Terms & Conditions

1.1
TOM Technology Services Private Limited ("TTSPL") is a limited liability company incorporated in India under the Companies Act, 1956.TTSPL presently has its registered office at Level 4, B wing, Reliable Tech Park, Thane Belapur Road, Airoli, Navi Mumbai- 400708, India. TTSPL owns and maintains the Website and 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") 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.
1.2
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 and the Privacy Policy 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.
1.3
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.
1.4
TTSPL may in its discretion modify, alter, add to or delete the Terms and Conditions from time to time without any prior notice. It is your responsibility to ensure that periodically on every occasion that you access or use the Website or any Facility, product or service displayed or offered on the Website that you return to this page and review the Terms and Conditions for any alterations, additions or deletions. Unless otherwise specified by TTSPL all modifications, alterations, additions and deletions shall take effect automatically and be binding on and from the day they are posted on the Site. 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 deletions).

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 TTSPL to you from time to time

"Alliance Partner"means any Person, other than TTSPL, with whom TTSPL has relationship as Alliance Partner.

"Call Centre" means the call center which may be set up by TTSPL 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 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, not being an Alliance Partner, who provides a service to TTSPL in order to enable TTSPL to operate and/or maintain the Website, provide any feature on the Website or provide any Facility which is provided by TTSPL.

    "T-PIN" is an abbreviation for Personal Identification Number, and means a password which may be allotted by TTSPL to a Consumer to enable him to perform such activities as TTSPL may permit over the telephone through the Call Centre or otherwise e.g. give instructions, enter into transactions, inquire about the registration status, approve bill payments.

    "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.

    "TTSPL's Affiliates" means any other body corporate which controls, is controlled by, or is under common control with, TTSPL. In this definition "control" means the direct or indirect control of 10% or more of the ownership, voting rights or equity capital of the concerned entity.

    "Visitor" means any person who accesses or visits the Website, whether or not such person has registered himself as a Registered User. The term "Visitor" includes every Registered User and Consumer.

    "the Website"means the Website presently maintained by TTSPL atwww.timesofmoney.com, 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.

    "Bank" 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 Bank for Bank 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. Interpretation of the Terms and Conditions, unless repugnant to the context or meaning thereof,Â

    "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 but does not complete the transaction for any reason. Here, his details are successfully saved in the tab "Pending Transaction" where the Consumer can return to this tab whenever he wants to complete the transaction and he will not be required to fill the details again. 

    "Multiple Transactions" Means 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, 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 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" Overview enables the user to view the history of his transactions, including the status for pending and completed transactions.

    "Transaction Tracker" Transaction tracker is a tool that helps the user to track and monitor the status of the Transaction enabling him to approximate when the transaction would be completed.

    "Messages" Messages are a tab where the user is made aware of the active offers and promos that are running on the website.

    "Perks"It is a facility where the user gets the details of the benefits and offers.

    "Scheduled Payments" Scheduled payments is a tool which helps the user to save a transaction which he might want to do at a later date, it enables him to save the details and schedule the transaction by providing a date that he wants to do the transaction.
    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 the Alliance Partners and / or by TTSPL on a no-liability and no-obligation basis as regards TTSPL. Information and Facilities on the Website may be displayed and offered in a phased manner at the discretion of TTSPL and/ or any Alliance Partner. From time to time and in its discretion, TTSPL or any Alliance Partner 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 without any prior notice.
    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

    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 relevant regulatory approvals, terms and conditions imposed while granting the necessary approvals and other terms of this Facility, this Facility (remit2india Facility), on it being made available, enables you to remit or send foreign currency (i.e. currency which is not Indian currency) from a country outside India to a bank account in India after conversion into Indian Rupees. Remit2india Facility is a technology platform for a facility which enables remitting funds from outside India into India. Fund transfer for the facility is offered by Axis Bank, Karnataka Bank or any other bank which is the remitting bank (Bank), in association with TTSPL. TTSPL only provides the technology platform for recording remittance requests, order tracking and communication.

    The Bank 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 is 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). The Bank will be responsible for the conversion to INR, and will apply the foreign exchange conversion rates prevailing on the day of conversion, or other rates as per its discretion.

    You should pay the foreign currency as per the instructions stated on the Website by cheque or draft or such other acceptable mode. The payment by credit card shall be subject to following additional conditions/restrictions.

    1. You will use your own credit card. Transaction with Credit card of friends/ Relatives may be cancelled at TTSPL discretion
    2. In case of any Dispute received by TTSPL on the credit card payment received, TTSPL has right to cancel the transaction initiated and/ or recover funds from you or recipient
    3. If TTSPL suspects the transaction to be suspicious, TTSPL has the right to cancel the transaction initiated by you.
    4. TTSPL reserves the right to deactivate the Consumer Registry and / or take legal action against Consumers/ recipient in case it receive chargeback from the credit card transactions.
    5. Refunds for cancelled transactions, will be initiated only by crediting the credit 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. TTSPL will not be responsible for delay in credit being reflected in credit card account for transactions which are cancelled by TTSPL or did not complete due to technical issues. Once refunds are processed by TTSPL, then you will need to check with your issuing bank for credit reflection.
    7. TTSPL reserves the right to limit the number of transactions which can be initiated through a credit card
    8. TTSPL will not be responsible for any loss to Consumer arising out of exchange rate fluctuation for refund initiated by TTSPL.
    9. Once the payment is made by you by Credit Card Mode, the same cannot be cancelled in any case.
    10. TTSPL will not be responsible for any charges to Consumer arising out of refunds initiated by TTSPL.

