Terms of Service & User Agreement

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 atcustomerservice@WireCash.comand put Report Fraud in the subject line.

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.
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.
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.
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.
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, 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.
  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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Contact Information
  1. Questions, notifications, and requests for refunds or further information can be sent to WireCash, as follows: online atCustomerService@WireCash.com.
La Nacional User Agreement and Terms of Service

Following the rules of the Financial Services Modernization Act (GLB), Envios de Valores La Nacional Corp. and its agents will take ali the necessary steps in order to protect the security and confidentiality of all non-public personal information. lt is a violation of Federal Law and a Material breach of this company policy to make an unauthorized or unlawful use of the information provided by our customers.

We remind you that under federal anti-money laundering laws, agents and employees are required to comply with certain regulations. Penalties that range from large nes, forfeiture of assets and /or imprisonment will be imposed on any agent or employee who violates any of the federal or state anti-money laundering standards.

Privacy Policy

lf you have any questions or concerns please contact us at:
Envíos de Valores La Nacional Corp. 566 West,
207th New York, NY 10034
Phone.: 917-529-0700 / 1-800-381-1008

Customer Rights

When you’re sending money to another country, in most cases you have new federal rights to protect you, including your right to:

  • Have the money delivered to the correct person or business.
  • Before you pay, and after the transfer is sent, receive information about:
    • exchange rate (if any)
    • certain fees
    • taxes
    • amount to be received
  • Cancel a transfer, generally within 30 minutes after it is sent, at no cost.
  • Report a problem to the company within 180 days and have it investigated. The company has to look into the problem within 90 days and report an outcome to you.
  • In some cases, you may get a refund or have the transfer sent again.

Error resolution notice on periodic statements

In Case of Errors or Questions About Your Electronic Transfers Telephone us at 917-529-0700, Write us at 566 West 207 Street New York, NY10034 [or email us at customerservice@lanacional.com] as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

  1. Tell us your name and account number (if any).
  2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Compliance Program

The compliance program Shipments National Securities Corp. was created to comply with all laws and regulations necessary to MSBs (Money Service Business - MSB) such as: Bank Secrecy Act (Bank Secrecy Act-BSA), OFAC rules, the USA Patriot Act and all other federal and state regulations.

Legal Compliance program the company complies with Section 352 of the USA Patriot Act, which states that a compliance program should include the following four elements:

  • Controls, policies and procedures.
  • Appoint a Compliance Officer.
  • Independent testing of the compliance program.
  • Adequate training program.

Controls, policies, and procedures

The company has created a legal compliance manual that incorporates all policies and procedures regarding compliance with the BSA and the prevention of money laundering. The compliance manual also details the rules for compliance with OFAC, the Know Your Customer procedures, registration requirements, etc.

Because of the importance played by actors in the implementation of the compliance program of the company, the company has created a "Manual Anti-Money Laundering for agents". In this manual, the company specifies the responsibilities of the agent, not only under the law, but also in the compliance program of the company.

Compliance Officer Designate

To ensure proper performance, the company has appointed a Compliance Officer, CAMS certificate, which reports directly to the President of the company. The Compliance Officer Compliance has an assistant and an additional 4 staff persons responsible for the daily functions of the compliance department.

Independent testing of the compliance program

The company has established and automated the process to monitor all transactions. This automated process takes into account all regulatory requirements of the law. Every transaction is reviewed for compliance with OFAC and compliance with the Bank Secrecy Act.

Adequate staff training

The company has established a training program addresses all compliance officers, employees of companies (including representatives of the shops) and the department of legal compliance. The Compliance Officer is responsible for implementing the program of legal compliance of the company. The company keeps records of legal compliance training provided by the company. All agents will be sent a copy of our "Manual of Anti Money Laundering for agents" when it is part of the company. The compliance department also employs specialists whose functions are based on adequate training of new agents training and monitoring with current agents. The Compliance Officer shall make regular visits to agents to evaluate the training provided and periodically sends correspondence to the point of sale of the company about the importance of compliance applicable to MSBs.

Functions of the Compliance Program

The company has established and automated the process to monitor all transactions. This automated process takes into account all regulatory requirements of the law. Every transaction is reviewed for compliance with OFAC and compliance with the Bank Secrecy Act.

State Policy

Money laundering is a vital component of drug trafficking and other crimes worldwide. Money laundering is the process by which nature or source of illegal funds is hidden and concealed to appear legitimate

In the United States, the Bank Secrecy Act requires the Money Services Businesses and other financial institutions reporting of currency transactions of more than $ 10,000 and maintain a variety of records to help the government in the prevention and detection criminal activity, including identification records of wire transfers and cash sales of monetary instruments of $ 3,000 or more. In addition, the Bank Secrecy Act makes it an offense to "structuring" or break operations under registration requirements and file to evade BSA reporting requirements or place. Structuring or not comply with the Bank Secrecy Act may result in the imposition of large civil and criminal penalties against the financial institution and any employee involved in the transaction. People also can be imprisoned up to 10 years, and the money involved in the transaction may be impounded.

Under the laws Anti Money Laundering US, is also a crime for anyone to knowingly participate in any financial or commercial transactions or international transport or transfer of funds derived from drug trafficking or other criminal activity . Knowledge can be created by checking that the person was "willfully blind" or "deliberately indifferent" to the source or origin of funds. Violations of laws Anti money laundering may be more serious and severe violations of the Bank Secrecy Act. Companies and persons convicted of money laundering can be fined up to $ 500,000 or twice the value of the laundered funds, whichever is greater, for each violation and individuals face up to 20 years in prison. Further, the government can seize and confiscate the proceeds of drug trafficking and other crimes and any property from and / or involved in criminal activity. The mere fact allegedly associated with money launderers may result in the loss of reputation of financial institution and trust of its customers.

MSB have become vulnerable to possible money laundering schemes because, like banks, allow the movement of funds to almost anywhere in the world. Recent criminal investigations have shown that money launderers can transmit money in amounts less than $ 10,000 to evade reporting requirements for cash transactions, using false identification to transmit funds and purchase money orders and traveler's checks and sending transfers bank for amounts less than $ 3,000 to avoid identification requirements.

