it may have imposed in connection with the requested Remittance Payment.
  12. Returns Due To Remitter Mistake.

    If Ping Express is unable to complete disbursement of the Remittance Payment to the Beneficiary because you provided incorrect information about the Beneficiary, such as an incorrect bank account, an incorrect or misspelled name, an incorrect or misspelled address, the wrong bank or bank account or any other misinformation, you will be liable for any costs, fees, expenses and losses that Ping Express incurs in returning the Remittance Payment to you, such as processing costs, losses arising due to exchange rate fluctuations, service charges and exchange commissions.

  13. 13. Delays or Non­Execution of Remittance Payment Request.

    You agree that Ping Express shall not be responsible for any delay, failure to execute, or an error in the execution of your Remittance Payment request due to circumstances beyond Ping Express's reasonable control, whether caused by strikes, power failures, equipment malfunctions, acts or omissions of any intermediary bank, war, riots, governmental or court orders, work stoppages or similar occurrences or circumstances. You further agree that that Ping Express may refuse to process or delay processing any request if it would violate any guideline, rule, policy or regulation of any government authority or funds transfer system.

    THE PING EXPRESS REMITTANCE FACILITY APPLICATION IS PROVIDED TO YOU ON AN "AS IS" AND "AS AVAILABLE" BASIS. PING EXPRESS MAKES NO WARRANTIES, EXPRESS OR IMPLIED WITH RESPECT TO THE PING EXPRESS REMITTANCE FACILITY APPLICATION. PING EXPRESS DOES NOT WARRANT THE FUNCTIONALITY OF THE PING EXPRESS REMITTANCE FACILITY APPLICATIONOR THE ACCURACY, ADEQUACY OR COMPLETENESS OF ANY INFORMATION RELATED THERETO AND EXPRESSLY DISCLAIMS LIABILITY FOR NON­FUNCTIONALITY OF THE PING EXPRESS REMITTANCE FACILITY APPLICATION OR ERRORS OR OMISSIONS IN ANY INFORMATION. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NONINFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE PING EXPRESS REMITTANCE FACILITY APPLICATION.

  14. Error Resolution and Cancellation Policy

    For error resolution, transaction cancellation, questions, complaints or a written explanation of your rights, contact us at info@ping­express.com.

    You have a right to dispute errors in your transaction. If you think there is an error, contact us within 60 minutes and provide your name, contact information, the recipient's name, recipient’s bank account, date of transfer, as well as why you believe there has been an error. Ping Express will determine whether an error occurred and will reply to you within 90 days. If Ping Express was at fault, you will be entitled to a full refund or to have the transfer resent free of charge. If no error occurred or Ping Express was not at fault, you will receive a written notice including the information that Ping Express relied on to make that determination.

    Generally, because your designated recipient is paid immediately upon processing your remittance transaction, cancellation of that remittance transaction and/or a refund of a previously requested Remittance Payment will not be processed and Ping Express is under no obligation to honor such a request. If, for some unforeseen reason, your designated recipient was not paid, you can contact us and cancel for a full refund within 30 minutes of payment.

    Ping Express shall not be liable to you for any loss resulting from Ping Express's inability to cancel or refund a Remittance Payment. If Ping Express determines to refund Remittance Payment funds to you, these funds may be returned to you either by a credit to your Payment Account or by check payment, at Ping Express's option. Also, refer to our notice to customers for further details on disputes and how to file or lodge a complaint.

  15. Limitation of Liability
    1. Ping Express will use commercially reasonable efforts to complete the Remittance Payment to the Beneficiary pursuant to your instructions. If the Remittance Payment is delayed or erroneously executed as a result of Ping Express's error or negligence, Ping Express's sole obligation to you is to correct the error or to refund the amount of the requested Remittance Payment and applicable Ping Express fees and charges
    2. Ping Express's liability is limited to, and can never exceed, the amount of the Remittance Payment and applicable Ping Express fees and charges, irrespective of the circumstances or the reasons for your loss. IN NO EVENT SHALL PING EXPRESS BE RESPONSIBLE FOR ANY PUNITIVE, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXPENSES ARISING IN CONNECTION WITH A REMITTANCE PAYMENT OR THE PING EXPRESS REMITTANCE FACILITY APPLICATION EVEN IF PING EXPRESS OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.
    3. The foregoing shall constitute your exclusive remedy under or in connection with this Agreement and the Ping Express Remittance Facility Application. You agree that the foregoing limitation is a reasonable limitation on your remedy under the circumstances of this Agreement and the Ping Express Remittance Facility Application.
    4. You have the responsibility to let us know of any error, delay or other problem with your Remittance Payment within 30 days from the date you receive notification that we have executed the Remittance Payment. If you fail to notify us of any claim concerning your Remittance Payment within one year from the date that you received notification that your Remittance Payment has been executed, any claim by you will be barred under applicable law.
  16. Indemnity

