Terms and Condition

PREAMBLE

This User Agreement ("Agreement") is a contract between you and First Global Money Inc and applies to your use of the First Global Money Inc’s Services provided by First Global Money Inc. (hereafter referred to as “Service”). You must read, agree and accept the terms and conditions contained in this Agreement. This User Agreement is effective as of May 01, 2017. Visitors to our website and Mobile access application service are subject to these terms and conditions. Do not access or use the Service if you do not agree to be bound by the User Agreement. By accessing and using the Service, you are agreeing to the User Agreement. We may amend this Agreement at any time by posting a revised version on our website and Mobile access application service. The revised version will be effective at the time we post it.

As used throughout this User Agreement, the terms “First Global Money Inc”, "we", "us", "our" and Company refer to First Global Money Inc., a Florida corporation, together with its employees, consultants, successors, directors, affiliates, and assignees. The terms "you" and "“your" refer to users of the Service, whether in their capacity as Senders, Recipients/Beneficiaries, or visitors to our website and Mobile access application service.

THE SERVICE

The Service was created to help our customers send money transfers to family and friends. We recommend that you use the Service only to send money to people you know personally. The Service allows people to send and receive money to China. A "Sender" is someone who uses the Service to send money. A "Recipient" is someone who uses the Service to receive money through the Service. The "Destination Country" is the country in which the Recipient receives money through the Service. A "Transaction" is a specific instruction to send money through the Service. The "Transaction Amount" is the amount that the Sender provides for transmittal to the Recipient, excluding applicable fees and prior to any foreign exchange conversion. The "Payout Amount" is the amount paid out to the Recipient, excluding any applicable taxes or charges that may be levied under the laws of the Destination Country (the "Local Taxes"). The Company is not responsible for any additional or incurred taxes.

ELIGIBILITY

The Service is offered only to individual residents of the United States who can form legally binding contracts under applicable law. Without limiting the foregoing, the Service is not offered to minors (Eligible Users must be at least eighteen (18) years old to access or use the Service as a Sender). Other restrictions may apply. The Service can only be used to access personal remittances and are not available in connection with commercial or business purposes. To sign up for the Service, you must have a United States address, United States telephone number and a social security number, and an active unique email address and mobile number (your mobile number must also be unique to you and cannot be the same as a telephone number provided by another user of the service). The Service may not be available in whole or in part in different states, countries, and jurisdictions. The service is accessible via a mobile device therefore your wireless service carrier’s standard chargers, data rates and other fees may apply. By using the Service, you represent that you meet these requirements and that you agree to be bound by this Agreement.

ACCEPTABLE USE

You agree that you are independently responsible for complying with all applicable laws in all of your activities related to your use of the Service, regardless of the purpose of the use, and for all communications you send through the Service. We and our Service Providers have the right but not the obligation to monitor and remove communications content that we find in our sole discretion to be objectionable in any way. In addition, you are prohibited from using the Service for communications or activities that: (i) violate any law, statute, ordinance or regulation; (ii) promote hate, violence, racial intolerance, or the financial exploitation of a crime; (iii) defame, abuse, harass or threaten others; (iv) include any language or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent or discourteous; (v) infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction; (vi) facilitate any viruses, trojan horses, worms or other computer programming routines that may damage, adversely interfere with, secretly intercept or expropriate any system, data or information; (vii) constitute use of any robot, spider, other automatic device, or manual process to monitor or copy the Service or the portion of the Site through which the Service is offered without our prior written permission; (a) constitute use of any device, software or routine to bypass technology protecting the Site or Service, or interfere or attempt to interfere, with the Site or the Service; or (b) may cause us or our Service Providers to lose any of the services from our internet service providers, payment processors, or other vendors. If you submit a Transaction, you are requesting that we process your transaction, an offer which we may accept or reject at our sole discretion.

PAYMENT AUTHORIZATION AND PROCESSING

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 debit card or bank account. If your payment fails or is insufficient, you authorize us to re­try 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 at a later time. You represent and warrant that you are the lawful owner of your Payment Instrument(s). When we receive a Transfer Instruction from you, you agree to pay us a service fee (the "Service Fee") plus the Transaction Amount. Additional charges may apply. Payment is due at the time your transaction is submitted for processing. The Company is not responsible for any fees or other charges that may be imposed by the financial institutions associated with your Payment Instruments. The Company is not responsible for any insufficient funds charges, NSF fees, chargeback fees, or other, similar charges that might be imposed on you by your bank or other provider.

You are responsible for any additional charges and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/ or Internet service provider.

In some instances, your account will be verified, for Transactions funded from the Sender's bank account, you agree that the Company may deposit into your bank account an amount of 1 cent to 99 cents randomly chosen by the system as part of our effort to confirm ownership of the account (i.e., for a transfer of $100. The Company may deposit into the bank account .22 or .98 cents the amount is unknown to anyone but the owner of the account who must validate the amount). The Client is given 10 days to validate the bank account after which the transaction is cancelled.

If you submit a transaction that results in The Company being charged with NSF fees, chargeback fees, or other similar fees, you agree to reimburse us for all such fees. For Transactions funded from the Sender's bank account, you agree that The Company may from time to time charge back your bank of with the applicable NSF fee for each NSF.

We usually make money when you pay for a transaction in one currency, and the transaction is paid out in another currency, based on the difference between the exchange rate at which we buy foreign currency and the exchange rate provided to you. You agree that, when you send a transaction to a Recipient's bank account, that the bank account is denominated in the same currency as indicated of for pay­out of the Transaction (e.g. the beneficiary’s bank account is denominated in the requested local currency as per your transaction).

DISBURSEMENT

Service Providers: We are offering you the Services through one or more Service Providers that we have engaged to pay funds out to Recipients. You, in your capacity as a Sender, hereby appoint your Recipient as your agent/representative for the purpose of receiving funds in connection with the Service. However, notwithstanding that we have engaged such a Service Provider to render some of the Services to you, we are the sole party liable to you for any payments or transfers conducted using the Services and we are solely responsible to you and any third party to the extent any liability attaches in connection with the Services. You agree that we have the right under this Agreement to delegate to Service Providers all the rights and performance obligations that we have under this Agreement, and that the Service Providers will be third party beneficiaries of this Agreement and will be entitled to all the rights and protections that this Agreement provides to us. We attempt to provide up-to-date information on our website and Mobile access application service regarding the location, availability, and hours of our Service Providers. However, you agree that The Company is not responsible for any inaccurate or incomplete information that may be posted on the site.

Verification:

Recipients bank accounts are validated and verified, Recipients are required to prove their identity before receiving funds and are require to provide valid, unexpired acceptable form of identification. In addition, you give The Company permission to store all such data, as necessary to provide the Service. You also give Company permission to contact your Recipient or the Service Company and store all such data, as necessary to provide the Service. Please verify account information and bank details are correct prior to submitting your Transaction because we are not responsible for detecting inaccuracies. If account information and bank details are incorrect, funds may be sent to the wrong bank account and may not be recovered.

RESTRICTIONS

We may, at any time and in our sole discretion, refuse any Transaction or limit the amount to be transferred, either on a per transaction basis or on an aggregated basis. Any such limits may be imposed on individual accounts, linked accounts, or on related accounts or households, in our sole discretion. We reserve the right at any time, and from time to time, to modify or discontinue the Service (or any part thereof) with or without notice.

Your Transaction may be delayed or cancelled in the course of our efforts to verify your identity, validate your Transaction instructions and Payment Instrument(s), contact and locate you, and otherwise comply with applicable laws and regulations. Time Zones, Business hours and currency availability may also play a role. Nevertheless, you may be entitled to a refund in certain circumstances, as described herein.

