CONSUMER FRAUD ALERT: PROTECT YOURSELF. BE CAREFUL WHEN A STRANGER ASKS YOU TO SEND MONEY, ESPECIALLY FROM UNSOLICITED E-MAILS, FOR INTERNET AUCTIONS, NEWSPAPER OR TELEPHONE OFFERS.

Notify us immediately if you believe your username and password have been lost or stolen or if someone may use them without your permission.

FOR SECURITY REASONS, WE RECOMMEND THAT YOU SEND MONEY THROUGH THE SERVICE ONLY TO PEOPLE YOU KNOW PERSONALLY. YOU MUST NOT USE THE SERVICE TO SEND MONEY TO STRANGERS OR IN VIOLATION OF ANY APPLICABLE LAWS.

Terms and Conditions (effective as of December 18, 2018)

1. Contract Formation and Overview

2. Definitions

In these Terms and Conditions, unless the context otherwise requires, the following words and phrases shall have the meaning assigned to them hereunder.

3. Registration

By creating a Registered User ID and Registered User Password, you hereby agree that:

4. Payment Account Verification

You hereby acknowledge and agree that:

5. Use of the Website

You acknowledge and agree that:

6. Conduct of Customer/Users

You acknowledge and agree that:

7. Other Terms

You acknowledge and agree that:

8. Refunds, Concerns and Complaints

You must contact us within 180 days of the date we promised to you that funds would be made available to the recipient. When you do, please tell us:

We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation.

What to do if you want to cancel a remittance transfer:

You have the right to cancel a remittance transfer and obtain a full refund of all funds paid to us including any fees. In order to cancel, you must contact us at 1-866-808-2703 and/or customer.service@moneydart.com within 30 minutes of payment for the transfer.

When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the amount and location where the funds were sent. We will refund your money within three business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipient's account.

Alaska:

For Alaska Residence Only:

If your issue is unresolved by Moneydart Global Services Inc., DBA Xpress Money, DBA Money2anywhere, DBA Remit2india please submit formal complaints with the State of Alaska, Division of Banking & Securities.

Formal complaints must be in writing, please download the form here: https://www.commerce.alaska.gov/web/portals/3/pub/DBSGeneralComplaintFormupdated.pdf

Formal complaint forms may be submitted via:

If you have questions regarding formal complaints, please call 907-465-2521

California:

You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement, if we do not forward the funds received from you within ten (10) days of the date of its receipt of such funds, or we fail to give instructions committing an equivalent amount of funds to the person designated by you within ten (10) days of the date of the receipt of the funds from you unless otherwise instructed by you.

If your instructions as to when the funds shall be forwarded or transmitted are not complied with and the funds have not yet been forwarded or transmitted, you have a right to a refund.

If you want a refund, you must mail or deliver your written request at: Customer Service, customer.service@moneydart.com by email or by mail to 1000 Woodbridge Center Drive, Woodbridge, NJ 07095. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to $1,000 and attorney's fees pursuant to Section 2102 of the California Financial Code.

If you have complaints with respect to any aspect of the money transmission activities conducted at this location, you may contact the California Department of Business Oversight at its toll-free telephone number, 1-866-275-2677, by email at consumer.services@dbo.ca.gov or by mail at the Department of Business Oversight, Consumer Services, 1515 K Street, Suite 200, Sacramento, CA 95814.

Colorado:

Entities other than FDIC insured financial institutions that conduct money transmission activities in Colorado, including the sale of money orders, transfer of funds, and other instruments for the payment of money or credit are required to be licensed by the Colorado Division of Banking pursuant to the Money Transmitters Act, Title 11, Article 110, Colorado Revised Statutes.

If you have a question about or problem with your transaction—the money you sent—you must contact the money transmitter who processed your transaction for assistance. The Division of Banking does not have access to this information.

If you are a Colorado resident and have a complaint about the money transmitter—the company that sent your money, all complaints must be submitted in writing. Please fill out the Complaint Form provided on the Colorado Division of Banking's website and return it and any documentation supporting the complaint via mail or email to the Division of Banking at: Colorado Division of Banking, 1560 Broadway, Suite 975, Denver, CO 80202.

email: DORA_BankingWebsite@state.co.us

website: www.dora.colorado.gov/dob

Section 11-110-120, C.R.S. requires that money transmitters and money order companies post this notice in a conspicuous, well-lighted location visible to customers

Florida:

Moneydart is a licensed money transmitter under Chapter 560, Florida Statutes. For suspected violations of Chapter 560, Florida Statutes, call Moneydart at 1-866-808-2703 or contact the Florida Office of Financial Regulation, 200 East Gaines Street, Tallahassee, FL 32399-0376, (850) 487-9687.