    The Bank will remit of the funds into 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 money will be transmitted by the Bank to the bank account in India designated by you. If it comes to the notice of TTSPL or the Bank 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, TTSPL / the Bank may cancel the requested remittance transaction and you the Consumer shall bear full liability and responsibility for the same. In addition thereto, you will bear a nominal charge of USD 20. In the event the above is learnt by TTSPL or the Bank after the recipient of the remittance has encashed the DD or otherwise received the remittance, you the Consumer will be liable to reimburse the Bank of the amount remitted and any other charges and costs incurred by TTSPL and/or the Bank. You agree to pay to the Bank such amount immediately upon the Bank's or TTSPL's demand along with interest @ 2% per month from the date of the remittance by the Bank till the receipt of funds by the Bank from you. You also agree to pay for all costs associated with the recovery of amounts owed to the Bank, including reasonable attorney's fees and court fees. TTSPL and the Bank shall also be entitled to inform any credit bureau or any other person or entity if you fail to pay/reimburse such amount or any part thereof to the Bank.

    In case funds are not received by TTSPL and the disbursement is made to the Beneficiary, TTSPL shall have every right of recovering those funds along with charges from the consumer. By initiating a transaction under this 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 TTSPL. In such an event, you agree to make good the shortfall/losses (if any) that TTSPL may incur. You further agree that a mere demand from TTSPL 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 account on a best efforts basis, and such remittance shall be dependent on other factors beyond the control of TTSPL, including but not limited to NEFT cycles in which TTSPL 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 TTSPL, uninterrupted technical support available to TTSPL, some unforeseen event beyond the control of TTSPL, etc.

    While it shall be the Bank's endeavor to adhere to the time schedule indicated by it on the Website, TTSPL or the 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, this Facility does not, in any way, solicit or encourage you to enter into any such transaction. TTSPL or the Bank shall not, under any circumstances, be responsible for any loss suffered due to any fraud or other actions of the Consumer. Further, this 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. TTSPL accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country other than that of India. 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 through Remit2India shall not be towards the purpose of External Commercial Borrowings (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 specified by Reserve Bank of India.

    1. Family Maintenance - Money sent to your immediate family members back home for their day-to-day living expenses. 2. Credit to NRO / NRE bank accounts - The Consumer can credit his or her own NRO / NRE bank account by way of such transfers.

    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.
    In the event the person to whom the funds are remitted requires a Foreign Inward Remittance Certificate, or the funds are for any reason required to be redirected to another bank account / location, or any other additional service is required, the Bank shall levy additional charges and remit the amount after deducting such additional charges. TTSPL may recover an all inclusive fee of Rs. 300/- in getting such changes made. TTSPL reserves the right to waive this fee of Rs. 300/- at its own discretion. Any such request for a Foreign Inward Remittance Certificate or the return of funds will have to be communicated to Remit2India Consumer-care via email or phone.
    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 Banks end. TTSPL will, however, assist you in all service related issues and queries regarding transaction status along with active support of the Bank to facilitate resolution of such queries to the best of TTSPL's ability.
    The above terms and conditions are in addition to the additional terms and conditions relating to the remit2india Facility appearing elsewhere on this Website or otherwise now or hereafter agreed or deemed to be agreed by you.
    TTSPL shall be entitled to have more than one promotional offer in existence and applicable at any given time. However a Consumer shall be entitled to avail of only one offer per transaction. It shall be entirely at the discretion of TTSPL to consider any exceptions to the above
    The Remittance Service Agreement is in addition to the Terms & Conditions as stated in this section and deals with the Remittance Service only.

    This remittance service agreement ("agreement") sets forth the terms and conditions under which 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 Bank for Bank 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 terms and conditions when using the TTSPL website and other TTSPL services. The Bank is only responsible for processing remittance payments you request and authorize through the Remittance Facility. TTSPL is solely responsible for operating the Remittance Facility website and for responding to Consumer service questions you may have regarding the Remittance Facility.
      TTSPL is not affiliated with, or controlled by, Bank. Bank is not responsible to you or any other person (i) for any acts or omissions of TTSPL, or (ii) for your use of the Remittance Facility website or any other services (including remittance services) that may be offered to you by TTSPL or by any of the service providers of TTSPL. You should review the terms and conditions of Remittance Facility website operated by TTSPL for terms governing your use of that website.

    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 to 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. Bank may seek to verify your registration information but is under no obligation to undertake verification.

    4. Description of the Remittance Facility.

      YYou 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 Remittance Facility website from time to time. Bank and TTSPL-designated service providers will process the remittance payment and make funds available for receipt by the designated beneficiary as described below. You must be at least eighteen (18) years of age, and a resident of the United States 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 Bank to charge your Payment Bank Account for the amount of the requested remittance payment and any service fees. You understand and acknowledge that Bank has no obligation to process or complete a requested remittance payment if Bank 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 Bank 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 canceled for any reason, and Bank has already processed your remittance payment request, you will be responsible to Bank for the amount of the remittance payment. You agree to pay such amount, plus any applicable service fee or non-sufficient funds (NSF) fee applicable to the return, to Bank immediately upon demand.

    6. Reliance by Bank.

      When processing a remittance payment, Bank may rely on the registration information and remittance payment request information that you provide to TTSPL. 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.

      If your remittance payment request is received by Bank on a day that is not a business day 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 for the Remittance Facility.

    8. Instant Account Verification

      The 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 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 Verification Service, you authorize TTSPL and its supplier (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 TTSPL and Supplier a limited power of attorney, and you hereby appoint TTSPL 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 TTSPL OR SUPPLIER ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY SITES, TTSPL 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 Verification Service is not endorsed or sponsored by any third party account providers accessible through the Instant Verification Service. You are licensing to TTSPL and Supplier any information, data, passwords, materials or other content (collectively, Content) you provide through or to the Instant Verification Service. TTSPL and Supplier may use, modify, display, distribute and create new material using such Content to provide the Instant 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, TTSPL and Supplier may use the Content for the purposes set out above. As between TTSPL and Supplier, TTSPL owns your confidential account information.

      CHALLENGE DEPOSIT . 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 TTSPL and Supplier to make up to two micro-deposits (less than $1.00) to the external financial account specified by you. You will thereafter verify the amounts deposited to TTSPL and Supplier.

