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Terms and Conditions

Terms and Conditions for World Cash Transfers

ELECTRONIC DISCLOSURES AND CONSENT

Capitalised terms used in these Electronic Disclosures and Consent are defined in Section 3, below.

Consent

As a condition of your use of the Service, you consent to: having your Bank Account debited (or credited), your Debit Card debited (or credited) and/or your Credit Card Account charged against electronically to pay for any transfers you initiate at the Website using our Service(s) as well as any applicable fees, including Consumer Fees, and other charges; electronically signing (by use of an electronic signature that evidences your identity) required documents and agreements; and receiving all required disclosures, notices, statements and other communications from us electronically (we may, at our sole discretion, post them at the Website or email or send them to you) (the "Electronic Consent").

Categories of Communications

You understand and agree that we may provide you with disclosures, notices and statements and other communications and information regarding our Service, your Transfers, the debiting (or crediting) of your Bank Account, debiting or crediting of your Debit Card and/or charging of your Credit Card Account ("Communications"), in electronic form, including but not limited to the following categories of communications:

Your records of Transfers, including without limitation, histories and confirmations of individual Transfers.
Any initial, periodic, annual or other disclosures or notices provided in connection with the Service(s), your Transfers, the debiting (or crediting) of your Bank Account, debiting or crediting of your Debit Card and/or the charging of your Credit Card Account and any others required by applicable law.
Any notice or disclosure regarding fees or charges, including without limitation, any Consumer Fee(s) imposed for Transfers or for an electronic debit to your Bank Account or charge against your Credit Card Account that is returned for any reason, such as insufficient funds or line of credit or a stop-payment order.
Any customer service communications, including without limitation, communications with respect to claims of error or unauthorised use of Service(s).
Any change in the terms and conditions of use of the Service(s).
Privacy statements or notices.
Any other legally required statements, including without limitation, Transfer Receipts.
Any other communication related to the Service(s).

Although we reserve the right to provide communications in paper format at any time, you agree that we are under no obligation to do so, except as otherwise set forth in this agreement. All communications in either electronic or paper format will be considered to be "in writing."

Retaining Copies for Your Records

You should print a paper copy of any electronic communication that is important to you and retain the copy for your records. If you do not wish to receive this Electronic Consent or the communications electronically, you may not use our Service(s).

Electronic Signatures

You understand and agree that we may electronically provide you with documents and agreements for your electronic signature.

How to Withdraw Consent

Your Electronic Consent shall remain in full force and effect unless you provide written notice of your withdrawal of this Electronic Consent to us at World Cash Transfers Unit 6/32 Junction Road, Burleigh Heads Qld Australia 4220, Attn: Customer Service. Your withdrawal will only become effective after we have received such written notice and have had a reasonable amount of time to process it. We do not currently impose a fee to withdraw your Electronic Consent, but we retain the right to charge fees for withdrawal at a later date if we provide you with a notice of such a change-in-terms, either through an email to you or by posting such a change-in-terms on the Website.
If you choose not to agree to this Electronic Consent, or you withdraw your Electronic Consent, you cannot use our Service(s). Your withdrawal of this Electronic Consent will cancel your agreement to use electronic records and electronic signatures, and therefore, your ability to use these Service(s).

How to Update Your Records

You agree to promptly update your records if your email address or other information that we need to contact you electronically in your Profile changes. Follow the instructions on the Website to update your Profile.
If you do not promptly update your contact information in your Profile, you understand and agree that any communications shall nevertheless be deemed to have been provided to you if they (a) were emailed to the email address in your Profile records or (b) made available electronically at the Website as provided in this Electronic Consent.

Delivery of Electronic Communications

Communications may be posted on the Website (or other Website(s) disclosed to you) and/or delivered to the email address you provide. If we post a Communication only at the Website (or other Website(s) disclosed to you), we will inform you of its availability at the Website via an email sent directly to you. In such instances, we will leave such communication posted at the Website for at least 90 days from the date it first becomes available or from the date the email notice was sent alerting you of the communication, whichever is later. You agree that these are reasonable procedures for sending and receiving electronic communications.

Hardware and Software Requirements

In order to access and retain communications and use our Service(s), you must have:

An Internet browser that supports 128-bit encryption, such as Netscape Navigator version 4.0 or above or Internet Explorer version 4.0 or above.
An email account and email software capable of interfacing with World Cash Transfers systems.
A personal computer, operating system and telecommunications connections to the Internet capable of supporting the foregoing.
Sufficient electronic storage capacity on your computer's hard drive or other data storage unit.
A printer that is capable of printing from your browser and email software.

