TERMS AND CONDITIONS

The Terms and Conditions may vary for each sending continent. It is essential to carefully review and understand these terms and conditions as they outline your legal rights and obligations when using our services.

United Kingdom
Europe
Canada
Australia
United States
New Zealand

safe online internationl money transfer on zero transaction fee from canada

INTRODUCTION

1.CONTRACT FORMATION AND OVERVIEW

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 200-55 VILLAGE CENTRE PLACE C/O INCORPPRO MISSISSAUGA, ON, CANADA L4Z1V9;

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

2. DEFINITIONS

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:

(a) Money Transfer;

"Service Fee" means Remit Choice’s fee plus any additional charges or Local Taxes applicable to each Transaction, which Remit Choice may charge, in its sole discretion in accordance with applicable laws, as may be described in these Terms and Conditions, and on the Remit Choice website from time to time.

"Service Provider" means a local bank, money exchange house, or other third-party service providers (e.g. mobile network operators) in the Destination Country with whom Remit Choice works to provide the Service.

"Transaction" means the transfer of money, through the Service, as the case may be.

"Transaction Amount" means the amount of money, E-money that the Sender wishes to send to the Payee as a Transaction, excluding any applicable Service Fee and prior to any foreign exchange conversion.

"Transaction History" means the record of your Transactions on our website which you may access using your account credentials (email and password).

"Transaction" means a specific instruction from you requesting us to send money to a Payee through the Service.

3. OUR OBLIGATIONS

3.1 Subject to these Terms and Conditions, we agree to provide the Service to you using reasonable care. You acknowledge that 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 and consenting to the execution of the Transaction. We may, in our sole discretion, choose whether or not to accept the offer to process that Transaction. If we decide not to process the Transaction, we will notify you promptly of that decision and repay to you the Transaction Amount received by us, provided that we are not prohibited by law from doing so. If we choose to proceed with the Transaction we may still suspend or cancel it in our discretion.

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.

3.4 We may, in our absolute discretion, refuse any Transaction (as further detailed in clause 5) or impose limits on the Transaction Amount. We may do so either on a per Transaction basis or on an aggregate basis, and either in respect of one set of registration details or one Payment Instrument or on related sets of registration details or Payment Instruments. In our sole and absolute discretion, we reserve the right to change the Payment Instruments that we accept, at any time.

3.5 Delivery times quoted on our service levels or elsewhere on our website represent the “normal” / average service. They are not a guarantee of an individual Service or Transaction time.

3.6 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 due to variations in business hours and currency availability; or otherwise to comply with applicable law.

3.7 We may send and receive notifications in relation to Transactions by email, app notification, and SMS. We will provide you with information after receipt of a Transaction enabling you to identify the Transaction, along with details of the amount of the Transaction in the currency, Transaction ID, our Service Fee, exchange rate and the date on which the Transaction was received.

3.8 We will attempt to provide users 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 resulting from incorrect or incomplete information.

4. YOUR OBLIGATIONS

4.1 You agree that:

4.1.1 you will not access, use or attempt to use the Service to provide any Instructions unless you are at least 18 years old, and that you have the legal capacity to form a binding legal contract in any relevant jurisdiction;

4.1.2 for each Transaction that you submit, you will pay us the stated Service Fee in addition to the Transaction Amount. Payment becomes due at the time that you submit your Transaction request. To the maximum extent permitted by law, the Service Fee is non-refundable unless expressly stated in these Terms and Conditions. If you submit a Transaction Request 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;

4.1.3 we may apply a convenience fee for processing credit cards in certain jurisdictions at our discretion. If we charge such a convenience fee, it will be disclosed to you prior to your submission of the applicable Transaction.

