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Terms and Conditions

SendMoney is a service of SendMoney, LLC a company affiliated with Miron Enterprises, LLC, one of the largest ethnic telecommunication providers in the world based in Atlanta, Georgia. sendmoney.com is operating in partnership with Pangea to provide you, our users the international remittance service.
By agreeing to these Terms & Conditions, you also explicitly agree to Pangea USA LLC’s Terms & Conditions. Pangea may communicate directly with SendMoney users for legal, regulatory, or compliance reasons, as listed in this Privacy Policy: https://pangeamoneytransfer.com/privacy/

General terms of use

By visiting and shopping at SendMoney you accept these Terms and Conditions.
 
SendMoney's objective is to provide the highest quality services at the best rates on the market. The use of this website is expressly conditioned on your acceptance of all terms and conditions stated herein and any other place on this website. DO NOT USE THIS WEBSITE if you do not accept all the terms and conditions stated herein and at other places (including but not limited to: Frequently Asked Questions, Privacy Policy) on this website.

It is a federal AND state offense to purchase any product or service by fraudulent means. Products and/or services purchased on this website shall not be used for any unlawful purpose. By using our website, you represent that you are at least 13 years old. Persons who are at least 13 years of age but under the age of 18 may only use our Websites with legal parental or guardian consent. Accordingly, you agree that you are at least 18 years of age or older or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, representations and warranties set forth in the Terms and Condition; otherwise, please exit the Website.

By using SendMoney's services the user accepts the rates, terms and conditions identified on this website. SendMoney may change or modify the Terms from time to time without notice other then posting amended Terms on this Website. SendMoney reserves the right to change, modify or discontinue, temporarily or permanently, the Website (or any portion thereof), including any and all content contained on the Website, at any time without notice. You agree that SendMoney shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Website.

Whenever you provide us information on our Website, you agree to: (a) provide true, accurate, current and complete information and (b) maintain and promptly update such information to keep it true, accurate, current and complete. If you provide any information that is, or we have reasonable grounds to suspect that it is, untrue, inaccurate, not current or incomplete, SendMoney may without notice suspend or terminate your access to our Website and refuse any and all current or future use of our Website (or any portion thereof). Please select a password that would not be obvious to someone trying to guess your password, and change it regularly as an added precaution. Furthermore we recommend you use a different password from the email account as an additional security measure. You are responsible for maintaining the confidentiality of the password and account, and you are fully responsible for all activities that occur under your password or account identification. You should make every effort to safeguard your account data. SendMoney is not responsible for lost or stolen account data or unauthorized use. You agree to immediately notify SendMoney of any unauthorized use of your password or account or any other breach of security.

SendMoney may without notice suspend or terminate your access to our Website and refuse any and all current or future use of our Website (or any portion thereof). Please select a password that would not be obvious to someone trying to guess your password, and change it regularly as an added precaution. Furthermore we recommend you use a different password from the email account as an additional security measure. You are responsible for maintaining the confidentiality of the password and account, and you are fully responsible for all activities that occur under your password or account identification. You should make every effort to safeguard your account data. SendMoney is not responsible for lost or stolen account data or unauthorized use. You agree to immediately notify SendMoney of any unauthorized use of your password or account or any other breach of security.

Credit/debit card fraud is a criminal offense. At SendMoney we use automated and manual systems to confirm proper credit card authorization, including having SendMoney representatives call persons who have signed up for SendMoney services. We also track every transaction. Information related to fraudulent transactions, including but not limited to IP addresses, detailed transaction records and email addresses is collected. The information will be provided to appropriate law enforcement officials consistent with applicable law when required to assist in the prosecution of any persons attempting to commit fraud on SendMoney websites.

We will not sell, share, or rent this information to a third party for marketing or any other purposes. We collect, retain, and use only the information that is necessary for you to administrate your SendMoney account. Therefore, it is required for you to provide certain information upon using portions of our websites. Such information includes your name (either your name, company, or organization's name), address, phone number, email address, and other information gathered through the applicable process. SendMoney does not store credit/debit card information. SendMoney websites communicate over Secure Socket Layer protocol to ensure protection of your personal data. SendMoney however shall not be responsible for the security of your data or for fraudulent use of credit card to make purchases on this website, nor shall SendMoney be obligated to make refunds or to provide any compensation where such fraudulent use occurs. SendMoney will actively cooperate with law enforcement authorities in prosecuting anyone who uses this website or products/services sold over this website for unlawful use. SendMoney is not responsible if the card holder's issuing bank does not authorize online transactions.

