BCRemit | Terms and Conditions

I. General provisions

These Terms and Conditions govern the terms under which you may access and use our website ("the Website") and mobile phone application ("the Application"), and the services associated with it (together, the "Service"), By accessing, registering with and using the Service, you agree to be bound by the terms of the Terms and Conditions.

In the present Terms and Conditions the terms "we", "us", "our" refer to BC Remittance Limited or BCRemit and you", "your" refer to any person who accesses and/or uses the Service. It is important that you understand that access and use of the Service is conditional on your acceptance of present Terms and Conditions. The language of these Terms and Conditions is English and all Services, instructions and transactions carried out in connection with it shall be in English.

II. Definitions

In this Terms and Conditions the terms below shall have the following definition(s):

C. "Force Majeure Event" means any of the circumstances referred to in clause Vll.G;

D. "FX Spread" is where you pay for a transaction in one currency and it is paid out in another currency, we apply an FX spread. The FX spread is the difference between the exchange rate we buy the currency in and the exchange rate we are able to provide to you and we communicated it in the order confirmation and it covers our costs plus a small margin.

E. "Malicious Code" means computer viruses, Trojans, software locks, drop-dead devices, malicious logic or trap door, worms, time bombs, corrupted files or other computer program routines that are intended to delete, disable, deactivate, damage, detrimentally interfere with, surreptitiously intercept or expropriate any systems, data, personal information or property of another;

H. "Recipient" means the person who receives money through a Transaction made using the Service,

I. "Reference number" means the unique transaction number, which will be issued to you as and which the recipient will be required to provide to our partners in order to receive the amount transferred,

J. "Sender" means the person who initiates the carrying out of a money transfer through the Service,

K. "Transaction" means every money transfer that you order or initiate using the Service and/or every other use that you make of the Service,

III. Eligibility and access rights

A. 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.

B. Without prejudice to your rights in relation to any order for Services in relation to which we issued a Confirmation (in accordance with clause V below), we reserve the right, at any time, to terminate or suspend your access to the Service without prior notice if:

1. You use the Service or attempt to use it for any Prohibited Purpose;

2. You attempt to transfer or charge funds from an account that does not belong to you;

3. We receive conflicting claims regarding ownership of or the right to withdraw funds from a debit or credit card account;

4. 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;

5. 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;

6. You are in breach of these Terms and Conditions;

7. We have reason to believe that any of the foregoing has occurred or is likely to occur; or

8. A Compliance Officer has taken a discretionary decision to do so.

III. Eligibility and access rights

A. By using the Service you warrant that

1. You are at least 18 years old and that you have a legal capacity to enter into legally binding contracts;

2. You have full authority to enter into this Agreement;

3. You will not be violating any laws or regulations by registering with us, entering into or by performing any part of this Agreement, or by otherwise using the Service;

4. You are not an agent acting for an undisclosed principal or third party beneficiary. In the event that you are acting for a third party, you agree to provide us with certified copies of identification evidence of such authorizations that you have received from the third party and obtain our express approval before acting on that third party’s behalf;

5. All information provided by you as part of your registration and use of the Service is accurate and complete, and you undertake to promptly notify us of any changes to such information;

6. You will ensure that your contact details provided at registration remain accurate and up to date. We will use those contact details to contact you wherever required under this Agreement or in connection with the Service. You may update your contact details at any time [in accordance with the procedures set forth below] by logging in to the Application.

B. Without prejudice to your rights in relation to any order for Transactions in relation to which we issued a Confirmation (in accordance with clause V below), we reserve the right, at any time, to terminate or suspend your access to the Service without prior notice if:

1. You use the Service or attempt to use it for any Prohibited Purpose;

2. You attempt to transfer or charge funds from an account that does not belong to you;

3. We receive conflicting claims regarding ownership of or the right to withdraw funds from a debit or credit card account;

4. 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;

5. 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;

6. You are in breach of these Terms and Conditions;

7. We have reason to believe that any of the foregoing has occurred or is likely to occur; or

8. A Compliance Officer has taken a discretionary decision to do so.

C. BCRemit employs the services of a third-party provider, Cybrid Inc ("Cybrid"), which offers a range of software tools and services to facilitate BCRemit's provision of money remittance services through its websites or mobile applications, and ensuring compliance with regulatory requirements. By utilizing BCRemit, you expressly acknowledge and agree to adhere to the Terms and Conditions governing access to the Cybrid Platform, accessible at https://www.cybrid.xyz/en/terms-of-service.

III. Eligibility and access rights

A. 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.

B. Without prejudice to your rights in relation to any order for Services in relation to which we issued a Confirmation (in accordance with clause V below), we reserve the right, at any time, to terminate or suspend your access to the Service without prior notice if:

1. You use the Service or attempt to use it for any Prohibited Purpose;

2. You attempt to transfer or charge funds from an account that does not belong to you;

3. We receive conflicting claims regarding ownership of or the right to withdraw funds from a debit or credit card account;

4. 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;

5. 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;

6. You are in breach of these Terms and Conditions;

7. We have reason to believe that any of the foregoing has occurred or is likely to occur; or

8. A Compliance Officer has taken a discretionary decision to do so.

III. Eligibility and access rights

A. 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.

B. Without prejudice to your rights in relation to any order for Services in relation to which we issued a Confirmation (in accordance with clause V below), we reserve the right, at any time, to terminate or suspend your access to the Service without prior notice if:

1. You use the Service or attempt to use it for any Prohibited Purpose;

2. You attempt to transfer or charge funds from an account that does not belong to you;

3. We receive conflicting claims regarding ownership of or the right to withdraw funds from a debit or credit card account;

4. 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;

5. 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;

6. You are in breach of these Terms and Conditions;

7. We have reason to believe that any of the foregoing has occurred or is likely to occur; or

8. A Compliance Officer has taken a discretionary decision to do so.

IV. How the contract is formed between you and us

A. After you place a money transfer order via the Website or the Application an e-mail will be sent to you acknowledging that your order has been received. Please note that this does not mean that your order is accepted.

