This document (together with any documents referred to in it) tells you the terms and conditions upon which we sell and supply the money transfer services (the Services) listed on this website (the Website) and Mobile Application (the App) to you. Please note, in these Terms and Conditions our use of the term ‘Services’ includes, without limitation, money transfer services, money remittance services, international money remittance services and Payment Services in accordance with Schedule 1 Part 1 of The Payment Services Regulations 2017.Before confirming your order please:
By ordering any of the Services listed on this Website/App, you agree to be legally bound by these Conditions. You will be unable to proceed with your purchase if you do not accept these terms and conditions as may be modified or amended and posted on this Website/App from time to time.
We reserve the right to revise and amend the Website/App, our disclaimers and the Conditions at any time without notice to you. Your continued use of the Website/App (or any part thereof) following a change shall be deemed to be your acceptance of such change. It is your responsibility to check regularly to determine whether we have changed these Conditions.
ABOUT US
2.1. This Website/App is owned and operated by Remit Choice Limited/Remit Choice (we/us/our), a private limited company registered in England and Wales under company number: 11770361 having our registered office at Twelve O`Clock Court Unit 7, 21 Attercliffe Road, Sheffield, England, S4 7WW
2.2. We are a member of, and regulated by, the Financial Conduct Authority (FCA), a regulatory professional body for the purposes of regulating our Payment Services activities in accordance with the Payment Services Regulations 2017. We can be identified on the FCA Register by our registration number: 949756. We are regulated by the FCA . The professional conduct rules and regulations can be found at http://www.fca.gov.uk.
COMMUNICATIONS
3.1. You agree that email and other electronic communications can be used as a long-distance means of communication and acknowledge that all contracts, notices, information and other communications that we provide to you electronically comply with any legal requirement that such communications be in writing.
3.2. We will contact you by email or provide you with information by posting notices on our Website/App.
4.1. Our Website/App is intended for use by customers resident in England, Wales, Scotland and Northern Ireland (the United Kingdom).
4.2. We may accept your order if you are resident in United Kingdom, subject to reserving a right to amend the specifications or standards of the Services offered on the Website/App and/or these Conditions or to refuse to accept an order for our Services from you, if it will put an excessive strain on our business or if we have an objective reason for doing so. If we accept your order, you will be liable to pay for all and any additional costs that we incur in order to facilitate your order. You will have an opportunity to cancel your order in case the additional costs are not acceptable.
4.3. If we agree to supply any Services ordered from the Website/App for delivery outside the United Kingdom they may be subject to fees, duties and/or taxes or expenses incurred due to complying with local and foreign regulatory requirements or laws. You will be responsible for payment of any such duties and/or taxes in addition to our price. Please note that we have no control over these charges and cannot always predict their amount. Please contact your local customs office or taxation authority for further information before placing your order.
4.4. You must comply with all applicable laws and regulations of the country for which the Services are destined. We will not be liable for any breach by you of any such laws.
This Website/App is owned and operated by Remit Choice Limited/Remit Choice (we/us/our), a private limited company registered in England and Wales under company number: 11770361 having our registered office at Twelve O’Clock Court Unit 7, 21 Attercliffe Road, Sheffield, England, S4 7WW.
5.2. By registering on the Website/App you undertake:
5.2.1. That all the details you provide to us for the purpose of registering on the Website/App and purchasing the Services are true, accurate, current and complete in all respects
5.2.2. To notify us immediately of any changes to the information provided on registration or to your personal information
5.2.3. That you are over 18 or if under 18 you have a parent or guardians permission to register with and purchase the Services from this Website/App in conjunction with and under their supervision
5.2.4. To only use the Website/App using your own username and password
5.2.5. To make every effort to keep your password safe
5.2.6. Not to disclose your password to anyone
5.2.7. To change your password immediately upon discovering that it has been compromised
5.2.8. To neither transfer or sell your username or password to anyone, nor permit, either directly or indirectly, anyone other than you to use them
5.2.9. To provide us with correct, accurate, complete and truthful details concerning
5.2.10. Not to use our Services to commit fraud, money laundering, financial crime, financing terrorism or any similar activities. You expressly agree that we have an immediate right to immediately cancel any Services or account provided to you, without notice to you, and to report it to the appropriate policing or regulatory authority, where we suspect or detect that any crime is being committed by you, the payee or beneficiary or any third party on your behalf.
5.3. You authorise us to transmit your name, address and other personal information supplied by you (including updated information) to obtain information from third parties about you, including, but not limited to, credit reports and so that we may authenticate your identity.
5.4. We reserve the right to terminate an agreement formed with you pursuant to clause 9 below and to suspend or terminate your access to the Website/App immediately and without notice to you if:
5.4.1. You fail to make any payment to us when due
5.4.2. You breach these Conditions (repeatedly or otherwise)
5.4.3. You are impersonating any other person or entity
5.4.4. When requested by us to do so, you fail to provide us within a reasonable time with sufficient information to enable us to determine the accuracy and validity of any information supplied by you, or your identity
5.4.5. We suspect you have engaged, or are about to engage, or have in anyway been involved, in fraudulent or illegal activity on the Website/App
6.1. To be eligible to purchase the Services on this Website/App and lawfully enter into and form contracts with us, you must:
6.1.1. Be 18 years of age or over
6.1.2. Be legally capable of entering into a binding contract
6.1.3. Provide full details of an address in the United Kingdom or your local country address for the performance or delivery of the Services
6.2. If you are under 18, you may only use the Website/App in conjunction with, and under the supervision of, a parent or guardian. If you do not qualify, you must not use our Website/App.
6.3. Identification requirements for Online Payment:
6.3.1. Valid Photo identification (Passport or Driving License) Coloured and Clearly readable scan - Visa scan is required along with it if you have a non-British passport)
6.3.2. Address Verification (any valid utility bill / bank statement or council tax bill (please note that the bills should be at least 90 days valid.)
6.3.3. Your complete contact details
6.4. Please find that Remit Choice Limited is authorized to verify your provided documents for identification purpose with independent online source to confirm the validity/authenticity. If sending over the £5000.00 GBP or equivalent in alternate currency you may be asked for additional information such as proof/source of funds.
6.4.1. Also note the following:
7.1. The prices of the Services are quoted on the Website/App
7.1. Prices quoted are for the performance of the Services in the United Kingdom unless otherwise specified.
7.2. Unless otherwise stated, the prices quoted exclude VAT (we are not VAT registered).
7.3. We reserve the right, by giving notice to you at any time before delivery or performance of our obligations to you, to increase the price of the Services to reflect any increase in the cost to us due to any factor beyond our control (such as without limitation, any foreign exchange fluctuation, significant increase in any other costs of third party services). In the unlikely event of this occurring, you shall be entitled to cancel the order at any time before we have commenced providing the Services.
8.1. Payment can be made by any major personal (not commercial) prepay, credit or debit card or through an electronic payment account as explained on the order form.
8.2. By placing an order, you consent to payment being charged to your prepay/debit/credit card account or electronic payment account as provided on the order form.
8.3. Payment will be debited and cleared from your account before the provision of the Service to you.
8.4. When you pay for your order by card, we carry out certain checks which include obtaining authorisation from your card issuer to ensure you have adequate funds and for security reasons. This may involve validating your name, address and other personal information supplied by you during the order process against appropriate third party databases including the card issuer, registered credit reference agencies and fraud prevention agencies.
8.5. By accepting these Conditions you:
8.5.1. Undertake that all the details you provide to us for the purpose of purchasing the Services are correct and that the payment card you are using is your own and that there are sufficient funds to cover the cost of the Services ordered
8.5.2. Undertake that any and all Services ordered by you are for your own private or domestic use only and not for resale
8.5.3. Authorise us to transmit the payment and delivery information provided by you during the order process (included any updated information) for the purpose of obtaining authorisation from your card issuer to ensure you have adequate funds, to authenticate your identity, to validate your payment card and for other security reasons, such as fraud prevention
8.6. We shall contact you should any problems occur with the authorisation of your card.
8.7. We will take all reasonable care, in so far as it is in our power to do so, to keep the details of your order and payment secure, but in the absence of negligence on our part, we cannot be held liable for any loss you may suffer if a third party procures unauthorised access to any data you provide when accessing or ordering from our Website/App.
9.1. All orders are subject to acceptance and availability. If any Services ordered are not available, you will be notified by email and you will have the option either to wait until the item is available or to cancel your order. It is your responsibility to provide us with a valid email address so that we can contact you if necessary.
9.2. Any order placed by you constitutes an offer to purchase the Services from us. All such offers received from you are subject to acceptance by us and we reserve the right to refuse any order placed by you at any time prior to acceptance, without providing an explanation.
9.3. You shall be responsible for ensuring the accuracy of the details provided by you during the order process and we will not accept an order unless all details requested from you have been entered correctly.
9.4. You agree that if we contact you to acknowledge receipt of your order such communication shall not amount to our acceptance of your offer to purchase the Services ordered by you from the Website/App.
9.5. A contract between you and us (the Contract) incorporating these Conditions will only subsist after we have debited your payment card and have confirmed that we shall be providing the requested Service or made it available to be downloaded. We will send you an email to confirm this (a Confirmation Notice). The Confirmation Notice will amount to an acceptance of your offer to buy the Services from us. The Contract will only be formed when we send you the Confirmation Notice (whether or not you receive it).
9.6. Where we agree to supply Services to you permanently or on an ongoing (continuous) basis, such as by subscription, they shall be provided for a minimum fixed period of time (the Minimum Duration). The length of the Minimum Duration will depend on which package or product you have selected to purchase and is provided on the Website/App.
9.7. The Contract will relate only to the Services stated in the Confirmation Notice. We will not be obliged to supply any other Services which may have been part of your order until we have sent you a separate Confirmation Notice relating to it.
9.8. You must check that the details contained in the Confirmation Notice are correct and you should print out and keep a copy of it.