Illinois:

The Illinois Division of Banking will accept complaints at 888-473-4858, or by mail at: 320 West Washington Street, Springfield, Illinois 62786.

Maryland:

The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Moneydart (License # 1026711, NMLS # 1026711) at: 500 North Calvert Street, Room 402, Baltimore, Maryland 21202. Phone number: 888-784-0136.

Minnesota:

We will cooperate with a lead investigative agency, law enforcement, or prosecuting authority that is investigating maltreatment of a vulnerable adult and comply with reasonable requests for the production of financial records as authorized under section 13A.02, subdivision 1 of Minnesota law. We are immune from any civil or criminal liability that might otherwise result from complying with this subdivision.

Rhode Island:

Moneydart holds an electronic money transfer license issued by Rhode Island Department of Business Regulation – Division of Banking

Texas:

If you have a complaint, first contact the consumer assistance division of Moneydart at 1-866-808-2703. If you still have an unresolved complaint regarding the company's money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking: 2601 North Lamar Boulevard, Austin, TX 78705-4294, 1-877-276-5554 (toll free), www.dob.texas.gov

Washington:

Entities other than FDIC insured financial institutions that conduct money transmission activities in Washington State, including the sale of payment of money or credit are required to be licensed. If there are questions or concerns regarding a transaction with a licensee please contact the Washington State Department of Financial Institutions at (360) 902-8703 or by mail at: Department of Consumer Services, 150 Israel Road Southwest, Olympia, WA 98504-1200.

To file a complaint, please provide: the name of the company, office location, and who you contacted at the company; your name, mailing address, and ten digit phone numbers; and a simple explanation of the problem, with a list of events in chronological order, making sure to include names and dates. Be specific and as brief as possible. For electronic submission, please complete the form found on the website: www.dfi.wa.gov under Consumer Information: File a Complaint.

You, the customer, are entitled to a refund of all moneys received for transmission within ten (10) days of receipt of a written request for refund unless any of the following occurs:

9. Cancelling Payments (other than as permitted in Para. 8.1)

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED OR STATUTORY. WE, OUR SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUPPLIERS, AGENTS, AND SERVICE PROVIDERS SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. 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.

11. Indemnity

You agree to indemnify and hold Moneydart, its affiliate partners, Service Providers, and their respective subsidiaries, officers, directors, owners, agents, partners, employees, licensors, licensees and consultants harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Service, your connection to the Service, your violation of the agreement, or your violation of any rights of a third party. You shall stand indemnified, right to initiate legal proceedings, wherein there is a breach of any terms and conditions by Moneydart and its affiliate partners shall be specifically excluded from the purview of legal action. Moneydart, its affiliates partners and Service Providers shall stand indemnified wherein the Services are availed by you in foreign jurisdictions where the Website or Services cannot be offered without prior legal or regulatory compliance. Moneydart reserves the right, at its own expense, to assume the exclusive defense and control of any matter and you shall not in any event settle any matter without the written consent of Moneydart.

12. Limitation of Liability

EXCEPT FOR CLAIMS UNDER SECTION 2102 OF THE CALIFORNIA FINANCIAL CODE ARISING FROM TRANSACTIONS ORIGINATING IN CALIFORNIA, IN NO EVENT SHALL MONEYDART, ITS AFFILIATES, SUBSIDIARIES, SERVICE PROVIDERS, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES BEYOND THE SUM OF $500.00 (IN ADDITION TO REFUNDING THE TRANSACTION AMOUNT AND SERVICE FEES), INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF Moneydart HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM NEGLIGENCE ON THE PART OF Moneydart, ITS SUPPLIERS, VENDORS, SERVICE PROVIDERS, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS.

13. Intellectual Property

14. Disclaimer

15. Security

We take security very seriously and work hard, using state-of-the-art security measures, to make sure that your information remains secure. Our Service is a safe and convenient way to send money to friends and family and to other people that you trust. HOWEVER, WE DO ADVISE YOU TO CONSIDER CAREFULLY PRIOR TO SENDING MONEY TO ANYONE THAT IS NOT PERSONALLY KNOW TO YOU. IN PARTICULAR, BE CAUTIOUS OF DEALS OR OFFERS THAT SEEM TOO GOOD TO BE TRUE - THEY MAY BE SCAMS. IF YOU ARE AWARE OF ANYONE OR ANY ENTITY THAT IS USING THE SERVICE INAPPROPRIATELY, PLEASE EMAIL YOUR COMPLAINT TO US. SIMILARLY, IF YOU RECEIVE ANY EMAILS PURPORTING TO BE FROM US, WHICH YOU SUSPECT MAY BE "PHISHING" (FAKE) EMAILS, PLEASE FORWARD THEM TO US.

16. Governing Law and Jurisdiction

17. Fees and Charges