4.1.4 you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Service or any Instruction being conducted through the Service;

4.1.5 in connection with your registration and use of the Service, you will:

(a) provide us with true, accurate, current and complete evidence of your identity, and promptly update your personal information if and when it changes;

(b) provide us with any identity documentations as may be requested by us;

(d) provide us with true, accurate, current, and complete information as we indicate on the website is required to receive the service and any other information which may be required in relation to the Recipient;

(e) provide us with:

(i) any other information that must be provided for a Transaction to be properly executed, as specified when you enter the details of the Transaction you are interested in on our website; and

(ii) such information relating to the Transaction as detailed in clause 5.4.

4.2 We do not accept any liability for loss or damages to you or any third party resulting from non-payment or delay in payment of a Payout Amount to a Payee or failure to perform any Instruction under the Service if you are in breach of your obligations listed in clause 4.1.

4.3 When you are using the Service under these Terms and Conditions, it is your responsibility to make sure all the details are accurate before submission. Once a Transaction Request has been received, it is not normally possible to change any details. You will be allowed to confirm Transaction before submission, and you must check the details carefully.

4.4 The total amount (the Transaction Amount, Service Fee, and other applicable charges) that you will be required to pay and the applicable exchange rate will be displayed clearly before you are asked to confirm your Transaction and proceed with the Transaction at this point is entirely optional.

4.5 When you pay a Transaction Amount in one currency and the Payout Amount is 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. We guarantee you the Payout Amount in local currency. The margin taken on foreign currency exchange covers our risk in guaranteeing this. If a Payee’s account is denominated in a currency other than the currency you instructed us to make payment in there may be delays, additional charges or different exchange rates. The Sender is, therefore, responsible for ensuring that the currency requested for the Transaction matches the currency of the account where the funds are to be delivered.

4.6 Remit Choice will have no responsibility for any fees or charges you may incur by using a particular Payment Instrument to fund a Transaction. These may include but are not limited to unauthorized overdraft fees imposed by banks if there are insufficient funds in your bank account or "cash advance" fees and additional interest which credit card providers may impose if they treat use of the Service as a cash transaction rather than a purchase transaction. You must consult your financial institution for information regarding any such fees or charges.

4.7 You will only use the Service to send a Transaction Amount to people that you know personally and not to pay for goods or services from third parties you do not know and trust. You acknowledge that Remit Choice may refuse to process your Transaction where we believe you are using the Service to purchase goods or services from third parties you do not know and trust or where we believe that the Service is being used, by you or the Recipient, in furtherance of fraudulent, illegal or Prohibited activities, or in violation of these Terms and Conditions. If you choose to pay third parties for goods and services using the Service; in that case, 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.

4.8 Both you and the Recipient will only act on your own behalf. You may not submit an Instruction or receive a Transaction on behalf of a third person. If you intend to submit an Instruction or receive a Transaction on behalf of a third person; In that case, you must first inform Remit Choice of your desire to do so and provide us with any additional information about the third person we may request in order that we may decide whether to permit the Instruction or 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 Transaction Amounts: (i) to a Payee who has violated the Terms and Conditions, or (ii) in connection with illegal activity including but not limited to money-laundering, fraud and the funding of terrorist organizations. If Remit Choice reasonably believes you are using the Service in connection with an illegal activity or for any fraudulent purpose, or are permitting a third party to do so, in addition to any actions it may take under these Terms and Conditions; In that case, Remit Choice may report you to the appropriate legal authorities.

4.10 When using our website or the Service or when interacting with Remit Choice, with another user or with a third party, you will not:

4.10.1 breach these Terms and Conditions, or any other agreement between you and Remit Choice;

4.10.2 create more than one registration 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

4.10.5 refuse to confirm any information you provide to us, including proof of identity, or refuse to cooperate in any investigation;

4.10.6 use an anonymizing proxy or device (including without limitation any tool that attempts to make activity untraceable); or

4.10.7 copy or monitor our website or any part of the Services using any robot, spider, or other automatic device or manual process, without our prior written permission.

4.11 You acknowledge that nothing in these Terms and Conditions or in any other information provided by Remit Choice as part of the Service is intended to be, nor should it be construed to be, legal or other advice. If required, you agree to consult your professional advisers regarding the effects of Canadian or foreign laws that may apply to the Service.