Compliance Policy

Shipments National Securities Corp. ( "National") is committed to complying fully with not only the letter of the Bank Secrecy Act, but also his spirit, and take active measures to detect, prevent and report to authorities relevant government, to the extent permitted by the laws and regulations, and violations of the Bank Secrecy Act, the statutes laundering of money and other crime is suspected. While the vast majority of funds transferred by La Nacional are operations from the US to other countries (for example, money is sent by people working in the United States to their families outside the United States or by companies wish to quickly transfer funds abroad)

Know your customer policy

An effective way to prevent criminals from using the services of La Nacional, is to adopt and follow an effective policy "Know Your Customer". Policy "Know Your Customer" of La Nacional requires it and its agents made a reasonable effort to determine the true identity of each client and be alert to customers who use the products and services of La Nacional to ensure that La Nacional Do not fall victim to illegal practices. It is for this reason that La Nacional has implemented procedures to comply with the Bank Secrecy Act and Anti Money Laundering (Compliance Manual) for employees and agents, which, inter alia, contain strict procedures for obtaining identification and other customer information within the limits set by La Nacional before processing transactions. Information obtained to send and receive transactions also used for control purposes to identify transactions that are reported on reports of cash transactions ( "CTR"), and the possible structuring to avoid reporting BSA or requirements registration or any procedure National, possible money laundering or other criminal or unusual to report to the appropriate governmental authorities activity.

Agreement

This transaction is subject to the rules and conditions stipulated in this bill. His signature is acceptance. This receipt is invalid if it is not processed through the computer system of La Nacional and contains computer-generated printing the name and address of the agent and correct receipt number. Shipping National Securities Corp. (National) responsible for any delay or delivery. Except as agreed below.

Customers requesting a refund must bring the original receipt and a photo ID at the right place at the front of receipt. No you can return or refund if there is error in identification or information provided by the customer. Claims may require (15) working days to resolve, additional charges could be included if an error was committed by the customer. We are not obligated to make any refund for delayed payment until we receive confirmation of cancellation shipment from our correspondent. No claims after 180 days of the date of this receipt will be accepted.

If for some reason the shipment has not been paid and money is not claimed or provide further instructions, during the period of six months from the date the shipment was made, it will apply a cost of $ 2.00 per month. This charge will be obtained from the transaction sent to compensate National additional administrative maintenance associated with these transactions.

La National is a company dedicated to sending money. It is authorized and subject to the regulations of the Department of Banks of New York and other states. Any claim in New York can be directed to "The New York State Banking Department", located at 1 State St. New York, NY 10004-1417. Attn: Consumer Service Division. Claims from other states can be sent to La Nacional, 566 W. 207th St. New York, NY 10034.

POLÍTICA DE ESTADO

El lavado de dinero es un componente vital del tráfico de drogas y otros delitos en todo el mundo. El blanqueo de capitales es el proceso mediante el cual se oculta la naturaleza o la fuente de fondos ilegales y se encubre para parecer legítimos

En los Estados Unidos, la Ley de Secreto Bancario requiere a las Empresas de Servicios Monetarios y otras instituciones financieras a presentar informes de transacciones de divisas de más de $ 10.000 y para mantener una variedad de registros para ayudar al gobierno en la prevención y detección de actividad criminal, incluyendo los registros de identificación de transferencias electrónicas y las ventas en efectivo de instrumentos monetarios de $ 3,000 o más. Además, la Ley de Secreto Bancario hace un delito la "estructuración" o romper las operaciones por debajo de los requisitos de registro y archivo de evadir la presentación de informes BSA o requisitos de lugar. Estructuración o no cumplir con la Ley de Secreto Banco puede dar lugar a la imposición de sanciones grandes civiles y penales en contra de la institución financiera y de cualquier empleado involucrado en la transacción. Las personas también pueden ser encarceladas hasta por 10 años, y el dinero involucrado en la transacción puede ser incautado.

En el marco de las leyes Anti Lavado de Dinero de EE.UU., también es un crimen para cualquier persona a participar a sabiendas en cualquier transacción financiera o comercial o de transporte internacional o transmisión de fondos producto del tráfico de drogas u otra actividad criminal. El conocimiento puede ser creado comprobando que la persona fue "voluntariamente ciega" o "deliberadamente indiferentes" a la fuente o el origen de los fondos. Las Violaciones de las leyes Anti lavado de dinero pueden resultar más graves y severas que las violaciones de la Ley de Secreto Bancario. Las empresas y las personas condenadas por lavado de dinero pueden ser multadas hasta $500,000 o el doble del valor de los fondos blanqueados, cualquiera sea mayor, por cada violación y los individuos pueden enfrentar hasta 20 años de prisión. Además, el gobierno puede confiscar y decomisar el producto del tráfico de drogas y otros delitos y cualquier propiedad procedente y/o involucrada en la actividad delictiva. El mero hecho presuntamente asociadas con los lavadores de dinero puede resultar en la pérdida de la buena reputación de entidad financiera y la confianza de sus clientes.

MSB se han vuelto vulnerables a los posibles esquemas de lavado de dinero porque, como los bancos, permiten el movimiento de fondos a casi cualquier parte del mundo. Recientes investigaciones criminales han demostrado que los blanqueadores de dinero pueden transmitir dinero en cantidades menores de $ 10,000 para evadir los requerimientos de reportes de transacciones en efectivo, utilizando una identificación falsa para transmitir fondos y comprar giros postales y cheques de viajero y el envío de transferencias bancarias por montos menores de $3,000 para evitar los requisitos de identificación.

Política de Cumplimiento

Envíos de Valores La Nacional Corp. ("La Nacional") se compromete a cumplir plenamente con no sólo la letra de la Ley de Secreto del Banco, sino también su espíritu, y de tomar medidas activas para detectar, prevenir e informar a las autoridades gubernamentales correspondientes, en la medida permitida por las leyes y reglamentos aplicables, y se sospecha violaciones de la Ley de Secreto Bancario, el blanqueo de los estatutos de dinero y otros delitos. Si bien la gran mayoría de los fondos transferidos por La Nacional son operaciones desde los Estados Unidos a otros países (por ejemplo, el dinero es enviado por personas que trabajan en los Estados Unidos a sus familias fuera de los Estados Unidos o por las empresas que deseen transferir fondos rápidamente en el extranjero) , es concebible que algunos clientes podrían tratar de utilizar los productos de La Nacional para mover el dinero derivado de forma ilegal, sin el conocimiento de La Nacional.

