Terms of Transfer
DFLB SERVICES, AN ESCROW SERVICE PROVIDER. CUSTOMERS AND RECEIVERS AGREES TO USE SERVICES FOR ESCROW PURPOSES.
THE SERVICES, AS DEFINED BELOW, ARE PROVIDED TO YOU SUBJECT TO THE FULL TERMS AND CONDITIONS AND APPLICABLE LAW.
1. WHEN YOU SEND MONEY WITHIN SWITZERLAND, CANADA, U.S. OR ITS TERRITORIES DFLB SERVICES® MONEY TRANSFER SERVICES (COLLECTIVELY, THE “SERVICE(S)”) ARE PROVIDED BY DFLB SERVICES FINANCIAL SERVICES, INC. (“DFLB SERVICES”; NMLS: 1005422). WHEN YOU SEND MONEY OUTSIDE SWITZERLAND, CANADA, U.S. SERVICES ARE PROVIDED JOINTLY BY DFLB SERVICESAND DFLB SERVICESINTERNATIONAL SERVICES, LLC (“DFLB SERVICES IS”; NMLS: 1005422). THE PORTION OF THE SERVICES ARE TYPICALLY PROVIDED THROUGH DFLB SERVICES AGENT. DFLB SERVICES ALSO PROVIDES THE NON-U.S. PORTION OF THE SERVICES. ALL PORTIONS OF THE SERVICES (U.S. AND NON-U.S.) ARE SUBJECT TO THESE TERMS AND CONDITIONS (“AGREEMENT”) AND APPLICABLE LAW.
Additional information regarding the Services may be obtained in this Agreement, at DFLB Services.ch, depending on the Services you choose. As used in this Agreement, “DFLB Services” or “DFLB Services” refers toDFLB Services for transactions sent within the SWITZERLAND, CANADA and the U.S., and DFLB Services and DFLB Services for transactions sent outside of SWITZERLAND, CANADA and the U.S., and “Agent(s)” refers to U.S. agents of DFLB Services and/or international agents or representatives of DFLB Services, as applicable. Service and funds availability depend on certain factors including the Service selected, the selection of delayed delivery options, special terms applicable to each Service, amount sent, destination country, currency availability, regulatory or consumer protection issues, identification requirements, Money Order Certificate requirement, CBOB Certificate requirement, IMF certificate requirement, delivery restrictions, agent location hours, and differences in time zones.
“Receiver(s)” or “Final Receiver(s)” means the recipient designated by the consumer (“You” or “Your”) to receive funds sent by You in the Expected Payout Bank (“EPL”). For transactions sent within SWITZERLAND, CANADA and the U.S., EPL generally means any Agent location in the destination country or U.S. territory You identify. For transactions sent outside SWITZERLAND, CANADA and the U.S., EPL generally means any Agent location in the destination country You identify. The Services offered by Telecomunicaciones de Mexico (“Telecomm”) are only available at Telecomm locations. Receivers will normally receive funds in their respective bank accounts, cash, check, or a combination thereof; with some Services, funds may be credited to a bank account, prepaid, debit or credit card (“Card(s)”), mobile wallet (“MWallet(s)”) if applicable to your location, or similar account (collectively, “Account(s)”). Receiver may be able to elect a payout method that differs from the payout method You specify; You authorize DFLB Services to honor Receiver’s election of payout method. Receivers who choose to receive funds through a payout method other than wire transfer, cash delivery or in a currency other than the one You selected may incur additional fees to access funds. Certain countries and/or jurisdictions may impose a tax, fee and/or tariff on Receiver’s receipt of, or access to, transferred funds. Transactions may be reported to applicable authorities. Messaging and notification services may be included for additional fees. In some countries Receiver may be required to provide identification, Test questions are additional security feature and can be used to time or delay the payment of a transaction and are prohibited in certain countries.
DFLB Services RELIES ON THE INFORMATION YOU PROVIDE US TO SEND MONEY. PLEASE REVIEW ALL TRANSACTION DETAILS FOR ACCURACY BEFORE CONTINUING YOUR TRANSACTION.
