Consumer fraud alert:
Do not send money to strangers over the internet. Never share your username and password with anyone. Immediately notify the Boxypay ("Boxypay") team in the event your account gets compromised, username or password gets stolen, or if someone used your account without your permission. BoxyPay money transfer service is provided by Boxypay. Boxypay will periodically update its terms and conditions to reflect policy and legal changes without any prior notice to you. Unless otherwise specified, those changes will immediately take effect and shall become part of this agreement and be binding on you beginning on the day they are posted. We will make sure to inform you of any new terms and condition that may be added or amended in the future. By continuing to access or use Boxypay services, you will be deemed to have agreed to accept and be bound by any modifications to this Agreement.
1. General Provisions:
When we say "you," "Customer," "Sender" and "User" we are referring to the individual that has registered to use Boxypay's Services and is giving consent to the terms outlined in this section.When we say "us," "we," and "Company" and "Boxypay" we are referring to Boxypay and any of our subsidiaries or affiliates.When we say "Money Transfer" or "Remittance" we are referring to the transmission of funds to a designated beneficiary.When we say "Beneficiary" we are referring to the individual designated by you as the recipient of the Transaction.When we say "Network Partners" we are referring to entities such as retailers, financial institutions, paying agents, etc., appointed by or working with us, to process and pay out Transactions in the destination country identified in your payment instructions.When we say "Transaction" we are referring to a Money Transfer sent using our Services, including without limitation the specific instruction or order you submitted to send a Money Transfer to a Beneficiary through the Service and the acceptance of such Money Transfer by such Beneficiary in the receiving country.When we say "Transfer Fee" we are referring to the fee we charge in connection with a Transaction.When we say "Sending Amount" or "Transaction Amount" we are referring to the amount in US dollars that you provide to us for transmittal to the Beneficiary.When we say "Receiving Amount" we are referring to the amount paid out to the Beneficiary, excluding any fees, taxes or charges that may be levied under the laws of the recipient country or collected on the remittance transfer by a third party.When we say "Cash" we are referring to dollars in lawful currency of the United States.When we say “Payment account” we are referring to your US bank account, BoxyPay balance. The US bank account must be issued or held in your name by a U.S. depository institution.
3. Confidentiality and Privacy:
3.1 As a fully regulated institution and with a purpose of providing the Service we are bound by the legal requirements to obtain, verify and record information about our customers. Therefore we may request from you or consult any legal sources to obtain your personal data when offering the Service to you.
3.2 Your personal information will be treated and processed securely and strictly in accordance with applicable laws and regulations.
3.3 We may disclose customer information if we are required to do so by law, by court order, by any statutory, legal or regulatory requirement, by the police or any other competent authorities in connection with the prevention or detection of crime or to help combat fraud, money laundering and terrorism financing. We may also report suspicious activity to appropriate competent law enforcement or government authorities.
4. Cancellation and Refund Policy:
4.1 If you have any problems using our online and mobile services or need to dispute a transaction, please contact us via phone 678-935-1950 or via our email [email protected]
4.2 You are eligible for a full refund if you cancel a transaction within 30 minutes provided the money hasn't been deposited in the beneficiary’s account or picked up by the beneficiary.
4.3 If your request for a refund is for a transaction greater than 30 minutes, you are entitled to a full refund within ten (10) business days unless one of the below occurs:i.Boxypay or its agents have a reason to believe unlawful or criminal activities has occurred, may occur , or is occurring. At this point, we will report all undetected criminal activities to the appropriate U.S. government agencyii. Monies already transferred and deposited to recipient’s account prior to the receipt of your refund requestiii. Boxypay is otherwise prevented by law from making a refund.iv. Instructions have been given committing an equivalent amount of money to the person designated by the customer prior to receipt of a written request for a refund.You can cancel transactions on our website or mobile app. We will credit all refunds to the same payment instrument used to fund the transaction and in the same currency. No exceptions. We will not make any currency adjustment for any currency fluctuations made during the refund process. Also note that the recipient’s bank may deduct bank fees or foreign taxes. This is out of the control and jurisdiction of Boxypay.
4.4 You have a right to dispute errors in your transaction. If you think there is an error, contact us within 60 minutes and provide your name, contact information, the recipient's name, recipient’s bank account, date of transfer, as well as why you believe there has been an error. Boxypay will determine whether an error occurred and will reply to you within 90 days. If Boxypay was at fault, you will be entitled to a full refund or to have the transfer resent free of charge. If no error occurred or Boxypay was not at fault, you will receive a written notice including the information that Boxypay relied on to make that determination.Generally, because your designated recipient is paid immediately upon processing your remittance transaction, cancellation of that remittance transaction and/or a refund of a previously requested Remittance Payment will not be processed and Boxypay is under no obligation to honor such a request. If, for some unforeseen reason, your designated recipient was not paid, you can contact us and cancel for a full refund within 30 minutes of payment.Boxypay shall not be liable to you for any loss resulting from Boxypay's inability to cancel or refund a Remittance Payment.
