Terms & Conditions
"Alerts" means notices relating to various matters issued or to be issued by Unimoni to you from time to time.
"Call Centre" means the call centre which may be set up by Unimoni or a Service Provider to assist Visitors in connection with the Website including the Facilities displayed or offered thereon and any transactions entered into or proposed to be entered into by the Visitors in respect of such Facilities.
"Consumer" means a Registered User who avails or seeks to avail of any Facility.
"Consumer Registration" means registration relating to the Consumer's position in respect of one or more Facilities.
"Consumer ID/ Registered User ID" means the user name identification chosen by the Consumer and registered by the Website which, along with the Consumer Password, has enabled the Consumer to -
- avail of Facilities and enter into transactions in respect of the Facilities offered on the Website,
- access Consumer Registration, register a change in Consumer Registration as the Website may permit ; and
- do such other acts as the Website may permit or to access the Website.
"Consumer Password / Registered User Password" means the password chosen by the Consumer (or auto-generated, as the case may be) and registered by the Website which, along with the Consumer ID, will enable the Consumer to -
- avail of Facilities and enter into transactions in respect of the Facilities offered on the Website,
- access Consumer Registration, register a change in Consumer Registration as the Website may permit; and
- do such other acts as the Website may permit or to access the Website.
"Facility" means any present and future product, service or facility displayed or offered on or through the Website.
"Person" includes an individual, a company, a body corporate, an association of persons (whether incorporated or not), a trust, a partnership firm, a society and the government.
"Registered User" means any Visitor who has registered himself/herself with the Website but who has not entered into any transactions in respect of the services and products offered on the Website.
"Service Provider" means a Person, including Unimoni's Affiliates, who provides a service to Unimoni in order to enable Unimoni to operate and/or maintain the Website, provide any feature on the Website or provide any Facility which is provided by Unimoni.
"T-PIN" is an abbreviation for Personal Identification Number, and means a password which may be allotted by Unimoni to a Consumer to enable him/her to perform such activities as Unimoni may permit over the telephone through the Call Centre.
"the Terms and Conditions" means the terms and conditions set out above and below and also all other terms and conditions contained elsewhere on the Website from time to time.
"Unimoni's Affiliates" means any other body corporate which controls, is controlled by, or is under common control with, Unimoni.
"Visitor" means any person who accesses or visits the Website, whether or not such person has registered himself/herself as a Registered User. The term "Visitor" includes every Registered User and Consumer.
"the Website" means the Website presently maintained by Unimoni at www.remit2india.com and includes the pages of the Website and any applets, software and content contained in the Website.
"You" and "Your" refer to the person who accepts and agrees to the terms and conditions of this Agreement.
"Receiver/Beneficiary/Recipient" refers to the person that you designate to receive the funds from the remittance payment.
"Remitting Bank" means Unimoni's and /or Unimoni's Affiliates banking partners as decided from time to time with respect to the Facilities provided through the Website.
"Business day" means any day that is not a Saturday, Sunday or bank or public holiday in the place where the visitor visits the website or the Receiver receives the payment.
"Payment Bank Account" means the credit debit card account or bank account that you provide to Unimoni to charge for payment for your use of the Remittance Facility. The Payment Bank Account must be issued or held in your name.
"Remittance Payment" means the payment of funds that you request and authorize through the Remittance Facility to process and deliver to the Receiver.
"Remittance Facility" means the service whereby you may request the delivery of a Remittance Payment to the Receiver in the country of the Receiver.
"Pending Transaction" means any transaction that is not completed after the information is filled by the Consumer. It includes all the transactions for which the Consumer fills the details (excluding the pay-out amount, which is determined by Unimoni and is subject to change) but does not complete the transaction for any reason. Here, his/her details are successfully saved in the tab "Pending Transaction" where the Consumer can return to this tab whenever he/she wants to complete the transaction and he/she will not be required to fill the details again.
"Multiple Transactions" means that a Consumer can transfer money to the same Recipient or more than one Recipient at a time. In this tab, the Consumer can fill the information for multiple Receivers and transfer the funds in one click.
"One Click Transaction" is a Facility where the Consumer can transfer the funds to the Receiver in just one click. This facility is enabled when a Consumer is transferring funds to the same Receiver frequently and the details for that Receiver is saved based upon the frequency of use by the Consumer and can be later utilized by the Consumer to transfer funds to those Receivers whom he/she intends to transfer funds repeatedly.
"Quick Pay" is a tab which facilitates the user to do "Multiple Transactions" or "One Click Transactions" in one go.
"Overview" enables the Consumer to view the history of his/her transactions, including the status for pending and completed transactions.
"Transaction Tracker" is a tool that helps the Consumer to track and monitor the status of the transaction enabling him/her to approximate when the transaction would be completed.
"Messages" are a tab where the Consumer is made aware of the active offers and promos that are running on the Website.
"Perks" is a facility where the Consumer can extract the details of the benefits and offers.
"Scheduled Payments" is a tool which helps the Consumer to save the details and schedule a transaction to be processed at a later date.
"INR" means Indian Rupees.
"CAD" means Canadian Dollars.
"USD" means United States Dollars..
"NEFT" meaning National Electronic Funds Transfer is an electronic funds transfer system maintained by the Reserve Bank of India.
"ECB" meaning External Commercial Borrowing are loans in India made by non-resident lenders in foreign currency to Indian borrowers.