    In consideration of the agreement by Ping Express to provide you with the Ping Express Remittance Facility Application, you agree to indemnify and hold Ping Express harmless from and against any and all claims, suits, judgments, executions, liabilities, losses, damages, costs, and expenses ­including reasonable attorney's fees ­ in connection with or arising out of (i) your use of the Ping Express Remittance Facility Application, (ii) your breach of this Agreement, or (iii) Ping Express acting upon your request for a remittance payment pursuant to this Agreement. Without limiting the generality of the foregoing indemnification obligation, you shall indemnify Ping Express for any losses caused due to any inaccurate, non­ current or incomplete information that you provided to Ping Express and for any losses due to your failure to maintain the secrecy and confidentiality of all your IDs and passwords and due to the unauthorized use of your ID and/or password.

  17. Arbitration of Disputes.

    1. You understand and agree that Ping Express may require any dispute arising from your use of the Ping Express Remittance Facility Application be resolved by binding arbitration. Ping Express may designate an arbitrator or arbitration panel administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.Decisions of any arbitration process shall be binding on you.
    2. Severability: If any provision of the Terms and Conditions is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavour to give appropriately valid effect to the intention of the Terms and Conditions as reflected in the provision, and the other provisions of the Terms and Conditions shall remain in full force and effect.
  18. Amendments.

    1. Ping Express reserves the right to change the terms and conditions contained in this Agreement, which may include adding to them or deleting certain provisions entirely or partially, without prior notice to you, unless otherwise required by law, If we choose to notify you or are required by law to notify you of changes to this Agreement, we may mail or deliver a notice, or an electronic message to you at the last telephone number or address we have on file for you. Certain fees may change without notice to you.
    2. Ping Express may modify this Terms and Conditions from time to time without notice to you, except as may be required by law. You can review the most current version of the Terms and Conditions at any time by reviewing this website. You may terminate your use of the Service if you do not agree with any modification or amendment. If you use the Service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification. You agree that you shall not modify this Terms and Conditions and acknowledge that any attempts by you to modify this Terms and Conditions shall be void.
    3. No Waiver: The failure of Ping Express to exercise or enforce any right or provision of the Terms and Conditions shall not constitute a waiver of such right or provision.
    4. Entire Agreement: This agreement constitutes the entire agreement between the parties and supersedes all prior understandings or agreements relating to the subject matter of this agreement.
  19. Electronic Communication

    In order to use the Ping Express Remittance Facility Application, you consent to receive and accept this Agreement, any amendment to this Agreement, and all notices relating to the Ping Express Remittance Facility Application by means of electronic (SMS­text message or email) communications. In the event any change to this Agreement requires prior notice to you, Ping Express will notify you by SMS­text message or email, at the telephone number or email address that you provided when registering for the Ping Express Remittance Facility Application, or the amended Agreement or will provide you with a link in such SMS­text message or email to where you may view the revised or amended Agreement. A record of each remittance payment will be made available to you by Ping Express electronically on the Ping Express Remittance Facility Application. You acknowledge and agree that in order to use the Ping Express Remittance Facility Application you must have a Android device or iPhone or a monitor and computer equipped with at least: an Internet browser with 128 bit encryption and either a printer or a disk drive or other electronic storage device. You agree that if you remove your consent to receive electronic communications, Ping Express will terminate your use of the Ping Express Remittance Facility Application. You further acknowledge and agree that all SMS­ text message and email notices sent to you regarding the status of remittance payment request are only service messages, and will not be considered an official record of Ping Express with respect to the remittance payment requested through the Ping Express Remittance Facility Application. In the event of a conflict, the official records of the Ping Express will control over any service messages.

