Terms and Conditions

ACCEPTANCE OF THESE TERMS AND CONDITIONS; UPDATES TO TERMS AND CONDITIONS

By registering to use the Site, you agree to comply with these Terms and Conditions. If you are using the Service on behalf of a business or entity, you acknowledge and agree that you have authority to bind such business or entity and that such business or entity accepts these Terms and Conditions. You may have to accept additional terms and conditions as notified to you when you register for or use specific Services. You are responsible for regularly reviewing these Terms and Conditions. You can always view the current Terms and Conditions online by logging in to your online EZRemit Account through the Site.

IF YOU DO NOT AGREE WITH ALL OF THESE TERMS AND CONDITIONS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY.

EZRemit may, in its sole discretion, amend, revise or update these Terms and Conditions and any additional terms and conditions that may apply, in its sole discretion, with notice we deem reasonable under the circumstances and post the amended Terms and Conditions in the relevant section of the EZRemit Site (each a "Revised Version"). We will notify you by posting a notice on our Site, emailing you to the email address listed on your EZRemit Account, or pushing notifications through the Services ("Change Notice"). Your continued use of the Site after the posting of a Revised Version constitutes your acceptance of such Revised Version. Any disputes that arise before the changes will be governed by the Terms and Conditions in place when the dispute arose.

ELECTRONIC COMMUNICATIONS

To the fullest extent permitted by law, these Terms and Conditions and any other agreements, notices or other communications from EZRemit to you regarding our Services being offered ("Communications") may be provided to you electronically, and you consent and agree to receive Communications in an electronic form. Electronic Communications may be posted on the pages within our Site, pushed through the Services, or delivered to your email address listed in your EZRemit Account. You can print a paper copy of or download any electronic Communication and retain it for your records. All Communications in electronic format will be considered to be "in writing," and to have been received no later than five (5) business days after posting or dissemination, whether or not you have received or retrieved the Communication. EZRemit reserves the right to provide Communications in paper format. Your consent to receive Communications electronically is valid until you revoke your consent by contacting EZRemit Customer Support. If you revoke your consent to receive Communications electronically, we may terminate your right to use our Site or Services, and you accept sole liability for any consequence resulting from the suspension or termination of the Services to the extent permitted by law. You will receive notifications via your EZRemit Account or by email that will inform you about new product features, promotions, etc. By accepting these Terms and Conditions, you agree to receive such notifications on a regular basis. If you do not wish to receive promotional notifications from us, please contact EZRemit Customer Support.

ELIGIBILITY FOR THE SERVICES

Age and Capacity. You must be at least eighteen (18) years old to create a EZRemit Account, access, or use the Services. You must be able to form legally binding contracts under applicable law. Other restrictions may apply.

Residence within the United States. The Services are available to residents of the United States. If you are a resident of another country, your use of our Site and Services may be governed by different terms.

Multiple Accounts. You may only have one active EZRemit Account. If we determine that you are using multiple accounts, we reserve the right to merge or terminate one or more of the accounts, limit your use of the Service, or refuse your continued use of the Service.

Location Based Services. You acknowledge and authorize that information concerning the location of your mobile device, tablet or computer may be used to assess location. Location may be obtained at any time while logged into the Site. You expressly agree that you authorize EZRemit to collect and use your location as a part of the Site and eligibility for use of the Site.

Information About You. Your request to open a EZRemit Account will only be approved if you provide us with certain information about you and we are able to verify your identity. We verify your identity on our own behalf and to facilitate certain of our partners, including our banking partners, in meeting their own obligations.

REGISTERING, OPENING, USING A EZREMIT ACCOUNT

To register, open, or use a EZRemit Account, we may require that you submit certain information about yourself and your business to us including, but not limited to, your legal name, email address, text-enabled mobile phone number, street address, zip code, date of birth, social security number, a government issued form of identification, legal business name, business address, taxpayer identification number, and any information you subsequently add or update ("Account Information"). You represent and warrant that all Account Information you provide to us to register, open, or use a EZRemit Account is true and accurate, and you agree to keep all Account Information current.

VERIFYING AND AUTHENTICATING YOUR IDENTITY

You hereby authorize us, directly or through our use of third parties, to make any inquiries we consider necessary to validate your identity or authenticate your identity and Account Information and, for business accounts, the identity of the business. This may include asking you for further information or documentation about your account usage or identity, requiring you to take steps to confirm ownership of your email address, mobile phone number or financial instruments, or verifying your information against third party databases or through other sources.