- the singular shall include the plural and vice versa; and
- the word "includes" should be construed as if the words "without limitation" appear thereafter.
This Section is an Agreement in itself and is in addition to the Terms & Conditions as stated in other sections and deals with the remit2india facility ("Remittance Facility") only. It is governed by separate set of laws different from the other Terms and Conditions. This section affects your rights and you should read it carefully. By accessing and using the Remittance Facility, you accept and agree to this section.
Subject to the applicable regulatory approvals, terms and conditions imposed while granting the necessary regulatory approvals and other terms of the Facility, on it being made available, enables you to remit or send local currency (i.e. CAD) from Canada to a designated bank account in India after conversion into INR. Fund transfer in INR for the Facility is offered by Unimoni in association with the Remitting Bank/ Service Provider. Unimoni is also responsible for recording remittance requests, order tracking and communication.
Unimoni is responsible for acting on the remittance requests, collecting money in CAD, converting it into INR and remitting it to the Beneficiary in India as instructed by the remitter of funds i.e. you. The foreign exchange conversion rate shown for the calculation on the Website is only indicative to help you to arrive at an approximate INR amount that the Beneficiary will receive. It in no way guarantees or represents, the foreign exchange conversion rate that will actually be applied to the CAD sent by you (the remitter).
You should pay the CAD as per the instructions stated on the Website by the mode as may be decided by Unimoni from time to time. The payment by credit card shall be subject to following additional conditions/restrictions.
The Remitting Bank will remit the funds to India only after it has received a confirmation that such foreign currency has been received in its bank account. Thereafter, after deducting the appropriate charges/fees, the funds will be transmitted by the Remitting Bank to the bank account in India designated by you. If it comes to the notice of Unimoni that you had insufficient funds in the bank account from which you requested the remittance of money or you have provided wrong details of designated bank account, Unimoni / the Remitting Bank may cancel the requested remittance transaction and you shall bear full liability and responsibility for the same. In addition thereto, you will bear a nominal charge of CAD 20. In the event the insufficiency of funds is learnt by Unimoni after the recipient of the remittance has received the remittance, you will be liable to reimburse Unimoni (as applicable) of the amount remitted and any other charges and costs incurred by Unimoni and/or the Remitting Bank. You agree to pay such amount immediately upon Unimoni's demand along with the revolving interest @ 2% per month from the date of the remittance by the Remitting Bank till the receipt of funds by Unimoni from you. You also agree to pay for all costs associated with the recovery of amounts owed to the Remitting Bank and/or Unimoni, including reasonable attorney's fees and court fees. Unimoni shall also be entitled to inform any credit bureau or any other person or entity including the law enforcement agencies if you fail to pay/reimburse such amount or any part thereof.
In case funds are not received by Unimoni and the disbursement is made to the Beneficiary, Unimoni shall have every right of recovering those funds along with charges from the consumer. By initiating a transaction on the Website, you are aware and agree that the funds may be credited to the account of the Beneficiary even before the funds are received by Unimoni. In such an event, you agree to make good the shortfall/losses (if any) that Unimoni may incur. You further agree that a mere demand from Unimoni in such circumstances shall be good reason for you to make good the shortfall/loss without any demur or delay.
The funds shall be transferred to the Beneficiary’s bank account on a best efforts basis, and such remittance shall be dependent on other factors which may be beyond the control of Unimoni, including but not limited to NEFT cycles in which Unimoni / Remitting Bank participates (and not all NEFT cycles made available by the Reserve Bank of India), public, national and bank holidays in the receiving country and the country from where the funds are transferred, remittance request clearing the compliance standards laid down by Unimoni, uninterrupted technical support available to Unimoni, some unforeseen event beyond the control of Unimoni, etc.
While it shall be Unimoni's endeavour to adhere to the time schedule indicated by it on the Website, Unimoni or the Remitting Bank will not be responsible or liable for any changes in the time schedule for execution of your instructions or remittance / credit of funds for any reason. Nothing provided on the Website should be construed as advice of any nature and you are advised to consult professionals in this regard prior to taking any decision. Further, the Facility does not, in any way, solicit or encourage you to enter into any such transaction. Unimoni and/or the Remitting Bank shall not, under any circumstances, be responsible for any loss suffered due to any fraud or other actions of the Consumer. Further, the Facility is offered subject to the applicable laws of any other country, including the country from which the funds are to be remitted, and it shall be your responsibility to ensure that these laws are adhered to. Unimoni accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country.
The Consumer has to specify the purpose of remittance at all times. The Consumer assures that all remittances booked on the Website shall not be towards the purpose of ECB, advanced remittance for professional services not rendered and/or capital infusion as defined by the Reserve Bank of India or any prohibited purposes as may be specified by Reserve Bank of India from time to time.
You hereby undertake that by sending funds to India, you are not violating any exchange control laws stipulated by the Government of India and/or the Reserve Bank of India or laws of the country from where the funds are being remitted.
Remitting Bank/ Service Provider shall in no way be held responsible and/or be liable for any errors, disputes or delays in messaging, money transmission, currency conversion, conversion rates offered, payment to the beneficiaries of the remittances or any other claim or dispute apart from banking errors at the Remitting Bank’s / Service Provider’s end. Unimoni will, however, assist you in all service related issues and queries regarding transaction status including the support of the Remitting Bank to facilitate resolution of such queries to the best of Unimoni's ability.