SendMoney is committed to customer satisfaction and offers 100% money back guarantee. SendMoney will refund the amount for any unused product to any customer who is dissatisfied with its services. The refund policy applies only for claims received by SendMoney within 60 days since purchase date. Any promotion or discount applied to an order for which a refund is provided will be deducted from the amount of the refund.

By calling our Customer Service you agree that the call may be recorded for quality assurance or training purposes. The recordings may also be used in the remote event of fraud investigation. However, we do not sell, share or rent any of the audio recordings made during our order verification process or during standard customer queries.

SendMoney THE SERVICE AND SOFTWARE, IF APPLICABLE, IS PROVIDED “ AS IS” AND MAKES NO WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED, WHETHER BY FACT OR BY OPERATION OF LAW, IN CONTRACT OR TORT, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY AND/OR FITNESS FOR A PARTICULAR USE OR PURPOSE OR REGARDING THIS WEBSITE, THE ACCURACY OR COMPLETENESS OF ANY INFORMATION PRESENTED IN THIS WEBSITE, OR ANY PRODUCT OR SERVICE SOLD OR PURCHASED THROUGH THIS WEBSITE.

SendMoney may discontinue, change, or suspend any aspect of the website at any time. SendMoney may change, discontinue or suspend the availability of any database, content, feature, or product of the website. SendMoney may impose limits on features, including services, use or restrict your access to parts or to the entire website without notice or liability.

In no event shall SendMoney, its employees, officers, representatives, service providers, suppliers, licensors, and agents be liable for any direct, special, indirect, incidental, exemplary, punitive or consequential damages, or any other damages of any kind, including but not limited to, loss of use, loss of profits, or loss of data, whether in an action in contract, tort (including but not limited to negligence), or otherwise, arising out of or in any way connected with (i) the use or inability to use the websites or the content, materials, software, information or transactions provided on or through the websites, or (ii) any claim attributable to errors, omissions, or other inaccuracies in the websites or the content, materials, software, information, products, or services on or available through the websites, (iii) the cost of procurement of substitute goods and services resulting from any products, data, information or services purchased or obtained or messages received or transactions entered into through or from our website; (iv) unauthorized access to or alteration of your transmissions or data; (v) statements or conduct of any third party on our website; (vi) the delay or failure in performance resulting from an act of force majeure, including without limitation, acts of god, natural disasters, communications failure, governmental actions, wars, strikes, labor disputes, riots, shortages of labor or materials, vandalism, terrorism, non-performance of third parties or any reasons beyond their reasonable control; or (vii) any other matter relating to our website, even if SendMoney or its authorized representatives have been advised of the possibility of such damages. Your sole remedy for dissatisfaction with the website and/or website-related services is to stop using the website and/or those services. Dispute arising from purchase on this website or relating to this agreement, if not settled by the parties in good faith, may at their discretion, be submitted for arbitration to American Arbitration Association (AAA) at their offices in Georgia. All disputes, including interpretation of Arbitration Award shall be subject to laws of State of Georgia, and jurisdiction shall reside with Federal and State Court in Georgia. Prevailing party in the dispute shall be entitled to, in addition to any damages or relief, to reasonable expenses and attorney fees from the other party.

In the event that you breach this agreement and file a chargeback, upon a resolution in our favor of the chargeback by either the credit card issuing bank, the credit/debit card processor or by VISA or MASTERCARD, you agree to reimburse us for any costs incurred in researching and responding to such chargeback, including without limitation, our actual costs paid to the credit/debit card processor or our banks and the reasonable value of the time of our employees spent on the matter, as determined in our discretion in good faith.

In the event that a chargeback is placed or threatened on a purchase, we also reserve the right to report the incident for inclusion in chargeback abuser database(s). We use various credit reporting agencies and will send a default notice to them upon receiving a fraudulent order and/or chargeback. This in turn will seriously affect your credit rating. We are under no obligation to mark the debt as paid, even after we receive further payment to rectify the situation.

These Terms and Conditions may be available in multiple languages; in the case of a conflict between any other language version and the English language version of these Terms and Conditions, the English language version shall always control.

Termination of service - Unacceptable use of service

When using SendMoney, you also agree to comply with our usage policy. Therefore, here are some specific things that we don’t want you to use SendMoney for, including, but not limited to:

  • Illegal, abusive, threatening or fraudulent purposes;
  • Using the service for actions which may be interpreted as harassing, defamatory, slanderous, deceptive, indecent, pornographic, libelous, invasive of another's privacy, or racially, ethnically or otherwise offensive, hateful or abusive, death threats, terrorist threats and any other uses related to terrorism;
  • Sending mass unsolicited messages, or other types of abusive, unsolicited, or other mass automated communications, including, but not limited to: viruses, worms, Trojan horses, rootkits, password crackers, adware, or any other computer programs that may damage, interfere with, secretly intercept or seize any system, program, data, or personal information;
  • Attempting or helping other people in any of the activities mentioned above.

