1. Introduction

The provision of services by Global Money One Inc. (GMO) facilitating the purchase of prepaid mobile and/or data airtime (“Top-up”) and prepaid vouchers (“Vouchers”) (together the “Products”) (“Services”) relating to services to be provided by mobile telephone operators and other third parties through the websites www.maxmo.com and any associated GMO mobile applications, present or future (together, the “Applications”) and your use of the Applications and access to the Services are subject to your acceptance of these terms and conditions (“Agreement” or “Terms”). By using the Applications, you expressly agree to be bound by these Terms.

Please read these Terms carefully before accessing or using the Services and Applications. You should print a copy of these Terms for future reference.

If you object to any of the terms and conditions of this Agreement or any subsequent modifications to them or become dissatisfied with your use of the Applications or Services in any way, you may: a) discontinue your use of the Applications and/or Services; and b) close your virtual account (“Account”) by notifying us in writing by email or otherwise (see contact information below). No other remedy, legal or otherwise, is available to you save for a) and b) mentioned above.

2. Information About Us

The Applications are operated, and the Services are provided, by MoneyOne (“MoneyOne”, “we” or “us”). GMO is registered in Delaware and Commercial Offices at 300 Aragon Avenue, Suite 375, Coral Gables, FL 33134, USA.  MoneyOne is the registered commercial name of GMO.

You can contact GMO using the contact information set out at this document.

All correspondence in relation to any GMO company should be sent to 300 Aragon Avenue, Suite 375, Coral Gables, FL 33134, USA.

3. Registration in the MoneyOne APP

To use the Services, you may elect to register for an Account. You can do this by filling out the appropriate information on the registration screen on the relevant Application. Upon registration you will be given an Account. When registering you may supply personal information, including your email address or phone number and financial information. You may also choose a password.

All data you provide to us as a customer will be treated in accordance with our Privacy Notice.

You agree that the information supplied on registration will be truthful, accurate and complete. It is your responsibility to inform us of any changes to that information.
You are entirely responsible for all activities which occur when using your email address, phone number and/or password (“Login Details”) in relation to your Account, including unauthorized use of your Account or any payment method including debit or credit card. You must not disclose your password, whether directly or indirectly, to any third party. It is your responsibility to safeguard your password. You must notify us immediately using the contact details in this document if you become aware of any unauthorized use of your Login Details.

Login Details may only be used by a single user and are not transferable.

Please note that your Login Details may be used on all Applications. These Terms will apply to the use of Services on any of the Applications.

If you are under 16 years of age, you represent to GMO that you have obtained a parent/guardian’s consent and that your parent/guardian has reviewed and agreed to these Terms prior to using the Applications. If you are an employee of a company or other entity or are acting on behalf of a company or entity, you must be authorized to accept these Terms on behalf of that employer, company or entity.

4. Your Data and protection of your information

GMO will comply with all of its obligations under applicable data protection law with regard to relevant data in its possession relating to you. Data collected by us as part of the Services will be treated in accordance with our Privacy Notice and Cookie Policy. These documents set out how we use and protect the information you provide to us. We recommend that you read the Privacy Notice and Cookie Policy carefully.

5. Use of Services and Cost

You agree to use the Applications and Services solely in accordance with these Terms and to comply with applicable law and the provisions set out in these Terms.

You may not use the Applications or Services: (i) in violation of any law, statute, rule, or regulation; or (ii) in connection with any illegal, fraudulent, offensive, violent, immoral or indecent activity; or (iii) in any manner that encourages, promotes, facilitates or instructs others to engage in any illegal, fraudulent, offensive, violent, immoral, or indecent activity. The Services shall only be provided to you by GMO in respect of the mobile phone operators and other service providers available on the Applications (which are subject to change and availability).

You will be required to input certain information (e.g. a receive mobile phone number or email address) in respect of the Services or the Applications. It is your responsibility to ensure that you have correctly inputted the information. In the case of Top-up, you will then be required to select the amount of Top-up that you wish to be delivered to purchase.

The total amount (inclusive of all applicable taxes and charges) that you will be required to pay will be displayed clearly on the Applications before you are asked to confirm your transaction and proceeding with the transaction at this point is entirely optional. In the case of Top-up, the cost will vary depending on the amount of Top-up that you wish to send and purchase according to the denominations displayed on the Applications. If the Top-up you purchase is to be received in a different currency to the currency of your chosen payment method, the payment amount will be subject to the applicable FX rate on the payment date and an airtime conversion fee will be applied. You may also be charged a secure online processing fee in respect of any Product you purchase through the Applications. If you choose to send an optional SMS to the recipient of Top-up, an additional message fee for this may apply.

Services are provided by GMO upon successful payment by you. Occasionally, there may be a short delay before the relevant third party delivers the Product to the recipient. Where contact details have been provided, we will send you a confirmation email or SMS which contains details of the Services as soon as your transaction has been successfully completed. In the case of Top-up, you agree and understand that GMO only acts on your authorization to send the Top-up and the relevant third party shall be solely liable to you and the recipient, where applicable, for the provision of the services related to the Top-up. Once a Top-up is sent, it can be used immediately and therefore it cannot be refunded or removed. To avoid Products being provided to the wrong phone or email address, GMO asks you to confirm, where applicable, that the recipient details you have entered are correct.

You acknowledge that you will lose the right to cancel the Services once they have been fully performed by GMO. Please note that the Applications limit the number and value of Products that can be purchased or received, including over a specific time period (e.g. daily, weekly, monthly). Other limits and exclusions related to the use of the Applications and the purchase of Products may be applicable from time to time.

6. Your Instructions

You shall ensure that all instructions provided to GMO through the Applications are accurate, complete, and true. In particular, the mobile phone number or email associated to a permanent access account, to which any Top-up is to be credited must be correctly identified. You shall ensure that any instructions which are relayed back for confirmation are correct, accurate and true. All confirmed instructions are final and binding upon you. GMO and/or its service providers shall bear no liability or consequences related to the provision of incorrect, inaccurate or false information by you. You are solely responsible for any consequences related to the failure to provide correct, accurate and true information or the failure to correct such inaccurate information prior to final confirmation.

7. Transactions Using Your Chosen Payment Method

You may purchase Products through GMO’s Services using MoneyOne MasterCard or any Visa, MasterCard, PayPal or any other payment methods available on the Applications from time to time. Any credit card, debit card or other payment method which may be used on the Applications must have a valid billing address and valid issuing bank or other payment services provider.

Where you purchase Top-up using a Visa or MasterCard credit card which was issued in the United States, your payment may be processed by a payment processor for and on behalf of GMO.

Upon receipt of a proper and complete request from you for Services, GMO will charge the payment method provided by you and will forward an electronic request to the relevant third-party provider (e.g. mobile operator or issuer of Voucher) to provide the Products in the amount transferred, for the benefit of the recipient nominated by you.

You authorize GMO to act upon any instruction to charge the payment method provided by you through the Applications which has been transmitted using your password and/or any other authentication/identity verification process which you may require to be used in connection with the Applications. GMO is not required to undertake any additional authentication or identity verification measures other than those required by applicable law or as GMO deems appropriate and sufficient to protect against fraud or money laundering and to maintain the security and proper use of the Applications to comply with any internal policy. All charges concluded post successful authentication or identity verification are your sole responsibility and liability.

GMO shall accept liability for the non-execution or defective execution of Services purchased through the Applications, subject to your adherence with these Terms, the proper use of the Applications as instructed by GMO, and the absence of any misrepresentation, fraud or negligence by you. Such liability, if incurred, shall be strictly limited to the amount of the unexecuted or defective Services.

8. Auto top-up

If you select “auto top-up”, the payment method provided by you will be charged for the initial Top-up and automatically charged for each subsequent Top-up on the payment dates specified by you (e.g. every 7, 14, 28 or 30 days). You will be charged for an auto top-up no more than 24 hours before the auto top-up is sent. If the payment method provided by you is declined for payment of your auto top-up, your auto top-up will be cancelled, and you will be required to create a new auto top-up with a valid payment method.

You may cancel any auto top-up you have set up on your Account at any time and the cancellation will be effective before the next auto top-up payment is due to be paid. For example, if your auto top-up is paid every 28 days, you may cancel that auto top-up at any time before the expiry of the relevant 28-day period, and no further auto top-up payments will be charged to your chosen payment method. You will not receive a refund for any previous auto top-up payments.

When you set up an auto top-up, the Top-up amount, and any processing fees as at the date of setup will be charged for each subsequent auto top-up payment. If you set-up an auto top-up for an international Top-up and the Top-up you purchase is to be received in a different currency to the currency of your chosen payment method, the amount you will be charged for the auto top-up on each payment date may vary based on the FX rate on the applicable payment date and will be subject to an airtime conversion fee.

