TERMS AND CONDITIONS

1. INTRODUCTION AND AGREEMENT

These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“User,” “Sender,” “you,” or “your”) and EZRemit LLC (“EZRemit,” “Company,” “we,” “us,” or “our”).

EZRemit LLC is a licensed Money Services Business (“MSB”) providing international remittance services through its website and mobile applications (collectively, the “Services”).

By creating an account, accessing, or using the Services, you:

• Acknowledge that you have read and understood these Terms;
• Agree to be legally bound by them;
• Represent that you meet all eligibility requirements.

IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST IMMEDIATELY CEASE USING THE SERVICES.

2. REGULATORY STATUS AND COMPLIANCE OBLIGATIONS

EZRemit LLC is:

• Registered with FinCEN as a Money Services Business.
• Licensed as required under applicable state money transmission laws.
• Subject to the Bank Secrecy Act (BSA), USA PATRIOT Act, OFAC regulations, and related federal and state laws.

You acknowledge and agree that:

• All transactions are subject to anti-money laundering (AML), counter-terrorist financing (CTF), fraud prevention, and sanctions screening.
• EZRemit may delay, block, freeze, reverse, or refuse any transaction at its sole discretion if required for regulatory compliance, risk management, or legal reasons.
• EZRemit LLC may report suspicious activity to regulatory or law enforcement authorities without notice to you.
• No user has a right to complete a transaction that violates law, regulation, sanctions, internal controls, or risk thresholds

3. ELIGIBILITY

To use the Services, you must:

• Be at least 18 years old.
• Be a resident of the United States.
• Have legal capacity to enter into binding contracts.
• Not be listed on any U.S. sanctions or watchlist.
• Not reside in or transact with prohibited jurisdictions.

You may maintain only one active account. Multiple accounts may result in suspension or termination.

4. ACCOUNT REGISTRATION & IDENTITY VERIFICATION

To open and maintain an account, you must provide accurate and complete information, including but not limited to:

• Full legal name.
• Residential address.
• Date of birth.
• Social Security Number. (where required)
• Government issued identification.
• Contact details.

You represent and warrant that all information provided is accurate and truthful.

EZRemit reserves the right to:

• Conduct identity verification through third-party providers.
• Request additional documentation at any time.
• Reject or terminate accounts that cannot be verified.
• Suspend accounts pending enhanced due diligence (EDD).

Failure to cooperate in identity verification will result in account restriction or termination.

5. PROHIBITED USE

You may not use the Services for:

• Money laundering.
• Terrorist financing.
• Fraud or scams.
• Structuring transactions to avoid reporting thresholds.
• Transactions involving sanctioned individuals or countries.
• Sending funds on behalf of third parties without authorization.
• Any unlawful purpose.

EZRemit LLC may immediately suspend, freeze, or terminate your account if suspected prohibited activity is detected.

You are liable for all reversals, chargebacks, penalties, regulatory fines, and losses arising from your breach of these Terms.

6. TRANSACTION MONITORING AND HOLDS

All transactions are subject to automated and manual review.

EZRemit may:

• Delay transactions pending compliance review.
• Place temporary or extended holds on funds.
• Reverse transactions where legally permitted.
• Cancel transactions where required by law.
• Require additional documentation before release of funds.

Funds may be held for up to 180 days if reasonably necessary to mitigate risk, fraud exposure, chargeback risk, regulatory inquiry, or legal claims.

No interest shall accrue on held funds unless required by law.

7. INTERNATIONAL REMITTANCES

A “Transaction” means your instruction to transmit funds to a designated beneficiary.

You are solely responsible for:

• Providing accurate recipient details.
• Confirming beneficiary eligibility.
• Ensuring recipient identity information is correct.

EZRemit LLC is not liable for losses resulting from:

• Incorrect account numbers.
• Incorrect beneficiary names.
• Refusal of beneficiary to collect funds.
• Regulatory blocking.
• Government intervention.