  20. Termination of Profile
    1. We may, without notice (except as required by law) and without liability to you, terminate or suspend your access to the Ping Express Remittance Application at any time, including without limitation, if: (a) you attempt to Transfer or charge funds from an account that does not belong to you or from an account which does not have sufficient available funds or has expired, or if you are paying by credit card, there is an insufficient available line of credit; (b) your financial institution attempts to charge back a Transfer on the basis of a dispute related to a Transfer; (c) you provide incorrect or false information about yourself, your debit or credit card details or about a Recipient; (d) you attempt to tamper, hack, modify or otherwise corrupt the security or functionality of the Ping Express Remittance Application; (e) we receive conflicting claims regarding ownership of, or the right to withdraw funds from a debit or credit card account; (f) you have breached a term or condition of this Agreement, or any representation or warranty that you make under this Agreement is false; (g) we determine that your Profile is inactive; (h) we believe that the Transfer may expose us to action from any government or regulator. We may without liability to you, terminate or suspend your access to the Ping Express Remittance Application at any time and for any reason by giving you 30 days’ notice
    2. To close your Profile, contact Customer Service through the Website. If we close your Profile for any reason, we may, in our sole discretion, cancel your pending Transfer requests.
  21. Governing Law.

    This Agreement shall be governed by federal law of the United States of America and, where not in conflict with or preempted by such federal law, the laws of the state of Texas, as applicable, without regard to conflict of law principles.

  22. Use of Information; Privacy Policy

    Ping Express may use and disclose to third parties (including to Ping Express­designated service providers) your registration information and remittance payment information in order to process a requested remittance payment, to validate your identity, to validate your registration information, to resolve a dispute, to enforce Ping Express's rights and for any other purposes permitted by law. You consent to our collection, transfer and storage of your personal information by computers or other transfer or storage devices in the United States and elsewhere.

  23. Agreement to Terms and Conditions.
    1. By signing up for the Ping Express Remittance Facility Application, you acknowledge that you have read, understood, accept and agree to the terms and conditions of this Agreement. You also confirm that you are able to print or download a copy of this Agreement.
    2. Any external links to third­party websites on the website are provided as a convenience to you. These sites are not controlled by us in any way and we are not responsible for the accuracy, completeness, legality or any other aspect of these other sites including any content provided on them. You access such websites at your own risk.

    FIEM Group LLC dba Ping Express or Ping Express LLC in the State of Maryland, is a licensed U.S money transmitter located at 1327 Empire Central Drive, Dallas TX 75247. For additional information and further disclosures, refer to our notice to customers.

  24. For Texas Residents

    FIEM Group LLC dba Ping Express under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Ping Express hould contact the Texas Department of Banking. Ping Express also engages in money transmission and/or currency exchange business under Chapter 151 of the Texas Finance Code. If you have a complaint, first contact the consumer assistance personnel at Ping Express toll­free at 1­866­346­2883 or 1­844­887­4644. After first contacting Ping Express, if you still have an unresolved complaint regarding money transmission orcurrency exchange activity; please direct your complaint to the Texas Department of Banking.

    Consumers/customers may file complaints with the Texas Department of Banking by contacting the Department through one of the means indicated below:​ In person or by U.S. mail:
    2601 North Lamar Boulevard, Suite 300
    Austin, Texas 78705­4294
    Telephone: (877) 276­5554
    Fax: (512) 475­1313
    E­mail: consumer.complaints@dob.texas.gov
    Website: www.dob.texas.gov

Security

We take security very seriously at Ping Express, and we work hard, using state­of­the­art security measures, to make sure that your information remains secure. The Ping 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 using our contact form. Similarly, if you receive any emails, purporting to be from Ping Express, which you suspect may be "phishing" (fake) emails, please forward them to us using our contact form.

Moneytun Terms and Conditions

You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if MONEYTUN LLC does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you.

If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money.

If you want a refund, you must mail or deliver your written request to MONEYTUN LLC at 3651 Lindell Rd Suite D225, Las Vegas NV 89103. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to $1,000 and attorney’s fees pursuant to Section 2102 of the California Financial Code.