In connection with your use of the Service, you may not refuse to (a) cooperate in an investigation concerning activity that potentially violates the law or these Terms and Conditions, (b) provide confirmation of your identity, or (c) provide confirmation of any information you provide us. If you decline to provide us with the information that we request or if we cannot verify your identity to our satisfaction (in our sole judgment and discretion) for any reason, then your EZRemit Account may be revoked, suspended or terminated and you may not use the Services. In addition, we reserve the right to terminate the EZRemit Account of anyone who provides inaccurate, untrue, or incomplete information.

The first time you access your EZRemit Account using a new device we may require you to authenticate your EZRemit Account with additional information.

EZREMIT ACCOUNT SERVICES

In connection with a EZRemit Account, you may be eligible for the following Services:

• International remittances ("International Remittance Service"), which allows you to send or receive funds from individuals abroad.

INTERNATIONAL REMITTANCE SERVICE

The International Remittance Service allows you to send money to recipients in approved countries (which current list can be found on our Site) which can change from time to time. We recommend that you use the International Remittance Service only to send money to people you know personally. You should never use the International Remittance Service to send money to strangers.

A "Remittance" is defined as the transmission of funds to a designated Beneficiary, pursuant to payment terms entered directly by you into the Site. A "Sender" is someone who uses the Service to send money. A "Beneficiary" is someone who receives money from a Sender through the Service. The "Destination Country" is the country where the Recipient receives money through the Service. A "Transaction" is a specific instruction to send money through the Service. A "Paying Agent" is defined as an entity, appointed by us, to pay out Remittance transactions in the Destination Country identified in your payment instructions. "Transfer Fee" is defined as the fee charged by us in connection with the Remittance. The "Transaction Amount" is the calculated amount that the Sender would be obliged to pay to us if the Sender orders the Transaction (and is the amount that the Sender is then obliged to pay us). The "Payout Amount" is the amount paid out to the Recipient, excluding any taxes or charges that may be levied under the laws of the Destination Country (the "Local Taxes").

Payment for Transactions
In order for us to collect payment from you, you authorize us to access, charge, or debit funds from any of the payment methods you provide us in connection with your use of the International Remittance Service (each, a "Payment Method") including, for example, your credit card, debit card or bank account. If your payment fails or is insufficient, you authorize us to re-try one or more times using the same or a different Payment Method associated with your EZRemit Account. For example, if there are insufficient funds in your bank account at the time you submit your Transaction, we may try to debit your bank account or charge your credit card at a later time(s). You represent and warrant that you are the lawful owner of your Payment Method(s) and can make these authorizations.

Charges by Third Parties
We are not responsible for any fees or charges that may be imposed by the financial institutions that issued your Payment Method. For example (without limitation), some credit card issuers may treat the use of your credit card to use the International Remittance Service as a "cash advance" rather than a purchase transaction and may impose additional fees and interest rates for the Transaction. We are not responsible for any non-sufficient funds charges, chargeback fees, or any other charges that might be imposed on you by your bank, credit card issuer, or other provider that sent the funds.

Foreign Currencies
Your Transactions may be subject to currency conversions. If your Transaction involves a currency conversion it will be completed at a retail foreign exchange rate determined by EZRemit based on the wholesale market rate at which EZRemit is able to obtain the relevant currencies. These wholesale rates are provided by a range of financial institutions based on market conditions. Where specified on the relevant page for a EZRemit Service or via your EZRemit Account, any exchange rate applied may also include or be subject to a fixed fee or percentage (%) commission currency conversion fee above the wholesale market rate obtained by EZRemit as specified in the Pricing and Fees.

DISBURSEMENT

Paying Agents
We maintain relations with Paying Agents to deliver funds to Beneficiaries. As a Sender, you hereby appoint your Beneficiary as your agent for the purpose of receiving funds remitted by you through the International Remittance Service.

Beneficiary's Identification
Beneficiaries are required to present valid and acceptable identification documents to the Paying Agent prior to receiving funds. In addition, Beneficiaries are also required to provide a Transaction number and possibly related information and/or a similar verifier associated with that Transaction. You hereby grant us permission to store and rely on the data we may consider necessary in order to have the Beneficiary verify the Transaction and to provide complete, secure and efficient International Remittance Services, as per these Terms and Conditions.