Obtaining Paper Copies

You may obtain a paper copy of any legally-required communications and or agreement that you will be required to sign in order to authorise ACH debits/credits and/or for credit card transactions for up to 24 months after such communication or agreement has been provided or made available to you electronically. You may request such a paper copy by sending a detailed written request to World Cash Transfers P.O. Box 2344 Burleigh Heads 4220 Queensland, Australia, Attn: Customer Service. Although we do not currently impose a fee for a paper copy of our electronic records, we reserve the right to charge fees for paper copies at a later date if we provide you with a notice of such a change-in-terms, via an email directly to you or by posting such a change-in-terms on the Website.
When you click on the check box just before you initiate a Transfer, you agree that: (i) your computer system meets the minimum hardware and software requirements set forth above and you can read and print any communications that we make available to you electronically; (ii) you are affirmatively agreeing to this Electronic Consent and receiving communications electronically (not in paper form); (iii) you consent to your Bank Account being debited (or credited) and, where applicable, your Debit Card being debited (or credited) and/or Credit Card Account being charged electronically to pay for the Transfers you initiate through the Website and applicable Service fees, including Consumer Fees, and other applicable charges; (iv) you consent to using an electronic signature on required documents and agreements including any agreements that you will be required to sign in order to authorise ACH debits/credits and/or for credit card transactions; (vi) your consent reasonably demonstrates that you can access information electronically, you are able to use an electronic signature, and any electronic signature that you provide on any agreements that you will be required to sign in order to authorise ACH debits/credits and/or for credit card transactions shall be valid and binding.

Acceptance of Terms

These Terms and Conditions (this "Agreement") set forth the terms and conditions governing your use of the World Cash Transfers service offered by World Cash Transfers. You are bound by this Agreement if you use either Service. Please read this carefully. By accepting this Agreement, you agree that you have read and understand this Agreement and that you will be bound by and comply with all of its terms.

Definitions

As you read this Agreement please keep in mind that the following terms, when capitalized, will have the following meanings:
"ACH" is the automated clearing house.
"Bank Account" is the deposit account with an Australian insured depository that a Sender designates to be debited in the amount necessary to complete an eMoney Transfer.
"Biller" is a company that has authorised World Cash Transfers to accept payments on its behalf from consumers.
"Business Day" means a day, other than a Saturday, Sunday or banking holiday, that banks in the United States are open for business to the public.
"Consumer Fee" is the fee charged to a Sender to complete either an eMoney.
"Credit Card Account" is a Credit Card Account related to the VISA or MasterCard credit card issued by a financial institution in Australia that a Sender authorises World Cash Transfers (and any party authorised by World Cash Transfers) to charge against in order to pay the Transfer Amount and Consumer Fee, whether as the initial form of payment or as a back-up funding source to the Bank Account.
"Debit Card Account" is a Debit Card Account related to the VISA or MasterCard debit card issued by a financial institution in Australia and tied to an Australian insured depository that a Sender authorises World Cash Transfers (and any party authorised by World Cash Transfers) to charge against in order to pay the Transfer Amount and Consumer Fee, whether as the initial form of payment or as a back-up funding source to the Bank Account.
"eMoney Transfer" is an online money transfer Service provided by World Cash Transfers at the Website that allows an individual to Transfer money to another individual, who can receive the money at one of World Cash Transfers' Locations throughout the world. When sending money to certain countries, a Sender may designate a Receiver's physical address, bank account or electronic device as the Receiver. This service is not available everywhere; please check the Website for availability
"Location" is a facility operated by a Representative where a Receive Amount can be collected by a Receiver.
"Card" is the private security code created by the Sender that permits access to the Sender's Profile.
"Profile" is the informational record that will be maintained by World Cash Transfers based upon the information supplied by a Sender.
"Receiving Country" is the country where the Receiver receives the Receive Amount.
"Receipt" is the form containing information regarding your Transfer that can be printed by a Sender.
"Receive Amount" is the amount of money that is paid to the Receiver.
"Receiver" is a person who receives money from a Sender as the result of an eMoney Transfer. A Receiver is not a party to this Agreement.
"Reference Number" is the unique number that World Cash Transfers issues to a Sender to give to the Receiver to assist the Receiver in proving his or her authority to receive the Receive Amount.
"Representative" means a person, usually a company that maintains a facility that is open to the public, who is authorised by World Cash Transfers to pay Receive Amounts to Receivers.
"Service(s)" refers to the eMoney Transfer.
"Service Provider" is any company or companies engaged by World Cash Transfers or its contractors to provide services in connection with the Services.
"Sender" is a person who purchases either the eMoney Transfer. Sender will refer to you if you purchase either Service. A Sender is bound by the terms of this Agreement.
"Transfer" refers to a money transfer using the eMoney Transfer.
"Transfer Amount" is the amount sent by the Sender to either a Receiver or a Biller, excluding the Consumer Fee.
"User ID" is the code that links to the Sender's Profile for identification purposes and is also referred to as the World Cash Transfers ID.
"Website" refers to the transactional pages on which the Services can be initiated that are accessible through certain World Cash Transfers related websites, currently including www.World Cash Transfers.com.

Signing Up to Use the Services

Eligible Users

In order to use either Service,

you must have a postal mailing address in Australia and a valid and active e-mail address,
you must have a valid Bank Account
your mailing address must match the billing address for your Bank Account (as applicable);
you must be at least 18 years of age. You cannot send a Transfer on behalf of a third party.
Other restrictions may apply.