The above terms and conditions are in addition to the additional terms and conditions relating to the Facility appearing elsewhere on this Website or otherwise now or hereafter agreed or deemed to be agreed by you.
This Remittance Service Agreement ("Agreement") sets forth the terms and conditions under which Unimoni and/or Service Provider and/or Remitting Bank will provide the Remittance Facility to you upon your request. These terms and conditions affect your rights and you should read them carefully. By accessing and using the Remittance Facility, you accept and agree to the terms and conditions in this Agreement.
- Definitions in this Agreement.
The words "you" and "your" refer to the person who accepts and agrees to the terms and conditions of this Agreement.
The words "we", "us" "Remitting Bank" refer to the bank as defined under the clause 2.1.
The word "Beneficiary" refers to the person that you designate to receive the funds from the remittance payment.
The word "Business Day" means any day that is not a Saturday, Sunday or bank holiday for Remitting Bank.
The word "Payment Account" means the credit card account, debit card account or bank account that you provide to Unimoni to charge for payment for your use of the Remittance Facility. The Payment Account must be issued or held in your name by a Canada depository institution.
The words "Remittance Payment" means the payment of funds that you request and authorize through the Remittance Facility to process and deliver to the Beneficiary.
The words "Remittance Facility" means the service whereby you may request the delivery of a remittance payment to the beneficiary in the country of the beneficiary.
- Scope of Agreement.
This Agreement applies to the remittance payments that you request through the Remittance Facility. You also may be subject to other terms and conditions when using the Website and other Unimoni services. Unimoni and/or the Remitting Bank is only responsible for processing remittance payments you request and authorize through the Remittance Facility. Unimoni or a Service Provider is responsible for operating the Website and for responding to Consumer service questions regarding the Remittance Facility.
- Registration Information.
You will be required to provide certain registration information when signing up for the Remittance Facility or when requesting a remittance payment. If you do not provide accurate and complete information during registration, you may be prohibited from using the Remittance Facility or you may cause errors in your requested remittance payment. The home address that you provide when registering must be the same as the billing address for your credit card or debit card. Unimoni may seek to verify your registration information but is under no obligation to undertake verification.
- Description of the Remittance Facility.
You may use the Remittance Facility to send money to a Beneficiary located in India. The Remittance Facility may only be used to send remittance payments to a Beneficiary located in any permissible beneficiary country designated on the Website from time to time. You must be at least eighteen (18) years of age, and a resident of the Canada in order to use the Remittance Facility.
Use of the Remittance Facility does not establish a checking account or any other form of a bank account for you or the receiver. THE REMITTANCE FACILITY DOES NOT CONSTITUTE OR CREATE A FIDUCIARY OR ESCROW CAPACITY BETWEEN YOU AND UNIMONI OR IT'S AFFILIATES. FUNDS HELD WHILE PROCESSING A REMITTANCE PAYMENT REQUEST ARE NOT INSURED BY ANY GOVERNMENT AUTHORITY. The Remittance Facility is not a funds transfer service, and your request for a remittance payment is not a payment order or other request for a funds transfer.
- Authority to Charge Payment Bank Account
By requesting a remittance payment through the Remittance Facility, you authorize Unimoni to charge your Payment Bank Account for the amount of the requested remittance payment and any service fees. You understand and acknowledge that Unimoni has no obligation to process or complete a requested remittance payment if Unimoni is unable for any reason to obtain authorization or settlement of the funds from charging your Payment Bank Account for the amount of the requested remittance payment. You further acknowledge that the acceptance and processing of a remittance payment request by Unimoni are subject to the terms and conditions stated in this Agreement.
In the event that the charge to your Payment Bank Account is subsequently returned, charged-back or cancelled for any reason, and Unimoni has already processed your remittance payment request, you will be responsible to Unimoni for the amount of the remittance payment. You agree to pay such amount, plus any applicable service fee or in-sufficient funds fee applicable to the return, to Unimoni immediately upon demand.
- Reliance by Unimoni.
When processing a remittance payment, Unimoni may rely on the registration information and remittance payment request information that you provide to Unimoni. Any errors in the information, including misidentification of Beneficiary(s), incorrect or inconsistent bank account names and numbers, or misspellings, are your responsibility.
- Execution of a Remittance Payment Request.
Unimoni is dependent on the Remitting Bank to execute your remittance payment request. If your remittance payment request is received by Unimoni on a day that is not a business day of Unimoni or Remitting Bank, or on a business day after an established cut-off time for processing, your remittance payment request will not be processed until the next business day. The applicable cut-off time may vary from time to time, and will be disclosed to you on the Website.
- Instant Account Verification
The Instant Account Verification Service is intended to verify your authority and access to external financial accounts by confirming your ability to access to the external financial account. Your use of the Instant Account Verification Service is subject to the terms and conditions of this section. Proceeding with using this service constitutes your assent to and acceptance of this section of the terms and conditions
PROVIDE ACCURATE INFORMATION. You agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other financial institutions and you agree to not misrepresent your identity or your account information.
