uLink Remittance User Agreement

“We,” “us,” and “our” means Servicio UniTeller, Inc. (d/b/a “uLink”) and our successors, assignees or affiliates. Servicio UniTeller, Inc., NMLS ID 928684, is referred to in this Agreement as “the Company” or “uLink”.

“You” and “yours” means you the Customer who has registered to use the Service as provided for under the following terms and conditions of this Remittance User Agreement (the “Agreement”). These terms and conditions shall apply both to individual persons (consumers) and legal entities including corporations, limited liability companies, organizations and other business entities established pursuant to applicable law.

1. OVERVIEW OF THE SERVICE

The service (the “Service”) allows individuals or entities to send and receive money via the Company’s uLink mobile application (“uLink App”) or uLink website available at https://ulink.com (“uLink website”). A “Sender” is someone who uses the Service to send money. A “Recipient” is someone who uses the Service to receive money through the Service. The “Destination Country” is the country in which the Recipient receives money through the Service. A “Transaction” is a specific instruction to send money through the Service. The “Transaction Amount” is the amount that the Sender provides for transmittal to the Recipient, excluding applicable fees and taxes, if any, and prior to any foreign exchange conversion.

The ‘Payout Amount’ is the amount paid out to the Recipient, excluding any taxes or charges that may be levied under the laws of the Destination Country (the ‘Local Taxes’).

2. ACCESSING THE SERVICE

1. Eligible Users. You must be at least eighteen (18) years old to access or use the Service as a Sender. You must be able to form legally binding contracts under applicable law. Other restrictions may apply.
2. Not Available to Certain Residents. The Service may not be available in whole or in part in certain states, countries, or jurisdictions. The Service is only available in those U.S. jurisdictions where the Company is licensed or otherwise authorized in accordance with applicable law.
3. Offer and Acceptance. If you submit a Transaction, you are requesting that we process your Transaction, an offer which we may accept or reject at our sole discretion.

3. PAYMENT

1. Charges. For each Transaction that you submit, you agree to pay us a service fee (the “Service Fee”) plus the Transaction Amount. Additional charges, such as taxes, may apply. Payment is due at the time your transaction is submitted for processing. The Company only accepts payment in U.S. Dollars.
2. Payment. In order for us to collect payment from you, you authorize us to access or debit funds from any of the payment instruments you provide us in connection with your use of the Service (each, a “Payment Instrument” including, for example, your credit/debit card or bank account). If your payment fails or is insufficient, you authorize us to re-try one or more times using the same or a different Payment Instrument. For example, if there are insufficient funds in your bank account at the time you submit your Transaction, we may try to debit your bank account at a later time. You represent and warrant that you are the lawful owner of your Payment Instrument(s).
3. Other Charges. The Company is not responsible for any fees or charges that may be imposed by the financial institutions associated with your Payment Instruments. The Company is not responsible for any insufficient funds charges, NSF fees, chargeback fees, or other, similar charges that might be imposed on you by your bank or other provider.
4. Foreign Currencies. Based on the difference between the exchange rate at which we purchase a foreign currency and the exchange rate offered to you, the Company and its Service Providers (defined below) typically profit when you pay for a Transaction in a currency and it settles in another currency. You agree that when you make a transaction to the payee’s bank account, that account is in the same currency as the transaction.
5. Other Financial Obligations. To the extent permitted by law, the Company has the right to collect from you the Transaction Amount and Service Fee of any uncollected or reversed Transaction, plus any fees assessed and collection expenses, court costs and attorneys’ fees. To the extent permitted by law, you agree to hold the Company harmless from any losses, costs, expenses or damages it may incur in connection with collecting for any Transaction or in defending any such actions, including court costs and legal fees. You may be reported to a collection agency or credit bureau if you do not pay for any Transaction or Service Fee that you have authorized on our website in accordance with this Agreement. You authorize the Company to debit your Payment Instrument, bank account or debit card account and/or charge against your credit card account for any amounts owing to the Company as described herein.

4. DISBURSEMENT

Service Providers. We work with local destination banks, money exchange houses, and other third-party service providers (each, a “Service Provider”) to pay funds out to Recipients. You, in your capacity as a Sender, hereby appoint your Recipient as your agent for the purpose of receiving funds in connection with the Service.