Opening A Profile

You can apply to open a Profile by entering the required information on the Website and agreeing to the terms of this Agreement. If World Cash Transfers accepts your application, it will open your Profile. You will then establish your User ID and Card. Both your User ID and Card are highly confidential and should not be shared with any other party

Verification of Information
In an effort to combat money laundering activities and the funding of terrorism, the Australian government enacted laws that require a money transmitting institution such as World Cash Transfers to obtain, verify, and record information that identifies each person who registers at its Website and initiates a Transfer through its Service(s). You agree that we may obtain a consumer report on you at any time.
As part of the application process required to open a Profile at our Website, we will ask for personally identifiable information about you, such as your name, address, date of birth, etc., that will help us to identify you. We may also request other identifying documents or information. If you refuse or fail to provide the requested information, we may decline to open a Profile for you or provide the Service(s) to you, or may discontinue providing such Service(s) to you at any time, in our sole discretion.
You agree that if you initiate any Transfers through our Website, you are initiating each transmission from a computer located at the address that you provided to us when your Profile was established.
Until you have completed the appropriate application and verification processes required to open and activate a Profile and we have approved your application and you have created and been issued a Card, you will not have access to the Services. The verification process will not occur until you request a Transfer. Once you have completed the application procedures, your use of the Services may be subject to certain restrictions as disclosed to you in this Agreement or when your Profile is opened. The restrictions will remain in effect until any verification of your address, identity; Bank Account and Credit Card Account required by World Cash Transfers have been successfully completed. Such verification may include a requirement that you properly respond to a notice that World Cash Transfers sends to the Australian. postal mailing address you have provided. The address of record on any Bank Account you link to your Profile must be the same as the Australian. postal mailing address you furnish us for your Profile. Once your address, identity, Bank Account and Credit Card Account information have been successfully verified or authenticated by us, you may make use of the Services subject to the terms and conditions of this Agreement.

Using the Services

How To Use The Service

To initiate a Transfer, you must enter the required information at the Website.

Purpose for Using the Services

You agree to use the Services only for bona fide and lawful purposes. You may not use the Services to conduct gambling activities or any illegal activity. World Cash Transfers has the right to terminate your Profile and to refuse to process (or may reverse) any Transfer if it believes, in its sole discretion, that you are using a Service for any illegal or improper purpose or if: (a) any Transfer exceeds the available funds on deposit in your Bank Account or Debit Card Account or, if applicable; (b) we have reason to believe any Transfer may not be authorised by you; (c) any Transfer involves funds subject to a hold, dispute or legal process preventing their withdrawal from the Bank Account or Debit Card Account; (d) any Transfer would violate any law, rule or regulation applicable to the Service, you or the financial institution where your Bank Account is held; (e) any Transfer is not in accordance with any other requirement stated in this Agreement or any of our policies, procedures or practices; or (f) for our protection or yours, we have reasonable cause not to honour a Transfer. You agree that neither World Cash Transfers nor any Representative or Service Provider will be held responsible or liable to you or any other person for such action except as required by law. World Cash Transfers may report suspicious activity to appropriate law enforcement organizations or other government agencies.

Transfer Limits

You can make individual Transfers in amounts up to $1000 per Transfer with a rolling thirty (30) day aggregate limit of $5,000. Subject to applicable legal requirements, World Cash Transfers reserves the right to change limits at any time in its sole discretion including but not limited to stricter aggregate dollar limits or refusing to process any Transfer for you.

Limitations on Your Bank Account

Please be aware that certain types of financial institution accounts have limits on the number of Transfers or withdrawals that may be made per month and may refuse to process Transfers that exceed such limits. Accordingly, we recommend that you check with your financial institution to determine what limitations are imposed on withdrawals from your Bank Account. If we are not able to debit the amount required to cover a Transfer (including any applicable Consumer Fees) you initiate at the Website from your Bank Account, we will not be able to complete the Transfer you have authorised and will not be held liable for any costs, damages, etc., caused by such failure. We have no obligation to try to debit a Bank Account for a specific money transmission more than once.

Business Days

World Cash Transfers's business days are Monday through Friday, excluding banking holidays Australia. Please note that holiday observance in Receiver's countries may affect the Receiver's ability to collect a Transfer.

Paying for the Services

Fees

Prior to sending a Transfer, you can determine all applicable fees, including the Consumer Fee, by using the "Estimator" on the Website. See Section 7, below, for information regarding currency exchange fees. The fees and charges we assess to your Bank Account, as applicable, also will be reflected on the Receipt form that we will make available to you during your initiation of each Transfer. Please print out a copy of the Receipt form for each Transfer you initiate and retain it for your records and save the Receipt to your local hard drive for your records. The financial institution that holds your Bank Account or Debit Card Account may impose fees in connection with your purchase of a Service. Fees imposed by your financial institution or by any other person not directly a party to the Transfer, such as the Receiver's financial institution, will not be reflected on the Receipt form for your Transfer. If you are paying for a Transfer by debit to your Bank Account or Debit Card Account and there are insufficient funds in your Bank Account or Debit Card Account, you may be subject to an additional $25.00AUD fee.