2. ADMINISTRATION CHARGE: Pending Transactions charges within 24 hours of the send date will be assessed a non-refundable administration charge of up to $0.05 percent from the send date, not to exceed $10,000.00, which will be deducted from the amount sent (or where such charge exceeds the maximum amount permitted by law, the maximum amount permitted by law).
3. SPECIAL TERMS FOR INTERNATIONAL TRANSACTIONS: Notwithstanding the foregoing, and subject to applicable law, international transactions may be unsuccessful, pending or cancelled. REASONS FOR UNSUCCESSFUL TRANSACTIONS ON HOLD WITHIN 24 HOURS OF SENDING, may be due to your uncompleted document submits, therefore you are urged to re-verify the cause. A full refund of the transfer amount and fees paid within 30 minutes of payment, unless the funds have been withdrew up or deposited. You may also receive a full refund in certain circumstances if You successfully assert an error or as otherwise provided under applicable law.
4. RESOLUTION OF DISPUTES: Unless You opt out as set forth below, any dispute arising from or relating to this transaction shall be resolved by final and binding arbitration. The arbitrator shall also decide what is subject to arbitration. The arbitration will be administered by National Arbitration and Mediation (“NAM”) under its Comprehensive Dispute Resolution Rules and Procedures or by writing to arbitration@andrewsbank.ch, and explain how to initiate arbitration. You will be responsible for up to $1025 of the administration fees. DFLB Services may reduce this amount if You demonstrate hardship. This Agreement is governed by the Federal Arbitration Act, and any award shall be subject to judicial confirmation. Any arbitration shall take place on an individual basis; class actions or arbitrations are not permitted. If any part of this paragraph is deemed invalid, it shall not invalidate the other parts. If NAM is unavailable, the parties or a court will select another arbitrator. You may opt out of arbitration within 30 days after initiating a transaction by calling 1-800-385-1000 (DFLB Services). IF YOU DO NOT OPT OUT, YOU WILL WAIVE ANY RIGHT TO A TRIAL BY JURY OR JUDGE IN COURT AND ANY RIGHT TO PARTICIPATE IN A CLASS ACTION.
5. LIMITATIONS OF LIABILITY: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: (1) IN NO EVENT SHALL DFLB Services BE LIABLE FOR DAMAGES WHETHER CAUSED BY NEGLIGENCE ON THE PART OF ITS EMPLOYEES, SUPPLIERS OR AGENTS OR BEYOND and (2) IN NO EVENT SHALL DFLB Services EMPLOYEES OR ITS AGENTS RESERVES THE RIGHTS TO DEDUCT, MAKE PAYMENTS, SENDING BILLING, BILLINGS FROM & WITHIN THE BANK, DIRECT OR INDIRECT UNLESS BY DEBIT SUBSCRIBED BY THE BANK INTERNAL SUBSCRIPTION: (3) OF NO EVENT SHALL BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR THE LIKE.
6. INTERNATIONAL TRANSACTIONS, CURRENCY EXCHANGE: When You send money outside SWITZERLAND, CANADA and the U.S., You are contracting with both DFLB Services and DFLB Services, which are conducting two separate money transfer transactions in order to make the money available to Final Receiver. In the first transaction, You are engaging DFLB Services and its Agents to collect Your money and make it available to DFLB Services. In the second transaction, You are engaging DFLB Services to convert Your money into the correct currency and make the funds available to Final Receivers outside the U.S. In addition to the transfer fees, which are charged by DFLB Services, a currency exchange rate will be applied. U.S. currency is converted to foreign currency at an exchange rate set by DFLB Services unless the laws of the EPL do not permit DFLB Services to set an exchange rate. Any difference between the rate given to You and the rate received by DFLB Services will be kept by DFLB Services (and, in some cases, its Agents) in addition to the transfer fees. Subject to applicable law, the actual or estimated currency exchange rate applicable to Your transaction will be provided on the written disclosures provided to You by DFLB Services. Payouts will generally be made in the national currency of the EPL (“Local Currency”). In some countries, You may designate a payout currency other than the Local Currency; however, the alternate currency You choose may not be available at all Agent locations. DFLB Services is not responsible for the currency exchange rate that will be applied if the Final Receiver chooses to receive a currency other than the currency You selected.