5. OUR RIGHT TO REFUSE, SUSPEND OR CANCEL

5.1 We may refuse any Transaction at any time for any reason (or cancel it where relevant). Not with standing this, we set out here some examples of when that may occur.

5.1.1 We may, in our absolute discretion, refuse or cancel Transaction or Transactions where we believe that the Service is being used, whether by you or the sending/receiving party, in furtherance of illegal, fraudulent or Prohibited activities.

5.1.2 We may, in our absolute discretion, refuse or cancel Transaction or Transactions to or from certain Senders or to or from certain Payees, including but not limited to entities and individuals on, or in jurisdictions on, restricted or prohibited lists issued from time to time by any government authorities, if we are required to do so by law, or where we have reason to believe processing the Transaction would violate anti-money laundering or counter-terrorism financing laws and regulations. We may refuse to process a Transaction funded from certain Payment Instruments where we have reason to believe the security of the Payment Instrument has been compromised or where we suspect the unauthorized or fraudulent use of the Payment Instrument.

5.1.3 In our absolute discretion, we may refuse or cancel Transaction or Transactions if Remit Choice believes you are using the Service to purchase goods or services from third parties you do not know or trust.

5.1.4 We may, in our absolute discretion, refuse or cancel Transaction or Transactions if, included but not limited to:

(a) Remit Choice is unable to verify your identity;

(b) Remit Choice is unable to verify the identity of the Recipient;

(d) Remit Choice reasonably believes you are using the Service, or allowing it to be used, in breach of these Terms and Conditions or any applicable laws, rules or regulations.

5.2 Where Remit Choice has refused or cancelled a, Transaction or , Remit Choice may also, at its discretion, temporarily or permanently suspend your Registration.

5.3 Where Remit Choice temporarily or permanently suspends your Registration, or refuses or cancels a Transaction or Transactions under this clause 5, Remit Choice reserves the right to retain any Service Fees already incurred.

5.4 In order to comply with our obligations under relevant laws, we reserve the right to ask for further information or evidence relating to the purpose of a Transaction, as well as your identity and that of the Recipient.

6. YOUR RIGHT TO CANCEL or REFUNDS

6.1 To the extent permitted by law, once we have received your Instruction, you do not have the automatic right to revoke it.

6.2 Notwithstanding clause 6.1 above, Remit Choice may, in its absolute discretion, attempt to cancel your Instruction if you have informed us that you wish to revoke it. In some cases, Remit Choice may have initiated an irreversible request for funds to be paid out to your Payee by a Service Provider and, therefore, cannot guarantee cancellation will be successful. Remit Choice will normally refund your money for successful revocations, less any reasonable revocation charges and any Service Fees already charged.

6.3 If you:

6.3.1 have any problems using the Service; or

6.3.2 are aware of any unauthorized or incorrectly executed Transactions;

you should contact us through the channels listed at the end of these Terms and Conditions without delay and no later than 13 months after the Transaction Amount was debited upon becoming aware of the unauthorized or incorrectly executed Transaction. A request for a refund must be submitted in writing (including by email) to one of the contact points listed at the bottom of these 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.

6.4 If we have executed the Transaction following the instructions you provided, and that information proves to have been incorrect, we are not liable for the incorrect execution of the Transaction. We will, however, make reasonable efforts to recover the funds. We may charge you a reasonable fee to do so, reflective of our efforts.

6.5 Where Remit Choice has executed the Transaction otherwise than under your Instruction, subject to clause 11.2, Remit Choice will refund the full amount debited. Unless there are exceptional circumstances, no adjustment will be made for any currency fluctuations which may have occurred between the time you pay us the Transaction Amount and the time of credit.

6.6 Any refunds will be credited back to the same Payment Instrument used to fund the Transaction and in the same currency.

7. COLLECTION OF INFORMATION AND CONFIDENTIALITY

7.1 Customer Identification Program. Applicable Canadian federal and provincial 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 relating to you and the Recipient and we may also legally consult other sources to obtain information about you and the Recipient.

