RemitLite : Fast and Safe way to Send Money and Transfer Money to India.

1. TERMS AND CONDITIONS OF THE WEBSITE

2. DEFINITIONS AND INTERPRETATIONS

3. WEBSITE

4. ELIGIBLE USERS

5. REGISTRATION INFORMATION (IDS AND PASSWORDS) AND SECRECY

6. CONDUCT OF VISTORS, REGISTERED USERS AND CUSTOMERS

7. OTHER TERMS

8. TERMS OF SUPPLY OF FACILITIES - GENERAL

9. PROFESSIONAL ADVICE

10. PROPRIETARY AND INTELLECTUAL PROPERTY RIGHTS

11. AUTHORITY TO COMPANY

12. NO AGENCY

13. NO OBLIGATION FOR MAINTENANCE

14. INDEMNITY

15. TERMINATION

16. GOVERNING LAW & JURISDICTION

17. NO WAIVER

18. SEVERABILITY

19. LIMITATION

20. NOTICES

21. MISCELLANEOUS

22. TERMS FOR NRE TRANSFERS ON REMITLITE

23. SPECIAL OFFERS & PROMOTIONS

24. COMPLAINT RESOLUTION

1. Terms and Conditions of the website: 1.1. Moneydart Global Services Inc. d/b/a Xpress Money, ("Moneydart") is a corporation incorporated in the state of New York. Moneydart presently has its registered office at 1000 Woodbridge Center Drive, Woodbridge, NJ 07095, USA. These Terms and Conditions govern your use of Remitlite service -. You may access the service through the website page located at www.remitlite.com (the "Website"). Moneydart 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"). Moneydart or a Service Provider owns and maintains the Website. You must accept and agree to abide by the Terms and Conditions before accessing or using the Website or availing of any of the Facilities, products or services offered on the Website.

1.2. 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, which together with our Privacy Policy govern your relationship with us or use of the Website. In case you do not agree to accept and abide by the Terms and Conditions, do not access or use this Website or any pages thereof and do not avail of any of the Facilities, products or services offered on or through the Website.

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

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2. DEFINITIONS AND INTERPRETATIONS:

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 Moneydart to you from time to tim

"Call Centre"

means the call centre which may be set up by Moneydart 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.

"Customer ID/ Registered User ID"

means the user name identification chosen by the Consumer and registered by the Website which, along with the Consumer Password, has enabled the Consumer to -

avail of Facilities and enter into transactions in respect of the Facilities offered on the Website.

access Consumer Registration, register a change in Consumer Registration as the Website may permit ; and

do such other acts as the Website may permit or to access the Website.

"Consumer Password / Registered User Password"

means the password chosen by the Consumer (or auto-generated, as the case may be) and registered by the Website which, along with the Consumer ID, will enable the Consumer to -

avail of Facilities and enter into transactions in respect of the Facilities offered on the Website,

access Consumer Registration, register a change in Consumer Registration as the Website may permit; and

do such other acts as the Website may permit or to access the Website

"Facility"

means any present and future product, service or facility displayed or offered on or through the Website.

"Person"

includes an individual, a company, a body corporate, an association of persons (whether incorporated or not), a trust, a partnership firm, a society and the government.

"Registered User"

means any Visitor who has registered himself/herself with the Website but who has not entered into any transactions in respect of the services and products offered on the Website.

"Service Provider"

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

"T-PIN"

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

"the Terms and Conditions"

means the terms and conditions set out above and below and also all other terms and conditions contained elsewhere on the Website from time to time.

"Moneydart's Affiliates"

means any other body corporate which controls, is controlled by, or is under common control with, Moneydart.

"Visitor"

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

"the Website"

means the Website presently maintained by Moneydart at www.remitlite.com and includes the pages of the Website and any applets, software and content contained in the Website.

"You" and "Your" refer to the person who accepts and agrees to the terms and conditions of this Agreement.

"Receiver/Beneficiary/Recipient" refers to the person that you designate to receive the funds from the remittance payment.

"Remitting Bank" means Moneydart's and /or Moneydart's Affiliates banking partners as decided from time to time with respect to the Facilities provided through the Website.

"Business day" means any day that is not a Saturday, Sunday or bank or public holiday in the place where the visitor visits the website or the Receiver receives the payment.

"Payment Bank Account" means the bank account that you provide to Moneydart 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.

2.2.

