User Agreement

Do not enter or use the service if you do not agree to be bound by the User Agreement. By entering and using the service, you agree to the User Agreement.

The terms "Company", "we" and "our" used in this User Agreement refer to XCOOP GLOBAL TRANSFERS LLC, as well as its employees, consultants, directors, successors, branches, affiliates and assigns. The terms "you" and "your" refer to the users of the Service, whether as Senders, Recipients, Beneficiaries or visitors to our websites.

1. Description of the service

The purpose of the Service is for our customers to send or request money transfers, cell phone recharges, or service payments to, from, or for family and friends. We recommend that you use the Service to send money to, or recharge cell phones from, or to pay for services from, only people you know personally. You should never use the Service to send requests to strangers or to send money to, or to recharge cell phones, or to pay for services from strangers.

XCOOP GLOBAL TRANSFERS LLC is a licensed provider of money transfer services, and all money transfers are provided by XCOOP, pursuant to licenses from XCOOP GLOBAL TRANSFERS LLC.

CONSUMER FRAUD ALERT: PROTECT YOURSELF FROM SCAMS AND FRAUD. Only send money or make cell phone recharges to people you know, or pay for services for people you know, protect your password, make shipments or requests only for yourself and never on behalf of other people and, use XCOOP exclusively for legal purposes. Click here to learn more about sending money safely. If you believe someone is trying to scam or scam you, or if your username or password has been lost or stolen, please notify us immediately at Customer Service or by email.

The Service allows people to request, send and receive money and cell phone recharges and pay for services around the world. A "Sender" is the person who uses the service to send money or to recharge cell phones. A "Recipient" is a person who sends a request to transfer money or to recharge a cell phone, to a Sender, or who receives money or cell phone recharges from a Sender, through the Service A "Service Company" is a company utility or other entity that receives payment of a bill from a Sender, through the Service. A "Payee" is the person who sends an invoice payment request to a Sender or to whom the Sender pays an invoice through the Service. (For example and, As an illustration only, if you use the Service to pay your relative's electricity bill, the relative is your Beneficiary and the electricity company receiving the payment is the Service Company for that Transaction). You agree that the person called "Beneficiary" in this User Agreement, may be referred to as the "Recipient" on receipt of your payment for services. The "Destination Country" is the country in which the Recipient, or the Service Company, receives the money or a cell phone recharge, through the Service. A "transaction" is a specific instruction to send money through the service. The “Transaction Amount” is the amount of money that the Sender gives us to send the transaction, excluding the Transaction Fee.

2. Access to the service

Users who qualify. You must be at least eighteen (18) years of age to enter or use the Service as a Sender. You must have the ability to enter into legally binding contracts under applicable law. Other restrictions may apply.

Mobile Services. The service is also accessible from a mobile device. When you use the service from a mobile device, you may incur charges, data fees and other charges from your wireless service provider.

Services pay. You certify that your Beneficiary has authorized you access to your account information and you allow the Company to collect and verify information about your Beneficiary.

PP2 users who choose to ship with the PP2 XCOOP service. You agree that if you initiate a transaction in your account with PP2 and choose to complete your transaction with the XCOOP service or, choose to enter the XCOOP service with your PP2 username and password and, you do not yet have an account with XCOOP, it will be created an account with XCOOP for you with the same username and password that you use to log into your account with PP2. You also acknowledge and agree that PP2 will share your profile information and the Payment Instruments registered in the XCOOP service, in order to complete your transaction. We may, at our own discretion, decline Transactions paid with certain Payment Instruments and you agree that there is no guarantee that any or all of the Payment Instruments that you have registered in your PP2 account will be available for your use when you use the XCOOP service to complete your transaction. You also agree that in order to access transactions that you complete using the XCOOP service, you will need to log into your account with XCOOP. Any transaction you complete using the XCOOP service will appear on your bank account and credit card or PP2 statements, as charged by the XCOOP service. If you want to edit your Payment Instruments that you have registered in your account with PP2, you must do so within your account with PP2.

Requests You represent that XCOOP has your permission to share with your Sender the information that you provide to XCOOP, as necessary to provide the Service. You further represent that you personally know your Sender and that you are authorized to share your Sender's email address with XCOOP.

XCOOP is not registered as a financial services provider.

Not available for some users. The Service may not be available, in whole or in part, in some countries and jurisdictions, subject to local laws and regulations.

3. Offer and acceptance

If you make a transaction, it means that you ask us to process it, a request that we can accept or reject in our sole discretion.

4. Payment

Charges. For each transaction you make, you agree to pay us a transaction fee (the "Service Fee") plus the amount of the transaction. Additional charges may apply. Payment must be made at the time the Transaction is submitted for processing. We only accept payment in US dollars. If you enter into a Transaction that results in charges being charged to us for insufficient funds, reversed charges, or other similar charges, you agree to reimburse us for all such charges. For Transactions charged to the sender's bank account, you agree that, from time to time, we may charge your bank account less than the amount of the transfer (e.g., on a $ 500 transfer,

Payment. In order for us to receive your payment, you authorize us access to load or debit funds from any of the Payment Instruments that you provide to us in connection with your use of the Service (each is a "Payment Instrument") including, for example, your credit card, debit card or bank account. If your payment cannot be completed or is insufficient, we may attempt to debit your Payment Instrument one or more more times, or you may authorize us to debit a different Payment Instrument. For example, if there are insufficient funds in your bank account at the time you made the Transaction, we may try to debit your bank account or charge your credit card at a later time.