7. SPECIAL TERMS FOR TRANSACTIONS TO ACCOUNTS: Where available, DFLB Services may allow You to credit a Receiver’s Account. The Account provider may impose additional fees on Receiver for receiving the funds into an Account. Unless required by applicable law, DFLB Services accepts no responsibility to You nor to any Account holder, for any fees imposed on Receiver by the Account provider. If the currency You select to send to an Account is not the currency in which the Account is denominated, the Account provider may convert the funds at its own currency exchange rate or reject the transaction. Receiver’s agreement with the Account provider governs Receiver’s rights, liabilities and fees (including fees to transfer cash out of a Card or MWallet), and the Account provider may impose its own restrictions regarding funds availability, limits that may be transferred to or held in Accounts, hours of operations, holidays or other limitations. In most cases, Receiver must be enrolled in a Card or MWallet program in order to receive a transaction. A Receiver who is not enrolled in a Card or MWallet program may be able to receive funds at an Agent location and may be subject to additional requirements. DFLB Services may make money from fees associated with use of a Card or MWallet. Neither DFLB Services, nor its Agents, endorse or recommend the services of any Card or MWallet provider.
IMPORTANT NOTICE FOR TRANSACTIONS TO “ACCOUNTS” (AS DEFINED ABOVE): PLEASE MAKE SURE THE ACCOUNT NUMBER, BANK DETAILS, CURRENCY SELECTED, AND/OR CARD OR MOBILE PHONE NUMBER ARE CORRECT BEFORE SENDING. OTHERWISE, MONEY MAY BE SENT TO THE WRONG ACCOUNT AND MAY NOT BE RECOVERED.
8. SPECIAL TERMS FOR TRANSACTIONS FROM ACCOUNTS: Where available, DFLB Services may allow You to pay for the Services by using an Account. The bank or other provider of an Account, including card issuers (the “Account Provider”) may impose additional fees on Your Account. The agreement with the Account Provider governs use of an Account and provides the rights and liabilities of the holder of the Account. Unless required by applicable law, DFLB Services accepts no responsibility to You or any Account holder for any fees imposed by an Account Provider. If the currency You select for Your transactions is not the currency in which an Account is denominated, the Account Provider may convert the funds at its own currency exchange rate or reject the transfers. Your use of an Account must be limited to company, personal or individual use only and not for use by or on behalf of any business or legal entity. DFLB Services may use the Automated Clearing House (“ACH”) network, book transfer, electronic funds transfer, wire transfer or other methods to process transactions relating to an Account. DFLB Services is not responsible for actions taken by the Account Provider, such as improperly posting the transactions. The total due is payable before DFLB Services processes the transactions. If DFLB Services does not receive authorization from the Account Provider, the transactions will not be processed, and funds will not be transmitted to the Final Receiver. Each time You use your Account to pay for Services, You agree that DFLB Services is authorized to charge Your Account for the total disclosed to You relating to the transactions.
IMPORTANT NOTICE FOR USING YOUR ACCOUNT TO PAY FOR THE TRANSACTIONS: By initiating the transactions from an Account, You (i) affirm You are the owner of the Account and have authority to initiate the transaction and (ii) authorize DFLB Services to initiate electronic debits and credits to Your Account to process and correct errors and resubmit the debit or credit, according to applicable rules, if a transaction cannot be completed after meeting with the requirements. DFLB Services may by law be liable for damages caused by its failure to credit or debit Your Account in accordance with these terms and conditions, in the correct amount or in a timely manner when properly instructed by You. However, DFLB Services will not be liable where: (1) You do not have enough money available in Your Account; (2) Your Account is closed or withdrawals restricted; (3) "KYC" KNOW YOUR CUSTOMER; Your account has not been verify for international transactions (4) You have not acquired the Money Order Certificate (5) (BTRAC) CANADA TRANSACTION REPORT & ANALYSIS CENTER, (CBOB) CENTRAL BANK OF CANADA, (IMF) INTERNATIONAL MONETARY FUND, (MFS), (BAFC) CANADA APPROVE FUND CERTIFICATE have not been confirmed. (6) the transaction exceeds dollar or frequency limitations imposed by DFLB Services, Intermediary Bank or Your Account Provider; (7) circumstances beyond DFLB Services’s control (such as flood, fire, power outages, mechanical or system failures); (8) Your Account Provider, does not honor the transactions, the transactions are not processed or the transactions are returned by Your Account Provider; (9) Your instructions are lost or delayed in transmission to DFLB Services; (10) DFLB Services fails to process your transactions because of a reasonable security concern or the Service option has been discontinued or suspended, or DFLB Services otherwise advised You that Your request will not be processed or require that you provide a backup documents; and (11) other exceptions allowed by applicable law.
