Terms of Service
    These Terms of Service (“TOS”) are effective as of March 1st 2016 and govern the terms under
    which you may access and use this website and the money transfer services associated with it
    (the “Service”). As used herein, the term “You” and terms of similar import mean the person
    accessing and using the Service. Also as used herein, the term “this website” and terms of similar
    import mean the JN Money website through which you have accessed these TOS and through
    which you can access the Service. The Service is offered from Jamaica by JN Money Services
    Ltd; from the USA by JN Money Services USA Inc.; from the United Kingdom by JN Money
    Services UK Ltd; from Canada by JN Money Services Canada Ltd and from the Cayman Islands
    by JN Money Services Cayman Islands Ltd. As used herein, the term “Provider” means the
    company operating in the country from which the transaction originates. For example, if the
    transaction originates from the United Kingdom the Provider would be JN Money Services UK
    Ltd and if it originates from the USA the Provider would be JN Money Services USA, Inc. These
    TOS forms a contract between you and the relevant Provider only. By accessing and using the
    Service, you are agreeing to these TOS, which constitutes a contract between you and the
    relevant Provider. These TOS do not constitute a contract between you and any other party
    including the owner of the website if different from the Provider. You may not access or use the
    Service if you do not agree to be bound by these TOS.

    1. ELECTRONIC COMMUNICATIONS
    You understand and agree that these TOS will be entered into electronically, and that the
    following categories of information (“Communications”) may be provided by electronic means:
    (i) these TOS and any amendments, modifications or supplements to them; (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 applicable law;
    (iv) any customer service communications, including without limitation communications with
    respect to claims or error or unauthorized use of the Service; and (v) any other communication
    related to the Service or Provider.
    Although the Provider reserves the right to provide Communications in paper format at any time,
    you agree that it is under no obligation to do so. All Communications in either electronic or
    paper format will be considered to be “in writing” and in accordance with applicable law. You
    should print a paper copy of these TOS, any transaction record and any other Communication
    that is important to you and retain them for your records. If you do not wish to receive these TOS
    or the Communications electronically, you may not use the Service. You may withdraw your
    consent to receive Communications electronically, but if you do, your use of the Service will be
    terminated. To withdraw your consent, you must contact us by one of the contact methods
    described in Section 23 of these TOS.
    To access and retain Communications, you must have: (i) an Internet browser that supports 128-
    bit encryption, such as Netscape Navigator version 4.0 or above or Internet Explorer version 4.0
    or above, (ii) an e-mail account and e-mail software capable of interfacing with the Provider’s email
    servers, (iii) a computer, operating system and telecommunications connection to the
    Internet capable of supporting the foregoing, (iv) sufficient electronic storage capacity on your
    computer’s hard drive or other data storage unit, and (v) a printer that is capable of printing from
    your browser and e-mail software. In addition, you must promptly update us with any change in
    your email address by updating your profile by following the instructions on this website (or
    such other website to which the Provider may direct you).
    Subject to applicable law, Communications may be posted on JN Money website or on another
    website disclosed to you, or sent to the e-mail address you provide. All Communications will be
    deemed to have been received by you immediately after the Provider sends it to you by e-mail or
    posts the Communication on the website, whether or not you have received the e-mail or
    retrieved the Communication from the website. A Communication by e-mail is considered to be
    sent at the time that it is directed by the Provider’s e-mail server to the e-mail address provided
    by you. A Communication posted to a website is considered to be sent at the time it is publicly
    available. You agree that these are reasonable procedures for sending and receiving
    Communications.

    2. OVERVIEW OF THE SERVICE
    The Service enables you to (1) create a customer profile by registering on jnmoneytransfer.com,
    (2) send a money transfer or make a payment with your debit card or other mechanisms that the
    Provider may make available to you (each, a “Payment Instrument”) to particular recipients
    (each, a “Recipient”) in different countries around the world (each, a “Destination Country”)
    Each such request to send money or make payments using a Payment Instrument is a
    “Transaction.” The amount sent is the “Transaction Amount.”
    The Service is offered through the www.jnmoneytransfer.com website. Records are maintained
    by the Provider about your customer login profile and Transactions. By initiating a Transaction
    through the Service, you are instructing the Provider to transfer your funds through your
    Payment Instrument (details of which are provided by you) to Recipient. The Provider is not a
    bank and operates solely as a Money Services business transferring funds from a Sender in one
    country to a Recipient in Destination Country.

    3. REGISTRATION
    1. Eligible Users. You must be an individual at least 18 years of age and be able to enter into legally
    binding contracts under applicable law. You must have a valid residential mailing address and an
    active e-mail address. You must have either (i) a valid debit card or (ii) a deposit account with a
    financial institution in region/country. Your residential mailing address must match the billing
    address for your debit card and/or deposit account (as applicable).
    2. The Service may not be available in whole or in part in different states, countries, and jurisdictions.
    Other restrictions may apply.
    3. Registering to access the Service. You must register on jnmoneytransfer.com to initiate and
    complete a Transaction. To register, you must provide complete and accurate information about
    yourself sufficient to verify and confirm your identity. Such information will include (but not
    limited to),your name, address, date of birth, country of residence and citizenship, personal
    telephone number, occupation or nature of principal business, business telephone number (if one
    exists) and applicable national identifier such as a Passport or Driver’s License. When registering
    for the service in the UK, Canada, USA or the Cayman Islands, customers are being asked to
    submit one (1) valid photo ID and one (1) proof of address document. Below is the list of
    acceptable document types for each market.