Other charges. We are not responsible for any fees or charges that may be charged by financial institutions related to your Payment Instruments. For example (without limitation), your credit card issuer may charge you a cash advance fee plus interest, if you use your credit card as a Payment Instrument. We are not responsible for any of the aforementioned commissions, nor are we responsible for insufficient funds charges, charges for reversal of charges or similar fees that are charged to you by your bank, your credit card issuer or other providers, in regarding your use of the Service.

Foreign currency. We and our Service Providers (as defined below) usually earn money when you make a Transaction in the currency of one country and the Transaction is paid in the currency of another country, due to the difference between the exchange rate at which we buy the foreign currency and the exchange rate that is provided to you. You agree that when sending a Transaction to a Recipient's bank account, the bank account is expressed in the same currency as the Transaction (for example, if the Transaction instructs us to deposit pesos in the Recipient's bank account, you confirm that the Recipient's bank account is expressed in pesos).

Scheduled money transfers. By using XCOOP's scheduled money transfer product, you authorize us to conduct Transactions on your behalf, in accordance with your instructions. You agree that we will continue to process Recurring Money Transfer Transactions, until you instruct us to stop. You further agree that you must schedule money transfers at least five (5) business days prior to the date of shipment. If you cancel a recurring money transfer Transaction before 11:59:59 PM (Pacific Time) on the eve of the date on which the Transaction is scheduled to process, we will cancel the transaction and will not debit your source of money.

5. Disbursement of transactions

Service providers. We work with local banks, exchange houses and other service providers (each of them is a "Service Provider") to recharge cell phones and pay Recipients and Service Companies. You, as the sender, hereby name your recipient as your agent, for the purpose of receiving the funds related to the service. We strive to keep up-to-date information on the location, availability, and hours of our service providers on our websites. However, you agree that we are not responsible for any incomplete or inaccurate information that may be posted on the XCOOP websites.

Check. Before receiving funds, Recipients may be required to verify their identity by presenting valid and current identification document (s) that appear on the list of accepted identification documents. Additionally, recipients may be asked to provide the transaction number or other similar identifier related to their transaction. You authorize the Company to contact your Recipient or the Service Company and store all the information that is necessary to provide the Service. Please confirm that your account information and bank details are correct before submitting your Transaction, as we are not responsible for detecting inaccuracies.

6. Restrictions

General. At any time, without prior notice and at our sole discretion, we may reject any transaction or limit the amount to be transferred, either in an individual Transaction or in a set of Transactions. Any of these limits may be imposed on individual accounts, or on related accounts or family groups, at our sole discretion. We reserve the right, at any time, and periodically, to modify or suspend the service (or any of its parts) with or without prior notice.

Delays Your Transaction may be delayed or canceled at any time without prior notice, before your Recipient or the Service Company has received the Payment Amount for the cell phone recharge. We may delay or cancel your Transaction for reasons including, but not limited to: identity verification; validation of your Transaction instructions and Payment Instruments; verification of compliance with fraud and money laundering regulations; contact and locate you, your Beneficiary, the Service Company, your Sender or your Recipient; enabling or disabling for POWR (as defined below); and compliance with relevant laws. Working hours, system availability and currency availability from our service providers may also cause delay. However, you may be entitled to a refund in certain circumstances, as detailed in Section 10 below.

Commercial transactions. You agree that you will only use the Service to send requests or to send money or to recharge cell phones for individuals or for Beneficiaries for personal reasons. If we discover that you use the Service to request or send Transactions from or, on behalf of a company or any other non-human entity, other than payments made to Service Companies specifically included in the Service, we may, at our sole discretion, cancel your Transaction (s) and cancel your account and / or the accounts of your Sender and your Recipient. You acknowledge that you cannot hold XCOOP responsible if you use the Service for commercial purposes,

Cell phone recharges. You accept that our responsibility in Cell Phone Top-Up Transactions is to confirm the transfer of the Payment Amount from a Sender's account to a Recipient's cell phone account, as a cell phone top-up. You further agree that we offer estimated values ​​of Local Taxes and other charges that may be charged by a Recipient's cell phone operator (the "Operator"), in a cell phone recharge transaction, but that the exact amount of Local Taxes and the commissions will be determined by the Destination Country and the Operator. You acknowledge that both you and your Recipient have read the terms and conditions applicable to the recipient's cell phone account (the " Fees and taxes caused by a service recharge, the expiration of the recharge, the quality and quantity of airtime, data and other services for which the recharge is used. Once the payment amount is accepted by the Operator, the Cellular Service Agreement covers all services for which the Recipient uses the recharge. The terms and conditions are different for each Operator, Country of Destination and the terms of the Cellular Service Agreement. You agree that you will contact your Operator directly for any questions or problems related to the application of the recharge to the services provided by the Operator. Fees and taxes caused by a service recharge, the expiration of the recharge, the quality and quantity of airtime, data and other services for which the recharge is used. Once the payment amount is accepted by the Operator, the Cellular Service Agreement covers all services for which the Recipient uses the recharge. The terms and conditions are different for each Operator, Country of Destination and the terms of the Cellular Service Agreement. You agree that you will contact your Operator directly for any questions or problems related to the application of the recharge to the services provided by the Operator. the quality and quantity of airtime, data and other services for which the recharge is used. Once the payment amount is accepted by the Operator, the Cellular Service Agreement covers all services for which the Recipient uses the recharge. The terms and conditions are different for each Operator, Country of Destination and the terms of the Cellular Service Agreement. You agree that you will contact your Operator directly for any questions or problems related to the application of the recharge to the services provided by the Operator. the quality and quantity of airtime, data and other services for which the recharge is used. Once the payment amount is accepted by the Operator, the Cellular Service Agreement covers all services for which the Recipient uses the recharge. The terms and conditions are different for each Operator, Country of Destination and the terms of the Cellular Service Agreement. You agree that you will contact your Operator directly for any questions or problems related to the application of the recharge to the services provided by the Operator. the Cellular Service Agreement covers all services for which the Recipient uses the recharge. The terms and conditions are different for each Operator, Country of Destination and the terms of the Cellular Service Agreement. You agree that you will contact your Operator directly for any questions or problems related to the application of the recharge to the services provided by the Operator. the Cellular Service Agreement covers all services for which the Recipient uses the recharge. The terms and conditions are different for each Operator, Country of Destination and the terms of the Cellular Service Agreement. You agree that you will contact your Operator directly for any questions or problems related to the application of the recharge to the services provided by the Operator.