This transaction is subject to the rules and conditions listed on this order receipt. These terms are not negotiable. No person can alter, waive, add or integrate any clause, condition or provision of this agreement, either orally or in writing. Girosol Corp. (GIROSOL) and its agents, in their sole discretion, may decline to accept or pay any order that may violate any applicable law or GIROSOL's policy. Complaints will not be accepted after 180 days from the date of this receipt.

CURRENCY EXCHANGE: U.S. currency is converted to foreign currency at an exchange rate set by GIROSOL. Any income caused by the difference between the foreign exchange rate quoted to the customers and the foreign exchange rate obtained by GIROSOL for the purchase of the foreign currency will be absorbed by GIROSOL in addition to any transfer fees. Current foreign exchange rates can be obtained by calling our toll-free number 1-800-447-6765.

REFUND POLICY: Refunds and cancellation of the order will processed by Customer Service toll free 1-800-447-6765.

You have a right to dispute errors in your transaction. If you think there is an error, contact Girosol Corp. (GIROSOL) within 180 days at (800)GIROSOL (800)447-6765 or www.girosol.com. You can also contact us for a written explanation of your rights.

You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited at the time the request is processed by GIROSOL.

According to GIROSOL’s Privacy Policy, personal customer records and information are confidential. Only members of the Compliance Department or Senior Officers may release customer records or information to anyone other than the customer or a party authorized to act on his/her behalf under a power of attorney. Customer records or information may be released: 1) to local, state, federal or foreign authorities, 2) to our regulators, 3) to comply with a law or regulation, 4) to comply with a governmental or court order or request.

Refund and cancellation of the order will be made upon Sender’s request if payment to the Beneficiary has not yet been made at the time the request is processed by GIROSOL. GIROSOL will not make any refund unless, and until it has received from the paying agent the confirmation of cancellation of the order. No refund shall be made if, as a result of erroneous or incomplete identification or information provided by the customer, payment was issued to another beneficiary.

Girosol Términos y Condiciones

El beneficiario puede recibir menos monto debido a cargos cobrados por el banco de beneficiario y/o inpuestos extranjeros.

}Usted tiene el derecho de disputar errores en su transacción. Si usted cree que hay un error, póngase en contacto con Girosol Corp. (GIROSOL) dentro de 180 días, llamando a (800)GIROSOL, (800)447-6765 o www.girosol.com. Usted tambien puede contactarnos para obtener por escrito una explicacion de sus derechos. Usted puede solicitar la anulación de la orden para obtener un reembolso completo dentro de los primeros 30 minutos, a menos que los fondos hayan sido pagados o depositados antes de que GIROSOL procese su solicitud. Para preguntas o quejas sobre GIROSOL, contacte al California Department of BUsiness Oversight llamando al (866)275-2677, http://www.dbo.ca.govo Oficina de Protección Financiera al Consumidor llamando al (855)411-2372 o (855)729-2372 (TTY / TDD), www.consumerfinance.gov

Esta transacción está sujeta a las reglas y condiciones enumeradas en esta orden de recibo. Estos términos no son negociables. Ninguna persona puede alterar, renunciar, agregar o integrar cualquier cláusula, condición o provisión de este acuerdo, aun sea oral o escrito. Girosol Corp. (GIROSOL) y sus Agentes, a discreción de ellos, podrían negarse a aceptar o pagar un envió que pueda violar alguna ley aplicable o política de GIROSOL. No se aceptaran reclamaciones después de 180 días de la fecha de este recibo.

Pontual User Agreement

This User Agreement governs the terms under which you may access and use this website and the services associated with it (together, the "Service"). Do not access or use the Service if you do not agree to be bound by the User Agreement. By accessing and using the Service, you are agreeing to the User Agreement.

As used throughout this User Agreement, the terms "Pontual Money Transfer", "we", "us", and "our" refer to Pontual Money Transfer, a trade name of Pronto Money Transfer, Inc., a California corporation, together with its employees, directors, successors, affiliates, and assignees. The terms "you" and "your" refer to users of the Service, whether in their capacity as Senders, Recipients, or Visitors to this website.