5. Eligibility and your access rights:
4.1. By using the Service you warrant that you are at least 18 years old and that you have a legal capacity to enter into legally binding contracts.5.2 We reserve the right, at any time, to terminate or suspend your access to the Service without prior notice if (but not limited to):
- You use the Service or attempt to use it for any Prohibited Purpose;
- You attempt to transfer or charge funds from an account that does not belong to you;
- We receive conflicting claims regarding ownership of or the right to withdraw funds from a debit or credit card account;
- You have provided us with false evidence of your identity or you keep failing in providing us with true, accurate, current and complete evidence of your identity or details regarding transactions;
- You attempt to tamper, hack, modify, overload, or otherwise corrupt or circumvent the security and/or functionality of the Website and/or the Application or to infect it with any Malicious Code;
- You are in breach of these Terms and Conditions;
- We have reason to believe that any of the foregoing has occurred or is likely to occur; or
- if the dollar value of one or more of your remittance payment requests exceed any transfer limits established by Boxypay
- if Boxypay is unable to charge your Payment Account for the amount of the requested remittance payment and related fees
- if Boxypay is unable to confirm your identity or verify any registration or Beneficiary information, including the identity of the Beneficiary
- A Compliance Officer has taken a discretionary decision to do so.
6. What you need to know about our services:
6.1 Our service is limited to noncommercial person-to-person Transactions. We do not allow commercial transactions. Please do not use our service to send money to strangers.
6.2 You must also be a resident of the United States of America and reside in any of the States in which our Services are available, to use our Services as a Sender.
6.3 To help the government fight the funding of terrorism and money laundering activities, we will obtain, verify, and record certain information about you when you create a BoxyPay account.
6.4 To create an account, we will ask for your first and last name, address, mobile number and other information that will enable us to identify you. We may also ask to see your driver's license or other identifying documents.
6.5As part of accepting your order to process and payout a Money Transfer, we will also require you to provide certain information about the Beneficiary, including without limitation the following: full legal name and city.
6.6 You agree to pay Boxypay a service fee (the "Service Fee") for each transaction submitted for processing by you, plus any additional charges that may apply to the Transaction, plus the amount of money to be sent to the person receiving the funds ("Beneficiary").
6.7 The exchange rate that will be applied to your transfer and the total Receiving Amount will be also displayed for your confirmation and approval (on our website or through the applicable Mobile Application) before you fund your Transaction. The exchange rate displayed on the Website or the Mobile Application and confirmed by you is only guaranteed for a limited time. If a Transaction is funded outside this time period, the rate may change, in which case you will have to confirm a new applicable exchange rate. For each funded Transaction, the exchange rate and Receiving Amount that you confirm and approve will be maintained for that specific transaction, regardless of the specific day on which the funds are picked up or available for the Beneficiary.Pending acquisition of our multi state license, our services are only available to residents of Alabama, Georgia, New Mexico and South Carolina. By using our service, you agree that you are resident of one of these states.
6.8 Boxypay periodically offers free bonus in form of credit to make calls.Such credit must be utilized within 2 weeks of issuance.
7. Information we provide before transaction is complete:
Before your transaction is complete you will be provided with the following information:
- The payout amount the beneficiary will receive,
- The maximum total Fee that you will be charged,
- An indication of the exchange rate that we will apply to your transaction,
- The location and documentation needed from the Recipient in order to collect the money (in case of cash collection),
- An estimation of time it will take for the funds to be made available to the recipient.
8. Information provided after we process a transaction
After we process your transaction to the Recipient an email will be sent to you with the following information:
- A confirmation of the exact amount we are sending to the Recipient on your behalf in both pay in and payout currencies,
- A confirmation of the Fee that has been charged,
- An exchange rate applied to your transaction,
- A confirmation of the bank to which the money has been sent (in case of bank deposit option),
- An estimated time when the money will be available to the Recipient.
9. Fees and Charges:
9.1 You agree to pay Boxypay. a service fee (the "Service Fee") for each transaction submitted for processing by you, plus any additional charges that may apply to the Transaction, plus the amount of money to be sent to the person receiving the funds ("Beneficiary").