We reserve the right to update the list of things we don’t want you to use SendMoney for, to add new types of use we consider unacceptable. We also reserve the right to act immediately and without notice to restrict, suspend, or terminate your use of the service in case you have disregarded the rules above. But the list of permitted uses is so broad and generous, that you don’t need to worry. In fact, the unacceptable uses usually conflict with applicable law, so we are also trying to protect you against legal problems.

WE RESERVE THE RIGHT TO ISSUE A WARNING OR TO SUSPEND OR EVEN TERMINATE YOUR SERVICE AND ACCESS TO OUR WEBSITE OR APP IF WE DETERMINE YOU HAVE VIOLATED ANY OF THE TERMS OF SERVICE LISTED ON THIS PAGE, ANY OF THE RULES OR POLICIES IMPLIED BY THE USE OF OUR SITE, OR FOR ANY OTHER REASON.

Send Money Agreement — Subject to change at any time in the sole discretion of service provider

Purchases will appear on your credit/debit card statement as “Pangea Money Transfer”. You agree not to file a credit card or debit card chargeback with regards to any purchase made on the website but instead try to resolve the issue with the service provider - Pangea Money Transfer.

The Send Money Service is intended to allow Senders to send money remittances, mobile reloads, or bill payments around the world. We recommend that Senders use the Service only to send money, pay bills, or mobile reloads to and for people they know personally, such as family and friends. Customers should never use the Service to send requests or money to strangers.

SendMoney does not process money transfers, but facilitates the access for its customers to other sending money platforms and processors. Money transmission services are provided exclusively by Pangea USA, LLC, a licensed and registered money transmitter under applicable state and federal laws.

SendMoney makes reasonable efforts to ensure that the transactions are processed in a timely manner, but SendMoney makes no representations or warranties regarding the time needed to complete the transaction.

SendMoney is also not responsible for any loss or damage of any kind that occurs as a result of the use of a money transfer processor. We take all precautionary measures to keep your data safe and we request the same security measures from our partners too.

When using SendMoney you agree that you use the service at your own sole risk and that SendMoney is not responsible and can not be held liable for any system errors, money transfers delays, inaccuracies, errors, omissions, not favorable exchange money values, canceled or voided transactions or anything related to the sending or receiving money process.

  • The service is available only for person to person transfers, for residential usage only. Any unauthorized commercial use of the service is expressly prohibited. The same applies to transfer to businesses.
  • The delivery options depend on the country selected and are listed on the checkout page, before completing the money transfer.
  • For the moment, all payments processed through this website can be done only with a debit card.
  • In order to use the Send Money service and access any funds made available through this service, you need to be 18 years or older and have the power to enter a binding agreement with us, and reside in one of the states where the service is available.
  • The list of termination countries where you can send a money transfer is subject to change at any time, as listed on this website. The service is currently available from a selected list of US states which can change at anytime, without any prior notice.
  • A refund requested for a certain Transaction cancelled by the Sender within 30 minutes of payment will be processed within three business days. A refund requested for a Transaction cancelled anytime after 30 minutes of payment will be processed within ninety (90) calendar days.
Transfer Fee (in addition to any other applicable fees that we may charge directly or on behalf of any Network Partner, US federal or State governmental authority) will be displayed (on the website or through our mobile application) prior to your payment for the transaction. In consideration of your use of the Service, you agree to pay a service charge or Transfer Fee per Transaction. This Transfer Fee shall be paid in addition to the Sending Amount and is due at the time when you fund your Transaction.

Exchange Rate
For any money transfer transaction (other than US dollars), a retail exchange rate may be applied in addition to the Transfer Fee. 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 the website or through the applicable mobile application) before your payment for Transaction. The exchange rate displayed is only guaranteed for a limited time. If you make a transaction outside this time period, the rate may change, in which case you will have to confirm a new applicable exchange rate prior to providing payment for the transaction. For each transaction, the exchange rate and Receiving Amount that you confirm will be maintained for that specific Transaction only, regardless of the specific day on which the funds are picked up or are made available for the Receiver.

When using the Send Money service made available through this website, you agree to the following amount restrictions for both you as a Sender, and your family or friends acting as the Receiver:
  • minimum amount of $20.00 USD per Transaction;
  • maximum amount of $999.00 USD per Transaction;
  • maximum amount of $999.00 USD per day; and
  • maximum amount of $2,000.00 USD per week; and
  • maximum amount of $2,000.00 USD for all Transactions during any rolling thirty (30) calendar day period (note that this aggregate limit applies independently to each of the Sender and the Receiver).

