1. CONTRACT FORMATION AND OVERVIEW
1.1 These Terms and Conditions govern the terms under which
you may access and use this website and the services associated with it
(together, the "Service"). By accessing, registering with and using the Service,
you agree to be bound by the terms of the Terms and Conditions. If you do not
wish to be bound by the Terms and Conditions do not access, register with or use
the Service. The language of these Terms and Conditions is English and all
Services, instructions and transactions carried out in connection with it shall
be in English.
1.2 In these Terms and Conditions, the terms "U
REMIT", "we", "us", and "our" refer to U REMIT International
Corporation, together with its employees, directors, affiliates, successors, and
assigns. U REMIT International is a company registered number
6510582 in Canada, with its registered office at 4 Robert Speck Parkway, Suite
1500, L4Z 1S1, Mississauga, Ontario, Canada. It is regulated by FINTRAC.
Registration number: M12939110.
1.3 The terms "you" and "your" refer to users of the Service,
whether in their capacity as Senders, Beneficiaries, or visitors to this
1.4 These Terms and Conditions are effective from September
1, 2015. The Terms and Conditions may change from time to time, but changes will
only be effective from the date they are made and will not change the terms on
which you previously used the Service.
1.5 The Service was created to assist customers to send money
to their family and friends, and to receive money from family and friends,
around the world. For security reasons, we recommend that you only send money
through the Service to people you know personally.
2. DEFINITIONS In this Terms and Conditions:
"Destination Country" means the country in
which the Beneficiary receives money through the Service.
"Local Taxes" means any taxes or charges payable in the
"Payment Instrument" means a valid instrument of payment such
as a bank account, debit card or credit card.
"Payout Amount" means the amount paid out to
the Beneficiary, after any foreign exchange conversion and excluding Local
"Beneficiary" means someone who receives money through the
"Sender" means someone who uses the Service to
"Commission" means the fee plus any additional
charges applicable to each Transaction.
"Service Provider" means a local bank, money
exchange house, or other third party service providers in the Destination
Country with whom U REMIT works in providing the Service.
"Transaction" means a specific instruction to
send money through the Service.
"Payin amount" means the amount of money that
the Sender wishes to send to the Beneficiary, excluding any applicable fees and
prior to any foreign exchange conversion.
3. OUR OBLIGATIONS
3.1 Subject to these Terms and Conditions, we
agree to provide the Service to you using reasonable care. The Service may not
be available in whole or in part in certain regions, countries, or
3.2 We are not obliged to process any particular Transaction.
When you submit a Transaction, you are requesting that we process the
Transaction on your behalf. We may, in our sole discretion, choose whether or
not to accept the offer to process that Transaction. However, if we decide not
to process the Transaction, we will notify you promptly of that decision and
repay the money paid to us.
3.3 U REMIT reserves the right to modify or discontinue the
service or any part of the Service without notice, at any time and from time to
time. We may, in our absolute discretion, refuse any Transaction or limit the
amount to be transferred, either on a per transaction basis or on an aggregate
basis, and either on individual accounts or on related accounts.
3.4 We may, in our sole discretion, refuse Transactions from
certain Senders or to certain Beneficiaries, including but not limited to
entities and individuals on restricted or prohibited lists issued from time to
time by the respective authorities. In addition, not all Payment Instruments are
available to all customers at all times and we may, in our sole discretion,
refuse Transactions funded from certain Payment Instruments.
3.5 We will attempt to process Transactions promptly, but any
Transaction may be delayed or cancelled for a number of reasons including but
not limited to: our efforts to verify your identity; to validate your
Transaction instructions; to contact you; or otherwise to comply with applicable
law; or due to variations in business hours and currency availability.
3.6 We will attempt to provide Senders and Beneficiaries 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
U REMIT shall not be held responsible for any inaccuracies
that may appear in that information or any consequential loss which may result
from incorrect or incomplete information.
4. YOUR OBLIGATIONS
You agree that:
4.1 you will not access, use or attempt to use
the Service as a Sender unless you are at least 18 years old, and that you have
the legal capacity to form a binding legal contract in the relevant
4.2 for each Transaction that you submit, you will pay us the
Commission in addition to the Payin amount. Payment becomes due at the time that
you submit your Transaction. If you submit a Transaction that results in U REMIT
becoming liable for charges including but not limited to chargeback or other
fees, you agree to reimburse us for all such fees;
4.3 in connection with your registration and use of the
Service, you will:
4.3.1 provide us with true, accurate, current and complete
evidence of your identity, and promptly update your personal information if and
when it changes;
4.3.2 provide our merchant with details of one
or more Payment Instruments; and
4.3.3 provide us with true, accurate, current and complete
information for all Transactions. We do not accept any liability for damages
resulting from non-payment or delay in payment of a money transfer to a
Beneficiary or failure to perform a transaction under the Service by reason of
any of these matters.