7.2 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. Be assured that this is done only to confirm your identity, and that we do not perform credit checks and therefore your credit rating will be unaffected. We may also need to verify the identity of a Recipient in the same way. All information provided by you will be treated securely and strictly in accordance with the applicable law. By accepting these Terms and Conditions you authorize 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, or requiring you to take steps to confirm ownership of your Payment Instruments or email address; or indirectly, for example by verifying your information against third party databases or through other sources.

7.3 Data Privacy Policy. You consent to our processing of your personal information to provide the Service, including verification purposes as set out in this clause. You also consent to use such data to enable our authorized third parties and us to communicate with you and for statutory, accounting, and archival purposes, per the Remit Choice`s Privacy Policy terms. You acknowledge that you have read and consented to Remit Choice`s Privacy Policy. The Privacy Policy can be found by clicking https://www.remitchoice.com/privacy

7.4 Government Disclosures. We may be required by law to provide information about you, your use of the Service and your Instructions to the government or other competent authorities as described in our Data Privacy Policy. You acknowledge and consent to us doing this.

7.5 Recipient Information. 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 Instruction. 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", , or other similar identifiers.

7.6 Confidentiality. You agree to keep any document, correspondence, information or other material that you receive from us and which may be confidential, whether in or hard copy or electronic format, strictly confidential, and not to disclose any such material without Remit Choice’s prior written consent, unless otherwise expressly provided in such material or unless you are expressly required to disclose such material under applicable law or regulation.

8. INTELLECTUAL PROPERTY

8.1 The Remit Choice website and the Remit Choice’s 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 website and the Service shall remain our property and/or the property of such other third parties.

8.2 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 the website. You are authorized 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, app, socials, 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 products, services and company names appearing on the website may be trademarks of their respective owners, and therefore you should not use, copy or reproduce them in any way.

9. WARRANTIES AND LIABILITY

9.1 Where we have materially breached these Terms and Conditions causing a Sender loss, we will refund the Sender the Transaction Amount and the Service Fee.

9.2 If a Transaction is delayed or fails, or if an executed Transaction is not authorized, you may have a right to receive a refund or compensation under laws relating to the provision of international money transfer services. In the case of any unauthorized or incorrectly executed Transaction, any such right may be prejudiced if you do not notify us of the unauthorized or incorrectly executed Transaction without delay, or in any event within 13 months after the debit date. We will provide you with further details of your rights to a refund or compensation if you contact us using the contact details at the end of these Terms and Conditions.

9.3 Any available relevant documentation must support any claim for compensation made by you.

9.3.1 Any claim for compensation made by you must be supported by any available relevant documentation.

9.4 To the maximum extent permitted by applicable law, if any loss that you suffer is not covered by a right to payment under the laws referred to in clause 11.2, and subject to the applicable law, we will only accept liability for that loss up to a limit which is the greater of: (a) the amount of any Service Fee and (b) CAD500, unless otherwise agreed by us in writing. The cap on our liability only limits a claim for loss arising out of any single Transaction or series of related Transactions, or (if a loss does not arise out of a Transaction or related Transactions) any single act, omission or event or related acts, omissions or events. This means that if, for example, you suffer loss because of our failure to perform our agreement with you under two unrelated Transactions, you might be able to claim up to CAD1,000.

9.5 Subject to applicable law, we do not, in any event, accept responsibility for:

9.5.1 any failure to perform the Service (e.g. your Instruction) as a result of circumstances that could reasonably be due to abnormal and unforeseen circumstances or outside our control or due to our obligations under any applicable laws, rules or regulations;

9.5.2 malfunctions 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;

9.5.3 any losses or delays in the transmission of messages arising out of the use of any internet or telecommunications service provider or caused by any browser or other software that is not under our control; or

9.5.4 errors on the website or with the Service caused by incomplete or incorrect information provided to us by you or a third party.

