United States of America
CONSUMER FRAUD ALERT:
PROTECT YOURSELF. BE CAREFUL WHEN A STRANGER ASKS YOU TO SEND MONEY,
ESPECIALLY FROM UNSOLICITED E-MAILS, FOR INTERNET AUCTIONS, NEWSPAPER OR TELEPHONE OFFERS.
Notify us immediately if you believe your WorldRemit username and password have been lost or stolen or if someone may use them without your permission.
1. CONTRACT FORMATION AND OVERVIEW
1.1
These Terms and Conditions govern the terms under which you may access
and use this website ( for purpose of this Terms & Conditions
“website” includes our mobile applications) 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.
1.2 In these Terms and Conditions, the terms "WorldRemit", "we", "us", and "our"
refer to WorldRemit Corp., together with its employees, directors,
affiliates, successors, and assigns. WorldRemit Corp. is a Delaware
corporation, with its headquarters located at 600 17th Street, Suite
200S, Denver CO 80202.
1.3 The terms "you" and "your" refer to users of the Service, whether in their capacity as Senders, Recipients, or visitors to this website.
1.4
These Terms and Conditions are effective from September 30, 2014. 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. You must not use the Service to
send money to strangers for example sellers of goods and/or services,
private or retail.
2. DEFINITIONS
In this Terms and Conditions:
"Destination Country" means the country in which the Recipient receives money through the Service.
"Local Taxes" means any taxes or charges payable in the Destination Country.
"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 Recipient, after any foreign exchange conversion and excluding Local Taxes.
"Recipient" means someone who receives money through the Service.
"Sender" means someone who uses the Service to send money.
"Service Fee" 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 WorldRemit works in
providing the Service.
"Transaction" means a specific instruction to send money through the Service.
"Transaction Amount"
means the amount of money that the Sender wishes to send to the
Recipient, excluding any applicable fees and prior to any foreign
exchange conversion.
“Electronic Signature” means
the sender consents and agrees that the use of a key pad, mouse, or
other device to select an item, button, icon, or similar act/action
while using any electronic service we offer; or in accessing or making
any transaction; or regarding any agreement, acknowledgment, consent,
terms, disclosures, or conditions, constitutes the sender’s signature,
acceptance and agreement as if actually signed by the sender in
writing.”
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 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. 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 if we are not prohibited by law from
doing so.
3.3 WorldRemit 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
Recipients, including but not limited to entities and individuals on
restricted or prohibited lists issued from time to time by the US
Government. 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 Recipients 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 WorldRemit 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 jurisdiction;
4.2
for each Transaction that you submit, you will pay us the Service Fee
in addition to the Transaction Amount. Payment becomes due at the time
that you submit your Transaction. If you submit a Transaction that
results in WorldRemit 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 us and/or 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 Recipient
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 Recipient 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. WorldRemit and its Service
Providers usually make a small profit in these circumstances. If a
Recipient’s account is denominated in another currency there may be
delays, additional charges or different exchange rates. Please ensure
the currency requested for the transaction matches the currency of the
account where the funds are to be delivered.
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. You will be
given the opportunity to confirm Transactions before submission and you
must check the details carefully.
4.6 WorldRemit 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
purchase transaction;
4.7 you will only use the Service to send
money to people that you know personally and not to pay for goods or
services. If, in breach of this clause, you choose to pay third parties
for goods and services using the Service, you acknowledge that
WorldRemit 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. If WorldRemit
reasonably believes you are using the Service to purchase goods or
services, we reserve the right to cancel your Transaction(s);
4.8
both you and the Recipients 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 WorldRemit 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 Recipient 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 organizations. If you use the Service in connection
with illegal activity, WorldRemit may report you to the appropriate
legal authorities;
4.10 when using our website or the Service or
when interacting with WorldRemit, 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 WorldRemit;
4.10.2 open more than one account, 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, 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 written permission.
4.11
WorldRemit 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 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 similar identifiers.
5. CANCELLATION AND REFUNDS
5.1 If you have any problems using the Service you should contact us at:
WorldRemit Corp.
600 17th Street,
Suite 200S
Denver CO 80202
Toll free # +1 855 383 7579
Contact us here
5.2 What to do if you want to cancel a remittance transfer: {#section_5.2}
Subject to applicable law, you have the right to cancel your money transfer and obtain a full refund of all funds paid to us, including any fees in connection with the transfer, within thirty minutes of the payment for the transfer. Your cancellation request should be made using the “request cancellation” button displayed at the WorldRemit website or via the application. We will issue a refund within three business days of your request.