If the price of Top-up increases which results in an increase in the price of your auto top-up, GMO will notify you by giving you at least 14 days’ notice before the price increase. The increase will apply to the next auto top-up payment due from you after the notice. If you are given less than 14 days’ prior notice, the price increase will not apply until the next payment following the expiry of the 14-day notice period. If you do not wish to pay the increased price for an auto top-up, you may cancel the auto top-up as described above. Subject to applicable law, you accept the increase by continuing to enable an auto top-up after the price increase takes effect.

Auto top-ups are automatically renewed unless discontinued. You can manage or cancel your auto top-ups in your GMO Account or by contacting our customer care team.

GMO reserves the right to accept, refuse, discontinue or cancel the auto top-up Service.

9. Promotions

From time to time, GMO or partner service providers will run promotions on the Applications. These promotions will be subject to additional terms and conditions and such terms and conditions (including the closing date for any promotion) will be displayed clearly on the Applications. GMO is not responsible for promotions run by partner service providers and you must make your own inquiries with the relevant service provider directly before availing of, and relying on, the terms and conditions of any such promotion. You shall avail of any promotion in good faith and not misuse any promotional code provided to you.

10. Your Obligations

The equipment and devices necessary to access the Applications shall be provided and be maintained by you solely at your expense. If you access the Applications through a mobile device, you may be charged by your mobile service provider for internet access on your device.

You can download the mobile applications from the app stores free of charge. You are solely responsible for ensuring that you download any subsequent updates to the mobile applications from the relevant app store.

GMO reserves the right to modify equipment and software requirements as is necessary for it to continue or improve the provision of Services through the Applications.

You acknowledge that compliance with these Terms is designed to minimize the risk of unauthorized use of the Applications and harm to you, GMO or others, and therefore you are required to strictly adhere to these Terms. To the fullest extent permitted by law, you will be liable for any liability, loss, costs, or damages to GMO or any third party as a result of your failure to adhere to these Terms.

11. Third Party Services

GMO will not check the accuracy or completeness of the information, or the suitability or quality of the products and services offered by third parties. Any top-up purchased through the Services will have their own terms and conditions, including applicable expiry dates and any other applicable restrictions and requirements. GMO advises you familiarize yourself with any such terms and conditions before purchasing any top-up through the Services. You must make your own inquiries with the relevant third-party supplier directly before relying on the third-party information or entering into a transaction in relation to the third party products and services referred to on the Applications. Service providers are fully responsible for all aspects of their Products.

12. Withdrawal of Services

These Terms apply to every Product you purchase through the Applications. GMO may disable your Account and suspend or withdraw the use of the Applications and/or the Services provided through it:

• upon reasonable prior notice to you.
• immediately upon breach by you of these Terms or where GMO reasonably believes you are in breach of these Terms.
• immediately upon your insolvency/bankruptcy or inability to pay any amounts due, whether commemorated through a legitimate formal legal petition or not, or other contractual incapacity. GMO reserves the right to commence debt collection actions within the bounds of the law under these conditions.
• immediately if GMO reasonably believes that you have used the Applications and/or Services (a) in violation of any law, rule, statute or regulation; or (b) in connection with, or in any manner that encourages, promotes, facilitates or instructs others to engage in, any illegal, fraudulent, offensive, violent, immoral or indecent activity; or (c) in breach of any number or value limits set by GMO from time to time.

These Terms do not have a minimum or finite duration and will continue to be binding on you for so long you as you have an Account with GMO. You may cease using the Applications or Services and/or close your Account at any time without reason by giving GMO written notice to that effect, but without prejudice to your liability for any outstanding indebtedness on any Account or otherwise prior to the date of termination.

GMO reserves the right, acting reasonably, to refuse to process or cancel any transactions following termination of this Agreement or suspension or withdrawal of the Services. GMO is not responsible for any loss you may incur as a result of any transaction not being processed as part of the Services after termination of the Agreement or after any suspension or withdrawal of the Services.

13. Your Contribution

Where you send GMO any feedback, suggestions, ideas or other materials in relation to or via the Applications or the Services provided, you agree that GMO can use, reproduce, publish, modify, adapt and transmit the communication mentioned above to others free of charge and without restriction, subject to GMO’s obligations as provided under the Privacy Notice.

14. Variations of the Terms

GMO reserves the right to modify, amend or vary these Terms for commercial or legal purposes. Any such variation shall become effective and shall be binding upon you fourteen (14) days after notice of such variation has been sent to you by any of the following means, email or by posting a message on the Applications. You shall be entitled, upon receiving notice of any alteration to these Terms, to immediately cease using the Services and/or the Applications and/or close your Account by notifying GMO in writing but without prejudice to your liability for any indebtedness on any Account or any other obligation, financial, legal or otherwise that has arisen prior to the closure of your Account.

15. Links to other Websites

Access to and use of the Applications is at your own risk and GMO does not represent or warrant that the use of the Applications or any materials downloaded from it will not cause damage to property, including but not limited to loss of data or computer virus infection.

Some pages on the Applications may link to websites or applications not created or maintained by GMO. You are hereby adequately notified and forewarned that when entering other websites or applications via such links, the terms and conditions, benefits, and privacy protections afforded by our Applications will not be applicable and you must make yourself aware of and become compliant with the requirements of those individual independently maintained websites or applications. GMO is not liable in any way for the content, availability or use of such linked websites and you agree that you may access such links entirely at your own risk.

16. Notices

Save where expressly provided, any notice required to be given by you to GMO in connection with these Terms shall be given in writing and sent by email to customerservice@maxmo.vip or through the post addressed to 300 Aragon Avenue, Suite 375, Coral Gables, FL 33134, USA..

Save where expressly provided, any notice required to be given by GMO to you in connection with the subject matter of these Terms may be given by email or by posting a message on the Applications.

With your permission, GMO may from time to time contact you to keep you up to date about GMO’s Services including new products, campaigns and promotions. For further information please review our Privacy Notice.

17. Intellectual Property Rights

For the purposes of this Agreement “Intellectual Property Rights” means all copyright, patents, registered and unregistered trademarks, registered and unregistered design rights, rights in databases and topography rights and other intellectual property rights, all rights to bring an action for passing off, all rights to apply for protection in respect of any of the above rights and all other forms or protection of a similar nature or having equivalent or similar effect to any of these which may subsist anywhere in the world.

You may only download, use, view and display the Applications (and the Intellectual Property Rights therein) solely for the purposes of using the Services and in accordance with the terms of this Agreement. Save for where otherwise specified, the Intellectual Property Rights in, and contents of, the Applications are owned by GMO or its licensors. Reproduction, copying, modification, alteration, or adaptation of part or all of the contents of the Applications (including any graphics or trademarks) in any form is prohibited without GMO’s prior consent, other than that which you are authorized by GMO to print or download for personal, non-commercial use.

GMO owns all Intellectual Property Rights that exist in the words “MoneyOne” and in any accompanying logo. GMO also owns all Intellectual Property Rights in the domain name www.maxmo.vip. GMO takes cyber-squatting very seriously. Please notify any suspected incidents to customerservice@maxmo.vip.

18. Suspension of Services

In the event of disruption to, or a failure, unavailability, fault or malfunction of, or connected to, any product or system used in connection with the Applications or the Services, or where there is a real or potential security risk, GMO shall be entitled, without incurring any liability to you, to temporarily suspend the relevant Services or access to the Applications or your Account for such reasonable period as may be required to remedy, address or resolve the issue. GMO may also suspend access to the Applications and/or your Account and/or Services as required for maintenance (whether emergency or planned) or upgrade work. Without prejudice to GMO’s rights at Section 12 above, you further agree and acknowledge that your access to the Applications and/or your Account and/or Services may be immediately suspended where GMO reasonably believes that you have used the Applications and/or Services (a) in violation of any law, rule, statute, or regulation; or (b) in connection with, or in any manner than encourages, promotes, facilitates or instructs others to engage in, any illegal, fraudulent, offensive, violent, immoral or indecent activity; or (c) in breach of any number or value limits set by GMO from time to time. In the event of such suspension, GMO may reinstate access to your Account and recommence providing Services to you at its sole discretion.

19. Force Majeure

GMO shall not be liable or in breach of its obligations under this Agreement if there is any total or partial failure of performance of its duties and obligations occasioned by any act of God, fire, act of government or state or other third party, war, civil commotion, insurrection, embargo, inability to communicate with third parties for whatever reason, failure of any computer or network or settlement system, failure of or delay in any mobile phone network, prevention from or hindrance in obtaining any airtime, energy or other supplies, labor disputes of whatever nature, late or mistaken payment by an agent or any other reason (whether or not similar in kind to any of the above) beyond GMO’s control.