9.9. You will be subject to the version of our policies and Conditions in force at the time that you order the Services from us, unless:
9.9.1. Any change to those policies or these Conditions is required to be made by law or governmental authority
9.9.2. We notify you of any change to our policies or these Conditions before we send you the Confirmation Notice, in which case, we are entitled to assume that you have accepted it, unless we receive written notification from you to the contrary within seven working days of receipt of the Confirmation Notice
9.10. In some cases, we accept orders from agents on behalf of customers. The resulting legal contract is between you and us, and is subject to these terms and conditions, which the agent will advise you of directly. You should carefully review these terms and sconditions as they apply to the transaction.
10.1. The Services will be provided to you and delivered to the beneficiary or recipient at the address you provided during the order process which may be an address other than the billing address, but please note that extra documentation may be needed to comply with such orders. We may where appropriate and at our option, deliver all or part of the remittance, to the account number, or account name, or telephone number or email address you supplied on registration or such other account name or account number or telephone number email address that we agree to use for the purposes of remitting the funds to the beneficiary or to communicate with you or the beneficiary.
10.2. Any dates quoted for completing performance of the remittance service are approximate only. If no date is specified then it will take place within 30 days or a reasonable time of the date of the Confirmation Notice, unless there are exceptional circumstances.
10.3. We shall not be liable for any delay in completing performance of the Service, however caused.
10.4. The remittance services may be sent in instalments.
11.1. Cancelling before receiving a Confirmation Notice
11.1.1. You may cancel your order for the Services at any time prior to receiving a Confirmation Notice from us so long as you contact us in writing. You can send us a cancellation notice by sending an email to [email protected] or a letter to Twelve O’Clock Court Unit 7, 21 Attercliffe Road, Sheffield, England, S4 7WW. Your cancellation notice must quote your name, address, the name or a description of the Services and your order reference number.
11.2. Cancellation after receiving a Confirmation Notice
11.2.1. You are entitled to cancel your Contract and obtain a refund before we complete the money remittance Service or within 7 working days from the date of the Confirmation Notice, whichever is applicable. This also applies, where appropriate and subject to clause 11.4, to items that are available to be downloaded. However, you will no longer have a right to cancel if, with your agreement, we have already completed providing the Services to you before this period of time expires. We shall be deemed to have already completed providing the money remittance Services, in circumstances where payment of the funds has already been deposited into your or your beneficiary’s bank account or similar account or you or your beneficiary have already accessed the funds or downloaded products or materials necessary to access the funds, that we made available to you, from the Website/App or other similar shared platform.
11.2.2. You may notify us of your wish to cancel by sending us a cancellation notice to [email protected] or a letter to Twelve O’Clock Court Unit 7, 21 Attercliffe Road, Sheffield, England, S4 7WW. Your cancellation notice must quote your name, address, the name or a description of the Services and your order reference number.
11.2.3. Upon receiving your cancellation notice, we will contact you providing any necessary instructions which you will be required to follow.
11.2.4. So long as you have complied with your obligations under this clause, we will refund the purchase price to you by crediting the payment card you used to purchase the Services.
11.3. Cancelling ongoing Services
11.3.1. Some of the Services that we provide are available for either a fixed period or unspecified period of time. In this clause these Services are referred to respectively as Ongoing Fixed Term Services and Ongoing Non-Fixed Term Services.
11.3.2. You are entitled to cancel your Contract for any Recurrent Fixed Term Services and Recurrent Non-Fixed Term Services that you have purchased and obtain a refund within 7 working days from the date of the Confirmation Notice. This also applies, where appropriate, and subject to clause 11.4, to items that are available to be downloaded.
11.3.3. You will no longer have a right to cancel any Ongoing Fixed Term Services if, with your agreement, we have already commenced providing this service to you within 7 working days from the date of the Confirmation Notice, unless otherwise expressly agreed by us in writing. We shall be deemed to have already commenced providing the Ongoing Fixed Term Services, in circumstances where you have already downloaded products or materials that we made available to you from the Website/App.
11.3.4. In these circumstances you cannot cancel the Contract for any Ongoing Fixed Term Services until the end of the Minimum Duration (even where the Minimum Duration is more than one year) and you will not be entitled to a refund, unless otherwise expressly agreed by us in writing.
11.3.5. Although you may notify us of your intention to cancel an Ongoing Fixed Term Services at any time, such notice will only take effect after the Minimum Duration has elapsed. You may notify us of your wish to cancel the Ongoing Fixed Term Services by sending us a cancellation notice to [email protected] or a letter to Twelve O’Clock Court Unit 7, 21 Attercliffe Road, Sheffield, England, S4 7WW.Your cancellation notice must quote your name, address, the name or a description of the Services and your order reference number.
11.3.6. We may, at our sole discretion, agree to temporarily suspend any Ongoing Fixed Term Services if you will be unable to use the service, such as, for example, if you have insufficient funds in your account to effect the money remittance. We will require at least 3 working days advance notice from you for this to be implemented. The maximum period of suspension will be 3 weeks in any calendar year. You may use the same contact details for providing a cancellation notice to request the Ongoing Fixed Term Services to be suspended.
11.3.7. You will still have a right to cancel any Ongoing Non-Fixed Term Services if we have already commenced providing this service to you within 7 working days from the date of the Confirmation Notice, upon giving us 6 weeks advance notice in writing. You may notify us of your wish to cancel by sending us a cancellation notice to [email protected] or a letter toTwelve O’Clock Court Unit 7, 21 Attercliffe Road, Sheffield, England, S4 7WW. Your cancellation notice must quote your name, address, the name or a description of the Services and your order reference number.
11.4. Exception to the right to cancel You will not have a right to cancel an order for services purchased from us, in the following situations:
11.4.1. If you expressly agree to us beginning to provide any services before the end of the cancellation period.
11.4.2. The Contract is for the sale of financial services
11.5. Incorrectly priced or described Services
11.5.1. Whilst we try and ensure that all the information on our Website/App is accurate, errors may occur. In the unlikely event that the price and/or description of an item listed on the Website/App has been incorrectly advertised, we will not be under any obligation to sell or provide those Services to you.
11.5.2. If we discover the error before sending you a Confirmation Notice we will at our discretion, either reject your order and notify you of such rejection, or inform you as soon as possible and give you the option of cancelling your order or reconfirming it at the correct price and/or description. If we give you the option of cancelling your order or reconfirming it at the correct price and/or description but either cannot contact you or do not receive your response within 14 days of sending you notification (whether or not you receive it), we will reject your order.
11.5.3. If we discover the error after sending you a Confirmation Notice we may, at our discretion and without incurring any liability to you, cancel the Contract provided that the error is, in our reasonable opinion, obvious and unmistakable and could have reasonably been recognised by you. We will notify if we cancel the Contract.
11.5.4. If your order is cancelled or rejected and you have already paid for the Services, you will receive a full refund in accordance with clause 11.7
11.6. Delivery by instalments
11.6.1. The Services may be sent to you in instalments. You may cancel the outstanding part of your order and receive a refund, if you have already paid, of the purchase price of the outstanding Services in accordance with clause 11.7
11.7. Processing refunds
11.7.1. We will notify you about your refund via email within a reasonable period of time. We will usually process a refund as soon as possible and, in any case, within 30 days of the day we confirmed to you via email that you are entitled to a refund. Refunds will be made by crediting the payment card or electronic payment account you used to purchase the Services.
12.1. If you have a comment, concern or complaint about any Services you have purchased from us, please contact us via email at [email protected] or by post at Twelve O’Clock Court Unit 7, 21 Attercliffe Road, Sheffield, England, S4 7WW.
12.2. If you are not satisfied with how we have handled your complaint, you can also contact The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 SR.
13.1. The content of the Website is protected by copyright (including design copyrights), trade marks, patent, database and other intellectual property rights and similar proprietary rights which include, (without limitation), all rights in materials, works, techniques, computer programs, source codes, data, technical information, trading business brand names, goodwill, service marks utility models, semi-conductor topography rights, the style or presentation of the goods or services, creations, inventions or improvements upon or additions to an invention, confidential information, know-how and any research effort relating to REMIT CHOICE LIMITED moral rights and any similar rights in any country (whether registered or unregistered and including applications for and the right to apply for them in any part of the world) and you acknowledge that the intellectual property rights in the material and content supplied as part of the Website shall remain with us or our licensors.
13.2. You may download or copy the content and other downloadable items displayed on the Website subject to the condition that the material may only be used for personal non-commercial purposes. Copying or storing the contents of the Website for other than personal use is expressly prohibited.
13.3. You may retrieve and display the content of the Website on a computer screen, store such content in electronic form on disk (but not any server or other storage device connected to a network) or print one copy of such content for your own personal, non-commercial use, provided you keep intact all and any copyright and proprietary notices. You may not otherwise reproduce, modify, copy or distribute or use for commercial purposes any of the materials or content on the Website.
13.4. You acknowledge that any other use of the material and content of this Website is strictly prohibited and you agree not to (and agree not to assist or facilitate any third party to) copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works from such material and content.
13.5. No licence is granted to you in these Conditions to use any of our trade marks or those of our affiliated companies.
13.6. Services sold by us and Website content may be subject to copyright, trade mark or other intellectual property rights in favour of third parties. We acknowledge those rights.
14.1. You are permitted to use the Website/App and the material contained in it only as expressly authorised by us under our terms of use.
15.1. Not with standing any other provision in the Conditions, nothing will affect or limit your statutory rights; or will exclude or limit our liability for:
15.1.1. Death or personal injury resulting from our negligence
15.1.2. Fraud or fraudulent misrepresentation
15.1.3. Action pursuant to section 2(3) of the Consumer Protection Act 1987
15.1.4. Any matter for which it would be unlawful for us to exclude or attempt to exclude our liability
15.2. The Website/App is provided on an as is and as available basis without any representation or endorsement made and we make no warranties or guarantees, whether express or implied, statutory or otherwise (unless otherwise expressly stated in these Conditions or required by law) in relation to the information, materials, content or services found or offered on the Website/App for any particular purpose or any transaction that may be conducted on or through the Website/App including but not limited to, implied warranties of non-infringement, compatibility, timeliness, performance, security, accuracy, condition or completeness, or any implied warranty arising from course of dealing or usage or trade custom.