  1. OVERVIEW OF THE SERVICE

    The Service allows people to send and receive money around the world. A "Sender" is someone who uses the Service to send money. A "Recipient" is someone who uses the Service to receive money through the Service. The "Destination Country" is the country in which the Recipient receives money through the Service. A "Transaction" is a specific instruction to send money through the Service. The "Transaction Amount" is the amount that the Sender provides for transmittal to the Recipient, excluding applicable fees and prior to any foreign exchange conversion. The "Payout Amount" is the amount paid out to the Recipient, excluding any taxes or charges that may be levied under the laws of the Destination Country (the "Local Taxes").

  2. ACCESSING THE SERVICE
    1. Eligible Users. You must be at least eighteen (18) years old to access or use the Service as a Sender. You must be able to form legally binding contracts under applicable law. Other restrictions may apply.
    2. Not Available to Certain Residents. The Service may not be available in whole or in part in different states, countries, and jurisdictions.
    3. Offer and Acceptance. If you submit a Transaction, you are requesting that we process your Transaction, an offer which we may accept or reject at our sole discretion.
  3. PAYMENT
    1. Charges. For each Transaction that you submit, you agree to pay us a service fee (the "Service Fee") plus the Transaction Amount. Additional charges may apply. Payment is due at the time your transaction is submitted for processing. Pontual Money Transfer only accepts payment in U.S. Dollars. If you submit a transaction that results in Pontual Money Transfer being charged with NSF fees, chargeback fees, or other similar fees, you agree to reimburse us for all such fees.
    2. Payment. In order for us to collect payment from you, you authorize us to access or debit funds from any of the payment instruments you provide us in connection with your use of the Service (each, a "Payment Instrument" including, for example, your credit/debit card or bank account). If your payment fails or is insufficient, you authorize us to re-try one or more times using the same or a different Payment Instrument. For example, if there are insufficient funds in your bank account at the time you submit your Transaction, we may try to debit your bank account at a later time. You represent and warrant that you are the lawful owner of your Payment Instrument(s).
    3. Other Charges. Pontual Money Transfer is not responsible for any fees or charges that may be imposed by the financial institutions associated with your Payment Instruments. Pontual Money Transfer is not responsible for any insufficient funds charges, NSF fees, chargeback fees, or other, similar charges that might be imposed on you by your bank or other provider.
    4. Foreign Currencies. Pontual Money Transfer and its Service Providers usually make money when you pay for a Transaction in one currency, and the Transaction is paid out in another, based on the difference between the exchange rate at which we buy foreign currency and the exchange rate provided to you. You agree that, when you send a Transaction to a Recipient's bank account, that the bank account is denominated in the same currency as the Transaction.
  4. DISBURSEMENT

    Service Providers. We work with local destination banks, money exchange houses, and other third party service providers (each, a "Service Provider") to pay funds out to Recipients. You, in your capacity as a Sender, hereby appoint your Recipient as your agent for the purpose of receiving funds in connection with the Service. We attempt to provide up-to-date information on our website regarding the location, availability, and hours of our Service Providers. However, you agree that Pontual Money Transfer is not responsible for any inaccurate or incomplete information that may be posted on the site.