INSTANT ACCOUNT VERIFICATION SERVICE. By using the Instant Account Verification Service, you authorize Unimoni and its suppliers (“Supplier”) to access third party sites designated by you, on your behalf, to retrieve information requested by you. For all purposes hereof, you hereby grant Unimoni and Supplier a limited power of attorney, and you hereby appoint Unimoni and Supplier as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN UNIMONI OR SUPPLIER ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY SITES, UNIMONI AND SUPPLIER ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that the Instant Account Verification Service is not endorsed or sponsored by any third party account providers accessible through the Instant Account Verification Service. You are licensing to Unimoni and Supplier any information, data, passwords, materials or other content (collectively, “Content”) you provide through or to the Instant Account Verification Service. Unimoni and Supplier may use, modify, display, distribute and create new material using such Content to provide the Instant Account Verification Service to you. By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, Unimoni and Suppliers may use the Content for the purposes set out above. As between Unimoni and Suppliers, Unimoni owns your confidential account information.
CHALLENGE DEPOSIT VERIFICATION SERVICE. The Challenge Deposit Verification Service is an alternate method of verifying your access to an external financial account. By using the Challenge Deposit Verification Service, you authorize Unimoni and Supplier to make up to two micro-deposits (less than CAD 1.00) to the external financial account specified by you. You will thereafter verify the amounts deposited to Unimoni and Suppliers.
USE OF RESULTS LIMITED.You agree that the results of the Instant Account Verification Service are for use by you and Unimoni and its service providers or Remitting Bank only in connection with the Facility. You agree not to reverse engineer or reverse compile any of the service technology, including but not limited to, any Java applets associated with the Instant Account Verification Service.
LIMITATION OF LIABILITY. YOU AGREE THAT NEITHER UNIMONI NOR ITS SUPPLIERS NOR ANY OF THEIR AFFILIATES, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF UNIMONI OR SUPPLIER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM THE USE OR THE INABILITY TO USE THE INSTANT ACCOUNT VERIFICATION SERVICE OR ANY OTHER MATTER RELATING TO THE INSTANT ACCOUNT VERIFICATION SERVICE, INCLUDING BUT NOT LIMITED TO (i) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES, (ii) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE INSTANT ACCOUNT VERIFICATION SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANYONE ON THE INSTANT ACCOUNT VERIFICATION SERVICE; OR (v) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES.
INDEMNIFICATION. You agree to indemnify and hold harmless Unimoni and Supplier and their affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorney fees) caused by or arising from your use of the Instant Account Verification Service or your violation of these terms.
You agree that Supplier is a third party beneficiary of the above provisions, with all rights to enforce such provisions as if Supplier were a party to this Agreement.
- Payment of Funds to Receiver.
Remitting Bank and/or Unimoni -designated Service Providers will arrange for the delivery of the remittance payment to the Beneficiary in the country of the Beneficiary. Payment will be made by means of check, by stored value card (if available), credit to a bank account or credit card account (if available) or by other payment instrument. Not all payment methods are available in all countries, and Unimoni reserves the right to change payment method options. Remitting Bank also reserves right to select form of payment to beneficiary. Remitting Bank and/or Unimoni -designated Service Providers will use reasonable efforts to provide payment in form requested, but the Remittance Facility is not obligated to provide all these payment options for a specific remittance payment. If a Beneficiary cannot be located and identified, the remittance payment funds may be returned to you either by a credit to your Payment Bank Account or by check payment. Unimoni or Remitting Bank reserves the right to establish identification and verification requirements for a Beneficiary to receive the funds from a remittance payment. Unimoni and/or Remitting Bank may rely, without further investigation, upon identification information or documentation provided by you or a Beneficiary, including any code or identifier number of the remittance payment, when making a payment of funds to the Beneficiary. Unimoni and/or Remitting Bank shall not be liable for any error in the proper identification of the Receiver. You shall be liable for the money remittance to unintended Recipient with a seemingly valid identification of the intended Receiver.
- Currency of Remittance Payment.
Remittance payments to Beneficiaries are generally made in the currency of the country within which the Beneficiary is located. If permitted by applicable law and the Remittance Facility, a remittance payment may be requested in USD.
If conversion is required, Unimoni and/or Remitting Bank and/or Unimoni -designated Service Providers will convert a USD remittance payment to the local currency at the exchange rate for a transfer in that amount in effect at that time. Regardless of the currency transferred, the actual amount that the Beneficiary receives may be reduced by charges imposed Unimoni or other intermediary banks, including a service fee for currency conversion.
- Permissible Remittance Payments.
You agree that you will only request a remittance payment that complies with this Agreement, applicable law of the originating country like Canada, and / or applicable law of the country of the Beneficiary. You may use the Remittance Facility to send remittance payments on your own behalf. You may not resell the Remittance Facility registration access or use the Remittance Facility to make remittance payments on behalf of, or as agent for, another person. You agree that you will not request a remittance payment that would result in a violation of the laws or regulations of Canada, including without limitation, the economic sanctions administered by FINTRAC/OSFI and the anti-money laundering laws applicable in Canada. You agree that you will provide information that Unimoni may request from time to time regarding your identity or the identity of the Beneficiary in order for Unimoni to comply with any applicable laws, including anti-money laundering laws. Unimoni may provide information regarding you, the Beneficiary and your use of the Remittance Facility to government authorities.
- Rejection of Remittance Payment Request.