15.3. We will not be liable if the Website/App is unavailable at any time.
15.4. We make no representation or warranty of any kind express or implied statutory or otherwise regarding the availability of the Website/App or that it will be timely or error-free, that defects will be corrected, or that the Website/App or the server that makes it available are free of viruses or bugs.
15.5. We will not be responsible or liable to you for any loss of content or material uploaded or transmitted through the Website/App and we accept no liability of any kind for any loss or damage resulting from action taken in reliance on material or information contained on the Website/App.
15.6. We cannot guarantee and cannot be responsible for the security or privacy of the Website/App and any information provided by you. You must bear the risk associated with the use of the internet. In particular, we will not be liable for any damage or loss caused by a distributed denial-of-service attack, any viruses trojans, worms, logic bombs, keystroke loggers, spyware, adware or other material which is malicious or technologically harmful that may infect your computer, peripheral computer equipment, computer programs, data or other proprietary material as a result of your use of the Website/App or you downloading any material posted or sold on the Website/App or from any Website/App linked to it.
15.7. We will use all reasonable endeavours to carry out our obligations within a reasonable period of time but will not be liable to you for any loss, costs or expenses arising directly or indirectly from any delays in doing so.
15.8. We will not be liable, in contract or tort (including, without limitation, negligence), or in respect of pre-contract or other representations (other than fraudulent misrepresentations) or otherwise for:
15.8.1. any economic losses (including without limitation loss of revenues, profits, contracts, business or anticipated savings and any other consequential loss); or
15.8.2. any loss of goodwill or reputation; or
15.8.3. any special or indirect losses; or
15.8.4. any loss of data; or
15.8.5. wasted management or office time; or
15.8.6. any other loss or damage of any kind suffered or incurred arising out of or in connection with the provision of any matter under these Conditions and/or the Contract and/or the use of this Website/App or any aspect related to your purchase of the Services even if such losses are foreseeable or result from a deliberate breach of these Conditions by us that would entitle you to terminate the Contract between us or as a result of any action we have taken in response to your breach of these Conditions. Without prejudice to the terms of this clause and in the event that we are unable to rely upon it, our liability for all and any losses you suffer as a result of us breaking the Contract, whether or not deliberate, including those listed in clauses 15.8.1 to 15.8.6, is strictly limited to the purchase price of the Services you purchased.
15.9. If you buy any goods or services from a third party seller through our Website/App, the sellers individual liability will be set out in their own terms and conditions.
15.10. You agree to fully indemnify, defend and hold us, and our officers, directors, employees and suppliers, harmless immediately on demand, from and against all claims, including but not limited to losses (including loss of profit, revenue, goodwill or reputation), costs and expenses, including reasonable administrative and legal costs, arising out of any breach of these Conditions by you, or any other liabilities arising out of your use of this Website/App or any other person accessing the Website/App using your personal information with your authority.
15.11. This clause does not affect your statutory rights as a consumer, nor does it affect your contractual cancellation rights.
16.1. We shall have no liability for delays or failures in delivery or performance of our obligations to you resulting from any act, events, omissions, failures or accidents that are outside of our control (Force Majeure), which, without limitation, include:
16.1.1. Strikes, lock-outs or other industrial action
16.1.2. Shortages of labour, services, power, supplies/resources.
16.1.3. Late, defective performance or non-performance by suppliers/subcontractors.
16.1.4. Private or public telecommunication, computer network failures or breakdown of equipment
16.1.5. Civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war.
16.1.6. Fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster or extreme weather conditions.
16.1.7. Impossibility of the use of railways, shipping, aircraft, motor transport or other means of public or private transport for the delivery of services/product.
16.1.8. Acts, decrees, legislation, regulations or restrictions of any government
16.1.9. Other causes, beyond our reasonable control
16.2. Our performance will be deemed to be suspended for the period that the event of Force Majeure continues, and we will have an extension of time for performance for the duration of that period. We will use our reasonable endeavours to minimise any delay caused by Force Majeure or to find a solution by which our obligations may be performed despite the Force Majeure event. We shall promptly notify you of any Force Majeure event giving details of it and (where possible) the extent and likely duration of any delay.
16.3. Where the period of non-performance or delay in relation to any event of Force Majeure exceeds 30 days from the date of notice to you of the event of Force Majeure, either you or us may, by written notice to the other, terminate the Contract with immediate effect upon service.
17.1. In order to monitor and improve customer service, we may record telephone calls.
17.2. We shall be entitled to process your data in accordance with the terms of our Privacy Policy. Please view this document for further information. All information provided by you will be treated securely and in accordance with the Data Protection Act 1998 (as amended).
17.3. You can find full details of our Privacy Policy on the Website.
18.1. Not to use our Services to commit fraud, money laundering, financial crime, financing terrorism or any similar activities. You expressly agree that we have an immediate right to immediately cancel any Services or account provided to you, without notice to you, and to report it to the appropriate policing or regulatory authority, where we suspect or detect that any crime is being committed by you, the payee or beneficiary or any third party on your behalf.
19.1. To provide increased value and convenience to our users, we may provide links to other websites or resources for you to access at your sole discretion and risk. You acknowledge and agree that, as you have chosen to enter the linked website we are not responsible for the availability of such external sites or resources, and do not review or endorse and are not responsible or liable in any way, whether directly or indirectly, for:
19.1.1. The privacy practices of such websites
19.1.2. The content of such websites, including (without limitation) any advertising, content, products, goods or other materials or services on or available from such websites or resources
19.1.3. The use which others make of these websites; or
19.1.4. Any damage, loss or offence caused or alleged to be caused to you, arising from or in connection with the use of or reliance upon any such advertising, content, products, goods, materials or services available on and/or purchased by you from such external websites or resources
20.1. You must not create a link to the Website from another website, document or any other source without first obtaining our prior written consent.
20.2. Any agreed link must be:
20.2.1. To the Website`s homepage
20.2.2. Established from a website or document that is owned by you and does not contain content that is offensive, controversial, infringes any intellectual property rights or other rights of any other person or does not comply in any way with the law in the UK and the law in any country from which they are hosted
20.2.3. Provided in such a way that is fair and legal and does not damage our reputation or take advantage of it
20.2.4. Established in such a way that does not suggest any form of association, approval or endorsement on our part where none exists
20.3. We have no obligation to inform you if the address of the Website home page changes and it is your responsibility to ensure that any link you provide to our homepage is at all times accurate.
20.4. We reserve the right to withdraw our consent without notice and without providing any reasons for withdrawal. Upon receiving such notice you must immediately remove the link and inform us once this has been done.
21.1. All notices given by you to us must be given to us at Twelve O’Clock Court Unit 7, 21 Attercliffe Road, Sheffield, England, S4 7WW or by using [email protected] We may give notice as described in clause 3
21.2. Notice will be deemed received and properly served immediately when posted on our Website, 24 hours after an email is sent, or three days after the date of posting of any letter. In proving the service of any notice, it will be sufficient to prove, in the case of a letter, that such letter was properly addressed, stamped and placed in the post and, in the case of an email, that such email was sent to the specified email address of the addressee.
22.1. The Contract represents the entire agreement between us in relation to the subject matter of the Contract and supersede any prior agreement, understanding or arrangement between us, whether oral or in writing.
22.2. We each acknowledge that, in entering into a Contract, neither of us has relied on any express or implied representation, undertaking or promise given by the other from anything said or written in any negotiations between us prior to such Contract except as has been expressly incorporated in such Contract.
22.3. Neither of us shall have any remedy in respect of any untrue statement made by the other, whether orally or in writing, prior to the date of any Contract (unless such untrue statement was made fraudulently) and the other party`s only remedy shall be for breach of contract as provided in these Conditions.
23.1. We reserve the right to change the domain address of this Website/App and any services, products, product prices, product specifications and availability at any time.
23.2. All prices and descriptions supersede all previous publications. All product descriptions are approximate.
23.3. Every effort is made to keep information regarding services/product availability on the Website/App up to date. However, we do not guarantee that this is the case, or that services/product will always be available.
23.4. If any provision of these terms and conditions is held by any competent authority to be invalid or unenforceable in whole or in part, the validity of the other provisions of the Contract and the remainder of the provision in question will not be affected.
23.5. All Contracts are concluded and available in English only.
23.6. If we fail, at any time during the term of a Contract, to insist upon strict performance of any of your obligations under it or any of these terms and conditions, or if we fail to exercise any of the rights or remedies to which we are entitled under the Contract, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with your obligations.
23.7. A waiver by us of any default shall not constitute a waiver of any subsequent default.
23.8. No waiver by us of any of these Conditions or of any other term of a Contract shall be effective unless it is expressly stated to be a waiver and is communicated to you in writing in accordance with clause 3
23.9. If we fail, at any time during the term of a Contract, to insist upon strict performance of any of your obligations under it or any of these terms and conditions, or if we fail to exercise any of the rights or remedies to which we are entitled under the Contract, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with your obligations.
24.1. The Website/App is controlled and operated in the United Kingdom.
24.2. Every purchase you make shall be deemed performed in England and Wales.
24.3. The Conditions and any Contract brought into being as a result of usage of this Website/App will be governed by the laws of England and Wales and you irrevocably agree to submit to the exclusive jurisdiction of the courts of England and Wales.