      USE OF RESULTS LIMITED.You agree that the results of the Account Verification Service are for use by you and TTSPL and its service providers only in connection with TTSPL Service, on TTSPL’s Website. 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 Service.

      LIMITATION OF LIABILITY. YOU AGREE THAT NEITHER TTSPL NOR SUPPLIER 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 TTSPL OR SUPPLIER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM THE USE OR THE INABILITY TO USE THE INSTANT VERIFICATION SERVICE OR ANY OTHER MATTER RELATING TO THE INSTANT 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 VERIFICATION SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANYONE ON THE INSTANT 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 TTSPL and Supplier and their affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorney's fees) caused by or arising from your use of the Instant Verification Service or your violation of these terms.

    9. 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.
    10. Payment of Funds to Receiver.

      Bank and/or TTSPL-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 TTSPL reserves right to change payment method options. Bank also reserves right to select form of payment to beneficiary. Bank and/or TTSPL-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, at Bank's option.

      Bank reserves the right to establish identification and verification requirements for a beneficiary to receive the funds from a remittance payment. 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. . TTSPL/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.

    11. 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 U.S. Dollars.

      If conversion is required, Bank and/or TTSPL-designated service providers will convert a U.S. dollar 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 by Bank, TTSPL or other intermediary banks, including a service fee for currency conversion.

    12. Permissible Remittance Payments.

      You agree that you will only request a remittance payment that complies with this Agreement, applicable originating country like United States federal and state law, and / or applicable law in 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 the United States, including without limitation, the economic sanctions administered by the U.S. Treasury Office of Foreign Asset Control and the U.S. anti-money laundering laws. You agree that you will provide information that Bank may request from time to time regarding your identity or the identity of the beneficiary in order for Bank to comply with any applicable laws, including anti-money laundering laws. Bank may provide information regarding you, the beneficiary and your use of the Remittance Facility to government authorities.

    13. Rejection of Remittance Payment Request.

      Bank may reject your request for a remittance payment, or impose a dollar limitation on your remittance payment, without cause or prior notice to you. Without limiting the foregoing, Bank may suspend, delay or reject your remittance payment request: (a) if the dollar value of one or more of your remittance payment requests exceed any transfer limits established for the Remittance Facility; (b) if Bank 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 Bank is unable to confirm your identity or verify any registration or beneficiary information; or (e) if Bank and/or TTSPL-designated service providers are unable to fulfill 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.

    14. Service Fees and Charges.

      You authorize Bank 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 Bank and/or TTSPL-designated service providers involved in processing a remittance payment may charge a currency conversion fee for converting the foreign currency like U.S. dollar 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 Remittance Facility 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.

    15. Delays or Non-Execution of Remittance Payment Request.

      You agree that TTSPL / Bank shall not be responsible for any delay, failure to execute, or mis-execution of your remittance payment request due to circumstances beyond TTSPL / Bank'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 TTSPL / Bank 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. BANK MAKES NO WARRANTIES, EXPRESS OR IMPLIED WITH RESPECT TO THE REMITTANCE FACILITY.

    16. Refund.

      If you request the cancellation and refund of a previously requested remittance payment, TTSPL / Bank are under no obligation to process or honor such a request.

      Further, if TTSPL/ Bank are not able to process the remittance due to incorrect bank account number or insufficient details, then after 60 days from the date of remittance, TTSPL/Bank would return the funds to the remitter.

      In either of the events, where TTSPL / Bank does refund a previously requested remittance payment, the amount of funds that is returned to you may be less than you originally paid for the remittance payment because of service charges and difference in exchange rates. Your returned funds will be in the same currency in which the transaction was initiated. TTSPL / Bank shall not be liable to you for any loss resulting from TTSPL / Bank's inability to cancel or refund a remittance payment. If TTSPL / Bank determine 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 TTSPL / Bank'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 or Service Company. 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 Customer Service.

      We will make every effort not to debit your Payment Instrument after we have received your request for cancellation. However, in some cases, we may have initiated an irreversible request for funds from your financial institution prior to receiving your request for cancellation. In such cases, your Payment Instrument may be debited even if you have cancelled your Transaction but we will refund your money usually within four (4) business days after we have received the funds from your financial institution.

      Refunds will be credited to the same Payment Instrument used to pay for the Transaction. Refunds are only made in U.S. Dollars. Refund amounts will not be adjusted to account for changes in the value of the U.S. Dollar or foreign currency from the time your Transaction was submitted.

      For Washington:

      TTSPL / Bank shall refund to you the remittance funds received for transmittal within ten days of receipt of a written request for a refund unless any of the following occurs: 
      1. The funds have been transmitted and delivered to the person designated by you prior to receipt of the written request for a refund;
      2. Instructions have been given committing an equivalent amount of funds to the person designated by you prior to receipt of a written request for a refund;
      3. TTSPL / Bank has reason to believe that a crime has occurred, is occurring, or may potentially occur as a result of transmitting the funds as requested by you or refunding the funds as requested by you; or
      4. TTSPL / Bank is otherwise barred by law from making a refund.

    17. Limitation of Liability.

      Bank 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 TTSPL / Bank's error or negligence, TTSPL / Bank's sole obligation to you is to correct the error or to refund the amount of the requested remittance payment and applicable Bank fees and charges. IN NO EVENT SHALL BANK BE RESPONSIBLE FOR ANY PUNITIVE, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXPENSES ARISING IN CONNECTION WITH A REMITTANCE PAYMENT OR THE REMITTANCE FACILITY. 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 TTSPL / Bank's liability ever exceed the amount of the remittance payment. The foregoing shall constitute TTSPL / Bank's entire liability and your exclusive remedy.

    18. Indemnity.

      In consideration of the agreement by Bank to provide you with the Remittance Facility, you agree to indemnify and hold TTSPL / Bank 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) Bank acting upon your request for a remittance payment pursuant to this Agreement.