Unimoni may reject your request for a remittance payment, or impose a CAD limitation on your remittance payment, without cause or prior notice to you. Without limiting the foregoing, Unimoni may suspend, delay or reject your remittance payment request: (a) if the CAD value of one or more of your remittance payment requests exceed any transfer limits established for the Remittance Facility; (b) if Unimoni is unable to charge your Payment Bank Account for the amount of the requested remittance payment and related fees; (c) if your request is incomplete or unclear; (d) if Unimoni is unable to confirm your identity or verify any registration or beneficiary information; or (e) if Remitting Bank and/or Unimoni -designated Service Providers are unable to fulfil your request for any reason
You understand and agree that if your request for a remittance payment is rejected for any reason, you will be informed of the rejection during your next online session, by electronic mail, or by any other reasonable means of notice.
- Service Fees and Charges.
You authorize Unimoni to charge your Payment Bank Account for any applicable service fees and charges for your use of the remittance service in accordance with the Remittance Facility fee schedule in effect at the time you make a remittance payment request.
You acknowledge and agree that Remitting Bank and/or Unimoni designated Service Providers involved in processing a remittance payment may charge a currency conversion fee for converting the CAD payment to the local currency of the recipient. The fee for this currency conversion may vary. You may obtain more information on the applicable currency conversion fee on the Website.
- Delays or Non-Execution of Remittance Payment Request.
You agree that Unimoni shall not be responsible for any delay, failure to execute, or mis-execution of your remittance payment request due to circumstances beyond Unimoni's reasonable control, whether caused by strikes, power failures, equipment malfunctions, acts or omissions of any intermediary bank, war, riots, governmental or court orders, work stoppages or similar occurrences or circumstances. You further agree that Unimoni may refuse to process or delay processing any request if it would violate any guideline, rule, policy or regulation of any government authority or funds transfer system. THE REMITTANCE FACILITY IS PROVIDED TO YOU ON AN "AS IS" AND "AS AVAILABLE" BASIS. UNIMONI MAKES NO WARRANTIES, EXPRESS OR IMPLIED WITH RESPECT TO THE REMITTANCE FACILITY.
If you request the cancellation and refund of a previously requested remittance payment, Unimoni is under no obligation to process or honour such a request unless required by applicable laws.
Further, if Unimoni is not able to process the remittance due to incorrect bank account number or insufficient details, then after 60 days from the date of remittance, Unimoni would return the funds to the remitter.
In either of the events, where Unimoni does refund a previously requested remittance payment, the amount of funds that are returned to you may be less than you originally paid for the remittance payment because of service charges, foreign taxes and difference in exchange rates. Your returned funds will be in the same currency in which the transaction was initiated. Unimoni shall not be liable to you for any loss resulting from Unimoni's inability to cancel or refund a remittance payment. If Unimoni determines to refund remittance payment funds to you, these funds may be returned to you either by a credit to your Payment Bank Account or by check payment, at Unimoni's option.
We do not provide refunds unless we have not processed your transaction according to your instructions or we are unable to pay out the transaction. To request a refund, please contact our Call Centre.
- Limitation of Liability.
Unimoni will use commercially reasonable efforts to complete the remittance payment to the Beneficiary pursuant to your instructions. If remittance payment is delayed or erroneously executed as a result of Unimoni and/or Remitting Bank's error or negligence, then Unimoni's sole obligation to you is to correct the error or to refund the amount of the requested remittance payment and applicable Remitting Bank fees and charges. YOU UNDERSTAND AND AGREE THAT THE SERVICES IS PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS. TO THE EXTENT PERMITTED BY LAW, UNIMONI DISCLAIM ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT; UNIMONI MAKE NO WARRANTY THAT THE REMITTANCE FACILITY WILL BE (I) UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (II) THE RESULTS OBTAINED FROM USE OF THE REMITTANCE FACILITY WILL BE ACCURATE, RELIABLE OR TO YOUR EXPECTATIONS. USE OF THE SERVICE IS AT YOUR OWN RISK. IN NO EVENT SHALL UNIMONI BE RESPONSIBLE FOR ANY PUNITIVE, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXPENSES ARISING IN CONNECTION WITH A REMITTANCE PAYMENT OR THE REMITTANCE FACILITY. unimoni shall not be liable for non-performance or delay or loss or damage resulting from, failure to locate, or error in identifying, the named Recipient, or resulting from because of abnormal and unforeseeable circumstances outside our control-including, for example, delays or failures caused by industrial action, problems with another system or network, mechanical breakdown or data-processing failures. Unimoni is not liable to you for more than the principal amount of your transaction and the transfer fee, except as otherwise provided by law. Unimoni and their employees, or service partners or agents, or consultants will not under any circumstances will not be liable for any incidental, indirect, special or consequential losses or costs you suffer or, any business losses or costs (such as loss of business profits or opportunities). Unimoni acts only as a money transmitter and accepts no responsibility or liability arising from transactions between you and any third parties. You are cautioned from using the Remittance Facility to purchase goods or services on the internet, and from sending money to any person or institution you do not know or trust. You are prohibited from using the services for gaming, gambling or any other illegal purposes. If you choose to do any of the cautioned or prohibited activity, the same will be at your own risk and consequences. In no event shall Unimoni be liable for any damages and/or losses for delay, non-delivery, non-payment, under-payment, or without limitation any other event relating to your transaction, whether due to the fault, error or omission of Unimoni or its service partners, for more than the principal amount of your transaction and the transfer fee, except as otherwise provided by the law. In any event, an action or proceeding by you to enforce any obligation, duty or right arising under the Agreement must be commenced within one (1) year from the date that such cause of action accrues. In no event shall Unimoni's liability ever exceed the amount of the remittance payment. The foregoing shall constitute Unimoni's entire liability and your exclusive remedy.
In consideration of the agreement by Unimoni to provide you with the Remittance Facility, you agree to indemnify and hold Unimoni harmless from and against any and all claims, suits, judgments, executions, liabilities, losses, damages, costs, and expenses - including reasonable attorney's fees - in connection with or arising out of (i) your use of the Remittance Facility, (ii) your breach of this Agreement, or (iii) Unimoni acting upon your request for a remittance payment pursuant to this Agreement..
- Arbitration of Disputes.
You understand and agree that Unimoni may require any dispute arising from your use of the Remittance Facility be resolved by binding arbitration. Unimoni may designate an arbitrator or arbitration panel located in Ontario. Decisions of any arbitration process shall be binding on you.
- S. Amendments.
You agree that Unimoni reserves the right to change (amend, add to, or delete) the terms and conditions of this Agreement. Unless otherwise required by law, Unimoni may amend this Agreement without prior notice to you.
- Electronic Communications.
In order to use the Remittance Facility, you consent to receive and accept this Agreement, any amendment to this Agreement, and all notices relating to the Remittance Facility by means of electronic (email and website posting) communications. In the event any change to this Agreement requires prior notice to you, Unimoni will notify you by email, at the email address that you provided with registering for the Remittance Facility, of the amended Agreement or will provide you with a link in such email to where you may view the revised or amended Agreement. A record of each remittance payment will be made available to you by Unimoni electronically at the Website or by email. You acknowledge and agree that in order to use the Remittance Facility you must have a monitor and computer equipped with at least: an Internet browser with 128 bit encryption and either a printer or a disk drive or other electronic storage device. You agree that if you remove your consent to receive electronic communications, Unimoni will terminate your use of the Remittance Facility. You further acknowledge and agree that all email notices sent to you regarding the status of remittance payment request are only service messages, and will not be considered an official record of Unimoni with respect the remittance payment requested through the Remittance Facility. In the event of a conflict, the official records of Unimoni will control over any service messages.
- Governing Law.
This Agreement (Section) shall be governed by laws of the Province of Ontario and the laws of Canada applicable in such Province.
Unimoni may use and disclose to third parties (including to Remitting Bank and/or Unimoni-designated Service Providers) your registration information and remittance payment information in order to process a requested remittance payment, to validate your registration information, to resolve a dispute, to enforce Unimoni's rights and for any other purposes permitted by law.
- Agreement to Terms and Conditions.
By clicking "I Agree", you acknowledge that you have read, understood, accept and agree to the terms and conditions of this Agreement or other Terms and Conditions as may be amended from time to time. You also confirm that you are able to print or download a copy of this Agreement.
- to provide true, accurate, current and complete information about yourself as prompted by the registration form on the Website, and
- to maintain and update this information from time to time and to keep it true, accurate, current and complete at all times.
You shall indemnify Unimoni for any losses caused to Unimoni due to any information provided by you to Unimoni being untrue, inaccurate, not current or incomplete in any respect, and Unimoni shall not be responsible for any losses sustained by you due to any information provided by you to Unimoni being untrue, inaccurate, not current or incomplete in any respect. If any information provided by you is untrue, inaccurate, not current or incomplete, Unimoni has the right to terminate your registration and refuse you access to or use of the Website or any Facilities
- immediately notify Unimoni via e-mail and Registered Post AD, or through the Call Centre, of any suspected loss, theft, unauthorised usage of the ID or password, any other breach of security, or any receipt by you of confirmation of a transaction, fund or securities transfer or other activity which you did not authorise; or any inaccurate information in your bank account balances, securities positions or transaction history and
- ensure that you logout at the end of each session.
post or transmit any unlawful, fraudulent, libelous, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, offensive, or otherwise objectionable information or statement of any kind including, without limitation, any information or statement constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability, or otherwise violate any local, state, national, foreign or other law;
post or transmit any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or schemes or other unsolicited commercial communication (except as otherwise expressly permitted by Unimoni) or engage in spamming or flooding;
post or transmit any information or software which contains a virus, trojan horse, worm, malware, bot or any other component or script that may be harmful to the Websites, Unimoni and/ or any of the Service Provider;
post, publish, transmit, reproduce, distribute or in any way exploit any information, software or other material obtained from or through the Website for commercial purposes (other than as expressly permitted by the provider of such information, software or other material);
attempt to decompile or reverse engineer any of the software, script, codes or other information available on or through the Website.
You will not make any attempt to hack into the Website or otherwise attempt to subvert any firewall or other security measure of the Website and if you become aware of any shortcoming in the security on the Website you shall forthwith inform Unimoni of the same in writing.
- any warranties concerning the availability, accuracy, usefulness, or correctness, currency or completeness of information, Facilities, products or services and
- any warranties of title, warranty of non-infringement, freedom from computer virus, warranties of merchantability or fitness for a particular purpose, other than those warranties which are incapable of exclusion, restriction or modification under the laws applicable to the Terms and Conditions.
Unimoni has not verified and shall not be liable or responsible for any content or other information on the Website or on web-sites linked to or with Unimoni. Unimoni does not, in any way, certify or warrant the performance, operation, content or availability of the Website or such other websites. Although Unimoni adopts security measures which it considers appropriate for the Website, it does not assure or guarantee that no person will overcome or subvert the security measures and gain unauthorised access to the Website or any Consumer Registrations. Unimoni shall not be responsible or liable if any unauthorised person hacks into or gains access to the Website, any Facility or your registration; and you shall be liable and responsible for the same.
While Unimoni shall endeavour that your instructions and your transactions pursuant to Facilities provided by Unimoni are communicated, carried out and/or performed promptly, Unimoni does not guarantee that any instructions will definitely be communicated or carried out or that any transactions will definitely be performed; and Unimoni shall not be responsible for any delay in communicating, carrying out or performance of any instructions or transactions due to any reason whatsoever, including by reason of failure of operational systems for reasons including but not limited to virus attacks, natural calamity, floods, fire and other natural disasters, legal restraints, faults in the telecommunication network or network failure, software or hardware error, labour problem, strike or any other reason beyond the control of Unimoni.
Clicking on certain portions or links within the Website might take you to other websites without any intimation or indication of doing or having done so. The linked websites are not under the control of Unimoni and Unimoni assumes no responsibility whatsoever for such other websites whether as to content, availability, performance or otherwise. Unimoni also does not represent or warrant that these links shall operate satisfactorily. Unimoni provides these links only as a convenience and links to external websites do not constitute an endorsement by Unimoni of such other sites, the sponsors of such sites or the content, products, advertising or other materials presented on or by such sites. Unimoni shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the access or use of such other websites or reliance on or availing of any content, goods or services available on or through such other websites.
|Amount (CAD)||Transfer Fees (CAD)|
|50 - 500||2.99|
|501 - 200000||0|
Unimoni and/or its Service Providers shall endeavour to ensure that Alerts are communicated to you in accordance with your instructions in this regard. However, neither Unimoni nor the Service Providers would be responsible or liable for non-dispatch or delay in dispatch of the Alerts by Unimoni and/or the Service Providers or any delay in receipt or on-receipt of the Alerts for any reason whatsoever. Under no circumstances shall Unimoni and/or the Service Providers be liable for any costs, damages or other amount whatsoever for such non-dispatch or delay in dispatch or any non-receipt or delay in receipt of the Alerts. Non- receipt of Alerts will not discharge or reduce your liability to pay any amount to Unimoni which would have been payable in the event of proper receipt of the Alerts.
Customised New Customised News means information in the areas of politics, sports, finance, etc. which may be provided or procured to be provided by Unimoni by e-mail, on the Website, over a telephone or mobile phone or any other manner on the request of Registered Users. Such information may be sourced by Unimoni from third party service providers and may be transmitted by Unimoni to you without verification. Unimoni does not warrant the accuracy, timeliness or completeness of any information and you must independently verify the information before acting or omitting to act on the basis thereof. You shall not hold Unimoni responsible or liable if any information is inaccurate, outdated, or incomplete.
It is your responsibility to evaluate the completeness, currency, accuracy or usefulness of any information, opinion, guidance, recommendation, advice, document or other content available on or through or pursuant to the Website and you should consult your own counsel, business advisor, investment advisor, tax advisor or other advisor or consultant and seek independent professional advice and make independent inquiries as to the legal, business, tax and related matters concerning any Facilities, shares, securities or other instruments with respect to which any information, opinion, guidance, recommendation, advice or other content is sought or given. Unimoni does not offer any shares, securities or investment advice. However, if you use these facilities for any investments or other decisions, those will be based solely on your own evaluation of financial circumstances and investment objectives and Unimoni will not be liable or responsible for the same.
You shall be solely and absolutely responsible for your own investments, research and investment decisions, and Unimoni shall not be liable for any decision made or action taken by you or others based upon reliance on information, material, advice, recommendations, opinion or views obtained on or through the Website.
Prior to the execution of a securities trade, you should always consult with your broker or other financial representative to verify securities pricing information.
Prior to entering into any transaction or executing any documentation or agreeing to any terms you should consult your legal, financial and other advisors.
Unimoni or Unimoni's Affiliates is the owner and/or authorized user of any trademark, registered trademark and/or service mark appearing on the Website (except those which are marked otherwise)., and is the copyright owner or licensee of the content and/or information on the Website including but not limited to any text, images, illustrations, audio clips, video clips and screens appearing on the Website (except those which are marked otherwise). All rights on the Website are reserved and you may not download and/or save a copy of the Website or any part thereof including any of the screens or part thereof and/or reproduce, store it in a retrieval system or transmit it in any form or by any means - electronic, electrostatic, magnetic tape, mechanical printing, photocopying, recording or otherwise including the right of translation in any language without the express permission of Unimoni (except as otherwise provided on the Website or in the Terms and Conditions for any purpose) or use it in any manner that is likely to cause confusion or deception among persons or in any manner disparages or discredits Unimoni or Unimoni's Affiliates or designated service providers. However, you may print a copy of the information on this Website for your personal use or records. This Website is for your personal use. If you make other use of this Website, except as otherwise provided above, you may violate copyright and other laws of various countries, and may be subject to penalties. Unimoni and/or the designated service providers do not grant any license or other authorization or user of its trademarks, registered trademarks, service marks, or other copyrightable material or other intellectual property by placing them on the Website.
You irrevocably and unconditionally authorise Unimoni, its affiliates or Service Providers to access all information relating to you (including personal information and information relating to access and use of the Website and Facilities by you and the transactions entered into by you). Subject to the Privacy Statement, all information submitted on or via the Website shall be deemed to be and remain the property of Unimoni. Unimoni, Service Providers, and Unimoni’s Affiliate shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in any information you may provide to or through the Website. Unimoni, Unimoni’s Affiliate and Service Providers shall not be subject to any obligations of confidentiality regarding submitted information except as otherwise expressly agreed by it directly with you. Unimoni shall be deemed to acquire from you a non-exclusive, world-wide, perceptual, irrevocable, royalty free licence to use, adapt, reproduce, modify, publish, translate, create derivative works from, distribute, perform or display any ideas, concepts, know-how or techniques contained in any information provided by you to or through the Website.
The Terms and Conditions and your use of or access to the Website or any Facilities are not intended to create an agency, partnership, joint-venture or employer-employee relationship between you and the Website, Unimoni, any or any Service Provider, except where otherwise specifically agreed or appointed.
Unimoni has no obligation to monitor the functioning of the Website. However, you acknowledge and agree that Unimoni has the right to monitor the functioning of the Website electronically or otherwise from time to time and to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Website properly or to protect itself or its Service Providers, Visitors, Users or Consumers. Unimoni will not intentionally monitor or disclose any private electronic-mail message to any third party unless required by law. Unimoni reserves the right to refuse to post or to remove any information or materials, in whole or in part, that, in its sole discretion, are unacceptable, undesirable, inappropriate or in violation of the Terms and Conditions.
You agree to defend, indemnify and hold Unimoni, its directors, officers, employees, and Service Providers harmless from any and all claims, liabilities, damages, costs, expenses and proceedings, including reasonable attorneys' fees, arising in any way from your use of the Website or the placement or transmission of any message, information, software or other materials through the Website by you or users of your ID and password or related to any violation of the Terms and Conditions by you or users of your of your ID and password, and any claims dispute or differences between you and any Supplier.
You acknowledge and agree that Unimoni may, without notice, suspend or terminate your ID, password or registration or deny you access to all or part of the Website or any Facilities without prior notice if you engage in any conduct or activities that Unimoni in its sole discretion believes violate any of the Terms and Conditions, violate the rights of Unimoni, or is otherwise inappropriate for continued access, or if Unimoni learns of your death, bankruptcy or lack of legal capacity or of circumstances which impact your credit worthiness (which shall be determined at the sole discretion of Unimoni) or for any other reason which Unimoni thinks fit and proper.
You may request for termination of this Facility at any time by giving a written notice of at least 15 days to Unimoni. The termination shall take effect on the completion of the fifteenth day from the date of receipt of the notice by Unimoni. Provided however that you will remain responsible for any transactions entered into by you and all obligations incurred by you until the time of such termination
The failure or delay of Unimoni to exercise or enforce any right or provision of the Terms and Conditions shall not constitute a waiver of such right or provision. No waiver on the part of Unimoni shall be valid unless it is in writing signed by or on behalf of Unimoni. A waiver of any right or provision by Unimoni on a particular occasion shall not prevent Unimoni from enforcing such right or provision on a subsequent occasion.
If any provision of the Terms and Conditions shall be held to be invalid or unenforceable by reason of any law or any rule, order, judgement, decree, award or decision of any court, tribunal or regulatory or self-regulatory agency or body, such invalidity or unenforceability shall attach only to such provision or condition, and you, Unimoni, the court, tribunal or regulatory or self-regulatory agency or body should endeavour to give effect to the parties' intentions as reflected in the provision to the extent possible,. The validity of the remaining provisions and conditions shall not be affected thereby and these Terms shall be carried out as if any such invalid or unenforceable provision or condition was not contained herein.
Notwithstanding any statute or law to the contrary, but to the extent permitted by law, any claim or cause of action arising out of or related to access or use of the Website or any Facility or the Terms and Conditions must be filed within three (3) months after such claim or cause of action arose failing which it shall be forever barred.
Gift voucher Terms & Conditions:
- This is a limited period offer and applicable to eligible customers only
- Applicable for the first complete transaction post registration on transfers of CAD 500 and above
- The offer would be applicable for a single login id per customer
- The voucher keys/codes are procured through a third party vendor and will be shared with the user after he/she has completed a transaction
- E-voucher key should be redeemed before the mentioned expiry date
- E-voucher key is for one-time use only
- Multiple coupon codes cannot be used in a single transaction
- This offer cannot be combined with any other offer
- Standard terms & conditions applicable
- The coupon redemption key/link will be sent to the eligible customer's registered email id within 14 business days of completing the first transaction from Canada to India using Remit2India
- Gift voucher is provided by Swych, a third party service provider
- It is mandatory for the customers to enter their Canada mobile number on the Swych interface
- For any assistance, customers can contact Swych customer care by sending an email to firstname.lastname@example.org
We have engaged ESC . (ESC Corporate Services LTD) to provide this verification for us. To verify your identity, your personal information will be matched with the information contained in your Credit File Report and other third party sources. You also consent to your personal information being compared to records maintained by third parties, including telecom and other service providers, and you consent to those third parties providing personal information to us and our third-party suppliers for the purpose of identity verification. By clicking "I agree" and submitting your information, you confirm your consent to ESC collecting, using, disclosing, and storing your personal information for the purpose of this verification. This is a soft inquiry and will not affect your credit score or be visible to other financial institutions.