Phone No: +441144300131
1.1 These terms and conditions ("Terms and Conditions") govern the terms under which you may access and use the website (and for the purpose of these Terms and Conditions “website” will include our App (where applicable) and the services associated with it (together, the "Service"). By accessing, registering with and using the Service, you agree to be bound by the terms of the Terms and Conditions. If you don’t agree with Terms and Conditions do not access, register or use the services. The language of these Terms and Conditions is English and all Services, instructions and transactions carried out in connection with it shall be in English.
1.2 In these Terms and Conditions, the terms "Remit Choice", "we", "us", and “our” refer to:
1.2.1 RCL Money Transfer Limited, a company registered in Canada with corporation number 1432990-2, with its registered office 102-1270 CENTRAL PKWY W C/O INCORPPRO MISSISSAUGA, ON, CANADA L5C 4P4;
1.3 The terms "you" and "your" refer the Service users; as Senders, Recipients, or visitors to the website.
1.4 These Terms and Conditions are effective from the date on which you first access, register or use the Service. The Terms and Conditions may change from time to time as set out in clause 17.3 of these Terms and Conditions.
1.5 The Service was created: (a) to assist customers for sending money to their family and friends, and to receive money from family and friends. For security reasons, we recommend that you only send money to people you know personally
In these Terms and Conditions:
"App" means Remit Choice’s mobile application for (a) making Transaction.
"Business Day" means any day on which we are open for business for the execution of Transactions.
"Destination Country" means the country in which the Payee receives money through the Service.
"E-money" means electronically stored monetary value as represented by a claim of a Wallet holder on us which is issued on receipt of funds by us on your behalf.
"Instruction" means a Transaction / Transactions.
"Local Taxes" means any taxes or charges payable in the Destination Country.
"Payee" means someone who receives money.
"Payment Instrument" means a valid instrument of payment such as a bank account, debit card or credit card.
"Payout Amount" means the amount paid out, after any foreign exchange conversion, to the Payee’s account or over the counter, exclusive of the Service Fee.
"Prohibited" means activities which involve narcotics, steroids, pharmaceuticals, chemicals, drug paraphernalia, tobacco, seeds, plants, animals, military or semi-military goods or services, weapons (including dual-use goods), adult services or content, bitcoin or other cryptocurrency, binary options or gambling services or any other activities that are prohibited by Remit Choice’s policies as amended from time to time.
"Recipient" means: A Payee
"Sender" means someone who uses the Service to send money.
"Services" means any or all of the following services:
The following Terms shall have the following meaning(s) when used in the Terms, unless the context requires otherwise:
We are not required to provide you with the reason for exercising any of our rights in this clause, including the reasons for our decision and any follow-up procedure for correction, but may notify you of the reason in our sole discretion.
If you have sent money via the Application, you may exercise this right by:
We value your feedback as it helps us improve our Service. We have established internal procedures for complaints. You can make a complaint in writing to us regarding any aspect of the Service by by mail or e-mail to the following addresses:
If any court or competent authority holds that any of the provisions of these Terms or any provisions of a Contract are invalid, unlawful or unenforceable to any extent, that shall not affect the other terms of these Terms or the relevant Contract which will continue in full force and effect to the fullest extent permitted by law.
Phone No : +61383623121
This User
Agreement ("Agreement")
describes the terms by which you will be bound when you use the services
accessible at [www.remitchoice.com](https:// www.remitchoice.com) ("Service"). Do not use the
Service if you do not agree to be bound by these terms. By using the Service
you are agreeing to the terms of this Agreement.
As used throughout this Agreement, the terms "Remit Choice", "we", "us", and "our" refer to Remit Choice, Inc., a Minnesota U.S.A. corporation, together with its employees, directors, successors, and assignees. The terms "you" and "your" refer to users of the Service, whether as Senders or Recipients.
We recommend you use the Service to send money to friends and family and, therefore, you should not use the Service to send money to strangers.
The Service allows users to send international money transfers from the United States to other countries served by Remit Choice. A "Sender" uses the Service to send money and a "Recipient" receives money through the Service. A "Transaction" refers to an order to send money through the Service. The "Transaction Amount" is the amount in US dollars that the Sender provides to Remit Choice for transmittal to the Recipient. The "Payout Amount" is the amount paid out to the Recipient.
i. Breach this Agreement, or any other agreement
between you and Remit Choice;
ii. Provide false, inaccurate, or misleading
information;
iii. Refuse to cooperate in an investigation or
provide confirmation of your identity;
iv. Use an anonymizing proxy;
v. Provide yourself a cash advance from your
credit card (or help others to do so);
vi. Use any automatic device, or manual process to
monitor or copy our website.
The Transaction Amount will not be refunded
after completion. If, however, you are
not satisfied with our service for any reason we will always refund the fee
amount (if charged any). All refunds will be
credited to the same Payment Instrument used to pay for the Transaction.
Refunds are only made in U.S. dollars and 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. Please note that residents of certain jurisdictions
may have certain refund rights and complaint procedures, as described here:
You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Remit Choice does not forward the money received from You within 2 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 48 hours 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 send an email to customer support at [email protected]
Washington. As a Sender located in the
state of Washington, you are entitled to a refund of all moneys received for
transmittal within ten days of receipt of a written request for refund unless
any of the following occurs:
a)
The monies
have been transmitted and delivered to the recipient prior
to receipt of the written request for a refund;
b)
Instructions
have been given committing an equivalent amount of
money to the person designated by the customer prior to receipt of a
written request for a refund;
c)
Remit
Choice, or its authorized delegate has reason to believe that a crime
d)
has
occurred, is occurring, or may potentially occur as a result of transmitting
the money as requested by the customer or refunding the money as requested by
the customer; or
e)
Remit
Choice is otherwise barred by law from making a refund.
3. Complaints. Although we encourage you to share with us any concerns or questions you may have about our service, including your account or a specific transaction, you may also want to contact the money transmitter licensing authority in your state.
Consumer
Financial Protection Bureau Consumer Financial Protection Bureau - Website - www.consumerfinance.gov/complaint - Call (855) 411-2372 TTY/TDD: (855)729-2372
Washington
Department of Financial Institutions Division of Consumer Services 360-902-8703
or 877-746-4334 P.O. Box 41200 Olympia Washington 98504
Minnesota Department of Commerce at 85 7th Place East Suite 280 ST Paul MN 55101 and phone: 651-539-1600. Consumer Financial Protection Bureau; 855-411-2371
You acknowledge
that the Service, including the content of this website, text, graphics, logos,
and images, as well as all other Remit Choice copyrights, trademarks, logos,
and product and service names are owned exclusively by Remit Choice, Inc. (the "Remit Choice Intellectual
Property").
You agree not to
display, use, copy, or modify the Remit Choice 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 Remit Choice`s or any third party`s copyright, patent, trademark,
trade secret or other intellectual property rights, or rights of publicity or
privacy..
If you provide
us with any suggestions, feedback, reviews or input (“Customer Input”) related
to our Services, we (and our corporate group entities) will own all right,
title and interest in and to the Customer Input, even if you have designated
the Customer Input as confidential. We and our corporate group entities will be
entitled to use the Customer Input without restriction, including for marketing
or business purposes. You assign to us all right, title and interest in and to
the Customer Input and agree to provide us with any assistance we may require
to document, perfect and maintain our rights in the Customer Input. For this
purpose the word: “assign” is legal term which means legally transferring the
benefit, such as you legally transferring the benefit of the Customer Input to
us.
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 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. In any event, you may have a right to a refund as
expressly described herein. Consistent with federal law, if the Payout Amount
is not available to the Recipient by the availability date shown on your
Transaction receipt, you can use the error resolution process described in
Section 7 above to notify us of the issue and you may be entitled to remedies
under federal law including a refund of our Service Fee.
Except to the
extent otherwise provided by the Electronic Fund Transfer Act and the
Remittance Transfer Rule thereunder, 12 C.F.R. § 1005.30 *et seq*., you agree
to indemnify and hold Remit Choice, Service Providers, and their respective
subsidiaries, officers, agents, partners, and employees 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 the Agreement, or your violation of any rights of another.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL REMIT CHOICE, 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 REMIT CHOICE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM NEGLIGENCE ON THE PART OF REMITL CHOICE, DISBURSEMENT PARTNERS, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, OR EMPLOYEES. FOR THE AVOIDANCE OF DOUBT, NOTHING IN THE PRECEDING SENTENCE LIMITS THE MONETARY REMEDIES YOU ARE OTHERWISE ENTITLED TO UNDER 15 U.S.C. § 1693m(a).
By accepting
this User Agreement as indicated below, you consent to receive and view
disclosures, notices, statements and other communications (collectively,
“Communications”) from Remit Choice
relating to your account electronically by any of the following means:
•
Text to
your mobile phone number associated with your account (which may include a link
to Communications on our website or in our Service);
•
To your
email associated with your account; or
•
Notifications
from our web or mobile application.
Delivery by any of these means will
constitute proper notice to you under applicable law. You acknowledge that
Communications will include, but may not be limited to, the following:
•
Our
website, Privacy Policy, or User Agreement
•
Disclosures
and/or amendments we may provide you under our Legal Policies and Agreements;
•
Activity
and any other information regarding your use of our Service and account;
•
Receipts,
confirmations, status updates, authorizations and transaction history for your
account
•
Communications
regarding the resolution of any claimed errors; and
•
Communications
required or permitted by law or regulation.
Your Right to Revoke
Consent. Because we communicate electronically, you
must provide your consent to receive Communications electronically in order to
establish a
Remit Choice
account and use our Service. You may withdraw your consent to receive all
Communications
electronically by contacting our Customer Service through the Contact Us page
on our website. If you fail to provide, or if you withdraw, your consent to
receive Communications electronically, we will decline to establish an account
for you, or we will terminate, suspend or decline to provide the Service,
unless you are entitled by applicable law to receive non-electronic
Communications.