     

     

    Document Type UK USA Canada Cayman Islands
    Valid Photo ID UK Drivers Licence USA Drivers Licence Canadian Driver’s Licence Cayman Drivers   Licence
    UK Passport USA Passport Canadian Passport Cayman Islands Passport
    Passport from country of birth Passport from country of birth Passport from country of birth (only if Canadian ID is not available). Passport from country of birth
    Permanent Resident Card (Green Card)  Permanent Resident Card  
     
    UK USA Canada Cayman Islands
    Proof of Address (Issued within last 3 months) Utility Bill Utility Bill Utility Bill Utility Bill
    Bank Statement Bank Statement Bank Statement Bank Statement

     

    4. To complete registering for the service in the Cayman Islands, you will need to visit the JN Money
    Branch and present (i) Valid Photo ID and (ii) Proof of address as outlined above.
    5. Each Provider reserves the right to require additional identification information and/or
    documentation and to accept or reject your registration. You agree that you will promptly update
    any information provided by you if the information changes.
    6. For Canadian and UK customers – Identity Verification
    By agreeing to these Terms of Service, You authorize JN Money Services Limited (Jamaica), JN
    Money Services Canada Limited and JN Money Services UK Limited, either directly or through a
    third party, to validate your identity based on the information You provided during the registration
    process.
    7. Accessing Your Customer Login. You will create a unique user ID and password to access your
    profile. Your user ID together with your password has the same effect as your written signature and
    can be used to authorize Transactions. Contact Provider immediately if you suspect your password
    or user ID has been compromised.

    4. SECURITY
    1. Security Procedures. Access to your customer profile and your ability to initiate and authorize a
    Transaction will be verified based on security procedures that are offered as part of the Service.
    Each time you attempt to login to www.jnmoneytransfer.com, you will be asked to provide your
    unique user ID and password. Providing this information will enable you to complete a Transaction
    and access other services available on the website. You agree to follow any additional on-screen
    instructions from Provider with regards to security of your customer profile. You also agree to
    update and upgrade your Internet browser software on a regular basis as such updates or upgrades
    may become available from time to time. You acknowledge and agree that this Security procedure
    is commercially reasonable and acceptable.
    2. Confidentiality of Security Procedures. You agree to keep your password and user ID secure and
    confidential at all times and not divulge your password or user ID to any other person (including
    any employee or agent of the Provider). You also agree not to use another person’s password or
    user ID. If, notwithstanding the foregoing prohibition, you disclose your password to another
    person or persons or if the security of your password or user ID is breached you will be deemed to
    have authorized such person or persons to use your password, user ID and customer profile for any
    and all purposes, without limitation and you and all such person(s) will be prohibited from
    accessing the Service through this website. You agree that the Provider will not have any
    responsibility or liability to you or any other person for any losses or damages which you or anyone
    else may suffer arising from your disclosure of your password and/or user ID and you hereby agree
    to indemnify and keep indemnified the Provider in respect of any loss damage cost and expenses
    arising by reason of such disclosure.
    3. Breach of Security. If you believe that your user ID or password has become known to any
    unauthorized person or become otherwise compromised, you must notify the Provider immediately
    by using one of the methods prescribed in Section 23 of these TOS. In such case, you must
    immediately discontinue using the Service until such time as security has been restored.

    5. SENDING A MONEY TRANSFER
    1. Information. To send a money transfer you have to create a customer profile by registering
    on www.jnmoneytransfer.com, and following the security procedures, and providing complete and
    accurate information about yourself, as requested by the Provider. Thereafter you have to login and
    provide complete and accurate information as requested by the Provider about the Transaction, the
    Recipient (sufficient to verify identity) and the legitimate purpose for the Transaction (if requested)
    and the funding source for your Transaction Amount, where applicable. Provider reserves the right
    to require additional identification information and/or documentation and to accept or reject your
    request to send a money transfer.
    2. Service Fees. In consideration for the use of the Service, you agree to pay applicable fees for each
    Transaction (“Service Fees”). The Service fees will be disclosed to you prior to your final
    submission of a Transaction for processing and will be added to the Transaction Amount, resulting
    in a total amount that will be higher than the amount you requested to be sent to the Recipient.
    Payment of the Service Fee (together with the Transaction Amount) is due at the time the
    Transaction is submitted for processing. The standard Transaction Service Fee can be determined
    using the Fee Calculator provided on this website. Service Fees are subject to change upon prior
    notification posted on this website or by notice given to you by any method permitted under these
    TOS and applicable law.
    3. Exchange Rate. If you access and use this website and the Service associated with it the payment to
    the recipient is converted from dollars or pounds to the local disbursing currency, the exchange
    rate, to the extent required by applicable law will be shown to you prior to your final submission of
    a transmission for processing.