Ineligibility:

Not all Payment Instrument(s) are available to all customers at all times. We may, in our sole discretion, refuse Transactions funded from certain Payment Instruments. We may, at our sole discretion, refuse Transactions from certain Senders and to certain Recipients, including without limitation, entities and individuals that are included on the Specially Designated Nationals list, Non­cooperative Countries and Territories list, and such other lists as may be issued from time to time by government agencies such as the United States Department of the Treasury Financial Crimes Enforcement Network (FinCEN).

Prohibited Transactions:

You may not use the Service in violation of this User Agreement or applicable laws, rules or regulations. It is a violation of the User Agreement to use the Service for any of the following activities (without limitation):

sexually oriented materials:

services, gambling activities, fraud, money laundering, the funding of terrorist organizations, the purchase or sale of tobacco, firearms, prescription drugs, other controlled substances; to send money to a Recipient that has violated the User Agreement. If you use the Service in connection with illegal conduct, the company reserves the right to report you to the appropriate law enforcement agency or agencies.

In addition to the above referenced prohibited payments, we may also block and/or reverse payments that;

Commercial Transactions:involve donations or payments to an unauthorized charity or non­profit organization, unless we have performed appropriate due diligence on and investigation of such charity or nonprofit organization and have determined its legitimacy, in our sole discretion.

Payments relating to transactions that support pyramid or ponzi schemes, matrix programs, other “get rich quick” schemes or multi­level marketing programs, are associated with purchases of real property, annuities or lottery contracts, lay­away systems, offshore banking or transactions to finance or refinance debts funded by a credit card, are for the sale of items before the seller has control or possession of the item, constitute money laundering or terrorist financing, are associated with the following “money service business” activities: the sale of traveler’s checks or money orders, currency dealers or exchanges, or check cashing, or provide credit repair or debt settlement services (Provide yourself a cash advance from your credit card (or help others to do so); In connection with your use of the Service, or in the course of your interactions with the company a user or a third party, you will not breach this User Agreement, or any other agreement between you and the company; or open more than one profile, or provide false, inaccurate, or misleading information; or sharing transaction numbers or information with anyone except the Service Company, your Recipient, or Beneficiary, and you will advise your Sender, Recipient or Beneficiary not to share Transaction numbers or information; or refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us; or the use of Anonymous proxies; or use any robot, spider, other automatic device, or manual process to monitor or copy our website and Mobile access application service and Violate any other restrictions in this User Agreement.

Others:

You may not request, submit or receive a Transaction on behalf of any other person, on behalf of a business or other non­human entity or on behalf of a charitable organization without our prior permission. The Company reserves the right at any time and in its sole discretion to reject any Transaction, or restrict multiple profiles held by an individual, persons related to the individual or persons sharing the same address as the individual.

You should not use the Service to send money except to people that you know personally. We have no control over, and are not responsible for, the quality, safety, legality, or delivery of goods or services that you pay third parties for 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 company discovers you are using the Service to purchase goods or services, we reserve the right to cancel your transaction(s).

PRIVACY POLICY

General:

By agreeing to this User Agreement, you acknowledge and consent to The Company Privacy Policy. The Privacy Policy can be found by clicking here: Privacy Policy.

Customer Identification Program:

To help the government fight the funding of terrorism and money laundering activities, US law requires that we obtain, verify, and record information about you. We may require that you provide us with non­ public, personal, identifying information. We may also lawfully obtain information about you from other sources without your knowledge, including non­personal identifying information that we may obtain while you visit this website and Mobile access application service. Please see our Privacy Policy.

Government Disclosures:

We may provide information about you and your Transactions to government authorities and enforcement agencies, 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 email address, Mobile number or financial instruments, verifying your information against third party Databases, or through other sources.

Collection of Information:

in addition to the foregoing from time to time we may be required to collect information as may be required by law as stated in the Privacy Policy.

CANCELLATIONS AND REFUNDS

No Changes:

We generally do not let you change the details of your Transaction once it's submitted to us for processing. It is your responsibility to make sure your Transaction details are accurate. Once a User initiates a transfer of money to your email address or mobile phone number registered with the Service, you have no ability to stop the transfer, unless a cancellation request is received before the Payment Instruction is processed. By using the Service, you agree and authorize us to initiate credit entries to the bank account have registered.

General

Please let us know if you have any problems with the Service. You can contact us using the contact information under section 10. Contact Information of this User Agreement.

Refunds:

In general, we do not provide refunds unless we did something wrong. We will consider your written request for a refund (submitted by email, fax, or mail using the contact information at the bottom of this User Agreement) if you provide the Sender's full name, address, and phone number, together with the Transaction tracking number, Transaction Amount, and the reason for your refund request.

If we do provide you a refund, we will only refund the Transaction Amount if the Transaction was not paid out to the Recipient (in which case we will also cancel your pending Transaction); otherwise, we will only refund the Service Fee. Refunds will be credited to the same Payment Instrument used to pay for the Transaction. Refunds are only made in Canadian or U.S dollars. Refund amounts will not be adjusted to account for changes in the value of the U.S. dollar or foreign currency from the time your Transaction was submitted.

Right to Refund: :

You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if First Global Money Inc., does not forward the money received from you within 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 writing request to First Global Money Inc., ATTN: Customer Service, 5733 Rickenbacker Road, Commerce, CA 90040.

ERRORS AND COMPLAINTS

Error:

Errors. You have a right to dispute errors in your Transaction. If you think there is an error, contact us within 180 days of the Transaction at 1­877­793­7171 or online. You can also contact us for a written explanation of your rights.

You can cancel for a full refund within 30 minutes of authorizing your Transaction, unless the funds have already been deposited into the account of your Recipient.

We will make every effort not to debit your Payment Instrument after we have received your request for cancellation. However, in some cases, we may have initiated an irreversible request for funds from your financial institution prior to receiving your request for cancellation. In such cases, your Payment Instrument may be debited even if you have cancelled your Transaction but we will refund your money usually within four (4) business days after we have received the funds from your financial institution.

Refunds will be credited to the same Payment Instrument used to pay for the Transaction. Refunds are only made in U.S. Dollars. Refund amounts will not be adjusted to account for changes in the value of the U.S. Dollar or foreign currency from the time your Transaction was submitted.

For questions or complaints about the Service, contact us online; by telephone at 1­877­793­7171 or by mail at First Global Money Inc. Customer Service, 5733 Rickenbacker Road, Commerce, CA 90040, USA.

General. Please let us know if you have any problems with the Service. You can contact us using the contact information below.

ALL consumer complaints must be submitted in writing.

If you have complaints or other concerns with respect to any aspect of the money transmission activities conducted with First Global Money Inc., You may contact us by email at customerservice@firstglobalmoney.com or by telephone at 1(877) 793­717. You can direct unresolved complaints to regulatory authorities listed under Customer Complaints link.

Minnesota Customers

You, the customer, are entitled from voluntary disqualify yourself from sending or receiving money transfers, this disqualification last for one year unless you give instructions that it be in effect for a period longer than one year. You, the customer may terminate this disqualification at any time upon written request to First Global Money Inc. at 5733 Rickenbacker Road, Commerce, CA 90040 or by Email customerservice@firstglobalmoney.com or call us at 1(877) 793­7171.

Please submit your self-disqualification form by sending your request to customerservice@firstglobalmoney.com

FRAUD ALERT If you are sending money to someone you don’t know or w hose identity you can’t verify it can be part of fraudulent scam, please ask the agent to stop your transfer immediately, or call First Global Money, Inc. at 1­877­793­7171 to report it.

CONTACT INFORMATION

Questions, notifications, and requests for refunds or further information can be sent to the Company, as follows: by telephone at 1(877) 793­7171 or by mail at First Global Money Inc., Attn: Customer Service, 5733 Rickenbacker Road, Commerce, CA 90040, USA.

We make reasonable efforts to ensure that Transactions are processed in a timely manner, but we make no representations or warranties regarding the time needed to complete processing because the Service is largely dependent on many factors outside our control. Some jurisdictions do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you. This warranty gives you specific legal rights and you may also have other legal rights that vary state to state. Notwithstanding the foregoing, you may have a right to a refund as expressly described herein.