Payment Authorization

For each Transfer you initiate you authorise World Cash Transfers (or any party authorised by World Cash Transfers) to debit from your Bank Account, as applicable, for the Transfer Amount you enter, plus any applicable fees, including the Consumer Fee, and charges. The funds must be available in the account from which the Transfer is made. Please be sure funds are available in that account before you initiate a Transfer. When you authorise a Transfer, you are authorising World Cash Transfers (and any party authorised by World Cash Transfers) to take the funds from your Bank Account in the amount of the Transfer Amount plus any applicable fees, including the Consumer Fee, and charges.

Obligation to Have Sufficient Funds or Credit

World Cash Transfers shall have no obligation to effect a Transfer unless sufficient funds are available in your Bank Account, and neither World Cash Transfers nor any Service Provider shall have any liability if a Transfer is not effected as a result of the unavailability of sufficient funds or credit. You are responsible if World Cash Transfers makes a Transfer you request and, for any reason, World Cash Transfers is unable to collect the funds from your Bank Account, or the Transfer is later reversed. In addition, World Cash Transfers making of any Transfer without sufficient funds or credit available or without financial institution approval shall not create any obligation on the part of World Cash Transfers to make any such Transfer now or in the future. If you are paying for a Transfer by debit to your Bank Account and there are insufficient funds in your Bank Account or Debit Card Account, you will be subject to an additional $25.00 fee.

Cut off Hours

If we receive instructions to initiate a Transfer from you on or before 5:00 p.m. Eastern Standard Time on a business day, we will attempt to debit the funds from your Bank Account that day.

Currency Exchange

Exchange Rate Expense

In addition to any applicable fees, including the Consumer Fee, and charges applicable to an eMoney Transfer, a currency exchange rate set by World Cash Transfers or its Representatives may be applied if your Transfer will be received outside of the United States. Any difference between the rate applied to the Transfer and the rate received by World Cash Transfers or its Representatives will be kept by World Cash Transfers or its Representatives. The money earned by World Cash Transfers or its Representatives when the Transfer Amount is converted will be in addition to money earned by charging the Consumer Fee.

Exchange Rate

The Receive Amount and "Exchange Rate" shown on the Receipt are valid for 45 days from the date the Transfer is sent. In all other events an "Estimated Exchange Rate" will be applied.

Estimated Exchange Rate

If a Transfer is subject to an "Estimated Exchange Rate," the rate of exchange for the Transfer will be set at the time the Receiver collects the funds in the receiving country. The actual exchange rate that will be applied may be affected by political, economic and other conditions in the receiving country. Representatives within a country may not apply a uniform currency exchange rate and, as such, the currency exchange rate may vary based upon the Location selected by Receiver. The actual exchange rate that will be applied to your Transfer may materially vary from the Exchange Rate that applied during the 45 day period following the date the Transfer was sent.

Unique Pay-Out Currency

If the Receiver requests that the Transfer be paid in a currency other than the currency in which the Location normally pays out, the Representative (if it is willing to pay out in the requested currency) may charge an exchange fee. This exchange is a separate transaction between the Receiver and the Representative, and is not a part of the Transfer. Use the "Estimator" on the Website to learn what currencies are available in the country you have selected.

Receiving an eMoney Transfer

Availability

A Transfer made in conjunction with the initial application for a Profile will be delayed until your identity and funding information has been fully confirmed by World Cash Transfers. Thereafter, the Receive Amount can usually be received at a World Cash Transfers Location within ten (10) minutes after the Transfer was sent, subject to the hours of operation of the Location selected by the Receiver and other terms contained in this Agreement. A Transfer may only be picked up by a Receiver in the country designated by the Sender. A country may not include its territories. The Receiver can call 1-800-157-706 or refer to the Website for the address and phone number of Locations. For Transfers sent to a physical address, a bank account or an electronic device (where available, check Website for availability), the Receive Amount will be subject to the delivery schedule and hours of operation of the Service Provider delivering the Transfer. A Receiver's ability to receive any Transfer may be restricted until any identity verification of the Sender or Receiver required by World Cash Transfers has been successfully completed and the availability of funds or credit line (as applicable) has been confirmed. In addition, due to circumstances beyond the control of World Cash Transfers such as exchange control regulations of the receiving country, Transfers to certain destinations may be subject to delay or to restrictions imposed under the laws of the receiving country. Please note that holiday observance in the receiving country may affect a Receiver's ability to collect Transfers.

Pay-out Information

eMoney Transfers will be paid out in cash, or to a bank account or electronic device, or a combination thereof, if available. If the Receive Amount stated on the receipt is different than the amount actually received by your Receiver, please contact us at 1-800-157-706 or email us through the "Contact Customer Service" link on our Website at www.WorldCashTransfers.com. The financial institution that holds your Bank Account may impose fees in connection with your purchase of a Service. Fees imposed by your financial institution or by any other person not directly a party to the Transfer, such as the Receiver's financial institution, will not be reflected on the Receipt form for your Transfer.

Receiver Identification

The Sender is solely responsible for ensuring that the identifying information about the Receiver is accurate. A Receiver must produce photo identification. The Reference Number is not always required to receive a Transfer. SENDERS SHOULD USE CAUTION WHEN SENDING TO RECEIVERS THEY DO NOT KNOW.