You may still cancel the money transfer if the funds have not been deposited or disbursed at the time that we receive your cancellation request. For these cancellation requests, you will not be able to have the fees we charge returned to you. For the avoidance of doubt, you may not cancel an order under any circumstances if the funds have been disbursed or deposited with the recipient.
5.3 You have a right to dispute errors
in your transaction. If you think there is an error, contact us within
180 days at 1-888-961-4869 or www.worldremit.com. You can also contact us for a written explanation of your rights.
5.4 For California customers only:
RIGHT TO REFUND
You,
the customer, are entitled to a refund of the money to be transmitted
as the result of this agreement if WorldRemit does not forward the money
received from you within 10 days of the date of its receipt, or does
not give instructions committing an equivalent amount of money to the
person designated by you within 10 days of the date of the receipt of
the funds from you unless otherwise instructed by you. If your
instructions as to when the moneys shall be forwarded or transmitted are
not complied with and the money has not yet been forwarded or
transmitted, you have a right to a refund of your money. If you want a
refund, you must mail or deliver your written request to WorldRemit at
600 17th Street, Suite 200S, Denver CO 80202. If you do not receive your
refund, you may be entitled to your money back plus a penalty of up to
$1,000 and attorney’s fees pursuant to Section 2102 of the California
Financial Code.
5.5 For State of Washington customers only:
RIGHT TO REFUND
You,
the customer, must mail or deliver a written request for a refund to
WorldRemit at 600 17th Street, Suite 200 South, Denver, Colorado, 80202.
You are entitled to a refund of all moneys received by WorldRemit for
transmittal within ten days of WorldRemit’s receipt of your written
request for a refund, unless any of the following occurs: (a) The moneys
have been transmitted and delivered to the person designated by the
customer prior to receipt of the written request for a refund; (b)
Instructions have been given committing an equivalent amount of money to
the person designated by the customer prior to receipt of a written
request for a refund; (c) The licensee or its authorized delegate has
reason to believe that a crime has occurred, is occurring, or may
potentially occur as a result of transmitting the money as requested by
the customer or refunding the money as requested by the customer; or (d)
The licensee is otherwise barred by law from making a refund. Pursuant
to the Revised Code of Washington (RCW); Title 19, Chapter 230, Section
330, Subsection 3.
5.6 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 meanwhile.
6. COLLECTION OF INFORMATION
6.1 Customer Identification Program.
US
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.
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.
6.4 Data Privacy Policy.
You consent to our 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 consented to
WorldRemit's Data Privacy Policy. The Data Privacy Policy can be found
by clicking here: Data Privacy Policy.
6.5 Government Disclosures.
We may be required by law to provide information about you and your
Transactions to government or other competent authorities as described
in our Data Privacy Policy. You acknowledge and consent to our doing
this.
7. INTELLECTUAL PROPERTY
7.1
The WorldRemit website and the WorldRemit 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 WorldRemit Online Site and the
WorldRemit Online Service shall remain our property and/or the property
of such other third parties.
7.2 The WorldRemit website and the
WorldRemit 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 WorldRemit
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
WorldRemit website, the WorldRemit 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 WorldRemit website or the WorldRemit Service; and/or (b)
remove or alter any copyright, trademark or other proprietary notice or
legend displayed on the WorldRemit website (or printed pages of the
website). The name WorldRemit and other names and indicia of ownership
of WorldRemit's products and/or services referred to on the WorldRemit
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 respective owners.
8. DISCLAIMER OF WARRANTIES
THE
SERVICE IS PROVIDED "AS IS" AND WITHOUT ANY WARRANTY OR CONDITION,
EXPRESS, IMPLIED OR STATUTORY. WE, OUR SUBSIDIARIES, EMPLOYEES,
SUPPLIERS, VENDORS, AND SERVICE PROVIDERS SPECIFICALLY DISCLAIM ANY
IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR
PURPOSE AND NON-INFRINGEMENT.
9. LIMITATION OF LIABILITY
9.1
IN NO EVENT SHALL WORLDREMIT, ITS SUPPLIERS, VENDORS, SERVICE
PROVIDERS, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS,
EMPLOYEES OR CONSULTANTS BE LIABLE (EXCEPT FOR CLAIMS UNDER SECTION
2102 OF THE CALIFORNIA FINANCIAL CODE ARISING FROM TRANSACTIONS
ORIGINATING IN CALIFORNIA) FOR ANY DIRECT, INDIRECT, INCIDENTAL,
SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES BEYOND THE SUM OF $500.00
(IN ADDITION TO REFUNDING THE TRANSACTION AMOUNT AND TRANSACTION FEES),
INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL,
USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF WORLDREMIT HAS BEEN
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM NEGLIGENCE ON
THE PART OF WORLDREMIT, ITS SUPPLIERS, VENDORS, SERVICE PROVIDERS, OR
THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, EMPLOYEES OR
CONSULTANTS.