In these Terms and Conditions 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.

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3. WEBSITE:

3.1. The Website primarily facilitates the display and offering of Facilities by Moneydart on a no-liability and no-obligation basis. Information and Facilities on the Website may be displayed and offered in a phased manner at the discretion of Moneydart. From time to time and in its discretion, Moneydart 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 remitlite facility ("Remittance Facility") only. It is governed by separate set of laws different from the other Terms and Conditions. This section affects your rights and you should read it carefully. By accessing and using the Remittance Facility, you accept and agree to this section.

Subject to the applicable regulatory approvals, terms and conditions imposed while granting the necessary regulatory approvals and other terms of the Facility, on it being made available, enables you to remit or send foreign currency (i.e. currency which is not INR) from a country outside India to a designated bank account in India after conversion into INR. Fund transfer in INR for the Facility is offered by Moneydart in association with the Remitting Bank. Moneydart is also responsible for recording remittance requests, order tracking and communication.

Moneydart is responsible for acting on the remittance requests, collecting money in foreign currency, converting it into INR and remitting it to the Beneficiary in India as instructed by the remitter of funds i.e. you. The foreign exchange conversion rate shown for the calculation on the Website is only indicative to help you to arrive at an approximate INR amount that the Beneficiary will receive. It in no way guarantees or represents, the foreign exchange conversion rate that will actually be applied to the foreign exchange sent by you (the remitter).

You should pay the foreign currency as per the instructions stated on the Website by the mode as may be decided by Moneydart from time to time.

The Remitting Bank will remit the funds to India only after it has received a confirmation that such foreign currency has been received in its bank account. Thereafter, after deducting the appropriate charges/fees, the funds will be transmitted by the Remitting Bank to the bank account in India designated by you. If it comes to the notice of Moneydart 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, Moneydart / the Remitting Bank may cancel the requested remittance transaction and you shall bear full liability and responsibility for the same. In addition thereto, you will bear a nominal charge of USD 20. In the event the insufficiency of funds is learnt by Moneydart after the recipient of the remittance has received the remittance, you will be liable to reimburse Moneydart (as applicable) of the amount remitted and any other charges and costs incurred by Moneydart and/or the Remitting Bank. You agree to pay such amount immediately upon Moneydart's demand along with the revolving interest @ 2% per month from the date of the remittance by the Remitting Bank till the receipt of funds by Moneydart from you. You also agree to pay for all costs associated with the recovery of amounts owed to the Remitting Bank and/or Moneydart, including reasonable attorney's fees and court fees. Moneydart shall also be entitled to inform any credit bureau or any other person or entity including the law enforcement agencies if you fail to pay/reimburse such amount or any part thereof.

In case funds are not received by Moneydart and the disbursement is made to the Beneficiary, Moneydart shall have every right of recovering those funds along with charges from the consumer. By initiating a transaction on the Website, you are aware and agree that the funds may be credited to the account of the Beneficiary even before the funds are received by Moneydart. In such an event, you agree to make good the shortfall/losses (if any) that Moneydart may incur. You further agree that a mere demand from Moneydart in such circumstances shall be good reason for you to make good the shortfall/loss without any demur or delay.

The funds shall be transferred to the Beneficiary's bank account on a best efforts basis, and such remittance shall be dependent on other factors which may be beyond the control of Moneydart, including but not limited to NEFT cycles in which Moneydart / Remitting Bank participates (and not all NEFT cycles made available by the Reserve Bank of India), public, national and bank holidays in the receiving country and the country from where the funds are transferred, remittance request clearing the compliance standards laid down by Moneydart, uninterrupted technical support available to Moneydart, some unforeseen event beyond the control of Moneydart, etc.

While it shall be Moneydart's endeavour to adhere to the time schedule indicated by it on the Website, Moneydart or the Remitting Bank will not be responsible or liable for any changes in the time schedule for execution of your instructions or remittance / credit of funds for any reason. Nothing provided on the Website should be construed as advice of any nature and you are advised to consult professionals in this regard prior to taking any decision. Further, the Facility does not, in any way, solicit or encourage you to enter into any such transaction. Moneydart and/or the Remitting Bank shall not, under any circumstances, be responsible for any loss suffered due to any fraud or other actions of the Consumer. Further, the Facility is offered subject to the applicable laws of any other country, including the country from which the funds are to be remitted, and it shall be your responsibility to ensure that these laws are adhered to. Moneydart accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country. The mere fact that the Website can be accessed or used or any facility can be availed of in a country other than India would not mean that the laws of such country would be applicable

The Consumer has to specify the purpose of remittance at all times. The Consumer assures that all remittances booked on the Website shall not be towards the purpose of ECB, advanced remittance for professional services not rendered and/or capital infusion as defined by the Reserve Bank of India or any prohibited purposes as may be specified by Reserve Bank of India from time to time.