20. Security, Maintenance and Availability

You agree, acknowledge, and accept that electronic communications, the internet, telephone lines or SMS-based telecommunications media may not be secure and communications via such media may be intercepted by unauthorized persons or delivered incorrectly. As a consequence, GMO cannot guarantee the privacy or confidentiality of communications via such media although it will (and shall procure that its service providers will) put in place appropriate security measures to protect these methods of communications.

From time to time it may be necessary to or desirable for security reasons, maintenance (whether emergency or planned), upgrades or other reasons to:

• make certain or all of the Applications or Services unavailable to you; and/or
• delay implementation of any new Services; and/or
• withdraw, replace or reissue your password; and/or
• change authentication procedures or processes for accessing the Applications or the Services,

while using reasonable endeavors to minimize any inconvenience caused.

You acknowledge and agree that these events may occur, and that GMO bears no liability when such events occur. Where GMO changes authentication procedures for accessing the Applications or the Services therein, notwithstanding any other terms of this Agreement, GMO may introduce these procedures by giving instructions to you via the Applications in respect of which such procedures are being introduced.

21. Agency and Assignment

You agree that you have entered into this Agreement for your own benefit and not for the benefit of another person, and that you may not subcontract or assign any of your rights or obligations under this Agreement.

22. Limited Liability

GMO bears no responsibility for use of the Applications and/or Services in connection with any unauthorized, illegal, fraudulent, offensive, violent, immoral, or indecent activity. Save as set out at Section 7 above, GMO, its directors, employees, officers or agents exclude all liability and responsibility for any amount or kind of loss or damage that may result to you or a third party (including without limitation any direct, indirect, incidental, special, or consequential, exemplary or punitive loss or damage or any loss of income, money, data or goodwill) arising out of or in connection with your use of the Applications, Products or the Services. This does not limit in any way our liability for death or personal injury caused by our negligence or for any other matter which it would be illegal for us to exclude our liability.

No damages other than compensatory damages, strictly limited to the amount of Top-up or other value paid in relation to Services provided through the Applications, where fault lies solely with GMO, shall be incurred by GMO. No right of indemnity exists for you against GMO.

Furthermore, GMO will incur no independent or third party or vicarious liability in relation to the failure by you to adhere to the terms and conditions contained and referenced herein or on other related and linked independently operated websites by third parties.

You agree and acknowledge that the Applications and the Services and content provided through them are provided “as is”. To the fullest extent permitted by law, GMO makes no warranties in relation to the use and availability of the Applications or the Services provided through them.

23. Governing Law

This Agreement, the Applications and the provision of Services will be governed by the laws of Florida state, USA. If any claim or dispute arises from, out of or in connection with this Agreement and/or your use of the Applications or any Services, you agree that the courts of the Florida state, USA will have exclusive jurisdiction over all such claims or disputes, without prejudice to your rights under applicable legislation.

24. Severability

If, at any time, any provision of this Agreement (or any part of a provision of this Agreement) is or becomes illegal, invalid or unenforceable, that shall not affect or impair the legality, validity or enforceability of the remainder of this Agreement (including the remainder of a provision where only part thereof is or has become illegal, invalid or unenforceable).

25. Waiver

Any waiver of a breach or default of any of the provisions of this Agreement shall not be construed as a waiver of any succeeding breach of the same or other provisions, nor shall any delay or omission on GMO’s part to exercise or avail of any right, power or privilege operate as a waiver of any breach or default by you.

26. Customer Service & Contact Information

If you have any questions about this Agreement or any complaints or require any assistance with the Applications or the Services, we are always here to help. You can get in touch with us 24 hours a day, 365 days a year using one of the options below. Complaints can also be made via the European Commission’s Online Dispute Resolution platform, available here.

By phone: 1-877-888-4480

Email us: customerservice@maxmo.vip

USER AGREEMENT

This website (the “Website”) is provided by Servicio UniTeller Inc., herein referred to as “UniTeller” or the “Company”, a leader in global money transfer services. The following User Agreement (“User Agreement”) governs the conditions how this Website and the services (“Service”) may be used.

By your use of this Website and our Service you agree with and accept the following User Agreement. If you do not agree with this User Agreement, do not use this Website or the Service available through it.

OVERVIEW OF THE SERVICE

The Service allows people to send money to many different countries around the world. We recommend that you use the Service only to send money to people you know personally. You should never use the Service to send money to strangers. Please refer to Frauds and Scams section below.

DEFINITIONS

A “Money Transfer” is defined as the transmission of funds to a designated Beneficiary, pursuant to payment terms entered directly by you into the Website. A “Sender” is someone who uses the Service to send money. A “Beneficiary” is someone who receives money from a Sender through the Service. The “Destination Country” is the country where the Recipient receives money through the Service. A “Transaction” is a specific instruction to send money through the Service. A “Paying Agent” is defined as an entity, appointed by us, to pay out Money Transfer transactions in the Destination Country identified in your payment instructions. “Transfer Fee” is defined as the fee charged by us in connection with the Money Transfer. The “Transaction Amount” is the calculated amount that the Sender would be obliged to pay to UniTeller if the Sender orders the Transaction (and is the amount that the Sender is then obliged to pay UniTeller). The “Payout Amount” is the amount paid out to the Recipient, excluding any taxes or charges that may be levied under the laws of the Destination Country (the “Local Taxes”).

ACCESSING THE WEBSITE AND SECURITY

By using this Website, you represent and warrant that you are 18 years or older and of legal age to form a binding contract with the Company.

We reserve the right at any time to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice, except as otherwise required by law. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including, but not limited to registered users.

You are responsible for making all arrangements necessary for you to have access to the Website and for maintaining the necessary hardware and software to use the Service.

You are responsible for ensuring that all persons who access the Website through your mobile phone device or internet connection are aware of the terms of this User Agreement, have agreed to such terms, and that they will comply with them.

To access the Website or some of the resources it offers, you may be asked to provide certain registration, identification and authentication details or other information. It is a condition of your use of the Website that all the information you provide to us on the Website (or otherwise) is correct, current and complete at all times.

If you become a registered user of our Service and you choose, or you are provided with, a user name, password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. You agree to immediately notify Company of any unauthorized use of your user name or password, or any other breach of security. You also agree to ensure that you exit from the Service at the end of each session. You should use particular caution when accessing the Service from a public or shared computer so that others are not able to view or record your password or other personal information.

We have the right to disable any user identification code or password, whether chosen by you or provided by us, in our sole discretion for any or no reason, including, if in our opinion, you have failed to comply with any provision of this User Agreement.

VALIDATION OF PAYMENT SOURCE AND PAYMENT

Validation of Payment Source When you make a Transaction using the Service, you authorize UniTeller to perform a validation of the source of the funds (i.e. bank account, credit card or debit card). This authorization allows UniTeller to add and/or to subtract two separate small amounts of money (usually less than $0.20) from that bank account, credit card or debit card to validate that this is the correct source for your funds and the account number is correct. You will then be required to submit to the UniTeller system through your profile the exact amounts of those two transfers in order to validate that source of funds.

Cargos  Por cada Transacción que realice, acepta pagarnos un cargo por el servicio (el “Cargo por el Servicio”), más la Cantidad de envío. El pago debe efectuarse en el momento en que se envía la Transacción para su procesamiento. UniTeller sólo acepta pagos en dólares estadounidenses.

Charges For each Transaction that you submit, you agree to pay us a transfer fee (the “Transfer Fee”) plus the Transaction Amount. Payment in full is due at the time your Transaction is submitted for processing. UniTeller only accepts payment in U.S. Dollars.

Payment for Transactions  In order for us to collect payment from you, you authorize us to access, charge, or debit funds from any of the payment instruments you provide us in connection with your use of the Service (each, a “Payment Instrument”) including, for example, your credit card, debit card or bank account. If your payment fails or is insufficient, you authorize us to re-try one or more times using the same or a different Payment Instrument. For example, if there are insufficient funds in your bank account at the time you submit your Transaction, we may try to debit your bank account or charge your credit card at a later time(s). You represent and warrant that you are the lawful owner of your Payment Instrument(s) and can make these authorizations.

Charges by Third Parties  UniTeller is not responsible for any fees or charges that may be imposed by the financial institutions that issued your Payment Instruments. For example (without limitation), some credit card issuers may treat the use of your credit card to use the Service as a “cash advance” rather than a purchase transaction, and may impose additional fees and interest rates for the transaction. UniTeller is not responsible for any non-sufficient funds charges, chargeback fees, or any other charges that might be imposed on you by your bank, credit card issuer, or other provider that sent the funds.