    19. Arbitration of Disputes.

      You understand and agree that TTSPL / Bank may require any dispute arising from your use of the Remittance Facility be resolved by binding arbitration. Bank may designate an arbitrator or arbitration panel located in New York, New York. Decisions of any arbitration process shall be binding on you.

    20. Amendments.

      You agree that Bank and/or TTSPL reserve the right to change (amend, add to, or delete) the terms and conditions of this Agreement. Unless otherwise required by law, Bank may amend this Agreement without prior notice to you.

    21. 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, Bank or TTSPL 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 Bank or by TTSPL electronically at the Remittance Facility 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, Bank 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 Bank or TTSPL with respect the remittance payment requested through the Remittance Facility. In the event of a conflict, the official records of the Bank will control over any service messages.

    22. Governing Law.

      This Agreement (Section) shall be governed by federal law of the United States of America and, where not in conflict with or preempted by such federal law, the laws of the state of New York, as applicable, without regard to conflict of law principles.

    23. Use of Information; Privacy Policy.

      Moneydart may use and disclose to third parties (including to Remitting Bank and/or Bank may use and disclose to third parties (including to TTSPL and/or TTSPL-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 Bank's rights and for any other purposes permitted by law.

    24. 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. You also confirm that you are able to print or download a copy of this Agreement. (Section)

    4.1
    In order to access and use the Website and avail of any Facility you must be an individual of atleast 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 TTSPL shall not be held liable in such cases. They also agree to indemnify TTSPL against any loss, third party claims, or liability incurred or may be incurred by TTSPL 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.
    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 TTSPL for any losses caused to TTSPL due to any information provided by you to TTSPL being untrue, inaccurate, not current or incomplete in any respect, and TTSPL shall not be responsible for any losses sustained by you due to any information provided by you to TTSPL being untrue, inaccurate, not current or incomplete in any respect. If any information provided by you is untrue, inaccurate, not current or incomplete, TTSPL 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 TTSPL and hold TTSPL 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 TTSPL 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 TTSPL shall have no obligation to verify the authenticity of any such transaction or activity. TTSPL 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 TTSPL at the address provided on the Website giving your date of birth and transaction details satisfactory to TTSPL. On TTSPL being satisfied of your identity (which satisfaction shall be entirely at the discretion of TTSPL), TTSPL shall send the ID to your e-mail address registered with TTSPL. You shall be responsible for continuing to maintain this e-mail address. TTSPL 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 TTSPL may specify) to TTSPL at the address provided on the Website giving your ID and date of birth and such other information, if any, as TTSPL may require. On TTSPL being satisfied of your identity (which satisfaction shall be entirely at the discretion of TTSPL), TTSPL shall send the password to your e-mail address registered with TTSPL. You shall be responsible for continuing to maintain this e-mail address. TTSPL 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, TTSPL 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, TTSPL 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, TTSPL 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 TTSPL may deem fit.
    5.10
    In the event that the certifying authorities and other infrastructure contemplated under the Information Technology Act, 2000 or any other law for the time being in force, for ensuring secure electronic records and secure digital signatures is notified by the concerned authorities and the infrastructure to enable the same is in place, TTSPL shall have the right to require you to communicate instructions and authorise and execute transactions and other activities by means of such secure electronic records and secure digital signatures in addition to, or in place of, the use of password(s).

    6.1
    You shall not -

    restrict or inhibit any other person from accessing, using and enjoying the Website or the Facilities;
    use the Website for any purpose that is unlawful under the applicable jurisdiction or not permitted by the Terms and Conditions;
    modify, copy, distribute, reproduce, transmit, display, perform, publish, upload, post, license, create derivative works from, transfer or sell any information, designs, logos, trademarks, software, Facilities, products or services obtained on or through the Website, except as permitted by the copyright owner or other right holder thereof; the Website being copyrighted under the relevant laws;
    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 TTSPL) 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, TTSPL and/ or any of the Alliance Partners. ;
    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 TTSPL of the same in writing.
    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 Remit2India and Remitter and beneficiary shall not have any right whatsoever against Remit2India. Remit2India will communicate with the Remitter and shall not be liable to revert to any query of the beneficiary. The Remitter hereby agrees to keep Remit2India indemnified and harmless against any action of the beneficiary against Remit2India.

    7.1
    The user agrees that TTSPL and / or TOMs 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 TTSPL.
    7.2
    TTSPL 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
    TTSPL 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 TTSPL. 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
    TTSPL and the Alliance Partners shall have the right to verify any information provided by you and in cases where you need to specifically authorize TTSPL and its alliance partners to verify any information, you hereby authorise TTSPL and the Alliance Partners to verify any such information provided by you.
    7.6
    TTSPL shall endeavour to take reasonable measures, which may include encryption, to ensure that your personal information is not disclosed to any person except to TTSPL, Alliance Partners, Service Providers, and/or other persons to whom the information may be provided as per TTSPL'S Privacy Policy and other persons specified by you. However, the Internet is an open system and TTSPL cannot, and does not, guarantee that the personal information which you furnish will not be intercepted and/or decrypted and/or accessed by others. TTSPL, the Alliance Partners and 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. TTSPL is required to comply with Bank Secrecy Act Title 31 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. TTSPL 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 TTSPL Policy, is exclusive. This cannot be clubbed with any existing offer, unless otherwise specified explicitly. Redemption of reward points for free transactions is 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 Corporate and TTSPL.
    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 NRE / NRO bank accounts. ["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 TTSPL 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
    TTSPL OPERATES AND OFFERS THE WEBSITE STRICTLY ON A NO-LIABILITY BASIS AND UNDER NO CIRCUMSTANCES SHALL TTSPL 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, TTSPL 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.