You are responsible for our reasonable costs and losses if we make a Money Transfer and we are unable to collect payment for the Money Transfer from your Debit Card or Bank Account, or that payment is later reversed by your card provider. If you submit a Transaction that results in us being charged non-sufficient fund fees, chargeback fees, or other similar fees, you agree to reimburse us for all such fees. However, you will not be responsible if the payment was not authorized by you, unless: (a) for a Transaction funded with a Bank Account, you subsequently removed funds from you account, (b) we can show that you have acted fraudulently; or (c) you did not tell us, before the payment was made, that your Pangea account security details had been or might have been misused, and we can prove that you have been negligent in not keeping those details safe (if you have failed to keep them safe, but without being negligent, you will only be responsible for the first USD $100 of our costs and losses).

Mobile Recharge Service Agreement —Subject to change at any time in the sole discretion of service provider

  • We are responsible for collecting all payments for orders you have placed on this website. Payment is authorized at the time the order is placed by you, and the payment will be taken from the bank account registered in your account. The rates for mobile recharges are submitted to change without any prior notice.
  • A processing fee of minimum $1 will apply to each transaction. We reserve the right to change our rates, fees or payment options at any time without notifying you in advance.
  • This product is purely designed for residential usage. We will terminate the service agreement if otherwise suspected. This Agreement does not have a minimum or finite duration and will continue to be binding on the parties until it is terminated. We may terminate the Agreement at any time. We reserve the right to process or cancel any transactions in progress on termination of this Agreement or on suspension or withdrawal of the Service.
  • SendMoney is not responsible and will not offer any refunds for any loss you may incur in case of mistyping the recipient's phone number, choosing the incorrect operator or entering incorrect information.
  • It may take up to 24 hours for the mobile operator to update the credit to the prepaid number you selected. Some countries apply local taxes beyond our control. If the country you send mobile credit to is one of them, the specific value that sums up the local taxes will be deducted from your order value, as displayed on the online ordering form on the website. Local taxes are beyond the control of this service. They are assessed and levied by a local entity or authority such as a state, county, municipality, or a local operator in this case. These local taxes can include only the VAT, or the VAT and other fees established by the municipality, the carrier providing the local mobile service, or a national law. The processing fee is what adds to the order value to cover for international transaction costs. The service processing fee will be displayed in the checkout, which is the last step in the purchase process.
  • Some operators may apply VAT and taxes that will be deducted from the mobile recharge amount based on the local rules of destination network. Once the recharge is accepted by the operator whose contact information is available on the invoice, the operator becomes responsible for completing the recharge.
  • Purchases will appear on your credit/debit card statement as “ MobileRecharge”. You agree not to file a credit card or debit card chargeback with regards to any purchase made on the website but instead try to resolve the issue with the service provider - MobileRecharge.

Service Accessibility

Accessibility Records
SendMoney keeps records of any interaction established between the company and any impaired individual who contacted the company’s customer support team through any of the following methods: chat, email, phone, or postal mail. Records are registered and saved for an undefined period of time; they are confidential and will be used only to determine statistics, general trends, or recurrent requests of the customers. Records can also be used to analyze, improve & develop features or options to further meet Customers needs in regards to service accessibility and usability.

Accessibility features
As a website owner, SendMoney is responsible to adjust its features and services so that its website content is compatible with the majority of the browsers available on the market. Moreover, SendMoney.com can be used with any of the rendering devices used by visually impaired individuals. The content is not encrypted and can be accessed by audio rendering programs.

Any visually impaired individual can use his/her regular phone or special device to make use of our Service & applications, to the extent to which he/she is able to use his/her device and dial regular numbers such as: access numbers, PIN numbers, or numbers saved in their phone’s Contacts list.

We’re committed to offering accessibility support to our Customers with vision, hearing, mobility, and speech limitations. Therefore, any question regarding the use or accessibility of our Services can be solved over the phone or email. Our Customer support team is prepared and able to accept calls that use audio rendering devices or any other special devices used by people with disabilities. Still, the Services offered by SendMoney can be purchased solely online through the paying platforms available on SendMoney.com.

More Resources
Mobile Speak and Mobile Magnifier are useful innovative applications designed for people with low vision. Both applications, such as many others available on the market can be used when accessing our website from a smartphone.

Contact

Contacting the Website
If you have any questions about this website, you may contact us at:

Address

SendMoney

4780 Ashford Dunwoody Rd, Suite A 236
Atlanta, GA, 30338
United States

Email

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