Cancelling Payments-Refunds

To cancel a Transfer contact World Cash Transfers through the Website. You cannot cancel a Transfer or receive a refund after the Receive Amount has been disbursed to the Receiver or disbursed to a delivering Service Provider, if applicable. Except as required by law, World Cash Transfers will not be responsible or liable in any manner to you or any other person for its failure for any reason to cancel a Transfer. Except as otherwise set forth in this Agreement or required by law, if you ask us to terminate a Transfer or your service, or your Bank Account is closed for any reason, you will remain liable for previously authorised Transfers. Under certain circumstances you may be eligible for a refund. To request a refund, please contact World Cash Transfers through the Website and supply the following information:
Give your name, User ID, Reference Number and date of the Transfer in question.
Describe the error or Transfer you are unsure about, and explain as clearly as you can why you feel you are entitled to a refund.
Provide the dollar amount of the refund you are requesting.
If available, provide all of the information that appeared on the Receipt.
World Cash Transfers will use reasonable efforts to determine whether you are entitled to a refund and, if applicable effect a refund, within thirty (30) days after it receives from you a valid written request (including by email) or such shorter period as may be required by law. If World Cash Transfers determines that funds have not been delivered due solely to World Cash Transfers or our Representative's fault, both the Transfer Amount and the Consumer Fee will be refunded in Australian dollars. If World Cash Transfers determines that you are entitled to a refund for any other reason, only the Transfer Amount will be refunded. If World Cash Transfers determines that you qualify for a refund, your original funding source, your Bank Account, will be credited and you agree we may process such a credit. You will receive notification if World Cash Transfers determines that you are not entitled to a refund. For more information, please contact customer Service through the Website.

Handling Disputes with a Receiver or Biller

A Transfer cannot be reversed or cancelled after the Receive Amount has been disbursed. If you have a dispute with a Biller or a Receiver regarding a Transfer for which a Service was used to make payment, you should contact the other party directly to resolve the problem. For example, if you are involved in a dispute as to an amount owed, the quantity or quality of goods or services purchased, whether or not the goods or services conform to an order or warranty, whether or not goods or services have been delivered or performed, or any other aspect of your relationship with a Receiver or Biller, you agree to pursue any such claim directly with the Receiver or Biller. You should contact your credit card issuer as soon as possible to preserve any dispute rights you may have with such issuer. If World Cash Transfers receives complaints about you or a Receiver to whom you have sent funds, your Profile may be closed, among other things, as provided below. To the extent allowed by law, you agree that neither World Cash Transfers nor any Service Provider will be responsible or liable in any manner for any claims that you may have, or any claims made against you by any person, arising out of any dispute between you and a Receiver or Biller.

Records of Transfers

Records of all Transfers involving your Profile will be posted and updated on an applicable web page platform on a continuing basis. You may access these records at any time by clicking on the "Past Transfers" page of your Profile and providing the required information to access such pages.

Your Other Financial Obligations

To the extent allowed by law, World Cash Transfers also has the right to collect from you the amount of any uncollected or reversed Transfer, plus any fees assessed and collection expenses, court costs and attorney's fees. To the extent allowed by law, you agree to hold World Cash Transfers harmless from any losses, costs, expenses or damages it may incur in connection with collecting for any Transfer or in defending any of the foregoing actions, including court costs and attorney's fees. You may be reported to a collection agency or credit bureau if you do not pay for any Transfer or Consumer Fee you have authorised in accordance with this agreement. You authorise World Cash Transfers to debit your Bank Account for any amounts owing to World Cash Transfers described in this section.

Your Obligation to Provide Complete and Accurate Information

You represent and warrant that all information you provide to World Cash Transfers, including but not limited to your application information and all data entered in connection with any Transfer or other transaction, will be complete and accurate in all respects. World Cash Transfers is entitled to rely on any information you provide and you agree to update your information if it changes. World Cash Transfers also reserves the right to take steps to verify the information you provide, although it is not required to do so. You authorise World Cash Transfers to obtain consumer reports on you to evaluate your application for monitoring or collection purposes, or for any other lawful purpose. If World Cash Transfers is unable to verify the information you provide, your application for a Profile may be rejected. IF YOU PROVIDE FALSE INFORMATION, YOUR PROFILE MAY BE TERMINATED AND ANY PENDING TRANSFERS MAY BE CANCELLED. IN ADDITION, YOU MAY BE SUBJECT TO CIVIL AND CRIMINAL PENALTIES.

Your Representations

You represent and warrant in connection with any Transfer that (a) the Transfer information, including information about the Receiver and Biller, is accurate, (b) your Bank Account, has sufficient funds or credit, to make the Transfer, (c) the Transfer is lawful, and (d) the Transfer complies with the terms of this agreement.