Política conozca a su cliente

Una manera eficaz de impedir que los delincuentes utilicen los servicios de La Nacional, es adoptar y seguir una efectiva política "Conozca a su cliente". La política “Conozca a su cliente” de La Nacional requiere que la misma y sus agentes realicen un esfuerzo razonable para determinar la verdadera identidad de cada cliente y estar alerta a los clientes que utilizan los productos y servicios de La Nacional para asegurarse que La Nacional no sea víctima de prácticas ilegales. Es por esta razón que La Nacional ha puesto en marcha procedimientos que cumplen con la Ley de Secreto Bancario y Anti Lavado de Dinero (Manual de Cumplimiento) para los empleados y agentes, que, entre otras cosas, contienen procedimientos estrictos para la obtención de la identificación y otra información del cliente en los límites fijados por la Nacional antes de procesar transacciones. La información obtenida para enviar y recibir transacciones también se utiliza a efectos de control para identificar las transacciones que se reportan en los reportes de transacciones en efectivo ("CTR"), así como la posible estructuración para evadir la presentación de informes BSA o requisitos de registro o cualquier procedimiento de La Nacional, el posible blanqueo de dinero u otra actividad penal o inusual para informar a las adecuadas autoridades gubernamentales.

Esta transacción está sujeta a los reglamentos y condiciones estipuladas en este recibo. Su firma es su aceptación. Este recibo no es válido si no es procesado a través del sistema de computación de La Nacional y contiene la impresión generada por computador del nombre y dirección del agente y número correcto de recibo. Envios de Valores La Nacional Corp. (La Nacional) se responsabiliza por cualquier atraso o no entrega. Excepto como acordado a continuación.

Los clientes que soliciten una devolución deberán traer el recibo original y una identificación con foto, al lugar indicado en el frente del recibo. No se podrá devolver o hacer una devolución si hay error en la identificación o información proveída por el cliente. Reclamos podrán requerir (15) días hábiles para resolverse, cargos adicionales podrían incluirse si un error fuese cometido por el cliente. No estamos obligados a hacer ninguna devolución por pagos retrasados hasta que recibamos confirmación de cancelación del envío por parte de nuestro corresponsal. No se aceptarán reclamos después de los 180 días de la fecha de este recibo.

No seremos responsables por acciones, pérdidas o daños por razón o resultado de no poder localizar al beneficiario o errores en identificar el nombre del beneficiario o resultado de Guerra declarada o no, censura, bloqueo, insurrección, conmoción civil o cualquier decreto de ley, moratorios, regulaciones, compulsiones o control público o doméstico o gobierno extranjero de jure o de facto o cualquier otra agencia como resultado de otras causas y que las mismas estén fuera de nuestro control, o cualquiera oficina, sucursal, corresponsal o agente, esté o no en conexión con la transferencia ya descrita o en conexión con cualquier transferencia tomada por nosotros con el propósito de hacer disponible dicho intercambio en el exterior, como se describe por concepto de esta orden, todos estos riesgos serán asumidos por el cliente. Si por alguna razón el envío no ha sido pagado y el dinero no se reclama o provee instrucciones adicionales, durante el período de seis meses a partir de la fecha que se efectuó el envío, se le aplicará un costo de $2.00 al mes. Este cargo adicional se obtendrá de la transacción enviada para compensar a La Nacional por mantenimiento administrativo adicional asociado con estas transacciones.

La Nacional es una empresa dedicada al envío de dinero. Esta autorizada y sujeta a los reglamentos del Departamento de Bancos de New York y otros estados. Cualquier reclamo en New York puede ser dirigido a “The New York State Banking Department”, localizada en la 1 State St. New York, NY 10004-1417. Attn: Consumer Service División. Reclamos de otros estados pueden enviarse a La Nacional, 566 W. 207th St. New York, NY 10034.

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.

Choice Money Transfer, INC. / Small World User Agreement

This User Agreement is effective as of November 2, 2017, and governs the terms under which you may access and use Choice Money Transfer, Inc. / Small World ’s website. For purposes of this User Agreement, "website" or “online service” includes www.SmallWorldfs.com, and our mobile applications and any associated online services. The website enables you to send cash from the convenience of your computer or mobile device to beneficiaries virtually anywhere in the world, subject to these terms and conditions (a “money transfer”).

You are not authorized to use the website if you do not agree to be bound by the terms set forth in this User Agreement. By accessing or using the online service, you agree to be bound by the terms and conditions of this Agreement, as may be amended from time to time. Please read this User Agreement carefully and make sure you understand it fully before using the website.

As used throughout this User Agreement, the terms "Choice Money Transfer / Small World ", "we", "us", and "our" refer to Choice Money Transfer, Inc. / Small World Financial Services Group Limited, together with its employees, consultants, directors, successors, subsidiaries, affiliates, and assignees. The terms "you" and "your" refer to users of the online service, whether in their capacity as Senders, Beneficiaries or visitors to our website.

Terms and Conditions

Choice Money Transfer / Small World assumes no responsibility in relation to the material included in these pages. This material: a) does not necessarily provide information that is exhaustive, complete, exact or up-to- date; b) may contain links to external pages over which we have no control and whose contents may be unknown to us, reasons for which we decline all responsibility; c) does not provide professional or legal advice.

It cannot be guaranteed that a document available on-line exactly reproduces an officially adopted text.

Nonetheless, in the event that an error should be found in these pages, we ask you to inform us of it so that we can rectify as soon as possible.

The reproduction, copying, use, distribution, commercialisation, public communication, or any other such activity involving the contents of these web pages is forbidden and always requires explicit authorization from Choice Money Transfer / Small World. Any such activities will be penalized in accordance with the copyright legislation applicable.

Transactions placed by users residing in one of Choice Money Transfer / Small World's U.S. licensed states will be doing business with Choice Money Transfer, Inc. d/b/a Small World Money Transfer, Small World Financial Services Group. If user is outside of the U.S., users will be doing business with another Small World Financial Services Group Limited subsidiary.

Choice Money Transfer / Small World does not necessarily coincide with the information and opinions contained in these web pages.

Choice Money Transfer / Small World takes no responsibility for the misuse of the contents of these web pages on the user's behalf.

Choice Money Transfer / Small World takes no responsibility for any information not contained in these web pages and as such, not issued directly under the control of Choice Money Transfer / Small World or not published with its name. In particular, Choice Money Transfer / Small World is not responsible for the contents and the information contained in the web pages of third parties connected by links with the web pages pertaining to Choice Money Transfer / Small World.

Choice Money Transfer / Small World reserves the right to update the contents of these web pages whenever it may see fit, as well as to delete them and to limit or prevent access to them, whether temporary or permanent.