B. A transaction order constitutes solely an offer to buy our services, which is subject to our discretionary acceptance. Such acceptance will be communicated to you Via e-mail confirming that we are processing your request (hereinafter called "the Confirmation"). The contract between you and us (hereinafter called "the Contract") will only be formed when the Confirmation has been sent.

D. We reserve the right to refuse to perform any Transaction (including after Confirmation) if:

1. We are unable to obtain satisfactory evidence of your identity;

2. You provide us with false, incorrect or incomplete information;

3. We are unable to reach you via contact details provided by you;

4. Your transfer order, information or documentation is not provided sufficiently in advance to allow us to process it in accordance to your request;

5. 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;

6. You are in breach of these Terms and Conditions;

7. You or the order you placed are in breach of any applicable laws or regulations or are made for a Prohibited Purpose;

8. Processing the Transaction in accordance with your order may expose us to liability;

9. We are unable to process your transfer due to variations in business hours, currency exchange or currency availability issues or due to any Force Majeure Event;

10. We have reason to believe that any of the foregoing has occurred or is likely to occur; or

11. A Compliance Officer has taken a discretionary decision to do so.

V. Information provided after we process a transaction

After we process your transaction to the Recipient an e-mail will be sent to you with the following information:

A. A transaction reference number,

B. A confirmation of the exact amount we are sending to the Recipient on your behalf in both pay in and pay out currencies,

C. A confirmation of the Fee that has been charged,

D. An exchange rate applied to your transaction,

E. A confirmation of the bank to which the money has been sent ( for credit to bank option)

VI. Confidentiality/privacy

A. 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.

B. Your personal information will be treated and processed securely and strictly in accordance with applicable laws and regulations.

C. We will not treat customer information as confidential where it is already public knowledge or where it becomes public knowledge through no fault of our own.

D. 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.

E. For more details and information regarding the confidentiality, privacy and security please refer to our Privacy Policy.

VI. Confidentiality/privacy

US law requires all financial institutions to assist in the fight against money laundering activities and the funding of terrorism by obtaining, verifying, and recording identifying information about all customers. We may therefore require you to supply us with personal identifying information and we may also legally consult other sources to obtain information about you. Your personal information will be treated and processed securely and strictly in accordance with applicable laws and regulations.

A. We will not treat customer information as confidential where it is already public knowledge or where it becomes public knowledge through no fault of our own.

B. 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.

C. For more details and information regarding the confidentiality, privacy and security please refer to our Privacy Policy.

VI. Confidentiality/privacy

A. 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.

B. Your personal information will be treated and processed securely and strictly in accordance with applicable laws and regulations.

C. We will not treat customer information as confidential where it is already public knowledge or where it becomes public knowledge through no fault of our own.

D. 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.

E. For more details and information regarding the confidentiality, privacy and security please refer to our Privacy Policy.

VI. Confidentiality/privacy

A. 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.

B. Your personal information will be treated and processed securely and strictly in accordance with applicable laws and regulations.

C. We will not treat customer information as confidential where it is already public knowledge or where it becomes public knowledge through no fault of our own.

D. 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.

E. For more details and information regarding the confidentiality, privacy and security please refer to our Privacy Policy.

VII. Limitations of liability

A. If a money transfer you ordered is delayed or fails, you may have a right to receive a refund less applicable fees or compensation under Money Transfer Regulations. Please contact us at [email protected] for more information regarding refunds and compensations.

B. Claims for refund or compensation must be supported by all available evidence.

C. If a money transfer in accordance with an order you made and that we Confirmed is delayed or fails and you are not entitled to a refund or compensation under the Money Transfer Regulations, we expressly limit our liability in respect of any such delayed or failed transfer (including for any claimed refund) to the greater of: (a) the amount of any service charge that was paid to us; and (b) $500. The foregoing cap on our liability applies to any single transaction, act, omission or event and to any number of related transactions, acts, and omissions or events.

D. Except as provided by section XI, we shall not be liable to you or to any third party in relation to any Transaction , whether for breach of contract, tort (including negligence), misrepresentation, unjust enrichment or any other grounds, for any indirect, incidental, consequential or special damages including any loss of profits or savings or anticipated profits or savings, loss of data, loss of opportunity, loss or reputation, goodwill or business or any economic loss, even if we are advised in advance of the possibility of such loss.

E. Nothing in this clause shall:

1. Exclude or limit liability on our part for death or personal injury resulting from our negligence,

2. Exclude liability for our fraud, our wilful misconduct or gross negligence.

F. We are not liable for the quality, safety, legality, or delivery of the goods or services that you pay for using the Service.

