These Terms and Conditions, along with any forms, receipts, acknowledgements, or other documentation completed or used in connection with your use of the Services, including any pre-transaction or post-transaction disclosures, constitute the entire agreement " Agreement " between you, the individual purchaser of the Services " you " or " Sender " and MoneyGram. Additional information regarding the Services may be available and obtained online at moneygram. The Services, the underlying money transfer " Transfer " and certain aspects of the Services and Transfer including, but not limited to, Agent hours, Agent access, currencies held by an Agent, and the amount of a Transfer " Transfer Amount "may, as applicable, be delayed, restricted, forfeited, or ultimately unavailable due to certain laws and regulations governing our Services as well as certain circumstances and conditions associated with your use of the Services.

As a condition of your use of the Services, you consent to: You must use your User ID and a private security code created by you that permits access to your Profile your " Password "to initiate a Transfer.

You agree that your Password has the same effect as your written signature and can be used to authorize Transfers. You agree not to divulge your Password to any other person, and you agree not to use another person's User ID or Password. If, notwithstanding the foregoing prohibition, you give your Password to another person, you will be deemed to have authorized such person to use that Password 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 Password. You agree that, to the extent permitted by law, you will assume the entire risk for fraudulent or unintentional use of your Password and that neither MoneyGram 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 Password to any other person, including any losses or damages arising out of the disclosure of your Password by the recipient to another person.

Contact us AT ONCE at or email us through the "Contact Us" link on our Website at moneygram. Telephoning is the best way of minimizing your potential losses. You agree that these are reasonable procedures for sending and receiving electronic communications. In order to use either Service, you must be a United States resident; you must be at least 18 years of age; and you must apply to create an informational record that will be maintained by MoneyGram or its service providers based upon the information supplied by you a " Profile ".

You cannot send a Transfer on behalf of a third party. Other restrictions may apply. You can apply to create a Profile by entering the required information on the Website, establishing your User ID and Password, and agreeing to the terms of this Agreement.

If MoneyGram accepts your application, it will open your Profile and activate the Service s you have requested. Both your User ID and Password are highly confidential and should not be shared with any other party.

In an effort to combat money laundering activities and the funding of terrorism, the law requires a money transmitting institution such as MoneyGram to obtain, verify, and record information that identifies each person who registers at its Website and initiates a Transfer through its Service s.

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. We may also request other identifying documents or information. If you refuse or fail to provide the requested information, we may decline to create 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 representing that all of the information provided by you in your Profile or on our Website is accurate.

MoneyGram has the right to terminate your Profile and to refuse to process or may reverse any Transfer at any time, including but not limited to: You agree that neither MoneyGram nor any Agent or Service Provider will be held responsible or liable to you or any other person for such action except as required by law. For each Transfer you initiate for payment online you authorize MoneyGram or any party authorized by MoneyGram to debit from your bank account or debit card account, as applicable, or charge against your credit card account for the Transfer Amount you enter, plus any applicable fees, including the Transfer Fee, and charges.

Whether the Transfer is made by debit of your bank account, debit card account or credit card account, the funds or credit, as applicable, must be available in the account from which the Transfer is made. MoneyGram shall have no obligation to effect a Transfer unless sufficient funds are available in your bank account, debit card account or credit card account, as applicable, and neither MoneyGram 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.

MoneyGram may resubmit for collection any Automated Clearing House "ACH" debit authorized by you that is returned to it for any reason. You are responsible if MoneyGram makes a Transfer you request and, for any reason, MoneyGram is unable to collect the funds from your bank account, debit card account or credit card account as applicableor the Transfer is later reversed.

The individual designated by you to receive the Transfer " Receiver " may receive the funds sent by you at our Agents in Expected Destinations. As used herein, an " Expected Destination " generally means, for money transfer transactions from the United States that are to be received within the United States " Domestic Transfers "the State designated by you where the Receiver is to receive the Transfer within the United States or a State contiguous to such designated State; and for money transfer transactions sent from the United States that are to be received outside of the United States " International Transfers "the country or territory, as applicable, designated by you where the Receiver is to receive the Transfer.

Depending on the type of Service selected by you, the disbursement of the Transfer will generally occur in the form of cash, money order, check, account deposit, or a combination of these payout methods " Payout Methods ". Under certain circumstances, the Receiver may request a Payout Method that differs from the Payout Method you have selected and you authorize MoneyGram to honor the Receiver's election.