We only withdraw you when they receive or "POWR". For certain XCOOP Transactions, it is possible that the Service Company or its Recipient will receive the mobile recharge or the transferred funds, before their Payment Instrument has been debited for the Transaction Amount, the Transaction Commission or any other additional cost. . We call this product POWR, although it may have different names depending on the destination country or service provider. If your transaction qualifies for the “POWR” product, then your payment source will not be debited until the Service Company or its Recipient receives the recharge or funds. You agree that not all Transactions qualify for the POWR product, and that the POWR product is subject to many factors including (without limitation) Destination Country, payment source, shipment amount, transaction history, and approval by our proprietary verification system . We note that you will (or may not) be able to know whether you qualify for POWR only after you have authorized the Transaction and that the fact that a previous Transaction has qualified for POWR does not guarantee the qualification of subsequent Transactions for POWR. We reserve the right to terminate, suspend or modify the POWR service at any time and to reject any Transaction from the POWR rating at any time and for any reason. including (without limitation) Destination Country, payment source, shipment amount, transaction history, and approval by our proprietary verification system. We note that you will (or may not) be able to know whether you qualify for POWR only after you have authorized the Transaction and that the fact that a previous Transaction has qualified for POWR does not guarantee the qualification of subsequent Transactions for POWR. We reserve the right to terminate, suspend or modify the POWR service at any time and to reject any Transaction from the POWR rating at any time and for any reason. including (without limitation) Destination Country, payment source, shipment amount, transaction history, and approval by our proprietary verification system. We note that you will be able (or not) to know whether you qualify for POWR only after you have authorized the Transaction and that the fact that a previous Transaction has qualified for POWR does not guarantee the qualification of subsequent Transactions for POWR. We reserve the right to terminate, suspend or modify the POWR service at any time and to reject any Transaction from the POWR rating at any time and for any reason. transaction history and approval by our proprietary verification system. We note that you will (or may not) be able to know whether you qualify for POWR only after you have authorized the Transaction and that the fact that a previous Transaction has qualified for POWR does not guarantee the qualification of subsequent Transactions for POWR. We reserve the right to terminate, suspend or modify the POWR service at any time and to reject any Transaction from the POWR rating at any time and for any reason. transaction history and approval by our proprietary verification system. We note that you will (or may not) be able to know whether you qualify for POWR only after you have authorized the Transaction and that the fact that a previous Transaction has qualified for POWR does not guarantee the qualification of subsequent Transactions for POWR. We reserve the right to terminate, suspend or modify the POWR service at any time and to reject any Transaction from the POWR rating at any time and for any reason. the fact that a previous Transaction has qualified for POWR does not guarantee the classification of subsequent Transactions for POWR. We reserve the right to terminate, suspend or modify the POWR service at any time and to reject any Transaction from the POWR rating at any time and for any reason. the fact that a previous Transaction has qualified for POWR does not guarantee the classification of subsequent Transactions for POWR. We reserve the right to terminate, suspend or modify the POWR service at any time and to reject any Transaction from the POWR rating at any time and for any reason.