  5. RESTRICTIONS
    1. General. We may, at any time and in our sole discretion, refuse any Transaction or limit the amount to be transferred, either on a per transaction basis or on an aggregated basis. Any such limits may be imposed on individual accounts, linked accounts, or on related accounts or households, in Pontual Money Transfer's sole discretion. We reserve the right at any time, and from time to time, to modify or discontinue the Service (or any part thereof) with or without notice.
    2. Delays. Your Transaction may be delayed or cancelled in the course of our efforts to verify your identity, validate your Transaction instructions and Payment Instruments, contact and locate you, and otherwise comply with applicable law. Business hours and currency availability may also play a role. Nevertheless, you may be entitled to a refund in certain circumstances, as described herein.
    3. Unauthorized Transactions. You may not use the Service in violation of this User Agreement or applicable laws, rules or regulations. It is a violation of the User Agreement to use the Service for any of the following activities (without limitation): sexually-oriented materials or services, gambling activities, fraud, money-laundering, the funding of terrorist organizations, or the purchase or sale of tobacco, firearms, prescription drugs, or other controlled substances; or to send money to a Recipient that has violated the User Agreement. If you use the Service in connection with illegal conduct, Pontual Money Transfer reserves the right to report you to the appropriate law enforcement agency or agencies.
    4. Ineligibility. Not all Payment Instruments are available to all customers at all times. We may, in our sole discretion, refuse Transactions funded from certain Payment Instruments. We may, at our sole discretion, refuse Transactions from certain Senders and to certain Recipients, including without limitation, entities and individuals that are included on the Specially Designated Nationals list, Non-cooperative Countries and Territories list, and such other lists as may be issued from time to time by the U.S. Department of Treasury and other government agencies.
    5. Transactions on Behalf of Others. You may not submit or receive a Transaction on behalf of any other person. If you intend to submit or receive a transaction on behalf of a business or other non-human entity, you must inform Pontual Money Transfer of your desire to do so. You agree to provide us with additional information about any such entity, as requested by Pontual Money Transfer.
    6. No Changes. We generally do not let you change the details of your Transaction once it's submitted to us for processing. It is your responsibility to make sure your Transaction details are accurate.
    7. Restricted Activities. In connection with your use of our website or the Service, or in the course of your interactions with Pontual Money Transfer, a user or a third party, you will not:
      1. Breach this User Agreement, or any other agreement between you and Pontual Money Transfer;
      2. Open more than one account, without our prior written permission;
      3. Provide false, inaccurate, or misleading information;
      4. Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us;
      5. Use an anonymizing proxy;
      6. Use any robot, spider, other automatic device, or manual process to monitor or copy our website without our prior written permission.
  6. COLLECTION OF INFORMATION
    1. Privacy Policy. By agreeing to this User Agreement, you acknowledge and consent to Pontual Money Transfer's Privacy Policy. The Privacy Policy can be found by clicking here: Privacy Policy.
    2. Customer Identification Program. To help the government fight the funding of terrorism and money laundering activities, U.S. law requires that we obtain, verify, and record information about you. We may require that you provide us with nonpublic, personal, identifying information. We may also lawfully obtain information about you from other sources without your knowledge, including non-personal identifying information that we may obtain while you visit this website. Please see our Privacy Policy.
    3. Government Disclosures. We may provide information about you and your Transactions to government authorities and enforcement agencies, as described in our Privacy Policy.
    4. Verifying information. You authorize us, directly or through third parties, to make any inquiries we consider necessary to validate the information that you provide to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your email address or financial instruments, verifying your information against third party databases, or through other sources.
  7. PROBLEMS

    General. Please let us know if you have any problems with the Service. You can contact us using the contact information at the bottom of this User Agreement. Residents of certain jurisdictions may also consider the following:

    California. If you have complaints with respect to any aspect of the money transmission activities conducted with Pontual Money Transfer, you may contact the California Department of Business Oversight at its toll-free telephone number, 1-866-275-2677, by email at consumer.services@dbo.ca.gov, or by mail at Department of Business Oversight, Consumer Services, 1515 K Street, suite 200, Sacramento, CA 95814.

    The following applies only to Transactions that are submitted by Senders in California.

    RIGHT TO REFUND: You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Pronto Money Transfer, Inc. does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted you have a right to a refund of your money.

    If you want a refund, you must mail or deliver your written request to Pronto Money Transfer, Inc. at 111 N. Sepulveda Blvd, Suite 340, Manhattan Beach, CA 90266. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to $1,000 and attorney's fees pursuant to section 2102 of the California Financial Code.

    Error Resolution and Cancellation Disclosure: You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days at 877-766-8825 or info@pontualmt.com. You can also contact us for a written explanation of your rights. You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited. For questions or complaints about Pronto Money Transfer, Inc. contact: California Department of Business Oversight, 1-866-275-2677 www.dbo.ca.gov, email: consumer.services@dbo.ca.gov or Consumer Financial Protection Bureau 855-411-2372, 855-729-2372, & (TTY/TDD) www.consumerfinance.gov. Recipient may receive less due to fees charged by the recipient's bank and foreign taxes.