1. an act of God, fire, flood, earthquake, windstorm or other natural disaster, explosion or accidental damage, war, threat of or preparation for war, armed conflict, imposition of sanctions, embargo, export controls, breaking off of diplomatic relations or similar actions, terrorist attack, civil war, civil commotion or riots, pandemic or epidemic, industrial disputes, shortages of raw materials or components, general disruptions to transportation, telecommunication systems, power supply or other utilities;

2. the acts, decrees, legislation, regulations or restrictions imposed by any government or state;

3. the actions or omissions of the third parties;

4. malfunctions in communications facilities which cannot reasonably be considered to be under our control and that may affect the accuracy or timeliness of messages you send to us;

5. any losses or delays in transmission of messages arising out of the use of any internet access service provider or caused by any browser or other software which is not under our control; or

6. any Malicious Code interfering with the Service

VIII. Your responsibilities and obligations

A. You will not use the Service unless you are at least 18 years old and you have a legal capacity to enter into legally binding contracts.

B. The Fees for each Transaction service we have provided to you have to be paid.

C. You shall comply with these Terms and Conditions as well as with any applicable laws, rules and regulations.

D. In relation to your registration and use of the Service you will:

1. provide us with accurate, current, complete and true evidence of your identity and any additional information or evidence we may require to confirm your identity;

3. update all information you provide to us to keep it accurate, current, complete and true;

4. not use the Service for or in connection with any Prohibited Purpose or 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;

5. transfer money only from your own credit card, debit card or bank account. You may not submit a transfer on behalf of another person;

6. Not open more than one account with us;

7. Keep your Reference Number secure, you must not share the Reference Number or any other transaction details with anybody except the Recipient;

8. Use the Service to send money only to people that you know personally or to pay for goods and services purchased from suppliers of whom you have sufficient knowledge and whose identity you verified. You acknowledge that we have no control over the suppliers or over the goods and services for which you use our Services to make payments and we have no responsibility for the quality, safety, legality, or the delivery of such goods or services to you.

E. You understand and accept that:

1. We are legally obliged to retain information about our users and the transactions that we process for the duration of the relationship plus up to a period of 5 years or as may be required from time to time by applicable law or by any regulatory authorities;

2. All currency converted as part of a Transaction will be converted using our rate of exchange (as published on the Website and/or the Application or as may be communicated to you before we issue a Confirmation);

3. We reserve the right to increase the FX Spread when the markets are closed (weekends, bank holidays) to prevent loss stemming from currencies fluctuating and ensure payouts for our customers (we will still display the rate that we are offering on the homepage and the final rate on the checkout page before confirming the transaction);

4. Some countries may impose minimum and maximum thresholds in relation to the amounts that can be sent through our Service;

5. You will be liable to us for all losses which we suffer or incur in relation to any fraud or fraudulent activity by you;

6. You must call us or write an e-mail to us as soon as possible if you believe or suspect that a transfer of funds was not executed properly or that the amount has not been received or was only partly received;

7. It is your responsibility to inform the Recipient of the information he/she will need to provide in order to collect the money you transfer through the Service (such as photographic identification, the exact amount of the send order and the Reference Number).

IX. Fees and payment methods

IX. FX Spread Fees and payment methods

IX. Fees and payment methods

A. The prices for the Service consist of FX Spread and the Fees.

B. Our Fees vary from time to time, but changes in the Fees will not apply to any orders in respect for which we have already sent you the Confirmation.

C. If you pay by debit card it will be charged as soon as we accept your request for the transfer.

D. When you pay by debit card and your order is refused by your bank or by the card issuer, your bank account will not be debited. However, it is possible that your bank or the card issuer might hold the amount you tried to send. If this happens you will need to contact your bank or card issuer to resolve the issue.

E. Discounts on our Fees may be available through promotions that we or our partners may offer from time to time. Promotions are subject to terms and conditions and will be honored in accordance with their published terms.

X. Cancellations and refunds

A. You have the right to cancel a Transaction and obtain a refund of all funds paid to us, including any Fees. In order to cancel, you must contact us at the phone number or e-mail address above within 30 minutes of payment for the transfer.

1. Calling us at +1 (877) 740 4111 (toll free) or +1 (209) 888 0550

1. Calling us on

2. Emailing us at [email protected].

XI. What to do if you think there has been an error or a problem

A. If you think there has been an error or a problem with your remittance transfer:

1. Calling us at +1 (877) 740 4111 (toll free) or +1 (209) 888 0550

2. Write us at 3053 Ogden Lane, Stockton, California 95206, USA

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

1. Your name and address or telephone number;

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 currency amount of the transfer; and

5. The confirmation code or number of the transaction

XII. Complaints

A. We Value your feedback as it helps us improve our service. We have established internal procedures for complaints. You can make a complaint in writing to us regarding any aspect of the Service by mail or e-mail to the following addresses:

2. [email protected],

B. We will investigate your complaint and use reasonable endeavors to come back to you with the results of our investigation within 7 working days after receipt of your complaint.

1. California Residents: 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 Business Oversight at its toll-free telephone number, 1-866-275-2677, by email at [email protected], or by mail at the Department of Business Oversight, Consumer Services, 1515 K Street, Suite 200, Sacramento, CA 95814.

2. Florida Residents: If you have a complaint or concern regarding the Company’s money transmission or currency exchange activity, please direct your complaint to: Florida Office of Financial Regulation, 200 E. Gaines Street, Tallahassee, FL 32399 or by telephone at (850) 487-9687.