    6. FUNDING A TRANSACTION
    1. Initiate a Transaction. You can initiate and pay for a Transaction by using cash (in-branch only),
    cheque (in-branch only) or a debit card (in-branch and/or online).
    2. Authorization for Payment. In order for Provider to collect payment for the Transaction Amount
    and Service Fee from, you, you authorize the Provider to access, charge, or debit funds from any of
    the Payment Instruments you use for funding the Transaction. If your payment fails for any reason
    you authorize Provider 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 or your debit card payment fails to go through for technical or other reasons, we
    may try to debit your bank account or charge your debit card at a later time. You represent and
    warrant that you are the lawful owner of the Payment Instrument that you use.
    3. Fees Imposed by the Issuer of your Payment Instrument. Provider does not control and is not
    responsible in any manner for any fees or charges that may be imposed by the issuer of your
    Payment Instrument. In particular, some debit card issuers may treat the use of your debit card to
    fund your Transaction as a “cash advance” rather than a purchase transaction and may impose
    additional fees and interest charges for the Transaction. These fees are imposed by your debit card
    issuer, not by Provider. You can avoid most cash advance fees by paying with a debit card. Contact
    your debit card issuer for more information.
    4. Additional fees for Non-Standard services. There may be additional fees for non-standard services
    related to your Transaction. A “Non-Standard Service” would be any element of the Service that
    you specifically request from a customer service representative (orally, by email, or by any other
    means) to manage your Transaction that would not otherwise be provided by the Provider as a
    standard part of the Service. To the extent required by applicable law, fees imposed by the issuer of
    your Payment Instrument will be disclosed to you prior to your submission of a Transaction for
    processing.
    5. Failed Transactions. If your attempt to fund a Transaction is reversed, rejected for insufficient
    funds or any other reason, or is charged back for any reason (as set out in Section 6(b) above) and
    Provider, in its discretion, re-submits the Transaction Amount to your funding Instrument, in all
    such cases you consent to pay all standard and Non-Standard Service Fees (as that term is defined
    in Section 6(d) above). Provider will charge and collect from you a nominal fee for any uncollected
    or reversed Transaction, together with any collection expenses, court costs and reasonable
    attorneys’ fees incurred. You agree to hold Provider harmless from any losses, costs, expenses or
    damages it may incur in connection with any failed Transactions or in defending any actions or
    court proceedings arising from any failed Transactions, including attorneys’ fees. You
    acknowledge that you may be reported to a collection agency or credit bureau if you do not pay the
    sums due in accordance with these TOS.

    7. DISBURSING A TRANSACTION
    1. Service Providers. Your Provider works with local banks, money transfer agents and other third
    party service providers (each, a “Service Provider”) to disburse Transaction Amounts to Recipients.
    You, in your capacity as a Sender, hereby appoint your Recipient as your agent for the purpose of
    receiving funds in connection with the Service.
    2. Disbursement Mechanisms. The Transaction Amount will be disbursed to the Recipient in the
    manner that you specify from the list of available disbursement options at the time you initiate your
    Transaction (each, a “Disbursement Mechanism”). Disbursement Mechanisms vary by Destination
    Country but generally include disbursement by cash pickup at agent locations or at ATMs/Bank
    machines, and by direct deposit (money transfer to a third party – such as financial institutions,
    utility companies or other bill payment accepting institution). You cannot change the Disbursement
    Mechanism after you submit your Transaction. A Local Service Provider or Agent will disburse
    your funds to your Recipient if you select cash pickup. For Jamaica only, Recipients can collect
    funds at ATMs/Bank Machines if you opted to send funds for cash pickup to their JN Money Card.
    Cash pickup means that the Recipient can go to a designated Local Service Provider branch office,
    Agent or ATMs/Bank machines to receive funds, in person. Direct Deposit means that the funds
    will be delivered directly into the Recipient’s bank account or in the Recipient’s account at a third
    party such as financial institutions, Utilities Company or payment accepting institutions. Note that
    the time it takes to disburse funds may depend on the accuracy of the information you provide.
    3. Currency of Disbursement/Exchange Rate. Funds are disbursed in the currency of the Destination
    Country to which the funds are remitted. The Provider sets the exchange rate for the Transaction at
    the time you complete the Transaction using methods as the Provider may deem appropriate (which
    is normally based on a rate obtained by the Provider from one or more correspondent banks that
    convert funds into the currency of the Destination Country). When you pay for a Transaction in one
    currency and the Recipient is paid in another currency, there may be a difference in the exchange
    rates. YOU AGREE THAT SUCH PROCESS IS APPROPRIATE AND ACCEPT THE
    OUTCOME THAT RESULTS FROM IT. PROVIDER MAY MAKE MONEY WHEN FUNDS
    ARE CONVERTED TO A FOREIGN CURRENCY FOR DISBURSEMENT.
    4. Timing of Disbursement. The Transaction Amount will be made available for disbursement to
    Recipient as soon as possible and within a reasonable time, subject to possible delays associated
    with the verification procedures, receipt of cleared funds through your Payment Instrument,
    attempts to contact and locate your Recipient, currency availability, and the conditions, laws, and
    regulations applicable in the Destination Country. The availability of funds may be affected by
    events beyond our control, such as civil disturbances, weather conditions, delays caused by failures
    in telecommunications and technological processes, distance from Service Providers to the address
    and location of Recipient, acts of God or other recognized force majeure. The Provider therefore
    cannot and does not guarantee when a particular Transaction will be disbursed.
    5. Transaction Failure. Transaction Failure. If a Transaction Amount is undeliverable for any reason,
    or is not collected within one (1) year from the date of transfer, then charges may be assigned to the
    Transaction as outlined in the Provider’s Undisbursed Policy (which shall be deemed to be
    incorporated these TOS). Generally, you will be credited the Transaction Amount; however,
    because of currency export controls in effect in certain Destination Countries, it may not be
    possible to credit the amount to you if the funds have been converted into a local currency. If this
    occurs, you will be given the opportunity to designate a different Recipient residing in the same
    Destination Country as the original Recipient. You may be charged Non-Standard Service Fees for
    processing and handling of such Transactions (as that term is defined in Section 6(d) above). After
    a disbursement has become undeliverable, rejected or uncollected for one year, should the Provider
    using reasonable methods of communication (e.g., email, telephone, and/or written notice) be
    unable to contact you for another 30 days using the contact information provided by you, then on
    such occurrence you authorize Provider, using its sole discretion, to designate an alternate
    Recipient to receive the Transaction Amount, or to hold the funds in a no-interest bearing suspense
    account on your behalf.

