Terms and Conditions
Policy effective August 1st, 2016
The website www.usmoneyexpress.com (“site”) is powered by U.S. Money Express Company (“USME”). The following agreement (“agreement”) is a description of how the
site may be used, and the services (“services”) that are available through the site. This agreement applies to all methods of technology used to access the service
that exist now, and in the future.
Throughout this agreement, the terms “USME”, “we”, “us”, and “our” refer to U.S. Money Express Company and its employees, consultants, affiliates, agents, and service
providers. The terms “you” and “your” refer to the service users, including senders, recipients, or any other visitor to the site.
Your use of this site and the services it provides constitutes an agreement to the following terms and conditions.
All graphics, text, logos, and any other trademarks are the exclusive property of USME, and may not be used without express permission of USME.
This site and its services are made available without warranty of any kind, or condition, whether expressed, implied, or statutory. USME, its employees, and affiliates
disclaim any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. USME strives to process transactions, refunds, and credits
in a timely fashion. When payment is made, a date of availability will be provided with the receipt. The timing and delivery of services depend on a number of outside
factors that are often outside of our control. Prior to the release of funds, USME reserves the right to authenticate and validate the identity of the account holder,
the source of the funds, funds availability, and the location or receipt type of the recipient.
USME assumes no responsibility and shall not be held liable for any damages or losses of any kind caused by the use of the site or any services made available through it.
This includes any damages caused by technological irregularities including: computer viruses, worms, bots, or anything else that causes damage to computer software,
memory, hardware, or any other like property.
You agree to indemnify, defend, and hold USME, its officers, affiliates, employees, agents, and all other representatives harmless from any claim or demand made by any
third party. This includes all damages, liabilities, legal fees, and losses deriving from the use of this site and its services.
All claims brought against USME must be resolved in accordance with these terms and conditions. Inconsistent claims will be considered a breach of these terms and conditions.
In such an event, USME will be entitled to recover its legal fees and corresponding costs.
By agreeing to these terms you hereby waive your right to any joint claims with others in the form of a class action. Any claim must be in an individual capacity only.
You agree that this agreement, along with any supplements, additions, and modifications may be provided to you and received by you via this site. Any other communication
related to this site and its services may also be provided.
If it has been determined that USME has failed to act or enforce any right or provision from this agreement, you agree that this will not constitute a waiver of the right
or provision. All other provisions will remain in force and effect. Both parties agree to strive to give valid effect to the intention of this agreement as reflected
in the provision in question. If it has been determined that any provision is illegal, invalid, or unenforceable, this shall not constitute a waiver of any other
provision of this agreement. All other provisions and agreements will remain intact.
USME may modify and/or change this agreement without notice at any time, within our legal right. The current version will be available for review at all times via the site.
If you use the services after the effective date of the new agreement, this will be seen as an acceptance of the new agreement. This agreement replaces and supersedes
all previous agreements between you and USME.
The service may not be available to some users in certain parts of the United States, Canada, or in all or certain countries. Please consult the Licensing section.
- You must not provide false or inaccurate information to USME when using our service.
- You must be at least 18 years of age to use the service as a sender, and be able to form legally binding contracts.
- You may not use the service for any improper purpose, including but not limited to illegal gambling, purchase of illegal substances or products, terrorism, controlled substance purchase, fraud, money laundering, and prostitution or human trafficking.
- You cannot try to access the service by means of anonymizing proxy.
- You agree to all monitoring requirements and record keeping.
- USMEreserves the right to reject a transaction at any point before the delivery of funds.
- USME reserves the right to validate your bank account prior to the release of the transaction. Also, we reserve the right to review any transaction for security purposes. The processes may delay the release of funds. This is done to protect you from fraud, and safeguard your financial account.
- We may choose to refuse to process transactions that include entities or individuals on government watch lists, and nations that are deemed non-cooperative or supporters of terrorism.
- Maximum permissible amounts for single and daily transfers apply.
In an effort to combat fraud and other crimes, such as terrorism, we are compelled by US law to collect, verify, and record personal and private information about
customers. We may also gather information about you, your recipient, or beneficiary, with or without your knowledge, during the use of our service. We may store
this information in our database for administrative purposes.These collections may delay a transaction until verification is complete. We reserve the right to
contact you further as part of this verification process. This information may be provided to government authorities and law enforcement agencies.
For detailed information regarding the collection of information and sharing, please refer to our Privacy Notice.
You agree to provide accurate personal and financial account information, and not to misrepresent your identity or authority.
Money laundering is the concealment of the origins of illegally obtained money. Strict federal laws exist to combat this practice.
USME has a rigorous compliance program to ensure compliance with these rules and regulations. We adhere strictly to use these laws to prevent the use of our
service in money laundering operations.
Third Party Access
You authorize USME and its affiliates to access third party websites on your behalf to obtain information requested by you, or required by USME, to verify
financial account information. You appoint us an agent of your behalf, with the power of substitution and re-substitution in all capacities to access third party sites. You agree that USME is acting on your behalf and not on behalf of a third party.
The service is provided without any representation of warranty. USME and its affiliates disclaim all warranties whether express or implied.