4.4 when you pay for a Transaction in one currency and the
Beneficiary is paid in another currency, there will be a difference between the
exchange rate at which we buy foreign currency and the exchange rate provided to
you. U REMIT and its Service Providers usually make a small profit in these
circumstances. If such account is denominated in another currency the amount to
be received by the Beneficiary will be reduced by the amount of extra charges
incurred by reason of the incorrect information given by you and we will have no
obligation to make good such reduction;
4.5 when you are sending money under these
Terms and Conditions, it is your responsibility to make sure all the Transaction
details are accurate before submission. Once a Transaction has been submitted
for processing it is not normally possible to change any of its details. Amendments
can be made in cases where a payout is not able to be made because of inaccurate
details. You will be given the opportunity to confirm Transactions before
submission and you must check the details carefully.
4.6 U REMIT will have no responsibility for any fees or
charges you may incur by the use of a particular Payment Instrument to fund a
Transaction. These may include but are not limited to unauthorised overdraft
fees imposed by banks if there are insufficient funds in your bank account or
"cash advance" fees and additional interest which may be imposed by credit card
providers if they treat use of the Service as a cash transaction rather than a
4.7 you will only use the Service to send money
to people that you know personally. If, in breach of this clause, you choose to
pay third parties for goods and services using the Service, you acknowledge that
U REMIT 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 Beneficiary will
only act on your own behalf. You may not submit or receive a Transaction on
behalf of a third person. If you intend to submit or receive a Transaction on
behalf of a company, business or any entity other than a human individual, you
must first inform U REMIT of your desire to do so and provide us with any
additional information about the entity we may request in order that we may
decide whether to permit the Transaction;
4.9 in using the Service you will comply with
these Terms and Conditions as well as any applicable laws, rules or regulations.
It is a breach of these Terms and Conditions to use the Service to send money
(i) to a Beneficiary who has violated the Terms and Conditions, or (ii) in
connection with illegal activity including without limitation money-laundering,
fraud and the funding of terrorist organisations. If you use the Service in
connection with illegal activity, U REMIT may report you to the appropriate
4.10 when using our website or the Service or when
interacting with U REMIT, with another user or with a third party, you will not:
4.10.1 breach this Terms and Conditions, or any other
agreement between you and U REMIT;
4.10.2 open more than one account, without our prior written
4.10.3 provide false, inaccurate, or misleading information;
4.10.4 allow anyone else access to your
registration details, and will keep those details secure;
4.10.5 refuse to provide confirmation of any
information you provide to us, including proof of identity, or refuse to
co-operate in any investigation;
4.10.6 use an anonymising proxy (a tool that
attempts to make activity untraceable); or
4.10.7 copy or monitor our website using any
robot, spider, or other automatic device or manual process, without our prior
4.11 U REMIT may, as necessary in providing the Service,
store all information required of a Beneficiary to prove his or her identity or
associated with their specific Transaction. Such proofs may include a suitable
form of valid, unexpired identification from a list of acceptable papers
provided by the Service Provider, and/or a Transaction tracking number, a
personal identification number (PIN), a "password", a "secret word", or other
5. CANCELLATION AND REFUNDS
5.1 If you have any problems using the Service you should
contact us through the channels listed at the end of this Terms and Conditions.
5.2 You have the statutory right to cancel your agreement
with us after you have submitted a Transaction. This right of cancellation
continues until fourteen days after you have submitted the transaction, or until
we have completed the contract by processing the Payout Amount to the
Beneficiary, whichever is the earlier. If you exercise your right to cancel
under this clause, we may make a cancellation charge.
5.3 If you wish to exercise your right to cancel under this
clause, you must submit a written request to one of the contact points listed at
the bottom of this Terms and Conditions, giving the Sender's full name, address,
and phone number, together with the Transaction tracking number(UTN Number),
Payin amount, and the reason for your refund request.
5.4 Any refunds will be credited back to the same Payment
Instrument used to fund the Transaction and in the same currency. No adjustment
will be made for any currency fluctuations which may have occurred in the
6. COLLECTION OF INFORMATION
6.1 Customer Identification Program. Canadian law requires
all financial institutions to assist in the fight against money laundering
activities and the funding of terrorism by obtaining, verifying, and recording
identifying information about all customers. We may therefore require you to
supply us with personal identifying information and we may also legally consult
other sources to obtain information about you.