    8. LIMITATIONS OF SERVICE
    1. General Restrictions. The Provider may, in its sole discretion, refuse to process any Transaction or
    limit the amount to be transferred, either on a per transaction basis or on an aggregated basis. In all
    such events, any limit placed on the Transaction Amount is at the sole discretion of the Provider
    and may be changed from time to time. You may not maintain multiple profiles through this
    website or through any other website for which the Provider provides a similar service. For purpose
    of these limitations, the Provider will aggregate funds from the same debit card, check card and
    deposit account, regardless of the name of the sender. Moreover, funds initiating from the same
    address or being received at the same address are subject to aggregation and limitation. For
    example, if you and your spouse each charge the same debit card account $2,500 to fund
    Transactions, your funding requests will be combined and you each will be considered, for purpose
    of the limitation, to have sent $5,000 in aggregate Transactions.
    2. Cessation of Service. Provider reserves the right at any time and from time to time to modify or
    discontinue the Service (or any part thereof) with or without notice, subject to applicable law.
    3. Limitation on Use. The Provider may limit your ability to complete a Transaction because of
    compliance and regulatory requirements within the respective Destination Country. Regulatory
    limitations may include, but not limited to; setting of caps on Transaction Amounts and frequency
    of transactions over a specific time period. These limitations may vary based on various factors,
    including how you fund a Transaction (i.e., by debit card or ACH), source of funds, and how many
    other Transactions you have initiated recently. The Provider may, in its sole discretion, grant
    limited exceptions to these restrictions on a caseby- case basis subject to Senders providing
    additional specified information about themselves, the Recipient, the source of funds and their
    Transactions. Contact the Provider to request an exception using one of the methods prescribed in
    Section 23 of these TOS. Provider reserve the right to change the foregoing limitation at any time.
    4. Forbidden Transactions. The Service may not be used for the improper, unlawful, or fraudulent
    transfers of funds (“Forbidden Transactions”). Forbidden Transactions include but are not limited
    to: (a) attempts to transfer or the transfer of funds using stolen, unauthorized, or otherwise
    compromised credit card, check card, debit card, bank account, or Account information, (b)
    attempts to transfer or the transfer of funds using an account with insufficient funds (c) seeking
    reimbursement of funds that have already been disbursed, (d) laundering of funds, (e) attempts to
    transfer or the transfer of funds using monies that have been stolen or otherwise obtained from
    illegal or unlawful means (f) use of the Service in connection with gambling, pornography or for
    any other unlawful or illegal purposes, (g) use of the Service to fund terrorist organizations or
    individuals identified as being associated with terrorism from time to time by appropriate
    governmental authority or agency in corresponding countries/regions (h) undertaking or attempting
    to undertake transactions which violate applicable laws of the Sending or Destination Country,
    international laws, debit card association rules and regulations, or the laws of any other relevant
    jurisdiction and (i) attempts to send a Transaction in excess of the upper limit or aggregate amount
    (if multiple Transactions) allowed by the Provider.
    5. Commercial Transactions. You should not use the Service to send money to persons that you do
    not know personally or through valid business dealings. The Provider is not responsible for the
    quality, safety, legality, or delivery of goods or services that you pay third parties through using the
    Service. You acknowledge that any use of the Service to pay for such goods and services is at your
    own risk. If the Provider discovers you are using the Service to purchase such goods or services,
    we reserve the right to cancel your transaction(s).
    6. Ineligible Recipients. The Provider reserves the right to refuse disbursement to certain Recipients,
    countries, territories, addresses or other geographic designations in their sole discretion, including
    without limitation, destinations and individuals that are included on the Specially Designated
    Nationals list, Non-cooperative Countries and Territories list, and such other lists as may be issued
    from time to time by respective government agencies, and other sources. You acknowledge that in
    certain circumstances Provider may be required to freeze Transaction Amounts and/or suspend a
    Recipient’s receipt of Transaction Amounts, and/or segregate those funds in compliance with an
    order by a court of competent jurisdiction, government body or relevant authority or any applicable
    law. You agree to hold the Provider harmless in respect of any loss or damage arising from such
    events. For the avoidance of doubt, the Provider will be entitled to recover from the Sender all loss,
    damage and legal cost (with interest thereon) that it may incur in dealing with such orders or
    requests, including defending and/or pursuing any court action.