You agree that USME and its affiliates will not be held liable for any indirect, direct, incidental, special, consequential, or exemplary damages.
This includes, but is not limited to, the loss of goods, profits, data, or other intangible losses.
You agree to indemnify USME and its affiliates from any and all third party claims, liability, damages,
expenses, and costs (including legal costs) arising from the use of our service.
Transfer Service and Fees
You authorize us to transfer funds, according to your instructions, using any of our transfer systems. Transfers will be made in accordance with our
compliance and security procedures. A schedule with USME’s rates and fees will be provided to the sender before a transaction is completed.You agree
that we may debit your account for the amount of the funds transfer as well as any fees or service charges. Transfers will normally be made available
for pick up by the recipient during the normal hours of operation any select location. You understand that delays may occur based on certain locations.
The recipient must present a valid form of identification, and may be required to fill out a payout form, or funds may be withheld.
A transfer number may or may not be required to receive a transfer.
Cut Off Times
We reserve the right to establish and/or changes cut-off times for the receipt and processing of transfer requests, changes, and cancellations.
We are not obligated to accept or execute any transfer request, change, or cancellation. We may reject a request for a number of reasons, not limited
to: insufficient funds, incorrect account information, security concerns, reasonable cause, or by law.
If funds are paid out in a currency different from the sender’s, and if the exchange rate is applied at the time of transaction, the pay-out amount
will be shown on the receipt. Often in such cases, USME may benefit from the difference in the foreign exchange rate. In the case of cancellations for
reasons outside of USME’s control, the amount refunded to the sender will be calculated at the most current exchange rate at the time of the refund process.
If the recipient requests that the cash payout be made in a currency other than that designated by the sender, or when the transfer is credited to a recipient’s
foreign bank account in a currency different from that of the transfer currency, the foreign bank that executes the transfer or maintains such account may apply
its own exchange rates and exchange fees. Such exchange constitutes a separate transaction and is not a part of this money transfer.
Changes and Corrections
Certain transfers allow for corrections or changes of the recipient’s information to be made. Requests of this nature must be made in writing or via email.
Additional charges may apply.
Other Fees that May Apply
USME is not responsible for any fees or charges that may be imposed by financial institutions associated with the payment instrument you use. Some credit
card companies may charges extra fees for the use of our service. As this is not part of our service, and is outside of our control, we are not liable for
reimbursement of any of these fees.
If a transfer identifies a beneficiary by name and the account number, payment might be made by beneficiary’s bank based solely upon the account number, even
if the account number identifies person different form the named beneficiary. As the result, funds may be credited to the person different that intended
beneficiary and, in some cases, may not be recovered. USME accepts no responsibility for any losses caused by incorrect information provided by sender.
You agree to pay the all legal fees accrued by us in the collection of indebtedness and/or the enforcement of claims arising under this agreement.
Right to Refuse
We reserve the right to refuse or limit any transaction. We also reserve the right to discontinue our service to anyone without prior notice.
We do not guaranty or assume any liability for the sale, delivery, quality, or legality of items or services purchased from third parties using our service.
We do not recommend that you use our service for such transactions. We reserve the right to reject such transactions.
When adding or updating a bank account, we may require it to be validated, and the sender confirmed as the owner of the account.
Failure to comply in the validation process may delay or result in the cancellation of a transfer.
Disputes, Refunds and Cancellations
You can cancel transaction for a full refund within 30 minutes of payment, unless the funds have been already picked up or deposited.
You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days of the transfer availability at 888.273.0828 or inquiry at www.usmoneyexpress.com. You can also contact us for a written explanation of your rights.
We are not obliged to process a refund until the cancellation of funds has been confirmed by a USME correspondent or affiliate. Any funds or credit provided
by us for the transfer shall be immediately returned to USME or its affiliates. The sender may request a refund of cancellation in writing or via email to
USME (see address below) or at the location of the agent at which the transfer originated. All refunds must be accompanied by the original receipt. Sender
is obligated to pay any fees or charges. This may be deducted from the refund amount. After receipt of all proper documentation, we strive to process the refund
within 45 days. There shall be no right to refund if sender provides inaccurate information.
Cash payout transactions not picked up within the time specific for the type of the transfer will be cancelled and returned. Sender is obligated to pay any
related fees or charges, and they may be deducted from the refunded amount. USME accepts no responsibility for any losses that sender incurs in relation to
such return, including the losses that may result from difference in the exchange rate.
U.S. Money Express Co. is licensed and regulated as a Money Transmitter by the banking or financial authorities in the following states: CT, DE, FL, IL, MA (FT 2893),
MI, NJ, NY, OH, and WI. USME is authorized by the Department of Banking to transmit money by check, draft, or money order in the Commonwealth of Pennsylvania.
U.S. Money Express Co. is licensed to do business in Canada by Ontario Ministry of Government Services, Autorite Des Marches Financiers in Quebec and is registered by FINTRAC.
U.S. Money Express Co.
5395 N Milwaukee Ave
Chicago, IL 60630
Telephone (toll free): 888-273-0828