FOREIGN CURRENCIES

In addition to the Transfer Fee applicable to the Transaction, a currency exchange rate is applied. Any profit in the difference between the rate given to customers and the rate received by UniTeller is kept by UniTeller.

DISBURSEMENT

Paying Agents
UniTeller maintains relations with banks and other third party service providers (each, a “Paying Agent”) to deliver funds to Beneficiaries. As a Remitter, you hereby appoint your Beneficiary as your agent for the purpose of receiving funds remitted by you through the Service.

UniTeller will strive to provide current information through our Website with regard to our Paying Agents. However, as User, you agree that UniTeller will bear no responsibility for any inaccuracies that may be posted on this Website.

Beneficiary’s Identification
Beneficiaries are required to present valid and acceptable identification documents to the Paying Agent prior to receiving funds. In addition, Beneficiaries are also required to provide a Transaction number and possibly related information and/or a similar verifier associated with that Transaction. User hereby grants UniTeller permission to store and rely on the data UniTeller may consider necessary in order to have the Beneficiary verify the Transaction and to provide complete, secure and efficient Service, as per this User Agreement.

RESTRICTIONS

The Service available through the Website is limited to Money Transfers for a maximum amount of $1,999 USD per User per calendar day following registration for tier 1 level (subject to certain exceptions) ; with an exception for Users who are Oklahoma, Arizona and New Mexico residents who are limited to Money Transfers for a maximum amount of $999.00 USD per User per calendar day (subject to certain exceptions if you provide additional documentation). The Company may establish any and all transactional restrictions applicable to Money Transfers in its sole discretion with varying thresholds for varying periods of time (e.g. a dollar limit for two weeks, a separate dollar limit for 4 weeks, 6 weeks, 2 months, 3 months, etc.) and may change such restrictions from time to time. We will provide you with any legally required notice, which we will post on our Website.

UniTeller maintains vigilance to ensure that the Service is not used for any improper or illegal purpose. By using the Service, you agree to abide by the following additional terms:

• You will provide truthful and accurate information at all times to UniTeller when using the Service.
• You will only utilize the Service to send funds for yourself and not for other people, especially persons whom you do not know.
• You must be at least 18 years of age to utilize the Service.
• You will only use the Service for a legal money transfer and will not use the Service for any improper purpose, such as illegal on-line gambling, illegal purchase of controlled substances or prescription medication, purchase of firearms or explosives, fraud, money laundering or financial support of terrorists or terror-supporting organizations.
• You will not use the Service to send multiple Transactions under different names or profiles or in coordination with other persons; or to send Transactions to Beneficiaries in more than one country.
• You will comply with (and not attempt to avoid) UniTeller’s I.D., recordkeeping and reporting requirements.
• You will not use the Service to obtain a cash advance from a credit card.
• The Service is not available to customers in all U.S. states or jurisdictions. Residents of the states of Maine and Vermont may not use the Service.
• The Service may only be used to send funds to approved countries (which current list can be found on the Website) which can change from time to time.
• UniTeller reserves the right to decline or reject, at its sole discretion, any Transaction at any point before delivery of the underlying funds and in that case will credit the funds and transfer fee promptly back to the sender.
• Only individuals who have registered with UniTeller may use the Service.  No entity may register to use the Service and no entity may be named as a Beneficiary (only individuals may be named as Beneficiaries).
• The “Date of Availability” of the remittance to the Beneficiary is understood to the extent permitted by the operating hours and  banking system availability.
• For cash transactions of $1,000 USD or more:
  • Due to security risks with carrying cash, a foreign bank could offer the beneficiary  an account credit or other option (as safer than cash payment).  Please alert your beneficiary that they may reject the offer and be paid cash anyway.  If such cases occur, please report this situation to us by email to customersupport@ulinkremit.com or call us at 1-800-456-3492 for prompt action.
  • There may be cases where cash may not be available at a specific location and the Paying Institution may ask your beneficiary to come back at a later time. Please inform us of these situations by email to customersupport@ulinkremit.com or call us at 1-800-456-3492 for prompt action.

At our sole discretion, we may refuse to process Transactions for certain Senders and Recipients and to certain locations, including without limitation, those entities and individuals included on certain government “watch lists”, including Specially Designated Nationals, non-cooperative or terror supporting countries and territories, and such other lists as may be issued from time to time by government agencies or watch list organizations.

COLLECTION OF INFORMATION

Privacy Policy  By agreeing to this User Agreement, you acknowledge and consent to UniTeller’s Privacy Policy. The Privacy Policy can be found on the Website.

Customer Identification Program To help the government fight the funding of terrorism and money laundering activities, U.S. law requires that we obtain, verify, and record information about you. We may require that you provide us with nonpublic, personal, identifying information and an explanation of the source of your funds. We may also lawfully obtain information about you from other sources without your knowledge, including non-personal identifying information that we may obtain while you visit this Website. Please see our Privacy Policy.

Government Disclosures We may provide information about you and your Transactions to government authorities and enforcement agencies and in other legal proceedings as well as to our professionals and auditors (all subject to confidentiality agreements), as described in our Privacy Policy.

Verifying information You authorize us, directly or through third parties, to make any inquiries we consider necessary to validate the information that you provide to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your e-mail address or Paying Instruments or source of funds (i.e. employment), or verifying your information against third party databases or through other sources.

CANCELLATIONS AND REFUNDS (SUBJECT TO DISCLOSURES AND CONDITIONS AS STATED BELOW FOR RESPECTIVE STATES)

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days at 1.800.456.3492 or www.uniteller.com. You can also contact us for a written explanation of your rights. You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited. For questions or complaints about Servicio UniTeller Inc. (“UniTeller”), refer to the name and contact information of the State Banking Department (toll free number and website/email data) referenced on your receipt or contact Consumer Financial Protection Bureau: 855-411-2372 / 855-729-2372 (TTY/TDD) www.consumerfinance.gov.

If you instruct us to pay a Transaction to a designated Beneficiary and later request that we stop the payment of such Transaction within the time frames set from time to time by us (but in no event will the time limit we set be less than thirty (30) minutes from the time on the receipt of the Transaction), we will need to check first with the Paying Agent to determine if the Transaction has been paid to the Beneficiary. If we can confirm that payment has not been made, the Transaction will be cancelled and we will refund or credit back to you (at your bank account or credit/prepaid card that was the source of the funds) the amount of the Transaction, including the Transfer Fee. Your refund or credit will be in USD. All refunds or credits shall be available promptly.

The States of Arizona, Colorado, Illinois, Louisiana, New York, New Jersey, Nebraska, North Carolina, Minnesota, Oklahoma, and Texas have specific disclosures and related terms which are all displayed if you click here .

Right to Refund
Refunds of principal amount and the Transfer Fee and cancellation of the money transfer will be made upon written request (which may be in electronic form)of the sender received within the time frames set from time to time by us (but in no event will the time frame we set be less than thirty (30) minutes from the time on the receipt of the Transaction), if payment to the beneficiary has not yet been made at the time the request is processed. UniTeller will have no liability for return of funds or any claims under any circumstances if the account number is not correct for remittances sent to bank accounts.

The following provision applies only to transactions from California
RIGHT TO REFUND: You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days at 1.800.456.3492 or www.uniteller.com. You can also contact us for a written explanation of your rights. You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited. For questions or complaints about Servicio UniTeller Inc. (“UniTeller”), contact: Money Transmitter Division of California Dept. of Business Oversight : 866-275-2677http://www.dbo.ca.gov/Licensees/money_transmitters/default.asp Consumer Financial Protection Bureau: 855-411-2372 / 844-729-2372 (TTY/TDD)www.consumerfinance.gov RIGHT TO REFUND: You the customer are entitled to a refund of the money to be transmitted as the result of this agreement if Servicio UniTeller Inc. (“UniTeller”) does not forward the money received from you within ten (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 receipt of 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 our selling agent whose name and address is described on your customer receipt or to UniTeller at 218 Route 17 North-Suite 402, Rochelle Park, NJ 07662. 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.

CONSUMER COMPLAINTS

General
Please let us know if you have any problems with the Service. You can contact us using the contact information at the bottom of this User Agreement or at the email address, toll free number or mailing address listed on your receipt. Residents of various jurisdictions should also look at the receipt for federal and state agencies (with email addresses, toll free numbers, mailing addresses, etc. for such government agencies) that may be contacted to report such a customer complaint.