    9. CANCELLATION AND REFUNDS
    You may cancel and obtain a refund of a Transaction upon written request, subject to section 7d
    of these TOS, if, at the time your request is processed, the Transaction has not already been
    released to a Local Service Provider. Cancellation requests must include the following
    information: (a) your full name, address, and phone number, (b) Recipient’s full name, address,
    and phone number, (c) the date of the Transaction, (d) the location to which the Transaction
    Amounts were to be disbursed, and (e) the amount of the Transaction. Send your written request
    to jnmtonline@jngroup.com. Oral cancellation requests will not be accepted.
    Refunds of the Transaction Amounts only (excluding Service Fees) will be permitted. Refunds
    will be credited to the Payment Instrument used and will be made in the original Transaction
    currency. If the Transaction Amount has already been converted to another currency it will be reconverted
    to the original currency. In such event the refunded amount may be less than the
    original Transaction Amount. An additional Non-Standard Service Fee (as defined in Section
    6(d) above) will be charged in respect of any cancellation of a Transaction. Under no
    circumstance will cancellations be permitted and refunds made if a Transaction has already been
    disbursed to the Recipient.

    10. PRIVACY POLICY/COLLECTION OF INFORMATION
    By agreeing to these TOS, you acknowledge and consent to the Provider’s Privacy Policy. The
    Privacy Policy can be found on the website (or such other website to which the Provider may
    direct you). In addition, you agree that the Provider will own and possess the data that you
    provide in connection with the Service. You also agree that the Provider may use such
    information to provide the Service; to implement marketing programs; to help protect against
    money laundering, financing of terrorism, fraud and other civil or criminal misdemeanors and to
    conduct research and analysis and for statistical purposes. In addition, you agree that the
    Provider may disclose such information for the same purposes to its parent company and
    affiliates and to authorized persons and companies that work with the Provider, including the
    portal through which you access the Services. For example, the Provider may provide certain
    information to companies that perform business operations or services, including marketing and
    processing services, on the Provider’s’ behalf. You also authorize the Provider to disclose your
    confidential information and data to (i) law enforcement and other regulatory agencies in any
    country for the purpose of detecting and combating money laundering, terrorism and terrorist
    activities or the financial or regulatory integrity of the Provider or otherwise to comply with the
    laws, regulations (including court order or subpoena) or administrative rules of any country in
    which the Provider operates or to which it remits funds. If you do not wish the Provider to
    disclose such information as provided above you should not use the Service. You may withdraw
    your consent to disclose such information, but if you do, your use of the Service will be
    terminated. To withdraw your consent, you must contact the Provider by one of the contact
    methods prescribed in Section 23 of these TOS.

    11. RECORDS AND REPORTS
    The Provider maintains records of your Transaction history to the extent required under
    applicable law. Records will be updated on a continuing basis as Transactions are made and
    received.

    12. YOUR LIABILITY FOR UNAUTHORIZED TRANSACTIONS
    You must tell the Provider at once if you believe your password has been lost or stolen, or if your
    customer profile has been compromised in any way, or if someone has transferred or may
    transfer money without your permission (an “Unauthorized Transaction”). The best way to
    minimize your possible losses is to telephone or email the Provider immediately you become
    aware of a breach or possible breach of your user ID and/or password. Contact information for
    the Provider is set out in Section 23 of these TOS. You will be liable for all losses which you
    may suffer in respect of Transactions which occurred or which were initiated (even if not
    completed) before you notify the Provider of any Unauthorized Transaction or loss or theft of
    your password or User ID or any other matter which may result in loss to you. Losses which
    occur after you have given us due notice will be reimbursed by us if the Transaction was initiated
    after such notice provided that our liability shall be limited as provided in Section 18 below.

    13. ACCURACY OF INFORMATION YOU PROVIDE
    You represent and warrant that all information you provide in connection with the Service,
    including but not limited to information about yourself, your Funding Instrument, the source of
    funds, the purpose of the Transaction and your Recipient, will be complete and accurate in all
    respects. The Provider is entitled to rely on any such information in allowing you access to use
    the Service. You agree to update your personal information if it changes. The Provider reserves
    the right, in its sole discretion, to take steps to verify the information you provide. Your ability to
    use the Service may be terminated at any time and any pending Transactions may be cancelled if
    you provide false or inaccurate information. In addition, you may be subject to civil and/or
    criminal proceedings with attendant fines, penalties or money judgments if you provide false
    information to gain access to the Service.

    14. INDEMNITY
    You agree to indemnify and hold the Provider and its affiliates, subsidiaries, officers, agents, cobranders
    and other partners, directors, and employees, harmless from any claims or demands,
    and be liable for any loss and damage (including reasonable attorneys’ fees), made by any third
    party due to or arising out of your use of the Service, your connection to the Service, your
    violation of these TOS, or your violation of any rights of another person in connection with your
    use of the Service.

    15. RESALE OF SERVICE
    You agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes,
    any portion of the Service, use of the Service, or access to the Service, other than as provided
    within the scope of the Service.

    16. PROVIDER’ INTELLECTUAL PROPERTY
    You acknowledge that the Service, including but not limited to the content of this website and all
    other intellectual property (text, graphics, links, buttons, logos, and images, as well as all other
    copyrights, trademarks, service marks, logos, and product and service names) are owned
    exclusively by the Provider and/or their partners and shall remain the property of the Provider
    and/or their partners (“Provider’s Intellectual Property”). You agree not to display, use, copy, or
    modify Provider’s 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, noncommercial use. You further
    agree not to: (a) use any robot, spider, scraper or other automated device to access the Service or
    (b) remove or alter any author, trademark or other proprietary notice or legend displayed on this
    website (or printed pages thereof).
    ANY USE, COPYING OR REPRODUCTION OF TRADEMARKS, LOGOS OR TAG LINE
    CONTAINED IN THIS WEBSITE, WITHOUT PROVIDER’S PRIOR WRITTEN
    PERMISSION IS STRICTLY PROHIBITED.

