Welcome to United Pay Remit

Terms & Conditions

Article 1 (Scope of Application)

1.1 These Terms of Use (“Terms”) govern the money transfer services (“Services”) provided by United Pay Remit (“Company,” “we,” or “us”). By using the Services, you (“Member” or “User”) agree to comply with these Terms.

1.2 Key Disclosures:

  • United Pay Remit is a licensed money transmitter, registered under applicable state and federal laws.
  • Our Services do not constitute banking services, and we do not accept deposits, offer savings accounts, or provide FDIC insurance.
  • Funds transmitted through our Services are not protected by deposit insurance (e.g., FDIC, NCUA).

1.3 Unauthorized Transactions:
We are not liable for losses resulting from unauthorized transactions unless caused by our gross negligence or willful misconduct.

1.4 Funds Not for Transfer:
If we receive funds not tied to a valid transfer request, we will return them to the sender via verified methods (e.g., account refund or registered mail). No interest accrues on such funds.

Article 2 (Service Eligibility & Membership)

2.1 To use the Services, you must complete registration and be approved as a Member.
2.2 Membership is valid for one (1) year and auto-renews unless canceled. Inactive accounts (no transactions for 12 months) may be closed.
2.3 Members may cancel anytime without fees but must re-register to resume Services.

Article 3 (Registration & Identity Verification)

3.1 Members must provide accurate information and comply with U.S. anti-money laundering (AML) and Counter-Terrorism Financing (CTF) laws.
3.2 We may request additional ID verification and suspend accounts if fraud is suspected.
3.3 Members are responsible for safeguarding account credentials. We are not liable for unauthorized access due to Member negligence.

Article 4 (Fees & Exchange Rates)

4.1 Fees and exchange rates are disclosed at the time of transaction (see Schedule A).
4.2 Rates are fixed once a transfer is confirmed. Fractions of a cent are rounded down.
4.3 Fees are non-refundable for canceled/returned transfers unless due to our error.

Article 5 (Transfer Limits & Restrictions)

5.1 Maximum Transfer Amount: $10,000 per transaction (lower limits may apply based on destination country laws).
5.2 Daily Limits: Up to 5 transfers per day; only 1 transfer per recipient daily.
5.3 We reserve the right to reject transactions violating laws, sanctions, or involving high-risk jurisdictions.

Article 6 (Prohibited Activities)

6.1 Members must not:

  • Engage with sanctioned entities, criminal organizations, or fraudulent actors.
  • Use Services for illegal purposes (e.g., money laundering, tax evasion).
  • Make false declarations about transfer purposes or recipients.

6.2 Violations may result in account closure and legal action.

Article 7 (Liability & Disclaimers)

7.1 Our liability is limited to the transfer amount. We are not liable for:

  • Delays/cancellations due to third-party banks, regulatory actions, or force majeure (e.g., natural disasters).
  • Errors caused by incorrect recipient details provided by the Member.
  • Losses from unauthorized transactions not caused by our negligence.

7.2 No Warranty: Services are provided “as-is” without guarantees of uninterrupted or error-free operation.

Article 8 (Dispute Resolution & Governing Law)

8.1 Governing Law: These Terms are governed by U.S. federal law and the laws of [State of Incorporation].
8.2 Jurisdiction: Disputes must be resolved in [State] courts.
8.3 Complaints: Contact Customer Service first. Unresolved issues may be escalated to:

  • Consumer Financial Protection Bureau (CFPB)
  • State Money Transmitter Regulator

Article 9 (Redemption of Customer Referral Amount)

9.1 Eligibility
  • A referrer becomes eligible for the referral reward when five (5) customers—or the number specified in the applicable promotion—they referred sign up and complete their first transaction.
  • Only new customers who have not previously signed up are eligible.
9.2 Claim Process
  • The referral reward can be claimed only by visiting the United Pay Remit office in person.
  • The referrer must present valid identification and any other documents requested by United Pay Remit.
9.3 Reward Limits
  • Rewards are limited to the terms specified in the promotion.
  • United Pay Remit reserves the right to cap the total referral reward per referrer if stated in the promotion.
9.4 Non-Transferable
  • Referral rewards are non-transferable and cannot be redeemed by anyone other than the eligible referrer.
9.5 Promotion Terms
  • The number of referrals required, reward amount, and eligibility criteria may vary depending on the promotion.
  • United Pay Remit may update or terminate promotions at its sole discretion.
9.6 Dispute Resolution
  • In the event of any dispute regarding eligibility, reward amount, or redemption, United Pay Remit’s decision shall be final and binding.
9.7 Fraud Prevention
  • Any attempt to manipulate, duplicate, or falsify referrals will result in disqualification from the promotion.

Article 10 (Amendments & Notices)

10.1 We may update these Terms with 30 days’ notice (posted on our website). Continued use constitutes acceptance.
10.2 Notices will be sent to the Member’s registered email/address.