Choice Money Transfer / Small World is not obliged to control the information and opinions that users may transmit in the open forums of these web pages. However, Choice Money Transfer / Small World reserves the right to delete from its web pages any information or opinion from users that may be contrary to the law in force, especially when this represents an infringement of fundamental individual rights and liberties.

Whenever it is necessary to use a password or user name to access a service contained in these web pages, the user is obliged to keep it secret and use it diligently. In the event of the loss or negligent use of the password, the user will be responsible for any use that third parties may have been able to make of it.

UNDER NO CIRCUMSTANCES DOES SWFS ACCEPT RESPONSIBILITY FOR POSSIBLE DAMAGE, WHETHER DIRECT, INDIRECT, SPECIAL OR OF ANY OTHER NATURE, DERIVED FROM THE USE OF THIS WEB PAGE OR OF ANY OTHER WEB PAGE TO WHICH THE USER IS DIRECTED FROM THIS ONE, INCLUDING, WITHOUT ANY LIMITATION, ANY LOSS OF PROFITS, STOPPAGE OF BUSINESS, LOSS OF PROGRAMMES OR OTHER DATA FROM THE INFORMATION TREATED IN THE USER’S SYSTEM, EVEN WHEN WE HAVE BEEN EXPLICITLY INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

Anti Money-laundering Compliance

Choice Money Transfer / Small World is licensed to conduct business in the states listed below. In accordance with the requirements of the Electronic Code of Federal Regulations, the Bank Secrecy Act, the USA PATRIOT Act, and all relevant state regulations, Choice Money Transfer / Small World employs a full time staff to monitor all agencies and transactions to ensure compliance with all applicable laws and regulations relating to the prevention of money laundering. Simply put, these laws define the circumstances under which financial institutions such as Choice Money Transfer / Small World are required to take reasonable steps to verify both the identity of its customers and the source of their funds. Some agencies, such as the Office of Foreign Asset Control, set limitations as to persons, organizations and even countries with whom a financial institution such as Choice Money Transfer / Small World can do business. It is important to note that these requirements do not necessarily depend on the size of the transaction. Through the use of sophisticated software filters and individual analysis, we are required to monitor all transactions for evidence of individuals engaged in a pattern of transactions that give rise to a reasonable suspicion that they are “structuring” their transactions to avoid providing information or documentation to verify their identity and/or source of funds. Thus, customers may be required to provide valid government identification and other information and documentation regarding the transaction and their source of funds, regardless of the size of the transaction.

The information provided by customers for fulfillment of our compliance obligations is considered non-public personal information. As such, Choice Money Transfer / Small World is prohibited by law from releasing this information except insofar as it is necessary to complete the customer’s transaction or in response to a request by a state or federal government agency.

Overview of the Online Service

The online service is intended for our customers to send money transfers and mobile reloads to beneficiaries. We recommend that the online service only to be used send money to people you know personally. You should not use the online service to send money to someone you do not know.

CONSUMER FRAUD ALERT: PROTECT YOURSELF FROM SCAMS AND FRAUD. PROTECT YOURSELF. BE CAREFUL WHEN A STRANGER ASKS YOU TO SEND MONEY, ESPECIALLY IN CONNECTION WITH AN INTERNET, NEWSPAPER OR TELEPHONE OFFER OR PROMOTION. We do not guarantee delivery or suitability of goods or services paid for with money transfers initiated through our online service. If you believe someone is trying to scam or defraud you or your Choice Money Transfer / Small World username or password have been lost or stolen, please contact us immediately by telephone 1-866-210-8002 or email at online.usa@smallworldfs.com.

Anytime you use our online service, you should safeguard your password and only use Choice Money Transfer / Small World for legal purposes only. If you want to learn more about sending money safely with Small World / Choice Money Transfer, please read our Privacy Policy.

Definitions:
  • Sender: is the person who uses the online service to send money or to send mobile reloads.
  • Beneficiary: is the person for whom a Sender makes a bill payment through the online service. (For instance, imagine that you use the online service to pay a bill for your relative). Your relative would be your Beneficiary and the company which receives the payment is the Online Service Company for that Transaction). You understand that the person referred to as a Beneficiary in this User Agreement may be referred to as the "Beneficiary" on your bill payment receipt.
  • Receiving Country: is the country in which the Beneficiary or Online Service Company receives money or a mobile reload through our service. 
  • Transaction: is a specific instruction to send money through the online service.
  • Transaction Amount: is the amount of money that the Sender provides to Choice Money Transfer / Small World to be sent in the Transaction, without the Transaction Fee.
  • Transfer Fee: is the fee that the customer will pay for the transfer cost
  • Other Fees: Additional fees for the customer to pay such as: bank or card fees, international bank fees and/or taxes or charges levied by the Beneficiary’s country.
  • Total to Beneficiary/ Payout Amount:  is the amount paid out to the Beneficiary or Online service Company, excluding any taxes or charges that may be levied under the laws of the receiving Country (Transfer Taxes).
Offer and Acceptance

In the case that you submit a Transaction, it shall be deemed as a request for us to process your Transaction, an offer which we may accept or reject at our sole discretion from our head office in New York City, New York.

Please read this Agreement carefully before using the website. By using the website and by clicking to accept or agree to the terms of use when this option is made available to you, you accept and agree to be bound and abide by these terms of use and our Privacy Policy with respect to the service and money transfer transactions originated from the website. If you do not want to agree to these terms of use or the Privacy Policy, you must exit the website, and not use our money transfer service.

Access to the Online Service
  1. Eligibility of Users:

    To be eligible to use our online service as a Sender, you must be at least eighteen (18) years old. In addition, you must be able to form legally binding contracts under applicable law and other restrictions may apply.

  2. Not available in certain countries:

    The online service may not be available in whole or in part in different countries and jurisdictions as determined by local laws and regulations.

  3. Mobile Online Services:

    You can also access our online service via mobile device. You may incur mobile carrier's standard charges, data rates and other fees not related to fees charged by Choice Money Transfer / Small World for mobile online services.

Remittance
  1. Charges:

    Choice Money Transfer / Small World reserves the right to reject credit card and debit card transactions if the client is not in USA.  If you are traveling please use the payment mode of ACH (Direct Debit).  Be aware that proof of Address and Identification will be requested.