A Transfer is deemed disbursed by us and delivered, and we have no further liability to you, except as set forth below, when it is actually disbursed by our Agent or notice of the Transfer's disbursement is made available to us by the bank or account provider holding the account or their designee to the Receiver, international money transfer commonwealth bank to the Receiver Identification provisions herein.

Status tracking of a Transfer to an account may forex rates in tanzania today be available from us. Certain Expected Destinations may impose taxes, fees, and or tariffs upon the Receiver's receipt of, or access to, the Transfer. All fees charged by us as part of the Transfer " Transfer Fees " or " Consumer Fees "all taxes collected by us and charged to you as part of the Transfer " Transfer Taxes " and all applicable third party fees that are required to be disclosed to you " Other Fees " shall each be as identified on the applicable pre-transaction and post-transaction disclosures generated with your Transfer.

The financial institution that holds your bank account, debit card account or credit card account may impose fees earn money sms sending without invest connection with your purchase of a Service. 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 top 5 snl money makers card account, you will be subject to an additional fee.

Transactions which i exceed certain amounts; ii are to certain Expected Destinations; iii implicate any legal, compliance or other regulatory issues; or iv are sent through delayed delivery options may take longer than anticipated international money transfer commonwealth bank delivery, may be subject to dollar limits or may be subject to additional restrictions and may affect the ability for the Transfer to be disbursed.

At no time will either you or the Receiver have a deposit with MoneyGram. MoneyGram will usually make information concerning your payment available to a company that has authorized MoneyGram to accept payments on its behalf from consumers a " Biller " within ten 10 minutes after MoneyGram's receipt of your payment on a day other than a Saturday, Sunday or banking holiday, that banks in the United States are open for business to the public a " Business Day ". If your Transfer occurs after MoneyGram has no control over the time the Biller credits the payment to your account.

Posting time will vary from Biller to Biller. Check with your Biller for payment posting times. If it is important that your Biller receive same day notice of your payment please go to a MoneyGram Location. Notice of ExpressPayment transfer payments made at a MoneyGram location can usually be made available to your Biller within ten 10 minutes after your payment is made.

Subject to applicable law, i your Transfer may be cancelled for a refund of the Transfer Amount, unless the Transfer has been disbursed or deposited by us at the time we received your cancellation request and ii except as described below, the Transfer Fees associated with your Transfer are usually not refundable.

To cancel a Transfer or request a refund, contact the MoneyGram Online Electronic Operations Center through the Website or via phone at All refund requests for Domestic Transfers will be subject to MoneyGram's review and discretion and will normally medical typing jobs working from home processed within thirty 30 days of receipt of a valid written request unless a shorter period is required by law.

Effective October 28, i International Transfers may be cancelled for a full refund of the Transfer Amount and all Transfer Fees or Transfer Taxes paid by you within thirty 30 minutes after you have made the payment for the Transfer, unless such International Transfer has already been disbursed by us at the time of such oral or written cancellation request and ii you may be entitled to a full refund of the Transfer Amount and all Transfer Fees or Transfer Taxes paid by you if an error has occurred as set forth above or as otherwise provided under applicable law.

Your rights regarding the Transfer are further explained under the applicable disclosures generated in connection with such International Transfer. If MoneyGram determines that you are entitled to a refund, it will be credited to your original funding source, which may be your bank account, debit card account or credit card account, as applicable.

The following provision only applies to transfers in the US and Commonwealth of Puerto Rico: If you ask us to make a Transfer to be collected in cash and the Transfer amount has not been collected within 90 days, we will treat the Transfer as no longer capable of execution an "Expired Transfer".

We will have no obligation, after that 90 day period, to execute an Expired Transfer. If an Expired Transfer occurs, you will be entitled to a refund of the amount of the Expired Transfer. If you become aware that a transferred amount has not been collected please contact us to ask for a refund.

In some Agent locations, the Receiver may also be required to provide a test question answer, instead of ID, to receive the Transfer.

Test questions may not be available in certain Agent locations or Expected Destinations. While you will receive a reference number that corresponds to your Transfer "Reference Number"such Reference Number super forex trading system not always required to receive a Transfer where other identification means such as ID receipt review of binary options grand capital test questions are utilized.

MoneyGram shall not have any liability in the event that the Transfer is disbursed, when and as applicable, to an individual who properly answers a test question, provides ID to the Agent describing such person as the Receiver even if such ID was false or forgedor provides the Reference Number.