Product Delivery

World Cash Tansfers (WCT) will deliver all products in a timely fashion from the time that payment has been recieved and cleared. WCT will make all attempts to ensure that any paid product is delivered promptly to the address supplied by the consumer. In the event that a product is not recieved due to any reason outside of WCT's control then WCT is not liable to replace that product. WCT will review each situation and will make every effort to replace the product at cost to the consumer

Card Protection

You must use your User ID and Card to initiate a Transfer. You agree that your Card has the same effect as your written signature and can be used to authorise Transfers. You agree not to divulge your Card to any other person, and you agree not to use another person's User ID or Card. If, notwithstanding the foregoing prohibition, you give your Card to another person, you will be deemed to have authorised such person to use that Card for any and all purposes, without limitation. You agree to assume the entire responsibility at all times for the supervision, management, control and confidentiality of your Card. You agree that, to the extent permitted by law, you will assume the entire risk for fraudulent or unintentional use of your Card and that neither World Cash Transfers nor any Service Provider 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 Card to any other person, including any losses or damages arising out of the disclosure of your Card by the recipient to another person.

Your Liability

You agree to review and verify regularly and promptly all receipts and disclosures and respective debits for payment thereof from your Bank Account or Debit Card Account and charges against your Credit Card shown on our Website and, as applicable, on the statements you receive from the financial institution holding your Bank Account.
Contact us AT ONCE at 1-800-157-706, email us through the "Contact Customer Service" link on our Website at www.WorldCashTransfers.com if you believe your Card has been lost or stolen or if any debit to your Bank Account relating to a Transfer initiated through the Service(s) is erroneous or unauthorised or if any charge against your Credit Card is erroneous or unauthorised. Telephoning is the best way of minimising your potential losses. Otherwise, you could lose all the money in your Bank Account or Debit Card Account (plus your maximum overdraft line of credit). If you tell us within four business days of becoming aware of the loss, theft or unauthorised or erroneous use of your Card, you can lose no more than $50 if someone used your Card without your permission to make unauthorised or erroneous money transmissions for which payment was debited from your Bank Account or Debit Card Account.
If you do NOT notify us within four business days after you learn of the loss or theft of your Card or the unauthorised or erroneous debiting of your Bank Account, and we can prove that with such notice we could have stopped someone from using your Card without your permission or initiating additional money transmissions through our Website if you had notified us, you could lose as much as $500.
Also, if your bank statement shows transmissions by us that you did not authorise, tell us AT ONCE. If you do not tell us within 90 days after the FIRST bank statement on which the problem or error appeared was mailed to you, you may not recover any money you lost after such 90-day period if we can prove we could have stopped someone from taking the money if you had notified us in time. If there are extenuating circumstances, such as a long trip or a hospital stay, that prevented you from notifying us, we will extend the notice period for a reasonable time.

Error Resolution Notice

In case of errors or questions about any debit to your Bank Account relating to a Transfer initiated through the Service(s) or any charge against your Credit Card, telephone us at 1-800-157-706 or email us through the "Contact Customer Service" link on our Website at www.WorldCashTransfers.com.
Contact us as soon as you can, if you think a transaction on your statement or a receipt for a Transfer is wrong or, if you need more information about a transfer listed in your statement or receipt. We must hear from you no later than 90 days after the FIRST bank statement on which the problem or error appeared. When you notify us, you should:

provide your name, your User ID and Bank Account number;
describe the error or the Transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and
disclose the dollar amount of the suspected error.

If you notify us by telephone, we may require that you send us your complaint or question in writing within 10 business days.
We will tell you the results of our investigation within 10 business days after you notify us and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally re-credit your Bank Account or Debit Card Account within 10 business days for the amount you think is in error (including interest where applicable), so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not provisionally re-credit your account.
We will advise you of the results within three business days after we finish our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Indemnification

Except to the extent that World Cash Transfers is otherwise liable under this Agreement or by law, you agree to indemnify and hold World Cash Transfers, its shareholders, subsidiaries, affiliates, directors, officers, employees, agents, representatives, suppliers, Service Providers, and subcontractors harmless from any and all losses, liabilities, claims, demands, judgments and expenses, including but not limited to reasonable attorney's fees, arising out of or in any way connected with your use of or the performance of the Services. You provide this indemnification without regard to whether our claim for indemnification is due to the use of the Services by you or on your Bank Account or Debit Card Account.

In Case of Errors or Questions About Transfers from Your Bank Account

ALL QUESTIONS ABOUT TRANSFERS MADE WITH YOUR CARD THAT ARE PAID FOR VIA A DEBIT TO YOUR BANK ACCOUNT THROUGH THE WEBSITE MUST BE DIRECTED TO US (WORLD CASH TRANSFERS) AND NOT TO THE BANK OR OTHER FINANCIAL INSTITUTION HOLDING YOUR BANK ACCOUNT. We are responsible for the Service(s) and for resolving any errors in Transfers made with your Card at the Website.
We will not mail you a written statement listing Transfers made from your Bank Account or Debit Card Account in connection with the Service, but such information will be made available to you at our Website or on the account statement issued by your financial institution. SAVE THE RECEIPT FORMS YOU ARE GIVEN WHEN YOU USE YOUR CARD FOR TRANSFERS THROUGH THE WEBSITE, AND CHECK THEM AGAINST THE INFORMATION AVAILABLE AT THE WEBSITE AND, IF APPLICABLE, AGAINST YOUR MONTHLY ACCOUNT STATEMENT RECEIVED FROM THE FINANCIAL INSTITUTION HOLDING YOUR BANK ACCOUNT. If you have any questions about a Transfer from your Bank Account contact customer service through the link on this Website or call World Cash Transfers at 1-800-157-706.
IF YOUR CARD IS LOST OR STOLEN, NOTIFY CUSTOMER SERVICE AT ONCE by e-mailing customer Service through the link on this Website, or call World Cash Transfers at 1-800-157-706.