    For each transaction sent on your behalf, charges may apply in addition to the Transfer Fee. When those fees and charges are known, we will notify you of them before processing the transaction or, in some cases, provide an estimated amount. Your payment must be made on the same day as you are sending the transaction for processing. Choice Money Transfer / Small World only accepts payments in U.S. dollars (USD). If you send a transaction, where Choice Money Transfer / Small World receives less funds than required, chargeback fees, insufficient funds fee or similar charges may be imposed and you agree to reimburse Choice Money Transfer / Small World for all the mentioned charges

  2. Foreign Currency:

    When initiating a send Transaction, you agree to transfer the money in the set currency of where your Beneficiary is located. In addition to the Transfer Fee, a currency exchange rate may apply to the Transaction. Currency is converted to at an exchange rate set by us. Any difference between the rate given to you and the rate received by us will be kept by Choice Money Transfer / Small World in addition to the Transfer Fees. You may find out the current foreign exchange rate provided by Choice Money Transfer / Small World to its customers by calling toll-free to 1-866-210-8002 or by viewing the disclosed exchange rates posted on the website.

    Subject to applicable law, the actual or estimated currency exchange rate applicable to Your transaction will be provided to you on the written disclosures provided to you by Choice Money Transfer / Small World in connection with your Transaction. Payouts will generally be made in the national currency of the payout location ("local currency"). We are not responsible for the currency exchange rate that will be applied if the Beneficiary chooses to receive a currency other than the currency where s/he is located.

  3. Payments:

    You authorize us to access, charge and debit funds from any of the Payment Methods that we make available in our online service. This will include, but not be limited to, credit card, debit card or an ACH transaction (direct debit). We do not accept pre-paid cards and corporate/business cards. If the payment cannot be fully completed or is an insufficient amount, we may retry debiting one or more times or, you shall change the payment method and pay us with a different payment method. You represent and guarantee to be the legitimate owner of the payment method used.

    If you choose to pay by debit/credit card, please note that your transaction will be processed from a bank in the United Kingdom as Small World Money Transfer is a multi-national corporation with global headquarters in London, United Kingdom, not in the USA. Therefore, please only use a card that does not charge foreign or international transaction fees. If you are not sure your debit/credit card charges a foreign or international transaction fee, please contact your bank first. We are not responsible if after this disclaimer you continue with the transaction.

  4. Other Charges:

    Choice Money Transfer / Small World is not responsible for any additional charges from financial Institutions related to the payment methods that we make available in our online service. Choice Money Transfer / Small World will not be responsible for charges caused by lack of funds, overdraft or additional costs or fees charged by your bank, credit/debit card issuer, providers related to use of the online service.

  5. Scheduled Money Transfers:

    When using this online service, you authorize Choice Money Transfer / Small World to create a transaction in your name. When creating money transfer Transactions that involve currency exchange, you understand that it’s impossible for Choice Money Transfer / Small World to guaranty a future exchange rate. By using the website, you acknowledge and accept the exchange rate offered by Choice Money Transfer / Small World for the day.

  6. Pre-Payment Disclosures and Receipt:

    Prior to making a payment, Choice Money Transfer / Small World will provide you with the following pre-payment disclosures:

    • Amount to be transferred
    • Front-end fees and taxes
    • Exchange rate (or estimate as permitted by law)
    • Covered third-party fees
    • Total amount to be received by designated recipient

    Upon your making a payment in connection with a Transaction, Choice Money Transfer / Small World will provide you with a receipt containing the following information:

    • Applicable pre-payment disclosures
    • Date of funds availability
    • Name of designated recipient
    • Error resolution/cancellation
    • State regulator and CFPB contact information
    • Transfer date (applicable for transfers scheduled 3+ business days before date of transfer and first in a series of pre-authorized RTs)
Transactions Paid Out
  1. Involved Service Providers:

    We operate with local banks, money exchange houses, and other third party online service providers to pay in the destination countries.

    You agree on sending the Transaction Amount to the Beneficiary as specified in the Transaction with the purpose of receiving the funds related with the online service. We will make an effort to keep up to date the locations, availability and timetables of our online service providers. You agree, acknowledge and accept that Choice Money Transfer / Small World will not in any way be responsible for any incomplete or inexact information that may be published on our websites.

  2. Identity Verification

    You may be required to provide us with certain information, including certain government-issued identification documents, to allow Choice Money Transfer / Small World, among other things, to verify your identity and to complete the Transaction. You agree that the information you provide is not false, inaccurate or misleading. Please refer to our Privacy Policy for information concerning use of your information.

    You authorize Choice Money Transfer / Small World and third party providers to contact the Beneficiary and save all required information necessary for a proper performance of the Transaction.

    You represent and warrant that the information in the account or bank details are correct, as money may not be recovered if it’s sent to the wrong account.

Limitations / Restrictions
  1. General Limitations.

    At any moment, and without prior notice and our full discretion, we may reject any Transaction or limit the amount to transfer, for any transaction or group of transactions.

  2. Delay Policy.

    Your Transaction may be delayed or canceled in our discretion and without prior notice before the Beneficiary or third party supplier has received the Transaction Amount. We may delay or cancel the Transaction for any reason, that include among others: lack of identity verification, payment method validation, fraud and anti-money laundering compliance review, contacting or locating you, your Beneficiary, the online service provider. Working timetable, system availability or disposal of currency may also be a reason for delay. Nonetheless you are entitled to request a refund in certain circumstances.

  3. Restrictions on Commercial Transactions.

    You may only use the online service to send money for and/or to Beneficiaries that you know for non-commercial purposes. If the online service is used for commercial purposes, we may, in our sole discretion, cancel your Transaction/s and close your account.

  4. Unauthorized Transactions.

    The purpose of our online service is to allow customers to transfer money to families and friends. We may, in our sole discretion, cancel any transaction or close any account that we suspect has been used for any non-personal reasons. You may not use the online service in violation of this Agreement, applicable laws, rules or regulations. It is a violation of this Agreement if you use the online service for any of the following, but limited to, activities: sexually oriented online services or materials, gambling, fraud, money laundering, financing of terrorist organizations, buying or selling tobacco, firearms, medicines or banned drugs; or sending money to a politically exposed person or a Beneficiary that has previously violated this Agreement. If you use our online service for these purposes, Choice Money Transfer / Small World reserves the right to report the activity to the authorities.