You hereby undertake that by sending funds to India, you are not violating any exchange control laws stipulated by the Government of India and/or the Reserve Bank of India or laws of the country from where the funds are being remitted.

Remitting Bank shall in no way be held responsible and/or be liable for any errors, disputes or delays in messaging, money transmission, currency conversion, conversion rates offered, payment to the beneficiaries of the remittances or any other claim or dispute apart from banking errors at the Remitting Banks end. Moneydart will, however, assist you in all service related issues and queries regarding transaction status including the support of the Remitting Bank to facilitate resolution of such queries to the best of Moneydart's ability.

The above terms and conditions are in addition to the additional terms and conditions relating to the Facility appearing elsewhere on this Website or otherwise now or hereafter agreed or deemed to be agreed by you.

This Remittance Service Agreement ("Agreement") sets forth the terms and conditions under which Moneydart and/or Remitting Bank will provide the Remittance Facility to you upon your request. These terms and conditions affect your rights and you should read them carefully. By accessing and using the Remittance Facility, you accept and agree to the terms and conditions in this Agreement.

A. Definitions in this Agreement.

The words "you" and "your" refer to the person who accepts and agrees to the terms and conditions of this Agreement

The words "we", "us" "Remitting Bank" refer to the bank as defined under the clause 2.1.

The word "Beneficiary" refers to the person that you designate to receive the funds from the remittance payment.

The word "Business Day" means any day that is not a Saturday, Sunday or bank holiday for Remitting Bank.

The word "Payment Account" means the bank account that you provide to Moneydart 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.

B. Scope of Agreement.

This Agreement applies to the remittance payments that you request through the Remittance Facility. You also may be subject to other terms and conditions when using the Website and other Moneydart services. Moneydart and/or the Remitting Bank is only responsible for processing remittance payments you request and authorize through the Remittance Facility. Moneydart or a Service Provider is responsible for operating the Website and for responding to Consumer service questions regarding the Remittance Facility.

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

D. Description of the Remittance Facility.

You may use the Remittance Facility to send money to a Beneficiary located in India. The Remittance Facility may only be used to send remittance payments to a Beneficiary located in any permissible beneficiary country designated on the Website from time to time. You must be at least eighteen (18) years of age, and a resident of the United States of America in order to use the Remittance Facility.

Use of the Remittance Facility does not establish a checking account or any other form of a bank account for you or the receiver. THE REMITTANCE FACILITY DOES NOT CONSTITUTE OR CREATE A FIDUCIARY OR ESCROW CAPACITY BETWEEN YOU AND MONEYDART OR IT'S AFFILIATES. FUNDS HELD WHILE PROCESSING A REMITTANCE PAYMENT REQUEST ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION 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.

E. Authority to Charge Payment Bank Account.

By requesting a remittance payment through the Remittance Facility, you authorize Moneydart to charge your Payment Bank Account for the amount of the requested remittance payment and any service fees. You understand and acknowledge that Moneydart has no obligation to process or complete a requested remittance payment if Moneydart 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 Moneydart are subject to the terms and conditions stated in this Agreement.

In the event that the charge to your Payment Bank Account is subsequently returned, charged-back or cancelled for any reason, and Moneydart has already processed your remittance payment request, you will be responsible to Moneydart for the amount of the remittance payment. You agree to pay such amount, plus any applicable service fee or in-sufficient funds fee applicable to the return, to Moneydart immediately upon demand.

F. Reliance by Moneydart.

When processing a remittance payment, Moneydart may rely on the registration information and remittance payment request information that you provide to Moneydart. Any errors in the information, including misidentification of Beneficiary(s), incorrect or inconsistent bank account names and numbers, or misspellings, are your responsibility.

