1. Introduction
These Terms & Conditions govern the use of our money transfer services. By placing an order or using our services, you agree to be bound by these Terms.
2. Our Services
We provide international money transfer services to Afghanistan, Pakistan, and other countries supported by our network. Services are subject to local laws, regulations, and availability.
3. Customer Eligibility
To use our services, you must:
- Be at least 18 years old.
- Provide accurate and complete personal information.
- Comply with all applicable laws and regulations.
- Complete identity verification (KYC) when requested.
We reserve the right to refuse service where required by law or where fraudulent or suspicious activity is suspected.
4. Identity Verification (KYC)
Customers must provide valid government-issued identification and any additional documents requested, including proof of address or source of funds where required.
Failure to provide satisfactory documentation may result in delays, cancellation, or refusal of the transaction.
5. Exchange Rates & Fees
Exchange rates are determined at the time the transaction is confirmed.
Where applicable:
- Online Rate applies to customer online transactions.
- Cash Rate applies to transactions processed through our agents.
Our fees, where applicable, are disclosed before the transaction is completed.
6. Payment
Transfers will only be processed after cleared payment has been received.
We accept approved payment methods only. We reserve the right to reject payments that cannot be verified.
7. Delivery of Funds
Most transfers are completed on the same business day; however, delivery times depend on:
- Destination country
- Recipient bank or payout partner
- Compliance checks
- Public holidays
- Technical interruptions
Estimated delivery times are not guaranteed.
8. Cancellation & Refunds
Customers may request cancellation before the transfer has been paid to the recipient.
If the transfer has already been collected or credited, it cannot be cancelled or refunded.
Refunds, where applicable, will normally be made using the original payment method.
Any exchange rate differences or third-party charges may affect the refund amount.
9. Customer Responsibilities
Customers are responsible for ensuring:
- Recipient details are correct.
- The transfer amount is accurate.
- Contact information is up to date.
We are not responsible for delays or losses caused by incorrect information supplied by the customer.
10. Prohibited Transactions
Our services must not be used for:
- Money laundering
- Terrorist financing
- Fraud
- Illegal gambling
- Sanctioned individuals or organisations
- Any unlawful purpose
Suspicious transactions may be delayed, refused, reported to the relevant authorities, or frozen in accordance with applicable laws.
11. Compliance
We comply with Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), Know Your Customer (KYC), and applicable sanctions regulations.
We may request additional documentation or information at any time.
12. Limitation of Liability
We are not liable for delays or failures caused by:
- Government actions
- Banking system failures
- Force majeure events
- Incorrect customer information
- Technical failures outside our reasonable control
Our maximum liability is limited to the amount of the transfer and any fees paid, except where liability cannot be excluded by law.
13. Data Protection
We process and store customer information securely in accordance with applicable data protection laws.
Information may be shared only with regulators, banks, payment partners, or law enforcement where legally required.
Payout proof documents are only accessible to authorised personnel and are not shared with the sender unless legally required.
14. Fraud Prevention
We reserve the right to:
- Delay transactions for additional verification.
- Request further identification.
- Refuse or cancel transactions suspected of fraud or criminal activity.
- Suspend or close customer accounts where misuse is suspected.
15. Complaints
If you are dissatisfied with our service, please contact our customer support team. We will investigate complaints promptly and respond within a reasonable timeframe.
16. Changes to These Terms
We may update these Terms & Conditions from time to time. The latest version will be available on our website and will apply to future transactions.
17. Governing Law
These Terms & Conditions are governed by the laws of the country in which our company is registered. Any disputes shall be subject to the exclusive jurisdiction of the courts of that country.