At our sole discretion, we may refuse to process Transactions for certain Senders and Beneficiaries and to certain locations, including without limitation, those entities and individuals included on certain government "watch lists", including Specially Designated Nationals, non-cooperative or terror supporting countries and territories, and such other lists as may be issued from time to time by government agencies or watch list organizations.

CANCELLATIONS AND REFUNDS

Transactions may be canceled for a full refund of the Transaction Amount and Transfer Fee paid within 30 minutes of payment, unless the funds have been picked up or deposited. When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the Transaction Amount and Destination Country where the funds were sent. We will refund your money within 3 Business Days of your request to cancel a Transaction as long as the funds have not already been picked up or deposited into the Beneficiary's designated bank account. You may still cancel the Transaction if the funds have not been deposited or disbursed at the time that we receive your cancellation request. For the avoidance of doubt, you may not cancel a Transaction under any circumstances if the funds have been disbursed or deposited with the Beneficiary. We will have no liability for return of funds or any claims under any circumstances if the account number is not correct for Remittances sent to bank accounts. You may also receive a full refund in certain circumstances if you successfully assert an error or as otherwise provided under applicable law. Your refund or credit will be in USD. All refunds or credits shall be available promptly.

FEES

All pricing and fees are set forth in the Pricing and Fees page under your EZRemit Account section on the EZRemit Site (the "Pricing and Fees"). The Pricing and Fees are incorporated herein by reference and form part of these Terms and Conditions. Pricing and Fees are subject to change in EZRemit sole discretion. We will publish any updated Pricing and Fees online and post a message to your EZRemit Account or notify you via email as necessary. You agree to pay all Pricing and Fees and your continued use of the Services indicates your continued acceptance of the Pricing and Fees.

PROHIBITED TRANSACTIONS

You must not use the Services or Site for any illegal, fraudulent or other prohibited activity, including transactions that may expose EZRemit, or any of its third-party providers to action from any government or regulatory body. Prohibited activities include, but are not limited to, fraud, money laundering, or financial support of terrorists or terror-supporting organizations.

If EZRemit suspects that you may be engaging in or have engaged in a fraudulent, illegal or prohibited activity, including any violation of these Terms and Conditions or a violation of card association or network rules, we may: (i) limit, terminate or suspend your access to Services and the Site; (ii) refuse to provide EZRemit Account services to you in the future; (iii) hold money in your EZRemit Account for up to 180 days if reasonably needed to protect against the risk of liability; (iv) stop or reverse transactions; and (v) take legal action against you and/or contact law enforcement as conditions may require.

You must not use the Services if you are residing, working or conducting business in any country restricted by the U.S. Office of Foreign Assets Control ("OFAC") or any other territory specified by EZRemit from time to time in its sole discretion. You must not use the Services to attempt to make a Transaction to a Beneficiary or country that is restricted by OFAC.

It is strictly forbidden to make or receive payments as consideration for or in connection with any transaction listed under this section. You are prohibited from using the Services in any attempt to abuse, exploit or circumvent any law or regulation or these Terms and Conditions.

You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by us, any customer, or a third party caused by or arising out of your breach of these Terms and Conditions.

MONITORING; SUSPENSION; TERMINATION

We may close, suspend, or limit your access to your use of the Services and/or limit access to your funds if you violate these Terms and Conditions or, any other agreement you enter into with EZRemit or pursuant to any proprietary fraud and risk modeling used by EZRemit when assessing the risk associated with your use of the Services. We will decide, in our sole discretion, which action is required of us. We may close, suspend, or limit your access to your use of the EZRemit Services if requested to do so by our Bank Sponsor, in its sole discretion.

COURT ORDERS, REGULATORY REQUIREMENTS OR OTHER LEGAL PROCESS

We may also limit your access to funds per the instructions of law enforcement or our regulators. We will decide, in our sole discretion, which action is required of us. We do not have an obligation to contest or appeal any court order or legal process involving you or your EZRemit Account. If we suspend or deactivate your EZRemit Account for any reason, we may, in our sole discretion, cancel your pending transactions. We have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone effecting a transaction on or through our Site.

We will report any suspicious activity and other information relating to you and/or the use of the Services, to the appropriate legal or regulatory authorities, governing bodies or entities when necessary or appropriate pursuant to the laws and regulations governing our Services.