INTELLECTUAL PROPERTY

You acknowledge that the Service, including but not limited to the content of this Website, text, graphics, links, buttons, logos, and images, as well as all other UniTeller’s copyrights, trademarks, service marks, logos, and product and service names are owned exclusively by UniTeller or a UniTeller affiliate (the “UniTeller Intellectual Property”). You agree not to display, use, copy, or modify any UniTeller Intellectual Property in any manner. You are authorized solely to view and retain a copy of the pages of this Website for your own personal, non-commercial use. You further agree not to: (i) use any robot, spider, scraper or other automated or electronic device to access the Service; (ii) remove or alter any trademark or other proprietary notice or legend displayed on this Website (or printed pages thereof); or (iii) infringe UniTeller’s or any third party’s copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy.

Monitoring and Enforcement; Termination
We have the right in our sole discretion to (a) take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Website, and (b) suspend or terminate your access to all or part of the Website for any or no reason, including without limitation, any violation of this User Agreement. Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone effecting a transaction on or through the Website.

YOU WAIVE AND HOLD HARMLESS THE COMPANY FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY THE COMPANY DURING OR AS A RESULT OF ITS INVESTIGATION(S) AND FROM ANY ACTION(S) TAKEN AS A CONSEQUENCE OF ANY INVESTIGATION(S) BY EITHER THE COMPANY, ITS AGENTS OR LAW ENFORCEMENT AUTHORITIES OR REGULATORY AUTHORITIES RELATED TO THE SERVICE OR YOUR USE (OR ATTEMPTED USE) OF THE SERVICE.

Links from the Website
If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them, or for any merchandise, goods or services you may purchase or obtain from them. If you decide to access any of the third party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

DISCLAIMERS

THIS WEBSITE AND THE SERVICE MADE AVAILABLE THROUGH THIS WEBSITE, ARE PROVIDED WITHOUT ANY WARRANTY OF ANY KIND, OR CONDITION, EXPRESSED, IMPLIED OR STATUTORY UNLESS SPECIFICALLY SO STATED IN WRITING. UNITELLER, ITS SUBSIDIARIES, AFFILIATES, EMPLOYEES, DIRECTORS AND AGENTS SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT RELATED TO ANY USE OR SERVICE PROVIDED OR SOLD THROUGH THIS WEBSITE.

UniTeller will use its best efforts to ensure the timely processing of Transactions but makes no claims or warranties regarding the time needed to process a Transaction to completion except as specifically stated on the receipt as to date of availability, as to a great degree, the Service depends on factors outside our control. In certain jurisdictions disclaimers of implied warranties are not permitted, therefore, the foregoing disclaimer may not apply to you.

UniTeller assumes no responsibility and shall not be liable for any damages or losses of any kind caused by the use of this Website or Service made available through it. This disclaimer includes damages caused by computer viruses, worms, bots or any other computer software problems that may infect or damage your computer software, hardware, memory or any other property of yours as a result of your accessing this Website or using the Service.

INDEMNITY

You agree to indemnify and hold UniTeller, its affiliates, employees, directors, officers, its suppliers, vendors, Service Providers, and their respective subsidiaries, officers, agents, partners, employees, and consultants harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use of the Service or your connection to the Service, that violate the User Agreement, or your violation of any rights of a third party.

LIMITATION OF LIABILITY

EXCEPT FOR CLAIMS UNDER SECTION 1810.5(C) OF THE CALIFORNIA FINANCIAL CODE ARISING FROM TRANSACTIONS ORIGINATING IN CALIFORNIA OR CLAIMS UNDER OTHER APPLICABLE STATE OR FEDERAL LAWS RESTRICTING LIMITS ON LIABILITIES UNDER THESE CIRCUMSTANCES, IN NO EVENT SHALL UNITELLER, ITS AFFILIATES, OFFICERS, DIRECTORS, OWNERS, EMPLOYEES, REPRESENTATIVES, CORRESPONDENTS AND AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES BEYOND THE SUM OF $500.00 USD (IN ADDITION TO REFUNDING THE TRANSACTION AMOUNT AND TRANSFER FEES), INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF UNITELLER HAS BEEN ADVISED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM ANY CAUSE, INCLUDING, AMONG OTHERS, NEGLIGENCE OR RECKLESSNESS ON THE PART OF UNITELLER, ITS AGENTS OR DISBURSEMENT PARTNERS, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, OR EMPLOYEES.

DISPUTE RESOLUTION AND GOVERNING LAW

Governing Law  This User Agreement shall be governed according to the laws of the State of Texas, and all activities performed in connection with the Service shall be deemed to have been performed in Texas. Any controversy, dispute, or claim arising out of or relating to the Service or this User Agreement (a “Claim”) shall be governed by and construed in accordance with the laws of Texas, except that body of law governing conflicts of law.

Disputes with UniTeller  If a dispute arises between you and UniTeller, our goal is to learn about and address your concerns. If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and UniTeller regarding the Service may be reported to Customer Service (See “Contact Information,” below) and/or the government agencies listed on your receipt.

Arbitration  For any claim by a User, the User requesting relief shall be required to resolve the dispute in a cost-effective manner through binding non-appearance-based arbitration. The User will initiate such arbitration through an established alternative dispute resolution (“ADR”) provider mutually agreed upon by the parties.

Improperly Filed Litigation All claims you bring against UniTeller must be resolved in accordance with the above paragraph entitled “Arbitration”. All claims filed or brought contrary to the above paragraph entitled “Arbitration” shall be considered improperly filed, and a breach of this User Agreement. Should you file a claim contrary to the above paragraph entitled “Arbitration,” UniTeller may recover attorneys’ fees and costs (including in-house attorneys) from you, provided that UniTeller has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim.

ELECTRONIC COMMUNICATIONS

You acknowledge that this User Agreement shall be entered into electronically. Unless otherwise required by applicable law, the following categories of information (“Communications”) will only be provided by electronic means and not in paper format or through other non-electronic means: (i) this User Agreement and any amendments, modifications or supplements to it; (ii) your records of transactions through the Service; (iii) any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by federal or state law; (iv) any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Service; (v) any other communication related to the Service or UniTeller. Electronic means may also include SMS, or texting.

Message and data rates may apply when you receive SMS messages on your mobile phone.

You may withdraw your consent to receive all 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 User Agreement.

In order to access and retain Communications, you must have: (i) an Internet browser that supports 128-bit encryption, (ii) an e-mail account and the capability to read e-mail from UniTeller, and (iii) a device and Internet connection capable of supporting the foregoing.

MISCELLANEOUS

Customer Updates
You must promptly update us with any change in your e-mail address and/or telephone number by updating your profile on our Website. If UniTeller does not have correct contact information, UniTeller may not be able to notify you with important information or changes in your Transaction status.

No Waiver
The failure of UniTeller to exercise or enforce any right or provision of this User Agreement shall not constitute a waiver of such right or provision. If any provision of this User Agreement is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavor to give appropriately valid effect to the intention of this User Agreement as reflected in the provision, and the other provisions of this User Agreement shall remain in full force and effect.

Modification
We may modify this User Agreement from time to time without notice to you, except as may be required by law. You can review the most current version of this User Agreement 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 User Agreement and acknowledge that any attempts by you to modify this User Agreement shall be void.

Language
In the event there is any inconsistency between the English and Spanish or other language text on this Website, including the Use Agreement, the English text shall be binding.

FRAUDS AND SCAMS

HELP PREVENT CONSUMER FRAUD! Are you sending money to claim lottery or prize winnings, or on a promise of receiving money? (2) Are you sending money because you were guaranteed a credit card or loan? (3) Are you responding to an Internet or phone offer that you are not sure is honest? (4) Are you sending money to someone you do not know or whose identity you can’t verify? (5) Are you sending money to someone (particularly if outside the country) who claims to be a relative needing cash for an emergency? If so, do NOT send the money or, if you have, ask our customer service agents to request to stop your transfer immediately, or call UniTeller at 1-800-456-3492. If your money has not been picked up yet (or otherwise taken), we will process the return for you. Once your Transaction has been picked up or credited to an account, which can happen in a short time, the transaction is considered concluded (except in the cases of fraud).

OTHER TERMS

UniTeller’s Right to Refuse or Limit Transactions
At its sole discretion, UniTeller may refuse any Transaction or limit the amount to be transferred, whether on a transactional or aggregate basis. At UniTeller’s sole discretion, such limits may be imposed on individuals, linked accounts, related accounts or households (for any of the foregoing, whether based on real or perceived issues). UniTeller reserves the right to change or discontinue the Service (or any part thereof) to any person with or without prior notice with or without reason.

Due Diligence and Verification
UniTeller has a regulatory obligation to verify customer information, and to monitor and track certain types of Transaction activity. Customer information that UniTeller may select to verify may include customer identity, instructions, beneficiary identification, means of payment for a Transaction and any other information deemed possibly relevant to a review of the Transaction(s). These compliance processes may cause certain Transactions to be delayed or rejected.