  8. Pontual Money Transfer INTELLECTUAL PROPERTY
    You acknowledge that the Service, including but not limited to the content of this website, text, graphics, links, buttons, logos, and images, as well as all other Pontual Money Transfer copyrights, trademarks, service marks, logos, and product and service names are owned exclusively by Pontual Money Transfer (the "Pontual Money Transfer Intellectual Property"). You agree not to display, use, copy, or modify the Pontual Money Transfer Intellectual Property in any manner. You are authorized solely to view and retain a copy of the pages of this website for your own personal, non-commercial use. You further agree not to: (i) use any robot, spider, scraper or other automated device to access the Service; (ii) remove or alter any author, trademark or other proprietary notice or legend displayed on this website (or printed pages thereof); or (iii) infringe Pontual Money Transfer's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy.
  9. DISCLAIMER OF WARRANTIES

    THE SERVICE IS PROVIDED "AS IS" AND WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED OR STATUTORY. WE, OUR SUBSIDIARIES, EMPLOYEES AND OUR SUPPLIERS SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

    We make reasonable efforts to ensure that Transactions are processed in a timely manner, but we make no representations or warranties regarding the time needed to complete processing because the Service is largely dependent on many factors outside our control. Some jurisdictions do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you. This warranty gives you specific legal rights and you may also have other legal rights that vary state to state. Notwithstanding the foregoing, you may have a right to a refund as expressly described herein.

  10. INDEMNITY
    You agree to indemnify, defend and hold Pontual Money Transfer, Service Providers, and their respective subsidiaries, affiliates, officers, directors, agents, partners, and employees harmless from any and all claims or demands, including reasonable attorneys' fees, made by any third party due to or arising out of (i) your use of the Service, (ii) your connection to the Service, (iii) your violation of the User Agreement, (iv) your violation of any applicable state or federal laws or regulations, (iiv) your violation of any rights of another, and (iiiv) any intentional wrongdoing of any kind.
  11. LIMITATION OF LIABILITY
    EXCEPT FOR CLAIMS UNDER SECTION 1810.5(C) OF THE CALIFORNIA FINANCIAL CODE ARISING FROM TRANSACTIONS ORIGINATING IN CALIFORNIA, IN NO EVENT SHALL Pontual Money Transfer, SERVICE PROVIDERS, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, OR EMPLOYEES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES BEYOND THE SUM OF $500.00 (IN ADDITION TO REFUNDING THE TRANSACTION AMOUNT AND SERVICE FEES), INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF Pontual Money Transfer HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM NEGLIGENCE ON THE PART OF Pontual Money Transfer, DISBURSEMENT PARTNERS, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, OR EMPLOYEES.
  12. DISPUTE RESOLUTION AND GOVERNING LAW
    1. Governing Law. This User Agreement shall be governed according to the laws of the State of California, and all activities performed in connection with the Service shall be deemed to have been performed in California. Any controversy, dispute, or claim arising out of or relating to the Service or User Agreement (a "Claim") shall be governed by and construed in accordance with the laws of California, except that body of law governing conflicts of law.
    2. Disputes with Pontual Money Transfer. If a dispute arises between you and Pontual Money Transfer, our goal is to learn about and address your concerns and, if we are unable to do so to your satisfaction, to provide you with a neutral and cost effective means of resolving the dispute quickly. Disputes between you and Pontual Money Transfer regarding the Service may be reported to Customer Service by telephone at 1-877-766-8825 (outside the United States, call 1-424-237-1840); by fax at 310-388-5457; or by mail at Pontual Money Transfer, Attn: Customer Service, 111 N. Sepulveda Blvd, Suite 340, Manhattan Beach, CA 90266, USA.
    3. Arbitration. For any claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000.00 USD, the party requesting relief may elect to resolve the dispute in a cost-effective manner through binding non-appearance-based arbitration. If a party elects arbitration, that party will initiate such arbitration through an established alternative dispute resolution (ADR) provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
    4. Forum for Disputes. Except as otherwise agreed by the parties or as described in section 12(c) above, you agree that any claim or dispute you may have against Pontual Money Transfer must be resolved by a court located in Los Angeles County. You agree to submit to the personal jurisdiction of the courts located within Los Angeles County, California for the purpose of litigating all such claims or disputes.
    5. Improperly Filed Litigation. All claims you bring against Pontual Money Transfer must be resolved in accordance with section 12 of this Agreement. All claims filed or brought contrary to section 12 shall be considered improperly filed, and a breach of this Agreement. Should you file a claim contrary to section 12, Pontual Money Transfer may recover attorneys' fees and costs (including in-house attorneys and paralegals) up to $1,000.00 USD, provided that Pontual Money Transfer has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim.
  13. ELECTRONIC COMMUNICATIONS
    1. You acknowledge that this User Agreement shall be entered into electronically, and that the following categories of information ("Communications") may be provided by electronic means: (i) this User Agreement and any amendments, modifications or supplements to it; (ii) your records of transactions through the Service; (iii) any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by federal or state law; (iv) any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Service; (v) any other communication related to the Service or Pontual Money Transfer.
    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 User Agreement.
    3. In order to access and retain Communications, you must have: (i) an Internet browser that supports 128-bit encryption, such as Internet Explorer version 4.0 or above, (ii) an e-mail account and e-mail software capable of interfacing with Pontual Money Transfer's e-mail servers, (iii) a personal computer, operating system and telecommunications connections to the Internet capable of supporting the foregoing, (iv) sufficient electronic storage capacity on your computer's hard drive or other data storage unit, (v) 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 https://www.PontualMT.com/PersonalDetails.aspx.
  14. MISCELLANEOUS
    1. Entire Agreement. The User Agreement constitutes the entire agreement between you and Pontual Money Transfer and governs your use of the Service, superseding any prior agreements between you and Pontual Money Transfer.
    2. No Waiver. The failure of Pontual Money Transfer to exercise or enforce any right or provision of the User Agreement shall not constitute a waiver of such right or provision. If any provision of the User Agreement is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavor to give appropriately valid effect to the intention of the User Agreement as reflected in the provision, and the other provisions of the User Agreement shall remain in full force and effect.
    3. Modification. We may modify this User Agreement from time to time without notice to you, except as may be required by law. You can review the most current version of the User Agreement at any time by reviewing this website. You may terminate your use of the Service if you do not agree with any modification or amendment. If you use the Service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification. You agree that you shall not modify this User Agreement and acknowledge that any attempts by you to modify this User Agreement shall be void.
    4. Language. In the event there is any inconsistency between the English and other language text on this website, including the User Agreement, the English text shall be binding.
  15. SECURITY AND FRAUD PREVENTION