HARDWARE & SOFTWARE REQUIREMENTS: In
order to receive Communications, whether by text or email, you need to have a
means of printing or storing them. So, in addition to having an email address
and phone number you must have the following:
•
Computer
or mobile device with Internet connection;
•
A current
web browser with cookies enabled;
•
A valid
email address on file in your account;
•
Ability to
store or print the Communications; and
•
We reserve
the right to change these System Requirements and will provide you with a
Communication when we make a material change to the System Requirements.
Receiving Texts and emails. In order to receive Communications, you must ensure that the
primary mobile phone and/or email address that you provide us is your valid,
current phone number or email address, and you are able to receive at that
address texts or email messages containing Communications including attached
electronic documents and that such Communications, including portions that are
attached documents are available for viewing and storing or printing by you.
You agree to promptly update your email address by updating your account if
your email address changes. You acknowledge that our ability to notify you of
the availability of your Communications is contingent on the validity of mobile
phone number and email address in our records.
You understand and agree that if we send you a Communication and you are
unable to receive the Communication because you provided inaccurate or blocked
contact information or if the Communication is otherwise unavailable to you, we
will deem such Communication provided to you.
However, if your mobile phone or email address is no longer valid, we
reserve the right to determine your account is inactive or take other actions
as set forth in this Agreement. You will not be able to conduct any
transactions in your account until you update your mobile phone or email
address in your account.
Reservation of Rights. The Service does not allow for Communications to be provided in
paper format or through other non-electronic means. However, we reserve the
right to provide you with any Communication in writing, rather than
electronically. You agree to maintain on file with us your current street
address and to promptly update your address in the event it changes by updating
your account. Although we may waive our fee for delivery of paper
Communications, we reserve the right to charge a Communication request fee and
to increase this fee in our discretion.
Print Disclosures. We
recommend that you print a copy of this Agreement and any Communication that
you view electronically for your records as the Communication may not be
accessible online at a later date.
Your Consent. By clicking on the “Next”, “Send Money”, “Sign Up” or “Join Now” button in our sign up flow, which you adopt as your electronic signature, you agree that (i) we may provide Communications to you electronically, on the terms and conditions set forth in this Agreement (ii) the consent shall last until you revoke your consent, and (iii) you meet the System Requirements specified above. If you do not wish to receive Communications electronically, you will not be able to open an account with us to use our Service.
General. You understand
and agree that we are responsible for sending the Communications to you
electronically by email or text to the address in your Account profile or
through the Service. We are not responsible for any delay or failure in your
receipt of the email or text notices and whether or not you choose to view the
Communication, subject to your right to revoke your consent to receive
Communications electronically.
Your security is
very important to Remit Choice, and we use a variety of security measures to
make sure that your information is secure. We urge you to think 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. If you
think you have been or might be a victim of fraud, please contact us
immediately by telephone at +12024991495 (outside the United States, call +441144300131
If you are aware
of anyone or any entity that is using the Service inappropriately, please email
us at ([email protected]). If you receive any fake (phishing) emails,
purporting to be from Remit Choice, please forward them to us at [email protected].
This Agreement
is drafted in the English language and translations may be provided in other
languages. You agree that the English version of the Agreement will control in
the event of any inconsistency between the English and translated versions in
any dispute related to this Agreement.
Questions,
notifications, and requests for refunds or further information can be sent to Remit Choice, as follows:
By visiting website: www.remitchoice.com/contact-us
By email at: [email protected]
By telephone at: +12024991495 (outside the United States, call +441144300131)
By mail/post to: Remit Choice Inc., 7400 Metro Blvd #427 Edina MN 55439
NOTES:
The Terms &
Conditions below are in effect for all Remit Choice Limited transactions and
registrations. The Terms and Conditions set forth below describe the Terms
& Conditions that apply to and govern your access of the Remit Choice
website, mobile phone application and services (as defined below). Do not use
or access the Remit Choice website, mobile phone application or services if you
do not agree to be bound by such Terms & Conditions.
The Remit Choice service is Registered in New Zealand by Remit Choice Limited, a registered company in New Zealand under NZ Company No: 8324881 and a Registered financial services provider – FSP1003075. As the contractual supplier of the Remit Choice service, the service is arranged by Remit Choice Limited in conjunction with Remit Choice Limited the parent company registered in the UK under Company Registration number: 11770361. Remit Choice Limited is also authorized and regulated by the Financial Conduct Authority (FCA); Registration number: 949756.
1.CONTRACT FORMATION AND OVERVIEW
1.1 These Terms and Conditions govern the terms under which you
may access and use this website, mobile phone application and the services
associated with it (together, the "Service"). By
accessing, registering with and using the Service, you agree to be bound by the
terms of the Terms and Conditions. If you do not wish to be bound by the Terms
and Conditions do not access, register with or use the Service. The language of
these Terms and Conditions is English and all Services, instructions and
transactions carried out in connection with it shall be in English.
1.2 In these Terms and Conditions, the terms "Remit
Choice", "we", "us", and"our" refer
to Remit Choice, together with its employees, directors, affiliates including
the Remit Choice Limited entity, successors, and assigns. Remit Choice Limited
is a company incorporated in the United Kingdom (Company No. 11770361) with its
registered office at First Floor Unit 7 21 Attercliffe Road, Twelve`O
Clock Court, Sheffield, South Yorkshire, United Kingdom, S4 7WW. It is also
registered with the Financial Conduct Authority (FCA) having registration
number 949756.
1.3 The terms "you"
and "your" refer to users of the Service, whether in their
capacity as Senders, Recipients, or visitors to this website.
1.4 These Terms and Conditions may change from time to time, but
changes will only be effective from the date they are made and will not change
the terms on which you previously used the Service.
1.5 The Service was created to assist customers to send money to
their family and friends, and to receive money from family and friends, around
the world. For security reasons, we recommend that you only send money through
the Service to people you know personally. You must not use the Service to send
money to strangers for example sellers of goods and/or services, private or
retail.
2. DEFINITIONS
In this Terms and Conditions:
"Destination Country" means the country in which the Recipient receives
money through the Service.
"Local Taxes" means any taxes or charges payable in the Destination
Country.
"Payment Instrument" means a valid instrument of payment such as a bank
account, debit card or credit card.
"Payout Amount" means the amount paid out to the Recipient, after any
foreign exchange conversion and excluding Local Taxes.
"Recipient" means someone who receives money through the Service.
"Sender"means someone who uses the Service to send money.
"Service Fee" means the fee plus any additional charges applicable
to each Transaction.
"Service Provider" means a local bank, money exchange house, or other
third party service providers in the Destination Country with whom Remit Choice
works in providing the Service.
"Transaction" means a specific instruction to send money through the
Service.
"Transaction Amount" means the amount of money that the Sender wishes to send to the Recipient, excluding any applicable fees and prior to any foreign exchange conversion.
3. OUR OBLIGATIONS
3.1 Subject to these Terms and Conditions, we agree to provide the
Service to you using reasonable care. The Service may not be available in whole
or in part in certain regions, countries, or jurisdictions.
3.2 We are not obliged to process any particular Transaction. When
you submit a Transaction, you are requesting that we process the Transaction on
your behalf. We may, in our sole discretion, choose whether or not to accept
the offer to process that Transaction. However, if we decide not to process the
Transaction, we will notify you promptly of that decision and repay the money
paid to us.
3.3 Remit Choice reserves the right to modify or discontinue the
service or any part of the Service without notice, at any time and from time to
time. We may, in our absolute discretion, refuse any Transaction or limit the
amount to be transferred, either on a per transaction basis or on an aggregate
basis, and either on individual accounts or on related accounts.
3.4 We may, in our sole discretion, refuse Transactions from
certain Senders or to certain Recipients, including but not limited to entities
and individuals on restricted or prohibited lists issued from time to time by
the NZ Government. In addition, not all Payment Instruments are available to
all customers at all times and we may, in our sole discretion, refuse
Transactions funded from certain Payment Instruments.
3.5 We will attempt to process Transactions promptly, but any
Transaction may be delayed or cancelled for a number of reasons including but
not limited to: our efforts to verify your identity; to validate your Transaction
instructions; to contact you; or otherwise to comply with applicable law; or
due to variations in business hours and currency availability.
3.6 We will attempt to provide Senders and Recipients with up to
date information regarding the location and opening hours of our Service
Providers by means of information on our website. However, you agree that Remit
Choice shall not be held responsible for any inaccuracies that may appear in
that information or any consequential loss which may result from incorrect or
incomplete information.
4. YOUR OBLIGATIONS
You agree that:
4.1 you will not access, use or attempt to use the Service as a
Sender unless you are at least 18 years old and that you have the legal
capacity to form a binding legal contract in the relevant jurisdiction;
4.2 for each Transaction that you submit, you will pay us the
Service Fee in addition to the Transaction Amount. Payment becomes due at the
time that you submit your Transaction. If you submit a Transaction that results
in Remit Choice becoming liable for charges including but not limited to
chargeback or other fees, you agree to reimburse us for all such fees;
4.3 in connection with your registration and use of the Service,
you will:
4.3.1 provide us with true, accurate, current and complete
evidence of your identity, and promptly update your personal information if and
when it changes;
4.3.2 provide our merchant with details of one or more Payment
Instruments; and
4.3.3 provide us with true, accurate, current and complete
information for all Transactions.
We do not accept any liability for damages resulting from
non-payment or delay in payment of a money transfer to a Recipient or failure
to perform a transaction under the Service by reason of any of these matters.
4.4 when you pay for a Transaction in one currency and the
Recipient is paid in another currency, there will be a difference between the
exchange rate at which we buy foreign currency and the exchange rate provided
to you. Remit Choice and its Service Providers usually make a small profit in
these circumstances. If such account is denominated in another currency the
amount to be received by the Recipient will be reduced by the amount of extra
charges incurred by reason of the incorrect information given by you and we
will have no obligation to make good such reduction;
4.5 when you are sending money under these Terms and Conditions,
it is your responsibility to make sure all the Transaction details are accurate
before submission. Once a Transaction has been submitted for processing it is
not normally possible to change any of its details. You will be given the
opportunity to confirm Transactions before submission and you must check the
details carefully.