NAMES OF FINANCIAL INSTITUTION FOR CERTIFICATE ISSUANCE THAT MAY BE APPLICATION FOR YOUR TRANSACTION, THESE INCLUDE;
BTRAC= CANADA TRANSACTION REPORT & ANALYSIS CENTER, CBOB= CENTRAL BANK OF CANADA, MOC= MONEY ORDER CERTIFICATE, MOA= MONEY ORDER AFFIDAVIT, IMF= INTERNATIONAL MONETARY FUND, MMG= MMG FUND SERVICES, BAFC= CANADA APPROVE FUND CERTIFICATE.
9. IDENTITY AND LOCATION VERIFICATION: YOU AUTHORIZE DFLB Services TO REQUEST YOUR MOBILE CARRIER TO USE YOUR MOBILE SUBSCRIBER DETAILS FOR VERIFYING YOUR IDENTITY. THOSE DETAILS MAY INCLUDE NAME, BILLING ADDRESS, EMAIL, AND PHONE NUMBER. THIS INFORMATION MAY ALSO INCLUDE LOCATION INFORMATION, IF AVAILABLE.
10. USE OF THE DFLB Services WEBSITE, MOBILE DEVICE AND TABLET SERVICES:
A. LOCATION BASED SERVICES: You acknowledge and authorize that information concerning the location of your mobile device, tablet or computer may be used to assess location. Location may be obtained at any time while logged into the website, mobile and tablet device sites and applications (the “Website”). You expressly agree that You authorize DFLB Services to collect and use Your location as a part of the DFLB Services Website and eligibility for use of the Website.
B. INTELLECTUAL PROPERTY: The DFLB Services Website, the Services, the content, and all intellectual property therein (including but not limited to authors, patents, database rights, trademarks and service marks) are owned by DFLB Services, its affiliates or third parties, and all right, title and interest therein and thereto shall remain the property of , its affiliates and/or such third parties. The Website and Services may be used only for the purpose permitted by these Terms and Conditions. You may view and retain a copy of the pages of the Website only for Your own personal, non-commercial use. You may not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit the Website, the Service or any portion thereof for any public or commercial use without the express written consent of DFLB Services. You shall not (i) use any robot, spider, scraper or other automated device to access the Website or Service; or (ii) remove or alter any author, trademark or other proprietary notice or legend displayed on the Website (or printed pages thereof). The name and other names and indicia of ownership of the Services are the exclusive marks of DFLB Services or other third parties. Other product, service and company names appearing on the Website may be trademarks of their owners.
C. LINKS TO OTHER SITES: The Website may contain links and pointers to other World Wide Web Internet sites and resources (the “Linked Sites”). Links to any Linked Site do not constitute an endorsement by or association with DFLB Services or any of its affiliates. Links do not imply that DFLB Services is associated with or legally authorized to use any trademark, trade name, logo or author symbol displayed in or accessible through the links, or that any Linked Sites are authorized to use any trademark, trade name, logo or author symbol of DFLB Services or any of its affiliates. You should direct any concerns regarding any Linked Site to such Linked Site’s site administrator or webmaster. DFLB Services does not represent or endorse the accuracy or reliability of, and expressly disclaims, any advice, opinion, statement, or other information displayed or distributed through any Linked Site. You agree that reliance upon any opinion, advice, or information displayed on or otherwise available through any Linked Site shall be at Your sole risk.