9.6 TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT ANY REPRESENTATIONS, CONDITIONS OR WARRANTIES WHATSOEVER. REMIT CHOICE EXPRESSLY DISCLAIMS, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ALL OTHER REPRESENTATIONS OR WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, NON-INTERFERENCE AND/OR QUIET ENJOYMENT, SYSTEM INTEGRATION, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND ACCURACY.

9.7 Nothing in this clause 11 shall (a) exclude or limit liability on our part for death or personal injury resulting from our negligence; or (b) exclude our liability for fraud.

9.8 Where you are sending a Transaction Amount to a Payee 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 Payee.

9.9 Your relationship is with the applicable Remit Choice entity as identified in section 1.2 only. You agree that no other Remit Choice entity, or affiliate or agent of Remit Choice owes you any duty of care when performing a task that would otherwise have to be performed by the applicable Remit Choice entity under its agreement with you.

9.10 You understand and acknowledge that you are liable for all losses incurred in respect of an unauthorized Transaction or Instruction or any other unauthorized use of the Service, where you have acted fraudulently or negligently and you agree to be responsible for 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 the website or Service, all activities that occur under your password or account e- mail login, and contact information that is registered with us, your violation of these Terms and Conditions or any other violation of the rights of another person or party.

10. USE OF THE APP AND SERVICES

10.1 In consideration of you agreeing to abide by these Terms and Conditions, we grant you a non-transferable, non-exclusive license to use the Services, including without limitation, the App, subject to these Terms and Conditions, our Privacy Policy and the applicable app-store terms (incorporated into these Terms and Conditions by reference) as may be amended from time to time. We reserve all other rights.

10.2 Except as expressly set out in these Terms and Conditions or as permitted by any local law, you agree:

10.2.1 not to copy the Services, including without limitation, the App (except where such copying is incidental to normal use of the Services, or where it is necessary for back-up or operational security); and

10.2.2 not to rent, lease, sub-license, loan, alter, translate, merge, adapt, vary or modify the Services, including without limitation, the App.

10.3 You acknowledge that the Services, including without limitation, the App have not been developed to meet your individual requirements, and that it is therefore your responsibility to ensure that the facilities and functions of the Services, including without limitation, the App meet your requirements.

10.4 We only supply the Services, including without limitation, the App for domestic and private use. You agree not to use the Services, including without limitation, the App for any commercial, business or resale purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity. Specifically (but without limitation), we do not accept any liability for loss or damages to you or any third party resulting from any delay in us processing an Instruction or refusal by us to execute a Transaction according to these Terms and Conditions.

10.5 The App is provided to you free of charge and as a result no representations, conditions, warranties or other terms of any kind are given in respect of the App, and all statutory warranties and conditions are excluded to the fullest extent possible under applicable law.

10.6 Concerning your use of the website and the App, we do not, in any event, to the extent permitted by law, accept responsibility for:

10.6.1 any failure to perform the Services, or any losses or delays in the transmission of messages, due to circumstances outside our control or due to our obligations under any applicable laws, rules or regulations;

10.6.2 malfunctions in communications facilities that cannot reasonably be considered to be under our control and that may affect the accuracy or timeliness of messages we send to one another;

10.6.3 errors in the website, App or Service caused by incomplete or incorrect information provided to us by you or a third party; or

10.6.4 any loss or damage you suffered by you from using our App on a ’jailbroken’, ‘rooted’ or otherwise modified device.

11. ELECTRONIC COMMUNICATIONS

11.1 You acknowledge that these Terms and Conditions shall be entered into electronically, and that the following categories of information ("Communications") may be provided by electronic means:

11.1.1 these Terms and Conditions and any amendments, modifications or supplements to it;

11.1.2 your records (e.g. of transactions) through the Service;

11.1.3 any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by law;

11.1.4 any customer service communications, including without limitation communications concerning claims of error or unauthorized use of the Service; and

11.1.5 any other communication related to the Service or Remit Choice.

11.2 The Service does not allow 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. To withdraw your consent, you must contact us using our contact information at the end of these Terms and Conditions.