5. RESTRICTIONS

1. General. We may, at any time and in our sole discretion, refuse any Transaction or limit the amount to be transferred, either on a per transaction basis or on an aggregated basis. Any such limits may be imposed on individual accounts, linked accounts, or on related accounts or households, in the Company’s sole discretion. We reserve the right at any time, and from time to time, to modify or discontinue the Service (or any part thereof) with or without notice.
2. Delays. Your Transaction may be delayed or cancelled in the course of our efforts to verify your identity, validate your Transaction instructions and Payment Instruments, contact and locate you, and otherwise comply with applicable law. Business hours and currency availability may also play a role. However, if your transaction is cancelled you will be entitled to a refund in accordance with these terms.
3. Unauthorized Transactions. You may not use the Service in violation of this User Agreement or applicable laws, rules, or regulations. It is a violation of the User Agreement to use the Service for any of the following activities (without limitation): sexually-oriented materials or services, gambling activities, fraud, money-laundering, the funding of terrorist organizations, or the purchase or sale of tobacco, firearms, prescription drugs, or other controlled substances; or to send money to a Recipient that has violated the User Agreement. If you use the Service in connection with illegal conduct, the Company reserves the right to report you to the appropriate law enforcement agency or agencies.
4. Ineligibility. Not all Payment Instruments are available to all customers at all times. We may, in our sole discretion, refuse Transactions funded from certain Payment Instruments. We may, at our sole discretion, refuse Transactions from certain Senders and to certain Recipients, including without limitation, entities and individuals that are included on the Office of Foreign Assets Control Specially Designated Nationals list, Non-cooperative Countries and Territories list, and such other lists as may be issued from time to time by the U.S. Department of Treasury and other applicable government agencies.
5. Transactions on Behalf of Others. You may not submit or receive a Transaction on behalf of any other undisclosed person or business entity. If you intend to submit or receive a Transaction on behalf of any other individual or business entity, you must disclose this fact to the Company so before the Transaction is processed. You agree to provide us with complete and accurate information with respect to such individual or business entity as requested by the Company and in accordance with applicable law.
6. No Changes. We generally do not let you change the details of your Transaction once it is submitted to us for processing. It is your responsibility to make sure your Transaction details are accurate. That being said, we will always endeavor to make changes if, and when, possible.
7. Restricted Activities. In connection with your use of our website or the Service, or in the course of your actions with the Company, a user or a third party, you shall not:
8. Breach this User Agreement, or any other agreement between you and the Company;
9. Open more than one account, without our prior written permission;

III. Provide false, inaccurate, or misleading information;

1. Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us;
2. Use an anonymizing proxy;
3. Use any robot, spider, other automatic device, or manual process to monitor or copy our website without our prior written permission.

6. COLLECTION OF INFORMATION

1. Privacy Policy. By agreeing to this User Agreement, you acknowledge and consent to the Company’s Privacy Policy. The Privacy Policy can be found at https://ulink.com/privacy-policy/.
2. Customer Identification Program. To help the government fight the funding of terrorism and money laundering activities, applicable law requires that we obtain, verify, and record information about you. We may require that you provide us with nonpublic, personal, identifying information. We may also lawfully obtain information about you from other sources without your knowledge, including non-public personal identifying information that we may obtain while you visit this website. Please see our Privacy Policy.
3. Government Disclosures. We may provide information about you and your Transactions to government authorities and enforcement agencies, as described in our Privacy Policy and in accordance with applicable law.
4. Verifying information. You authorize us, directly or through third parties, to make any inquiries we consider necessary to validate the information that you provide to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your email address or financial instruments, verifying your information against third party databases, or through other sources.

7. PROBLEMS

General. Please let us know if you have any problems with the Service. You can contact us using the contact information at the bottom of this User Agreement.

ERROR RESOLUTION

WHAT TO DO IF YOU THINK THERE HAS BEEN AN ERROR OR PROBLEM WITH YOUR TRANSFER:

If you think there has been an error or problem with your remittance transfer, please:

Email us at: [email protected]

Or call us at: 1-800-456-3492

Or write to us at: Servicio UniTeller, Inc., 218 Route 17 North, 4th Floor, Rochelle Park, NJ 07662

You must contact us within 180 days of the date we promised to you that funds would be made available to the Recipient. When you do, please provide the following information:

(1) Your name, address, telephone number, and email address;

(2) The error or problem with the transfer, and why you believe it is an error or problem;

(3) The name of the person receiving the funds, and if you know it, his or her telephone number or address;

(4) The dollar amount and date of the transfer; and

(5) If available, the confirmation number of the transaction.

We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation.