NEED OUR HELP? Email us or call us anytime customerservice@firstglobalmoney.com (toll free) or 1(877) 793­ 7171

COMPLIANCE

United States Transactions

Financial Crimes Enforcement Network www.fincen.gov FinCEN is part of United States national initiative to combat money laundering and terrorist activity financing.

Important Information for Consumers What you need to know – The Financial Crimes Enforcement Network, or FinCEN was created to safeguard the financial system from illicit use and combat money laundering and promote national security through the collection, analysis, and dissemination of financial intelligence and strategic use of financial authorities as part of a US government initiative to fight money laundering and terrorist financing, both domestically and internationally. Businesses and industries who must report to FinCEN are required to know their clients and asking for ID is one way to do that. Can I see some ID please? The Bank Secrecy Act “BSA” and the USA PATRIOT Act. The BSA is sometimes referred to as an "antimony laundering" law ("AML") or jointly as "BSA/AML." Several AML acts, including provisions in Title III of the USA PATRIOT Act of 2001, have been enacted up to the present to amend the BSA. (See 31 USC 5311­5330 and 31 CFR Chapter X [formerly 31 CFR Part 103]) requires financial institutions and others covered by the legislation to identify customers who conduct financial transactions such as: depositing funds, purchasing a life insurance policy or buying a money order. The Act also requires them to keep records and identify their clients.

Under the BSA/AML, you are required to provide Government issued valid identification such as a driver’s license, or similar type of document. There are other requirements and that we might prompt to ask you for more information about the transaction you are conducting.

To find out more about the BSA/AML, FinCEN, and the fight against money laundering and terrorist financing, visit FinCEN's Web site at: www.fincen.gov.

You agree to comply with applicable laws and regulations. You may not use your account or related services for any illegal transactions or activity, e.g. those prohibited by the Unlawful Internet Gambling Enforcement Act, 31 U.S.CF. Section 5361 et. Seq. You agree to indemnify us from every action, proceeding, claim, loss, cost and expense (including attorney’s fees) suffered or incurred by us due to any U.S. or foreign government entity seizing, freezing or otherwise asserting or causing us to assert control over any funds of yours (or ours) when purportedly caused by, or arising out of, your action or inaction. This will apply whether or not such action is ultimately determined to be authorized under the laws of the U.S. or its territories, or any foreign jurisdiction. We are not required to inquire or determine the authority of any action taken by the U.S. or foreign government entity prior to acceding to any legal process initiated by it.

Please note that your agreement to comply with applicable laws and regulations includes United States economic sanctions laws and regulations, including regulations issued by the Office of Foreign Assets Control (OFAC) of the U.S. Department of the Treasury, and Executive Orders issued by the President of the Unites States.

First Global Money Inc is a Licensed Money Transmitter First Global Money Inc. (NMLS ID 1149715) First Global Money Inc is licensed as a Money Transmitter by The Georgia Department of Banking & Finance First Global Money Inc. is licensed as a Money Transmitter by The New York Department of Financial Services

SECURITY AND FRAUD PREVENTION

The Company has taken measures to ensure that our client’s information is protected and the adhere to the Gramm Leach Bliley Act (Right to Financial Privacy Act). Your security is very important to us, the company has security measures to protect our client’s information, to make sure that your information is secure. The company is a safe to send money to family members and to other people that you trust. But we urge you to consider carefully before sending money to anyone that you do not know well. In particular, you should be cautious of deals or offers that seem too good to be true. If you think you have been or might be a victim of fraud, please contact us immediately by telephone at 1(877) 793­7171. If you are aware of anyone or any entity that is using the Service inappropriately, please email us at customerservice@firstglobalmoney.com; if you receive any fake (phishing) emails, purporting to be from us, please forward them to us at techsupport@firstglobaldata.com. DISPUTE RESOLUTION AND GOVERNING LAW

Fraud Prevention

Help protect yourself from fraud. You should never use the Service to send money to strangers. Be careful if you are asked to send a money transfer to claim a prize and/or lottery ticket. Send money only to someone you know, or whose identity you can verify. Never provide information about your money transfer over the phone if you are not able to confirm who is the person calling you.

If you have sent a money transfer and suspect fraud, please call First Global at (877) 793­7171 immediately to stop your transaction if the transfer has not yet been paid your money will be refunded.

COMMUNICATIONS

When using the service, most of the transactions will occur within minutes. There may be other circumstances when the payment may take longer. For example, in order to protect you, us, the service, we may need additional time to verify your identity or the identity of the person sending the money. We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated, we will notify you in accordance with your User preferences (i.e. email, push notification). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your beneficiary’s bank Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your beneficiary’s bank Account. You authorize the Sender, the company to send emails to you and text messages to your mobile phone in connection with your Payment Instructions. You acknowledge and agree that if you provide us with your mobile phone number, we may contact you at that number using autodialed or prerecorded calls or text messages to provide service to your account, request additional information to complete your transaction, investigate or prevent fraud, collect a debt. We will not use autodialed or prerecorded calls or texts to contact you for marketing purposes unless we receive your prior express written consent. We may share your mobile phone number with service providers with whom we contract to assist us in completing your transaction, but we will not share your mobile phone number with third parties for their own purposes without your consent. You can decline to receive autodialed or prerecorded calls or texts to your mobile phone number by contacting us. Standard telephone minute and text charges may apply. You also acknowledge that this service does not allow for Communications to be provided in paper format or through other non­electronic 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.

In order to access and retain communications, you must have:

MOBILE ACCESS REQUIREMENTS:

In order to use the Service, you will need: (1) a Mobile Internet enabled access device, and any software and required equipment that can support the Internet browser described on our Browser Requirements page (referred to as a “Mobile Device”). You are responsible for the installation, maintenance and operation of your Mobile Device and all related charges. You are responsible for installing and maintaining appropriate virus protection on your Mobile Device. We are not responsible for any errors or failures caused by any malfunction of your Mobile Device, or your use of the Service. We are not responsible for any viruses, spyware, malware, worms or related problems that may be associated with your Mobile Device. We are also not responsible for any losses or delays in transmission of information that you provide to us or otherwise arising out of or incurred in connection with the use of any Internet or other service provider providing your connection to the Internet or any browser software. You are also responsible for all mobile remote access and other similar charges incurred in connecting to the Online Service and for charges by any Internet service providing connection to the Internet.

An Android device running our mobile app you will need to have:

Android version 6.0 (Marshmallow) or later Support for Location Services Internet access (via WIFI or cellular data network) SMS capable You can use iOS (iPhone 3GS and later) devices running iOS version 8.0 and later and capable of receiving SMS and support for location services. The Service may include using your location to obtain your Geo­location. We will ask your permission to enable use of your location. You can enable this feature in your device’s or browser’s settings.

OTHER ACCESS REQUIREMENTS:

an Internet browser that supports 128­bit encryption, such as Firefox version 53 or above or Internet Explorer version 11 or above or Chrome version 58 or above an e­mail account and e­mail software capable of interfacing with the company e­mail servers a personal computer, operating system and telecommunications connections to the Internet capable of supporting the foregoing sufficient electronic storage capacity on your computer's hard drive or other data storage unit a printer that is capable of printing from your browser and e­mail software. a quality anti­virus program. As new viruses are created each and every day, be sure to update your anti­virus program often. In addition, you must promptly update us with any change in your email address by updating your profile online.