3. Illinois Residents: If you have complaints with respect to any aspect of the money transmission activities conducted at this location, you may contact the Illinois Division of Financial Institutions toll-free at 1 (888) 473-4858.

4. Maryland Residents: If you have a complaint regarding the company’s money transmission activity, The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents at Commissioner of Financial Regulation, Attention: Consumer Services Unit, 500 North Calvert Street, Room 402, Baltimore, Maryland, 21202, or by telephone at 888-784-0136.

5. Texas Residents: If you have a complaint, first contact the consumer assistance division of BCRemit at +1 (877) 740 4111 (toll free) or +1 (209) 888 0550, if you still have an unresolved complaint regarding the company's money transmission or currency exchange activity, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, 1-877-276-5554 (toll free), www.dob.texas.gov.

6. Hawaii Residents: If you have complaints with respect to any aspect of the money transmission activities conducted at this location, you may contact State of Hawaii Division of Financial Institutions at its toll-free telephone number, 1-808-586-2820, or go online to http://cca/hawaii.gov.fdi/.

Applicable 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. The foregoing does not affect your statutory rights.

XIII. Notices and communications

XIV. Transfer of rights and obligations

A. We shall be entitled, without your consent, to transfer our rights and obligations under these Terms and Conditions and under any Contract to any of our affiliates or to any entity or person that acquires our business. Any such transfer of rights and obligation will have effect upon notice being given to you (including notices given through the Website or the Application).

B. We are entitled to perform our obligations to you through subcontractors, agents and other third parties.

C. You may only transfer your rights and obligations under the Contract if we have agreed for this in writing.

XV. Waiver

A. If we fail, at any time during the term of the Contract, to insist upon strict performance of any of your obligations under the Contract or any clause of these Terms and Conditions, or if we fail to exercise any of the rights or remedies to which we are entitled under the Contract or by law, this will not constitute a waiver of such rights or remedies and will not relieve you from compliance with such obligations.

B. A waiver by us of any default will not constitute a waiver of any subsequent default.

C. No waiver by us of any term in these Terms and Conditions will be effective unless it is expressly stated to be a waiver and is communicated to you in writing in accordance with these Terms and Conditions.

XVI. Severability

If any court or arbitrator holds that any of the provisions of these Terms and Conditions or any provisions of the Contract are invalid, unlawful or unenforceable to any extent, the parties nevertheless agree that the arbitrator or court should endeavor to give appropriately valid effect to the intention of the Terms and Conditions as reflected in the provision, and the other provisions of the Terms and Conditions shall remain in full force and effect.

XVII. Entire agreement

A. These Terms and Conditions and any document expressly referred to in them constitute the whole agreement between us and you and supersede all previous discussions, correspondence, negotiations, previous arrangement, understanding or agreement between us and you relating to the subject matter hereof.

B. You acknowledge that, in entering into the Contract and accepting these Terms and Conditions, you do not rely on, or will have no remedies in respect of, any representation or warranty (whether made innocently or negligently) that is not expressly set out in these Terms and Conditions or the documents referred to in them.

C. Nothing in this clause limits or excludes any liability for fraud.

XVIII. Our right to vary these terms and conditions

A. We reserve the right to revise, amend or replace these Terms and Conditions from time to time, without notice to you, except as required by law. You can review the most current version of the Terms and Conditions at any time by reviewing this website.

B. If you use the Service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification.

C. You agree that you shall not modify this Terms and Conditions and acknowledge that any attempts by you to modify this Terms and Conditions shall be void.

D. Our Terms and Conditions in force at the time that you order Services from us will have effect between you and us for the purpose of that order. We may notify you of a change to the Terms and Conditions after you place an order but before we send you the Confirmation, in which case, unless you notify us within a reasonable period of time and in any event within seven days that you wish to cancel the order, the revised Terms and Conditions will apply.

XIX. English Language

A. This Agreement may be provided to you in English or any other language that we support. For the avoidance of doubt, any non-English version of the Agreement is provided for translation purposes only. In the event that any conflict arises between the English and non- English versions of the Agreement, the English version shall prevail.

XX. Law and jurisdiction

Contracts for the purchase of our services using the Website or the Application and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) will be governed by Delaware law. Any dispute or claim arising out of or in connection with such contracts or their formation (including non-contractual disputes or claims) will be subject to the exclusive jurisdiction of Delaware.

XXI. Intellectual property

A. The Website and the Application, the content, the name BCRemit and other names, logos, signs, domain names, email addresses and other indications of origin displayed on the Website or the Application relating to our products and/or services and all intellectual property relating to them and contained in them (including but not limited to copyrights, patents, database rights, design rights, trademarks,) ("IPRs") are owned by us, our affiliates or third party licensors. Other names and logos of third party product, service and companies displayed on the Website may be the trademarks of third parties. You shall not acquire any right, title or interest in any such IPRs by reason of the Services or the Contract and all right, title and interest in and to the Website and the Application shall remain our property and/or the property of such other third parties.