Change in Terms Notice

We may change the terms and conditions of this Agreement from time to time, at our sole discretion, and (a) if required by law, sending a notice of such change or a copy of the amended agreement to your last address or email address shown in our records or (b) if required by law, posting a notice at the Website. Prior notice may not be given, however, when not required by law or where an immediate change is necessary for security purposes. By continuing to use the Service(s) after any such change, you agree to be bound by the changed terms and conditions of this Agreement as of the effective date of such changes.

Termination

World Cash Transfers may, without notice (except as required by law) and without liability to you, refuse to honour any instruction for a Transfer or terminate or suspend your access to the Services at any time and for any reason, including without limitation, if: (a) you attempt to transfer or charge funds from an account that does not belong to you or from an account which does not have sufficient available funds, or if you are paying by credit card, there is an insufficient available line of credit; (b) your financial institution attempts to charge back or reverse a Transfer entered into using a Service on the basis of a dispute related to a Transfer; (c) you use a Service, directly or indirectly, for any unlawful or improper purpose; (d) you provide incorrect or false information about yourself, your Bank Account or about a Receiver; (e) you attempt to tamper, hack, modify or otherwise corrupt the security or functionality of the Services or any Website; (f) World Cash Transfers receives conflicting claims regarding ownership of, or the right to withdraw funds from, a Bank Account; (g) you have breached a term or condition of this Agreement, or any representation or warranty that you make under this Agreement is false; (h) World Cash Transfers determines that your Profile is inactive; or (i) World Cash Transfers believes that any Transfer you initiated may be fraudulent or impermissible, violate any applicable law, rule or regulation or otherwise expose you or World Cash Transfers to risk of loss. To close your Profile, contact Customer Service through the Website. If World Cash Transfers closes your Profile for any reason World Cash Transfers may, in its sole discretion, cancel your pending Transfer requests.

System Malfunctions/Limitations

Neither World Cash Transfers nor any Service Provider shall be liable for any loss or damage resulting from a cause outside its direct control, including the failure of electronic or mechanical equipment or communication lines, telephone or other interconnection problems, computer viruses, "hacking," unauthorised access, theft, operator error, severe weather, earthquakes, natural disasters, strikes or other labour problems, wars, acts of terrorism, or government restrictions, or for any information lost due to malfunction or loss of any email systems.

Disclaimer of Warranties

YOU EXPRESSLY AGREE AND UNDERSTAND THAT THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WORLD CASH TRANSFERS EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED 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.

Our Liability; Limitations

If, after receiving a fully paid, timely, complete and accurate Transfer request in accordance with these Terms & Conditions, World Cash Transfers does not complete a Transfer on time or in a correct amount according to this Agreement, World Cash Transfers will be liable only for your proximately caused actual damages as set forth below, to the extent required by applicable law. Without limiting the generality of the preceding sentence, World Cash Transfers will not be liable if:

through no fault of World Cash Transfers, your Bank Account, as applicable, does not contain sufficient available funds or credit for us to debit the account in the amount of the Transfer and applicable fees (including Consumer Fees) and charges;
you attempt to Transfer funds in excess of the Transfer limits or in violation of any other provision set forth in this Agreement;
the Website or other system, including World Cash Transfers money transfer network, was not working properly and you knew or had been advised about the malfunction before you completed the Transfer;
you did not follow all instructions properly;
World Cash Transfers does not correctly receive your instructions due to a telecommunications failure or otherwise;
a Receiver or Biller refuses or fails to pick up or accept a Transfer;
circumstances beyond World Cash Transfers control prevent any Transfer;
a Profile has been closed or suspended;
upon the occurrence of any other facts representing an exception to World Cash Transfers liability as stated in this Agreement;
Circumstances that are beyond our control (such as fire, flood or computer breakdown or problems with a telephone line or Internet failure) prevent or impede the transmission, despite reasonable precautions we have taken;
The funds in your Bank Account are subject to an uncollected funds hold, legal process or any other encumbrance or claim restricting transfers at the time we attempt to debit your Bank Account for payment of a money transmission you initiated at our Website; or
The information you have supplied to us is incorrect, incomplete or not timely.