INTELLECTUAL PROPERTY:

All other marks and logos related to the Services are either trademarks or registered trademarks of us including but not limited to the content of this website and Mobile access application service, text, graphics, links, buttons, logos, and images. In addition, all page headers, custom graphics, button icons, and scripts are our service marks, trademarks. You may not copy, imitate, or use any of the above without our prior written consent, which we may withhold in our sole discretion, and you may not use them in a manner that undervalue our Services or display them in any manner that implies our sponsorship or endorsement. All right, title and interest in and to the Services, the portion of the Site and Mobile access application service through which the Services is offered, the technology related to the Site and Services, and any and all technology and any content created or derived from any of the foregoing, is our exclusive property. Moreover, any suggestions, ideas, notes, drawings, concepts, or other information you may send to us through or regarding the Site or Services shall be considered an uncompensated contribution of intellectual property to us, shall also be deemed our exclusive intellectual property, and shall not be subject to any obligation of confidentiality on our part. By submitting any such materials to us, you automatically grant (or warrant that the owner of such materials has expressly granted) to us a perpetual, royalty free, irrevocable, non­exclusive right and license to use, reproduce, modify, adapt, publish, translate, publicly perform and display, create derivative works from and distribute such materials or incorporate such materials into any form, medium, or technology now known or later developed, and you warrant that all so-called “moral rights” in those materials have been waived, and you warrant that you have the right to make these warranties and transfers of rights. You are authorized solely to view and retain a copy of the pages of this website or Mobile access application 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; (b) remove or alter any author, trademark or other proprietary notice or legend displayed on this website and Mobile access application service (or printed pages thereof); or (c) infringe the company’s Intellectual Property or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy.

The technology and software underlying the Service or distributed in connection therewith are the property of First Global Money Inc, its affiliates and Service Providers. Subject to the terms and conditions of this User Agreement, the company hereby grants you a non­transferable, no sublicensable, and non­exclusive right and license to use the object code of any Software on your device(s) solely in connection with the Service, provided that you agree not to copy (except as expressly provided herein), modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, or otherwise transfer any right in the Software. Any rights not expressly granted herein are reserved by the Company.

DISPUTE RESOLUTION AND GOVERNING LAW

If a dispute arises between you and the company, 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 the company regarding the Service may be reported online to Customer Service; call 1(877) 793­7171; by fax at 1(800) 257­0160; or by mail at First Global Money Inc., Attn: Customer Service, 5733 Rickenbacker Road, Commerce, CA 90040, USA. Arbitration: For any claim, the party requesting relief may elect to resolve the dispute in a cost-effective manner through binding nonappearance based arbitration. If a party elect’s arbitration, that party will initiate such arbitration through an established alternative dispute resolution provider mutually agreed upon by the parties. The provider and the parties must comply with the following rules: a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

All claims you bring against the company must be resolved in accordance with this Agreement. All claims filed or brought contrary to this agreement shall be considered improperly filed, and a breach of this Agreement. Should you file a claim contrary to this Agreement, the company may recover attorneys' fees and costs (including in­house attorneys and paralegals) up to $1,000.00 USD, provided that the Company has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim.

DISCLAIMER OF WARRANTIES

EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, THE SERVICE IS PROVIDED "AS IS", “AS AVAILABLE” BASIS AND WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED OR STATUTORY. WE, OUR SUBSIDIARIES, EMPLOYEES AND OUR SUPPLIERS SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON­INFRINGEMENT, WITH REGARD TO THE SERVICE DESCRIBED OR PROVIDED. THE COMPANY IS NOT RESPONSIBLE IN ANY MANNER FOR DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES, HOWEVER CAUSED, ARISING OUT OF YOUR USE OF THIS WEBSITE AND/OR MOBILE ACCESS APPLICATION, INCLUDING ANY DAMAGES YOU MAY SUFFER IF YOU TRANSMIT CONFIDENTIAL OR SENSITIVE INFORMATION TO US OR IF WE COMMUNICATE SUCH INFORMATION TO YOU AT YOUR REQUEST OVER THE INTERNET. LINKS TO OTHER WEBSITES FROM THIS WEBSITE AND MOBILE ACCESS APPLICATION ARE FOR CONVENIENCE ONLY. NO ENDORSEMENT OF ANY THIRD­PARTY PRODUCTS, SERVICES OR INFORMATION IS EXPRESSED OR IMPLIED BY ANY INFORMATION, MATERIAL OR CONTENT REFERRED TO OR INCLUDED ON, OR LINKED FROM OR TO THIS WEBSITE AND/OR MOBILE ACCESS APPLICATION. THE COMPANY DOES NOT WARRANT THAT ITS SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR­FREE, OR THAT DEFECTS WILL BE CORRECTED.

We make reasonable efforts to ensure that Transactions are processed in a timely manner, but we make no representations or warranties regarding the time needed to complete processing because the Service is largely dependent on many factors outside our control. Some jurisdictions do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you. This warranty gives you specific legal rights and you may also have other legal rights that vary state to state. Notwithstanding the foregoing, you may have a right to a refund.

Information provided by the company, and other sources on this website and mobile access application service is believed to be accurate and reliable when placed on this site or application, but we cannot guarantee it is accurate or complete or current at all times. Information on this site or application is for informational purposes only and is not intended to provide financial, legal, accounting or tax advice and should not be relied upon in that regard. We endeavor to keep the rates and fees posted at this site current. However, rates, fees and information are subject to change at any time without notice to users and the posted rates and fees at the site may not immediately reflect such changes.

LIMITATION OF LIABILITY:

EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, IN NO EVENT WILL THE COMPANY, ITS OWNERS, OFFICERS, SUBISIDIARES, SERVICE PROVIDERS, AGENTS, PARTNERS OR EMPLOYEES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (i) ANY TRANSACTION CONDUCTED THROUGH SERVICE; (ii) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN SERVICES DESCRIBED OR PROVIDED, (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR (iv) ANY OTHER MATTER RELATING TO THE SERVICE DESCRIBED OR PROVIDED, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE SERVICE OR WITH THE TERMS OF THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE. IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF THE SERVICE, ITS OWNERS, DIRECTORS, OFFICERS AND AGENTS LIABILITY IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED $1000.00

INDEMNIFICATION:

You acknowledge and agree that you are personally responsible for your conduct while using the service and agree to indemnify and hold harmless the company, its owners, service providers, and their respective subsidiaries, Directors, officers, agents, partners, and employees harmless from and against all claims, losses, expenses, damages and costs claim including, but not limited to 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 the terms of this Agreement, or your violation of any rights of another.

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 the 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.

USE OF OUR SITE AND MOBILE ACCESS APPLICATION You agree to access the site and/or application access services in compliance with our “terms of use”. Unless otherwise required by law, we may amend this Agreement and any applicable fees and charges for the Services at any time by posting a revised version on the Site and/or the application access services. The revised version will be effective at the time it is posted unless a delayed effective date is expressly stated in the revision. Any use of the Services after a notice of change or after the posting of a revised version of this Agreement on the site/application will constitute your agreement to such changes and revised versions. Further, we may, from time to time, revise, update, upgrade or enhance the Service and/or related applications or material, which may render all such prior versions obsolete. Consequently, we reserve the right to terminate this Agreement as to all such prior versions of the Service, and/or related applications and material, and limit access to only the more recent revisions, updates, upgrades or enhancements of the Service.

PREAMBLE

This User Agreement ("Agreement") is a contract between you and First Global Money Inc. (FGMI) and applies to your use of the First Global Money Inc.’s Services provided by First Global Money Inc. (hereafter referred to as “Service”). You must read, agree and accept the terms and conditions contained in this Agreement. This User Agreement is effective as of May 01, 2017. Visitors to our website and Mobile access application service are subject to these terms and conditions. Do not access or use the Service if you do not agree to be bound by the User Agreement. By accessing and using the Service, you are agreeing to the User Agreement. We may amend this Agreement at any time by posting a revised version on our website and Mobile access application service. The revised version will be effective at the time we post it.

As used throughout this User Agreement, the terms “FGMI”, "we", "us", "our" and Company refer to First Global Money Inc., a Florida corporation, together with its employees, consultants, successors, directors, affiliates, and assignees. The terms "you" and "your" refer to users of the Service, whether in their capacity as Senders, Recipients/Beneficiaries, or visitors to our website and Mobile access application service.