B. You may use the Website and the Application only for the purpose of the bona fide use of our Services as an individual consumer or business customer and only as permitted by these Terms and Conditions or described on the Website. You are authorized solely to view and to retain a copy of the pages of the Website for your own personal use. The Website and the Application and the Services may not be used for the purpose of testing the Service or to obtain information about the Service or about us. You may not duplicate, publish, modify, create derivative works from, participate in the transfer or sale of, post on the internet, or in any way distribute or exploit the Website, the Application or any portion thereof for any public or commercial use without our express written permission. You may not: (a) use any robot, spider, scraper or other automated device to access the Website or the Application or to use the Service; and/or (b) remove or alter any copyright, trade mark or other proprietary notice or legend displayed on the Website (or printed pages of the Website).

XXII. The company and how to get in touch

A. BC Remittance LLC operates a website (the Website) and a mobile phone application (the Application) that enable you to transfer money using a device connected to the Internet and/or a mobile phone.

B. BC Remittance LLC is a company incorporated under the laws of Delaware engaged in the business of funds remittance with its Head Office located 3053 Ogden Lane, Stockton, California 95206, USA.

C. We can be contacted via the following means:

1. Telephone: +1 (877) 740 4111 (toll free) or +1 (209) 888 0550

2. Post using the address: 3053 Ogden Lane, Stockton, California 95206

3. Email using the email address: [email protected],

4. Website: www.bcremit.com

D. Our way of communication

1. Our primary form of contact is email. This is the information you have provided to us during the registration. It will be used for verification, customer service response and marketing notification. The second form of contact is via text messaging(SMS) or phone call. The customer's responsibility is to check the information that came from BCRemit as we announce information through these channels. There will be emails/SMS that contain links pointing to our domain/website for easy access.

2. The email will be responded to within 24 hours upon receipt of the email unless there are pending issues that need to be addressed or they are beyond our control.

3. If the law requires us to provide information we will acknowledge it and send you a memo via email, call or text messaging(SMS).

XI. Complaints

A. We Value your feedback as it helps us improve our service. We have established internal procedures for complaints. You can make a complaint in writing to us regarding any aspect of the Service by mail or e-mail to the following addresses:

1. Suite 1500, 701 West Georgia Street, Vancouver British Columbia V7Y1C6, Canada,,

2. [email protected],

B. We will investigate your complaint and use reasonable endeavours to come back to you with the results of our investigation within 7 working days after receipt of your complaint.

XI. Complaints

A. We Value your feedback as it helps us improve our service. We have established internal procedures for complaints. You can make a complaint in writing to us regarding any aspect of the Service by mail or e-mail to the following addresses:

1. 103 Burgoyne House, Ealing Road, London TW8 0GB, United Kingdom,

2. [email protected],

B. We will investigate your complaint and use reasonable endeavours to come back to you with the results of our investigation within 7 working days after receipt of your complaint.

C. If you are still dissatisfied with the manner in which we have dealt with your complaint or the outcome of it, you have a right to refer your complaint to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR, Tel NO 0800 0234 567, Email:[email protected]

XI. Complaints

A. We Value your feedback as it helps us improve our service. We have established internal procedures for complaints. You can make a complaint in writing to us regarding any aspect of the Service by mail or e-mail to the following addresses:

1. 2/F Unit 20, T Square Bldg. No. 664 San Joaquin Street Corner Sto Rosario Street, Sto. Domingo, Angeles City

2. [email protected],

B. We will investigate your complaint and use reasonable endeavours to come back to you with the results of our investigation within 7 working days after receipt of your complaint.

C. If you are still dissatisfied with the manner in which we have dealt with your complaint or the outcome of it, you have a right to refer your complaint to the Banko Sentral ng Pilipinas, Consumer Assistance Desk, Ground Floor Multi-Storey Bldg., BSP Complex, Tel NO (02)-8708-7087, Email: [email protected]

XII. Regulations

BC Remittance LLC. is a regulated entity under the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) with registration number M22512044 and abide by the Proceeds of Crime (Money Laudering) and Terrorist Financing Act and associated Regulations (PCMLTFA and PCMLTFR). Please contact us at [email protected] for more information.

XII. Money transfer and the payment services regulations

The New Central Bank Act and BSP Circular No. 1039 (hereinafter called "the Regulations") govern the transfer of money to recipients within the Philippines, where the transfer of funds is carried out in Philippine Pesos. The Regulations regulate payment services, which have an electronic component and place payment services providers into certain categories as well as require certain payment institutions to be authorized by the Banko Sentral ng Pilipinas (BSP) and to follow conduct of business rules. Please contact us at [email protected] for more information.

XII. Money transfer and the payment services regulations

The Payment Services Regulations 2017 (hereinafter called "the Regulations") govern the transfer of money to recipients within the European Economic Area (being all members states of the European Union, together with Norway, Iceland and Liechtenstein), where the transfer of funds is carried out in Euros, Sterling or the currency of another EEA state which has not adopted the Euro as its currency. The Regulations regulate payment services, which have an electronic component and place payment services providers into certain categories as well as require certain payment institutions to be authorised by the FCA and to follow conduct of business rules. Please contact us at [email protected] for more information,

XIII. Written communications

Applicable 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. The foregoing does not affect your statutory rights.

XIII. Written communications

Applicable 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. The foregoing does not affect your statutory rights.

XIII. Written communications

Applicable 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. The foregoing does not affect your statutory rights.