CLOSING YOUR EZREMIT ACCOUNT

You may close your EZRemit Account and terminate your relationship with us at any time without cost, but you will remain liable for all obligations related to your EZRemit Account even after the EZRemit Account is closed. Any incomplete transactions or transfers must be completed or canceled.

We reserve the right to carry out any necessary checks relating to money laundering, terrorism financing, fraud or other illegal activity before authorizing any withdrawal of your funds, including in relation to returning any funds to you after you have closed your EZRemit Account.

In certain cases, you may not close your EZRemit Account, including: (i) to evade an investigation; (ii) if there is a pending transaction or an open dispute or claim; or (iii) if amounts are owed to us.

If you do not log in to your EZRemit Account for two (2) or more years, we may close your EZRemit Account and send any of your funds held in our or the Bank Sponsor's possession to your primary address (if we have verified the required identifying information that you have provided to us) or, if required, escheat (send) any of your funds held in our possession to your state of residency. We will determine your state of residency based on the information provided for your EZRemit Account. Where required, we will send you a notice prior to escheating any of your funds. If you fail to respond to this notice, your funds held in our possession will be escheated to the applicable state. If you would like to claim any escheated funds from the applicable state, please contact the applicable state's unclaimed property administrator.

KEEPING YOUR EZREMIT ACCOUNT SAFE

To keep your EZRemit Account safe, signing-in to your EZRemit Account will be protected by password. You agree to take all reasonable steps to always keep your EZRemit Account password and any other security-related details safe and never disclose them to anyone. EZRemit representatives will never ask you to provide your password to us or to a third party. You agree to assume the entire responsibility at all times for the supervision, management, control and confidentiality of your User ID and password. You agree that, to the extent permitted by law, you assume the entire risk for all use, including any fraudulent or unintentional use, of your User ID and password and that neither EZRemit nor any of its service providers shall have any responsibility or liability to you or any other person for any losses or damages which you or anyone else may suffer if you disclose your User ID and password to any other person or if your EZRemit Account is otherwise compromised. It is advisable to change your password regularly (by following the instructions under your EZRemit Account) in order to reduce the risk of a security breach. We also advise you not to choose a password that is easily determined from information someone may know or gather about you.

In addition, EZRemit may require you to verify your identity when signing in to your EZRemit Account and from time to time when using certain of the Services, by sending a verification code to your mobile phone via SMS ("Two Step Verification"). You authorize EZRemit to use the mobile number registered with your EZRemit Account for the purpose of the Two Step Verification.

If you have any indication or suspicion that your EZRemit Account, login details, password or other security features have been lost, stolen, misappropriated, used without authorization or otherwise compromised, you agree to immediately change your password and notify us.

We may suspend your EZRemit Account or otherwise restrict its functionality (including access to funds), in our sole discretion, on grounds relating to the security of the EZRemit Account or any of its security features or if we suspect that an unauthorized or fraudulent use of your EZRemit Account has occurred or that any of its security features have been compromised. We will lift the suspension and/or the restriction as soon as practicable after the circumstances for the suspension and/or restriction have ceased to exist. Additional EZRemit products or services you use may have additional security requirements as specified in their applicable terms and conditions.

ERROR OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS

What to do if you think there has been an error or problem with your Remittance:

• Call us at: 678-938-7472 (within the US)
• Write us at: support@myezremit.com

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

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

We will determine whether an error occurred within 90 days after you contact us, and we will correct any error promptly. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation. You can also contact us for a written explanation of your rights.

COMPLAINTS

Any complaints about us or the Services should be addressed to us in the first instance by contacting EZRemit Customer Support as detailed above. You should clearly indicate that you wish to make a complaint to us. This helps us to distinguish a complaint from a typical query. We may send an acknowledgement of complaint or request additional information from you regarding your complaint.

Our goal is to provide you with a prompt answer or resolution to your complaint where possible. Nothing contained herein, however, constitutes a commitment by EZRemit to resolve your complaint. We will acknowledge each complaint within no less than five (5) Business Days of the complaint being received. You will be provided with the name of one (1) or more individuals appointed by us to be your point of contact in relation to the complaint until the complaint has been resolved or cannot be progressed any further. We will reply to a complaint from you addressing the points raised by you in your complaint within 15 Business Days of receipt of the complaint and in exceptional circumstances, within 35 days of receipt of the complaint. The aforementioned procedures do not apply where the complaint has been resolved to your satisfaction within five (5) business days of receipt of the complaint.