THE SERVICES, AS DEFINED BELOW, ARE PROVIDED TO YOU SUBJECT TO THE FULL TERMS AND CONDITIONS AND APPLICABLE LAW.
1. WHEN YOU SEND MONEY WITHIN SWITZERLAND, CANADA, U.S. OR ITS TERRITORIES DFLB SERVICES® MONEY TRANSFER SERVICES (COLLECTIVELY, THE “SERVICE(S)”) ARE PROVIDED BY DFLB SERVICES FINANCIAL SERVICES, INC. (“DFLB SERVICES”; NMLS: 1005422). WHEN YOU SEND MONEY OUTSIDE SWITZERLAND, CANADA, U.S. SERVICES ARE PROVIDED JOINTLY BY DFLB SERVICESAND DFLB SERVICESINTERNATIONAL SERVICES, LLC (“DFLB SERVICES IS”; NMLS: 1005422). THE PORTION OF THE SERVICES ARE TYPICALLY PROVIDED THROUGH DFLB SERVICES AGENT. DFLB SERVICES ALSO PROVIDES THE NON-U.S. PORTION OF THE SERVICES. ALL PORTIONS OF THE SERVICES (U.S. AND NON-U.S.) ARE SUBJECT TO THESE TERMS AND CONDITIONS (“AGREEMENT”) AND APPLICABLE LAW.
Additional information regarding the Services may be obtained in this Agreement, at DFLB Services.ch, depending on the Services you choose. As used in this Agreement, “DFLB Services” or “DFLB Services” refers toDFLB Services for transactions sent within the SWITZERLAND, CANADA and the U.S., and DFLB Services and DFLB Services for transactions sent outside of SWITZERLAND, CANADA and the U.S., and “Agent(s)” refers to U.S. agents of DFLB Services and/or international agents or representatives of DFLB Services, as applicable. Service and funds availability depend on certain factors including the Service selected, the selection of delayed delivery options, special terms applicable to each Service, amount sent, destination country, currency availability, regulatory or consumer protection issues, identification requirements, Money Order Certificate requirement, CBOB Certificate requirement, IMF certificate requirement, delivery restrictions, agent location hours, and differences in time zones.
“Receiver(s)” or “Final Receiver(s)” means the recipient designated by the consumer (“You” or “Your”) to receive funds sent by You in the Expected Payout Bank (“EPL”). For transactions sent within SWITZERLAND, CANADA and the U.S., EPL generally means any Agent location in the destination country or U.S. territory You identify. For transactions sent outside SWITZERLAND, CANADA and the U.S., EPL generally means any Agent location in the destination country You identify. The Services offered by Telecomunicaciones de Mexico (“Telecomm”) are only available at Telecomm locations. Receivers will normally receive funds in their respective bank accounts, cash, check, or a combination thereof; with some Services, funds may be credited to a bank account, prepaid, debit or credit card (“Card(s)”), mobile wallet (“MWallet(s)”) if applicable to your location, or similar account (collectively, “Account(s)”). Receiver may be able to elect a payout method that differs from the payout method You specify; You authorize DFLB Services to honor Receiver’s election of payout method. Receivers who choose to receive funds through a payout method other than wire transfer, cash delivery or in a currency other than the one You selected may incur additional fees to access funds. Certain countries and/or jurisdictions may impose a tax, fee and/or tariff on Receiver’s receipt of, or access to, transferred funds. Transactions may be reported to applicable authorities. Messaging and notification services may be included for additional fees. In some countries Receiver may be required to provide identification, Test questions are additional security feature and can be used to time or delay the payment of a transaction and are prohibited in certain countries.
DFLB Services RELIES ON THE INFORMATION YOU PROVIDE US TO SEND MONEY. PLEASE REVIEW ALL TRANSACTION DETAILS FOR ACCURACY BEFORE CONTINUING YOUR TRANSACTION.