9.2 We do not, in any event, accept responsibility for:
9.2.1
any failure to perform your instructions as a result of circumstances
which could reasonably be considered to be outside our control;
9.2.2
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;
9.2.3 any losses or delays
in transmission of messages arising out of the use of any internet or
telecommunications service provider or caused by any browser or other
software which is not under our control;
9.2.4 errors on the
website or with the Service caused by incomplete or incorrect
information provided to us by you or a third party.
9.3 Where you
are sending a money transfer to a Recipient who is not registered with
us, you agree to accept the provisions of this clause 9 not only for
yourself, but also on behalf of the Recipient.
9.4 Your
relationship is with WorldRemit only. You agree that no affiliate or
agent of WorldRemit owes you any duty of care when performing a task
which would otherwise have to be performed by WorldRemit under its
agreement with you. You acknowledge and agree that, to the extent
WorldRemit holds your funds, WorldRemit shall hold such funds as agent
on your behalf.
9.5 You agree to indemnify and hold harmless
WorldRemit, 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.
10. ELECTRONIC COMMUNICATIONS
10.1
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:
10.1.1 This Terms and Conditions and any amendments, modifications or supplements to it.
10.1.2 Your records of transactions through the Service.
10.1.3
Any initial, periodic or other disclosures or notices provided in
connection with the Service, including without limitation those required
by law.
10.1.4 Any customer service communications, including
without limitation communications with respect to claims of error or
unauthorised use of the Service.
10.1.5 Any other communication related to the Service or WorldRemit.
10.2
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 Conditions.
10.3 In order to access and retain Communications, you must have or have access to the following:
10.3.1 An Internet browser that supports 128-bit encryption, such as Internet Explorer version 4.0 or above;
10.3.2 An e-mail account and e-mail software capable of interfacing with WorldRemit's e-mail servers;
10.3.3
A personal computer, operating system and telecommunications
connections to the Internet capable of supporting the foregoing;
10.3.4 Sufficient electronic storage capacity on your computer's hard drive or other data storage unit; and
10.3.5
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 https://www.worldremit.com.
10.4
Electronic Consent. You must use your User ID, i.e. email address, and a
password created by you, that permits access to your profile to
initiate a transaction. You agree that the use of your User ID and
password have the same effect as your written signature and serves as
your electronic signature to authorize transactions. The use of your
electronic signature evidences your identity. Further, you agree that no
certification authority or other third party verification is necessary
to the validity of your electronic signature; and that the lack of such
certification or third party verification will not in any way affect the
enforceability of your signature.
11. TERMINATION
11.1 Either party may terminate these Terms and Conditions on one day's written notice.
11.2 We may terminate these Terms and Conditions with immediate effect if you:
11.2.1 become, or are likely to become, insolvent or are declared bankrupt;
11.2.2 are in breach of any provision of these Terms and Conditions;
11.2.3
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;
11.2.4 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);
12. Complaints
What to do if you think there has been an error or problem:
If you think there has been an error or problem with your remittance transfer:
Call us at: +1 855 383 7579, or
Write us at: WorldRemit Corp. 600 17th Street, Suite 200S, Denver CO 80202, or
Contact us via chat at: https://www.worldremit.com/en/contact-us
You must contact us within 180 days of the date we promised to you that funds would be made available to the recipient. When you do, please tell us:
(1) Your name and address or telephone number;
(2) The error or problem with the transfer, and why you believe it is an error or problem;
(3) The name of the person receiving the funds, and if you know it, his or her telephone number or address;
(4) The dollar amount of the transfer; and
(5) The confirmation code or number of the transaction.
We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation.
What to do if you want to cancel a remittance transfer:
Contact WorldRemit first to file a complaint. If you have contacted WorldRemit and still have an unresolved complaint regarding the company’s money transmission services, you can contact the appropriate jurisdiction listed below.
Alabama Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Alabama Securities Commission, http://www.asc.state.al.us/, or by telephone at 800-222-1253.
Alaska Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If your issue is unresolved by WorldRemit, please submit formal complaints with the State of Alaska, Division of Banking & Securities. Please download the form here: https://www.commerce.alaska.gov/web/portals/3/pub/DBSGeneralComplaintFormupdated.pdf.
