This User Agreement (“Agreement”) is a contract between you and InterMoney Exchange (“Company”) and applies to your use of Company’s services (the “Services”), including but not limited to account-based and transactional services. By applying for or otherwise requesting the Services, you agree that you have read, agree with and accept all of the terms in this Agreement as well as all other disclosures and consent agreements listed on this website.

You must be of legal authority to consent to this, and other referenced disclosures and consent agreements, to utilize the Services. You warrant that you have the authority to accept and legally consent to this Agreement and are acting at all times with the full consent and authority of any beneficial owners of all funds transacted.

You agree that Company may provide notice to you by posting it on our website, and pursuant to the terms of the Consent to Receive Electronic Communication, which you have read and agreed to. Such notice shall be considered to be received by you within 24 hours of the time it is posted to our website or electronically communicated to you unless we receive notice that the communication was not delivered. You agree that revocation of consent to any agreements on our website is legitimate cause for us to cancel your accounts and/or transactions, and you indemnify us against any ramifications of prompt cancellation.

The Company websites may feature third party offers and enable product searches, or other third party content. Company does not warrant that product descriptions, pricing, search results, user ratings and reviews or any other content on Company websites is accurate, complete, reliable or current except as communicated to you formally in conjunction with the Services.This information is provided for informational purposes only and does not constitute an endorsement by Company of any product, service or vendor. Specific terms of your accounts and/or transactions will be disclosed to you formally at the time of the account or transaction issuance, and periodically as communicated to you via the terms of our Consent to Receive Electronic Communication.

“InterMoney Exchange” and all related logos, products and services and trademarks described on our website are property of the Company or its licensors. You may not copy, imitate or use them without Company’s prior expressed consent. Certain other product or service names, brand names and company names may be trademarks of their respective owners.

It is your responsibility to determine what taxes apply to the transactions and accounts you utilize as a part of the Services, and it is your responsibility to collect, report and remit the correct tax to the appropriate tax authority. Company is not responsible for determining whether taxes apply to your transaction, or for collecting, reporting or remitting any taxes arising from any transaction. You warrant that you are acting legally in accordance with the tax requirements of your and any other relevant jurisdictions to your accounts or transactions, and that failure to properly apply tax requirements is cause for immediate termination of your accounts and/or transactions.

If you believe that any of your InterMoney Exchange account or transaction related account registration information, or access credentials of any kind have been lost or stolen, or if your account history shows transfers that you did not make, you must immediately contact Company via the Contact Information present on our website. You attest that you are responsible for the security of your access credentials and information and indemnify us against any loss as a result of theft or loss of this information.

In connection with your use of the Services, or in the course of your interactions with Company, you attest that you will not breach this Agreement, violate any law, infringe on any copyright or patent of any kind, act in a defamatory or threatening manner, provide false or misleading information, purposely obtain multiple distinct uses of the Services to avoid any recordkeeping requirement, refuse to provide any additional information requested by the Company pursuant to any investigation, use proxies or other anonymization methods, use the service to operate your own transmission business or transmit funds on behalf of another, nor will you attempt to take any action to directly or indirectly harm the interests of InterMoney Exchange through abuse of the Services or our website.

You agree that you are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by Company arising out of your breach of this Agreement, and/or your use of the Services. You agree to reimburse Company immediately for any and all such liability, and any associated damages or costs related to the collection of these amounts. The Company, in its sole discretion, reserves the right to terminate this Agreement, access to its website, or access to the Services for any reason and at any time, returning to you any funds clearly and unambiguously owed to the most recent contact information you have provided. You indemnify the Company against any loss taken pursuant to closure or returns of this type.

Generally, you agree to defend, indemnify and hold harmless Company and its parent, affiliates, officers, directors and employees from any claim or demand (including any damages, losses, expenses and attorneys fees resulting therefrom) made or incurred by any third party due to or arising out of your breach of this Agreement and/or your use of the Services.

If you have a dispute with one or more InterMoney Exchange users relating to the Services, InterMoney Exchange is not responsible for any such dispute and you hereby release Company (and our officers, directors, agents, joint ventures and employees) from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such disputes.

You agree that we may amend this Agreement at any time by posting a revised version on our website, and by Electronic Communication. In the event of termination of this Agreement or the Services, the terms in this Agreement that by their nature are continuing shall survive such termination.

We shall not be liable for any delay or failure in the performance or in delivery or shipment of values, or for any damages suffered by you by reason of such delay or failures, directly or indirectly caused by or in any manner arising from or connected with acts of God, acts of public enemies, riots, strikes, acts of governmental agencies, labor difficulties, failure of our power, telecommunications or other suppliers, delays in securing or shortages of raw materials, breakdown or destruction of any system or equipment or any other cause or causes beyond our control of any kind.