9.2 In the event that you submit a transaction for which Boxypay incurs NSF(Non-Sufficient Funds) charges, or other similar expenses, you agree to reimburse Boxypay for all and any such fees, charges and expenses. Each occurrence of an NSF will result in a $10.00 (USD) NSF Fee. Fees due to us can be collected when incurred, or may be deducted from the principal amount of your next or future transaction. Boxypay reserves the right to collect NSF Fees from any of the Payment Instruments (which may include one or more bank account, debit card) that you have linked to your BoxyPay account, in accordance with this Agreement.
10. Reliance by Boxypay:
You represent and warrant that all information that you enter regarding the Remittance is true and complete. When processing a Remittance, Boxypay may rely on the registration information and any other information that you provide. You acknowledge that any errors in the information, including misidentification of the Beneficiary, incorrect or inconsistent account names and numbers, or misspellings, are your responsibility and that Boxypay shall have no liability for executing a Remittance based upon the inaccurate or incomplete information you provided or entered.
11. Intellectual Property
This Site, including all text, graphics, logos and image, as well as all other Boxypay copyrights, trademarks, service marks, products and service names are the exclusive property of Boxypay and may not be used for any purpose without express written permission from Boxypay.
Boxypay has zero tolerance for any criminal, fraudulent, money laundering, and the funding of terrorist activities. We will report anyone suspected of financial crimes to the appropriate US authorities. Please restrict the use of Boxypay money transfer services to only people you know. This includes friends and families. Boxypay reserves the right to suspend your account if we discover you are sending money on behalf of someone or to an unknown beneficiary.
13. Returns due to sender mistake:
If Boxypay is unable to complete disbursement of the Remittance Payment to the Beneficiary because you provided incorrect information about the Beneficiary, such as an incorrect bank account, an incorrect or misspelled name, an incorrect or misspelled address, the wrong bank or bank account or any other misinformation, you will be liable for any costs, fees, expenses and losses that Boxypay incurs in returning the Remittance Payment to you, such as processing costs, losses arising due to exchange rate fluctuations, service charges and exchange commission.
14. Limitation of Liability:
YOU AGREE THAT Boxypay, NOR ANY OF THEIR AFFILIATES, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF Boxypay HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICE OR ANY OTHER MATTER RELATING TO THE INSTANT VERIFICATION SERVICE.
15. Error Resolution Timeframes:
In Case of Errors or Questions About Your Electronic Transfers: Contact us by sending a support message via the web or mobile application if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the error or problem appeared.
Your inquiry must include: Your name and account number; AND a description of the error or the transfer you are unsure about, and a clear explanation of why you believe there is an error or why you need more information; AND the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your inquiry in writing within ten (10) business days. We will investigate your inquiry and will correct any error promptly. We will tell you the results of our investigation within ten (10) business days [twenty (20) business days for claims on accounts open less than thirty (30) calendar days] after we hear from you; however, we may take up to forty-five (45) calendar days [ninety (90) calendar days for claims on accounts open less than thirty (30) calendar days, foreign-initiated transaction claims, and point-of-sale transaction claims] to investigate your questions. If we need additional time to investigate, we will provisionally re-credit your account within ten (10) business days [twenty (20) business days for claims on accounts open less than thirty (30) calendar days] for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your inquiry in writing, and do not receive your written inquiry within ten (10) business days, we may choose not to provisionally re-credit your account. If we find that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used.
16. Funds Transfer Limit:
Each account is subject to daily, monthly and six month rolling limits. A new account cannot exceed $200 a day. After review and approval, daily transfer limit can be increased to no more than $1999 per day. Monthly and six month rolling limit are subject to management approval. We reserve the right to periodically monitor account usage and decrease limits as we deem necessary.
17. Electronic fund transfer disclosure statement:
The following disclosures are made in accordance with the federal law regarding electronic payments, deposits, transfers of funds and other electronic transfers to and from your account(s). There may be limitations on account activity that restrict your ability to make electronic fund transfers. Any such limits are disclosed in the appropriate agreements governing your account.
A. Definitions: Electronic Fund Transfer: Any transfer of funds, other than a transaction originated by check, draft or similar paper instrument, that is initiated through an electronic device or computer to instruct us to debit or credit an account. Electronic Fund Transfers include such electronic transactions as direct deposits or withdrawals of funds, transfers initiated via telephone, website or mobile application. Preauthorized Electronic Fund Transfer: An Electronic Fund Transfer that you have authorized in advance to recur at substantially regular intervals; for example, direct deposits into or withdrawal of funds out of your account.
