User Agreement

1. Definitions

For purposes of this Agreement:

Account means the registered account created by a User to access EZRemit services.

Beneficiary means the recipient designated by the User to receive funds.

Business Day means Monday through Friday, excluding U.S. federal holidays.

Services means all money transfer, remittance, payment processing, digital wallet, web platform, mobile application, API integrations, and related financial technology services offered by EZRemit through its website and mobile applications.

Platform means the EZRemit website, mobile application, dashboards, APIs, and related systems used to access the Services.

Transaction. means any request submitted through EZRemit to transfer money or perform a payment-related activity.

2. Eligibility

To use the Services, you represent and warrant that:

1. You are at least 18 years old.
2. You have the legal capacity to enter into binding contracts.
3. You are not prohibited from using the Services under applicable laws or sanctions regulations.
4. All information you provide is accurate, complete, and current.

EZRemit reserves the right to refuse service, suspend access, or terminate accounts at its sole discretion where legally permitted.

3. Website and Mobile App Services

EZRemit provides digital remittance services accessible through its website and mobile applications for sending money exclusively to Ethiopia, including:

• Bank account deposits in Ethiopia;
• Cash pickup services in Ethiopia;
• Mobile wallet deposits in Ethiopia.

Service availability may vary based on payout partner availability, banking infrastructure, compliance requirements, and regional restrictions within Ethiopia.

Service availability may vary by jurisdiction, payment method, compliance requirements, and partner availability.

4. Website and Mobile App Accounts

4.1 Account Creation

You must create an account to use certain Services. During registration, you may be required to provide:

• Full legal name;
• Date of birth;
• Address;
• Phone number;
• Email address;
• Government-issued identification;
• Additional compliance documentation.

4.2 Verification and Age Requirement

EZRemit services are available only to verified users who are at least eighteen (18) years of age.

EZRemit may verify your identity using third-party verification providers, public records, biometric checks, government databases, sanctions screening systems, and other compliance technologies.

You agree to provide any documentation or information reasonably requested by EZRemit to complete verification and maintain access to the Platform.

4.3 Mobile Device and Account Security

You are responsible for maintaining the security of your mobile device, browser session, passwords, PINs, authentication tokens, and biometric credentials associated with your EZRemit account.

You agree to:

• Use only authorized devices to access the Platform;
• Keep your operating system and app updated;
• Log out after each session where appropriate;
• Immediately notify EZRemit if your device is lost, stolen, or compromised.

You are responsible for:

• Maintaining confidentiality of login credentials;
• Restricting unauthorized access to your account;
• Promptly notifying EZRemit of any unauthorized activity.

EZRemit is not responsible for losses caused by your failure to secure your account credentials.

5. Transactions

5.1 Transaction Authorization

By initiating a Transaction, you authorize EZRemit to:

• Debit your selected payment method;
• Process currency exchange where applicable;
• Deliver funds to the designated Beneficiary.

5.2 Transaction Limits

EZRemit may impose limits on:

• Transfer amounts;
• Transaction frequency;
• Supported destinations;
• Payment methods.

Limits may vary based on verification level, regulatory requirements, and risk assessments.

5.3 Transaction Review

EZRemit may, in its sole discretion and without liability, delay, reject, reverse, freeze, suspend, or cancel any Transaction for reasons including:

• Fraud prevention;
• Regulatory compliance;
• Incomplete or inaccurate information;
• Sanctions screening;
• Risk management reviews;
• Suspicious activity investigations;
• Internal security protocols;
• Requests from financial institutions or government authorities.

EZRemit shall not be liable for losses arising from compliance-related holds, investigations, delayed payouts, or transaction cancellations.

5.4 Exchange Rates

Exchange rates are determined by EZRemit or its partners and may include a margin above wholesale market rates.

The applicable exchange rate will be disclosed before you confirm a Transaction.

5.5 Fees

Applicable fees will be disclosed before you authorize a Transaction.

Fees may include:

• Transfer fees;
• Currency conversion fees;
• Payment processing fees;
• Third-party banking fees.

6. Payment Methods and Digital Wallet Access

EZRemit may accept various payment methods, including:

• Debit cards;
• Credit cards;
• ACH transfers;
• Bank transfers;
• Mobile wallets;
• Other approved payment methods.

You authorize EZRemit to charge your selected payment method for all authorized Transactions and applicable fees.

7. Compliance and Regulatory Requirements

EZRemit complies with applicable anti-money laundering (“AML”), counter-terrorism financing (“CTF”), sanctions, and know-your-customer (“KYC”) regulations.

You agree to:

• Provide requested compliance documentation;
• Cooperate with investigations;
• Ensure Transactions comply with applicable laws.

EZRemit may report Transactions to regulators or law enforcement authorities where required by law.

8. Prohibited Activities

You agree not to use the Services for:

• Fraudulent or illegal activities;
• Money laundering or terrorism financing;
• Transactions involving sanctioned parties;
• Gambling where prohibited;
• Circumventing transaction limits;
• Unauthorized account access;
• Harmful or abusive conduct.

EZRemit may suspend or terminate accounts involved in prohibited activities.

9. Errors, Cancellations, and Refunds

9.1 Errors

You must promptly notify EZRemit of any Transaction errors or unauthorized activity.

9.2 Cancellation Rights

Where required by law, you may cancel eligible Transactions within the applicable cancellation period.

9.3 Refunds

Refund eligibility depends on:

• Transaction status;
• Payment settlement;
• Regulatory requirements;
• Recipient payout status.