Unauthorized transactions. You may not use the Service in contravention of this User Agreement or the relevant laws, rules or regulations. It is considered a violation of this User Agreement to use the Service for any of the following activities (without limitation): materials or services with sexual orientation; betting and games of chance; fraud; money laundering; financing of terrorist organizations; buying or selling tobacco, firearms, prescription drugs, or other controlled substances; or for cell phone recharges or sending money to a Recipient or, for a Beneficiary who has violated the User Agreement. If you use the service in connection with illegal conduct, we reserve the right to report it to the corresponding police authority (s). The purpose of the Service is for our customers to send or request money transfers, cell phone recharges, or service payments to, from or for family and friends. We may, in our sole discretion, cancel any Transaction and close any account that we suspect is being used for any purpose prohibited by this User Agreement, including sending Transactions from, to or on behalf of a company or any other non-human entity. . You acknowledge that you cannot hold the Company responsible if you use the Service in violation of this User Agreement. The purpose of the Service is for our customers to send or request money transfers, cell phone recharges, or service payments to, from or for family and friends. We may, in our sole discretion, cancel any Transaction and close any account that we suspect is being used for any purpose prohibited by this User Agreement, including sending Transactions from, to or on behalf of a company or any other non-human entity. . You acknowledge that you cannot hold the Company responsible if you use the Service in violation of this User Agreement. The purpose of the Service is for our customers to send or request money transfers, cell phone recharges, or service payments to, from or for family and friends. We may, in our sole discretion, cancel any Transaction and close any account that we suspect is being used for any purpose prohibited by this User Agreement, including sending Transactions from, to or on behalf of a company or any other non-human entity. . You acknowledge that you cannot hold the Company responsible if you use the Service in violation of this User Agreement. In our sole discretion, cancel any Transaction and close any account that we suspect is being used for any purpose prohibited by this User Agreement, including sending Transactions from, to or on behalf of a company or any other non-human entity. You acknowledge that you cannot hold the Company responsible if you use the Service in violation of this User Agreement. In our sole discretion, cancel any Transaction and close any account that we suspect is being used for any purpose prohibited by this User Agreement, including sending Transactions from, to or on behalf of a company or any other non-human entity. You acknowledge that you cannot hold the Company responsible if you use the Service in violation of this User Agreement.

Disabling. Not all Payment Instruments are available to all customers, at all times. At our sole discretion, we may reject Transactions originating from certain Payment Instruments. We may, at our sole discretion, reject Transactions from certain Senders, for certain Beneficiaries or, to certain Recipients or Service Companies including, without limitation, entities and individuals that appear on the list of Specially Designated Citizens, in the list of Countries. and Territories that do not Cooperate, and other related lists that the United States could emit on any occasion. the United States Department of the Treasury and other government agencies.

Others. You are not permitted to request, send or receive a Transaction (I) On behalf of another person, (II) On behalf of a company or other non-human entity, or (III) On behalf of a charitable organization without the express consent of the company. You may conduct Transactions with Payee Service Companies whom you know personally. At any time and at our discretion, we may (A) Reject any transaction or, (B) Close multiple accounts in the name of an individual, persons related to said individual or persons who share the same household with the individual.

Impossibility of changes. We generally do not allow you to change the details of your transaction once it has been submitted for us to process. We trust the information you provide us, and it is your responsibility to ensure that the details of the transaction are accurate before submitting it for processing.

Restricted activities. As a user of our websites or the Service or, during your interaction with the Service, you agree to:

Not to breach this User Agreement or any other agreement between you and the Company;

Do not open more than one account;

Do not provide false, incorrect or misleading information;

Not to refuse to cooperate in case of investigation or to provide verification of your identity or of any information that you provide to us;

You will not use an anonymity proxy server;

You will not make a cash advance from your credit card (or help others to do so);

Not share the numbers or information of Transactions with anyone other than the Service Company, its Recipient or its Beneficiary and, will advise its Sender, Recipient or Beneficiary not to share numbers or information of Transactions; Y

Not violate any other restrictions of this user agreement.

7. Transactions to Specials

Transactions to India: The Company processes most transactions to India in accordance with the Rupee Withdrawal Agreement ("RDA") of the Reserve Bank of India. You agree that using the Service to make contributions to charitable organizations is prohibited.

Transactions to Japan: You acknowledge that your XCOOP transactions are not payments that require prior notice, permission or approval under the Japan Foreign Exchange and Foreign Trade Act ("FEFTA") and that they are not payments restricted by FEFTA including, without limitation, transactions of capital, payments to sanctioned persons, to sanctioned countries (especially North Korea and Iran) or, in exchange of seized goods such as weapons and related to nuclear developments. You agree that your use of the XCOOP Service to send Transactions to Japan that do not comply with FEFTA restrictions is prohibited.

8. Collection of information

Privacy Policy. By accepting this User Agreement, you acknowledge and agree to our Privacy Policy, which is an agreement between you and the Company. You will find our privacy policy on our websites or by clicking here: Privacy Policy

Customer identification program. To help the government fight the funding of terrorist and money laundering activities, federal law requires that we collect, verify, and record information about you. We may ask you to provide us with personally identifiable and private information about you, your Recipient, or your Beneficiary. We may also legally obtain information about you from other sources without your knowledge, including non-personally identifiable information that we obtain during your visits to our websites. Please read our Privacy Policy.

Disclosure to the Government. We may release information about you and your transactions to government authorities and law enforcement agencies, as detailed in our Privacy Policy.

Verification of information. You authorize us to make the inquiries that we consider necessary, directly or through third parties, to validate the information that you provide us. This may involve requesting additional information from you, requiring you to follow certain steps to confirm ownership of your email, mobile device, or financial instruments, or verifying your information with third-party databases or through other sources. In addition, it can include verification of your Beneficiary information.

Invisible recaptcha. You acknowledge and understand that the Service has implemented Google's Recaptcha Invisible service on our websites, as a tool to help detect and prevent potentially illegal acts and violations of our policies. You further acknowledge that your use of the Service and our websites includes your use of the Recaptcha Invisible service, which is subject to Google's Privacy Policy and Terms of Use.

9. Errors and problems

Mistakes. You have the right to dispute errors in your transaction. If you think there is an error, please contact us within 180 days of making the transaction at Customer Service. You can also contact us for a written explanation of your rights.