B. Your Liability: Authorized Transfers: You are liable for all Electronic Fund Transfers that you authorize, whether directly or indirectly. Unauthorized Transfers: Tell us at once if you believe your account or PIN or Access Information (as defined below) is lost or stolen or has been or may be subject to unauthorized Electronic Fund Transfers. Support message us immediately to keep your possible losses to a minimum. You could lose all the money in your account(s). If you tell us within two (2) business days after learning of the loss or theft of your account access device, or after learning of any other unauthorized transfers from your account involving your account access device, you can lose no more than $50 if Electronic Fund Transfers are made without your permission. For these transactions, if you DO NOT tell us within two (2) business days after learning of the loss, theft or unauthorized use, and we can establish that we could have prevented the unauthorized transfer(s) if you had told us in time, you could lose as much as $500. Also, if your periodic account statement shows unauthorized transfers and you DO NOT tell us within sixty (60) days after the statement was delivered to you, you may not get back any money you lose after the sixty (60) day period if we can prove that we could have prevented the unauthorized transfer(s) if you had told us in time. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of a suspected lost or stolen access device or of any other suspected unauthorized transfer(s), the time periods specified in this Section B may be extended for a reasonable period.
18. Periodic transaction statement:
We will send out periodic monthly statement at the end of via email.
19. Electronic Fund Transfers ("EFTs") and Account Balances:
When you open a Synapse User Account, you will link a checking or savings account to perform EFT and, if applicable, deposit funds into your Synapse User Account. Deposits into your User Account are held at Synapse's financial institution partners as detailed in Synapse TOS. DEPOSITS HELD IN A USER ACCOUNT MAY BE ELIGIBLE FOR INSURANCE BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (“FDIC”) ON A PER USER BASIS DEPENDING ON THE RULES AND LIMITATIONS SET FORTH BY THE FDIC. FOR PURPOSES OF APPLICABLE FDIC DEPOSIT INSURANCE LIMITATIONS, DEPOSITS IN ACCOUNTS AT THE FINANCIAL INSTITUTIONAL PARTNER(S) OPENED THROUGH THE FINANCIAL INSTITUTIONAL PARTNER(S) WITH SYNAPSE MAY NOT BE SEPARATELY INSURED FROM ANY OTHER ACCOUNTS YOU MAY HAVE OPENED WITH THE FINANCIAL INSTITUTIONAL PARTNER(S), DEPENDING ON THE NAMED ACCOUNT OWNERS.
All EFT transactions are performed by and deposits are held by Synapse financial institution partner. Boxypay and Synapse only transmit transaction instructions to Synapse financial institution partner. Boxypay will provide you with all transactions notifications and User Account balances in addition to providing customer support relating to your Synapse User Account ad detailed below.
20. Transactions History and Disputes:
All questions regarding EFT transactions or your Synapse User Account must be directed to [email protected] or 678-935-1950 and not to Synapse or its financial institution partners. Boxypay is responsible for resolving issues and errors relating to transactions and account balances. If you wish to make a financial service complaint against Boxypay, you may email [email protected].
21. Void where Prohibited:
Not all Services are available to all persons or in all States. We reserve the right to limit, at our sole discretion, the provision of any such Services to any person or in any location. Any offer of a Service in these Terms & Conditions shall be deemed void where prohibited.
You agree to indemnify Boxypay and their affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from your use of the Service, your violation of these terms, and/or your infringement of any intellectual property or other right of anyone.
23. Disclaimer of warranties:
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY REPRESENTATION OF WARRANTY. Boxypay EXPRESSLY DISCLAIM ALL WARRANTIES WHETHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
You agree that the following categories of information may be provided to you and received by you via this Site: (i) this Agreement and any amendments, modifications or supplements to it; (ii) any initial, periodic or other disclosures or notices provided in connection with the Services made available through this Site, including without limitation those required by federal or state law; (iii) any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Services; (iv) any other communication related to the Services made available through this Site or BoxypayApplicable laws and regulations require that some of the information we send to you or communications between you and us should be in writing. You agree to receive such written communications electronically. You also agree that electronic means of communication shall be effective for the purpose of the Contract between you and us.
25. Elder Abuse:
Together we can prevent abuse of the elderly. Recognize the signs of Elder Abuse. What is Elder Financial Abuse? Financial abuse is the theft or embezzlement of money or any other property from the elderly. Acts such as stealing (money, social security checks, and possessions) from the elderly or other forms of coercion constitute financial abuse. If you suspect elder abuse, contact info for all states is www.ncea.aoa.gov.
26. Anti-money Laundering
Money laundering is the attempt to conceal or disguise the nature, location, source, ownership, or control of money. The federal government, using the Bank Secrecy Act and the Money Laundering Control Act, has written strict laws and regulations to help prevent money laundering activities. Boxypay has a comprehensive compliance program within its organization to ensure compliance with government rules and regulations. We do not want Boxypay services to be used in illegal money laundering activities. It is our policy that we follow both the letter and the spirit of the law and the regulations.
State of Alabama. Type: MSB
State of Florida. Type: MSB
State of Georgia. Type: MSB
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