    Your security is very important to Pontual Money Transfer, and we work hard, utilizing state-of-the-art security measures, to make sure that your information is secure. Pontual Money Transfer is a safe and convenient way to send money to family members and to other people that you trust. But we urge you to consider carefully before sending money to anyone that you do not know well. In particular, you should be cautious of deals or offers that seem too good to be true. To learn more about fraud prevention, please refer to our advisory at Prevention of Frauds, Scams and Elder Abuse. If you think you have been or might be a victim of fraud, please contact us immediately by telephone at 1-877-766-8825 (outside the United States, call 1-424-237-1840). If you are aware of anyone or any entity that is using the Service inappropriately, please email us at abuse@pontualmt.com. And if you receive any fake (phishing) emails, purporting to be from Pontual Money Transfer, please forward them to us at abuse@pontualmt.com.

  16. CONTACT INFORMATION

    Questions, notifications, and requests for refunds or further information can be sent to Pontual Money Transfer, as follows: by telephone at 1-877-766-8825 (outside the United States, call 1-424-237-1840); by fax at 310-388-5457; or by mail at Pronto Money Transfer, Inc., Attn: Customer Service, 111 N. Sepulveda Blvd, Suite 340, Manhattan Beach, CA 90266, USA.

Girosol User Agreement

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Live chat with us or send a text message to (305) 306-3213

The delivery times listed are our best estimates.
We do everything we can to have your funds sent to your recipient as fast as possible. Occasionally, some events may affect the speed of service, including:

  1. Approval by our technology system: ensures the security of all your information.
  2. Hours of operations/holidays: Our partners, payers, and banks are around the world and may not be available when your transaction is sent for processing.
  3. Unforeseen obstacles in the receiving country.
  4. Availability of funds from your selected payment account.

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