There may be other exceptions.
If World Cash Transfers, a Representative or a Service Provider is deemed liable to a Sender in connection with any Transfer made or not made in accordance with this agreement, the maximum aggregate liability of World Cash Transfers or such Service Provider shall be the amount of the Transfer plus the Consumer Fee, without interest, unless otherwise required by applicable law. YOU EXPRESSLY UNDERSTAND AND AGREE THAT NEITHER WORLD CASH TRANSFERS NOR ANY SERVICE PROVIDER SHALL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, EVEN IF WORLD CASH TRANSFERS OR THE SERVICE PROVIDER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF THE CLAIM ARISES DUE TO WORLD CASH TRANSFERS'S, ITS SERVICE PROVIDER'S, OR ITS REPRESENTATIVE'S NEGLIGENCE RELATING TO HUMAN OR MECHANICAL ERROR OR OTHERWISE OR TO WORLD CASH TRANSFERS'S, ITS SERVICE PROVIDER'S OR ITS REPRESENTATIVE'S OTHER FAULT, ERROR, OMMISSION OR NONPERFORMANCE. NEITHER WORLD CASH TRANSFERS, ITS REPRESENTATIVE NOR ANY SERVICE PROVIDER WILL BE LIABLE FOR ANY VARIANCES OR SERVICE DELAYS DUE TO LOCAL REGULATIONS OR CAUSES BEYOND THE CONTROL OF WORLD CASH TRANSFERS, ITS REPRESENTATIVE OR SERVICE PROVIDER.

Use of Information and Disclosure to Others

You agree that any information about you, your Transfers, Bank Account, Debit Card Account Credit Card Account that you provide or that World Cash Transfers otherwise receives in connection with the Services may be provided to any party designated by World Cash Transfers to perform its obligations under this Agreement, World Cash Transfers Service Providers and parties working with those Service Providers and consumers reporting agencies in accordance with the World Cash Transfers Privacy Policy and as allowed by law. The following is a restatement of World Cash Transfers Privacy Policy:

PRIVACY POLICY

All financial institutions are required by law to have in place policies regarding the collection and disclosure of information considered to be "non-public personal information". World Cash Transfers is considered a financial institution under this law. We obtain non-public personal information about our consumers from information that consumers provide on transaction forms and applications. This information is necessary to facilitate the consumer's transactions. We do not collect non-public personal information about our consumers from any other sources. We may disclose some or all of the non-public personal information described above to independent contractors and service providers for the purposes of processing requested transactions or to perform marketing and similar services on our behalf with respect to our own products and services. Our agreements with these service providers contain confidentiality provisions and restrictions on using this information for any other purposes. We do not disclose non-public personal information about our consumers to anyone for the purpose of marketing or soliciting products or services other than our own. Access to non-public personal information about our consumers or our consumers' transaction history is restricted to employees, independent contractors, or service providers who need to have access to that information to process our consumers' transactions. We may also disclose certain information as required or permitted under applicable law, for example, to government agencies. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard our consumers' non-public personal information.

Assignment

You may not assign this Agreement to any other party. World Cash Transfers may assign this Agreement or delegate certain of its rights and responsibilities under this Agreement to third parties without notice to you.

No Waiver

World Cash Transfers shall not be deemed to have waived any of its rights or remedies under this Agreement unless such waiver is in writing and is signed by the party alleged to have waived. The delay or failure of World Cash Transfers to exercise or enforce any right or remedy in connection with this Agreement shall not constitute a waiver of such right or remedy or any other rights or remedies. A waiver on any occasion shall not be construed as a bar or waiver of any rights or remedies on any other occasion.

General Information

This Agreement constitutes the entire agreement between you and World Cash Transfers regarding the use of the Services, and supersedes any prior agreements between you and World Cash Transfers to the extent that they might otherwise apply to the Services. Otherwise, any such other agreements remain in full effect in accordance with their terms. This Agreement and the relationship between you and World Cash Transfers shall be governed by the laws of the Australia without regard to its conflict of law provisions. You agree to submit to the jurisdiction of the courts located within the state of Minnesota. If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavour to give effect to the parties' intentions as reflected in the provision, and the other provisions of this Agreement remain in full force and effect. You agree that to the extent any statute or law to the contrary may be modified hereby, any claim or cause of action arising out of or related to the use of the Services or this Agreement must be filed within one (1) year after such claim or cause of action arose or it will be forever barred. You agree that each Service Provider is a third party beneficiary of this Agreement for purposes of indemnity and limitations on liability.

Arbitration for Transfers Originating Outside of Australia

Any controversy or claim arising out of or relating to this Agreement with respect to Transfers originating outside of Australia or the provision of Services by World Cash Transfers outside of Australia shall be settled by binding arbitration administered by the Australian Centre for International Commercial Arbitration under its commercial arbitration rules and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. Any such arbitration shall be initiated in Sydney, New South Wales (Australia) and this exclusive arbitration remedy shall not be maintained unless initiated within one (1) year after the controversy or claim arose. Either you or World Cash Transfers may seek any interim or preliminary relief from a court of competent jurisdiction in the state of New South Wales necessary to protect the rights or property of you or World Cash Transfers (or World Cash Transfers Representatives, suppliers, Service Providers or subcontractors) pending the completion of arbitration. You and World Cash Transfers shall sign all documents and do all other things necessary to submit any such matter to arbitration and further agree to submit to arbitration and to abide by the decision rendered in arbitration.
By accessing and using the Services on the Website, you agree to the terms and conditions of this Agreement.
© 2008 World Cash Transfers. All rights reserved.