2. ADMINISTRATION CHARGE: Pending Transactions charges within 24 hours of the send date will be assessed a non-refundable administration charge of up to $0.05 percent from the send date, not to exceed $10,000.00, which will be deducted from the amount sent (or where such charge exceeds the maximum amount permitted by law, the maximum amount permitted by law).
3. SPECIAL TERMS FOR INTERNATIONAL TRANSACTIONS: Notwithstanding the foregoing, and subject to applicable law, international transactions may be unsuccessful, pending or cancelled. REASONS FOR UNSUCCESSFUL TRANSACTIONS ON HOLD WITHIN 24 HOURS OF SENDING, may be due to your uncompleted document submits, therefore you are urged to re-verify the cause. A full refund of the transfer amount and fees paid within 30 minutes of payment, unless the funds have been withdrew up or deposited. You may also receive a full refund in certain circumstances if You successfully assert an error or as otherwise provided under applicable law.
4. RESOLUTION OF DISPUTES: Unless You opt out as set forth below, any dispute arising from or relating to this transaction shall be resolved by final and binding arbitration. The arbitrator shall also decide what is subject to arbitration. The arbitration will be administered by National Arbitration and Mediation (“NAM”) under its Comprehensive Dispute Resolution Rules and Procedures or by writing to arbitration@andrewsbank.ch, and explain how to initiate arbitration. You will be responsible for up to $1025 of the administration fees. DFLB Services may reduce this amount if You demonstrate hardship. This Agreement is governed by the Federal Arbitration Act, and any award shall be subject to judicial confirmation. Any arbitration shall take place on an individual basis; class actions or arbitrations are not permitted. If any part of this paragraph is deemed invalid, it shall not invalidate the other parts. If NAM is unavailable, the parties or a court will select another arbitrator. You may opt out of arbitration within 30 days after initiating a transaction by calling 1-800-385-1000 (DFLB Services). IF YOU DO NOT OPT OUT, YOU WILL WAIVE ANY RIGHT TO A TRIAL BY JURY OR JUDGE IN COURT AND ANY RIGHT TO PARTICIPATE IN A CLASS ACTION.
5. LIMITATIONS OF LIABILITY: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: (1) IN NO EVENT SHALL DFLB Services BE LIABLE FOR DAMAGES WHETHER CAUSED BY NEGLIGENCE ON THE PART OF ITS EMPLOYEES, SUPPLIERS OR AGENTS OR BEYOND and (2) IN NO EVENT SHALL DFLB Services EMPLOYEES OR ITS AGENTS RESERVES THE RIGHTS TO DEDUCT, MAKE PAYMENTS, SENDING BILLING, BILLINGS FROM & WITHIN THE BANK, DIRECT OR INDIRECT UNLESS BY DEBIT SUBSCRIBED BY THE BANK INTERNAL SUBSCRIPTION: (3) OF NO EVENT SHALL BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR THE LIKE.
6. INTERNATIONAL TRANSACTIONS, CURRENCY EXCHANGE: When You send money outside SWITZERLAND, CANADA and the U.S., You are contracting with both DFLB Services and DFLB Services, which are conducting two separate money transfer transactions in order to make the money available to Final Receiver. In the first transaction, You are engaging DFLB Services and its Agents to collect Your money and make it available to DFLB Services. In the second transaction, You are engaging DFLB Services to convert Your money into the correct currency and make the funds available to Final Receivers outside the U.S. In addition to the transfer fees, which are charged by DFLB Services, a currency exchange rate will be applied. U.S. currency is converted to foreign currency at an exchange rate set by DFLB Services unless the laws of the EPL do not permit DFLB Services to set an exchange rate. Any difference between the rate given to You and the rate received by DFLB Services will be kept by DFLB Services (and, in some cases, its Agents) in addition to the transfer fees. Subject to applicable law, the actual or estimated currency exchange rate applicable to Your transaction will be provided on the written disclosures provided to You by DFLB Services. Payouts will generally be made in the national currency of the EPL (“Local Currency”). In some countries, You may designate a payout currency other than the Local Currency; however, the alternate currency You choose may not be available at all Agent locations. DFLB Services is not responsible for the currency exchange rate that will be applied if the Final Receiver chooses to receive a currency other than the currency You selected.