4.6 Remit Choice will have no responsibility for any fees or
charges you may incur by the use of a particular Payment Instrument to fund a
Transaction. These may include but are not limited to unauthorised overdraft
fees imposed by banks if there are insufficient funds in your bank account or
"cash advance" fees and additional interest which may be imposed by
credit card providers if they treat use of the Service as a cash transaction
rather than a purchase transaction;
4.7 you will only use the Service to send money to people that you
know personally and not to pay for goods or services. If, in breach of this
clause, you choose to pay third parties for goods and services using the
Service, you acknowledge that Remit Choice has no control over, and is not
responsible for, the quality, safety, legality, or delivery of such goods or services
and that any such use of the Service is entirely at your own risk. If Remit
Choice reasonably believes you are using the Service to purchase goods or
services, we reserve the right to cancel your Transaction(s);
4.8 both you and the Recipients will only act on your own behalf.
You may not submit or receive a Transaction on behalf of a third person. If you
intend to submit or receive a Transaction on behalf of a company, business or
any entity other than a human individual, you must first inform Remit Choice of
your desire to do so and provide us with any additional information about the
entity we may request in order that we may decide whether to permit the
Transaction;
4.9 in using the Service you will comply with these Terms and
Conditions as well as any applicable laws, rules or regulations. It is a breach
of these Terms and Conditions to use the Service to send money (i) to a
Recipient who has violated the Terms and Conditions, or (ii) in connection with
illegal activity including without limitation money-laundering, fraud and the
funding of terrorist organisations. If you use the Service in connection with
illegal activity, Remit Choice may report you to the appropriate legal
authorities;
4.10 when using our website, mobile phone application or the
Service or when interacting with Remit Choice, with another user or with a
third party, you will not:
4.10.1 breach this Terms and Conditions, or any other agreement
between you and Remit Choice;
4.10.2 open more than one account, without our prior written
permission;
4.10.3 provide false, inaccurate, or misleading information;
4.10.4 allow anyone else access to your registration details, and
will keep those details secure;
4.10.5 refuse to provide confirmation of any information you
provide to us, including proof of identity, or refuse to co-operate in any
investigation;
4.10.6 use an anonymizing proxy (a tool that attempts to make
activity untraceable); or
4.10.7 copy or monitor our website using any robot, spider, or
other automatic device or manual process without our prior written permission.
4.11 Remit Choice may, as necessary in providing the Service, store all information required of a Recipient to prove his or her identity or associated with their specific Transaction. Such proofs may include a suitable form of valid, unexpired identification from a list of acceptable papers provided by the Service Provider, and/or a Transaction tracking number, a personal identification number (PIN), a "password", a "secret word", or other similar identifiers.
5. CANCELLATION AND REFUNDS
5.1 If you have any problems using the Service you should contact
us through the channels listed at the end of this Terms and Conditions.
5.2 You have the statutory right to cancel your agreement with us
after you have submitted a Transaction. This right of cancellation continues
until fourteen days after you have submitted the transaction, or until we have
completed the contract by paying the Payout Amount to the Recipient, whichever
is the earlier. If you exercise your right to cancel under this clause, we may
make a cancellation charge.
5.3 If you wish to exercise your right to cancel under this
clause, you must submit a written request to one of the contact points listed
at the bottom of this Terms and Conditions, giving the Sender`s full name,
address, and phone number, together with the Transaction tracking number,
Transaction Amount, and the reason for your refund request.
5.4 Any refunds will be credited back to the same Payment
Instrument used to fund the Transaction and in the same currency. No adjustment
will be made for any currency fluctuations which may have occurred in the
meanwhile.
6. COLLECTION OF INFORMATION
6.1 Customer Identification Program. NZ law
requires all financial institutions to assist in the fight against money
laundering activities and the funding of terrorism by obtaining, verifying, and
recording identifying information about all customers. We may therefore require
you to supply us with personal identifying information and we may also legally
consult other sources to obtain information about you.
6.2 Verification and Checks. We will verify your
residential address and personal details in order to confirm your identity. We
may also pass your personal information to a credit reference agency, which may
keep a record of that information. You can be rest assured that this is done
only to confirm your identity, that a credit check is not performed and that
your credit rating will be unaffected. All information provided by you will be
treated securely and strictly in accordance with the applicable AML/CFT laws
and Privacy Act 1993.
6.3 By accepting these Terms and Conditions you authorise us to
make any inquiries we consider necessary to validate the information that you
provide to us. We may do this directly, for example by asking you for
additional information, requiring you to take steps to confirm ownership of
your Payment Instruments or email address; or by verifying your information
against third party databases; or through other sources.
6.4 Data Privacy Policy. You consent to our
processing your personal information for the purposes of providing the Service,
including for verification purposes as set out in this clause. You also consent
to the use of such data for communicating with you, and for statutory,
accounting and archival purposes.
6.5 Government Disclosures. We may be required by
law to provide information about you and your Transactions to government or
other competent authorities as described in our Data Privacy Policy. You
acknowledge and consent to our doing this.
7. INTELLECTUAL PROPERTY
7.1 The Remit Choice website, Remit Choice mobile phone
application and Remit Choice Service, the content, and all intellectual
property relating to them and contained in them (including but not limited to copyrights,
patents, database rights, trademarks and service marks) are owned by us, our
affiliates, or third parties. All right, title and interest in and to the Remit
Choice Online Site and the Remit Choice Online Service shall remain our
property and/or the property of such other third parties.
7.2 The Remit Choice website and the Remit Choice Service may be
used only for the purposes permitted by these Terms and Conditions or described
on this website. You are authorised solely to view and to retain a copy of the
pages of the Remit Choice website for your own personal use. You may not
duplicate, publish, modify, create derivative works from, participate in the
transfer or sale of, post on the internet, or in any way distribute or exploit
the Remit Choice website, the Remit Choice Service or any portion thereof for
any public or commercial use without our express written permission. You may
not: (a) use any robot, spider, scraper or other automated device to access the
Remit Choice website or the Remit Choice Service; and/or (b) remove or alter
any copyright, trademark or other proprietary notice or legend displayed on the
Remit Choice website (or printed pages of the website). The name Remit Choice
and other names and indicia of ownership of Remit Choice`s products and/or
services referred to on the Remit Choice website are our exclusive marks or the
exclusive marks of other third parties. Other product, service and company
names appearing on the website may be trademarks of their respective owners.
8. WARRANTIES AND LIABILITY
8.1 We will refund to you any benefit which we receive as a result
of any breach of our agreement with you (this means that, for example, where a
money transfer has failed in such circumstances we will refund to you the
Transaction Amount and the Service Fee).
8.2 If a money transfer is delayed or fails, you may have a right
to receive a refund or compensation under laws relating to the provision of
international money transfer services. We will provide you with the details of
your rights to a refund or compensation if you contact us using the contact
details at the end of this agreement.
8.3 Any claim for compensation made by you and/or a Recipient (who
is not registered with us) must be supported by any available relevant
documentation.
8.4 If any loss which you or a Recipient (who is not registered
with us) suffers is not covered by a right to payment under the laws referred
to in clause 8.2, we will only accept liability for that loss up to a limit
which is the greater of: (a) the amount of any service charge; and (b) NZD$200,
unless otherwise agreed by us in writing. Our cap on our liability only limits
a claim for loss arising out of any single transaction or related transactions,
or (if a loss does not arise out of a transaction or transactions) any single
act, omission or event or related acts, omissions or events. This means that
if, for example, you suffer loss by reason of our failure to perform our
agreement with you under two unrelated transactions, you may be able to claim
up to NZ$500.00
8.5 We do not, in any event, accept responsibility for:
8.5.1 any failure to perform your instructions as a result of
circumstances which could reasonably be considered to be outside our control;
8.5.2 Any malfunction in communications facilities which cannot
reasonably be considered to be under our control and that may affect the
accuracy or timeliness of messages you send to us;
8.5.3 any losses or delays in transmission of messages arising out
of the use of any internet service provider or caused by any browser or other
software which is not under our control; 8.5.4 errors on the website or with
the Service caused by incomplete or incorrect information provided to us by you
or a third party.
8.6 Nothing in this clause 8 shall (a) exclude or limit liability
on our part for death or personal injury resulting from our negligence; or (b)
exclude liability for our fraud.
8.7 Where you are sending a money transfer to a Recipient who is
not registered with us, you agree to accept the provisions of this clause 11
not only for yourself, but also on behalf of the Recipient.
8.8 Your relationship is with Remit Choice only. You agree that no
affiliate or agent of Remit Choice owes you any duty of care when performing a
task which would otherwise have to be performed by Remit Choice under its
agreement with you.
8.9 You agree to indemnify and hold harmless Remit Choice, our
subsidiaries, affiliates, officers, directors, employees, agents, independent
contractors, advertisers, partners, and co-branders from all loss, damage,
claims, actions or demands, including reasonable legal fees, arising out of
your use or misuse of this website or Service, all activities that occur under
your password or account e- mail login, your violation of this Terms and Conditions
or any other violation of the rights of another person or party.
9. ELECTRONIC COMMUNICATIONS
9.1 You acknowledge that this Terms and Conditions shall be
entered into electronically, and that the following categories of information ("Communications") may
be provided by electronic means:
9.1.1 This Terms and Conditions and any amendments, modifications
or supplements to it.
9.1.2 Your records of transactions through the Service.
9.1.3 Any initial, periodic or other disclosures or notices
provided in connection with the Service, including without limitation those
required by law.
9.1.4 Any customer service communications, including without
limitation communications with respect to claims of error or unauthorised use
of the Service.
9.1.5 Any other communication related to the Service or Remit
Choice.
9.2 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 Terms and
Conditions.
