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Terms and Conditions

Consumer fraud alert:

Do not send money to strangers over the internet. Never share your username and password with anyone. Immediately notify the Gloconnect Telecommunications Incorporated ("Gloconnect") 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 Gloconnect. Gloconnect 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 Gloconnect services, you will be deemed to have agreed to accept and be bound by any modifications to this Agreement.

1. General Provisions:

1.1 By signing up for, accessing or using the products, services, content, features, technologies or functions offered through our website (www.boxypay.com) ("Website"), iOS and Android applications ("Mobile Applications"), and our network of third-party partners (the "Network") (collectively, our "Services"), you agree to our Terms & Conditions and our Privacy Policy. Please do not use our Services if you do not agree to be bound by these terms. In that case, you must exit the Website, delete the Mobile Application from your device and not access our Services through any other platform or medium.1.2 The Terms and Conditions listed below govern the access and use of our website and mobile phone application that enable you to transfer money.1.3 In the present Terms and Conditions the terms “we”, “us”, “our” refer to Gloconnect and “you”, “your” refer to any person who accesses and/or uses the Service, whether in their capacity as Senders, Recipients, or visitors to this website.1.4 The Terms and Conditions may change from time to time, but changes will only be effective from the date they are made and will not change the terms on which you previously used the Service.1.5 This service was set up for our customers to send money to friends family. You can not send transfer on behalf of a third party.1.6 It is important that you understand that access and use of our service is conditional on your acceptance of present Terms and Conditions.


2. Definitions:

When we say "you," "Customer," "Sender" and "User" we are referring to the individual that has registered to use Gloconnect's Services and is giving consent to the terms outlined in this section.When we say "us," "we," and "Company" and "Gloconnect" we are referring to Gloconnect 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.3.4 For more details and information regarding the confidentiality, privacy and security please refer to our Privacy Policy that can be found at PRIVACY POLICY 



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.Gloconnect 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. Gloconnect 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 Gloconnect.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. Gloconnect will determine whether an error occurred and will reply to you within 90 days. If Gloconnect 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 Gloconnect was not at fault, you will receive a written notice including the information that Gloconnect 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 Gloconnect 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.Gloconnect shall not be liable to you for any loss resulting from Gloconnect's inability to cancel or refund a Remittance Payment. 



5. Eligibility and your access rights:

5.1. 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 Gloconnect
  • if Gloconnect is unable to charge your Payment Account for the amount of the requested remittance payment and related fees
  • if Gloconnect 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 Sender6.3 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.6.5 As 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 Gloconnect 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 Gloconnect 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 Gloconnect. 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 Gloconnect incurs NSF(Non-Sufficient Funds) charges, or other similar expenses, you agree to reimburse Gloconnect 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. Gloconnect 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 Gloconnect:

You represent and warrant that all information that you enter regarding the Remittance is true and complete. When processing a Remittance, Gloconnect 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 Gloconnect 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 Gloconnect copyrights, trademarks, service marks, products and service names are the exclusive property of Gloconnect and may not be used for any purpose without express written permission from Gloconnect.



12. Compliance:

Gloconnect 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 Gloconnect money transfer services to only people you know. This includes friends and families. Gloconnect 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 Gloconnect 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 Gloconnect 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 Gloconnect, 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 Gloconnect 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. 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.



16. Indemnification:

You agree to indemnify Gloconnect 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.



17. 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.



18. Disclaimer of warranties:

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY REPRESENTATION OF WARRANTY. Gloconnect 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. 



19. Communication:

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 GloconnectApplicable 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. 



20. 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.



21. 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. Gloconnect has a comprehensive compliance program within its organization to ensure compliance with government rules and regulations. We do not want Gloconnect 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.



22. Licensing


State of Alabama. Type: MSB 

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