If you are not satisfied with the response provided by EZRemit Customer Support, you may forward your complaint to our help desk who should be able to help resolve any complaints that are not fully resolved.

After first contacting EZRemit, if you still have an unresolved complaint or question regarding EZRemit Services, please refer to your receipt to obtain the name and contact information of your applicable state regulatory authority phone number and email or contact the Consumer Financial Protection Bureau: 855-411-2372 / 855-729-2372 (TTY/TDD) www.consumerfinance.gov.

GOVERNMENT DISCLOSURES

We may provide information about you and your Transactions to government authorities and enforcement agencies and in other legal proceedings as required under applicable federal and state laws and regulations as well as to our professionals and auditors (all subject to confidentiality agreements), as described in our Privacy Policy.

OUR LIABILITY; LIMITATIONS; AND INDEMNIFICATION

If, after receiving a fully paid, timely, complete and accurate Transaction in accordance with these Terms and Conditions, EZRemit does not complete a Remittance on time or in a correct amount, EZRemit will be liable only for your proximately caused actual damages, to the extent required by applicable law.

Nothing in these Terms and Conditions shall operate to exclude liability for gross negligence, fraud or fraudulent misrepresentation or for any statutory liability that cannot be excluded or amended by agreement between the parties.

Our obligation under these Terms and Conditions is limited to providing you with the Services and does not create responsibility for, nor make any statement in relation to or endorsement of the quality, safety or legality of any goods or services provided by a EZRemit user.

You are solely responsible for reporting to all applicable government tax authorities any required taxable amounts which relate to your use of the Services and for the payment of any applicable taxes, as well as any other applicable reporting requirements, including but not limited to, any customs or foreign currency controls. You represent and warrant that you are in compliance with the any applicable foreign tax legislation, including the U.S. Foreign Account Tax Compliance Act ("FATCA") and will remain compliant during the term of these Terms and Conditions.

You agree to defend, reimburse or compensate us and hold us, our affiliates, shareholders, directors, officers, employees, Service Providers and any Agents or other third parties harmless from any claim, demand, expenses or costs (including legal fees, fines or penalties) that we incur or suffer due to or arising out of your breach of these Terms and Conditions, breach of any applicable law or regulation and/or use of the Services. This provision shall survive termination of the relationship between you and us.

IN NO EVENT SHALL EZREMIT, ITS AGENTS, REPRESENTATIVES, SHAREHOLDERS, DIRECTORS, OFFICERS, EMPLOYEES AND AFFILIATES BE LIABLE TO YOU OR ANY OTHER PARTY FOR ANY LOSS OR INJURY OR ANY DAMAGES, EITHER DIRECT, INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR OTHERWISE (INCLUDING, BUT NOT LIMITED TO LOST PROFITS, REPUTATION OR LOST SAVINGS) RESULTING FROM OR IN ANY WAY CONNECTED TO YOUR USE OF THE EZREMIT SERVICES, EVEN IF IT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION OF LIABILITY SHALL APPLY REGARDLESS OF WHETHER THE CLAIM ASSERTED IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE. TO THE EXTENT PERMITTED BY LAW AND EXCEPT WHERE EXPRESSLY AGREED OTHERWISE UNDER THIS AGREEMENT IN NO EVENT SHALL EZREMIT'S LIABILITY TO YOU AT ANY TIME EXCEED THE AMOUNT OF THE TOTAL FEES PAID BY YOU TO EZREMIT. IN NO EVENT SHALL EZREMIT, ITS AFFILIATES, AGENTS, REPRESENTATIVES, SHAREHOLDERS, DIRECTORS, OFFICERS, OR EMPLOYEES BE LIABLE FOR ANY ACT OR OMISSION RESULTING FROM: (A) ABNORMAL AND UNFORESEEABLE CIRCUMSTANCES BEYOND THEIR CONTROL, THE CONSEQUENCES OF WHICH WOULD HAVE BEEN UNAVOIDABLE DESPITE ALL EFFORTS TO THE CONTRARY; (B) FAILURE TO COMPLETE A TRANSACTION WHERE WE ARE BOUND BY A LEGAL OBLIGATION PROHIBITING SUCH TRANSACTION, INCLUDING IF YOUR FUNDS ARE SUBJECT TO A HOLD, LEGAL PROCESS OR OTHER CLAIM RESTRICTING TRANSFERS; (C) FOR ANY CLAIMS, LOSSES, OR DAMAGES RESULTING FROM YOUR FAILURE TO COMPLY WITH THESE TERMS AND CONDITIONS, COMMUNICATION SYSTEM FAILURES, OR FAILURES OR MALFUNCTIONS ATTRIBUTABLE TO YOUR EQUIPMENT, ANY INTERNET SERVICE, OR ANY PAYMENT SYSTEM; (D) YOUR FAILURE TO PROVIDE US WITH CORRECT, COMPLETE OR TIMELY INFORMATION; OR (E) YOUR RECIPIENT'S REFUSAL OR FAILURE TO ACCEPT OR COLLECT A TRANSFER. YOU HEREBY WAIVE ANY AND ALL RIGHTS TO BRING ANY CLAIM OR ACTION RELATED TO YOUR USE OF THE EZREMIT SERVICES BEYOND ONE (1) YEAR FROM THE FIRST OCCURRENCE OF THE ACT, EVENT, CONDITION OR OMISSION ON WHICH SUCH CLAIM OR ACTION IS BASED.

