There are many ways to use our Services – to search for and share information, to communicate or to create new content. When you share information with us, we strive to make these Services even better for you – to show you more relevant search results or ads, to help you connect with people or to make sharing with others quicker and easier. As you use our Services, we aim to be clear on how we are using your information and the ways in which you can protect your privacy.

International Airtime Remittance services and "Goods and Services" Remittance services are provided by TransferTo Inc., located at 353 Sacramento Street, Suite 560, San Francisco CA. By using our “Service”, or “Services”, you agree to the following terms. Please review carefully.

Our Services are diverse, therefore at times additional terms or product requirements may apply. Additional terms disclosure will be available with the relevant Services, and by using those Services, those additional terms become part of your agreement with TransferTo.


Using our Service

You must follow any policies made available to you with the use of our Services.

We do not allow misuse, unauthorized resell or abuse of our Services. By accepting use of our Services, you agree to not interfere with our Service stipulations, access our Service using a method other than what is included in your contract with us and outlined in the instructions agreed upon. You may use our Services only as permitted by law, including applicable export and re-export control laws and regulations. We may suspend, revoke or terminate our Services to you if you do not comply with our terms or policies or if we are investigating suspected misconduct or fraudulent activity.

By using our services, you acknowledge and agree to be fully compliant with the Consumer Financial Protection Bureau (“CFPB”) Remittance Transfer terms available at http://www.consumerfinance.gov/eregulations/1005-1/2013-19503#1005-1-a and especially to implement appropriate disclosures to recipients: http://www.consumerfinance.gov/eregulations/1005-31/2013-19503#1005-31-a

Using our Service does not give ownership of intellectual property rights to any of our content that you have contracted with us to access. You may not use content from our Services unless written permissions are obtained from their rightful owners or are otherwise permitted by law. These terms do not grant the right to use any branding or logos associated with our Services without written expressed permission. You agree not to remove, obscure, or alter any legal notices displayed in or along with our Services, failure to comply will result in the revocation, suspension or termination of use of our Services and/or legal recourse.

Our Services many times display proprietary content. In regards to this content: the content is the sole responsibility of the entity that makes it available, however, by using our Service, you agree to allow TransferTo, if deemed necessary, the right to review this content to determine whether it is illegal or violates our policies, and that we may remove or refuse to display content that we reasonably believe violates our policies or the law.

In connection with your use of our Services, you agree that we may send you Service notifications, announcements, administrative messages, and other information pertaining to the use of our Services. After acceptance of these agreements, you may opt-out of some of these communications.

By using our Services on mobile devices, you agree to not use our Services that are in a manner to distract, detour or increase risk during operation of a moving vehicle or when obeying traffic and safety laws. By using our Services, you agree to hold TransferTo harmless for any activity that causes injury, damages property or violates laws in accordance with these terms.

Privacy and Copyright Protection

Our privacy policy explains how we treat your personal data and protect your privacy when you use our Services. By using our Services, you agree that TransferTo can use such data in accordance with our privacy policies.

We respond to notices of alleged copyright infringement and terminate accounts of repeat violators of copyright infringement according to the process defined in the U.S. Digital Millennium Copyright Act.

TransferTo complies with the U.S.-EU Safe Harbor Framework and the U.S.-Swiss Safe Harbor Framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information from European Union member countries and Switzerland. TransferTo has certified that it adheres to the Safe Harbor Privacy Principles of notice, choice, onward transfer, security, data integrity, access, and enforcement. To learn more about the Safe Harbor program, and to view TransferTo’s certification, please visit http://www.export.gov/safeharbor/.

TransferTo has also agreed, as part of its compliance with the U.S.-EU Safe Harbor Framework and the U.S.-Swiss Safe Harbor Framework, to participate in the dispute resolution procedures of an independent recourse mechanism administered by the International Centre for Dispute Resolution, (ICDR), which is the international division of the American Arbitration Association (ICDR/AAA). The ICDR/AAA Safe Harbor Program dispute resolution procedures would be administered by the ICDR/AAA pursuant to its International Arbitration Rules as modified by the procedures provided at http://go.adr.org/safeharbor. Affected individuals who do not receive timely acknowledgment of their complaints or whose complaints are not satisfactorily addressed by TransferTo may file online, or by mail or fax as directed at http://go.adr.org/safeharbor for resolution pursuant to the Safe Harbor Privacy Principles.