You can cancel your shipment within 30 minutes after authorizing the Transaction, and obtain a full refund, unless the funds or the cell phone recharge have already been collected, deposited, delivered or paid to the Recipient or the Company of Services.

For questions or complaints related to the Service, please contact Customer Service.

General. Please let us know if you have a problem with the Service. At the end of this user agreement we inform you how to contact us. Residents of certain jurisdictions may also consider the following options:

Alaska. If you have complaints or concerns regarding any aspect of money transfer activities through PP2, you can contact the Alaska Department of Commerce, Community and Economic Development, Division of Banking and Securities, Money Service Businesses by calling (907) 269-4594 or by mail to the following address: 550 West Seventh Avenue, Suite 1850, Anchorage, AK 99507.

California. If you have complaints regarding any aspect of the money transfer activities conducted by PP2 at ocb.1.XCOOPapi, call the California Department of Business Oversight toll free at 1-866-275-2677, or email consumer .services @ dbo.ca.gov or a letter by mail to: 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 transfer activities in Colorado, including the sale of money orders, the transfer of funds, and other instruments for the payment of money or credit are required to be licensed. of the Colorado Division of Banking pursuant to the Money Transmitters Act, Title 12, Article 52, Colorado Revised Statutes. If you are a Colorado resident and have a PrePay2 complaint. or from the XCOOP service, please fill out the Complaint Form found on the Colorado Division of Banking website and send it along with any supporting documentation by mail or email to the Division of Banking:

Colorado Division of Banking: 1560 Broadway, Suite 975, Denver CO 80202. Email: [email protected] Website: www.dora.colorado.gov/dob

ALL consumer complaints must be in writing.

Illinois. If you have complaints or other concerns related to any aspect of the money transmission activities carried out with PrePay2., Including the XCOOP service, you can contact the Illinois Department of Financial and Professional Regulation, calling toll free 1-888-473-4858 .

Maryland. The Maryland State Commissioner of Financial Regulation will receive questions and complaints from Maryland residents regarding PrePay2. or the XCOOP service at: Commissioner of Financial Regulation, Attention Complaint Unit, 500 North Calvert Street, Suite 402, Baltimore, Maryland 21202, toll free: 1-888-784-0134.

Massachusetts (License number FT 4008). If you are a Massachusetts resident and have an unresolved complaint, you can contact the Consumer Assistance Section of the Massachusetts Division of Banking at (800) 495-2265 extension 501 (from outside Massachusetts call (617) 956 -1500 extension 501) or send your complaint in writing to Division of Banks, 1 South Station, Boston, Massachusetts 02110.

Minnesota. You may email us to voluntarily opt out of sending or receiving XCOOP Transactions ("XCOOP Disabled User"). All requests will expire one year after the request date, unless they are requested for longer periods or, until you terminate the request in writing. The Company may automatically inform the Minnesota Department of Commerce, Division of Financial Institutions, to include such person on the Minnesota "Non-Transfers List." The Financial Institutions Division may from time to time provide us with the "Non-Transfer List", and anyone on this list will automatically become an Disabled User of XCOOP. Please read Minn. Stat. 53B.27, subd. 3 for more information about the "Non-Streaming List".

New York. PrePay2. at 2211 N. First Street, San Jose, CA 95131, is licensed by the New York State Department of Financial Services to receive money for transmission and to remit this money. New York customers can direct their unresolved complaints to the regulatory authority at the Consumer Assistance Unit, NYS Department of Financial Services, One Commerce Plaza, Albany, NY 12257; 1-877-BANK-NYS (1-877-226-5697); http://www.dfs.ny.gov/consumer/fileacomplaint.htm.

Texas. If you have a complaint, first contact XCOOP Customer Service at 1-877-815-1531. If you are a Texas resident and you still have an unresolved claim related to a money transfer made by PrePay2., Including the XCOOP service, please direct your claim to the Texas Department of Banking:

In person or by US mail: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, TX 78705. Phone number: 1-877-276-5554 (toll free) Fax number: 1-512-475-1313. Email address: [email protected] Website: www.dob.texas.gov.

Cancellations and Refunds. You can cancel your transaction within 30 minutes after authorizing the transaction, and obtain a full refund, unless the funds or the cell phone recharge have already been paid to the Recipient or the Service Company. After 30 minutes, we generally do not issue refunds, unless we have not processed your transaction according to your instructions or we have not been able to disburse the transaction. To request a refund, contact Customer Service (see Section 20, below).

We will do our best not to debit your Payment Instrument after we have received your cancellation request. However, in some cases, we may have initiated an irreversible request for funds to your financial institution, prior to receiving your cancellation request. In such cases, your Payment Instrument may have been debited even though you canceled your Transaction; however, we will refund the money to you, generally within four (4) business days after we receive the funds from your financial institution.

Refunds will be credited to the same payment instrument that was used to pay for the transaction. Refunds are made in US dollars only. The amount of the refund will not be adjusted to changes in the value of US dollars or foreign currencies from the moment you sent the transaction.

Notwithstanding the foregoing, residents of certain jurisdictions should read the information below:

California. The information below is only for transactions made by senders in California.