Submit formal complaint form with supporting documents to Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807. If you are an Alaska resident with questions regarding formal complaints, you can email the Division at dbs.licensing@alaska.gov or call 907-465-2521.
Arizona Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Arizona Department of Financial Institutions: https://dfi.az.gov/ or 602-771-2800.
Arkansas Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Arkansas Securities Department, #1 Commerce Way, Suite 402, Little Rock, Arkansas, 72201. The telephone number is 800-981-4429 and the website is: www.securities.arkansas.gov.
California Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the California Department of Financial Protection & Innovation online at https://dfpi.ca.gov/ or by downloading the form online and mailing it to Department of Financial Protection and Innovation, Attn: Consumer Services, 2101 Arena Boulevard, Sacramento, CA 95834.
Colorado Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Colorado Division of Banking, 1560 Broadway, Ste. 975, Denver, CO 80202, or online at https://banking.colorado.gov/, telephone number 303-894-7575. Additional information is available on this Colorado Consumer Complaint Notice.
Connecticut Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Connecticut Department of Banking, https://portal.ct.gov/dob, 800-831-7225.
Delaware Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Delaware Office of State Bank Commissioner, https://banking.delaware.gov/, 302-739-4235.
District of Columbia Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to District of Columbia Department of Insurance, Securities, and Banking, https://disb.dc.gov/, 202-727-8000.
Florida Residents:
WorldRemit Corp. (license number FT230000132) is licensed by the Florida Office of Financial Regulation. If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to Florida Office of Financial Regulation, https://flofr.gov/, 850-487-9687.
Georgia Residents:
WorldRemit Corp. (license number 44350, NMLS number 1179663) is licensed as a Money Transmitter in the State of Georgia by the Georgia Department of Banking and Finance. If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to Georgia Department of Banking & Finance, https://dbf.georgia.gov/, 888-986-1633.
Guam Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to Guam Department of Revenue & Taxation, https://www.guamtax.com/app/contactus.do, 671-635-7664.
Hawaii Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Hawaii Division of Financial Institutions, http://cca.hawaii.gov/dfi/, 808-586-2820.
Idaho Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Idaho Department of Finance, https://www.finance.idaho.gov/, 208-332-8000.
Illinois Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Illinois Department of Financial and Professional Regulation, https://www.idfpr.com/, 888-473-4858.
Indiana Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Indiana Department of Financial Institutions, https://www.in.gov/dfi/, 317-232-3955.
Iowa Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to Iowa Division of Banking, https://www.idob.state.ia.us/, 515-281-4014.
Kansas Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Kansas Office of the State Bank Commissioner, https://www.osbckansas.org/, 785-380-3939.
Kentucky Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Kentucky Department of Financial Institutions, https://kfi.ky.gov/, 502-573-3390.
Louisiana Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Louisiana Office of Financial Institutions, http://www.ofi.louisiana.gov/, 225-925-4660.
Maine Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Maine Bureau of Consumer Credit Protection, https://www.maine.gov/pfr/consumercredit/index.shtml, 207-624-8527.
Maryland Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding the licensee, WorldRemit Corp., license number 1179663, at Commissioner of Financial Regulation, Attention: Consumer Services Unit, 500 North Calvert Street, Room 402, Baltimore, Maryland, 21202, or by telephone at 888-784-0136. http://www.dllr.state.md.us/finance/
Massachusetts Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Massachusetts Division of Banks, https://www.mass.gov/orgs/division-of-banks, 800-495-2265. Massachusetts license FT1179663.
Michigan Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to Michigan Department of Insurance & Financial Services, https://www.michigan.gov/difs, 877-999-6442.
Minnesota Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to Minnesota Department of Commerce, https://mn.gov/commerce/, 651-539-1600.
Mississippi Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Mississippi Department of Banking & Consumer Finance, https://dbcf.ms.gov/, 601-321-6901.
Missouri Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Missouri Division of Finance, https://finance.mo.gov/, 573-751-3242.
Montana Residents:
If you have a complaint, contact the consumer assistance division of WorldRemit Corp. at 855-383-7579.
Nebraska Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Nebraska Department of Banking and Finance, https://ndbf.nebraska.gov/, 877-471-3445.
Nevada Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Nevada Division of Financial Institutions, https://fid.nv.gov/, 702-486-4120.
New Hampshire Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the New Hampshire Banking Department, https://www.nh.gov/banking/, 603-271-3561.
New Jersey Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the New Jersey Department of Banking & Insurance, https://www.state.nj.us/dobi/index.html, 800-446-7467 or 609-292-7272.