G. Execution of a Remittance Payment Request.

Moneydart is dependent on the Remitting Bank to execute your remittance payment request. If your remittance payment request is received by Moneydart on a day that is not a business day of Moneydart or Remitting Bank, or on a business day after an established cut-off time for processing, your remittance payment request will not be processed until the next business day. The applicable cut-off time may vary from time to time, and will be disclosed to you on the Website.

H. Payment of Funds to Receiver.

Remitting Bank and/or Moneydart -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 Moneydart reserves the right to change payment method options. Remitting Bank also reserves right to select form of payment to beneficiary. Remitting Bank and/or Moneydart -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.

Moneydart or Remitting Bank reserves the right to establish identification and verification requirements for a Beneficiary to receive the funds from a remittance payment. Moneydart and/or Remitting Bank may rely, without further investigation, upon identification information or documentation provided by you or a Beneficiary, including any code or identifier number of the remittance payment, when making a payment of funds to the Beneficiary. Moneydart and/or Remitting Bank shall not be liable for any error in the proper identification of the Receiver. You shall be liable for the money remittance to unintended Recipient with a seemingly valid identification of the intended Receiver.

I. Currency of Remittance Payment.

Remittance payments to Beneficiaries are generally made in the currency of the country within which the Beneficiary is located. If permitted by applicable law and the Remittance Facility, a remittance payment may be requested in USD.

If conversion is required, Moneydart and/or Remitting Bank and/or Moneydart -designated Service Providers will convert a USD remittance payment to the local currency at the exchange rate for a transfer in that amount in effect at that time. Regardless of the currency transferred, the actual amount that the Beneficiary receives may be reduced by charges imposed Moneydart or other intermediary banks, including a service fee for currency conversion.

J. Permissible Remittance Payments.

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

K. Rejection of Remittance Payment Request.

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

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.

L. Service Fees and Charges.

You authorize Moneydart to charge your Payment Bank Account for any applicable service fees and charges for your use of the remittance service in accordance with the Remittance Facility fee schedule in effect at the time you make a remittance payment request.

You acknowledge and agree that Remitting Bank and/or Moneydart 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 Website.

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

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

N. Refund.

If you request the cancellation and refund of a previously requested remittance payment, Moneydart is under no obligation to process or honour such a request.

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

In either of the events, where Moneydart does refund a previously requested remittance payment, the amount of funds that are returned to you may be less than you originally paid for the remittance payment because of service charges, foreign taxes and difference in exchange rates. Your returned funds will be in the same currency in which the transaction was initiated. Moneydart shall not be liable to you for any loss resulting from Moneydart's inability to cancel or refund a remittance payment. If Moneydart determines to refund remittance payment funds to you, these funds may be returned to you either by a credit to your Payment Bank Account or by check payment, at Moneydart's option.

You can cancel your transaction for a full refund within 30 minutes of authorizing your transaction, unless the funds have already been paid out to the Recipient. After 30 minutes, we generally do not provide refunds unless we did not process your transaction according to your instructions or we are unable to pay out the transaction. To request a refund, please contact our Call Centre.

For California:

If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you don't receive your refund, you may be entitled to your money back plus penalty of up to USD 1,000 and attorney's fees pursuant to section 2012 of the California Financial Code.

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 USD. Refund amounts will not be adjusted to account for changes in the value of the USD or foreign currency from the time your transaction was submitted.

For Washington:

Moneydart 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:

(a) The funds have been transmitted and delivered to the person designated by you prior to receipt of the written request for a refund;

(b) 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;

(c) Moneydart 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

(d) Moneydart is otherwise barred by law from making a refund.