XIV. Notices and communications

All notices given to us must be in the English Language and sent to BC Remittance LLC., Suite 1500, 701 West Georgia Street, Vancouver British Columbia V7Y1C6, Canada. We may give notices to you in connection with any aspect of the Service or any order either through the e-mail address or the postal address that you provided to us or in any other way permitted pursuant to these Terms and Conditions. Notices to you will be deemed received and properly served immediately after an e-mail is sent to you at the address you provided, or where a notice is sent to your postal address, one day after the date of posting in the case of domestic notices and 6 days in the case of international mail.

XIV. Notices and communications

All notices given to us must be in the English Language and sent to BC Remittance Ltd., 103 Burgoyne House, Ealing Road, London TW8 0GB, United Kingdom. We may give notices to you in connection with any aspect of the Service or any order either through the e-mail address or the postal address that you provided to us or in any other way permitted pursuant these Terms and Conditions. Notices to you will be deemed received and properly served immediately after an e-mail is sent to you at the address you provided, or where a notice is sent to your postal address, one day after the date of posting in the case of domestic notices and 6 days in the case of international mail.

XV. Transfer of rights and obligations

A. We shall be entitled, without your consent, to transfer our rights and obligations under these Terms and Conditions and under any Contract to any of our affiliates or to any entity or person that acquires our business. Any such transfer of rights and obligation will have effect upon notice being given to you (including notices given through the Website or the Application).

B. We are entitled to perform our obligations to you through subcontractors, agents and other third parties.

C. You may only transfer your rights and obligations under the Contract if we have agreed for this in writing.

XV. Transfer of rights and obligations

A. We shall be entitled, without your consent, to transfer our rights and obligations under these Terms and Conditions and under any Contract to any of our affiliates or to any entity or person that acquires our business. Any such transfer of rights and obligation will have effect upon notice being given to you (including notices given through the Website or the Application).

B. We are entitled to perform our obligations to you through subcontractors, agents and other third parties.

C. You may only transfer your rights and obligations under the Contract if we have agreed for this in writing.

XV. Transfer of rights and obligations

A. We shall be entitled, without your consent, to transfer our rights and obligations under these Terms and Conditions and under any Contract to any of our affiliates or to any entity or person that acquires our business. Any such transfer of rights and obligation will have effect upon notice being given to you (including notices given through the Website or the Application).

B. We are entitled to perform our obligations to you through subcontractors, agents and other third parties.

C. You may only transfer your rights and obligations under the Contract if we have agreed for this in writing.

XVI. Waiver

A. If we fail, at any time during the term of the Contract, to insist upon strict performance of any of your obligations under the Contract or any clause of these Terms and Conditions, or if we fail to exercise any of the rights or remedies to which we are entitled under the Contract or by law, this will not constitute a waiver of such rights or remedies and will not relieve you from compliance with such obligations.

B. A waiver by us of any default will not constitute a waiver of any subsequent default.

C. No waiver by us of any term in these Terms and Conditions will be effective unless it is expressly stated to be a waiver and is communicated to you in writing in accordance with these Terms and Conditions.

XVI. Waiver

A. If we fail, at any time during the term of the Contract, to insist upon strict performance of any of your obligations under the Contract or any clause of these Terms and Conditions, or if we fail to exercise any of the rights or remedies to which we are entitled under the Contract or by law, this will not constitute a waiver of such rights or remedies and will not relieve you from compliance with such obligations.

B. A waiver by us of any default will not constitute a waiver of any subsequent default.

C. No waiver by us of any term in these Terms and Conditions will be effective unless it is expressly stated to be a waiver and is communicated to you in writing in accordance with these Terms and Conditions.

XVI. Waiver

A. If we fail, at any time during the term of the Contract, to insist upon strict performance of any of your obligations under the Contract or any clause of these Terms and Conditions, or if we fail to exercise any of the rights or remedies to which we are entitled under the Contract or by law, this will not constitute a waiver of such rights or remedies and will not relieve you from compliance with such obligations.

B. A waiver by us of any default will not constitute a waiver of any subsequent default.

C. No waiver by us of any term in these Terms and Conditions will be effective unless it is expressly stated to be a waiver and is communicated to you in writing in accordance with these Terms and Conditions.

XVII. Severability

If any court or competent authority holds that any of the provisions of these Terms and Conditions or any provisions of the Contract are invalid, unlawful or unenforceable to any extent, that shall not affect the other terms of these Terms and Conditions or the Contract which will continue in full force and effect to the fullest extent permitted by law.

XVII. Severability

If any court or competent authority holds that any of the provisions of these Terms and Conditions or any provisions of the Contract are invalid, unlawful or unenforceable to any extent, that shall not affect the other terms of these Terms and Conditions or the Contract which will continue in full force and effect to the fullest extent permitted by law.

XVII. Severability

If any court or competent authority holds that any of the provisions of these Terms and Conditions or any provisions of the Contract are invalid, unlawful or unenforceable to any extent, that shall not affect the other terms of these Terms and Conditions or the Contract which will continue in full force and effect to the fullest extent permitted by law.

XVIII. Entire agreement

A. These Terms and Conditions and any document expressly referred to in them constitute the whole agreement between us and you and supersede all previous discussions, correspondence, negotiations, previous arrangement, understanding or agreement between us and you relating to the subject matter hereof.

B. You acknowledge that, in entering into the Contract and accepting these Terms and Conditions, you do not rely on, or will have no remedies in respect of any representation or warranty (whether made innocently or negligently) that is not expressly set out in these Terms and Conditions or the documents referred to in them.