6.2 Verification and Checks. We will verify your residential
address and personal details in order to confirm your identity. We may also pass
your personal information to a credit reference agency, which may keep a record
of that information. You can be rest assured that this is done only to confirm
your identity, that a credit check is not performed and that your credit rating
will be unaffected. All information provided by you will be treated securely and
strictly in accordance with the Data Protection Act 1998.
6.3 By accepting these Terms and Conditions you
authorise us to make any inquiries we consider necessary to validate the
information that you provide to us. We may do this directly, for example by
asking you for additional information, requiring you to take steps to confirm
ownership of your Payment Instruments or email address; or by verifying your
information against third party databases; or through other sources.
processing your personal information for the purposes of providing the Service,
including for verification purposes as set out in this clause. You also consent
to the use of such data for communicating with you, and for statutory,
accounting and archival purposes. You acknowledge that you have read and
6.5 Government Disclosures. We may be required by law to
provide information about you and your Transactions to government or other
and consent to our doing this.
7. INTELLECTUAL PROPERTY
7.1 The U REMIT website and the U REMIT 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 U REMIT Online Site and the U REMIT Online Service shall
remain our property and/or the property of such other third parties.
7.2 The U REMIT website and the U REMIT Service may be used
only for the purposes permitted by these Terms and Conditions or described on
this website. You are authorized solely to view and to retain a copy of the
pages of the U REMIT 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 U REMIT
website, the U REMIT 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 U REMIT website or the U
REMIT Service; and/or (b) remove or alter any copyright, trademark or other
proprietary notice or legend displayed on the U REMIT website (or printed pages
of the website). The name U REMIT and other names and indicia of ownership of U
REMIT's products and/or services referred to on the U REMIT website are our
exclusive marks or the exclusive marks of other third parties. Other product,
service and company names appearing on the website may be trademarks of their
8. WARRANTIES AND LIABILITY
8.1 We will refund to you any benefit which we
receive as a result of any breach of our agreement with you (this means that,
for example, where a money transfer has failed in such circumstances we will
refund to you the Payin amount and the Commission).
8.2 If a money transfer is delayed or fails, you may have a
right to receive a refund or compensation under laws relating to the provision
of international money transfer services. We will provide you with the details
of your rights to a refund or compensation if you contact us using the contact
details at the end of this agreement.
8.3 Any claim for compensation made by you and/or a
Beneficiary (who is not registered with us) must be supported by any available
8.4 If any loss which you or a Beneficiary (who is not
registered with us) suffers is not covered by a right to payment under the laws
referred to in clause
8.5 We do not, in any event, accept responsibility for:
8.5.1 any failure to perform your instructions as a result of
circumstances which could reasonably be considered to be outside our control;
8.5.2 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;
8.5.3 any losses or delays in transmission of messages
arising out of the use of any internet service provider or caused by any browser
or other software which is not under our control;
8.5.4 errors on the website or with the Service caused by
incomplete or incorrect information provided to us by you or a third party.
8.6 Nothing in this clause 8 shall (a) exclude or limit
liability on our part for death or personal injury resulting from our
negligence; or (b) exclude liability for our fraud.
8.7 Where you are sending a money transfer to a Beneficiary
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 Beneficiary.
8.8 Your relationship is with U REMIT only. You agree that no
affiliate or agent of U REMIT owes you any duty of care when performing a task
which would otherwise have to be performed by U REMIT under its agreement with
8.9 You agree to indemnify and hold harmless U REMIT, our
subsidiaries, affiliates, officers, directors, employees, agents, independent
contractors, advertisers, partners, and co-branders from all loss, damage,
claims, actions or demands, including reasonable legal fees, arising out of your
use or misuse of this website or Service, all activities that occur under your
password or account e- mail login, your violation of this Terms and Conditions
or any other violation of the rights of another person or party.
9. ELECTRONIC COMMUNICATIONS
9.1 You acknowledge that this Terms and Conditions shall be
entered into electronically, and that the following categories of information
("Communications") may be provided by electronic means:
9.1.1 This Terms and Conditions and any amendments,
modifications or supplements to it.
9.1.2 Your records of transactions through the Service.
9.1.3 Any initial, periodic or other disclosures or notices
provided in connection with the Service, including without limitation those
required by law.