    17. DISCLAIMER OF WARRANTIES
    YOU EXPRESSLY UNDERSTAND AND AGREE THAT THE SERVICE IS PROVIDED ON
    AN “AS-IS” AND “AS AVAILABLE” BASIS. (a) THE PROVIDER EXPRESSLY DISCLAIM
    ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING
    BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY,
    FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT; (b) THE
    PROVIDER MAKES NO WARRANTY THAT (i) THE SERVICE WILL MEET YOUR
    REQUIREMENTS, (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE,
    OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF
    THE SERVICE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY
    PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU
    THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS, AND (v) ANY ERRORS
    IN THE SOFTWARE WILL BE CORRECTED. ANY MATERIAL DOWNLOADED OR
    OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR
    OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY
    DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM
    THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION,
    WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM PROVIDER OR
    THROUGH OR FROM THE SERVICE OR FROM THIS WEBSITE SHALL CREATE ANY
    WARRANTY NOT EXPRESSLY STATED IN THESE TOS.

    18. LIMITATION OF LIABILITY
    EXCEPT FOR ANY RIGHT TO A REFUND EXPRESSLY DESCRIBED HEREIN, YOU
    UNDERSTAND AND AGREE THAT THE PROVIDER, NOR LOCAL SERVICE PROVIDER
    SHALL BE LIABLE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL,
    CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO,
    DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE
    LOSSES (EVEN IF A PROVIDER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH
    DAMAGES) RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE
    SERVICE; (ii) DELAY, NONPAYMENT, OR UNDERPAYMENT OF ANY MONEY
    TRANSFER; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR
    TRANSMISSIONS OR DATA, INCLUDING A BREACH OF PROVIDER’S SECURITY; (iv)
    STATEMENTS OR CONDUCT OF ANY THIRD PARTY ABOUT THE SERVICE; AND (v)
    FAILURE TO MAINTAIN THE CONFIDENTIALITY OF ANY INFORMATION SUPPLIED
    TO THE PROVIDER BY YOU.
    IF PROVIDER, IS DEEMED LIABLE TO YOU IN CONNECTION WITH ANY
    TRANSACTION MADE OR NOT MADE IN ACCORDANCE WITH THESE TOS, THE
    MAXIMUM AGGREGATE LIABILITY OF PROVIDER SHALL BE THE
    CORRESPONDING TRANSACTION AMOUNT, WITHOUT INTEREST, UNLESS
    OTHERWISE REQUIRED BY APPLICABLE LAW.

    19. EXCLUSIONS AND LIMITATIONS
    TO THE EXTENT THAT APPLICABLE LAW IN THE JURISDICTION FROM WHICH
    YOU ACCESS AND USE THE SERVICE DOES NOT ALLOW THE EXCLUSION OF
    CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR
    INCIDENTAL, CONSEQUENTIAL OR OTHER DAMAGES, YOU MAY NOT BE LIMITED
    BY THE TERMS IN PARAGRAGH 18. ACCORDINGLY, SOME OF THE LIMITATIONS
    OF THESE TOS MAY NOT APPLY TO YOU.

    20. DISPUTE RESOLUTION AND GOVERNING LAW
    This Arbitration Provision (“Provision”) facilitates the prompt and efficient resolution of any
    disputes that may arise between you and us. Arbitration is a form of private dispute resolution in
    which persons with a dispute waive their rights to file a lawsuit, to proceed in court and to a jury
    trial, and instead submit their disputes to a neutral third person (an arbitrator) for a binding
    decision. You have the right to opt-out of this Provision, which means you would retain your
    right to litigate your disputes in a court, either before a judge or jury. To exercise your right to
    opt-out you must provide us with written notice no later than 30 days after your customer login
    profile is first opened. If we do not receive your written notice within that time frame, your rights
    to opt out will terminate, and you agree that the provisions of this section will apply
    PLEASE READ THIS PROVISION CAREFULLY. IT PROVIDES THAT IF YOU DID NOT
    EXERCISE YOUR RIGHT TO OPT OUT OF ARBITRATION ALL DISPUTES (EXCEPT
    SMALL CLAIMS AND COLLECTIONS CLAIMS AS STATED BELOW) ARISING OUT OF
    OR CONNECTED WITH THESE TOS AND THE USE OF THE SERVICE SHALL BE
    RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO
    GO TO COURT. IN THE ABSENCE OF THIS PROVISION, YOU AND US WOULD
    OTHERWISE HAVE A RIGHT OR OPPORTUNITY TO BRING CLAIMS IN A COURT,
    BEFORE A JUDGE OR JURY, AND/OR TO PARTICIPATE IN OR BE REPRESENTED IN
    A CASE FILED IN COURT BY OTHERS (INCLUDING, BUT NOT LIMITED TO, CLASS
    ACTIONS). EXCEPT AS OTHERWISE PROVIDED, HEREIN YOUR ENTRY INTO THIS
    AGREEMENT CONSTITUTES A WAIVER OF YOUR RIGHT TO LITIGATE CLAIMS
    AND ALL RIGHTS TO BE HEARD BY A JUDGE OR JURY.