C. Nothing in this clause limits or excludes any liability for fraud.

XVIII. Entire agreement

A. These Terms and Conditions and any document expressly referred to in them constitute the whole agreement between us and you and supersede all previous discussions, correspondence, negotiations, previous arrangement, understanding or agreement between us and you relating to the subject matter hereof.

B. You acknowledge that, in entering into the Contract and accepting these Terms and Conditions, you do not rely on, or will have no remedies in respect of any representation or warranty (whether made innocently or negligently) that is not expressly set out in these Terms and Conditions or the documents referred to in them.

C. Nothing in this clause limits or excludes any liability for fraud.

XVIII. Entire agreement

A. These Terms and Conditions and any document expressly referred to in them constitute the whole agreement between us and you and supersede all previous discussions, correspondence, negotiations, previous arrangement, understanding or agreement between us and you relating to the subject matter hereof.

B. You acknowledge that, in entering into the Contract and accepting these Terms and Conditions, you do not rely on, or will have no remedies in respect of any representation or warranty (whether made innocently or negligently) that is not expressly set out in these Terms and Conditions or the documents referred to in them.

C. Nothing in this clause limits or excludes any liability for fraud.

XIX. Our right to vary these terms and conditions

A. We reserve the right to revise, amend or replace these Terms and Conditions from time to time.

B. Our Terms and Conditions in force at the time that you order Services from us will have effect between you and us for the purpose of that order. We may notify you of a change to the Terms and Conditions after you place an order but before we send you the Confirmation, in which case, unless you notify us within a reasonable period of time and in any event within seven days that you wish to cancel the order, the revised Terms and Conditions will apply.

XIX. Our right to vary these terms and conditions

A. We reserve the right to revise, amend or replace these Terms and Conditions from time to time.

B. Our Terms and Conditions in force at the time that you order Services from us will have effect between you and us for the purpose of that order. We may notify you of a change to the Terms and Conditions after you place an order but before we send you the Confirmation, in which case, unless you notify us within a reasonable period of time and in any event within seven days that you wish to cancel the order, the revised Terms and Conditions will apply.

XIX. Our right to vary these terms and conditions

A. We reserve the right to revise, amend or replace these Terms and Conditions from time to time.

B. Our Terms and Conditions in force at the time that you order Services from us will have effect between you and us for the purpose of that order. We may notify you of a change to the Terms and Conditions after you place an order but before we send you the Confirmation, in which case, unless you notify us within a reasonable period of time and in any event within seven days that you wish to cancel the order, the revised Terms and Conditions will apply.

XX. Third party rights

A person who is not a party to this Agreement shall have no rights to enforce the provisions of this Agreement.

XX. Third party rights

A person who is not a party to this Agreement shall have no rights to enforce the provisions of this Agreement under the REPUBLIC ACT NO. 386 .

XX. Third party rights

XXI. Law and jurisdiction

Contracts for the purchase of our services using the Website or the Application and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) will be governed by British Columbia law and applicable federal laws . Any dispute or claim arising out of or in connection with such contracts or their formation (including non-contractual disputes or claims) will be subject to the non-exclusive jurisdiction of the courts of the province of British Columbia. The foregoing shall be without prejudice to your statutory rights. The foregoing applies to all customers from any province in Canada, except the province of Quebec. For customers who are residents in the province of Quebec, these Terms will be governed by Quebec law, the federal laws of Canada applicable therein, and the parties submit to the exclusive jurisdiction of the courts located in the province of Quebec.

XXI. Law and jurisdiction

Contracts for the purchase of our services using the Website or the Application and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) will be governed by English law. Any dispute or claim arising out of or in connection with such contracts or their formation (including non-contractual disputes or claims) will be subject to the non-exclusive jurisdiction of the courts of England and Wales. The foregoing shall be without prejudice to your statutory rights.

XXII. Intellectual property

A. The Website and the Application, the content, the name BCRemit and other names, logos, signs, domain names, email addresses and other indications of origin displayed on the Website or the Application relating to our products and/or services and all intellectual property relating to them and contained in them (including but not limited to copyrights, patents, database rights, design right, trade marks,) ("IPRs") are owned by us, our affiliates or third party licensors. Other names and logos of third party product, service and companies displayed on the Website may be the trademarks of third parties. You shall not acquire any right, title or interest in any such IPRs by reason of the Services or the Contract and all right, title and interest in and to the Website and the Application shall remain our property and/or the property of such other third parties.

B. You may use the Website and the Application only for the purpose of the bona fide use of our Services as an individual consumer or business customer and only as permitted by these Terms and Conditions or described on the Website. You are authorized solely to view and to retain a copy of the pages of the Website for your own personal use. The Website and the Application and the Services may not be used for the purpose of testing the Service or to obtain information about the Service or about us. You may not duplicate, publish, modify, create derivative works from, participate in the transfer or sale of, post on the internet, or in any way distribute or exploit the Website, the Application or any portion thereof for any public or commercial use without our express written permission. You may not: (a) use any robot, spider, scraper or other automated device to access the Website or the Application or to use the Service; and/or (b) remove or alter any copyright, trade mark or other proprietary notice or legend displayed on the Website (or printed pages of the Website)

XXII. Intellectual property

A. The Website and the Application, the content, the name BCRemit and other names, logos, signs, domain names, email addresses and other indications of origin displayed on the Website or the Application relating to our products and/or services and all intellectual property relating to them and contained in them (including but not limited to copyrights, patents, database rights, design right, trade marks,) ("IPRs") are owned by us, our affiliates or third party licensors. Other names and logos of third party product, service and companies displayed on the Website may be the trademarks of third parties. You shall not acquire any right, title or interest in any such IPRs by reason of the Services or the Contract and all right, title and interest in and to the Website and the Application shall remain our property and/or the property of such other third parties.

