Interacremit User Agreement

This User Agreement ( "Agreement" ) is effective and describes the terms by which you will be bound when you use the services accessible at www.interacremit.com ( "Service" ). Do not use the Service if you do not agree to be bound by these terms. By using the Service you agree to all of the terms contained in this User Agreement.

As used throughout this Agreement, the terms "Interacremit" , "we" , "us" , and "our" refer to Interacremit. together with its workers, directors, successors, and assignees. The terms "you" and "your" refer to users of the Service, whether as Senders or Recipients.

1. THE SERVICE

A "Sender" uses the Service to send money and a "Recipient" receives money through the Service. A "Transaction" refers to an order to send money through the Service.

2. ELIGIBILITY FOR THE SERVICE

Age and Capacity. You must be at least eighteen (18) years old and have the capacity to enter into a legally binding agreement under applicable law in order to access or use the Service as a Sender. 
Others. You may not submit or receive a Transaction on behalf of any other person.
 

3. PAYING FOR THE SERVICE

Charges. With each Transaction you submit you are agreeing to pay us a service fee ( "Service Fee" ), in addition to the Transaction Amount.

Other Charges. We are not responsible for fees that may be imposed by financial institutions associated with your Payment Instruments. For example, some credit card fees, chargeback fees, or other, similar charges that might be imposed on you by your bank, credit card issuer, or other provider.

4. PRE-AUTHORIZED DEBIT AUTHORIZATION

Pre-Authorized Debit. By entering your Payment Instrument into your account's payment profile, you authorize us to begin debiting your Payment Instrument for charges with respect to your use of the Service ( "PAD" ).

This PAD authorization ( "Authorization" ) constitutes your agreement and authorization for Interacremit to debit your Payment Instrument and is effective as of the date you provide Interacremit with your Payment Instrument information. This authorization shall apply to any Payment Instrument entered into your payment profile.

5. RECEIVING A REMITTANCE

Service Providers. We work with local banks and other third party outlets (each, a "Service Provider" ) to make funds available to Recipients. As a Sender, you are appointing your Recipient as your agent for the purpose of receiving funds transmitted through the Service.

6. HOW AND WHY WE COLLECT PERSONAL INFORMATION

Privacy Policy. By agreeing to this User Agreement, you acknowledge and consent to Interacremit Privacy

Customer Identification Program. the law requires that we obtain, verify, and record information about you. We may require that you provide us with nonpublic, personal, identifying information.

7. ERROR RESOLUTION, CANCELLATIONS AND REFUNDS

Error Resolution. Let us know at any time if you have any problems with the Service. .
Refunds. You can cancel your Transaction at any time prior to its completion. Completion means that your Recipient has claimed the money you sent either through cash pick-up, home delivery or the funds have been deposited to their bank account. Upon receipt of a cancellation request, we may confirm with our Service Providers to determine whether the transaction has been completed prior to initiating a refund. The Transaction Amount will not be refunded after completion.

If, however, you are not satisfied with our service for any reason we will always refund the Service Fees. All refunds will be credited to the same Payment Instrument used to pay for the Transaction.

8. DISCLAIMER OF WARRANTIES

We make reasonable efforts to ensure that Transactions are processed in a timely manner, but we make no representations, warranties or conditions, express or implied, regarding the time needed to complete processing because the Service is dependent on many factors outside our control.

9. DISPUTE RESOLUTION AND GOVERNING LAW

Disputes with Interacremit. If a dispute arises between you and Interacremit 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.

10. COMMUNICATIONS

The Service does not allow for Communications to be provided in paper format or through other non-electronic means. You may withdraw your consent to receive Communications electronically, but if you do, your use of the Service shall be terminated. In order to withdraw your consent, you must contact us using our contact information at the end of this User Agreement.

11. SECURITY

Your security is very important to Interacremit and we use a variety of security measures to make sure that your information is secure. We urge you to think carefully before sending money to anyone that you do not know well. In particular, you should be cautious of deals or [email protected]. If you receive any fake (phishing) emails, purporting to be from Interacremit please forward them to us at [email protected].