New Mexico Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the New Mexico Financial Institutions Division, https://www.rld.nm.gov/financial-institutions/about-us/, 505-476-4500.
New York Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to New York State Department of Financial Services, One State Street, New York, NY 10004-1511, by telephone at (800) 342-3736, or online at http://www.dfs.ny.gov/consumer/fileacomplaint.htm.
North Carolina Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the North Carolina Office of the Commissioner of Banks, https://www.nccob.gov/public/, 919-733-3016.
North Dakota Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the North Dakota Department of Financial Institutions, https://www.nd.gov/dfi/, 701-328-9933.
Ohio Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Ohio Division of Financial Institutions, https://www.com.ohio.gov/fiin/, 614.644.6508.
Oklahoma Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Oklahoma Banking Department, https://oklahoma.gov/banking.html, 405-521-2782.
Oregon Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Oregon Division of Financial Regulation, https://dfr.oregon.gov/Pages/index.aspx, 888-877-4894 (OR only) or 503-378-4140.
Pennsylvania Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to Pennsylvania Department of Banking and Securities, https://www.dobs.pa.gov/Pages/default.aspx, 800-722-2657 or 800-600-0007.
Puerto Rico Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Puerto Rico Office of Commissioner of Financial Institutions, https://ocif.pr.gov/Pages/default.aspx, 787-723-3131.
Rhode Island Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Rhode Island Department of Business Regulation Division of Banking, https://dbr.ri.gov/divisions/banking/, 401-462-9503.
South Carolina Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the South Carolina Office of the Attorney General, http://www.scag.gov/, 803.734.3970.
South Dakota Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the South Dakota Division of Banking, https://dlr.sd.gov/banking/default.aspx, 605-773-3421.
Tennessee Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Tennessee Department of Financial Institutions, https://www.tn.gov/tdfi/, 800-778-4215.
Texas Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp at 1-855-383-7579, if you still have an unresolved complaint regarding the company's money transmission or currency exchange activity, your complaint can be directed to: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, 1-877-276-5554 , www.dob.texas.gov.
Utah Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Utah Department of Financial Institutions, https://dfi.utah.gov/, 801-538-8830.
Vermont Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Vermont Department of Financial Regulation, https://dfr.vermont.gov/, 802-828-3301.
US Virgin Islands Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to US Virgin Islands Division of Banking, Insurance, and Financial Regulation, https://ltg.gov.vi/departments/banking-insurance-and-financial-regulation/, 340.774.2991.
Virginia Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Virginia Bureau of Financial Institutions, https://scc.virginia.gov/pages/Bureau-of-Financial-Institutions, 804-371-9657.
Washington Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Washington Department of Financial Institutions, https://dfi.wa.gov/, 877-746-4334.
West Virginia Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the West Virginia Division of Financial Institutions, https://dfi.wv.gov/Pages/default.aspx, 304-558-2294.
Wisconsin Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579.
Wyoming Residents:
If you have a complaint, first contact the consumer assistance division of WorldRemit Corp. at 855-383-7579. If you still have an unresolved complaint regarding the company’s money transmission activity, your complaint can be directed to the Wyoming Department of Audit, http://audit.wyo.gov/, 307-777-6605.
13. GENERAL
13.1
Governing law: this Agreement will be governed by Delaware law and the
parties submit to the exclusive jurisdiction of the Delaware Courts.
13.2
No Waiver: The failure of WorldRemit to exercise or enforce any right
or provision of the Terms and Conditions shall not constitute a waiver
of such right or provision.
13.3 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.
13.4 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.
13.5 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.
13.6 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.
_________________________________
Security
We
take security very seriously at WorldRemit, and we work hard, using
state-of-the-art security measures, to make sure that your information
remains secure. The WorldRemit 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 WorldRemit,
which you suspect may be "phishing" (fake) emails, please forward them
to us using our contact form.
Contact Information
Questions, notices, and requests for refunds or further information should be sent to WorldRemit, as follows:
WorldRemit Corp.
600 17th Street,
Suite 200S
Denver CO 80202 or
Toll free # +1 855 383 7579
Contact us here
Website: www.worldremit.com
Colorado Division of Banking - Colorado Money Transmitters Act - Customer Notice
Entities
other than FDIC insured financial institutions that conduct money
transmission activities in Colorado, including the sale of money orders,
transfer of funds, and other instruments for the payment of money or
credit, are required to be licensed by the Colorado Division of Banking
pursuant to the Money Transmitters Act, Title 12, Article 52, Colorado
Revised Statutes.
May 2020