Fees may be non-refundable where permitted by law.

10. Privacy, Data Protection, and Mobile App Permissions

Your use of the Services is subject to EZRemit’s Privacy Policy.

EZRemit may collect, use, process, and share personal information for:

• Identity verification;
• Transaction processing;
• Fraud prevention;
• Compliance obligations;
• Customer support;
• Service improvements.

By using the Services, website, or mobile application, you consent to such data practices as described in the Privacy Policy.

The mobile application may request permissions for:

• Camera access for identity verification;
• Biometric authentication;
• Location services for fraud prevention and compliance;
• Push notifications for transaction alerts and security updates.

You may disable certain permissions through your device settings, though some functionality may become unavailable.

11. Electronic Communications and Push Notifications

You consent to receive electronic communications from EZRemit, including:

• Transaction confirmations;
• Security alerts;
• Service updates;
• Legal notices;
• Regulatory disclosures.

Communications may be delivered via email, SMS, in-app messaging, push notification, WhatsApp where supported, or through the Platform.

Standard carrier messaging and data charges may apply.

12. Platform Ownership and Intellectual Property

All content, software, trademarks, logos, and intellectual property associated with EZRemit are owned by EZRemit or its licensors.

You may not:

• Copy or modify platform content;
• Reverse engineer software;
• Use EZRemit branding without authorization.

13. Third-Party Services

EZRemit LLC may rely on third-party banks, payment processors, payout providers, and technology partners.

EZRemit is not responsible for interruptions or failures caused by third-party providers beyond its reasonable control.

14. Website and App Availability Disclaimer

EZRemit reserves the right, at any time and without prior notice, to modify, suspend, restrict, or discontinue any portion of the Platform or Services for maintenance, compliance, security, operational, or business purposes.

EZRemit does not guarantee uninterrupted availability of the Platform and shall not be responsible for delays, interruptions, system failures, network outages, payout partner downtime, banking disruptions, mobile carrier failures, internet connectivity issues, or technical errors beyond its reasonable control.

Users acknowledge that remittance services are dependent upon third-party financial institutions, payout providers, telecommunications systems, and regulatory approvals.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

EZREMIT DISCLAIMS ALL WARRANTIES, INCLUDING:

• MERCHANTABILITY;
• FITNESS FOR A PARTICULAR PURPOSE;
• NON-INFRINGEMENT;
• UNINTERRUPTED OR ERROR-FREE SERVICE.

15. Limitation of Liability

Users assume full responsibility for verifying recipient information, transaction details, destination eligibility, and compliance with applicable laws before submitting Transactions.

Once funds are successfully delivered to the designated recipient, payout institution, mobile wallet, or bank account provided by the User, EZRemit’s obligations regarding the Transaction shall be considered fulfilled.

Users are solely responsible for errors caused by incorrect beneficiary details, including invalid account numbers, wallet numbers, recipient names, or payout instructions.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EZREMIT SHALL NOT BE LIABLE FOR:

• INDIRECT DAMAGES;
• CONSEQUENTIAL DAMAGES;
• LOST PROFITS;
• DATA LOSS;
• DELAYED TRANSACTIONS CAUSED BY THIRD PARTIES;
• EVENTS OUTSIDE EZREMIT’S REASONABLE CONTROL.

EZREMIT’S TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT OF THE APPLICABLE TRANSACTION OR THE FEES PAID FOR THE RELEVANT SERVICE.

16. Indemnification

You agree to indemnify and hold harmless EZRemit and its affiliates, officers, employees, and partners from claims arising from:

• Your misuse of the Services;
• Violations of this Agreement;
• Violations of applicable law;
• Disputes with third parties.

17. Account Suspension, App Access Restriction, and Termination

EZRemit reserves the absolute right to suspend, restrict, freeze, monitor, investigate, or permanently terminate any account or Transaction activity at its sole discretion where permitted by law.

EZRemit may take such action without prior notice where necessary to:

• Protect the Platform or business operations;
• Comply with legal or regulatory obligations;
• Prevent suspected fraud or abuse;
• Enforce internal policies;
• Manage operational or reputational risk.

Users shall remain responsible for any obligations or liabilities incurred prior to termination.

EZRemit may suspend or terminate your account for reasons including:

• Suspected fraud;
• Compliance concerns;
• Violation of this Agreement;
• Legal or regulatory requirements.

You may stop using the Services at any time.

18. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to conflict-of-law principles.

19. Dispute Resolution

19.1 Informal Resolution

Before initiating formal proceedings, the parties agree to attempt to resolve disputes informally.

19.2 Arbitration

Any dispute arising under this Agreement may be resolved through binding arbitration in accordance with applicable arbitration rules, except where prohibited by law.

19.3 Class Action Waiver

To the maximum extent permitted by law, disputes must be brought on an individual basis and not as part of a class action.

20. Changes to Website and App Terms

EZRemit may modify this Agreement from time to time.

Updated versions will be posted on the EZRemit website and/or mobile application with a revised effective date.

Continued use of the Services after changes become effective constitutes acceptance of the revised Agreement.

21. Contact Information

EZRemit LLC

2505 Pleasantdale Rd

Atlanta, GA 30340

support@myezremit.com

www.myezremit.com

22. Electronic Consent

By clicking “I Agree,” creating an account, or using the Services, you acknowledge that:

1. You have read and understood this Agreement;
2. You consent to conduct business electronically;
3. You agree to be legally bound by this Agreement.