Commercial Transactions
The Service may not be used for commercial purposes. You agree that any commercial use of the Service is in violation of this User Agreement and is undertaken at your own risk. If UniTeller discovers you are using the Service for such impermissible purposes, UniTeller reserves the right to reject your Transaction(s) and terminate your right to use the Service at any time without notice or liability.

Limitations on Payment Instruments
Only specific Payment Instruments are eligible for use with the Service. UniTeller reserves the right, at its sole discretion, at any time to refuse or reject payment by certain types of Payment Instruments.

Transactions must be settled with a Payment Instrument issued by a U.S. financial institution.

Transactions on Behalf of Third Parties
No Transactions on behalf of third parties are permitted.

No Post-Submission Changes
No changes will be permitted to your Transaction after its submission for processing. It is the Remitter’s responsibility to ensure accuracy in the Transaction details before submitting the Transaction.

CONTACT US

If you have any questions please e-mail us at CustomerSupport@uniteller.com or contact our customer service at 1.800.456.3492
For customer complaints or other kinds of inquiries, you may also contact any of the federal or state government agencies (at the email address or phone number) listed on your receipt.

WHAT DOES SERVICIO UNITELLER DO WITH YOUR PERSONAL INFORMATION?

WHY?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

WHAT?

The types of personal information we collect and share depend on the product or service you have with us. This information can include without limitation:

• Information that you provide us in the course of using the Service, such as your name, address, e-mail address, and telephone or mobile number, number of transactions, transaction amounts, government identification.
• We may also collect certain sensitive information from you including your bank account number, credit card/prepaid card/debit card number, and date of birth.
• Information that you provide us in the course of your participating in various partner promotional programs.
• To facilitate our Service, we request certain third party personal information from you such as your recipient’s full name, physical address, email address, and phone number. We may also collect from you the recipient’s sensitive financial information including their bank account and routing number.
• Information about your usage of the Service, including your transaction history, and how and to whom you use the Service to send or receive money;
• Information that we lawfully obtain from third parties, such as identity verification services, electronic database services, and credit reporting agencies;

For Mobile and online customers we also collect.

• Information that we indirectly obtain from you, such as information about the hardware and software you use when accessing the Service, your IP address, the pages you access on this website, and other websites that you visit and that refer you to us prior to accessing the Service.
• We may also use “cookies” to track your use of this website. A cookie is a small data file that we may place on your computer to identify you when you return to the website. You are free to decline our cookies if your browser permits, but doing so may interfere with your use of the Service.
• At this time uniteller.com websites do not recognize automated browser signals regarding tracking mechanisms, including do not track (DNT) instructions. These tracking mechanisms may use session ID and cookies to enhance our websites, and to present you with UniTeller advertising on other sites based on your interaction on our website. Although blocking all cookies may affect your online experience and prevent you from enjoying the full features offered on uniteller.com websites, we believe that consumers should exercise choice regarding the collection of personally identifiable information. To change your privacy preferences regarding the use of cookies and similar technologies, please consult the “Help” section of your browser.
• We may use, and we may allow you to use sign-in services such as Facebook Connect, which will authenticate your identity and provide you the option to share certain personal information with us as your name and email address to pre-populate our sign up form. These services as Facebook Connect will give you the option to post information about your activities on our site to your profile page to share with others. We encourage you to review and understand the privacy policies and practices of such sites or services.
• We may use third party technology companies to collect data such as the IP address, user agent and other device level pseudonymous information when you visit our website or application. These companies may use information about your visits to this and other websites or applications in order to recognize browsers and devices, understand traffic patterns, accurately count visits to this site or application and recognize and reduce fraud. Please keep in mind that your browser settings may not permit you to control the technologies utilized by these third-party companies.

HOW?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Servicio UniTeller chooses to share; and whether you can limit this sharing.

WHEN?

This Privacy Policy was last modified on 3/16/2015.

TO LIMIT OUR SHARING

OPT OUT RIGHT (EXCEPT FOR CALIFORNIA CONSUMERS)

If you prefer that we limit sharing with affiliates or non-affiliated third parties as described above, you may opt out of those disclosures as follows:

Call 1.800.456.3492 within the US, or 1.956.217.6856 from any other country or visit us online at www.uniteller.com and modify your user settings, or Mail the form below to: Servicio Uniteller, Servicio UniTeller INC, 1524 McColl Rd Suite 150 McAllen, TX. USA. 78501

California Customers:

Servicio Uniteller will disclose information about consumers with a California mailing address only with your consent, unless otherwise permitted or required by law. California consumers should contact us for instructions on how to deliver their consent.

Note: Disclosures not subject to an opt-out choice include: disclosures necessary to effect, administer or enforce a transaction you request; disclosures to our authorized service providers, and disclosures permitted or required by law r to prevent fraud or other illegal activities.

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

QUESTIONS

Call 1.800.456.3492 within the US, or 1.956.217.6856 from any other country or visit us online: www.uniteller.com

MAIL-IN FORM

Mark any/all you want to limit:

( ) Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

( ) Do not allow your affiliates to use my personal information to market to me.

( ) Do not share my personal information with non-affiliates to market their products and services to me.

WHO ARE WE?

WHAT DO WE DO?

DEFINITIONS

OTHER IMPORTANT INFORMATION

Texas Consumers:
If you have a complaint, first contact the consumer service division at Servicio Uniteller at 1.800.456.3492, if you still have an unresolved complaint regarding our activities, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Blvd, Austin, Texas 78705, 1.877.276.5554 (toll free) www.dob.texas.gov

Children’s Privacy:
Our website is not directed at children or anyone under the age of 18. Servicio Uniteller does not knowingly collect or maintain information at our website from persons under the age of 18.

External Websites:
Our website may be linked to or from third party websites. Servicio Uniteller is not responsible for the content or privacy practices of websites that are linked to or from our website. We encourage you to familiarize yourself with the privacy policy or practices of these other sites prior to submitting your personal information to them.

Changes:
Servicio Uniteller reserves the right to modify this Privacy Policy

IMPORTANT PRIVACY CHOICES FOR CALIFORNIA CONSUMERS

You have the right to control whether we share some of your personal information.

Please read the following information carefully before you make your choices below.

YOUR RIGHTS

You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies we own or control, or that we have common ownership) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your account(s) with us. This includes sending you information about additional products and/or services.

YOUR CHOICE

Restrict promotions: Unless you say “no,” we may send you UniTeller promotions to your registered email from time to time.

 No, please do not send me UniTeller exclusive Promotions.

Restrict information sharing with our Affiliates (Companies we own, or control, or that we have common ownership): Unless you say “no,” we may share personal and financial information about you with our affiliated companies.

 No, please do not share personal and financial information with your affiliated companies

Restrict information sharing with other companies we do business with to provide financial products and services: Unless you say “no,” we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.

 No, please do not share personal and financial information with outside companies you contract with to provide financial products and services

TIME SENSITIVE REPLY

You may make your privacy choice(s) at any time. Your choice(s) marked here will remain unless you state otherwise. However, if we do not hear from you, we may share some of your information with affiliated companies and other companies with who we have contracts to provide products and services.

Name ______________________________________________________________________

Signature ___________________________________________________________________

Date _______________________________________________________________________

To exercise your choice, do one of the following:

1. Fill out, sign, and mail this form to us using the envelope provided (you may want to make a copy for your records).
2. Fill out, sign, and fax this form to us at : 1.866.235.3279
3. Call us toll-free at: 1-800.456.3492

CARDHOLDER AGREEMENT
(Effective September 2021)