THE SERVICE

The Service was created to help our customers send money transfers to family and friends. We recommend that you use the Service only to send money to people you know personally. The Service allows people to send and receive money to China. A "Sender" is someone who uses the Service to send money. A "Recipient" is someone who uses the Service to receive money through the Service. The "Destination Country" is the country in which the Recipient receives money through the Service. A "Transaction" is a specific instruction to send money through the Service. The "Transaction Amount" is the amount that the Sender provides for transmittal to the Recipient, excluding applicable fees and prior to any foreign exchange conversion. The "Payout Amount" is the amount paid out to the Recipient, excluding any applicable taxes or charges that may be levied under the laws of the Destination Country (the "Local Taxes"). The Company is not responsible for any additional or incurred taxes.

ELIGIBILITY

The Service is offered only to individual residents of the United States who can form legally binding contracts under applicable law. Without limiting the foregoing, the Service is not offered to minors (Eligible Users must be at least eighteen (18) years old to access or use the Service as a Sender). Other restrictions may apply. The Service can only be used to access personal remittances and are not available in connection with commercial or business-purposes. To sign up for the Service, you must have a United States address, United States telephone number and a social security number, and an active unique email address and mobile number (your mobile number must also be unique to you and cannot be the same as a telephone number provided by another user of the service). The Service is not currently available in the province of Quebec and may not be available in whole or in part in different states in the USA, countries, and jurisdictions. The service is accessible via a mobile device therefore your wireless service carrier’s standard chargers, data rates and other fees may apply. By using the Service, you represent that you meet these requirements and that you agree to be bound by this Agreement.

ACCEPTABLE USE

You agree that you are independently responsible for complying with all applicable laws in all of your activities related to your use of the Service, regardless of the purpose of the use, and for all communications you send through the Service. We and our Service Providers have the right but not the obligation to monitor and remove communications content that we find in our sole discretion to be objectionable in any way. In addition, you are prohibited from using the Service for communications or activities that: (i) violate any law, statute, ordinance or regulation; (ii) promote hate, violence, racial intolerance, or the financial exploitation of a crime; (iii) defame, abuse, harass or threaten others; (iv) include any language or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent or discourteous; (v) infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction; (vi) facilitate any viruses, trojan horses, worms or other computer programming routines that may damage, adversely interfere with, secretly intercept or expropriate any system, data or information; (vii) constitute use of any robot, spider, other automatic device, or manual process to monitor or copy the Service or the portion of the Site through which the Service is offered without our prior written permission; (a) constitute use of any device, software or routine to bypass technology protecting the Site or Service, or interfere or attempt to interfere, with the Site or the Service; or (b) may cause us or our Service Providers to lose any of the services from our internet service providers, payment processors, or other vendors. If you submit a Transaction, you are requesting that we process your transaction, an offer which we may accept or reject at our sole discretion.

PAYMENT AUTHORIZATION AND PROCESSING

  • 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 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 at a later time. You represent and warrant that you are the lawful owner of your Payment Instrument(s).
  • When we receive a Transfer Instruction from you, you agree to pay us a service fee (the "Service Fee") plus the Transaction Amount. Additional charges may apply. Payment is due at the time your transaction is submitted for processing.
  • The Company is not responsible for any fees or other charges that may be imposed by the financial institutions associated with your Payment Instruments. The Company is not responsible for any insufficient funds charges, NSF fees, chargeback fees, or other, similar charges that might be imposed on you by your bank or other provider.
  • You are responsible for any additional charges and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/ or Internet service provider.
  • In some instances, your account will be verified, for Transactions funded from the Sender's bank account, you agree that the Company may deposit into your bank account an amount of 1 cent to 99 cents randomly chosen by the system as part of our effort to confirm ownership of the account (i.e., for a transfer of $100. The Company may deposit into the bank account .22 or .98 cents the amount is unknown to anyone but the owner of the account who must validate the amount). The Client is given 3 days to validate the bank account after which the transaction is cancelled.
  • If you submit a transaction that results in The Company being charged with NSF fees, chargeback fees, or other similar fees, you agree to reimburse us for all such fees. For Transactions funded from the Sender's bank account, you agree that The Company may from time to time charge back your bank of with the applicable NSF fee for each NSF.
  • We usually make money when you pay for a transaction in one currency, and the transaction is paid out in another currency, based on the difference between the exchange rate at which we buy foreign currency and the exchange rate provided to you. You agree that, when you send a transaction to a Recipient's bank account, that the bank account is denominated in the same currency as indicated of for pay-out of the Transaction (e.g. the beneficiary’s bank account is denominated in the requested local currency as per your transaction).

DISBURSEMENT

Service Providers: We are offering you the Services through one or more Service Providers that we have engaged to pay funds out to Recipients. You, in your capacity as a Sender, hereby appoint your Recipient as your agent/representative for the purpose of receiving funds in connection with the Service. However, notwithstanding that we have engaged such a Service Provider to render some of the Services to you, we are the sole party liable to you for any payments or transfers conducted using the Services and we are solely responsible to you and any third party to the extent any liability attaches in connection with the Services. You agree that we have the right under this Agreement to delegate to Service Providers all the rights and performance obligations that we have under this Agreement, and that the Service Providers will be third party beneficiaries of this Agreement and will be entitled to all the rights and protections that this Agreement provides to us. We attempt to provide up-to-date information on our website and Mobile access application service regarding the location, availability, and hours of our Service Providers. However, you agree that The Company is not responsible for any inaccurate or incomplete information that may be posted on the site.

Verification: Recipients bank accounts are validated and verified, Recipients are required to prove their identity before receiving funds and are require to provide valid, unexpired acceptable form of identification. In addition, you give The Company permission to store all such data, as necessary to provide the Service. You also give Company permission to contact your Recipient or the Service Company and store all such data, as necessary to provide the Service. Please verify account information and bank details are correct prior to submitting your Transaction because we are not responsible for detecting inaccuracies. If account information and bank details are incorrect, funds may be sent to the wrong bank account and may not be recovered.

RESTRICTIONS

We may, at any time and in our sole discretion, refuse any Transaction or limit the amount to be transferred, either on a per transaction basis or on an aggregated basis. Any such limits may be imposed on individual accounts, linked accounts, or on related accounts or households, in our sole discretion. We reserve the right at any time, and from time to time, to modify or discontinue the Service (or any part thereof) with or without notice.

Your Transaction may be delayed or cancelled in the course of our efforts to verify your identity, validate your Transaction instructions and Payment Instrument(s), contact and locate you, and otherwise comply with applicable laws and regulations. Time Zones, Business hours and currency availability may also play a role. Nevertheless, you may be entitled to a refund in certain circumstances, as described herein.

Ineligibility: Not all Payment Instrument(s) are available to all customers at all times. We may, in our sole discretion, refuse Transactions funded from certain Payment Instruments. We may, at our sole discretion, refuse Transactions from certain Senders and to certain Recipients, including without limitation, entities 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 government agencies such as The Office of the Superintendent of Financial Institutions (OSFI) and The United States Department of the Treasury Financial Crimes Enforcement Network (FinCEN).

Prohibited Transactions: You may not use the Service in violation of this User Agreement or applicable laws, rules or regulations. It is a violation of the User Agreement to use the Service for any of the following activities (without limitation):

  • sexually-oriented materials;
  • services, gambling activities, fraud, money-laundering,
  • the funding of terrorist organizations,
  • the purchase or sale of tobacco, firearms, prescription drugs, other controlled substances;
  • to send money to a Recipient that has violated the User Agreement. If you use the Service in connection with illegal conduct, the company reserves the right to report you to the appropriate law enforcement agency or agencies.