10. TERMINATION
10.1 Either party may terminate this Terms and Conditions on one day`s
written notice.
10.2 We may terminate this Terms and Conditions with immediate
effect if you:
10.2.1 become, or are likely to become, insolvent or are declared
bankrupt;
10.2.2 are in breach of any provision of this Terms and
Conditions;
10.2.3 your use of the Service or the website is disruptive to our
other customers, or you do anything which in our opinion is likely to bring us
into disrepute;
10.2.4 breaches or attempts to breach the security of the website
(including but not limited to: modifying or attempting to modify any
information; unauthorised log-ins, unauthorised data access or deletion;
interfering with the service, system, host or network; reverse engineering of
any kind; spamming; hacking; falsifying data; introducing viruses, Trojan horses,
worms or other destructive or damaging programs or engines; or testing security
in any way);
11. COMPLAINTS
11.1 If you wish to make a complaint about any aspect of the Remit
Choice service, please send your complaint at the details mentioned in
the Contact Us page.
Please refer to the Privacy Policy for more information.
We will do our very best to acknowledge receipt of your complaint
within 2 business days of receipt. We will investigate your complaint and come
back to you with the results of our investigation and conclusion no later than
within 7 business days of receipt of your complaint. If you are not satisfied
with the manner in which we have dealt with your complaint, or the
outcome/resolution, then you may refer the matter to the Financial Dispute
Resolution Scheme:
By mail 142 Lambton Quay Wellington, City, Wellington 6011, New
Zealand
By phone 0508 337 337
By email: [email protected]
Online: http://www.fdr.org.nz/making-complaint/make-complaint
12. GENERAL
12.1 Governing law: this Agreement will be governed with the laws
in New Zealand and the parties submit to the exclusive jurisdiction of the New
Zealand Courts.
12.2 No Waiver: The failure of Remit Choice to exercise or enforce
any right or provision of the Terms and Conditions shall not constitute a
waiver of such right or provision.
12.3 Modification: We 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.
12.4 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.
12.5 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.
12.6 Any external links to third-party 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.
Security
We take security very seriously at Remit Choice, and we work hard,
using state-of-the-art security measures, to make sure that your information
remains secure. The Remit Choice 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 Remit Choice, which you suspect may be "phishing" (fake) emails,
please forward them to us using our contact form.
Contact Information
Questions, notices, and requests for refunds or further information should be sent to Remit Choice, as follows contact form.
Phone No : +6444880277
These Terms and Conditions (the “Terms and Conditions”) are offered by UAB REMIT CHOICE LIMITED, a company incorporated in the Republic of Lithuania with registered number 304861465, whose registered address is at Juozapavi?iaus g. 9A-100A, Vilnius, Lithuania and having a payment institution license No LB000498 issued by the Bank of Lithuania on 25-04-2019, authorizing us to provide Our Service and trading under the name `Remit Choice` (hereinafter “Remit Choice” "we”, “our” or “us”). Other our contact details are provided in clause 25 of these Terms and Conditions.
Bank of Lithuania is the supervisory authority of our licensed activities. Contact details of the Bank of Lithuania are the following:
Address: Gedimino ave. 6, Vilnius, LT-01103, Lithuania
Telephone number: +370 800 50 500
E-mail: [email protected]
It is important that you to read and understand these Terms and Conditions before you accept them. The Terms and Conditions are applicable to and are available on the Remit Choice Money Transfer mobile application managed by Remit Choice and/or any other company within Our Group (the “Remit Choice Money Transfer App”). Terms and Conditions explain your responsibilities to us and our responsibilities to you, including the extent of our liability to you.
BY COMPLETING AND CONSENTING TO THE INFORMATION REQUIRED TO MAKE A PAYMENT TRANSACTION AND BY ACCEPTING THESE TERMS AND CONDITIONS, YOU ARE AGREEING TO BE BOUND BY THESE TERMS AND CONDITIONS. PLEASE DO NOT USE ANY OF OUR SERVICES IF YOU DO NOT ACCEPT THESE TERMS AND CONDITIONS. THESE TERMS AND CONDITIONS ARE A LEGALLY BINDING AGREEMENT AND IT IS IMPORTANT THAT YOU TAKE THE TIME TO READ THEM CAREFULLY. AS YOUR ACTIONS BY INITIATING A PAYMENT TRANSACTION ARE CONSIDERED A ONE-TIME (SINGLE) TRANSACTION, YOU WILL BE REQUESTED TO ACCEPT THE APPLICABLE VERSION OF OUR TERMS AND CONDITIONS EACH TIME YOU INITIATE A PAYMENT VIA OUR PLATFORM.
CONSUMER FRAUD ALERT: WIRING MONEY IS JUST LIKE SENDING CASH. PROTECT YOURSELF FROM FRAUD BY SENDING MONEY ONLY TO PERSONS YOU KNOW OR CAN OTHERWISE VERIFY TO BE TRUSTWORTHY. IF YOU BELIEVE YOU ARE THE VICTIM OF FRAUD OR A SCAM, PLEASE CONTACT US IMMEDIATELY AT +37052075832 OR BY EMAIL AT [email protected] AND CONTACT YOUR LOCAL LAW ENFORCEMENT AUTHORITIES.
2. OVERVIEW
These Terms and Conditions govern the provision of Our Services, consisting of the execution of Payment Transaction ordered by you through the Remit Choice Money Transfer App. These Terms and Conditions shall apply to your use of Remit Choice Money Transfer App where you instruct us to perform, and we agree to perform for you Our Services, including all content, functionality and services offered through it..
Our obligations under these Terms and Conditions are conditional upon our acceptance of you as a user (our customer), which is at our sole discretion and we reserve the right to decline to provide Our Services to you without specifying a reason. You must promptly provide all information and documentation which we may request from you at any time to enable us to comply with any legal requirements on us relating to Our Services, including as may be required by anti-money laundering and anti-terrorist financing regulations, and you consent to us contacting you for these purposes.
Under these Terms and Conditions, you will be provided only with a Money Remittance service. No payment account will be opened for you.
The following terms used throughout these Terms and Conditions in capital letters shall have the meaning and scope indicated below:
“Bank Card” means a Visa or MasterCard credit card, or a debit card held by you. "Business Day" means Monday to Friday, excluding public holiday days in Lithuania.
“Money Remittance” means a payment service where funds are received from you, without any payment account being created with us in your name or the Recipient’s name, for the sole purpose of transferring these funds to the Recipient or another payment service provider acting on behalf of the Recipient and (or) when such funds are received on behalf of and made available to the Recipient.
“Our Group” is defined in clause 20 below.
"Our Services" means the Money Remittance service which we provide to you.
"Paying Agent" means a natural person or a legal entity acting as a third-party provider of payment services or our agent acting who pays out funds to the Recipient in the destination country identified by you in the Payment Order initiated by you while using Our Services.
"Payment Order" means all instructions submitted by you to us requesting the execution of a Payment Transaction.
"Payment Transaction" means the transfer of funds to a Recipient initiated by you while using Our Services.
"Recipient" means the individual designated by you as the receiver of the Payment Transaction, who is acceptable to us and who receives the money transfer via a designated Paying Agent or by bank transfer to the bank account of such designated individual.
"Remit Choice Money Transfer App" is defined in the paragraph headed ‘Introduction’ above.
Other terms used throughout these Terms and Conditions are defined in the below text.
Once you enter the above information, you will be required to authenticate the Payment Order by means required by your Card issuer and by us.
We will only accept a Payment Order which is given to us through the Remit Choice Money Transfer App. Your instruction to perform a Payment Transaction will be treated by us as your consent for us to proceed with, and our authorisation to perform, that Payment Transaction.
We accept payment by Bank Card as the designated method of payment to us for the execution of your Payment Transaction and the customer fee we charge for the Payment Transaction. You must:
(i) authorise your Card Issuer to transfer the funds required by us for the Payment Transaction so that: (a) such funds are charged to the account linked to your Bank Card; and (b) we receive an authorisation from the Card Issuer and subsequently receive the funds required by us to proceed with the Payment Order;
(ii) ensure that your method of payment has sufficient funds or credit available and received by us in time to enable us to proceed with the Payment Order;
(iii) ensure that we have received the funds we tell you are required to proceed with the Payment Transaction before we execute your Payment Order. This sum must be immediately available to us in cleared funds and made by your Bank Card.We do not provide credit and are not able to advance any funds to cover any part of your Payment Transaction.
Your Card Issuer and/or your bank or credit institution will also have terms and conditions that apply to your use of your Bank Card or bank account to which the Bank Card is linked and you must refer to such agreement(s) when making the funds required for the Payment Transaction to proceed as such terms and conditions may include the application of fees and charges and other provisions imposed by your Card Issuer and/or your bank or credit institution.
Collection of a Payment Transaction via a Payment Agent
Subject to applicable laws, we shall proceed with the execution
of the Payment Order and make funds available to the Recipient at the latest by
the end of the Business Day following the Day of Receipt.
For regular Payment Transactions, the funds are normally available for collection within a few minutes, subject to the business hours of the respective Paying Agent, where applicable. For some countries, Our Services may be delayed or other restrictions may apply. If you require further information, please contact our customer service team, the contact details of whom are in clause 25 of the Terms and Conditions.
To collect a Payment Transaction from a Paying Agent, the Recipient must provide all details about the Payment Transaction required by us (“Collection Details”). The Recipient must also provide photographic evidence of identity (e.g. passport, ID card). The acceptable forms of evidence of identity differ depending on the country in which the funds are to be collected. You remain ultimately responsible for the submission of the Collection Details to the Recipient.