Records of all Transfers involving your Profile will be posted and updated on the Website on a continuing basis. You may access these records at any time by logging in and forex trading example tutorial pdf on the My Account link found at moneygram. In addition to the Transfer Fees applicable to your Transfer, if the Transfer is an International Transfer, a currency exchange rate may be applied.

United States currency is converted to a foreign currency at an exchange rate set by us " Exchange Rate ". The Exchange Rate described on any pre-transaction and post-transaction disclosures provided by MoneyGram to you has been rounded to the number of decimal places identified on such disclosures. The number of decimal places used by MoneyGram to convert the currency into foreign currency may be greater than that displayed on the disclosures.

Payouts will generally be made in the national currency of the Expected Destination " Local Currency ". In some countries or territories you may designate a payout currency other than the Local Currency. The payout currency, whether expressed in the Local Currency or otherwise, shall be reflected in the pre-transaction and post-transaction disclosures. Because not all currencies are available in all Agent locations, please ask an Agent or contact us by visiting moneygram.

To the extent allowed by law, MoneyGram 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 attorneys' fees. To the extent allowed by law, you agree to hold MoneyGram 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 attorneys' fees.

You may be reported to a collection agency or credit bureau if you do not pay for any Transfer or Transfer Fee you have authorized in accordance with this agreement. This Agreement is governed by Minnesota law without regard to its conflicts of law rules, supersedes all prior agreements or understandings between you and MoneyGram, and cannot be modified orally. In the event of any conflict between the English version of our Agreement with you and any non-English version, the English version shall control and govern.

Services are directed to persons 18 years and over, may not be used for escrow purposes or gambling, and may only be used for a lawful purpose.

You shall indemnify MoneyGram and its Agents for all losses of any kind including attorney's fees arising out of any breach of the Agreement by you or by the Receiver. MoneyGram may refuse to provide Services to any person.

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. MoneyGram may disclose your personal information to third parties as outlined in the MoneyGram Privacy Statement, which is available on our website at www.

Disclosed information may include, but is not limited to, your contact information, your identification, information about the Transfer or your use of the Services, or other information relating to financial matters. The information may be disclosed to financial institutions, our Agents, our service providers, or governmental or other regulatory agencies including law enforcement officials within or outside of the United Statesand direct marketers.

To opt out of receiving information about our products and services, email marketingpreferences moneygram.

International money transfer - Commonwealth Bank Group

To help protect your personal information, we endeavor to use reasonable security measures. Massachusetts Check Seller License CS, Foreign Transmittal License FT, NMLS For Information about other state licenses held by MoneyGram, please click here. Texas customers click here for information about filing complaints about our money transmission services. Log In Sign Up. Electronic Consent and Communications As a condition of your use of the Services, you consent to: Signing Up to Use the Services.

Eligible Users In order to use either Service, you must be a United States resident; you must be at least 18 years of age; and you must apply to create an informational record that will be maintained by MoneyGram or its service providers based upon the information supplied by you a " Profile ".

Verification of Information In an effort to combat money laundering activities and the funding of terrorism, the law requires a money transmitting institution such as MoneyGram to obtain, verify, and record information that identifies each person who registers at its Website and initiates a Transfer through its Service s.

Receive Information The individual designated by you to receive the Transfer " Receiver " may receive the funds sent by you at our Agents in Expected Destinations. Refund Information Subject to applicable law, i your Transfer may be cancelled for a refund of the Transfer Amount, unless the Transfer has been disbursed or deposited by us at the time we received your cancellation request and ii except as described below, the Transfer Fees associated with your Transfer are usually not refundable.

EXPIRED TRANSFERS The following provision only applies to transfers in the US and Commonwealth of Puerto Rico: Exchange Rate; Currency Availability In addition to the Transfer Fees applicable to your Transfer, if the Transfer is an International Transfer, a currency exchange rate may be applied.

International Money Transfer and travel

Your Other Financial Obligations To the extent allowed by law, MoneyGram 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 attorneys' fees.

General This Agreement is governed by Minnesota law without regard to its conflicts of law rules, supersedes all prior agreements or understandings between you and MoneyGram, and cannot be modified orally. Change in Terms 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.

Privacy Notice MoneyGram may disclose your personal information to third parties as outlined in the MoneyGram Privacy Statement, which is available on our website at www. Privacy Policy MoneyGram.

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Licensed by the Georgia Department of Banking and Finance; NMLS For Information about other state licenses held by MoneyGram, please click here Texas customers click here for information about filing complaints about our money transmission services.