  5. Restricted Activities.

    As a user of the online service, you agree that you will not do any of the following:

    • Breach this or any other agreement between you and Choice Money Transfer / Small World.
    • Open more than one account.
    • Provide false, incorrect or misleading information.
    • Fail to cooperate with any investigation or to provide confirmation of your Identity or any other information we may need.
    • Use an anonymous proxy server.
    • Make a cash advance from your credit card (or help others to do so).
    • Share transaction data or other information with anyone but the online services firm, your recipient and/or your Beneficiary and you will instruct the recipient or Beneficiary not to share transaction numbers or other information.
    • Violate any other restriction of this end user agreement.
  6. Eligibility.

    We reserve the right, in our sole discretion, to reject transactions involving certain payment instruments. In addition, we may reject transactions, from certain senders or those directed to certain beneficiaries or to certain online services firms, including those persons who appear on the Specially Designated Nationals list, Non- cooperative Countries and Territories list or any other list issued by the USA government, the Treasury Department or any other governmental agency.

  7. Others.

    You are not allowed to send or receive transactions:

    On behalf of any other person,

    2) On behalf of any firm or person

    3) On behalf of any charity organization without our consent.

    You may send transactions to online services firms or beneficiaries who you personally know. At any time and in our sole discretion, we may reject any transaction, close multiple accounts linked to: any individual, persons related to that individual or persons sharing a household with that individual.

  8. Impossibility of any Change.

    You may not change your transaction details once it has been processed by us, except as may be permitted by law. It is your responsibility to review the transaction details provided to us for accuracy before it is submitted for processing.

Collection of Information
Privacy policy.

By accepting this user agreement you acknowledge and accept the privacy policy of “CHOICE MONEY TRANSFER / SMALL WORLD” which constitutes an agreement between you and “CHOICE MONEY TRANSFER / SMALL WORLD”. To read our privacy policy, please click this link.

Divulgation of Information to the Government: The law allows the release and/or disclosure of non-public personal information about you and transactions conducted by you to government authorities and enforcement agencies as explained in our privacy policy.

Client Identification Program: We are required to collaborate with the government to help fight against terrorist financing, money laundering and other financial crimes. U.S. law requires that we obtain, verify and maintain information about you. For that reason we may ask you to provide us with nonpublic, personal identifying information, about you or your beneficiary. We may also lawfully obtain information about you from independent sources, without your knowledge or consent, including non-personal identifying information that we may obtain when you visit our website.

Information verification: You authorize us to verify whatever we consider is necessary through the sources we need in order to validate the information you provide us. This may imply a request for additional info, requiring you to take steps to confirm your email address, mobile device or financial instruments or verify against 3 rd party databases or any other sources. This can also include the verification of your beneficiary’s information.

Errors and Problems
  1. Error Resolution

    What To Do If You Think There Has Been An Error or Problem: 

    If you think there has been an error or problem with your remittance transfer: 

    • Call us at 1-800-268-6458; or
    • Write to us at Complaints Management, Choice Money Transfer, 350 Fifth Ave. Suite 2722, 10118; or
    • E-mail us at cs@smallworldfs.com 

    You must contact us within 180 days of the date we promised to you that funds would be made available to the recipient. When you do, please provide us with: 

    1. Your name and address [or telephone number]; 
    2. The error or problem with the transfer, and why you believe it is an error or problem; 
    3. The name of the person receiving the funds, and if you know it, his or her telephone number or address;
    4. The dollar amount of the transfer; and 
    5. The confirmation code or number of the transaction. 

    We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of certain documentation we used in our investigation.

  2. Complaints

    To submit any complaints related to services rendered by Choice Money Transfer / Small World, please contact us at 1-866-210-8002 or by email at online.usa@smallworldfs.com

  3. State-Specific Provisions for Complaints:

    The following provisions apply to the residents of the states identified below. Please note that Choice Money Transfer / Small World is also authorized to process money transfers for residents in Montana and South Carolina since a license is not required.

    California
    www.dbo.ca.gov

    Phone: 866-275-2677

    Mail:Department of Business Oversight

    Attn: Consumer Services

    1515 K Street, Suite 200

    Sacramento, CA 95814

    If you have complaints with respect to any aspect of the money transmission activities conducted on the website or mobile app, 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 the Department of Business Oversight, Consumer Services, 1515 K Street, Suite 200, Sacramento, CA 95814 .