11.3 In order to access and retain Communications, you must have or have access to the following:

11.3.1 an internet browser that supports256 – bit such as Internet Explorer version 8.0 or above;

11.3.2 an e-mail account, e-mail software capable of interfacing with Remit Choice`s e-mail servers and the capability to read e-mail from Remit Choice, and a device and internet connection capable of supporting the foregoing; and

11.3.3 sufficient electronic storage capacity on your electronic device’s hard drive or other data storage unit; or

11.3.4 a printer that is capable of printing from your browser and e-mail software.

11.4 In addition, you must promptly update us with any change in your e-mail address by contacting through below listed mediums.

12.TERMINATION

12.1 You may terminate these Terms and Conditions on one month’s written notice. We may terminate these Terms and Conditions upon two months’ notice, except as provided for in clause

12.2 We may terminate these Terms and Conditions with immediate effect if you:

12.2.1 become, or we reasonably believe or become aware you are likely to become, insolvent or are declared bankrupt;

12.2.2 are in breach of any provision of these Terms and Conditions;

12.2.3 use the Service or the website in a way that is disruptive to our other customers, or you do anything which in our opinion is likely to bring us into disrepute;

12.2.4 through any means of communication intimidate, harass or threaten Remit Choice or its employees with violence, property damage or any other offensive, indecent or hateful material;

12.2.5 breach or attempt to breach the security of Remit Choice’s customer portals (including but not limited to: modifying or attempting to modify any information; unauthorized log-ins, unauthorized 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); or

12.2.6 are, in Remit Choice’s reasonable belief, using the Service in connection with fraudulent, illegal or activity, or permitting a third party to do so.

13. COMPLAINTS

13.1 If you wish to make a complaint about any aspect of the Remit Choice service, please send your complaint in writing to the address shown on the https://www.remitchoice.com of our website.

13.2 We will acknowledge receipt of your complaint promptly. We will investigate your complaint and come back to you with the results of our investigation as soon as feasible after we acknowledge your complaint.

14.GENERAL

14.1 Governing law: For users who are NOT residents in the province of Quebec, this Agreement will be governed by Ontario law and the federal laws of Canada applicable therein, and the parties submit to the exclusive jurisdiction of the courts located in the province of Ontario. For users who are residents in the province of Quebec, this Agreement will be governed by Quebec law, the federal laws of Canada applicable therein, and the parties submit to the exclusive jurisdiction of the courts located in the province of Quebec.

14.2 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.

14.3 Modification: Subject to applicable law, we may modify any or all of these Terms and Conditions from time to time without notice to you, except as may be required by law or as we determine appropriate. You can review the most current version of the Terms and Conditions at any time by reviewing the website. At the top of this page, we will indicate the date these Terms and Conditions were last revised. If you have registered with respect to the Services, as required by law or as we determine appropriate; In that case, we will provide you with notice of any such modifications to these Terms and Conditions at least 30 days before the amendment comes into effect, indicating the new clause, or the amended clause and the clause as it read formerly, using any contact information we may have available for you. You may refuse the amendment and rescind, or cancel your participation without cost, penalty or cancellation indemnity, by sending us notice to that effect no later than thirty (30) days after the amendment comes into force, using the information in the notice. You may terminate your use of the Service if you do not agree with any modification or amendment. If you use the Service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification. You agree that you shall not modify these Terms and Conditions and acknowledge that any attempts by you to modify these Terms and Conditions shall be void.

14.4 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.

14.5 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 endeavor 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.

14.6 Any external links to third party websites on the website are provided as a convenience to you. We do not control these sites in any way and 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. You access such websites at your own risk.

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Security

We take security very seriously at Remit Choice with state-of-the-art security measures to help ensure your information remains secure. The Remit Choice Service is intended to be a safe and convenient way to send money to friends, family, and other people you trust.

However, we advise you to consider very carefully before sending money to anyone 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 at [email protected]. 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 Email or Phone.