In addition to the above-referenced prohibited payments, we may also block and/or reverse payments that;

  • Commercial Transactions
  • involve donations or payments to an unauthorized charity or non-profit organization, unless we have performed appropriate due diligence on and investigation of such charity or nonprofit organization and have determined its legitimacy, in our sole discretion.
  • Payments relating to transactions that support pyramid or ponzi schemes, matrix programs, other “get rich quick” schemes or multi-level marketing programs,
  • are associated with purchases of real property, annuities or lottery contracts, lay-away systems, off-shore banking or transactions to
  • finance or refinance debts funded by a credit card, are for the sale of items before the seller has control or possession of the item,
  • constitute money-laundering or terrorist financing,
  • are associated with the following “money service business” activities: the sale of traveler’s checks or money orders, currency dealers or exchanges, or check cashing, or
  • provide credit repair or debt settlement services (Provide yourself a cash advance from your credit card (or help others to do so);

In connection with your use of the Service, or in the course of your interactions with the company a user or a third party, you will not breach this User Agreement, or any other agreement between you and the company; or open more than one profile, or provide false, inaccurate, or misleading information; or sharing transaction numbers or information with anyone except the Service Company, your Recipient, or Beneficiary, and you will advise your Sender, Recipient or Beneficiary not to share Transaction numbers or information; or refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us; or the use of Anonymous proxies; or use any robot, spider, other automatic device, or manual process to monitor or copy our website and Mobile access application service and Violate any other restrictions in this User Agreement.

Others. You may not request, submit or receive a Transaction on behalf of any other person, on behalf of a business or other non-human entity or on behalf of a charitable organization without our prior permission. The Company reserves the right at any time and in its sole discretion to reject any Transaction, or restrict multiple profiles held by an individual, persons related to the individual or persons sharing the same address as the individual.

You should not use the Service to send money except to people that you know personally. We have no control over, and are not responsible for, the quality, safety, legality, or delivery of goods or services that you pay third parties for 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 company discovers you are using the Service to purchase goods or services, we reserve the right to cancel your transaction(s).

PRIVACY POLICY

General: By agreeing to this User Agreement, you acknowledge and consent to The Company Privacy Policy. The Privacy Policy can be found by clicking: Privacy Policy.

Customer Identification Program: To help the government fight the funding of terrorism and money laundering activities, US law requires that we obtain, verify, and record information about you. We may require that you provide us with non- public, personal, identifying information. 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 and Mobile access application service. Please see our Privacy Policy.

Government Disclosures: We may provide information about you and your Transactions to government authorities and enforcement agencies, 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 email address, Mobile number or financial instruments, verifying your information against third party Databases, or through other sources.

Collection of Information: in addition to the foregoing from time to time we may be required to collect information as may be required by law as stated in the Privacy Policy.

CANCELLATIONS AND REFUNDS

No Changes: We generally do not let you change the details of your Transaction once it's submitted to us for processing. It is your responsibility to make sure your Transaction details are accurate. Once a User initiates a transfer of money to your email address or mobile phone number registered with the Service, you have no ability to stop the transfer, unless a cancellation request is received before the Payment Instruction is processed. By using the Service, you agree and authorize us to initiate credit entries to the bank account have registered.

General: Please let us know if you have any problems with the Service. You can contact us using the contact information below.

Refunds: In general, we do not provide refunds unless we did something wrong. We will consider your written request for a refund (submitted by email, fax, or mail using the contact information at the bottom of this User Agreement) if you provide the Sender's full name, address, and phone number, together with the Transaction tracking number, Transaction Amount, and the reason for your refund request.

If we do provide you a refund, we will only refund the Transaction Amount if the Transaction was not paid out to the Recipient (in which case we will also cancel your pending Transaction); otherwise, we will only refund the Service Fee. Refunds will be credited to the same Payment Instrument used to pay for the Transaction. Refunds are only made in Canadian or U.S dollars. Refund amounts will not be adjusted to account for changes in the value of the U.S. dollar or foreign currency from the time your Transaction was submitted.

Right to Refund: You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if First Global Money Inc., does not forward the money received from you within 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 writing request to First Global Money Inc., ATTN: Customer Service, USA: 5733 Rickenbacker Road, Commerce, CA 90040, USA, Canada: 555 Richmond St. W., Suite 604, Toronto, Ontario, M5V 3B1, Canada

ERRORS AND COMPLAINTS (USA)

Errors. You have a right to dispute errors in your Transaction. If you think there is an error, contact us within 180 days of the Transaction at 1-877-793-7171 or online. You can also contact us for a written explanation of your rights.

You can cancel for a full refund within 30 minutes of authorizing your Transaction, unless the funds have already been deposited into the account of your Recipient.

We will make every effort not to debit your Payment Instrument after we have received your request for cancellation. However, in some cases, we may have initiated an irreversible request for funds from your financial institution prior to receiving your request for cancellation. In such cases, your Payment Instrument may be debited even if you have cancelled your Transaction but we will refund your money usually within four (4) business days after we have received the funds from your financial institution.

Refunds will be credited to the same Payment Instrument used to pay for the Transaction. Refunds are only made in U.S. Dollars. Refund amounts will not be adjusted to account for changes in the value of the U.S. Dollar or foreign currency from the time your Transaction was submitted.

General. Please let us know if you have any problems with the Service. You can contact us using the contact information below.

ALL consumer complaints must be submitted in writing.

For questions or complaints about the Service, contact us online; by telephone at 1-877-793-7171 or by mail at First Global Money Inc. Customer Service, 5733 Rickenbacker Road, Commerce, CA 90040, USA.

Minnesota Customers
You, the customer, are entitled from voluntary disqualify yourself from sending or receiving money transfers, this disqualification last for one year unless you give instructions that it be in effect for a period longer than one year. You, the customer may terminate this disqualification at any time upon written request to First Global Money Inc. at 5733 Rickenbacker Road, Commerce, CA 90040 or by Email customerservice@firstglobalmoney.com or call us at 1(877) 793-7171.

Please submit your self-disqualification form by sending your request to customerservice@firstglobalmoney.com

FRAUD ALERT If you are sending money to someone you don’t know or w hose identity you can’t verify it can be part of fraudulent scam, please ask the agent to stop your transfer immediately, or call First Global Money, Inc. at 1-877-793-7171 to report it.

If you have complaints or other concerns with respect to any aspect of the money transmission activities conducted with First Global Money Inc., You may contact us by email at customerservice@firstglobalmoney.com or by telephone at 1(877) 793-717. You can direct unresolved complaints to regulatory authorities listed under Customer Complaints link.

CONTACT INFORMATION

Questions, notifications, and requests for refunds or further information can be sent to the Company, as follows: by telephone at 1(877) 793-7171 or by mail at First Global Money Inc., Attn: Customer Service, USA: 5733 Rickenbacker Road, Commerce, CA 90040, USA, Canada: 555 Richmond St. W., Suite 604, Toronto, Ontario, M5V 3B1, Canada

NEED OUR HELP?
Email us or call us anytime customerservice@firstglobalmoney.com (toll free) or 1(877) 793-7171

COMPLIANCE

Canada Transactions

The Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) is Canada's financial intelligence unit. Its mandate is to facilitate the detection, prevention and deterrence of money laundering and the financing of terrorist activities, while ensuring the protection of personal information under its control.

Proceeds of Crime (Money Laundering) and Terrorist Financing Act

The Proceeds of Crime (Money Laundering) Act was amended in December 2001 to become the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA).

The object of the PCMLTFA is:

  • to implement specific measures to detect and deter money laundering and the financing of terrorist activities to facilitate the investigation or prosecution of money laundering and terrorist financing offences, including
    • establishing record keeping and client identification requirements for financial services providers and other persons that engage in businesses, professions or activities that are susceptible to being used for money laundering, and the financing of terrorist activities,)
    • requiring the reporting of suspicious financial transactions and of cross-border movements of currency and monetary instruments, and
    • establishing an agency that is responsible for dealing with reported and other information;
  • to respond to the threat posed by organized crime by providing law enforcement officials with the information they need to investigate and prosecute money laundering or terrorist financing offences, while ensuring that appropriate safeguards are put in place to protect the privacy of persons with respect to personal information about themselves; and
  • to assist in fulfilling Canada's international commitments to participate in the fight against transnational crime, particularly money laundering and the fight against terrorist activities.