    TTSPL 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 TTSPL. TTSPL does not, in any way, certify or warrant the performance, operation, content or availability of the Website or such other websites. Although TTSPL 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. TTSPL 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 TTSPL 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
    TTSPL 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 TTSPL or the Website (except where TTSPL is expressly stated to be owner, advertiser, manufacturer, provider and supplier thereof).
    8.7
    TTSPL 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 TTSPL (or the concerned Affiliate Partner or 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 TTSPL shall endeavour that your instructions and your transactions pursuant to Facilities provided by TTSPL are communicated, carried out and/or performed promptly, TTSPL does not guarantee that any instructions will definitely be communicated or carried out or that any transactions will definitely be performed; and TTSPL 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 TTSPL.
    8.10
    TTSPL 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, TTSPL 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
    TTSPL shall not be responsible for any unauthorised interception of e-mail to or from you or TTSPL. or any other Alliance Partner or Service Provider
    8.13
    To the extent possible, the disclaimers, limitations on liability and indemnities available to TTSPL under the Terms and Conditions shall mutatis mutandis extend and be available also to the Alliance Partners and Service Providers and its / their respective directors, officers, employees, agents, successors, assigns, consultants, sponsors, affiliates, content providers and every one 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 TTSPL or TTSPL'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 TTSPL and its 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 TTSPL so that it can be corrected.
    8.15
    Links from the Website -

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

    The links on the Website may take you to other sites or to other locations within the Website where other facilities are provided. TTSPL shall not be responsible or liable with regard to any such facilities available on such linked sites, non-TTSPL web sites, and any other web site which may be linked to or from the TTSPL site.
    8.16
    Kindly check the site or contact your Relationship Manager to get you the indicative rates at the time of booking the remittance. Find below charges for various counties:

    Amount (USD)Transfer Fees (USD)
    10 - 5003
    501 - 9995
    1000 - 100009*
    10001 - 2500015*
    25001 - 5000020*
    50001 - 20000025*




    Amount (GBP)Transfer Fees (GBP)
    50 - 30005
    3001 - 100005
    10,001+5*


    *Special Limited Period Offer: All transaction fees waived, so your family gets more!


    Amount (CAD)Transfer Fees (CAD)
    50 - 20000015




    Amount (EURO)Transfer Fees (EURO)
    50 - 250005




    Amount (AED)Transfer Fees (AED)
    100 - 3000010




    Amount (SGD)Transfer Fees (SGD)
    50 - 5006*
    501 - 20006*
    2001 - 50006*
    5001+0


    *Special Limited period offer: 50% discount on transfer fees for transactions up to $5000 and NO fees for higher transactions.


    Amount (AUD)Transfer Fees (AUD)
    50 - 5006*
    501 - 500012*


    *Special Limited Period Offer: AUD 6 waived off. The fee for this slab will be AUD 6 only.


    Amount (HKD)Transfer Fees (HKD)
    50 - 1500030




    Amount (JPY)Transfer Fees (JPY)
    10000 - 5000001000 Yen




    Amount (NZD)Transfer Fees (NZD)
    50 - 5006
    501 - 500012
    5001+12


    *Special period offer: NZD 6 waived off. The fee for this slab will be NZD 6 only
    *Special period offer: NZD 3 waived off. The fee for this slab will be NZD 9 only
    *SSpecial Limited Period Offer: All transaction fees waived, so your family gets more!
    8.17
    Additional service charge can be levied by Moneydart as per discretion of its management from time to time. The current service charges for different currencies are as follows:

    USD

    Transaction AmountService Charge (Rs)
    50-50035
    501-100045
    1001-500075
    5001 & above125
    Additional service charge of USD 3 will be applicable for "Check Transfers".


    GBP

    Transaction AmountService Charge (Rs)
    50-70044
    701-350064
    3501-200000114


    EUR

    Transaction AmountService Charge (Rs)
    50-100034
    1001-500044
    5001-2500064


    SGD

    Transaction AmountService Charge (Rs)
    50-50034
    501-200044
    2001-500064
    5001-200000114


    CAD

    Transaction AmountService Charge (Rs)
    50-100034
    1001-150044
    1501-750064
    7501-200000114


    HKD

    Transaction AmountService Charge (Rs)
    50-20000034


    JPY

    Transaction AmountService Charge (Rs)
    10000-5000034
    50001-27500044
    275001-200000064


    AED

    Transaction AmountService Charge (Rs)
    50-20000019
    8.18
    We charge the Consumers as per the above rates. However from time to time we run promotions based on the amount sent by the remitter where the final amount to the beneficiary include an additional amount as per the promotional offer. The additional amount would not mean any amount over and above the Remittance Amount but shall mean addition of an amount equal to the charges that are otherwise levied /applicable on the transaction done by the Remitter in the amount to be transferred to the Beneficiary. Irrespective of which currency the promotion is offered in, the additional amount to the beneficiary will be paid in Indian Rupees. (E.g. If you are sending USD 1200 from USA today, the charges levied are USD 9, which means the effective amount to be remitted to the Beneficiary is USD 1191. However, as a promotional offer, an Indian Rupee equivalent of USD 9 will be added to the final beneficiary amount i.e. Final Amount to be remitted to Beneficiary = Rupee Equivalent of USD 1191 + Rupee Equivalent of USD 9).