Your Content in our Services

If using our Services and you submit content, the following terms apply as outlined. You will retain ownership of any intellectual property rights that you hold in that content. TransferTo does not assume ownership of intellectual property that you provide in conjunction with using our Services.

When you upload or otherwise submit content to our Services, you give TransferTo (and those we work with) a worldwide license to use, host, store, reproduce, modify, create derivative works (such as those resulting from translations, adaptations or other changes we make so that your content works better with our Services), communicate, publish, publicly perform, publicly display and distribute such content. The rights you grant in this license are for the limited purpose of operating, promoting, and improving our Services, and to develop.

We collect information in two ways:

  1. Information you give us.

    If our Services require you to sign up for a TransferTo account, and or if, you do, you may have to provide personal information. We will not in any way use any financial information you submit in conjunction of creating an account, unless allowed by law. We do often encourage ways to take full advantage of the sharing features we offer. This may include using personal information to create publically visible profiles that may or may not include names, photos and other personal information. You can request in writing to not have your information displayed publically in any manner, in conjunction with signing up for a TransferTo account as part of a Service requirement.

  2. Information we get from your use of our Services.

    We may collect information about the additional services that you use and how you use them, as it applies to advertising and content specific promotions. The information we collect may include:

    Details of how you used our Service, search queries, telephony log information, or SMS routing. This is a sampling of the information we may collect, not an exhaustive list. If you would like to have more information on this, please contact us under the Help menu.

    Unique Application Numbers
    Certain Services include a unique application number. This number and information about your installation (for example, the operating system type and application version number) may be sent to TransferTo when you install or uninstall that service or when that service periodically contacts our servers, such as for automatic updates.

Warranties and Disclaimers

We provide our Services using a commercially reasonable level of skill and care and operate within all state or federal laws. However, TransferTo does not make specific promises about the use of our Services or the success of using our Services. The following statements apply:

OTHER THAN AS EXPRESSLY SET OUT IN THESE TERMS OR ADDITIONAL TERMS, NEITHER TRANSFERTO NOR ITS SUPPLIERS OR DISTRIBUTORS MAKE ANY SPECIFIC PROMISES ABOUT THE SERVICES. WE DO NOT MAKE ANY COMMITMENTS ABOUT THE CONTENT WITHIN THE SERVICES, THE SPECIFIC FUNCTIONS OF THE SERVICES, OR THEIR RELIABILITY, AVAILABILITY, OR ABILITY TO MEET YOUR NEEDS. WE PROVIDE OUR SERVICES “AS IS”.

SOME JURISDICTIONS PROVIDE FOR CERTAIN WARRANTIES, LIKE THE IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. TO THE EXTENT PERMITTED BY LAW, WE EXCLUDE ALL WARRANTIES.

About these Terms

We may modify these terms or any additional terms that apply to a Service to reflect changes to the law or changes to our Services. TransferTo will post notice of modifications to these terms on this page. We will post notice of modified additional terms in the applicable Service. Changes will not apply retroactively and will become effective no sooner than fourteen days after they are posted. However, changes addressing new functions for a Service or changes made for legal reasons will be effective immediately. If you do not agree to the modified terms for a Service, you should discontinue your use of that Service.

If there is a conflict between these terms and the additional terms, the additional terms will control for that conflict.

These terms control the relationship between TransferTo and you. They do not create any third party beneficiary rights.

If you do not comply with these terms, and we do not take action right away, this does not mean we are forfeiting any rights that we may have (such as taking action in the future).

The laws of California, U.S.A., excluding California’s Conflict of Laws rules will apply to any disputes arising out of, or relating to these terms or the Services. All claims arising out of, or relating to these terms or the Services will be litigated exclusively in the federal or state courts of Santa Clara County, California, USA. You and TransferTo consent to personal jurisdiction in those courts.

If you have any questions or concerns about our Services or these Terms, you may contact us.

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