RIGHT TO REFUND: You, the customer, have the right to be reimbursed for the money to be transferred as a result of this agreement if PP2 does not send the funds it received from you within 10 days of receipt or if it does not give instructions to grant an amount of money equal to the person you designated within 10 days of receiving the money from you, unless you have indicated so.

If your instructions about when to send or transfer the funds are not followed, and if the funds have not yet been sent or transferred, you are entitled to a refund.

If you want a refund, you must send your request to Customer Service. If you do not receive a refund, you may be entitled to a refund of your money plus a penalty of up to US $ 1,000 and attorney's fees, as required by Section 2102 of the California Financial Code.

New Hampshire. This information applies only to transactions sent by Senders in New Hampshire: Senders are entitled to a refund of the transaction value and the Transfer Commission, if their transaction was not paid according to the information provided about the Recipient, unless the transaction violates any of the rules of this User Agreement. In the event of such a refund, the transaction will also be canceled.

Washington. The following information pertains only to transactions made by Senders in the state of Washington: You, as a customer, are entitled to a refund of all money received to be transferred, within ten days of receiving a written refund request, except in the following cases:

The money has been transferred and delivered to the recipient prior to receipt of the written request for reimbursement;

Instructions have been given to deliver an equivalent amount of money to the person designated by the customer prior to receipt of the written request for reimbursement;

PrePay2. or your authorized delegate has reason to believe that a crime has occurred, is occurring or may occur as a result of transmitting the money as requested by the customer or refunding the money as requested by the customer; or

PP2 is prohibited by law from making a refund.

10. Intellectual property

You agree that the Service, including but not limited to the content of our websites, text, graphics, links, buttons, logos and images, as well as all other patents, copyrights, trademarks, trade secrets, trademarks Services, logos and names of products and services are the exclusive property of the Company (the "Intellectual Property"). You agree not to expose, use, copy or modify the "Intellectual Property" in any way. You are only authorized to view and keep a copy of the pages of our websites for your personal, non-commercial use. Furthermore, you agree that: (I) No automated device or data mining, no robot, spider, scraper or any other similar data collection or extraction method to access or use the Service; (II) You will not modify, copy, frame, scrape, rent, lend, sell, distribute or create derivative works of the Service in whole or in part, except for the information that you legally upload to the Service. (III) You will not remove or alter notices or legends of commercial or copyright, or registered trademark displayed on our websites (or in printed material on the website); (IV) You will not violate the copyrights, patents, trademarks, trade secrets or any other intellectual property rights or rights of publicity or privacy of the Company or any third party. will distribute or create derivative works of the Service neither in whole nor in part, except for the information that you legally upload to the Service. (III) Will not remove or alter notices or legends of commercial or copyright, or registered trademark displayed on our websites (or in printed material on the website); (IV) You will not violate the copyrights, patents, trademarks, trade secrets or any other intellectual property rights or rights of publicity or privacy of the Company or any third party. will distribute or create derivative works of the Service neither in whole nor in part, except for the information that you legally upload to the Service. (III) You will not remove or alter notices or legends of commercial or copyright, or registered trademark displayed on our websites (or in printed material on the website); (IV) You will not violate the copyrights, patents, trademarks, trade secrets or any other intellectual property rights or rights of publicity or privacy of the Company or any third party. or trademarks displayed on our websites (or in printed material on the website); (IV) You will not violate the copyrights, patents, trademarks, trade secrets or any other intellectual property rights or rights of publicity or privacy of the Company or any third party. or trademarks displayed on our websites (or in printed material on the website); (IV) You will not violate the copyrights, patents, trademarks, trade secrets or any other intellectual property rights or rights of publicity or privacy of the Company or any third party.

The technology and software that support the Service or, distributed in connection with the Service, are the property of PP2, its affiliates and the Service Providers (the "Software"). In accordance with the terms and conditions of this User Agreement, XCOOP hereby grants you a non-transferable, non-delegable and non-exclusive right and license to use the object code of any software on your device (s) exclusively in relation to with the Service, provided that you agree not to copy (except for the provisions expressed here), not to modify, not to create a derivative work, not to reverse engineer or compile or otherwise attempt to discover any source code, sell, to assign, sub-license or otherwise transfer any rights in this Software. The company reserves any rights that are not expressly granted here.

XCOOP and the XCOOP logo are trademarks or registered trademarks of the Company in the United States and / or other countries.

11. Exclusion of guarantees

THE SERVICE AND SOFTWARE, WHERE APPLICABLE, ARE PROVIDED "AS IS" AND WITHOUT ANY EXPRESS, IMPLIED OR LEGAL WARRANTY OR CONDITION. WE, OUR SUBSIDIARIES, EMPLOYEES, DISTRIBUTORS, SUPPLIERS AND SERVICE PROVIDERS, SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF OWNERSHIP, MERCHANTABILITY, FITNESS FOR A NON-PARTICULAR PURPOSE, AND OTHERWISE.

We do our best to ensure that transactions are processed in a timely manner, but we make no representations or warranties regarding the time required to complete the transaction, as the Service depends, in large part, on many factors beyond our control. Some jurisdictions do not allow the disclaimer of implied warranties, so the above disclaimer may not apply to you. Notwithstanding the foregoing, you may be entitled to a refund, as explicitly described in this agreement.