    9.1
    The Website primarily facilitates the display and offering of Facilities by third parties (""Alliance Partners"") and TTSPL on a no-liability and no-obligation basis as regards TTSPL. Several of the Facilities mentioned or offered on or through the Website are provided by Alliance Partners (and not by TTSPL) as indicated at the appropriate places on the Website. TTSPL has not conducted any investigation or due diligence in respect of, and makes no warranty for, the Alliance Partners or the Facilities provided by them, and TTSPL shall not be liable for any loss or damage of any sort incurred as a result of any transactions or dealings with Alliance Partners. You may be billed for these Facilities by the Alliance Partners, and the Alliance Partners may have their own agreements, terms and conditions which will govern such Facilities provided by them. The terms and warranties relating to such Facilities may vary from Alliance Partner to Alliance Partner and Facility to Facility. You should obtain the full text of such terms and warranties from the Alliance Partners.
    9.2
    Where any Facility is provided by TTSPL itself, it is expressly mentioned on the Website. TTSPL offers its Facilities strictly on a no liability basis. Accordingly, while TTSPL shall endeavour to offer such Facilities as per their terms, no claim shall lie against TTSPL, and TTSPL 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 TTSPL or on any other registration whatsoever. You should avail of Facilities provided by TTSPL only if you agree to the above.
    9.3
    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.
    9.4
    All your rights and remedies and all maintenance, update, warranty, liability or any other obligations related to any Facility, if any, shall be governed by the applicable terms, policies and procedures of the concerned Alliance Partner and TTSPL shall not be liable or responsible for the same in any manner. You shall have no claim, rights or remedies whatsoever against TTSPL in respect of any Facility availed or sought to be availed by you from any Alliance Partner.
    9.5
    If you wish to avail of a Facility, you may be asked by the Alliance Partner or TTSPL to supply certain information, including but not limited to credit or debit card or other payment mechanism information. You agree that all information you provide to any Alliance Partner or TTSPL will be your information only and it will be accurate, complete and current. You agree not to hold TTSPL liable for any loss or damage of any sort incurred as a result of any such dealings with any Alliance Partner.
    9.6
    The Alliance Partners and TTSPL offering any Facility, service or product set their 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 the Alliance Partner or TTSPL (as the case may be). While TTSPL endeavours to post accurate and updated information on the Website, you verify the same before taking any action or entering into any transaction. TTSPL will not be liable for any lack of availability of any Facilities you may order or seek to avail of through the Website.
    9.7
    The records of access, instructions, transactions and other activities maintained or caused to be maintained by TTSPL 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.
    9.8
    Facilities are offered only to persons who are residents or citizens of states and countries where TTSPL or the concerned Alliance Partners (as the case may be) are operating and can offer and provide such Facilities. By offering Facilities on this Web Site, TTSPL or the concerned Alliance Partners (as the case may be) are not attempting to offer or provide facilities outside their authorized states or country. It is your responsibility to ensure that your use of this Website and the facilities is legal in your jurisdiction.
    9.9
    TTSPL shall try 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, TTSPL does not guarantee the timeliness, accuracy, completeness, reliability or content of the information and any changes that are made with respect to the same.
    9.10
    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.
    9.11
    TTSPL shall endeavour to carry out the requests received under the Facilities. However, TTSPL 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.
    9.12
    The following Facilities are proposed to be offered 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
    TTSPL 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 TTSPL nor the Service Providers would be responsible or liable for non-dispatch or delay in dispatch of the Alerts by TTSPL and/or the Service Providers or any delay in receipt or on-receipt of the Alerts for any reason whatsoever. Under no circumstances shall TTSPL and/or the Service Providers be liable for any costs, damages or other amount whatsoever 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 TTSPL 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 TTSPL 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 TTSPL from third party Service Providers and may be transmitted by TTSPL to you without verification. TTSPL 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 TTSPL 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. TTSPL 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 TTSPL 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 TTSPL 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.

    TTSPL 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 TTSPL (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 TTSPL or Alliance Partners or Service Providers,. However, you may print a copy of the information on this Site for your personal use or records. This Site is for your personal use. If you make other use of this Site, except as otherwise provided above, you may violate copyright and other laws of India and other countries, and may be subject to penalties. TTSPL, the Alliance Partners and/or the 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 TTSPL, its subsidiaries, affiliates or service provider (including to an Entity pursuant to Merger - Demerger of TTSPL or TTSPL’s Affiliates) 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 TTSPL and the Affiliate Partners and Service Providers; and TTSPL, the Affiliate Partners and Service Providers 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. TTSPL, the Affiliate Partners 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. TTSPL 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, TTSPL, any Alliance Partner or Service Provider, except where otherwise specifically agreed or appointed.

    TTSPL has no obligation to monitor the functioning of the Website. However, you acknowledge and agree that TTSPL 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, Alliance Partners, Visitors, Users or Consumers. TTSPL will not intentionally monitor or disclose any private electronic-mail message to any third party unless required by law. TTSPL 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 TTSPL, its directors, officers, employees, Affiliates Partners, and Content 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 

    16.1
    Termination by Moneydart /Website –

    You acknowledge and agree that TTSPL 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 TTSPL in its sole discretion believes violate any of the Terms and Conditions, violate the rights of TTSPL, or is otherwise inappropriate for continued access, or IF TTSPL 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 TTSPL) or for any other reason which TTSPL/ Bank thinks fit and proper.
    16.2
    You acknowledge and agree that TTSPL may in its sole discretion deny you access through TTSPL to any materials stored on the Internet, or to access third party services, Facilities, merchandise or information on the Internet through the Website, and TTSPL 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 TTSPL. The termination shall take effect on the completion of the fifteenth day from the date of receipt of the notice by TTSPL. 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 TTSPL shall be governed by and construed in accordance with the laws of India and no other nation, without regard to the laws relating to conflicts of law.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
    17.2
    You and TTSPL 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 TTSPL shall be subject to the exclusive jurisdiction of the competent courts located in the city of Mumbai, Maharashtra, India and you hereby accede to and accept the jurisdiction of such courts. Provided that, notwithstanding what is stated above, if TTSPL so thinks fit TTSPL may institute proceedings against you in any other court or tribunal having jurisdiction.
    17.3
    TTSPL accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country other than that of India. 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.
    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.

    The failure or delay of TTSPL 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 TTSPL shall be valid unless it is in writing signed by or on behalf of TTSPL. A waiver of any right or provision by TTSPL on a particular occasion shall not prevent TTSPL 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, TTSPL, 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.