Terrorist Property Reporting and Terrorist List Scanning

In 2001, Canada passed the United Nations Suppression of Terrorism Regulations under the United Nations Act. These provide for a list of individuals or entities believed to be involved in or associated with terrorist activity. They make it an offence for anyone in Canada, or any Canadian outside Canada, to provide or collect funds if they know these would be for use by anyone on the list. These Regulations also make it an offence for anyone in Canada, or any Canadian outside Canada, to deal in any way with property if they know it is owned or controlled by anyone on the list. This includes any financial service or transaction relating to such property. It also includes making property available to anyone on the list.

FGDC is required to report any suspected terrorist property to FINTRAC Please note that your agreement to comply with applicable laws and regulations includes United States economic sanctions laws and regulations, including regulations issued by the

United States Transactions

Financial Crimes Enforcement Network www.fincen.gov FinCEN is part of United States national initiative to combat money laundering and terrorist activity financing.

Important Information for Consumers - What you need to know – The Financial Crimes Enforcement Network, or FinCEN was created to safeguard the financial system from illicit use and combat money laundering and promote national security through the collection, analysis, and dissemination of financial intelligence and strategic use of financial authorities as part of a US government initiative to fight money laundering and terrorist financing, both domestically and internationally. Businesses and industries who must report to FinCEN are required to know their clients and asking for ID is one way to do that. Can I see some ID please? The Bank Secrecy Act “BSA” and the USA PATRIOT Act. The BSA is sometimes referred to as an "anti-money laundering" law ("AML") or jointly as "BSA/AML." Several AML acts, including provisions in Title III of the USA PATRIOT Act of 2001, have been enacted up to the present to amend the BSA. (See 31 USC 5311-5330 and 31 CFR Chapter X [formerly 31 CFR Part 103]) requires financial institutions and others covered by the legislation to identify customers who conduct financial transactions such as: depositing funds, purchasing a life insurance policy or buying a money order. The Act also requires them to keep records and identify their clients.

Under the BSA/AML, you are required to provide Government issued valid identification such as a driver’s license, or similar type of document. There are other requirements and that we might prompt to ask you for more information about the transaction you are conducting.

To find out more about the BSA/AML, FinCEN, and the fight against money laundering and terrorist financing, visit FinCEN's Web site at: www.fincen.gov.

You agree to comply with applicable laws and regulations. You may not use your account or related services for any illegal transactions or activity, e.g. those prohibited by the Unlawful Internet Gambling Enforcement Act, 31 U.S.CF. Section 5361 et. Seq. You agree to indemnify us from every action, proceeding, claim, loss, cost and expense (including attorney’s fees) suffered or incurred by us due to any U.S. or foreign government entity seizing, freezing or otherwise asserting or causing us to assert control over any funds of yours (or ours) when purportedly caused by, or arising out of, your action or inaction. This will apply whether or not such action is ultimately determined to be authorized under the laws of the U.S. or its territories, or any foreign jurisdiction. We are not required to inquire or determine the authority of any action taken by the U.S. or foreign government entity prior to acceding to any legal process initiated by it.

Please note that your agreement to comply with applicable laws and regulations includes United States economic sanctions laws and regulations, including regulations issued by the Office of Foreign Assets Control (OFAC) of the U.S. Department of the Treasury, and Executive Orders issued by the President of the Unites States.

First Global Money Inc. is a Licensed Money Transmitter

First Global Money Inc. (NMLS ID 1149715)

First Global Money Inc. is licensed as a Money Transmitter by The Georgia Department of Banking & Finance

First Global Money Inc. is licensed as a Money Transmitter by The New York Department of Financial Services

SECURITY AND FRAUD PREVENTION

The Company has taken measures to ensure that our client’s information is protected and the adhere to the Canadian Information Protection and Electronic Documents Act (PIPEDA)and the USA Gramm-Leach Bliley Act (Right to Financial Privacy Act). Your security is very important to us, the company has security measures to protect our client’s information, to make sure that your information is secure. The company is a safe to send money to family members and to other people that you trust. But we urge you to consider carefully before sending money to anyone that you do not know well. In particular, you should be cautious of deals or offers that seem too good to be true. If you think you have been or might be a victim of fraud, please contact us immediately by telephone at 1(877) 793-7171. If you are aware of anyone or any entity that is using the Service inappropriately, please email us at customerservice@firstglobalmoney.com; if you receive any fake (phishing) emails, purporting to be from us, please forward them to us at techsupport@firstglobaldata.com.

Fraud Prevention

Help protect yourself from fraud. You should never use the Service to send money to strangers. Be careful if you are asked to send a money transfer to claim a prize and/or lottery ticket. Send money only to someone you know, or whose identity you can verify. Never provide information about your money transfer over the phone if you are not able to confirm who is the person calling you.

If you have sent a money transfer and suspect fraud, please call First Global at (877) 793-7171 immediately to stop your transaction if the transfer has not yet been paid your money will be refunded.

COMMUNICATIONS

When using the service, most of the transactions will occur within minutes. There may be other circumstances when the payment may take longer. For example, in order to protect you, us, the service, we may need additional time to verify your identity or the identity of the person sending the money. We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated, we will notify you in accordance with your User preferences (i.e. email, push notification). You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your beneficiary’s bank Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your beneficiary’s bank Account. You authorize the Sender, the company to send emails to you and text messages to your mobile phone in connection with your Payment Instructions. You acknowledge and agree that if you provide us with your mobile phone number, we may contact you at that number using autodialed or prerecorded calls or text messages to provide service to your account, request additional information to complete your transaction, investigate or prevent fraud, collect a debt. We will not use autodialed or prerecorded calls or texts to contact you for marketing purposes unless we receive your prior express written consent. We may share your mobile phone number with service providers with whom we contract to assist us in completing your transaction, but we will not share your mobile phone number with third parties for their own purposes without your consent. You can decline to receive autodialed or prerecorded calls or texts to your mobile phone number by contacting us. Standard telephone minute and text charges may apply. You also acknowledge that this 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.

In order to access and retain communications, you must have:

MOBILE ACCESS REQUIREMENTS

In order to use the Service, you will need: (1) a Mobile Internet-enabled access device, and any software and required equipment that can support the Internet browser described on our Browser Requirements page (referred to as a “Mobile Device”). You are responsible for the installation, maintenance and operation of your Mobile Device and all related charges. You are responsible for installing and maintaining appropriate virus protection on your Mobile Device. We are not responsible for any errors or failures caused by any malfunction of your Mobile Device, or your use of the Service. We are not responsible for any viruses, spyware, malware, worms or related problems that may be associated with your Mobile Device. We are also not responsible for any losses or delays in transmission of information that you provide to us or otherwise arising out of or incurred in connection with the use of any Internet or other service provider providing your connection to the Internet or any browser software. You are also responsible for all mobile remote access and other similar charges incurred in connecting to the Online Service and for charges by any Internet service providing connection to the Internet.

An Android device running our mobile app you will need to have:

  • Android version 6.0 (Marshmallow) or later
  • Support for Location Services
  • Internet access (via WIFI or cellular data network)
  • SMS capable

You can use iOS (iPhone 3GS and later) devices running iOS version 8.0 and later and capable of receiving SMS and support for location services.

The Service may include using your location to obtain your Geo-location. We will ask your permission to enable use of your location. You can enable this feature in your device’s or browser’s settings.