O. Limitation of Liability.

Moneydart 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 Moneydart and/or Remitting Bank's error or negligence, then Moneydart's sole obligation to you is to correct the error or to refund the amount of the requested remittance payment and applicable Remitting Bank fees and charges. YOU UNDERSTAND AND AGREE THAT THE SERVICES IS PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS. TO THE EXTENT PERMITTED BY LAW, MONEYDART DISCLAIM ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT; MONEYDART MAKE NO WARRANTY THAT THE REMITTANCE FACILITY WILL BE (I) UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (II) THE RESULTS OBTAINED FROM USE OF THE REMITTANCE FACILITY WILL BE ACCURATE, RELIABLE OR TO YOUR EXPECTATIONS. USE OF THE SERVICE IS AT YOUR OWN RISK. IN NO EVENT SHALL MONEYDART BE RESPONSIBLE FOR ANY PUNITIVE, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXPENSES ARISING IN CONNECTION WITH A REMITTANCE PAYMENT OR THE REMITTANCE FACILITY. Moneydart shall not be liable for non-performance or delay or loss or damage resulting from, failure to locate, or error in identifying, the named Recipient, or resulting from because of abnormal and unforeseeable circumstances outside our control-including, for example, delays or failures caused by industrial action, problems with another system or network, mechanical breakdown or data-processing failures. Moneydart is not liable to you for more than the principal amount of your transaction and the transfer fee, except as otherwise provided by law. Moneydart and their employees, or service partners or agents, or consultants will not under any circumstances will not be liable for any incidental, indirect, special or consequential losses or costs you suffer or, any business losses or costs (such as loss of business profits or opportunities). Moneydart acts only as a money transmitter and accepts no responsibility or liability arising from transactions between you and any third parties. You are cautioned from using the Remittance Facility to purchase goods or services on the internet, and from sending money to any person or institution you do not know or trust. You are prohibited from using the services for gaming, gambling or any other illegal purposes. If you choose to do any of the cautioned or prohibited activity, the same will be at your own risk and consequences. In no event shall Moneydart be liable for any damages and/or losses for delay, non-delivery, non-payment, under-payment, or without limitation any other event relating to your transaction, whether due to the fault, error or omission of Moneydart or its service partners, for more than the principal amount of your transaction and the transfer fee, except as otherwise provided by the law. In any event, an action or proceeding by you to enforce any obligation, duty or right arising under the Agreement must be commenced within one (1) year from the date that such cause of action accrues. In no event shall Moneydart's liability ever exceed the amount of the remittance payment. The foregoing shall constitute Moneydart's entire liability and your exclusive remedy.

P. Indemnity.

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

Q. Arbitration of Disputes.

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

R. Amendments.

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

S. 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, Moneydart 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 Moneydart electronically at the Website or by email. You acknowledge and agree that in order to use the Remittance Facility you must have a monitor and computer equipped with at least: an Internet browser with 128 bit encryption and either a printer or a disk drive or other electronic storage device. You agree that if you remove your consent to receive electronic communications, Moneydart 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 Moneydart with respect the remittance payment requested through the Remittance Facility. In the event of a conflict, the official records of Moneydart will control over any service messages.

T. Governing Law.

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

U. Use of Information; Privacy Policy.

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

V. Agreement to Terms and Conditions.

By clicking "I Agree", you acknowledge that you have read, understood, accept and agree to the terms and conditions of this Agreement or other Terms and Conditions as may be amended from time to time. You also confirm that you are able to print or download a copy of this Agreement.

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4. ELIGIBLE USERS:

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

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

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

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5. REGISTRATION INFORMATION (IDS AND PASSWORDS) AND SECRECY:

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

5.2. You agre -

a. to provide true, accurate, current and complete information about yourself as prompted by the registration form on the Website, and

to maintain and update this information from time to time and to keep it true, accurate, current and complete at all times.

You shall indemnify Moneydart for any losses caused to Moneydart due to any information provided by you to Moneydart being untrue, inaccurate, not current or incomplete in any respect, and Moneydart shall not be responsible for any losses sustained by you due to any information provided by you to Moneydart being untrue, inaccurate, not current or incomplete in any respect. If any information provided by you is untrue, inaccurate, not current or incomplete, Moneydart 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 Moneydart and hold Moneydart 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-

a. immediately notify Moneydart 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.

b. 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 Moneydart shall have no obligation to verify the authenticity of any such transaction or activity. Moneydart 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 Moneydart at the address provided on the Website giving your date of birth and transaction details satisfactory to Moneydart. On Moneydart being satisfied of your identity (which satisfaction shall be entirely at the discretion of Moneydart), Moneydart shall send the ID to your e-mail address registered with Moneydart. You shall be responsible for continuing to maintain this e-mail address. Moneydart 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 Moneydart may specify) to Moneydart at the address provided on the Website giving your ID and date of birth and such other information, if any, as Moneydart may require. On Moneydart being satisfied of your identity (which satisfaction shall be entirely at the discretion of Moneydart), Moneydart shall send the password to your e-mail address registered with Moneydart. You shall be responsible for continuing to maintain this e-mail address. Moneydart 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, Moneydart 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, Moneydart 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, Moneydart 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 Moneydart may deem fit.