This Cardholder Agreement (this “Agreement”) sets forth the terms of your prepaid Card. Please read it carefully and retain it for your records. If you do not agree to these terms, do not use the card; or If you would like to cancel call Customer Service at (877) 888-4480. Otherwise, your acceptance and/or use of the Card will be evidence of your agreement to these terms.
NOTE: THIS AGREEMENT REQUIRES CERTAIN DISPUTES TO BE RESOLVED BY WAY OF BINDING ARBITRATION, RATHER THAN BY JURY TRIAL. THE TERMS OF THE ARBITRATION CLAUSE APPEAR AT THE END OF THIS AGREEMENT.
Definitions. In this Agreement, the words “you” and “your” mean the Cardholder. “Bank,” “we,” “us” and “our” mean Axiom Bank, N.A., the issuer of the Card, or anyone to whom we assign our rights. “Card” means the network branded card that is issued to you.
Consent. Individuals who believe they have received this card non consensually will be entitled to a full refund of any fees charged to the card that the individual has paid.
Identification. To help the government fight the funding of terrorism and money laundering activities, federal law requires us to obtain, verify, and record information that identifies each person who registers a Card. When you request or agree to register a Card, you authorize the party giving you the Card to provide us with your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents and may use resources such as credit bureaus or other means to verify your identity information.
Using Your Card. If you do not want to use this card and you have loaded your own money onto the card, you can request a check or alternative disbursement method listed in the fee table. The card cannot be used until it has been validated. You can validate the card by calling the toll-free number on the back of the card, registering the card at the website listed on the back of the card or begin transacting on the card. Activity fees will not be assessed to the card until the card has been validated. However, an inactivity fee will be charged to the card according to the fee table after the applicable dormancy period, even if the card has not been validated. If the card is validated after an inactivity fee has been assessed, and prior to funds being escheated to the applicable regulatory authority, you can request the inactivity fees be credited back to the card by calling the toll-free number on the back of the card. You may use your Card to purchase goods and services anywhere MasterCard® debit cards are accepted and to access cash at ATMs of financial institutions displaying the MasterCard®, Pulse®, or Maestro® name and/or logo. Each time the Card is used to purchase goods or services or to withdraw cash at ATMs, you authorize us to charge that amount (and any applicable fees) against your Card’s available balance. You may not give or transfer your Card to another person for their use. You will be required to input your personal identification number (“PIN”) in order to access cash at ATMs and to purchase goods or services at some point-of-sale (“POS”) terminals. Please refer to t he activation label on your card for your temporary PIN number. You should promptly change your temporary PIN by calling Customer Service at (877) 888-4480. You agree not to disclose your PIN to others.
ATM Receipts. You can get a receipt at the time you make any withdrawal with your Card using one of our ATMs.
Balance and Transaction Information. You can obtain information about the current available balance on your Card and a description of recent transactions by calling Customer Service at (877) 888-4480, visiting the website on the back of your card, downloading our “Currencie” Mobile App or sending a written request to P.O. Box 6425, North Logan, Utah 84341.
Limitations. Subject to your available balance and if your program allows ATM transactions, you may use your Card to make withdrawals at ATMs and purchase goods or services up to the aggregate amount of $3,500 per day. You may not conduct more than five ATM or twenty purchase transactions on any single day. For security reasons, there may be times when we further limit these amounts. You may not use your Card for any unlawful purpose or to conduct Internet gambling transactions. The maximum amount that can be loaded to the Card is $9,700. Interest will not be paid to you for any amount loaded on the Card. There is no credit card, credit line, overdraft protection, or deposit account associated with your Card. Your Card is not transferable and may only be used by you. We reserve the right to accept or reject any request to reload the Card at our sole discretion. Only the primary Card holder may reload the Card.
FDIC Insurance. The money credited to your Card will be held in a custodial account at the Bank. Funds in the custodial account are insured by the FDIC to its maximum limits.
Unclaimed Property. We may transfer (escheat) your Card balance to the appropriate state if no activity occurs in the Card and you fail to communicate with us regarding your Card within the time period specified by state law. If funds are transferred to the state, you may file a claim with the state to recover the funds.
Cancellation and Suspension. We may cancel or suspend Card privileges without cause or prior notice, except as otherwise required by law. We may refuse to process any transaction that we believe may violate the terms of this Agreement or may be unauthorized. You may cancel your Card by calling Customer Service at (877) 888-4480. We will attempt to notify you if we decide to cancel or suspend your use of the Card. You agree not to use or allow others to use an expired, cancelled, suspended or otherwise invalid Card. Our cancellation or suspension of Card privileges will not otherwise affect your rights and obligations under this Agreement. If we cancel or suspend your Card privileges through no fault of yours, you will be entitled to a refund of the remaining balance without charge.
Card Expiration. Subject to applicable law, you may use the Card only through its expiration date. The expiration date is shown on your Card. If you attempt to use the Card after the expiration date, the transactions may not be processed. Although the Card expires, the underlying funds do not expire. If there is a balance remaining on the Card at the time of its expiration, you may request a replacement Card by calling Customer Service at (877) 888-4480. Otherwise, we will either send you a replacement Card or refund the balance remaining on the Card to you, less any amounts owed to us. The replacement Card or a check for the Card balance may be mailed to you at the latest postal address reflected in our records. We do not impose a fee for any replacement Card or check sent to you as a result of your Card’s expiration.
Privacy. We may release information about you, your Card and the transactions you perform to third parties: where it is necessary or helpful in verifying or completing a transaction; to disclose the existence, history, and condition of your Card to consumer reporting agencies; when you give us your consent; to comply with the law or a court or governmental order; to local, state and federal authorities if we believe a crime may have been committed involving your Card; and as permitted by law. Please see our Privacy Policy at https://rpdfin.com/privacy-policy/ for further information. Although no credit history is required to obtain a Card, you authorize us to obtain information about you from time to time from credit reporting agencies and other third parties to assist us in verifying your identity, to prevent fraud, and investigate potential misuse of the Card.
Notice of Lost or Stolen Cards/Unauthorized Activity. You agree to notify us AT ONCE of the loss, theft or unauthorized disclosure of any PIN or code that might be used to access Card funds. If you believe your Card or PIN has been lost or stolen or that someone has transferred or may transfer money from the Card without authorization, call Customer Service at (877) 888-4480. You agree to cooperate reasonably with us in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Card. If you allow another person to use the Card, you agree to be responsible for all transactions conducted by that person, even if the transactions exceed the amounts or use authorized by you.
Our Liability for Failing to Make Transfers. If we do not complete a transaction to or from the Card on time or in the correct amount according to this Agreement, we may be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: (a)if your Card funds are insufficient for the transaction or are unavailable for withdrawal (e.g., because they are subject to a hold or legal process); (b)if a computer system, ATM, or POS terminal was not working properly and you knew about the problem when you started the transaction; (c)if a merchant refuses to honor the Card; (d)if circumstances beyond our control (such as fire, flood, terrorist attack or national emergency) prevent the transaction, despite reasonable precautions that we have taken; (e)if we refuse a transaction because the Card has been reported as lost or stolen, has been suspended by us, or we have reason to believe the transaction is not authorized by you; or (f)as otherwise provided in this Agreement.
In Case of Errors or Questions About Card Transactions (Regulation E). Call us at (877) 888-4480, or write to Customer Service at P.O. Box 6425, North Logan, Utah 84341 as soon as you can if you think your balance or transaction information is wrong or if you need more information about a transaction. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at (877) 888-4480. When notifying us: (1) Tell us your name and Card number; (2) Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; (3) Tell us the dollar amount of the suspected error. In addition, for errors involving your Card, it would be helpful if you provided us with any supporting documentation related to the error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, and your account is registered with us, we will credit the Card within 10 business days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete the investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Keep reading to learn more about how to register your Card. For errors involving new Cards (i.e., Cards issued within the previous 30 days), point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Cards, we may take up to 20 business days to credit your Card for the amount you think is in error. 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 the documents that we used in our investigation.
Your Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money loaded on your Card. If you are a Registered Cardholder (an individual who has been verified online by providing personal identification information) and tell us within two business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if you become aware of or otherwise suspect transactions that you did not make, including those made by Card, PIN or other means, tell us at once. If you do not tell us within 60 days after the transaction is first made available by visiting the website on the back of your card, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
Warning regarding unverified prepaid accounts. It is important to register/ your Card as soon as possible. Until you register your account to verify your identity, we are not required to research or resolve any errors regarding your account. Register at the site on the back of your Card. As such, protect your Card as you would your cash. We will not reimburse you for any unauthorized transactions which occur prior to the time you notify us of the unauthorized activity or that your Card or PIN has been lost or stolen.