YOU ACKNOWLEDGE AND AGREE THAT EZREMIT WILL PROVIDE THE EZREMIT SERVICES USING AGENTS, INCLUDING FINANCIAL INSTITUTIONS. NO COMMERCIAL AGREEMENT EXISTS BETWEEN YOU AND THE AGENTS, UNLESS EXPRESSLY PROVIDED HEREIN, AND EACH OF THE AGENTS WILL ACCORDINGLY HAVE NO DIRECT LIABILITY TO YOU.

DISCLAIMER OF WARRANTIES

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 from state to state. In any event, you may have the right to a refund as expressly described herein. Consistent with federal law, if the Payout Amount is not available to the Beneficiary by the availability date shown on your transaction receipt, you can use the error resolution process described herein to notify us of the issue and you may be entitled to remedies under federal law including a refund of our Service Fee.

YOUR USE OF THE EZREMIT SERVICES IS AT YOUR OWN RISK. THE EZREMIT SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND. EZREMIT HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

EZRemit is not your agent or trustee for the purpose of carrying out the sale of products or services that are paid for with Services and does not have control of, or liability for, the products or services. We do not warrant or guarantee that buyers or sellers who accept payments using the Services will complete a transaction and we make no representation or warranty as to any products and services provided or delivery thereof.

DISPUTE RESOLUTION AND GOVERNING LAW

Governing Law
These Terms and Conditions shall be governed according to the laws of the state of New York, and all activities performed in connection with the Services shall be deemed to have been performed in New York. Any controversy, dispute, or claim arising out of or relating to the Services, or these Terms and Conditions (a "Claim") shall be governed by and construed in accordance with the laws of the state of New York, except that body of law governing conflicts of law.

Disputes with EZRemit
If a dispute arises between you and EZRemit, our goal is to learn about and address your concerns. If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and EZRemit regarding the Services may be reported to EZRemit Customer Support (See "Contact Information," below) and/or the government agencies listed on your receipt. We will endeavor in good faith to resolve any Claim you raise as expeditiously as possible.

Arbitration
If not resolved within 60 days from the date a Claim is raised to us by you, any Claim, including questions involving the scope, interpretation or enforceability of this section, will be settled by binding individual arbitration administered by the American Arbitration Association pursuant to its then-current Consumer Arbitration Rules if you are a consumer and Commercial Arbitration Rules if you are a merchant (both available at www.adr.org/Rules), as amended by this Agreement. The arbitrator will conduct hearings, if any, by teleconference or videoconference, rather than by personal appearances, unless the arbitrator determines upon request by you or by us that an in-person hearing is appropriate. Any in-person appearances will be held at a location which is reasonably convenient to both parties with due consideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, such determination should be made by the AAA or by the arbitrator. Each party will bear its own attorneys', experts' and witness fees. You agree that any arbitration will take place on an individual basis; collective or group arbitrations are not permitted, and you are agreeing to give up the ability to participate in a class or group or other representative action ("Class Action Waiver"). Third parties' claims will not be joined in any arbitration between the parties. The Federal Arbitration Act governs the interpretation and enforcement of this section. Except to the extent needed to enforce this section or any arbitral award issued hereunder, the parties waive all rights to a court or jury trial to resolve any claims.