    Connecticut
    http://www.ct.gov/dob

    Phone: 860-240-8299

    Mail: Connecticut Department of Banking

    Attn: Government Relations and Consumer Affairs

    260 Constitution Plaza

    Hartford, CT 06103-1800

    Delaware
    http://www.banking.delaware.gov

    Phone:302-739-4235

    Mail: Office of the State Bank Commissioner

    Attn: Compliance

    555 E. Loockerman St., Suite 210

    Dover, DE 19901  

    District of Columbia
    http://disb.dc.gov/

    Phone:202-727-8000

    Mail: District of Columbia Department of Insurance, Securities and Banking

    Attn: Compliance

    810 First St., NE, Suite 701

    Washington, DC 20002  

    Florida
    http://www.flofr.com

    Phone:800-342-2762

    Mail: Florida Dept. of Financial Services

    200 East Gaines St.

    Tallahassee, FL 32399

    Georgia
    http://www.dbf.georgia.gov

    Phone:770-986-1633

    Mail: Dept. of Banking and Finance

    2990 Brandywine Rd., Suite 200

    Atlanta, GA 30341-5565  

    Illinois
    http://www.idfpr.com/DFI

    Phone: 312-814-6910

    Mail: Illinois Department of Financial and Professional Regulation

    100 West Randolph St., 9th Floor

    Chicago, IL 60601

    Maryland
    http://www.dllr.state.md.us

    Phone:410-230-6077

    Mail: of Financial Regulation

    500 N. Calvert St., Suite 402

    Baltimore, MD 21202

    Michigan
    http://www.michigan.gov/difs Phone:877-999-6442

    Mail: Michigan Dept. of Insurance and Financial Services

    611 W Ottawa St, 3rd Floor

    Lansing, MI 48933  

    New Jersey
    http://www.state.nj.us/dobi Phone:609-292-7272

    Mail: NJDOBI

    P.O. Box 471

    Trenton, NJ 08625-0471  

    New York
    http://www.dfs.ny.gov Phone:800-342-3736

    Mail: NY Dept. of Financial Services

    Attn: Consumers Assistance Unit

    One Commerce Plaza

    Albany, NY 12257  

    North Carolina
    http://www.nccob.gov

    Phone:888-384-3811

    Mail: Commissioner of Banks

    4309 Mail Service Center

    Raleigh, NC 27699-4309  

    Ohio
    http://www.com.ohio.gov/fiin

    Phone:800-321-3100

    Mail: Ohio Department of Commerce

    Division of Financial Institutions

    Attn: Consumer Complaints

    77 High Street, 21st Floor

    Columbus, OH 43215  

    Pennsylvania
    https://www.pa.gov/

    Phone:800-722-2657

    Mail: Pennsylvania Department of Banking

    Attn: Consumer Services

    17 N Second St., Suite 1300

    Harrisburg, PA 17101-2290  

    Rhode Island
    http://www.dbr.ri.gov/divisions/banking

    Phone:401-462-9503

    Mail: Rhode Island Department of Business Regulation

    Attn: Division of Banking

    1511 Pontiac Avenue, Bldg. 68-2

    Cranston, RI 02920  

    Tennessee
    http://www.tn.gov/tdfi

    Phone:800-778-4215

    Mail: TN Dept. of Financial Institutions

    Attn: Consumer Resources Section

    400 Dreaderick St., 6th Floor

    Nashville, TN 37243  

    Texas
    http://www.dob.texas.gov

    Phone:877-276-5554

    Mail: Texas Department of Banking

    2601 North Lamar Blvd.

    Austin, TX 78705  

    Virginia
    http://www.scc.virginia.gov

    Phone:804-371-9657

    Mail: VA Bureau of Financial Institutions

    1300 East Main St., Suite 800

    Richmond, VA 23218-0640

Cancellations and Refunds
  1. Money Transfer Cancellation and Refunds Disclosures (All States Except California)

    You have the right to cancel a remittance transfer and obtain a refund of all funds paid to us, including any fees. In order to cancel, you must contact us at 1-800-268-6458 within thirty minutes of payment for the transfer. When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the amount and location where the funds were sent. We will refund your money within three business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipient's account. Refunds are only made in U.S. dollars.

  2. State-Specific Money Transfer Cancellation and Refund Disclosures (California Only)

    RIGHT TO REFUND: You, the customer, are entitled to a refund of the money to be transmitted as a result of this agreement if Choice Money Transfer / Small World 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 money 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 write us via e-mail at online.usa@smallworldfs.com. You can also write us at:  Choice Money Transfer / Small World, Attn: Online Customer Service, at 350 FIFTH AVENUE, SUITE 2722, New York, NY, 10118. In case you do not receive your refund, you may be entitled to your money back plus a penalty of up to US$ 1,000 and attorney’s fees according to Section 2102 of the California Financial Code.”

Choice Money Transfer / Small Worlds's Intellectual Property

You acknowledge and agree that Choice Money Transfer / Small World as the sole owner of the online service which includes: our websites, text, graphics, links, buttons, logos, and images, as well as all other Choice Money Transfer / Small World patents, copyrights, trademarks, trade secrets, online service marks, logos, and product and online service names that are all exclusively owned by Choice Money Transfer / Small World (the "Choice Money Transfer / Small World Intellectual Property"). You agree not to display, use, copy, or modify the Choice Money Transfer / Small World Intellectual Property in any manner. You are only allowed to view and retain a copy of our website pages for your own personal non-commercial use. Additionally you agree not to:

  1. use any automated devices, data mining, robots, or any other similar practice for data gathering or extraction methods to access or use the online service;
  2. modify, copy, frame, scrape, rent, lease, loan, sell, distribute or create derivative works based on the online service, in whole or in part, except the information you upload to the online service through legally permissible means;
  3. remove or modify any author, trademark or other proprietary notice or legend displayed on our websites (or printed pages thereof); or
  4. infringe on Small World’s / Choice Money Transfer's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy.

The software and the technology underlying the online service are the property of Choice Money Transfer / Small World, its affiliates and any other brand name under the Small World Financial Services group. Subject to the terms and conditions of this User Agreement, Choice Money Transfer / Small World hereby grants you a non-transferable, non-sub licensable, and non-exclusive right and license to use the object code of any software on your device(s) solely in connection with the online service, provided that you agree not to copy (except as expressly provided herein), modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, or otherwise transfer any right in the software. Any rights not expressly granted herein are reserved by Choice Money Transfer / Small World.

CHOICE MONEY TRANSFER; SMALL WORLD FINANCIAL SERVICES; SMALL WORLD FS; SWFS; SWISS TRANSFERS; EXPRESS FUNDS; GLOBAL LINK; LCC MONEY TRANSFER; UNIVERSAL DE ENVÍOS; UNO MONEY TRANSFER; are trademarks or registered trademarks of Choice Money Transfer / Small World in the United States and/or other countries.

Disclaimer of Warranties

TO THE EXTENT PERMITTED BY LAW, THE ONLINE SERVICE AND SOFTWARE ARE PRESENTED "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.

We make reasonable efforts to ensure that transactions are processed in a timely manner. However, we cannot make any representations or warranties regarding the time needed to complete the processing due to certain factors that are beyond our control. This warranty gives you specific legal rights and other conditions may arise in connection therewith, which may vary from state to state. Notwithstanding the foregoing, you have the right for a refund as is expressed herein.

Limitations of Liability

Excluding for claims specified in SECTION 2102 OF THE CALIFORNIA FINANCIAL CODE ARISING FROM TRANSACTIONS ORIGINATED IN CALIFORNIA, UNDER NO CIRCUMSTANCES SHALL CHOICE MONEY TRANSFER / SMALL WORLD, ITS SUPPLIERS, VENDORS, ONLINE SERVICE PROVIDERS, ONLINE SERVICE COMPANIES, 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 IN CASE CHOICE MONEY TRANSFER / SMALL WORLD HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) AS A RESULT OF NEGLIGENCE ON THE PART OF SMALL WORLD / CHOICE MONEY TRANSFER, ITS SUPPLIERS, VENDORS, ONLINE SERVICE PROVIDERS, ONLINE SERVICE COMPANIES, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS.

Dispute Resolution and Governing Law
  1. Governing Law

    This User Agreement shall be governed according to the laws of the State of New York, and any activity relating to the online service shall be deemed to have been performed in New York. Any dispute, conflict, claim or allegation related with the online service or User Agreement (a "Claim") shall be governed by and construed in accordance with the laws of New York.