Once funds are paid out or deposited, transactions are final and irrevocable.

8. FEES AND EXCHANGE RATES

All fees are disclosed prior to transaction confirmation.

Exchange rates:

• Are determined by EZRemit.
• May include a spread above wholesale market rates.
• May change without prior notice.

You authorize EZRemit LLC to debit your selected payment method for:

• Transaction Amount.
• Transfer Fees.
• Applicable currency conversion adjustments.
• Chargebacks and reversals.

Third-party financial institutions may impose additional charges, for which EZRemit LLC is not responsible.

9. CANCELLATIONS AND REFUNDS

You may cancel a transaction within 30 minutes of payment, provided funds have not been paid out or deposited.

Refunds:

• Will be issued in USD.
• May be delayed pending compliance review.
• May be denied where funds have already been disbursed.

Refund rights are subject to applicable federal and state law.

10. ACCOUNT SECURITY

You are solely responsible for safeguarding:

• Login credentials.
• Two-factor authentication codes.
• Device access.

EZRemit will never request your password.

You must immediately notify us of unauthorized activity.

EZRemit LLC is not liable for losses resulting from compromised credentials unless required by law.

11. GOVERNMENT REPORTING AND DISCLOSURES

EZRemit LLC may disclose information about you or your transactions:

• To law enforcement.
• To regulators.
• In response to subpoenas.
• As required under AML, BSA, OFAC, or other regulatory frameworks.

You waive any claim against EZRemit for good faith regulatory reporting.

12. LIMITATION OF LIABILITY

To the maximum extent permitted by law:

• EZRemit LLC’s total aggregate liability shall not exceed the total fees paid by you for the specific transaction giving rise to the claim.

EZRemit shall not be liable for:

• Indirect damages.
• Consequential damages.
• Lost profits.
• Reputation harm.
• Currency fluctuation losses.
• Government seizure.
• Sanctions blocking.
• Payment network failures.
• Force majeure events.

Nothing herein limits liability for gross negligence, fraud, or statutory non-waivable rights.

Claims must be brought within one (1) year of the event giving rise to the claim.

13. INDEMNIFICATION

You agree to indemnify and hold harmless EZRemit, its officers, directors, employees, affiliates, banking partners, and agents from:

• Claims arising from your breach.
• Regulatory fines triggered by your conduct.
• Fraud losses caused by your actions.
• Third-party disputes arising from your transactions.

This obligation survives termination.

14. DISPUTE RESOLUTION & ARBITRATION

These Terms are governed by the laws of the State of New York.

Any dispute not resolved within 60 days shall be resolved by binding individual arbitration under the Federal Arbitration Act.

You waive participation in:

• Class actions.
• Collective proceedings.
• Representative actions.

Arbitration shall be individual only.

Small claims court exceptions apply where permitted by law.

15. ACCOUNT SUSPENSION AND TERMINATION

EZRemit LLC may suspend or terminate your account at its sole discretion for:

• Risk management.
• Regulatory concerns.
• Fraud detection.
• AML review.
• Legal process.

Termination does not relieve you of outstanding obligations.

16. PRIVACY

Your personal information is handled in accordance with EZRemit LLC’s Privacy Policy and applicable data protection laws.

By using the Services, you consent to:

• Identity verification.
• Sanctions screening.
• Transaction monitoring.
• Regulatory reporting.
• Data sharing with banking partners and compliance providers.

17. FORCE MAJEURE

EZRemit LLC shall not be liable for delays or failure resulting from:

• Government actions.
• Regulatory directives.
• War.
• Sanctions.
• Cyberattacks.
• Infrastructure failure.
• Natural disasters.

18. SEVERABILITY

If any provision is deemed invalid, remaining provisions remain enforceable.

19. ENTIRE AGREEMENT

These Terms constitute the entire agreement between you and EZRemit LLC.

No waiver shall be deemed continuing unless expressly stated in writing.