7. SPECIAL TERMS FOR TRANSACTIONS TO ACCOUNTS: Where available, DFLB Services may allow You to credit a Receiver’s Account. The Account provider may impose additional fees on Receiver for receiving the funds into an Account. Unless required by applicable law, DFLB Services accepts no responsibility to You nor to any Account holder, for any fees imposed on Receiver by the Account provider. If the currency You select to send to an Account is not the currency in which the Account is denominated, the Account provider may convert the funds at its own currency exchange rate or reject the transaction. Receiver’s agreement with the Account provider governs Receiver’s rights, liabilities and fees (including fees to transfer cash out of a Card or MWallet), and the Account provider may impose its own restrictions regarding funds availability, limits that may be transferred to or held in Accounts, hours of operations, holidays or other limitations. In most cases, Receiver must be enrolled in a Card or MWallet program in order to receive a transaction. A Receiver who is not enrolled in a Card or MWallet program may be able to receive funds at an Agent location and may be subject to additional requirements. DFLB Services may make money from fees associated with use of a Card or MWallet. Neither DFLB Services, nor its Agents, endorse or recommend the services of any Card or MWallet provider.
IMPORTANT NOTICE FOR TRANSACTIONS TO “ACCOUNTS” (AS DEFINED ABOVE): PLEASE MAKE SURE THE ACCOUNT NUMBER, BANK DETAILS, CURRENCY SELECTED, AND/OR CARD OR MOBILE PHONE NUMBER ARE CORRECT BEFORE SENDING. OTHERWISE, MONEY MAY BE SENT TO THE WRONG ACCOUNT AND MAY NOT BE RECOVERED.
8. SPECIAL TERMS FOR TRANSACTIONS FROM ACCOUNTS: Where available, DFLB Services may allow You to pay for the Services by using an Account. The bank or other provider of an Account, including card issuers (the “Account Provider”) may impose additional fees on Your Account. The agreement with the Account Provider governs use of an Account and provides the rights and liabilities of the holder of the Account. Unless required by applicable law, DFLB Services accepts no responsibility to You or any Account holder for any fees imposed by an Account Provider. If the currency You select for Your transactions is not the currency in which an Account is denominated, the Account Provider may convert the funds at its own currency exchange rate or reject the transfers. Your use of an Account must be limited to company, personal or individual use only and not for use by or on behalf of any business or legal entity. DFLB Services may use the Automated Clearing House (“ACH”) network, book transfer, electronic funds transfer, wire transfer or other methods to process transactions relating to an Account. DFLB Services is not responsible for actions taken by the Account Provider, such as improperly posting the transactions. The total due is payable before DFLB Services processes the transactions. If DFLB Services does not receive authorization from the Account Provider, the transactions will not be processed, and funds will not be transmitted to the Final Receiver. Each time You use your Account to pay for Services, You agree that DFLB Services is authorized to charge Your Account for the total disclosed to You relating to the transactions.
IMPORTANT NOTICE FOR USING YOUR ACCOUNT TO PAY FOR THE TRANSACTIONS: By initiating the transactions from an Account, You (i) affirm You are the owner of the Account and have authority to initiate the transaction and (ii) authorize DFLB Services to initiate electronic debits and credits to Your Account to process and correct errors and resubmit the debit or credit, according to applicable rules, if a transaction cannot be completed after meeting with the requirements. DFLB Services may by law be liable for damages caused by its failure to credit or debit Your Account in accordance with these terms and conditions, in the correct amount or in a timely manner when properly instructed by You. However, DFLB Services will not be liable where: (1) You do not have enough money available in Your Account; (2) Your Account is closed or withdrawals restricted; (3) "KYC" KNOW YOUR CUSTOMER; Your account has not been verify for international transactions (4) You have not acquired the Money Order Certificate (5) (BTRAC) CANADA TRANSACTION REPORT & ANALYSIS CENTER, (CBOB) CENTRAL BANK OF CANADA, (IMF) INTERNATIONAL MONETARY FUND, (MFS), (BAFC) CANADA APPROVE FUND CERTIFICATE have not been confirmed. (6) the transaction exceeds dollar or frequency limitations imposed by DFLB Services, Intermediary Bank or Your Account Provider; (7) circumstances beyond DFLB Services’s control (such as flood, fire, power outages, mechanical or system failures); (8) Your Account Provider, does not honor the transactions, the transactions are not processed or the transactions are returned by Your Account Provider; (9) Your instructions are lost or delayed in transmission to DFLB Services; (10) DFLB Services fails to process your transactions because of a reasonable security concern or the Service option has been discontinued or suspended, or DFLB Services otherwise advised You that Your request will not be processed or require that you provide a backup documents; and (11) other exceptions allowed by applicable law.