12. Indemnification

You agree to indemnify and hold harmless the Company, its suppliers, distributors, Service Providers, Service Companies, and their respective affiliates, officers, directors, agents, partners, employees, and advisors from any claim or demand, including fees. reasonable of the lawyers, made by third parties due to the use that you have made of the Service, your relationship with the Service, your violation of the User Agreement or of any Law, or that you have violated any rights of third parties.

13. Limitation of liability

EXCEPT FOR THE CLAIMS SET FORTH IN SECTION 2102 OF THE CALIFORNIA FINANCIAL CODE ARISING FROM TRANSACTIONS ORIGINATED IN CALIFORNIA, UNDER NO CIRCUMSTANCES SHALL THE COMPANY, ITS SUPPLIERS, SERVICE PROVIDERS, SERVICE PROVIDERS, DEALERS BE LIABLE. RESPECTIVE SUBSIDIARIES, OFFICERS, DIRECTORS, AGENTS, PARTNERS, EMPLOYEES OR ADVISORS, FOR DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES EXCEEDING THE SUM OF $ 500.00 (IN ADDITION TO THE REIMBURSEMENT OF THE TRANSACTION COMMISSION AND TRANSACTION FEE ) INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFIT, BUSINESS PRESTIGE, USE,INFORMATION OR OTHER INTANGIBLE LOSSES (EVEN IF THE COMPANY HAS BEEN NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM NEGLIGENCE ON THE PART OF THE COMPANY, ITS SUPPLIERS, DISTRIBUTORS, SERVICE PROVIDERS OR ITS SERVICE COMPANIES SUBSIDIARIES, OFFICIALS, DIRECTORS, AGENTS, PARTNERS, EMPLOYEES OR ADVISORS.

14. Conflict resolution and applicable legislation

Applicable law. This User Agreement will be governed by the laws of the State of California, and all activities carried out in connection with the Service should be treated as if they had been carried out in California. Any controversy, dispute, or claim arising out of or in connection with the Service or the User Agreement (a "claim") will be governed by, and construed in accordance with, the laws of California, except for the set of laws governing conflicts. legal and, except when otherwise provided in this User Agreement.

Disputes If a dispute arises between you and the Company, our goal will be to obtain information about and address your concerns. In the event that you are not satisfied with how we address your concerns, we will seek to provide you with a prompt, neutral, and inexpensive means to resolve the dispute. Disputes between you and the Company in connection with the Service should be brought to the attention of Customer Service (See section 20 below).

Arbitration. For any claim (excluding claims for injunctive or equitable relief) in which the total amount of the judgment sought is less than US $ 10,000.00, the party requesting relief may choose to resolve the dispute in an economical and compel a no-show arbitration. If one of the parties opts for arbitration, that party will initiate the arbitration through a registered alternative dispute resolution ("ADR") provider agreed to by the parties. The ADR provider and the parties must abide by the following provisions: (I) the arbitration will be conducted by telephone, online or exclusively on the basis of written submissions, and the specific means will be chosen by the party that initiated the arbitration;

Body for disputes. Unless the parties agree otherwise or as described in section 15 (c), you agree that any claim or dispute you may have with the Company should be resolved by a court located in San Francisco County, California. You agree to submit to the jurisdiction over you of the courts located within the county of San Francisco, California, for the purpose of litigating such claims or disputes.

Litigation filed incorrectly. All claims you bring against the Company must be resolved in accordance with section 15 of this Agreement. All claims made or filed in violation of section 15 will be considered incorrectly filed and in breach of this Agreement. If you file a claim in contravention of section 15, the Company may recover attorney's fees and costs (including in-house attorneys and paralegals) in the amount of up to $ 1,000.00 USD, provided that we have notified you. in writing that the claim was filed incorrectly and you did not immediately withdraw the claim.

15. Electronic communications

You agree that this User Agreement will be entered into electronically. Unless otherwise required by relevant legislation, the following categories of information ("Communications") will be transmitted only by electronic means and not on paper or other non-electronic means: (I) this user agreement and our privacy policy. privacy and all its amendments, modifications, or supplements; (II) the records of your transactions through the service; (III) any initial or periodic disclosure or notice related to the service including, without limitation, those required by federal or state laws; (IV) any customer service communication including, but not limited to,

You may withdraw your consent to receive all Communications electronically, but doing so will terminate your use of the Service. To withdraw your consent, you must contact us; To do this, see our contact information at the end of this user agreement.

To access and retain Communications, you must have the following: (I) an Internet browser that can use java scripts, supports 128-bit encryption, and accepts first-party cookies; (II) an email account capable of reading email from XCOOP, and (III) a device and Internet connection that support the listed requirements.

16. Miscellaneous provisions

Client updates. You must inform us immediately of any change in your electronic address (email) or telephone number by updating your profile on our websites. If we do not have the correct contact information, we may not be able to provide you with important information or notify you of changes in the status of your Transaction.

Licenses. Many states in the United States require the Company to have licenses to process transactions for their consumers. To see our licenses, click here.

The agreement in its entirety. The User Agreement constitutes the entire agreement between you and the Company in relation to the Service and governs your use of the Service and supersedes any prior agreements between you and the Company or any other party in relation to the Service.

There is no exemption. In the event that the Company does not exercise or does not enforce a right or provision of the User Agreement, this will not constitute a waiver of such right or provision and does not guarantee that the Company will repeat such actions in the future. If an arbitrator or competent court considers that a provision of the user agreement is invalid, the parties nevertheless agree that the arbitrator or court must endeavor to enforce the intention of the user agreement, in accordance with the provision, and that the other provisions of the user agreement will remain in effect.