YOU MUST NOT GIVE ANY OF THE COLLECTION DETAILS (REDACTED OR OTHERWISE) TO ANYONE OTHER THAN YOUR CHOSEN RECIPIENT. YOU MUST ALSO DO ALL YOU REASONABLY CAN TO ENSURE THAT NO ONE, OTHER THAN YOUR CHOSEN RECIPIENT, CAN OBTAIN THE COLLECTION DETAILS OR ANY PART OF THEM. IF YOU DIRECTLY OR INDIRECTLY DISCLOSE ANY COLLECTION DETAILS TO ANYONE OTHER THAN YOUR CHOSEN RECIPIENT, WE WILL NOT BE LIABLE IF WE PAY THE FUNDS TO SOMEONE OTHER THAN THE RECIPIENT, WHO GIVES THE PAYING AGENT THE COLLECTION DETAILS AND, WHAT THE AGENT BELIEVES TO BE VALID EVIDENCE OF IDENTIFICATION.
You will be liable to us for all losses which we suffer or incur relating to any fraud or fraudulent activity by you at any time. However, you shall not suffer any loss or fees in the event an unauthorized Payment Transaction is executed by us through no fault of yours.
11. NON-EXECUTION OR FAULTY EXECUTION OF PAYMENT TRANSACTIONS
We, as your payment service provider, are responsible for the proper execution of Payment Transactions, provided that all Payment Transaction details provided by you are correct, properly submitted and there is no ground to reject the execution of the Payment Transaction. Accordingly, we may be liable to you under applicable laws where we fail to perform or incorrectly perform any Payment Transaction that you authorised us to perform.
Where you believe we may have failed to perform or incorrectly performed such a Payment Transaction, you should let us know as soon as possible via the contact details set out at clause 25 below and, if you request, we will make immediate efforts to investigate the matter and let you know the outcome of our investigation.
Subject to the paragraphs below, where we have failed to perform or incorrectly performed such a Payment Transaction, we will without undue delay make good and correct the error and deliver the amount of the unperformed or incorrectly performed Payment Transaction as originally instructed. You will not be charged for such corrected Payment Transaction.
You will not be entitled to the remedy mentioned above:
We will have no liability to you for failure to execute, or any incorrect execution of, a Payment Transaction where the reason was our refusal to proceed with that Payment Transaction or any part of it or if the Payment Transaction was incorrectly performed due to your fault (e.g. by providing incorrect payment or Recipient data).
We will have no liability to you for failure to execute, or any incorrect execution of, a Payment Transaction where the reason was our refusal to proceed with that Payment Transaction or any part of it or if the Payment Transaction was incorrectly performed due to your fault (e.g. by providing incorrect payment or Recipient data).
We may suspend Our Services to you immediately:
We reserve the right, in our sole discretion, to impose ‘acceptable purpose’ terms in relation to the provision of Our Services, including the prohibition of certain categories of Payment Orders.
We will report any suspicious activity to the Financial Crime Investigation Service (Lithuanian Financial Intelligence Unit).
If any Payment Transaction is conducted or attempted to be conducted in breach of the acceptable purpose prohibitions applicable from time to time, we reserve the right to reverse the Payment Transaction, and/or close or suspend your use of Our Services and / or report the transaction to the relevant law enforcement agency and/or claim damages from you.
Where you have authorised us to perform a Payment Transaction, we will go ahead with that Payment Transaction unless:
For the avoidance of doubt, we will not accept any Cancellation if:
Notwithstanding the above, if you provide us with clear Cancellation instructions, other than in the circumstances described above where we will not accept a Cancellation, we will attempt (to the extent possible at that time) to cancel the Payment Transaction prior to the Payment Transaction being paid out to the Recipient. We will not, however, be liable for any losses incurred in connection with the Cancellation or if the Cancelation cannot not be performed (e.g. in the event it has been executed and the funds have been received by the Recipient) and we reserve the right to charge you a fee to cover our reasonable costs for a Cancellation.
We do not assume any liability if we are unable to perform any of our obligations to you or our performance of any of our obligations is delayed due to any circumstances outside of our reasonable control, including (without limitation) any industrial action, labour dispute, act of God, fire, flood or storm, war, riot, civil commotion, siege, security alert, act of terrorism or any resulting precautionary measures taken, act of vandalism, sabotage, virus, malicious damage, compliance with any statute, statutory provision, law, governmental or court order, the actions or instructions of the police or of any governmental or regulatory body which authorises us to perform Our Services, cut or failure of power, failure of equipment, systems or software or internet interconnectivity or the occurrence of any extraordinary fluctuation in any financial market that may materially adversely affect our ability to perform Our Services or our obligations under Lithuanian law. If any of these circumstances occur in the course of executing Payment Transaction, then the Terms and Conditions that were applicable at the moment the Payment Order was placed, shall be suspended for the period during which the circumstances continue or, at our discretion and in order to protect both you and us, we may terminate these Terms and Conditions.
As part of your relationship with us, you may receive electronic notifications and communications in writing related to Our Services. In light of our commitment to protecting the environment and to facilitate the use of Our Services, such notifications and communications will be carried out in electronic form (e.g. email, notifications in the Remit Choice Money Transfer App, sms). To this end, and to the extent permitted by applicable law at any given time, you agree to receive in electronic format all information that we would otherwise be required to provide to you in paper form, including, but not limited to: (i) legally required disclosures, notices and other communications associated with your access to or use of Our Services, including information about fees or charges and any and all legally required pre and post Payment Transaction disclosures; (ii) confirmation regarding collection and/or receipt of a Payment Transaction; (iii) these Terms and Conditions, any updates or changes in these Terms and Conditions and other informational mailings regarding the same; (iv) customer service communications; (v) privacy policies and notices; (vi) information regarding the debiting or charging, as applicable of your selected payment method; (vii) any and all legally required error resolution policies, and responses to claims filed in connection with your access to or use of Our Service (viii) any other communications related to your access to and/or use of Our Service, and (ix) with your consent, marketing and other promotional communications.
You must keep your e-mail address and any other electronic address and contact details (including your mobile telephone number) current in the Remit Choice Money Transfer App.
In order to ensure that we are able to provide notices, disclosures and statements to you electronically, you must notify us of any change in your e-mail or other electronic address and your mobile telephone number. You may update the e-mail address and mobile telephone number we have on record for you through the Remit Choice Money Transfer App.
If you print, copy, modify, download or otherwise use any part of the Remit Choice Money Transfer App in breach of the Terms and Conditions, your right to use the Remit Choice Money Transfer App will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in the Remit Choice Money Transfer App or any content on the site is transferred to you, and we, our licensors, along with any of the companies that form part of Our Group and their licensors, all reserve all rights not expressly granted. Any use of the Remit Choice Money Transfer App not expressly permitted by these Terms and Conditions is a breach of these Terms and Conditions and may violate copyright, trademark and other laws.
Our Privacy Policy is available on our website, sets out the terms on which we process any personal data we collect from you, or that you otherwise provide or have provided to us. Our Privacy Policy is GDPR compliant. By using the Remit Choice Money Transfer App, you consent to such processing and you represent and warrant that all data provided by you is accurate.
Our total liability to you in connection with a Payment Transaction is limited to the full amount of the Payment Transaction together with any charges for which you may be responsible and any interest which you may be required to pay as a consequence of any non-performance or incorrect performance by us of the Payment Transaction.
We will not be liable to you where this is due to abnormal and unforeseeable consequences beyond our control, the consequences of which would have been unavoidable despite all efforts by us to the contrary or where this is due to other obligations imposed on us under other provisions of European Community or national law.
Any complaints about Our Services shall be addressed to us in a written form in the first instance by contacting our customer services team by the means indicated in clause 24 above. We will respond to your complaint in writing or using another durable medium. In exceptional cases, due to reasons which are beyond our control, we may send you a preliminary response by indicating reasons for delay and the timeline by which you will receive our final response. Handling of complaints is free of charge and your claim must be submitted to us in English.
Should you not be satisfied with our final response, or should we fail to respond to you, you always have a right to address your complaint to the Bank of Lithuania. You may submit to the Bank of Lithuania a request to protect your rights and legitimate interests which you consider having been violated. Such complaints may be submitted in writing or by electronic means to the following addresses: (i) Totori? g. 4, LT-01121 Vilnius, [email protected], and/or (ii) Žalgirio g. 90, Vilnius, e-mail: [email protected]). Complaints must be submitted in the Lithuanian or English languages; however, the Bank of Lithuania does not undertake to assess the complaint provided in English as the priority shall always be given to the Lithuanian language. Addressing us first is a precondition for you to apply to the Bank of Lithuania. The decision of the Bank of Lithuania is not mandatory for us or you.
In the event you are generally not content with us or Our Services, and where there is no claim or disagreement between us and you, you may always approach the Bank of Lithuania by submitting a complaint to the Bank of Lithuania at Totori? str. 4, LT-01121 Vilnius, email: info@lb.lt, or to the Supervision Service of the Bank of Lithuania, Žalgirio str. 90, LT-09303 Vilnius, email: [email protected].
You shall always have a right to apply to the court with a claim. You may exercise this right even before (or after) the dispute was resolved by the Bank of Lithuania.
Any dispute arising out of or in connection with the Terms and Conditions, including without limitation any disputes regarding its valid conclusion, existence, nullity, breach, termination or invalidity shall be finally referred to and resolved by the courts of the Republic of Lithuania, except where prohibited or otherwise required by EU law. Before referring the dispute to court, you and we will endeavor to resolve the dispute by amicable negotiations.
These Terms and Conditions, its subject matter and its formation, are governed by Lithuanian law. As a resident consumer of other EU members states, you will also benefit from any mandatory provisions of the consumer protection laws of those countries, unless otherwise required under applicable laws.
The language of these Terms and Conditions shall be English and by accepting these Terms and Conditions you agree with it.
All communication in relation to the provision of Our Services shall be made in the English language.
If any court of competent jurisdiction finds that any part of the Terms and Conditions is invalid, unlawful or unenforceable for any reason, those parts (to the extent possible) shall be deleted from thee Terms and Conditions and the remaining parts shall remain in force and continue to be binding on you and us.