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

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6. CONDUCT OF VISTORS, REGISTERED USERS AND CONSUMERS:

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 Moneydart) 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, Moneydart and/ or any of the Service Provider; post, publish, transmit, reproduce, distribute or in any way exploit any information, software or other material obtained from or through the Website for commercial purposes (other than as expressly permitted by the provider of such information, software or other material); attempt to decompile or reverse engineer any of the software, script, codes or other information available on or through the Website. You will not make any attempt to hack into the Website or otherwise attempt to subvert any firewall or other security measure of the Website and if you become aware of any shortcoming in the security on the Website you shall forthwith inform Moneydart 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 Moneydart and Remitter and Beneficiary shall not have any right whatsoever against Moneydart. Moneydart will communicate with the Remitter and shall not be liable to revert to any query of the Beneficiary. The Remitter hereby agrees to keep Moneydart indemnified and harmless against any action of the beneficiary against Moneydart.

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7. OTHER TERMS:

7.1. The user agrees that Moneydart and / or Moneydart's Affiliates might, at times, contact him/ her/ Beneficiary either through phone, email or other means of communication with the intention of explaining benefits of, or working of, or promotions currently running on the various products and services provided by Moneydart.

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

7.6. Moneydart shall endeavour to take reasonable measures, which may include encryption, to ensure that your personal information is not disclosed to any person except to Moneydart, Remitting Bank, designated service providers, and/or other persons to whom the information may be provided as per Moneydart's Privacy Policy and other persons specified by you. However, the Internet is an open system and Moneydart cannot, and does not, guarantee that the personal information which you furnish will not be intercepted and/or decrypted and/or accessed by others. Moneydart, the Remitting Bank and designated service providers shall not be liable or responsible should any confidential or other information provided by or pertaining to you (included bank account numbers, passwords, personal identification numbers, IDs, transaction details, etc.) be intercepted and/or subsequently used by such third parties. Moneydart 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. Moneydart is not responsible or liable for the performance, quality or any other aspect of any rewards, prizes or items manufactured or supplied by third parties against any redemption of the points or otherwise pursuant to such scheme, and your recourse for the same will be only against the persons who have manufactured or supplied the same. Eligibility of Rewards points, awarded as per the applicable policies, is exclusive. This cannot be clubbed with any existing offer, unless otherwise specified explicitly. Redemption of reward points for free transactions are subject to special conditions which may vary on the mode of remittance other factors, if any.

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

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

7.10. Consumer shall be allowed to remit money for the following purpose (i) Family Maintenance (ii) Gifting and (iii) Credit to Non Resident Rupee /Non Resident Ordinary Rupee bank accounts and such other purposes that may be allowed as per applicable law (including purposes permitted by the Reserve Bank of India) ["Permitted Purposes"] or any other purpose as may be available on the website Consumer shall be able to initiate remittances only through their personal bank account and shall be able to remit money only to personal bank account of beneficiary. No credits to corporate bank accounts shall be permitted and Moneydart 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.

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8. TERMS OF SUPPLY OF FACILITIES - GENERAL:

8.1. Moneydart offers its Facilities strictly on a no liability basis. Accordingly, while Moneydart shall endeavour to offer such Facilities as per their terms, no claim shall lie against Moneydart, and Moneydart 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 Moneydart or on any other registration whatsoever. You should avail of Facilities provided by Moneydart only if you agree to the above.

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

8.3. If you wish to avail of a Facility, you may be asked by Moneydart to supply certain information, including but not limited to bank account or other payment mechanism information. You agree that all information you provide to Moneydart will be your information only and it will be accurate, complete and current.

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

8.5. The records of access, instructions, transactions and other activities maintained or caused to be maintained by Moneydart 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 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.

8.6. Facilities are offered only to persons who are residents or citizens of states and countries where Moneydart operates and can offer and provide such Facilities. By offering Facilities on this Website, Moneydart is 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.

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

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

8.9. Moneydart shall endeavour to carry out the requests received under the Facilities. However, Moneydart 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.

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

Alerts -

Moneydart 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 Moneydart nor the Service Providers would be responsible or liable for non-dispatch or delay in dispatch of the Alerts by Moneydart and/or the Service Providers or any delay in receipt or on-receipt of the Alerts for any reason whatsoever. Under no circumstances shall Moneydart and/or the Service Providers be liable for any costs, damages or other amount whatsoever for such non-dispatch or delay in dispatch or any non-receipt or delay in receipt of the Alerts. Non- receipt of Alerts will not discharge or reduce your liability to pay any amount to Moneydart which would have been payable in the event of proper receipt of the Alerts.