WHAT TO DO IF YOU WANT TO CANCEL A REMITTANCE TRANSFER:

You have the right to cancel a remittance transfer and obtain a full refund of all funds paid to us, including any fees. In order to cancel, you must contact us at the phone number or email address above within 30 minutes of payment for the transfer, unless the funds have been picked up or deposited to the Recipient’s account.

When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the amount and location where the funds were sent. We will refund your money within three business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into the Recipient’s account.

For questions or complaints about the Company, contact: the State Regulatory Agency, phone number, and website provided here https://ulink.com/customer-complaints/ or Consumer Financial Protection Bureau 855-411-2372, 855-729-2372 (TTY/TDD), www.consumerfinance.gov.

Consumer Fraud Warning: If you are sending money based on an uncertain promise of goods or services, for the collection of a prize, or to an unknown party, you may be a victim of fraud. If you think you have been or might be a victim of fraud, please contact us immediately by telephone at 1-800-456-3492.

STATE-SPECIFIC INFORMATION:

Money transmission services are provided by Servicio UniTeller, Inc. (d/b/a uLink), NMLS ID 928684, a licensed money transmitter. Customer service: 1-800-456-3492. [email protected].

For California Residents Only: If you have complaints with respect to any aspect of the money transmission activities conducted at this location, you may contact the California Department of Financial Protection and Innovation at its toll-free telephone number, 1-866-275-2677, by email at [email protected], or by mail at the Department of Financial Protection and Innovation, Consumer Services, 651 Bannon Street, Suite 300, Sacramento, CA 95811.

The following applies only to Transactions that are submitted by Senders in California:

Right to Refund: You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Servicio UniTeller, Inc. does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money.

If you want a refund, you must mail or deliver your written request to Servicio UniTeller, Inc. at 218 Route 17 North, 4th Floor, Rochelle Park, NJ 07662. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to $1,000 and attorney’s fees pursuant to Section 2102 of the California Financial Code.

In addition to the above, you have the following rights: You are entitled to obtain a refund or request that the Company make funds available to the designated recipient, without additional cost to you or the designated recipient, if following the assertion of an error, which includes failure to make funds available on the date of availability, within 180 days of your transaction, the Company determines that an error occurred.

For Alaska Residents Only: If your issue is unresolved by Servicio UniTeller, Inc. (d/b/a “uLink”), 1-800-456-3492, please submit formal complaints with the State of Alaska, Division of Banking & Securities.

Please download the form here: https://www.commerce.alaska.gov/web/portals/3/pub/DBSGeneralComplaintFormupdated.pdf

Submit formal complaint form with supporting documents: Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807

If you are an Alaska resident with questions regarding formal complaints, please email us at [email protected] or call (907) 465-2521.

For Vermont Residents Only:

In accordance with the state of Vermont we will not disclose non-public personal financial information only with your written authorization, unless otherwise permitted by law. Written authorizations may be delivered to us by email at [email protected] or mail to Servicio UniTeller, Inc., 218 Route 17 North, 4th Floor, Rochelle Park, NJ 07662. Your consent or consent revocation must include your name, address and your signature. Any questions please contact us at 1-800-456-3492.

For Minnesota Residents Only:

FRAUD ALERT

Sending money to someone you do not know or whose identity you cannot verify may expose you to fraud. If you suspect a scam, ask the agent to stop your transfer immediately, or call Servicio UniTeller, Inc. at 1-800-456-3492 to report fraud or suspected fraud.

Questions or Complaints

For questions or complaints about Servicio UniTeller, Inc.’s money transmission services, please contact:

Servicio UniTeller, Inc.
Attention: Customer Service
218 Route 17 North, 4th Floor
Rochelle Park, NJ 07662
Telephone: 1-800-456-3492
Email: [email protected]

You may also contact the Minnesota Department of Commerce with questions or complaints about Servicio UniTeller, Inc.’s money transmission services:

Minnesota Department of Commerce
85 7th Place East, Suite 280
Saint Paul, MN 55101
Telephone: 651-539-1600 or 1-800-657-3602
Email: [email protected]
File a complaint online: https://mn.gov/commerce/consumer/file-a-complaint/

You may also submit a complaint to the Consumer Financial Protection Bureau:

Telephone: 1-855-411-2372
TTY/TDD: 1-855-729-2372
Website: https://www.consumerfinance.gov/complaint/

If you still have an unresolved complaint regarding the company’s money transmission activity, please direct your complaint to The State Banking Departments or Consumer Financial Protection Bureau 855-411-2372, 855-729-2372 (TTY/TDD) www.consumerfinance.gov.