9.1.4 Any customer service communications, including without
limitation communications with respect to claims of error or unauthorised use of
9.1.5 Any other communication related to the Service or U
9.2 The Service does not allow for Communications to be
provided in paper format or through other non-electronic means. You may withdraw
your consent to receive Communications electronically, but if you do, your use
of the Service shall be terminated. In order to withdraw your consent, you must
contact us using our contact information at the end of this Terms and
9.3 In order to access and retain Communications, you must
have or have access to the following:
9.3.1 An Internet browser that supports 128-bit encryption,
such as Internet Explorer version 4.0 or above;
9.3.2 An e-mail account and e-mail software
capable of interfacing with U REMIT's e-mail servers;
9.3.3 A personal computer, operating system and
telecommunications connections to the Internet capable of supporting the
9.3.4 Sufficient electronic storage capacity on your
computer's hard drive or other data storage unit; and
9.3.5 A printer that is capable of printing from your browser
and e-mail software. In addition, you must promptly update us with any change in
your email address by updating your profile at http://www.U REMITONLINE.com.
10.1 Either party may terminate this Terms and Conditions on
one day's written notice.
10.2 We may terminate this Terms and Conditions with
immediate effect if you:
10.2.1 become, or are likely to become, insolvent or are
10.2.2 are in breach of any provision of this Terms and
10.2.3 your use of the Service or the website is disruptive
to our other customers, or you do anything which in our opinion is likely to
bring us into disrepute;
10.2.4 breaches or attempts to breach the security of the
website (including but not limited to: modifying or attempting to modify any
information; unauthorised log-ins, unauthorised data access or deletion;
interfering with the service, system, host or network; reverse engineering of
any kind; spamming; hacking; falsifying data; introducing viruses, Trojan
horses, worms or other destructive or damaging programs or engines; or testing
security in any way);
11.1 If you wish to make a complaint about any aspect of the
U REMIT service, please send your complaint in writing to the address shown or
by email to SUPPORT@UREMIT.CA
11.2 We will acknowledge receipt of your complaint within 2
business days. We will investigate your complaint and come back to you with the
results of our investigation no later than 7 business days of receipt of your
12.1 Governing law: this Agreement will be governed by
Canadian law and the parties submit to the exclusive jurisdiction of the
12.2 No Waiver: The failure of U REMIT to exercise or enforce
any right or provision of the Terms and Conditions shall not constitute a waiver
of such right or provision.
12.3 Modification: We may modify this Terms and Conditions
from time to time without notice to you, except as may be required by law. You
can review the most current version of the Terms and Conditions at any time by
reviewing this website. You may terminate your use of the Service if you do not
agree with any modification or amendment. If you use the Service after the
effective date of an amendment or modification, you shall be deemed to have
accepted that amendment or modification. You agree that you shall not modify
this Terms and Conditions and acknowledge that any attempts by you to modify
this Terms and Conditions shall be void.
12.4 Entire Agreement: This agreement constitutes the entire
agreement between the parties and supersedes all prior understandings or
agreements relating to the subject matter of this agreement.
12.5 Severability: If any provision of the Terms and
Conditions is found by an arbitrator or court of competent jurisdiction to be
invalid, the parties nevertheless agree that the arbitrator or court should
endeavour to give appropriately valid effect to the intention of the Terms and
Conditions as reflected in the provision, and the other provisions of the Terms
and Conditions shall remain in full force and effect.
12.6 Any external links to third-party websites on the
website are provided as a convenience to you. These sites are not controlled by
us in any way and we are not responsible for the accuracy, completeness,
legality or any other aspect of these other sites including any content provided
on them. You access such websites at your own risk.
We take security very seriously at U REMIT, and we work hard,
using state-of-the-art security measures, to make sure that your information
remains secure. The U REMIT online service is a safe and convenient way to send
money to friends and family and to other people that you trust. However, we do
advise you to consider very carefully before sending money to anyone that you do
not know well. In particular, you should be very cautious of deals or offers
that seem too good to be true - they may be scams. If you are aware of anyone or
any entity that is using the Service inappropriately, please email us using our
contact form. Similarly, if you receive any emails, purporting to be from U
REMIT, which you suspect may be "phishing" (fake) emails, please notify us
immediately. Contact Information Questions, notices, and requests for refunds or
further information should be sent to U REMIT, as follows:
Customer Support contact number: 905-402-3222
Toronto office: Phone: 905-402-3222 mail : U REMIT
International Corporation, 1500- 4 Robert Speck Parkway, Mississauga ,Ontario
Dubai office: Phone: +9714-2522744 mail: U REMIT
International FZE, DAFZA, Building 5WB Office 340.
© U REMIT International 2015