  2. Disputes with Choice Money Transfer / Small World

    Any problem or dispute with Choice Money Transfer / Small World's online service may be reported to our Online Customer Service. In the event there is any dispute between you and Choice Money Transfer / Small World, our goal is to obtain as much information as we can in order to resolve it. If our solution is not satisfactory, we will seek to provide you with a neutral and cost-effective means of resolving the dispute expeditiously.

  3. Arbitration

    Unless you opt out as set forth below, any dispute arising from or relating to this transaction shall be resolved by final and binding arbitration. The arbitrator shall also decide what matters are subject to arbitration. The arbitration will be administered by Choice Money Transfer / Small World.

    This agreement is governed by the Federal Arbitration Act, and any award shall be subject to judicial confirmation. Any arbitration shall take place on an individual basis; class actions or arbitrations are not permitted. If any part of this paragraph is deemed invalid, it shall not invalidate the other parts. You may opt out of arbitration within 30 days after initiating a Transaction by writing us at: Choice Money Transfer / Small World, Attn: Online Customer Service, at 350 FIFTH AVENUE, SUITE 2722, New York, NY, 10118. IF YOU DO NOT OPT OUT, YOU WILL WAIVE ANY RIGHT TO A TRIAL BY JURY OR JUDGE IN COURT AND ANY RIGHT TO PARTICIPATE IN A CLASS ACTION.

  4. Forum for Disputes

    In the event that you opt out of arbitration as described in section 14c above; you agree that any claim against Choice Money Transfer / Small World must be resolved in the Supreme Court of the State New York, New York County, unless both parties agree to a forum for the resolution of the claim.

  5. Improperly Filed Litigation

    All claims you bring against Choice Money Transfer / Small World must be resolved in accordance with section 14. All claims filed or brought contrary to Section 14 of this agreement shall be considered improperly filed and a breach of this Agreement. In the event of such a breach, Choice Money Transfer / Small World may recover attorneys' fees and costs (including in-house attorneys and paralegals) up to $1,000.00 USD from you, provided that Choice Money Transfer / Small World has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the action.

Indemnity

You agree to indemnify and hold harmless Choice Money Transfer / Small World, its suppliers, vendors, online service providers, online service companies and their respective subsidiaries, officers, agents, partners, employees, and consultants from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the online service, your connection to the online service, your violation of the User Agreement, or your violation of any rights of a third party arising from this Agreement.

Electronic Communications

You agree that this User Agreement shall be entered into electronically. Unless otherwise required by law, the following communications will only be transmitted electronically and not in printed paper format or through any other non-electronic means:

  1. This User Agreement and our Privacy Policy and all its modifications, amendments or appendixes to them.

  2. Your transactions reported through the online service.

  3. Any kind of notice or disclosure related to the online service including, without limitation, those required by Federal or State law.

  4. Any communication with the client related to the online service including communications related to claims or errors or non-authorized use of the online service.

  5. Any other kind of communication related to Choice Money Transfer / Small World or the service.

You may withdraw your consent to receive all communication announcements via the electronic means, which shall have the effect of terminating your access to the online service. If you wish to withdraw your consent, please notify us in writing at: Choice Money Transfer / Small World, Attn: Online Customer Service, at 350 FIFTH AVENUE, SUITE 2722, New York, NY 10118

To access and retain the any electronic communications directed to you pursuant to this Agreement, you will need the following:

  1. An internet browser which allows the use of JavaScript’s, supports the 128bits encryption and accepts first party cookies.

  2. An e-mail account with capability to read Choice Money Transfer / Small World emails.

  3. An internet connection and a device which support the before mentioned requirements.

Additional Information
  1. Client updates:

    You must inform us immediately of any change in your e-mail or telephone by updating your profile on our website. In the event that Choice Money Transfer / Small World does not have the correct contact information, we may not be able to notify you with important information or changes in your transaction status.

  2. Licenses:

    We are required by most U.S. jurisdictions in which we operate to have licenses to process money transfer transactions for consumers. A full listing of the state licenses that Choice Money Transfer / Small World Transfer holds can be viewed here.

  3. Entire Agreement:

    This User Agreement constitutes the entire agreement between you and Choice Money Transfer / Small World and governs your use of the online service, superseding any prior agreements between you and Choice Money Transfer / Small World.

  4. No Waiver:

    In case Choice Money Transfer / Small World does not enforce or exercise a right or provision of this User Agreement, this shall not constitute a waiver of the right or provision in question, and shall not guarantee that Choice Money Transfer / Small World will repeat any such actions in the future. 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.

  5. Modifications:

    Except as required by law, we may modify this Agreement without prior notice to you. You can review the latest version of the User Agreement on our webpage. If do not agree with any of the modifications, you may terminate your use of the online service at any time by providing notice of the termination in writing to Choice Money Transfer / Small World. If you are using the online service after the effective date of any modification or amendment, you shall be deemed to have accepted that amendment or modification. You are prohibited from modifying the terms of this User Agreement and acknowledge that any attempts by you to change this User Agreement shall be void.

  6. Language:

    In case there is any inconsistency between the different versions of our websites in English, Spanish or any other language, including the User Agreement, the English text shall control and bind the parties.

  7. Assignment:

    Subject to applicable law, Choice Money Transfer / Small World may assign this Agreement to a third party without your consent.

  8. Special note 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 Choice Money Transfer / Small World or otherwise exported or re-exported in violation of U.S. Export laws. Downloading or using the software is at your sole risk. 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.

Security

The security and integrity of your account are our main priority. We work hard to make sure your information is safe and secure with us. We recommend and urge you not to send money, make any mobile reloads or pay any fee for someone you do not know personally and trust. You must be especially careful with offers that seem too good to be true. In case you think you have been or might be a victim of any kind of fraud, please do not hesitate in contacting us immediately at: 1-866-210-8002. If you observe someone using the online service in an inappropriate or impermissible way, please notify us by e-mail at: online.usa@smallworldfs.com. In the event that you receive any fictitious e-mails purporting to be from “Choice Money Transfer / Small World ”, please forward it to online.usa@smallworldfs.com.

Contact Information

Questions, notifications, and requests for refunds or further information can be sent to Choice Money Transfer / Small World, as follows: online online.usa@smallworldfs.com or by phone at 1-866-210-8002; or by mail at Choice Money Transfer / Small World, Attn: Online Customer Service, 350 FIFTH AVENUE, SUITE 2722, New York, NY 10118.

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.

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").

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.
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.
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.

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.
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.
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.

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.

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.

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.

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.

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.

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.
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.
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.

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.

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:

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