Limited Liability. UNLESS OTHERWISE REQUIRED BY LAW, WE WILL NOT BE LIABLE TO YOU FOR: DELAYS OR MISTAKES RESULTING FROM ANY CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING, WITHOUT LIMITATION: ACTS OF GOVERNMENTAL AUTHORITIES, NATIONAL EMERGENCIES, INSURRECTION, WAR, OR RIOTS; THE FAILURE OF MERCHANTS TO HONOR YOUR CARD; THE FAILURE OF MERCHANTS TO PERFORM OR PROVIDE SERVICES; COMMUNICATION SYSTEM FAILURES; OR FAILURES OR MALFUNCTIONS ATTRIBUTABLE TO YOUR EQUIPMENT, ANY INTERNET SERVICE, OR ANY PAYMENT SYSTEM. IN THE EVENT THAT WE ARE HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL DAMAGES. IN NO EVENT SHALL YOU BE ENTITLED TO RECOVER ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES. THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE REQUIRED BY LAW. TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT YOUR RECOVERY FOR ANY ALLEGED NEGLIGENCE OR MISCONDUCT BY THE BANK OR OUR SERVICE PROVIDERS SHALL BE LIMITED TO THE TOTAL AMOUNT LOADED ON THE CARD.
Our Business Days. Our business days are Monday through Friday, excluding federal and legal banking holidays in the State of Utah.
Notices. We may send notices to you at the last postal or e-mail address reflected for you in our Card records or by otherwise making the information available to you. If your e-mail or postal address changes, you agree to notify Customer Service immediately. Failure to do so may result in Card information being mailed to the wrong person or your transactions being declined. You agree to provide notices to us by calling us at (877) 888-4480 or writing us at: Customer Service, P.O. Box 6425, North Logan, Utah 84341.
Third-Party Service Providers. We may engage a third party such as Rapid Financial Solutions to assist us in administering, supporting, and/or marketing the Card program and otherwise performing our obligations under this Agreement.
Delay of Rights. We can waive or delay enforcement of any of our rights under this Agreement without losing them.
No Assignment by You. You may not assign or transfer this Agreement or any of your rights or obligations under this Agreement. Any attempt to the contrary (such as the grant of a security interest) shall be null and void. This Agreement shall be binding on you, your executors, administrators, and any permitted assigns.
Invalidity. If any term of this Agreement is determined to be invalid under applicable law, the remaining terms shall continue in effect as if the invalid term had not been included.
Change in Terms. Subject to the limitations of applicable law, we may at any time add to, delete or change the terms of this Agreement by sending you a notice. We will not change the fees or terms and conditions of expiration. Advance notice may not be given, however, if we need to make the change immediately in order to maintain or restore the security of the Card or any related payment system.
Governing Law/Jurisdiction. All matters, whether sounding in contract, tort or otherwise, relating to the validity, construction, interpretation or enforcement of this Agreement shall be determined by the laws of the United States and, to the extent not inconsistent therewith, the laws of the State of Utah. You consent and submit to the exclusive jurisdiction of the state and federal courts located in Cache County, Utah in all controversies arising out of or in connection with your use of the Card and this Agreement.
Entire Agreement. This Agreement sets forth the entire understanding and agreement between you and us, whether written or oral, with respect to its subject matter and supersedes any prior or contemporaneous understandings or agreements with respect to its subject matter.
Your Representations and Warranties. You represent and warrant to us that: (i) you are a U.S. citizen or legal alien residing in one of the 50 states or the District of Columbia; (ii) the personal information that you provide to us in connection with the Card is true, correct and complete; (iii) you reviewed this Agreement and agree to its terms; (iv) you accept the Card; and (iv) you will not use the Card to purchase illegal goods or services or to violate any law.
Arbitration of Disputes. Except as expressly provided below, any controversy that arises out of or is related to (a) the Card, (b) any service relating to the Card, or (c) this Agreement, whether based on statute, contract, tort or any other legal theory, in which the aggregate amount in controversy for all claimants exceeds $15,000, including interest and attorneys’ fees, (any “Claim”) will be settled on an individual basis by binding arbitration under the Federal Arbitration Act (“FAA”). Judgment on the arbitration award may be entered in any court having jurisdiction. Any dispute regarding whether a particular controversy is subject to arbitration will be decided by the arbitrator(s). If any part of the damages or other relief requested is not expressly stated as a dollar amount, the controversy will be a Claim that is subject to arbitration. You and Bank acknowledge and agree that the transactions contemplated by use of the Card, and any controversy that may arise under or relate to the Card, Card services, or this Agreement involve “commerce” as that term is defined and used in the FAA. The arbitration will be administered by the American Arbitration Association (the “AAA”) under its Commercial Arbitration Rules (the “Arbitration Rules”). We will tell you how to contact the AAA and how to get a copy of the Arbitration Rules without cost if you ask us in writing to do so. The Arbitration Rules permit you to request deferral or reduction of the administrative fees of arbitration if paying them would cause you a hardship. Any in-person arbitration hearing will be held in Cache County, Utah, where our employees and records of the Card are located. It is within the arbitrator’s discretion to order the arbitration to take place by telephone. Each arbitrator shall be a licensed attorney who has been engaged in the private practice of law continuously during the 10 years immediately preceding the arbitration or a retired judge of a court of general or appellate jurisdiction. The arbitration award shall award only such relief as a court of competent jurisdiction could properly award under applicable law, including attorneys’ fees if allowed by applicable law or agreement, and may award to the prevailing party all pre- and post-award expenses of arbitration. All statutes of limitation, defenses, and attorney-client and other privileges that would apply in a court proceeding will apply in the arbitration. The filing of a demand for arbitration in accordance with the Arbitration Rules will be deemed the commencement of an action for purposes of any applicable statute of limitations. There will be no class Claims—Claims by or on behalf of other persons will not be considered in or consolidated with the arbitration proceedings between you and Bank. The Agreement does not limit the right of you or us, whether before, during or after the arbitration proceeding, to obtain provisional or ancillary remedies or injunctive or other traditionally equitable relief (other than a stay of arbitration) necessary to protect the rights or property of the party seeking relief pending the arbitrator’s determination of the merits of the Claim or the Bank’s exercise of self-help remedies, such as the right of set-off. The taking of any of the actions described in the preceding sentence by either party or the filing of a court action by a party shall not be deemed to be a waiver of the right to demand arbitration of any Claim asserted as a counterclaim or the like in response to any such action. This arbitration provision will survive the termination of your relationship with Bank, whether evidenced by this Agreement or otherwise. You understand, acknowledge and agree that: you have read carefully this provision in which you and Bank have agreed to arbitrate disputes; this provision limits or waives certain of your rights, including the right to bring a court action and to have a jury trial; there will be no class claims in arbitration; discovery may be more limited in arbitration than in a court proceeding; the right and grounds to appeal from an arbitrator’s award are more limited than in an appeal from a court judgment; and certain other rights you have in a court proceeding also may not be available in arbitration.
Questions. If you have questions regarding your Card, you may call us at (877) 888-4480 or write to Customer Service, P.O. Box 6425, North Logan, Utah 84341. When you use your Card to initiate a transaction at certain merchants (e.g., gas stations, hotels, restaurants, and car rentals), the merchant may request confirmation of the Card’s validity and authorization for the transaction. Note: The amount may be estimated by the merchant and may include a gratuity. You agree that we may place a temporary hold on your Card balance for the estimated amount, even if it exceeds the amount of your ultimate transaction. Any excess will be released later after the transaction is finally settled through the system.
Your Obligation for Overdrafts. There is no overdraft/credit feature associated with this card. You agree not to conduct transactions which would cause your Card balance to become overdrawn. If a merchant attempts to process a transaction for more than your Card’s available balance, the transaction may be declined. If you conduct transactions in an amount that exceeds the balance on your Card, you agree to pay us the overdrawn amount immediately, without further demand.
Merchant Refunds and Disputes. Depending on the merchant, any refund for goods or services purchased with the Card may be made in the form of a credit to the Card. You are not entitled to receive a cash refund.
We are not responsible for the delivery, quality, safety, legality or any other aspect of goods and services that you purchase from others with a Card. All such disputes should be addressed to the merchants from whom the goods and services were purchased.
Foreign Transactions. If you conduct a transaction in a currency other than U.S. dollars, the merchant, network or card association that processes the transaction may convert any related debit into U.S. dollars in accordance with its then current policies. MasterCard currently uses a conversion rate that is either: (a) selected from a range of rates available in the wholesale currency markets on or one day prior to its central or transaction processing date (note: this rate may be different from the rate the association itself receives), or (b) the government-mandated rate. The conversion rate may be different from the rate in effect on the date of your transaction and the date it is posted to your Card. We may impose a charge on the transaction amount (including reversals) for each transaction that you conduct outside the United States or in a foreign currency. This charge is in addition to any applicable ATM fee. See Fees and Charges section.
Fees and Charges. We will charge you, and you agree to pay, the fees and charges set forth below. We normally deduct fees and charges automatically from the Card balance at the time a fee or charge is incurred.

Your funds will be held at or transferred to Axiom Bank, an FDIC-insured institution.
Once there, your funds are insured up to $250,000 by the FDIC in the event that Axiom Bank fails, if specific deposit insurance requirements are met and your card is registered. See fdic.gov/deposit/deposits/prepaid.html for details.
No overdraft/credit feature.
Contact Rapid Financial Solutions by calling 833-401-0008 , by mail at P.O. Box 6425, North Logan, Utah 84341, or visit www.maxmo.vip.
For general information about prepaid accounts, visit cfpb.gov/prepaid.
If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.