    21.1
    TTSPL may give notice to you by e-mail, letter, telephone or any other means as TTSPL may deem fit to the address last given by you. Notices under the Terms and Conditions may be given to TTSPL by you in writing by delivering them by hand or by sending them by post to TTSPL's address mentioned on the Website. TTSPL may, but shall not be bound to, act upon notices and instructions given by you to TTSPL by e-mail, letter, telephone or any other means as TTSPL may deem fit. TTSPL 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, TTSPL 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 TTSPL 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 TTSPL. TTSPL shall also be entitled to act on the basis of any instructions received or purported to be received by TTSPL from you by e-mail or other electronic means or via the internet. TTSPL 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
    TTSPL 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
    TTSPL 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 the 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 TTSPL 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 TTSPL, 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.

    23.1
    From time to time, TTSPL runs special offers and promotions at its discretion. Consumers can avail of the same subject to certain conditions:
    23.2
    Scope: TTSPL 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 discretion of TTSPL
    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(s) shall stand cancelled and forfeited and thereafter the Winners shall not be eligible to claim the Prize(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 TTSPL and you / the concerned parties in respect of each Facility.
    Terms and Conditions for UK movie ticket offer 
    This is a limited period offer
    This offer is valid only for a successful first transaction of GBP 1,000 & above
    Movie ticket will be sent as vouchers to your registered e-mail id within 15 working days of a completed transaction
    Movie ticket vouchers will be valid for a period of 6 months from the date of issue
    Vouchers can be redeemed individually or together
    It is mandatory to mention movie theatre preference in the coupon code section while booking your transfer
    The movie ticket price will vary according to the type of movie and day & time of viewing
    Cineworld tickets can be redeemed for any 2 D movie in all Cineworld theatres except Cineworld Leicester Square, Picture House cinemas and The Screening Rooms Cheltenham (the list of cinemas is subject to change, always check movie screening timings and availability before travelling); excluding occasions where the cinema has been hired for special performances. Booking at www.cineworld.com attracts 70p per seat booked. Booking at box office is free
    You can upgrade cineworld tickets to 3D movie viewing by paying additional charges as per the movie theatre's policy
    Odeon tickets can be redeemed online or through website for a standard seat to view a standard 2D advertised public performance of a film showing at any ODEON cinema in the UK and Republic of Ireland EXCEPT the following cinemas: Covent Garden, Kensington, Leicester Square, ODEON Studios (Leicester Square), Marble Arch, Panton St, Tottenham Court Road, Whiteleys, The Lounge at Whiteleys, BFI IMAX
    T&C for Festive2016 offer: 
    This offer is valid only for a selected customer base
    This offer is valid only for Australia, US, UK, Singapore and Europe corridors
    Use coupon code 'Festive2016' while doing the
    Minimum booking amount for all five transactions should be Euro 1500 each for Europe, SGD 2000 each for
    Singapore, GBP 1000 each for UK and USD 1500 each for US
    For US, pay modes should be either ACH Indicative or Wire Transfer
    Extra amount will be added with the sending amount each time the transaction is processed
    The beneficiary can be same or different for all five transactions
    10 Euro equals INR 740, 5 SGD equals INR 250, 8 GBP equals 650 & 10 USD equals INR 600
    T&C for New Year Bonanza offer 
    - This is a limited period offer, only for select customer base 
    - This offer is open only for US, UK and Australia customers
    - The minimum transacting amount for US is $3000, for Australia is A$3000 and for UK is £2000
    - Each transaction should be more than the minimum transacting amount
    - Total of 4 transactions should be booked before 31st January, 2017 
    - All 4 transactions should be successful to be eligible for Amazon/Coles voucher
    - Amazon voucher will be in the multiples of $25 each for US (4) and £20 each for UK (3), Coles voucher will be in the multiples of A$35 each for Australia (3) 
    - The gift vouchers will be sent to the customer's registered e-mail id within 14 working days of successful completion of all 4 transactions, after 31st January, 2017
    - Decision of Remit2India would be final

    If you have a complaint, first contact the consumer assistance division of TTSPL at 1-888-736-4886 or info@remit2india.com. If you still have an unresolved complaint regarding the company's money transmission activity, please direct your complaint to:

    FOR COMPLAINTS IN THE STATE OF ALABAMA
    ALABAMA SECURITIES COMMISSION 
    ENFORCEMENT DIVISION 
    P.O. Box 304700
    MONTGOMERY, AL. 36130-4700,
    PHONE: 1-800-222-1253
    PHONE: 1-334-242-2984
    FAX:1-334-242-0240
    EMAIL: asc@asc.alabama.gov
    Website: http://asc.alabama.gov/complaints.aspx
    FOR COMPLAINTS IN THE STATE OF ALASKA
    DEPARTMENT OF COMMERCE, COMMUNITY AND ECONOMIC DEVELOPMENT 
    DIVISION OF BANKING AND SECURITIES 
    Money Services Businesses at (907) 269-4584
    By mail at 550 West Seventh Avenue, Suite 1850, Anchorage, AK 99501.
    https://www.commerce.alaska.gov/web/dbs/ConsumerFinance/MoneyServiceBusinesses.aspx
    FOR COMPLAINTS IN THE STATE OF ARIZONA
    Arizona Department of Financial Institutions
    Consumer Affairs Division 
    2910 North 44th Street, Suite 310, Phoenix,
    Arizona, 85018 
    Phone: (602) 771-2800 
    Toll Free:(1800) 544-0708
    Email:licensing@azdfi.gov
    Website: http://www.azdfi.gov/Consumers/Complaints/Complaints.html
    FOR COMPLAINTS IN THE STATE OF COLORADO
    If you have a Question about or Problem with YOUR TRANSACTION - THE MONEY YOU SENT
    You must contact the Money Transmitter who processed your transaction for
    assistance. The Division of Banking does not have access to this information.
    If you are a Colorado Resident and have a Complaint about 
    ALL complaints must be submitted in writing. Please fill out the Complaint Form 
    provided on the Colorado Division of Banking's website and return it and any 
    documentation supporting the complaint via mail or email to the Division of 
    Banking at:
    Colorado Division of Banking
    1560 Broadway, Suite 975
    Denver, CO 80202 
    Email: DORA_BankingWebsite@state.co.us
    Website: www.colorado.gov/dora/division-banking
    FOR COMPLAINTS IN THE STATE OF DELAWARE
    Office of the State Bank Commissioner
    555 East Loockerman Street, Suite 210
    Dover, DE 19901
    Phone: (302) 739-4235
    Fax: (302) 739-2356
    Email:choffecker@state.de.us
    Website: http://www.banking.delaware.gov/consumer_complaints.shtml
    FOR COMPLAINTS IN THE STATE OF ILLINOIS
    ILLINOIS Division of Financial and Professional Regulation
    320 W. Washington Street, 3rd Floor
    Springfield, IL 62701
    Website: http://www.idfpr.com/DFI/DFIComplaintForm.asp
    FOR COMPLAINTS IN THE STATE OF IOWA
    DEPARTMENT OF BANKING
    200 East Grand Avenue, Suite 300
    Des Moines, IA 50309-1827
    Phone: (515) 281-4014
    Email:IDOBcomplaints@idob.state.ia.us
    https://www.idob.state.ia.us/bank/docs/comscomp.aspx
    FOR COMPLAINTS IN THE STATE OF KENTUCKY
    Department of Financial Institutions (DFI)
    Division of Securities 
    Department of Financial Institutions
    Toll free: 844-354-0613 
    Fax: 502-573-0184 
    Email:KFI.Complaints@ky.gov
    http://kfi.ky.gov/complaint/Pages/financial.aspx
    FOR COMPLAINTS IN THE STATE OF MARYLAND 
    Department of Labor, Licensing and Regulation
    Commissioner of Financial Regulation,
    Attention Consumer Services Unit, 
    500 North Calvert Street, Suite 402,
    Baltimore, Maryland 21202 
    By phone at 888-784-0136 or Fax number: 410-333-3866
    Email:DLFRComplaints-DLLR@maryland.gov
    http://www.dllr.state.md.us/finance/consumers/comphow.shtml
    FOR COMPLAINTS IN THE STATE OF MINNESOTA
    MINNESOTA DEPARTMENT OF COMMERCE
    FINANCIAL INSTITUTIONS DIVISION
    By Phone: 651-539-1600
    https://mn.gov/commerce/consumers/file-a-complaint/file-a-complaint/
    FOR COMPLAINTS IN THE STATE OF NEW JERSEY
    New Jersey Department of Banking & Insurance 
    Consumer Inquiry and Case Preparation Unit
    NJDOBI, P.O. Box 471 Trenton, New Jersey 08625-0471 
    Telephone: 609-292-7272 or 1-800-446-7467 (Consumer Hotline)
    Fax at 609-454-8468
    Website: http://www.state.nj.us/dobi/consumer.htm
    FOR COMPLAINTS IN THE STATE OF NORTH CAROLINA
    NORTH CAROLINA COMMISSIONER OF BANKS 
    316 W. Edenton Street
    Raleigh, NC 27603 
    Phone:919-733-3016 
    Fax:919-733-6918
    https://www.nccob.org/Public/ConsumerInformation/Complaints/CIFileComplaint.aspx
    FOR COMPLAINTS IN THE STATE OF OKLAHOMA 
    Oklahoma Banking Department 
    2900 North Lincoln Boulevard 
    Oklahoma City, Oklahoma 73105 
    Phone: (405) 521-2782 
    Fax: (405) 522-2993
    https://www.ok.gov/banking/Resolving_Issues_-_Money_Transmission.html
    FOR COMPLAINTS IN THE STATE OF OREGON
    Division of Financial Regulation 
    PO Box 14480 Salem,
    OR 97309-0405 
    Phone: 866-814-9710 (toll-free) 
    Fax: 503-947-7862 
    Email:DCBS.DFCSMAIL@oregon.gov
    http://dfr.oregon.gov/gethelp/Pages/file-a-complaint.aspx
    FOR COMPLAINTS IN THE STATE OF PENNSYLVANIA 
    Department of Banking and Securities
    17 N. Market Street, Suite 1300,
    Harrisburg, PA 17101 
    Phone to 1.800.600.0007
    Fax to 717.787.8773
    http://www.dobs.pa.gov/Consumers/Pages/File-a-Complaint.aspx
    FOR COMPLAINTS IN THE STATE OF TEXAS 
    Texas Department of Banking
    Special Audits Division 
    2601 North Lamar Boulevard Austin,
    Texas 78705-4294 
    Toll Free #: (877)276-5554 
    Email:msb@dob.texas.gov
    Website: http://www.dob.texas.gov/money-services-businesses/how-file-complaint
    FOR COMPLAINTS IN THE STATE OF WASHINGTON 
    DEPARTMENT OF FINANCIAL INSTITUTIONS
    DIVISION OF CONSUMER SERVICES 
    P.O. Box 41200, Olympia, Washington 98504-1200 
    Telephone (360) 902-8703 or 1-877-RING DFI (1-877-746-4334) 
    Email:CSEnforceComplaints@dfi.wa.gov
    http://www.dfi.wa.gov/consumers/file-complaint/consumer-services
    CONTACT NUMBER OF CONSUMER FINANCIAL PROTECTION BUREAU (CFPB): 
    Mailing address 
    Consumer Financial Protection Bureau 
    PO Box 4503, Iowa City, IA 52244 
    (855) 411-CFPB (2372) TTY/TDD: (855) 729-CFPB (2372) 
    8 a.m. 8 p.m. Eastern, Monday-Friday 
    Fax: (855) 237-2392
    Headquarters address 
    Consumer Financial Protection Bureau
    1700 G Street, Washington, DC 20552
    http://www.consumerfinance.gov/about-us/contact-us/