B. You may use the Website and the Application only for the purpose of the bona fide use of our Services as an individual consumer or business customer and only as permitted by these Terms and Conditions or described on the Website. You are authorized solely to view and to retain a copy of the pages of the Website for your own personal use. The Website and the Application and the Services may not be used for the purpose of testing the Service or to obtain information about the Service or about us. You may not duplicate, publish, modify, create derivative works from, participate in the transfer or sale of, post on the internet, or in any way distribute or exploit the Website, the Application or any portion thereof for any public or commercial use without our express written permission. You may not: (a) use any robot, spider, scraper or other automated device to access the Website or the Application or to use the Service; and/or (b) remove or alter any copyright, trade mark or other proprietary notice or legend displayed on the Website (or printed pages of the Website)

XXII. Intellectual property

A. The Website and the Application, the content, the name BCRemit and other names, logos, signs, domain names, email addresses and other indications of origin displayed on the Website or the Application relating to our products and/or services and all intellectual property relating to them and contained in them (including but not limited to copyrights, patents, database rights, design right, trade marks,) ("IPRs") are owned by us, our affiliates or third party licensors. Other names and logos of third party product, service and companies displayed on the Website may be the trademarks of third parties. You shall not acquire any right, title or interest in any such IPRs by reason of the Services or the Contract and all right, title and interest in and to the Website and the Application shall remain our property and/or the property of such other third parties.

B. You may use the Website and the Application only for the purpose of the bona fide use of our Services as an individual consumer or business customer and only as permitted by these Terms and Conditions or described on the Website. You are authorized solely to view and to retain a copy of the pages of the Website for your own personal use. The Website and the Application and the Services may not be used for the purpose of testing the Service or to obtain information about the Service or about us. You may not duplicate, publish, modify, create derivative works from, participate in the transfer or sale of, post on the internet, or in any way distribute or exploit the Website, the Application or any portion thereof for any public or commercial use without our express written permission. You may not: (a) use any robot, spider, scraper or other automated device to access the Website or the Application or to use the Service; and/or (b) remove or alter any copyright, trade mark or other proprietary notice or legend displayed on the Website (or printed pages of the Website)

XXIII. The company and how to get in touch

A. BC Remittance LLC. operates a website (the Website) and a mobile phone application (the Application) that enable you to transfer money using a device connected to the Internet and/or a mobile phone.

B. BC Remittance LLC. is a company incorporated and licensed under the laws of British Columbia, Canada, (Incorporation number BC1341645) engaged in the business of funds remittance with its Head Office located at Suite 1500, 701 West Georgia Street, Vancouver British Columbia V7Y1C6, Canada.

C. BCRemit is regulated by the Financial Transactions and Reports Analysis Center of Canada with registration number M22512044 as a Money Service Business (MSB).

D. We can be contacted via the following means:

1. Telephone:

2. Post using the address: 103 Burgoyne House, Ealing Road, London TW8 0GB, United Kingdom,

3. Email using the email address: [email protected],

4. Website: www.bcremit.com

XXIII. The company and how to get in touch

A. BC Remittance Ltd. operates a website (the Website) and a mobile phone application (the Application) that enable you to transfer money using a device connected to the Internet and/or a mobile phone.

B. BC Remit and Money Exchange Services, Inc. is a company incorporated and licensed under the laws of the Philippines, (SEC Registration No. CS202006782) engaged in the business of funds remittance with its Head Office located at 2/F Unit 20, T Square Bldg. No. 664 San Joaquin Street Corner Sto Rosario Street, Sto. Domingo, Angeles City.

C. BCRemit is regulated by the Banko Sentral ng Pilipinas under the BSP Circular No. 1039 with registration number 60-00834-0-00000 as a Money Service Business.

D. We can be contacted via the following means:

1. Telephone:

2. Post using the address: 2/F Unit 20, T Square Bldg. No. 664 San Joaquin Street Corner Sto Rosario Street, Sto. Domingo, Angeles City

3. Email using the email address: [email protected],

4. Website: www.bcremit.com

XXIII. The company and how to get in touch

A. BC Remittance Ltd. operates a website (the Website) and a mobile phone application (the Application) that enable you to transfer money using a device connected to the Internet and/or a mobile phone.

B. BC Remittance Ltd. is a company incorporated and licensed under the laws of the United Kingdom, (company number 9478401 ) engaged in the business of funds remittance with its Head Office located at 103 Burgoyne House, Ealing Road, London TW8 0GB, United Kingdom.

C. BCRemit is regulated by the Financial Conduct Authority under the Payment Service Regulations 2017 with registration number 929078 as Payment Institution.

D. We can be contacted via the following means:

1. Telephone:

2. Post using the address: 103 Burgoyne House, Ealing Road, London TW8 0GB, United Kingdom,

3. Email using the email address: [email protected],

4. Website: www.bcremit.com

Terms & Conditions

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