    1. Parties and Matters Subject to Arbitration. For purposes of this Provision, “us” means the Provider,
    their parents, subsidiaries, affiliates, licenses, predecessors, successors, assigns, and all of the
    employees, directors, parents, subsidiaries, affiliates, beneficiaries, agents and assigns of any and
    all of them. For purposes of this Provision, “you” includes your employees, parents, subsidiaries,
    affiliates, beneficiaries, agents and assigns. For purposes of this Provision, “Claim” means any
    claim, dispute, or controversy by either you or us, arising out of or relating in any way to these
    TOS, this Provision (including claims regarding the applicability, enforceability, or validity of this
    Provision), your Account, the Service, any Transaction, and our relationship. “Claim” also refers to
    any interaction or communication between you and us that occurred prior to or concurrent with
    entering into these TOS, including those Claims now in existence, regardless of present knowledge.
    “Claim” shall refer to claims of every kind and nature, including, but not limited to, initial claims,
    counterclaims, cross-claims and third-party claims. “Small Claims” means Claims where the
    amount claimed does not exceed US$5,000.00 (or the equivalent). “Collection Actions” means
    claims relating to your Account or the Service. All Claims (except Small Claims and Collection
    Actions), whether made individually or as member of a class, are subject to arbitration unless you
    opted out of arbitration as provided above, regardless of legal theory and remedy sought, including,
    but not limited to, claims based in contract, tort (including negligence, intentional tort, fraud, and
    fraud in the inducement), agency, statutory law (federal and state), administrative regulations, or
    any other source of law (including equity).

    2. Agreement to Arbitrate. Any Claim (except Small Claims and Collection Actions) arising out of or
    relating to these TOS, or the breach thereof, shall be referred to and be resolved and settled
    exclusively and finally by binding arbitration, in accordance with this Provision. The arbitration
    shall be conducted by a single arbitrator who shall be appointed jointly by both of us but failing
    agreement within fourteen (14) days after either of us has given to the other a written request to
    concur in the appointment of an arbitrator, he shall be appointed on the application by either of us,
    by the Appointer. If you are in the United Kingdom the Appointer shall be the President for the
    time being of the Chartered Institute of Arbitrators and the arbitration shall be conducted in London
    in accordance with the current Arbitration Act(s). If you are in the United States of America the
    Appointer shall be the American Arbitration Association and arbitration shall be conducted in
    accordance with the rules of the American Arbitration Association. The venue of such arbitration
    shall be New York or Miami, whichever City is closer to you. If you are in Canada the Appointer
    shall be the head of the Canada Bar Association-Alternative Dispute Resolution Section and the
    arbitration shall be conducted in Toronto under the Arbitration Act 1991 of Ontario. If you are in
    Jamaica the Appointer shall be the President for the time being of the Jamaica Bar Association and
    the arbitration take place in Kingston under the prevailing Arbitration Act of Jamaica. In you are in
    the Cayman Islands then the Appointer shall be the Cayman Islands Association of Mediators and
    Arbitrators and arbitration shall take place in George Town, Cayman Islands under the prevailing
    Arbitration Law.

    3. The single arbitrator’s authority. This is limited solely to individual Claims between you and us.
    The arbitration will not be consolidated with any other arbitration proceeding. THE
    ARBITRATOR SHALL NOT HAVE AUTHORITY TO AWARD PUNITIVE OR EXEMPLARY
    DAMAGES. Voluntary Waiver of the Right to a Jury Trial and Class Action Participation as a
    result of this Provision, neither you nor us shall have the right to litigate any Claim in court (except
    Small Claims and Collections Claims). We both hereby irrevocably waive the right to a jury trial
    on any Claim (excluding Small Claims and Collection claims). THUS YOU AGREE THAT YOU
    ARE VOLUNTARILY AND KNOWINGLY WAIVING ANY RIGHT YOU MAY HAVE TO
    GO TO COURT OR TO HAVE A JURY TRIAL IN ANY ACTION EXCLUDING SMALL
    CLAIMS OR COLLECTION ACTIONS. FURTHERMORE, NEITHER YOU NOR US WILL
    PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS IN ANY CLASS ACTION
    LAWSUIT OR ANY PRIVATE ATTORNEY GENERAL OR OTHER REPRESENTATIVE
    ACTION AGAINST THE OTHER OR WHICH IS ADVERSE TO THE INTEREST OF THE
    OTHER.

    4. Prohibition of Class Arbitration. If you did not opt out of arbitration then all Claims shall be
    resolved by binding arbitration on an individual basis. Claims made and remedies sought as part of
    a class action, private attorney general or other representative action are subject to arbitration on an
    individual (non-class, non-representative) basis. Therefore, the arbitrator has no authority to
    conduct class-wide proceedings and will be restricted to resolving individual Claims. UNDER
    THIS ARBITRATION PROVISION THERE IS NO RIGHT OR AUTHORITY FOR ANY
    CLAIMS TO BE ARBITRATED ON A CLASS BASIS. Arbitration will only be conducted on an
    individual Claim basis, and there is no right or authority to consolidate or join any of your Claims
    with any other Claims. YOU AGREE THAT YOU ARE VOLUNTARILY AND KNOWINGLY
    WAIVING ANY RIGHT TO PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF
    ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO
    ARBITRATION UNDER THIS PROVISION.

