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.
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.
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.
Consumer Fraud Alert: Protect yourself from scams and fraud. Only complete transactions to people you know, safeguard your password, complete transfers for yourself and not on behalf of others. WireCash may be used for legal purposes only. Please let us know immediately if you believe someone is trying to scam or defraud you or if your WireCash username or password have been lost or stolen by email at CustomerService@WireCash.com and put Report Fraud in the subject line.
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.
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
When you’re sending money to another country, in most cases you have new federal rights to protect you, including your right to:
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 firstname.lastname@example.org] 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.
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.
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
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.
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.
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.
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.
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
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.
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.
Payment of Funds to Receiver
Currency of Remittance Payment.
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.
Rejection of 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.
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. 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.
Error Resolution and Cancellation Policy
For error resolution, transaction cancellation, questions, complaints or a written explanation of your rights, contact us at email@example.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.
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.
Arbitration of Disputes.
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.
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.
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.
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.
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
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.
You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if MONEYTUN LLC does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you.
If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money.
If you want a refund, you must mail or deliver your written request to MONEYTUN LLC at 3651 Lindell Rd Suite D225, Las Vegas NV 89103. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to $1,000 and attorney’s fees pursuant to Section 2102 of the California Financial Code.
This 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.
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.
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.
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 firstname.lastname@example.org.
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.
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.
The online service may not be available in whole or in part in different countries and jurisdictions as determined by local laws and regulations.
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.
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
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.
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.
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.
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.
Prior to making a payment, Choice Money Transfer / Small World will provide you with the following pre-payment disclosures:
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:
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.
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.
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.
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.
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.
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.
As a user of the online service, you agree that you will not do any of the following:
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.
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.
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.
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.
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:
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:
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.
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 email@example.com
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.
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 firstname.lastname@example.org, or by mail at the Department of Business Oversight, Consumer Services, 1515 K Street, Suite 200, Sacramento, CA 95814 .
Mail: Connecticut Department of Banking
Attn: Government Relations and Consumer Affairs
260 Constitution Plaza
Hartford, CT 06103-1800
Mail: Office of the State Bank Commissioner
555 E. Loockerman St., Suite 210
Dover, DE 19901
Mail: District of Columbia Department of Insurance, Securities and Banking
810 First St., NE, Suite 701
Washington, DC 20002
Mail: Florida Dept. of Financial Services
200 East Gaines St.
Tallahassee, FL 32399
Mail: Dept. of Banking and Finance
2990 Brandywine Rd., Suite 200
Atlanta, GA 30341-5565
Mail: Illinois Department of Financial and Professional Regulation
100 West Randolph St., 9th Floor
Chicago, IL 60601
Mail: of Financial Regulation
500 N. Calvert St., Suite 402
Baltimore, MD 21202
Mail: Michigan Dept. of Insurance and Financial Services
611 W Ottawa St, 3rd Floor
Lansing, MI 48933
P.O. Box 471
Trenton, NJ 08625-0471
Mail: NY Dept. of Financial Services
Attn: Consumers Assistance Unit
One Commerce Plaza
Albany, NY 12257
Mail: Commissioner of Banks
4309 Mail Service Center
Raleigh, NC 27699-4309
Mail: Ohio Department of Commerce
Division of Financial Institutions
Attn: Consumer Complaints
77 High Street, 21st Floor
Columbus, OH 43215
Mail: Pennsylvania Department of Banking
Attn: Consumer Services
17 N Second St., Suite 1300
Harrisburg, PA 17101-2290
Mail: Rhode Island Department of Business Regulation
Attn: Division of Banking
1511 Pontiac Avenue, Bldg. 68-2
Cranston, RI 02920
Mail: TN Dept. of Financial Institutions
Attn: Consumer Resources Section
400 Dreaderick St., 6th Floor
Nashville, TN 37243
Mail: Texas Department of Banking
2601 North Lamar Blvd.
Austin, TX 78705
Mail: VA Bureau of Financial Institutions
1300 East Main St., Suite 800
Richmond, VA 23218-0640
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.
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 email@example.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.”
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:
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.
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.
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.
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.
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.
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.
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.
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:
Your transactions reported through the online service.
Any kind of notice or disclosure related to the online service including, without limitation, those required by Federal or State law.
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.
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:
An e-mail account with capability to read Choice Money Transfer / Small World emails.
An internet connection and a device which support the before mentioned requirements.
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.
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.
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.
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.
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.
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.
Subject to applicable law, Choice Money Transfer / Small World may assign this Agreement to a third party without your consent.
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.
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: firstname.lastname@example.org. In the event that you receive any fictitious e-mails purporting to be from “Choice Money Transfer / Small World ”, please forward it to email@example.com.
Questions, notifications, and requests for refunds or further information can be sent to Choice Money Transfer / Small World, as follows: online firstname.lastname@example.org 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.
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.
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").
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.
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 email@example.com, 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 firstname.lastname@example.org. 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: email@example.com 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 firstname.lastname@example.org. And if you receive any fake (phishing) emails, purporting to be from Pontual Money Transfer, please forward them to us at email@example.com.
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.
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