OTHER ACCESS REQUIREMENTS

  • an Internet browser that supports 128-bit encryption, such as Firefox version 53 or above or Internet Explorer version 11 or above or Chrome version 58 or above
  • an e-mail account and e-mail software capable of interfacing with the company e-mail servers
  • a personal computer, operating system and telecommunications connections to the Internet capable of supporting the foregoing
  • sufficient electronic storage capacity on your computer's hard drive or other data storage unit
  • a printer that is capable of printing from your browser and e-mail software.
  • a quality anti-virus program. As new viruses are created each and every day, be sure to update your anti-virus program often.

In addition, you must promptly update us with any change in your email address by updating your profile online.

INTELLECTUAL PROPERTY

All other marks and logos related to the Services are either trademarks or registered trademarks of us including but not limited to the content of this website and Mobile access application service, text, graphics, links, buttons, logos, and images. In addition, all page headers, custom graphics, button icons, and scripts are our service marks, trademarks. You may not copy, imitate, or use any of the above without our prior written consent, which we may withhold in our sole discretion, and you may not use them in a manner that undervalue our Services or display them in any manner that implies our sponsorship or endorsement. All right, title and interest in and to the Services, the portion of the Site and Mobile access application service through which the Services is offered, the technology related to the Site and Services, and any and all technology and any content created or derived from any of the foregoing, is our exclusive property. Moreover, any suggestions, ideas, notes, drawings, concepts, or other information you may send to us through or regarding the Site or Services shall be considered an uncompensated contribution of intellectual property to us, shall also be deemed our exclusive intellectual property, and shall not be subject to any obligation of confidentiality on our part. By submitting any such materials to us, you automatically grant (or warrant that the owner of such materials has expressly granted) to us a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, publicly perform and display, create derivative works from and distribute such materials or incorporate such materials into any form, medium, or technology now known or later developed, and you warrant that all so-called “moral rights” in those materials have been waived, and you warrant that you have the right to make these warranties and transfers of rights. You are authorized solely to view and retain a copy of the pages of this website or Mobile access application for your own personal, non-commercial use. You further agree not to: (a) use any robot, spider, scraper or other automated device to access the Service; (b) remove or alter any author, trademark or other proprietary notice or legend displayed on this website and Mobile access application service (or printed pages thereof); or (c) infringe the company’s Intellectual Property or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy.

The technology and software underlying the Service or distributed in connection therewith are the property of First Global Money Inc, its affiliates and Service Providers. Subject to the terms and conditions of this User Agreement, the company hereby grants you a non-transferable, non-sub-licensable, and non-exclusive right and license to use the object code of any Software on your device(s) solely in connection with the Service, provided that you agree not to copy (except as expressly provided herein), modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, or otherwise transfer any right in the Software. Any rights not expressly granted herein are reserved by the Company.

DISPUTE RESOLUTION AND GOVERNING LAW

If a dispute arises between you and the company, 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 the company regarding the Service may be reported online to Customer Service; call 1(877) 793-7171; by fax at 1(800) 257-0160; by email at customerservice@firstglobalmoney.com or by mail at First Global Money Inc., Attn: Customer Service, 555 Richmond St. W., Suite 604, Toronto, Ontario, M5V 3B1, Canada. USA: 5733 Rickenbacker Road, Commerce, CA 90040, USA

Arbitration: For any claim, the party requesting relief may elect to resolve the dispute in a cost-effective manner through binding non-appearance-based arbitration. If a party elects arbitration, that party will initiate such arbitration through an established alternative dispute resolution provider mutually agreed upon by the parties. The provider and the parties must comply with the following rules: a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

All claims you bring against the company must be resolved in accordance with this Agreement. All claims filed or brought contrary to this agreement shall be considered improperly filed, and a breach of this Agreement. Should you file a claim contrary to this Agreement, the company may recover attorneys' fees and costs (including in-house attorneys and paralegals) up to $1,000.00 USD, provided that the Company has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim.

DISCLAIMER OF WARRANTIES

EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, THE SERVICE IS PROVIDED "AS IS", “AS AVAILABLE” BASIS AND WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED OR STATUTORY. WE, OUR SUBSIDIARIES, EMPLOYEES AND OUR SUPPLIERS SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, WITH REGARD TO THE SERVICE DESCRIBED OR PROVIDED. THE COMPANY IS NOT RESPONSIBLE IN ANY MANNER FOR DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES, HOWEVER CAUSED, ARISING OUT OF YOUR USE OF THIS WEBSITE AND/OR MOBILE ACCESS APPLICATION, INCLUDING ANY DAMAGES YOU MAY SUFFER IF YOU TRANSMIT CONFIDENTIAL OR SENSITIVE INFORMATION TO US OR IF WE COMMUNICATE SUCH INFORMATION TO YOU AT YOUR REQUEST OVER THE INTERNET. LINKS TO OTHER WEBSITES FROM THIS WEBSITE AND MOBILE ACCESS APPLICATION ARE FOR CONVENIENCE ONLY. NO ENDORSEMENT OF ANY THIRD-PARTY PRODUCTS, SERVICES OR INFORMATION IS EXPRESSED OR IMPLIED BY ANY INFORMATION, MATERIAL OR CONTENT REFERRED TO OR INCLUDED ON, OR LINKED FROM OR TO THIS WEBSITE AND/OR MOBILE ACCESS APPLICATION. THE COMPANY DOES NOT WARRANT THAT ITS SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED.

We make reasonable efforts to ensure that Transactions are processed in a timely manner, but we make no representations or warranties regarding the time needed to complete processing because the Service is largely dependent on many factors outside our control. Some jurisdictions do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you. This warranty gives you specific legal rights and you may also have other legal rights that vary state to state. Notwithstanding the foregoing, you may have a right to a refund.

Information provided by the company, and other sources on this website and mobile access application service is believed to be accurate and reliable when placed on this site or application, but we cannot guarantee it is accurate or complete or current at all times. Information on this site or application is for informational purposes only and is not intended to provide financial, legal, accounting or tax advice and should not be relied upon in that regard. We endeavor to keep the rates and fees posted at this site current. However, rates, fees and information are subject to change at any time without notice to users and the posted rates and fees at the site may not immediately reflect such changes.

LIMITATION OF LIABILITY

EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, IN NO EVENT WILL THE COMPANY, ITS OWNERS, OFFICERS, SUBISIDIARES, SERVICE PROVIDERS, AGENTS, PARTNERS OR EMPLOYEES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (i) ANY TRANSACTION CONDUCTED THROUGH SERVICE; (ii) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN SERVICES DESCRIBED OR PROVIDED, (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR (iv) ANY OTHER MATTER RELATING TO THE SERVICE DESCRIBED OR PROVIDED, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE SERVICE OR WITH THE TERMS OF THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE. IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF THE SERVICE, ITS OWNERS, DIRECTORS, OFFICERS AND AGENTS LIABILITY IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED $1000.00

INDEMNIFICATION

You acknowledge and agree that you are personally responsible for your conduct while using the service and agree to indemnify and hold harmless the company, its owners, service providers, and their respective subsidiaries, Directors, officers, agents, partners, and employees harmless from and against all claims, losses, expenses, damages and costs claim including, but not limited to 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 the terms of this Agreement, or your violation of any rights of another.

USE OF OUR SITE AND MOBILE ACCESS APPLICATION

You agree to access the site and/or application access services in compliance with our “terms of use”. Unless otherwise required by law, we may amend this Agreement and any applicable fees and charges for the Services at any time by posting a revised version on the Site and/or the application access services. The revised version will be effective at the time it is posted unless a delayed effective date is expressly stated in the revision. Any use of the Services after a notice of change or after the posting of a revised version of this Agreement on the site/application will constitute your agreement to such changes and revised versions. Further, we may, from time to time, revise, update, upgrade or enhance the Service and/or related applications or material, which may render all such prior versions obsolete. Consequently, we reserve the right to terminate this Agreement as to all such prior versions of the Service, and/or related applications and material, and limit access to only the more recent revisions, updates, upgrades or enhancements of the Service.