    5. The Arbitrator’s Award. The Arbitrator’s award may be enforced by any court of competent
    jurisdiction. For awards not in excess of US$5,000, upon the timely request of any party, the
    arbitrator shall provide a brief written explanation of the basis for the award. In the event an award
    exceeds US$5,000, or in which there is a request for equitable relief with a potential financial
    impact or value in excess of US$5,000, the award of the arbitrator shall be in writing and shall
    specify the facts and the law on which it is based. In such case, the arbitrator’s findings of fact must
    be supported by substantial evidence and the arbitrator’s conclusions of law must not be based on
    legal error or be erroneous under the applicable substantive law.

    6. Expenses. Regardless of who demands arbitration, we will pay all expenses of the arbitration,
    including the filing, administrative, hearing and arbitrator’s fees (“Arbitration Fees”), to the extent
    that the Arbitration Fees exceed the amounts you would be required to pay for filing a lawsuit in a
    court. Throughout the arbitration, each party shall bear his or her own attorney fees and expenses,
    such as witness and expert witness fees. Whichever party prevails in the arbitration of any Claim
    shall reimburse the other for any fees paid to the arbitration organization in connection with the
    arbitration.

    7. Binding Effect and Survival. You and we agree that, except as specifically provided for above, the
    arbitrator’s decision will be final and binding on all parties subject to this Provision. This Provision
    is binding upon you, us, and the heirs, successors, assigns, and related third parties of you and us.
    This Provision shall survive termination of your Account.

    8. Severability. If any portion of this Provision is deemed invalid or unenforceable under any law or
    statute consistent with the governing Arbitration Act, such a finding shall not invalidate any
    remaining portion of this Provision, these TOS, or any other agreement entered into by you with us.
    However, the prohibition on class arbitration is not severable from the remainder of this Provision.
    In the event that a court deems the prohibition on class arbitration to be invalid and unenforceable,
    any subsequent class action or representative proceeding shall be in a court of law and will not be
    subject to binding arbitration.

    21. GOVERNING LAW
    These TOS including this agreement to Arbitrate is made pursuant to a transaction involving
    money transfers from one country/region to another and shall be governed by laws of the country
    from which the funds were remitted or were intended to be remitted.

    22. GENERAL INFORMATION
    1. Entire Agreement. These TOS constitutes the entire agreement between you and the Provider and
    governs your use of the Service, superseding any prior agreements between you and Provider. You
    also may be subject to additional terms and conditions of third parties who are not subject to these
    TOS.
    2. No Waiver. The failure of the Provider to exercise or enforce any right or provision of these TOS
    shall not constitute a waiver of such right or provision. If any provision of these TOS 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 these TOS
    as reflected in the provision, and the other provisions of these TOS shall remain in full force and
    effect
    3. Modification. These TOS may be modified or amended by the Provider from time to time by
    posting an amended version on the website. You should therefore read these TOS each time that
    you use the Service because it may contain terms and conditions which differ from those which
    existed when you last used the Service. You can review the most current version of these TOS at
    any time by reviewing this website (or such other website to which the Provider may direct you).
    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
    will be deemed to have accepted that amendment or modification. You agree that you will not
    modify or attempt to modify or in any way tamper with these TOS and acknowledge that any such
    attempts by you will result in a breach of these TOS and abuse of the Provider’s intellectual
    property rights and shall be void and may result in criminal or civil action against you.
    4. Termination. The Provider reserves the right to terminate your ability to use the Service for any
    reason and may cancel any pending Transaction. Suspension or termination may occur if in the
    Provider’s determination (i) you have not properly funded a requested Transaction; (ii) you attempt
    to initiate a Transaction from a funding mechanism/payment instrument that does not belong to
    you; (iii) you use the Service, directly or indirectly for any Forbidden Transaction; (iv) you provide
    incorrect or false information about yourself, your accounts or about a Recipient; (v) you use or
    attempt to use the Service for tampering, hacking, modifying or otherwise corrupting the security
    or functionality of the Provider’ or any other website; (vi) the Provider receive conflicting claims
    regarding ownership of, or the right to use, an account used to fund a Transaction; (vii) the
    Provider receives a garnishment, levy or other legal process applicable to you, your login profile, or
    a Transaction; (viii) you have breached a term or condition of these TOS, or any representation or
    warranty that you make under these TOS is false; or (ix) the Provider determines that you are no
    longer actively using the Service. You agree that the Provider will not be held responsible or liable
    to you, any Recipient or any other person for such termination. Moreover, you understand the
    Provider may report suspicious transactions or activity to appropriate law enforcement authorities.
    Upon termination of your ability to initiate a Transaction for any reason, the Provider may
    terminate all your pending Transactions. If you have no outstanding obligations in connection with
    the Service, the Provider may credit any balance to any Funding Mechanism that you used to fund
    Transactions. Termination of these TOS will not affect your liability for acts or omissions
    committed prior to termination, including your liability for any Transaction.
    5. Business Days. The phrase “business days” as used herein means Monday through Friday,
    excluding public holidays in the Destination or Recipient Countries. However, the Service will
    generally still be available online on non-business days.
    6. Assignments and Transfers. You may not assign or otherwise transfer your rights under the
    customer login profile created or these TOS to any other person or entity.

    23. CONTACT INFORMATION
    Contact information for the Provider for questions, notifications, and requests for further
    information is as follows:

    Email: jnmtonline@jngroup.com

    Telephone: