Terms & Conditions

1.1

UAE Exchange UK Limited, ("UAE Exchange") is a Private Limited Company incorporated under the laws of England and Wales. UAE Exchange presently has its registered office at 14-15 Carlisle Street, Soho Square, London W1D 3BS, UK, and a branch in Ireland located at Unit 132, Level 1, The Square, Tallaght, Dublin-24. UAE Exchange is authorised by the Financial Conduct Authority in the United Kingdom and is regulated by the Central Bank of Ireland for conduct of business rules.

1.2

These Terms and Conditions govern Your use of Remit2India service. You may access the service through the website page located at www.remit2india.com (the "Website"). UAE Exchange offers You access to and use of the Website and the opportunity to avail of the Facilities, products and services displayed or offered on the Website on and subject to the Terms and Conditions set out below and elsewhere in the Website (hereinafter referred to as "the Terms and Conditions"). UAE Exchange or a Service Provider owns and maintains the Website. You must accept and agree to abide by the Terms and Conditions before accessing or using the Website or availing of any of the Facilities, products or services offered on the Website.

1.3

Please read the Terms and Conditions carefully. The access and use of the Website means that You have read and agreed to accept and abide by the Terms and Conditions, which together with our Privacy Policy govern Your relationship with us or use of the Website. In case You do not agree to accept and abide by the Terms and Conditions, do not access or use this Website or any pages thereof and do not avail of any of the Facilities, products or services offered on or through the Website.

1.4

Please note that by clicking on "SUBMIT" it will be deemed that You have read and understood the Terms and Conditions and that You agree to accept and abide by the Terms and Conditions.

1.5

UAE Exchange may in its sole discretion modify, alter, add to or delete the Terms and Conditions from time to time without any prior notice. It is Your responsibility to review the Terms and Conditions for any alterations, additions or deletions while You access or use the Website or any Facility, product or service displayed or offered on the Website. Unless otherwise specified by UAE Exchange, all modifications, alterations, additions and deletions shall take effect automatically and be binding on and from the day they are posted on the Website. By continuing to access or use the Website or any Facilities, products or services offered on the Website, You will be deemed to have agreed to accept and be bound by such altered, added to or deleted Terms and Conditions. If You do not agree to the alterations, additions or deletions, You should discontinue accessing or using the Website or availing of any Facilities, products or services on the Website (other than those which have already been availed of by You prior to such alterations, additions or deletion

2.1

In these Terms and Conditions (including the introduction above), unless the context otherwise requires, the following words and phrases shall have the meanings assigned to them hereunder

"Alerts" means notices relating to various matters issued or to be issued by UAE Exchange to You from time to time.

"Call Centre" means the call centre which may be set up by UAE Exchange 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 and is a natural person acting for purposes outside their business, trade or profession.

"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 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 UAE Exchange's Affiliates, who provides a service to UAE Exchange in order to enable UAE Exchange to operate and/or maintain the Website, provide any feature on the Website or provide any Facility which is provided by UAE Exchange.

"T-PIN" is an abbreviation for Personal Identification Number, and means a password which may be allotted by UAE Exchange to a Consumer to enable him/her to perform such activities as UAE Exchange may permit over the telephone through the Call Centre.

"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.

"UAE Exchange's Affiliate" means any other body corporate which controls, is controlled by, or is under common control with, UAE Exchange.

"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 UAE Exchange at www.remit2india.com and includes the pages of the Website and any applets, software and content contained in the Website.

"You" and "You" 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 UAE Exchange’s and /or UAE Exchange'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 Ireland and 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 UAE Exchange 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 UAE Exchange 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 Registered 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.

"EURO" means Euro.

"NEFT" meaning National Electronic Funds Transfer is an electronic funds transfer system maintained by the Reserve Bank of India.

The words "we", "us" "our" shall be references to UAE Exchange UK Limited.

2.2

reference to a particular gender shall be deemed to include a reference to the other genders; and

• the singular shall include the plural and vice versa; and
• the word "includes" should be construed as if the words "without limitation" appear thereafter.

3.1

The Website primarily facilitates the display and offering of Facilities by UAE Exchange on a no-liability and no-obligation basis. Information and Facilities on the Website may be displayed and offered in a phased manner at the discretion of UAE Exchange. From time to time and in its discretion, with notice, UAE Exchange shall have the right to introduce new information and Facilities and to add, modify, suspend or withdraw any information or Facility or the terms thereof in whole or in part.

3.2

If any of the Terms and Conditions is not acceptable to You or You disagree with any material on the Website, Your sole and exclusive remedy is to discontinue using the Website.

3.3

Remittance Facility

This Section is an Agreement in itself and is in addition to the Terms & Conditions as stated in other sections and deals with the Remittance Facility only. It is governed by separate set of laws different from the other Terms and Conditions

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 foreign currency (i.e. currency which is not INR) from a country outside India to a designated bank account in India after conversion into INR. Fund transfer in INR for the Facility is offered by UAE Exchange in association with the Remitting Bank. UAE Exchange is also responsible for recording remittance requests, order tracking and communication.

UAE Exchange is responsible for acting on the remittance requests, collecting money in foreign currency, 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 foreign exchange sent by You (the remitter).

You should pay the foreign currency as per the instructions stated on the Website by the mode as may be decided by UAE Exchange from time to time. The payment by credit card shall be subject to following additional conditions/restrictions.

1. You will use Your own card. Transactions using any card other than Your own will be treated as third party payment and all such transactions will be rejected.
2. In case of any dispute received by UAE Exchange on the card payment received, UAE Exchange has right to cancel the transaction initiated and/ or recover funds from You or Recipient
3. If UAE Exchange suspects the transaction to be suspicious, UAE Exchange has the right to cancel the transaction initiated by You.
4. UAE Exchange reserves the right to deactivate the Consumer Registry and / or take legal action against Consumers/ Recipient in case it receives chargeback from the credit card transactions.
5. Refunds for cancelled transactions will be initiated only by crediting the card account through which it received the funds from Consumer. Request to transfer funds to another bank accounts or credit instrument will not be entertained.
6. UAE Exchange will not be responsible for delay in credit being reflected in card account for transactions which are cancelled by UAE Exchange or did not complete due to technical issues. Once refunds are processed by UAE Exchange, then You will need to check with Your issuing bank for credit reflection.
7. UAE Exchange reserves the right to limit the number of transactions which can be initiated through a card
8. UAE Exchange will not be responsible for any loss to Consumer arising out of exchange rate fluctuation for refund initiated by UAE Exchange.
9. Once the payment is made by You by card mode, the same cannot be cancelled in any case.
10. UAE Exchange will not be responsible for any charges to Consumer arising out of refunds initiated by UAE Exchange.

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 UAE Exchange 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, UAE Exchange / 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 EUR 20. In the event the insufficiency of funds is learnt by UAE Exchange after the Recipient of the remittance has received the remittance, You will be liable to reimburse UAE Exchange (as applicable) of the amount remitted and any other charges and costs incurred by UAE Exchange and/or the Remitting Bank. You agree to pay such amount immediately upon UAE Exchange's demand. You also agree to pay for all costs associated with the recovery of amounts owed to the Remitting Bank and/or UAE Exchange, including reasonable attorney's fees and court fees. UAE Exchange 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 UAE Exchange and the disbursement is made to the Beneficiary, UAE Exchange 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 UAE Exchange. In such an event, You agree to make good the shortfall/losses (if any) that UAE Exchange may incur. You further agree that a mere demand from UAE Exchange 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 UAE Exchange, including but not limited to NEFT cycles in which UAE Exchange / 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 UAE Exchange, uninterrupted technical support available to UAE Exchange, some unforeseen event beyond the control of UAE Exchange, etc.

While it shall be UAE Exchange's endeavour to adhere to the time schedule indicated by it on the Website, UAE Exchange 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. UAE Exchange 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. UAE Exchange accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country. The mere fact that the Website can be accessed or used or any facility can be availed of in a country other than India would not mean that the laws of such country would be applicable.

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 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 government of Ireland and/or India and/or Reserve Bank of India or laws of the country from where the funds are being remitted and received.

Remitting Bank 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 Banks end. UAE Exchange 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 UAE Exchange'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 UAE Exchange 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.

1. 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" "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 Bank
   
   The word "Payment Account" means the credit card account, debit card account or bank account that You provide to UAE Exchange to charge for payment for Your use of the Remittance Facility. The Payment Account must be issued or held in Your name by a U.S. 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.


2. 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 UAE Exchange services. UAE Exchange and/or the Remitting Bank is only responsible for processing Remittance Payments You request and authorize through the Remittance Facility. UAE Exchange or a Service Provider is responsible for operating the Website and for responding to Consumer service questions regarding the Remittance Facility.


3. 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. UAE Exchange may seek to verify Your registration information but is under no obligation to undertake verification.


4. 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 United Kingdom in order to use the Remittance Facility.
   
   D. 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 TTSPL OR IT'S AFFILIATES. FUNDS HELD WHILE PROCESSING A REMITTANCE PAYMENT REQUEST ARE NOT INSURED BY THE FDIC OR ANY OTHER 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.


5. Authority to Charge Payment Bank Account
   
   By requesting a Remittance Payment through the Remittance Facility, You authorize UAE Exchange to charge Your Payment Bank Account for the amount of the requested Remittance Payment and any service fees. You understand and acknowledge that UAE Exchange has no obligation to process or complete a requested Remittance Payment if UAE Exchange 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 UAE Exchange 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 UAE Exchange has already processed Your Remittance Payment request, You will be responsible to UAE Exchange 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 UAE Exchange immediately upon demand.


6. Reliance by UAE Exchange.
   
   When processing a Remittance Payment, UAE Exchange may rely on the registration information and Remittance Payment request information that You provide to UAE Exchange. Any errors in the information, including misidentification of Beneficiary(s), incorrect or inconsistent bank account names and numbers, or misspellings, are Your responsibility.


7. Execution of a Remittance Payment Request.
   
   UAE Exchange is dependent on the Remitting Bank to execute Your Remittance Payment request. If Your Remittance Payment request is received by UAE Exchange on a day that is not a Business Day of UAE Exchange 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.


8. 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 UAE Exchange 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 UAE Exchange and Supplier a limited power of attorney, and You hereby appoint UAE Exchange 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 UAE EXCHANGE OR SUPPLIER ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY SITES, UAE EXCHANGE 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 UAE Exchange and Supplier any information, data, passwords, materials or other content (collectively, “Content”) You provide through or to the Instant Account Verification Service. UAE Exchange 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, UAE Exchange and Suppliers may use the Content for the purposes set out above. As between UAE Exchange and Suppliers, UAE Exchange 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 UAE Exchange and Supplier to make up to two micro-deposits (less than EUR 1.00) to the external financial account specified by You. You will thereafter verify the amounts deposited to UAE Exchange and Suppliers.
   
   USE OF RESULTS LIMITED. You agree that the results of the Instant Account Verification Service are for use by You and UAE Exchange 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 UAE EXCHANGE 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 UAE EXCHANGE 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 UAE Exchange 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.
9. Payment of Funds to Receiver.
   
   Remitting Bank and/or UAE Exchange -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 UAE Exchange reserves the right to change payment method options. Remitting Bank also reserves right to select form of payment to Beneficiary. Remitting Bank and/or UAE Exchange -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.
   
   UAE Exchange or Remitting Bank reserves the right to establish identification and verification requirements for a Beneficiary to receive the funds from a Remittance Payment. UAE Exchange 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. UAE Exchange 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.


10. 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, UAE Exchange and/or Remitting Bank and/or UAE Exchange -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 UAE Exchange or other intermediary banks, including a service fee for currency conversion.


11. 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 England & Wales, 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 Ireland or the laws of England and Wales, including without limitation, the economic sanctions administered by the Central Bank of Ireland, the HM Treasury and the anti-money laundering laws applicable in England & Wales. You agree that You will provide information that UAE Exchange may request from time to time regarding Your identity or the identity of the Beneficiary in order for UAE Exchange to comply with any applicable laws, including anti-money laundering laws. UAE Exchange may provide information regarding You, the Beneficiary and Your use of the Remittance Facility to government authorities.


12. Rejection of Remittance Payment Request.
    
    UAE Exchange may reject Your request for a Remittance Payment, or impose an EUR limitation on Your Remittance Payment, without cause or prior notice to You. Without limiting the foregoing, UAE Exchange may suspend, delay or reject Your Remittance Payment request: (a) if the EUR value of one or more of Your Remittance Payment requests exceed any transfer limits established for the Remittance Facility; (b) if UAE Exchange 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 UAE Exchange is unable to confirm Your identity or verify any registration or Beneficiary information; or (e) if Remitting Bank and/or UAE Exchange -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.


13. Service Fees and Charges.
    
    You authorize UAE Exchange 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 UAE Exchange designated Service Providers involved in processing a Remittance Payment may charge a currency conversion fee for converting the foreign currency like EUR 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.
    
    You may be subject to fees (including a cash advance fee) under Your agreement with the bank or other financial institution that issues Your credit card or debit card when You use such a card for a Remittance Payment. You should review Your card agreement regarding such potential fees.


14. Delays or Non-Execution of Remittance Payment Request.
    
    You agree that UAE Exchange shall not be responsible for any delay, failure to execute, or mis-execution of Your Remittance Payment request due to circumstances beyond UAE Exchange'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 that UAE Exchange 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. UAE EXCHANGE MAKES NO WARRANTIES, EXPRESS OR IMPLIED WITH RESPECT TO THE REMITTANCE FACILITY.


15. Refund.
    
    If You request the cancellation and refund of a previously requested Remittance Payment, UAE Exchange is under no obligation to process or honour such a request.
    
    Further, if UAE Exchange 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, UAE Exchange would return the funds to the remitter.
    
    In either of the events, where UAE Exchange 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. UAE Exchange shall not be liable to You for any loss resulting from UAE Exchange’s inability to cancel or refund a Remittance Payment. If UAE Exchange 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 UAE Exchange's option.
    
    You can cancel Your transaction for a full refund within 30 minutes of authorizing Your transaction, unless the funds have already been paid out to the Recipient. After 30 minutes, we generally do not provide refunds unless we did not process Your transaction according to Your instructions or we are unable to pay out the transaction. To request a refund, please contact our Call Centre.


16. Limitation of Liability.
    
    UAE Exchange 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 UAE Exchange and/or Remitting Bank's error or negligence, then UAE Exchange'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, UAE EXCHANGE DISCLAIM ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT; UAE EXCHANGE 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 UAE EXCHANGE BE RESPONSIBLE FOR ANY PUNITIVE, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXPENSES ARISING IN CONNECTION WITH A REMITTANCE PAYMENT OR THE REMITTANCE FACILITY. UAE Exchange 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. UAE Exchange is not liable to You for more than the principal amount of Your transaction and the transfer fee, except as otherwise provided by law. UAE Exchange 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). UAE Exchange 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 UAE Exchange 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 UAE Exchange 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 UAE Exchange's liability ever exceed the amount of the Remittance Payment. The foregoing shall constitute UAE Exchange's entire liability and Your exclusive remedy.


17. Indemnity.
    
    In consideration of the agreement by UAE Exchange to provide You with the Remittance Facility, You agree to indemnify and hold UAE Exchange 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) UAE Exchange acting upon Your request for a Remittance Payment pursuant to this Agreement.


18. Arbitration of Disputes.
    
    You understand and agree that UAE Exchange may require any dispute arising from Your use of the Remittance Facility be resolved by binding arbitration. UAE Exchange may designate an arbitrator or arbitration panel located in United Kingdom. Decisions of any arbitration process shall be binding on You.


19. Amendments.
    
    You agree that UAE Exchange reserves the right to change (amend, add to, or delete) the Terms and Conditions of this Agreement. Unless otherwise required by law, UAE Exchange may amend this Agreement without prior notice to You.


20. 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, UAE Exchange 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 UAE Exchange 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, UAE Exchange 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 UAE Exchange with respect the Remittance Payment requested through the Remittance Facility. In the event of a conflict, the official records of UAE Exchange will control over any service messages.


21. Governing Law.
    
    This Agreement (Section) shall be governed by the laws of England and Wales.


22. Use of Information; Privacy Policy.
    
    UAE Exchange may use and disclose to third parties (including to Remitting Bank and/or UAE Exchange-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 UAE Exchange 's rights and for any other purposes permitted by law.


23. 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.

4.1

In order to access and use the Website and avail of any Facility You must be an individual of at-least 18 years of age who can enter into legally binding contracts under applicable law or a corporation, trust, association of persons or firm which can enter into legally binding contracts under applicable law. In case of a corporation, trust, association of persons or a firm, You must be authorised to agree to the Terms and Conditions and to access, use and avail of the Website and the Facilities. If You do not qualify, please do not access or use the Website or the Facility.

4.2

Only Non-Resident Indians, Persons of Indian Origin (collectively, "non-residents") shall access, use and avail of the Website and the Facilities only to the extent the domestic laws of India and such other countries permit them to access, use and avail of the Website and the Facilities.

4.3

ALL OTHER PERSONS NOT COVERED UNDER CLAUSE 4.2 HEREIN ABOVE, SHALL NOT ACCESS AND USE ANY SERVICES AVAILABLE IN THIS WEBSITE AND ITS FACILITIES. ALSO, SUCH OTHER PERSONS UNDERSTAND THAT BY ACCESSING, USING AND AVAILING OF THE WEBSITE AND THE FACILITIES CONTAINED HEREIN, THEY MAY BE VIOLATING THE LOCAL LAWS IN INDIA AND/OR SUCH OTHER COUNTRIES. They further agree that they will be solely and absolutely liable for any liability incurred by them in this regard and UAE Exchange shall not be held liable in such cases. They also agree to indemnify UAE Exchange against any loss, third party claims, or liability incurred or may be incurred by UAE Exchange in this regard.

5.1

Only limited access to the Website is available to non-registered Visitors. Non-registered Visitors may not be permitted to avail of the Facilities. In order to obtain increased access to the Website and in order to avail of the Facilities You are required to register on the Website as a Registered User. The Registered User hereby acknowledges and agrees that he/she shall not register multiple times under the same or different names or in the name of another party without their authorisation on the Website for availing the Facility. Registered User with more than one registration may be denied Facilities and his/her registration may be terminated at the sole discretion of UAE Exchange.

5.2

You agree -

1. to provide true, accurate, current and complete information about yourself as prompted by the registration form on the Website, and
2. 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 UAE Exchange for any losses caused to UAE Exchange due to any information provided by You to UAE Exchange being untrue, inaccurate, not current or incomplete in any respect, and UAE Exchange shall not be responsible for any losses sustained by You due to any information provided by You to UAE Exchange being untrue, inaccurate, not current or incomplete in any respect. If any information provided by You is untrue, inaccurate, not current or incomplete, UAE Exchange has the right to terminate Your registration and refuse You access to or use of the Website or any Facilities.

5.3

Subject to the other Terms and Conditions, upon registration as a Registered User, the Website will register Your Registered User ID and Registered User Password;  

5.4

You will be solely and absolutely responsible for maintaining the secrecy and confidentiality of all Your IDs and Passwords (which term includes T -PINs) and You will be fully and absolutely responsible and liable for all transactions and activities that occur under Your ID and Password including any unauthorised use or misuse of Your ID and/or Password. You will be responsible and liable if any third party gains access to the Website or any Facility through the use of Your ID or Password, and You hereby agree to indemnify UAE Exchange and hold UAE Exchange harmless against any liability, costs, damages, claims, suits and proceedings based upon or relating to such unauthorised access and use. Without prejudice to the aforesaid, You agree to-

1. immediately notify UAE Exchange 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
2. ensure that you logout at the end of each session.

5.5

Any transaction or activity pursuant to use of Your ID or Password shall be deemed to be Your transaction or activity and UAE Exchange shall have no obligation to verify the authenticity of any such transaction or activity. UAE Exchange shall not be responsible for any mistake or error made by You in keying in the transaction or activity as to the nature of the transaction / activity, with respect to any facts or figures or otherwise.

5.6

If You forget Your ID, You can send a written request to UAE Exchange at the address provided on the Website giving Your date of birth and transaction details satisfactory to UAE Exchange. On UAE Exchange being satisfied of Your identity (which satisfaction shall be entirely at the discretion of UAE Exchange), UAE Exchange shall send the ID to Your e-mail address registered with UAE Exchange. You shall be responsible for continuing to maintain this e-mail address. UAE Exchange shall not be liable if it declines to furnish the ID by reason of it not being satisfied as to Your identity.

5.7

If You forget Your Password, You can send an e-mail (or such other message as UAE Exchange may specify) to UAE Exchange at the address provided on the Website giving Your ID and date of birth and such other information, if any, as UAE Exchange may require. On UAE Exchange being satisfied of Your identity (which satisfaction shall be entirely at the discretion of UAE Exchange), UAE Exchange shall send the Password to Your e-mail address registered with UAE Exchange. You shall be responsible for continuing to maintain this e-mail address. UAE Exchange shall not be liable if it declines to furnish the Password by reason of it not being satisfied as to Your identity.

5.8

If You forget Your Password, UAE Exchange may, subject to verification and satisfaction as stated above, instead of sending You Your Password, generate a new Password for You which shall be communicated to You at the e-mail address provided by You. For Your security reasons You must change this Password as soon as it is received by You, and until then this Password shall be deemed to be Your Password and You will be responsible and liable for all transactions pursuant thereto. Upon generation of the new Password, UAE Exchange shall discontinue the use of the old Password. However, You shall be responsible and liable for all transactions that are carried out by the use of the old Password, till the time of discontinuation of the old ID or Password.

5.9

Notwithstanding anything stated elsewhere in the Terms and Conditions, and despite correct use of Your ID and Password, UAE Exchange shall be entitled in its sole discretion (but shall not be bound) to seek offline and/or additional written or other confirmation from You of any instruction, transaction or activity as UAE Exchange may deem fit.

5.10

UAE Exchange shall have the right to require You to communicate instructions and authorise and execute transactions and other activities by means of secure electronic records and secure digital signatures in addition to, or in place of, the use of Password(s).

6.1

You shall not -

6.2

If the Website contains bulletin boards, chat rooms, access to mailing lists or other message or communication facilities (collectively, "Forums"), You agree to use the Forums only to send and receive messages and material that are proper and related to the particular Forum.

6.3

You shall use any software provided on, by or through the Website only for the purposes for which it has been provided to You and for no other purpose.

6.4

It is hereby clearly specified that this Agreement is between UAE Exchange and Remitter and Beneficiary shall not have any right whatsoever against UAE Exchange. UAE Exchange will communicate with the Remitter and shall not be liable to revert to any query of the Beneficiary. The Remitter hereby agrees to keep UAE Exchange indemnified and harmless against any action of the Beneficiary against UAE Exchange.

7.1

You agrees that UAE Exchange and / or UAE Exchange’s Affiliates might, at times, contact him/ her/ Beneficiary either through phone, email or other means of communication with the intention of explaining benefits of, or working of, or promotions currently running on the various products and services provided by UAE Exchange. You have an option to opt out of receiving electronic communications related to promotions from us. We will try to comply with Your request(s) as soon as reasonably practicable. Please note that if You opt-out of receiving promotion related emails, we may still send You important administrative messages that are required to provide You with the services.

7.2

UAE Exchange shall not be under any duty to assess any instruction or transaction given or entered into by You on and/or throughout the Website for any prudence or propriety or otherwise.

7.3

UAE Exchange shall be entitled, in its sole and absolute discretion, to refuse to comply with all or any of Your instructions without assigning any reason.

7.4

You cannot cancel any instructions once provided, save and except as specifically detailed on the Website. Additionally, when You place a request to cancel an instruction or a transaction that has been authorised by You, such cancellation is not guaranteed by UAE Exchange. Such instruction or transaction will only be cancelled if Your request for cancellation is received and acted upon before the instruction or transaction has been executed.

7.5

UAE Exchange and its designated Service Provider shall have the right to verify any information provided by You and in cases where You need to specifically authorize UAE Exchange and its designated Service Provider to verify any information, You hereby authorise UAE Exchange and the designated Service Provider to verify any such information provided by You.

7.6

UAE Exchange shall endeavour to take reasonable measures, which may include encryption, to ensure that Your personal information is not disclosed to any person except to UAE Exchange, Remitting Bank, designated Service Providers, and/or other persons to whom the information may be provided as per UAE Exchange’s Privacy Policy and other persons specified by You. However, the Internet is an open system and UAE Exchange cannot, and does not, guarantee that the personal information which You furnish will not be intercepted and/or decrypted and/or accessed by others. UAE Exchange, the Remitting Bank and designated Service Providers shall not be liable or responsible should any confidential or other information provided by or pertaining to You (included credit card numbers, bank account numbers, Passwords, personal identification numbers, IDs, transaction details, etc.) be intercepted and/or subsequently used by such third parties. UAE Exchange is required to comply with applicable data protection, privacy and record keeping requirements and accordingly the Consumer information is required to be maintained for 5 years.

7.7

REWARD POINTS: Any scheme for awarding or securing reward points or other rewards or prizes (by whatever name called) is available only to persons who are eligible for the same under the rules of the concerned scheme and the applicable laws of India and other concerned jurisdictions. You are therefore required to verify that You are eligible before participating in any such scheme. UAE Exchange is not responsible or liable for the performance, quality or any other aspect of any rewards, prizes or items manufactured or supplied by third parties against any redemption of the points or otherwise pursuant to such scheme, and Your recourse for the same will be only against the persons who have manufactured or supplied the same. Eligibility of Rewards points, awarded as per the applicable policies, is exclusive. This cannot be clubbed with any existing offer, unless otherwise specified explicitly. Redemption of reward points for free transactions are subject to special conditions which may vary on the mode of remittance other factors, if any.

7.8

For corporate class Consumers, the Remittance charges shall be as per the agreement between the concerned corporate and UAE Exchange.

7.9

You agree that we may use Personal information provided by You in order to conduct KYC and appropriate anti-fraud checks using the data available with credit reference agencies and other institutions. Personal Information that You provide may be disclosed to a credit reference or fraud prevention agency, which may keep a record of that information.

7.10

Consumer shall be allowed to remit money for the following purpose (i) Family Maintenance (ii) Gifting and (iii) Credit to Non Resident Rupee /Non Resident Ordinary Rupee bank accounts and such other purposes that may be allowed as per applicable law (including purposes permitted by the Reserve Bank of India) ["Permitted Purposes"] or any other purpose as may be available on the Website Consumer shall be able to initiate remittances only through their personal bank account and shall be able to remit money only to personal bank account of Beneficiary. No credits to corporate bank accounts shall be permitted and UAE Exchange shall have a right to refuse to process any such transaction without any liability and Consumer shall be liable for on charged arising due to such transaction.

8.1

UAE EXCHANGE OPERATES AND OFFERS THE WEBSITE STRICTLY ON A NO-LIABILITY BASIS AND UNDER NO CIRCUMSTANCES SHALL UAE EXCHANGE BE LIABLE FOR ANY DAMAGES WHATSOEVER WHETHER SUCH DAMAGES ARE DIRECT, INDIRECT, INCIDENTAL CONSEQUENTIAL AND IRRESPECTIVE OF WHETHER ANY CLAIM IS BASED ON LOSS OF REVENUE, INVESTMENT, PRODUCTION, GOODWILL, PROFIT, INTERRUPTION OF BUSINESS OR ANY OTHER LOSS OF ANY CHARACTER OR NATURE WHATSOEVER AND WHETHER SUSTAINED BY YOU OR ANY OTHER PERSON.

8.2

Access and use of the Website and the Facilities is entirely at Your own risk. The Website, including any content or information on it, any related or linked site and all Facilities, products and services displayed, provided, availed of, licensed or purchased on, through or via the Website are provided "as is," without any representation or warranty of any kind, either express or implied, including without limitation, any representation or warranty for accuracy, continuity, uninterrupted access, timeliness, sequence, quality, performance, fitness for any particular purpose or completeness. Specifically, UAE Exchange disclaims any and all warranties including, but not limited to - 

1. any warranties concerning the availability, accuracy, usefulness, or correctness, currency or completeness of information, Facilities, products or services and


2. 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.

UAE Exchange 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 UAE Exchange. UAE Exchange does not, in any way, certify or warrant the performance, operation, content or availability of the Website or such other websites. Although UAE Exchange 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. UAE Exchange 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.

8.3

This disclaimer of liability applies also to any damage or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortuous behaviour, negligence, or under any other cause of action.

8.4

The information and views contained herein are based on information available and believed to be correct to the best of our knowledge. Although due care has been exercised to verify the accuracy of the information, neither UAE Exchange nor its information suppliers assume responsibility for the accuracy or for any loss arising out of any information contained herein. This is neither a solicitation to invest in any product nor to avail of a particular service.

8.5

UAE Exchange does not warrant or make any representations regarding the use or the results of the use of any product, service and /or Facility in terms of its compatibility, correctness, accuracy, reliability or otherwise. You assume total responsibility and risk for Your access and use of the Website, all site-related services and all Facilities, products and services mentioned or advertised on or accessed or availed on or through the Website.

8.6

You acknowledge that any warranty that is provided in connection with any of the Facilities, products or services described on the Website are provided solely by the owner, advertiser, manufacturer, provider or supplier of that Facility, product or service, and not by UAE Exchange or the Website (except where UAE Exchange is expressly stated to be owner, advertiser, manufacturer, provider and supplier thereof).

8.7

UAE Exchange shall not be liable to You or any other third party for any direct, indirect, incidental, special, exemplary, punitive, consequential or other damages (including without limitation loss of profits, loss or corruption of data, loss of goodwill, work stoppage, computer failure or malfunction, or interruption of business) under any contract, negligence, strict liability or other law or theory arising out of or in connection with the Website, or any Facilities, products or services mentioned or advertised on or accessed or availed on or through the Website or any contract or transaction entered into or executed in pursuance thereof (however arising, including negligence) or resulting from the use of or inability to use, access or avail of the Website, any Facility, service or product or out of any breach of any warranty.

8.8

If any disclaimers or limitation of liability in the Terms and Conditions are held to be unenforceable, the maximum liability of UAE Exchange (or the Remitting Bank or the designated Service Provider, as the case may be) to You shall not exceed the amount of fees paid by You for the Facilities, products or services that You have ordered or availed of on or through the Website.

8.9

Delays in the Transactions and Non-Liability for Damages

While UAE Exchange shall endeavour that Your instructions and Your transactions pursuant to Facilities provided by UAE Exchange are communicated, carried out and/or performed promptly, UAE Exchange does not guarantee that any instructions will definitely be communicated or carried out or that any transactions will definitely be performed; and UAE Exchange 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 UAE Exchange.

8.10

UAE Exchange shall not be responsible for Your inability to access the Website or any use or misuse of the Website.

8.11

Any search results displayed by or on the Website are automated and cannot be screened. Accordingly, UAE Exchange assumes no responsibility for the accuracy or otherwise of any search results or of the content of any site included in the search results or otherwise linked to the Website.

8.12

UAE Exchange shall not be responsible for any unauthorised interception of e-mail to or from You or UAE Exchange. or any other Service Provider

8.13

To the extent possible, the disclaimers, limitations on liability and indemnities available to UAE Exchange under the Terms and Conditions shall mutatis mutandis extend and be available also to the Remitting Bank and designated Service Providers and its / their respective directors, officers, employees, agents, successors, assigns, consultants, sponsors, affiliates, content providers and everyone involved in creating, producing, delivering or managing the Website (or any part thereof) or any Facility. However, this clause shall not protect the aforesaid Persons or extend to their obligations and liability to UAE Exchange or UAE Exchange's claims against them.

8.14

A possibility exists that the Website could include inaccuracies or errors. Additionally, a possibility exists that unauthorised additions, deletions or alterations could be made by third parties to the Website. Although, UAE Exchange and its designated Service Providers attempt to ensure the integrity of the Website, they make no guarantee whatsoever as to its sequence, timeliness, completeness, correctness or accuracy. In the event that such an inaccuracy or incompleteness arises, please inform UAE Exchange so that it can be corrected.

8.15

Links from the Website -

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 UAE Exchange and UAE Exchange assumes no responsibility whatsoever for such other websites whether as to content, availability, performance or otherwise. UAE Exchange also does not represent or warrant that these links shall operate satisfactorily. UAE Exchange provides these links only as a convenience and links to external websites do not constitute an endorsement by UAE Exchange of such other sites, the sponsors of such sites or the content, products, advertising or other materials presented on or by such sites. UAE Exchange 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. 

8.16

Kindly check the Website or contact Your Relationship Manager to get You the indicative rates at the time of booking the remittance. Find below charges for various counties:

9.1

UAE Exchange offers its Facilities strictly on a no liability basis. Accordingly, while UAE Exchange shall endeavour to offer such Facilities as per their terms, no claim shall lie against UAE Exchange, and UAE Exchange shall not be liable to You or to any Person, in the event of non-provision of any Facility or delay or omission to do any act pursuant to any Facility provided by UAE Exchange or on any other registration whatsoever. You should avail of Facilities provided by UAE Exchange only if You agree to the above.

9.2

In order to avail of specific Facilities, You may have to agree to other terms and conditions in addition to the Terms and Conditions and may also have to execute agreements, powers of attorney and other writings and abide by the specified procedures.

9.3

If You wish to avail of a Facility, You may be asked by UAE Exchange to supply certain information, including but not limited to bank account, credit or debit card or other payment mechanism information. You agree that all information You provide to UAE Exchange will be Your information only and it will be accurate, complete and current.

9.4

UAE Exchange offering any Facility, service or product sets its own prices and terms and may change prices or terms or institute new prices or terms at any time. Prices and availability of Facilities displayed or offered on or through the Website are subject to change without prior notice. Nothing contained in this Website constitutes an offer, promise or commitment to grant or provide any Facility on any specific terms or otherwise and the sanction or grant of any Facility is not guaranteed and is in the absolute discretion of UAE Exchange (as the case may be). While UAE Exchange endeavours to post accurate and updated information on the Website, You verify the same before taking any action or entering into any transaction. UAE Exchange will not be liable for any lack of availability of any Facilities You may order or seek to avail of through the Website.

9.5

The records of access, instructions, transactions and other activities maintained or caused to be maintained by UAE Exchange through its or a third party's computer systems or on tape or other recording or storage device or otherwise shall be admissible in evidence, shall not be challenged by You and shall be accepted as genuine, accurate, conclusive and binding for all purposes including the recording of the time thereof. You agree to pay all charges incurred by users of Your ID and Password and credit card or other payment mechanism at the prices in effect when such charges are incurred. You also will be responsible for paying any applicable taxes, and shipping/transportation and handling charges relating to purchases through the Website.

9.6

Facilities are offered only to persons in Ireland. By offering Facilities on this Website, UAE Exchange is not attempting to offer or provide facilities outside Ireland. It is Your responsibility to ensure that Your use of this Website and the facilities is legal in Your jurisdiction.

9.7

UAE Exchange shall endeavour to ensure that all information that is provided on the Website with respect to the Facilities, products and services that are offered by the suppliers and the customised news are accurate and up to date. However, UAE Exchange does not guarantee the timeliness, accuracy, completeness, reliability or content of the information and any changes that are made with respect to the same.

9.8

In the case of joint bank accounts which are held by You along with one or more others, each bank account holder may not be authorised to act independently. For the joint bank accounts, You must be the first joint bank account holder and the Consumer ID and the Consumer Password may be issued only to You. The other joint bank account holders shall be deemed to have given his/her/their consent to such arrangement. All correspondence will be addressed to You as the first joint bank account holder only. All the Terms and Conditions and all transactions arising in the joint bank accounts from the use of any Facility shall be binding on all the joint bank account holders, jointly and severally.

9.9

UAE Exchange shall endeavour to carry out the requests received under the Facilities. However, UAE Exchange shall be entitled, in its sole and absolute discretion, to refuse to comply with all or any of a Consumer's instructions or requests without assigning any reason.

9.10

UAE Exchange shall endeavour to offer the Facilities on the Website. However all the Facilities or all the various components / features of a Facility may not be offered. The Facilities and components / features of a Facility may be introduced in a phased manner.

Alerts

UAE Exchange 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 UAE Exchange nor the Service Providers would be responsible or liable for non-dispatch or delay in dispatch of the Alerts by UAE Exchange and/or the Service Providers or any delay in receipt or on-receipt of the Alerts for any reason whatsoever. Under no circumstances shall UAE Exchange 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 UAE Exchange which would have been payable in the event of proper receipt of the Alerts.

Customised News

Customised News means information in the areas of politics, sports, finance, etc. which may be provided or procured to be provided by UAE Exchange 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 UAE Exchange from third party service providers and may be transmitted by UAE Exchange to You without verification. UAE Exchange 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 UAE Exchange responsible or liable if any information is inaccurate, outdated, or incomplete.

16.1

Termination by Moneydart /Website

You acknowledge and agree that UAE Exchange 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 UAE Exchange in its sole discretion believes violate any of the Terms and Conditions, violate the rights of UAE Exchange, or is otherwise inappropriate for continued access, or if UAE Exchange 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 UAE Exchange) or for any other reason which UAE Exchange thinks fit and proper.

16.2

You acknowledge and agree that UAE Exchange may in its sole discretion deny You access through UAE Exchange to any materials stored on the Internet, or to access third party services, Facilities, merchandise or information on the Internet through the Website, and UAE Exchange shall have no responsibility to notify You or third-party providers of Facilities, services, merchandise or information nor any responsibility for any consequences resulting from lack of notification.

16.3

Termination by You

You may request for termination of this Facility at any time by giving a written notice of at least 15 days to UAE Exchange. The termination shall take effect on the completion of the fifteenth day from the date of receipt of the notice by UAE Exchange. 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.

17.1

The Website, the Terms and Conditions, all transactions entered into on or through the Website and the relationship between You and UAE Exchange shall be governed by and construed in accordance with laws of England & Wales.

17.2

Transactions shall be subject to all applicable laws including notifications, rules, bye-laws, regulations, procedures and guidelines issued by the Government and other relevant regulatory authorities

17.3

You and UAE Exchange agree that all claims, differences and disputes arising under or in connection with or pursuant to the Website, the Terms and Conditions, any transactions entered into on or through the Website or the relationship between You and UAE Exchange shall be subject to the exclusive jurisdiction of the competent courts located in England and You hereby accede to and accept the jurisdiction of such courts. Provided that, notwithstanding what is stated above, if UAE Exchange so thinks fit UAE Exchange may institute proceedings against You in any other court or tribunal , as deemed fit by UAE Exchange on account of having jurisdiction.

17.4

Subject to the other Terms and Conditions and applicable law, the Website and the Facilities are offered both to residents of India and to non-residents. Provided however, that the Facilities are not available to foreign nationals including non-resident Indians ("NRI's") in foreign jurisdictions where the Website or Facilities cannot be offered without prior legal or regulatory compliance. It shall be the sole responsibility of foreign residents including NRIs in foreign jurisdictions to verify whether the Website and the Facilities can be accessed and utilised in their respective jurisdictions. The Facilities do not constitute an offer or a solicitation of an offer to sell, buy, provide or procure any shares, securities or other instruments, products or services to or from any person in any jurisdiction where it is unlawful to make such an offer or solicitation. The Website and/or Facilities or services which are part of the Facility are not intended to be in any form of an investment advertisement, investment guidance or investment information and has not been registered under any securities law of any jurisdiction, Indian or foreign, and is only for the information of any person in any jurisdiction where it may be lawful to offer such a service. Further, no information on the Website is to be construed as a representation with respect to shares, securities or other investments, regarding the legality of an investment therein under the respective applicable investment or similar laws or the laws or regulations of any person or entity accessing this Website.

21.1

UAE Exchange may give notice to You by e-mail, letter, telephone or any other means as UAE Exchange may deem fit to the address last provided by You. Notices under the Terms and Conditions may be given to UAE Exchange by You in writing by delivering them by hand or by sending them by post to UAE Exchange's address mentioned on the Website. UAE Exchange may, but shall not be bound to, act upon notices and instructions given by You to UAE Exchange by e-mail, letter, telephone or any other means as UAE Exchange may deem fit. UAE Exchange shall not be responsible if the electronic communication is 'bounced back'. You agree that in such condition it shall still be considered a valid notice.

21.2

In addition, UAE Exchange may (but shall not be bound to) also publish notices of general nature, which are applicable to all Visitors, Registered Users or Consumers in a newspaper circulating in India or on its Website. Such notices will have the same effect as a notice served individually to each Visitor, Registered User or Consumer (including You).

21.3

Documents which may be sent by electronic communication between the parties may be in the form of an electronic mail, an electronic mail attachment, or in the form of an available download from the Website UAE Exchange shall be deemed to have duly communicated and delivered any communication or document to You if such communication or document is sent via electronic mail (e-mail) to the e-mail address provided by You to UAE Exchange. UAE Exchange shall also be entitled to act on the basis of any instructions received or purported to be received by UAE Exchange from You by e-mail or other electronic means or via the internet. UAE Exchange shall also be entitled (but not bound) to act upon fax instructions and communications

22.1

The clause headings in the Terms and Conditions are only for convenience and do not affect the meaning of any provision and shall not be taken into account in interpreting or limiting the scope of the provisions of the Terms and the Conditions.

22.2

UAE Exchange may sub-contract or employ agents to carry out any functions or services relating to the Website or any of its obligations under the Terms and Conditions.

22.3

UAE Exchange may from time to time send by e-mail or otherwise or notify by calling, information relating to products and services offered by it or its Alliance Partners or any other entities, the Facilities, general information related to financial and other services, advertisements of various products and services etc. to You. By accepting the Terms and Conditions, You hereby authorize UAE Exchange to contact You by calling/ by email/ or by any other means for any of the aforesaid purpose. The acceptance of the same shall bind You till You are the Consumer of UAE Exchange, unless You express Your intent to discontinue from receiving such communication.

22.4

You must at Your own cost: (a) provide for Your own access to the World Wide Web and pay any service fees, telephone charges and online service usage associated with such access, and (b) provide all equipment necessary for You to make such connection to the World Wide Web, including a computer and modem.

22.5

The content presented at the Website may vary depending upon Your browser limitations.

22.6

We do not entertain/solicit donations to Tirumala Tirupati Devasthanams or any other kind of grants/contributions and donations solicited to any temples/trusts/or any charity Institutions.

Conditions for Instant Transfers

1.

Our primary objective is to provide faster money to your receiver in India. However, this shall be subject to local clearing/bank availability and your transaction successfully meeting the compliance policies and procedures of our remittance facility.

2.

If the Rupee amount to be received by the receiver is less than or equal to Rs. 2 lacs, we shall use IMPS services to deliver the money. For amounts higher than 2 lacs, we shall use NEFT/RTGS services. IMPS services are available 24x7 subject to recipient bank being operational for foreign inward remittances. For NEFT/RTGS services we shall make best effort for the funds to be credited to the recipient bank account on the same day except on bank holidays. In case of bank holidays, the funds shall be made available on the next business day.

3.

Please see below the latest list of banks which are enabled to receive foreign inward remittances through IMPS.

a) ANDHRA BANK
b) BANK OF BARODA
c) BANK OF MAHARASHTRA
d) BARCLAYS BANK
e) CANARA BANK
f) CATHOLIC SYRIAN BANK LTD
g) CENTRAL BANK OF INDIA
h) CITY UNION BANK LTD.
i) DENA BANK
j) FEDERAL BANK
k) HDFC BANK
l) ICICI BANK LTD
m) INDIAN BANK
n) INDIAN OVERSEAS BANK
o) KARNATAKA BANK LTD
p) KARUR VYSYA BANK LTD
q) KOTAK MAHINDRA BANK LTD
r) PUNJAB NATIONAL BANK
s) PAYTM PAYMENTS BANK LTD
t) SOUTH INDIAN BANK
u) STATE BANK OF INDIA
v) SYNDICATE BANK
w) TAMILNAD MERCANTILE BANK LIMITED
x) UCO BANK
y) UNION BANK OF INDIA

4.

Terms and conditions appearing anywhere on the Website, including at the time of registration, bank account addition and transaction booking shall also be applicable and deemed to be accepted in addition to these terms and conditions.

23.1

From time to time, UAE Exchange may run special offers and promotions at its sole discretion. Consumers can avail of the same subject to any applicable Terms and Conditions including the following:

23.2

Scope: UAE Exchange will decide on the geographies and/or currencies for which the offer is valid.

23.3

Tenure: The tenure of the offer would be for a limited period and the same would be at the sole discretion of UAE Exchange.

23.4

Multiple Offers: If, at any point of time, there is more than one offer running at a time, only one can be availed of.

23.5

Reward Points: Consumers would not be entitled to reward points while availing of any of the offers.

23.6

Additional Terms: Some offers may include additional terms specific to the offer. The same would be available in the Additional Terms section.

23.7

Prizes hereunder are not transferable. In no event, the prizes can be exchanged for their value in cash.

23.8

If the prize/gift(s) remain unclaimed or the winner has not confirmed his/her shipping address for a period of 30 days after the announcement of the results, the prize/gift(s) shall stand cancelled and forfeited and thereafter the winners shall not be eligible to claim the prize/gift(s).

23.9

The conditions stated in these Terms and Conditions are in addition to the other terms and conditions stated elsewhere in the Website. In particular, and without prejudice to the above, these Terms and Conditions are in addition to the terms, conditions, procedures and agreements applicable in respect of each Facility which are stated at the appropriate places in respect of each Facility or in the agreements to be entered into between UAE Exchange and You / the concerned parties in respect of each Facility.

Terms and Conditions for Ireland - Bharat Army Selfie Contest:

1)

The Offer will last from 27th June 2018 00:00 hours IST to 6th July 2018 24:00 hrs IST.

2)

Winners will be announced by 16th July 2018 on Remit2India Facebook, Twitter and Instagram page i.e. Remit2India Social Pages.

3)

The printed digitally signed miniature bats will be sent by 1st week of August 2018.

4)

Only authentic selfie images will be accepted.

5)

Images need to be necessarily posted on official Remit2India Social Pages in order to be counted as an entry.

6)

Image should not be hazy, blurred or dark.

7)

Any slanderous, derogatory or abusive posts would be automatically deleted from the page without prior intimation. Remit2India also reserves the right to report these posts to the relevant authority, if required.

8)

The winners will be decided basis the maximum number of 'Likes' received on the image. In case of multiple images having an equal number of 'Likes', the winner would be chosen by the Remit2India team.

9)

Any attempt to engineer fake 'Likes' would automatically disqualify the person.

10)

In case of any discrepancy, the final decision would rest with the Remit2India team.

11)

Employees of TimesofMoney/Nyuvo/UAE Exchange and their friends & family cannot participate in the contest.

12)

The names and photographs of the winners will be posted on the Remit2India social pages, website and other mediums.

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 EUR 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

Redemption Process:

• 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 Ireland to India using Remit2India
• Gift voucher is provided by Swych, a third party service provider
• It is mandatory for the customers to enter their Ireland mobile number on the Swych interface
• For any assistance, customers can contact Swych customer care by sending an email to support@goswych.com