If any portion of this section is deemed invalid or unenforceable, such a finding shall not invalidate any remaining portion of this section, these Terms and Conditions, or any other agreement entered into by you with us. However, notwithstanding any language in this section or Terms and Conditions to the contrary, the Class Action Waiver is not severable from the remainder of this section and, in the event that the Class Action Waiver is held to be invalid and unenforceable, and subject to any right of appeal that may exist with respect to such determination, any class action or representative proceeding shall be determined in a court of law and will not be subject to this section.

Any dispute not subject to arbitration pursuant to this Section shall be resolved exclusively in small-claims court in the jurisdiction in which you are located or in federal or state court, as applicable, located in New York, New York, and you and we expressly submit to the exclusive jurisdiction and venue of those courts.

• You may opt out of the requirement to arbitrate by emailing a notice of opt-out within thirty (30) days of first registering your EZRemit Account. Such email should state in its subject line "Opt-out from Arbitration" and must be sent to [email address]. Note that an opt-out from arbitration does not opt you out from or otherwise supersede this Class Action Waiver, which remains in effect notwithstanding such opt-out.

SEVERABILITY

If any provision of these Terms and Conditions is held to be invalid or unenforceable, such provision will be deemed to be modified to the minimum extent necessary to make it valid and enforceable and the rest of these Terms and Conditions will not be affected.

NO WAIVER

Our failure to act with respect to a breach of any of your obligations under these Terms and Conditions by you or others does not waive our right to act with respect to subsequent or similar breaches.

ASSIGNMENT

You may not transfer or assign any rights or obligations you have under these Terms and Conditions without our prior written consent. We may transfer or assign these Terms and Conditions or any right or obligation under these Terms and Conditions at any time.

BUSINESS DAYS

"Business Day(s)" means Monday through Friday, excluding holidays when EZRemit's offices are not considered open for business in the U.S. Holidays include: New Year's Day (January 1), Martin Luther King, Jr.'s Birthday (the third Monday in January), Memorial Day (the last Monday in May), Independence Day (July 4), Labor Day (the first Monday in September), Columbus Day (the second Monday in October), Veterans Day (November 11), Thanksgiving Day (the fourth Thursday in November) and Christmas Day (December 25). If a holiday falls on a Saturday, we observe the holiday on the prior Friday. If the holiday falls on a Sunday, we observe the holiday on the following Monday.

CONTACT INFORMATION

If you have any questions, please e-mail us at support@myezremit.com or contact our customer service at 678-938-7472 (within the US).

For customer complaints or other kinds of inquiries, you may also contact any of the federal or state government agencies (at the email address or phone number) listed on your receipt.

STATE DISCLOSURES

www.myezremit.com/disclosures

INTELLECTUAL PROPERTY RIGHTS

Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the "Content") and the trademarks, service marks, and logos contained therein (the "Marks") are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of the United States, international copyright laws, and international conventions. The Content and the Marks are provided on the Site "AS IS" for your information and personal use only. Except as expressly provided in these Terms and Conditions, no part of the Site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

Provided that you are eligible to use the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Site, the Content and the Marks.

MONEY TRANSMITTER LICENSES

EZRemit LLC is a licensed money transmitter and provides the International Remittance Services in States where licenses are held pursuant to its licenses.

EZREMIT IS ONLY A PAYMENT SERVICE PROVIDER

EZRemit is only a payment service provider. We do not:

• Act as an escrow agent with respect to any money sent to you using our Services that has not been transferred;
• Act as your agent or trustee;
• Enter into a partnership, joint venture, agency or employment relationship with you;
• Guarantee the identity of any customer;
• Determine if you are liable for any taxes; or
• Collect or pay any taxes that may arise from use of our services.

PRIVACY

We will ensure that all your personal information is held in accordance with applicable data privacy law and our published Privacy Policy. Please make yourself familiar with the Privacy Policy by visiting it on our Site. EZRemit in its sole discretion may amend the Privacy Policy by an update on the Privacy Policy page of the EZRemit Site. You may review the Privacy Policy at any time by clicking on the Privacy Policy section on the EZRemit Site. By agreeing to these Terms and Conditions, you acknowledge and consent to our Privacy Policy, as amended from time to time.