Modifications. We may modify this User Agreement from time to time without prior notice, except as required by law. You can review the most recent version of the user agreement at any time on our websites. You can terminate the use of the Service if you do not agree to any modification or amendment. If you make use of the Service at a later date after an amendment or modification takes effect, you will be deemed to have accepted such amendment or modification. You agree not to modify this user agreement and acknowledge that any attempt to modify it will be considered void.

Idiom. In the event of any inconsistency between the English and Spanish or other language versions of the texts on our websites, including the User Agreement, the English text will be binding.

Special note for international use; export contclasss. The software available in connection with the service and the transmission of relevant data, if any, are subject to the United States of America regulations. No software may be downloaded from the service or in any way exported or re-exported, because it violates US export laws. Downloading and use of the software are at your own risk. In recognition of the global nature of the Internet, you agree to be bound by all local laws and regulations governing your use of the service, including those related to online conduct and acceptable content.

Exclusive Apple Software Applications.

The Company offers software applications designed to run on commercial products of Apple, Inc. ("Apple"), among other platforms. In connection with the software that we make available to you for use with Apple-branded products (such software, "Apple Exclusive Software"), in addition to the other terms and conditions defined in this User Agreement, you are subject to the following terms and conditions. terms:

The Company and you acknowledge that this User Agreement is accepted between the Company and you only and not with Apple and that, between the Company and Apple, the Company and not Apple, are solely responsible for the Apple Exclusive Software and its content. .

You may not use Apple Exclusive Software in any way that violates or is inconsistent with the usage rules defined for Apple Exclusive Software or that conflicts with the App Store Terms of Service.

Your license to use the Apple Exclusive Software is limited to a non-transferable license to use this Apple Exclusive Software on an iOS product owned or controlled by you, as permitted by the Rules of Use defined in the Terms of Service of the App Store.

Apple is under no obligation to provide any maintenance or support services related to Apple Exclusive Software.

Apple is not responsible for any product warranties, express or implied by law. In the event that the Apple-exclusive software fails in connection with any applicable warranty, you may notify Apple and Apple will refund the purchase price of the Apple-exclusive software if applicable; and to the fullest extent of applicable law, Apple will have no other warranty obligation with respect to Apple's exclusive software, or for any other claim, loss, liability, damage, cost or expense attributable to any failure to perform warranty, which will be the exclusive responsibility of the Company, to the extent that cannot be waived under the applicable laws.

The Company and you acknowledge that the Company, and not Apple, is responsible for handling any claim by you or a third party regarding Apple's proprietary software or your possession and / or use of such Apple's proprietary software, including but not limited to : (I) product liability claims; (II) any claim that Apple's proprietary software fails to meet any applicable legal or regulatory requirement; and (III) claims that arise under consumer protection or similar laws.

In the event of any claim by a third party that proprietary Apple software or the end user's possession and use of such proprietary Apple software violates the third party's intellectual property rights, such as between the Company and Apple, it shall be the Company and not Apple, solely responsible for the investigation, defense, settlement and disclaimer in any claim of infringement of intellectual property rights.

You represent and warrant that (I) you are not in a country subject to embargo by the United States government, or that has been designated by the United States government as a country that "supports terrorism"; and (II) that you are not on any United States government list of prohibited or restricted persons.

If you have questions, complaints, or claims related to Apple's unique software, please contact us using the contact information below.

The Company and you acknowledge and agree that Apple and Apple branches are external beneficiaries of this User Agreement in relation to Apple's proprietary software and that when you agree to the terms and conditions of this User Agreement, Apple acquires the right (and you are deemed to accept the right) to enforce this User Agreement against you in connection with Apple's proprietary software as a third-party beneficiary.

17. Security

The security and integrity of your account are top priority, which is why we strive to ensure that your information is secure. The Service is a safe and convenient way to send money to family members, recharge their cell phones, or pay bills for them and other people you trust. However, as scams and scams abound, we strongly recommend that you do not send money to, or top up for, or pay bills for, anyone you do not know personally. In particular, you should be cautious about offers or deals that seem too good to be true. If you think you have been or could be the victim of fraud, please contact us immediately at Customer Service. If you come to know of someone or any entity that is using the Service in an inappropriate way, please send an email to Customer Service. If you receive phishing emails claiming to be from the XCOOP Service, please forward it to Customer Service.

18. Communications between you and us

If you provide us with your cell phone number, you agree that we may contact you at that number using autodialed or pre-recorded calls, or text messages to: (I) service your account with XCOOP, (II) investigate or prevent fraud or, (III) collect a debt. We will not use autodialed or pre-recorded calls or text messages to contact you for marketing purposes, unless we first receive your express written consent. We may share your cell phone number with service providers with whom we have contact to support us in the activities listed above, but we will not share your cell phone number with third parties for their own purposes, without your consent. You do not have to agree to receive autodialed or pre-recorded calls or text messages on your cell phone in order to enjoy XCOOP service. You can reject the receipt of autodialed or pre-recorded calls or text messages on your cell phone, by contacting us as we will inform you below. Costs may be incurred for normal phone minutes and text messages.

19. Contact information

Questions, notifications and requests for reimbursement or additional information can, you can contact us at: Customer Service or by Email.