NAMES OF FINANCIAL INSTITUTION FOR CERTIFICATE ISSUANCE THAT MAY BE APPLICATION FOR YOUR TRANSACTION, THESE INCLUDE;
BTRAC= CANADA TRANSACTION REPORT & ANALYSIS CENTER, CBOB= CENTRAL BANK OF CANADA, MOC= MONEY ORDER CERTIFICATE, MOA= MONEY ORDER AFFIDAVIT, IMF= INTERNATIONAL MONETARY FUND, MMG= MMG FUND SERVICES, BAFC= CANADA APPROVE FUND CERTIFICATE.
9. IDENTITY AND LOCATION VERIFICATION: YOU AUTHORIZE DFLB Services TO REQUEST YOUR MOBILE CARRIER TO USE YOUR MOBILE SUBSCRIBER DETAILS FOR VERIFYING YOUR IDENTITY. THOSE DETAILS MAY INCLUDE NAME, BILLING ADDRESS, EMAIL, AND PHONE NUMBER. THIS INFORMATION MAY ALSO INCLUDE LOCATION INFORMATION, IF AVAILABLE.
10. USE OF THE DFLB Services WEBSITE, MOBILE DEVICE AND TABLET SERVICES:
A. LOCATION BASED SERVICES: You acknowledge and authorize that information concerning the location of your mobile device, tablet or computer may be used to assess location. Location may be obtained at any time while logged into the website, mobile and tablet device sites and applications (the “Website”). You expressly agree that You authorize DFLB Services to collect and use Your location as a part of the DFLB Services Website and eligibility for use of the Website.
B. INTELLECTUAL PROPERTY: The DFLB Services Website, the Services, the content, and all intellectual property therein (including but not limited to authors, patents, database rights, trademarks and service marks) are owned by DFLB Services, its affiliates or third parties, and all right, title and interest therein and thereto shall remain the property of , its affiliates and/or such third parties. The Website and Services may be used only for the purpose permitted by these Terms and Conditions. You may view and retain a copy of the pages of the Website only for Your own personal, non-commercial use. You may not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit the Website, the Service or any portion thereof for any public or commercial use without the express written consent of DFLB Services. You shall not (i) use any robot, spider, scraper or other automated device to access the Website or Service; or (ii) remove or alter any author, trademark or other proprietary notice or legend displayed on the Website (or printed pages thereof). The name and other names and indicia of ownership of the Services are the exclusive marks of DFLB Services or other third parties. Other product, service and company names appearing on the Website may be trademarks of their owners.
C. LINKS TO OTHER SITES: The Website may contain links and pointers to other World Wide Web Internet sites and resources (the “Linked Sites”). Links to any Linked Site do not constitute an endorsement by or association with DFLB Services or any of its affiliates. Links do not imply that DFLB Services is associated with or legally authorized to use any trademark, trade name, logo or author symbol displayed in or accessible through the links, or that any Linked Sites are authorized to use any trademark, trade name, logo or author symbol of DFLB Services or any of its affiliates. You should direct any concerns regarding any Linked Site to such Linked Site’s site administrator or webmaster. DFLB Services does not represent or endorse the accuracy or reliability of, and expressly disclaims, any advice, opinion, statement, or other information displayed or distributed through any Linked Site. You agree that reliance upon any opinion, advice, or information displayed on or otherwise available through any Linked Site shall be at Your sole risk.