Customised News -

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

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9. PROFESSIONAL ADVICE:

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. Moneydart 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 Moneydart 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 Moneydart 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.

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10. PROPRIETARY AND INTELLECTUAL PROPERTY RIGHTS:

Moneydart or Moneydart's Affiliates is the owner and/or authorized user of any trademark, registered trademark and/or service mark appearing on the Website (except those which are marked otherwise)., and is the copyright owner or licensee of the content and/or information on the Website including but not limited to any text, images, illustrations, audio clips, video clips and screens appearing on the Website (except those which are marked otherwise). All rights on the Website are reserved and you may not download and/or save a copy of the Website or any part thereof including any of the screens or part thereof and/or reproduce, store it in a retrieval system or transmit it in any form or by any means - electronic, electrostatic, magnetic tape, mechanical printing, photocopying, recording or otherwise including the right of translation in any language without the express permission of Moneydart (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 Moneydart or Moneydart's Affiliates or designated service providers. However, you may print a copy of the information on this Website for your personal use or records. This Website is for your personal use. If you make other use of this Website, except as otherwise provided above, you may violate copyright and other laws of various countries, and may be subject to penalties. Moneydart and/or the designated service providers do not grant any license or other authorization or user of its trademarks, registered trademarks, service marks, or other copyrightable material or other intellectual property by placing them on the Website.

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11. AUTHORITY TO MONEYDART / MONEYDART SUBSIDIARIES/ MONEYDART AFFILIATES, SERVICE PROVIDER:

You irrevocably and unconditionally authorise Moneydart, its subsidiaries, affiliates or Service Providers to access all information relating to you (including personal information and information relating to access and use of the Website and Facilities by you and the transactions entered into by you). Subject to the Privacy Statement, all information submitted on or via the Website shall be deemed to be and remain the property of Moneydart. Moneydart, Service Providers, and Moneydart's Affiliate shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in any information you may provide to or through the Website. Moneydart, Moneydart's Affiliate and Service Providers shall not be subject to any obligations of confidentiality regarding submitted information except as otherwise expressly agreed by it directly with you. Moneydart 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.

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12. NO AGENCY:

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, Moneydart, any or any Service Provider, except where otherwise specifically agreed or appointed.

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13. NO OBLIGATION FOR MAINTENANCE:

Moneydart has no obligation to monitor the functioning of the Website. However, you acknowledge and agree that Moneydart has the right to monitor the functioning of the Website electronically or otherwise from time to time and to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Website properly or to protect itself or its Service Providers, Visitors, Users or Consumers. Moneydart will not intentionally monitor or disclose any private electronic-mail message to any third party unless required by law. Moneydart 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. Back to Top

14. INDEMNITY:

You agree to defend, indemnify and hold Moneydart, its directors, officers, employees, and Service Providers harmless from any and all claims, liabilities, damages, costs, expenses and proceedings, including reasonable attorneys' fees, arising in any way from your use of the Website or the placement or transmission of any message, information, software or other materials through the Website by you or users of your ID and password or related to any violation of the Terms and Conditions by you or users of your of your ID and password, and any claims dispute or differences between you and any Supplier.

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15. TERMINATION:

15.1 Termination by Moneydart /Website -

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

15.2 You acknowledge and agree that Moneydart may in its sole discretion deny you access through Moneydart to any materials stored on the Internet, or to access third party services, Facilities, merchandise or information on the Internet through the Website, and Moneydart 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.

15.3 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 Moneydart. The termination shall take effect on the completion of the fifteenth day from the date of receipt of the notice by Moneydart. 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.

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16. GOVERNING LAW & JURISDICTION:

16.1 The Website, the Terms and Conditions, all transactions entered into on or through the Website and the relationship between you and Moneydart shall be governed by and construed in accordance with the laws of state of New Jersey and no other nation, without regard to the laws relating to conflicts of law.

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

16.3 You and Moneydart 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 Moneydart shall be subject to the exclusive jurisdiction of the competent courts located in New Jersey and you hereby accede to and accept the jurisdiction of such courts. Provided that, notwithstanding what is stated above, if Moneydart so thinks fit Moneydart may institute proceedings against you in any other court or tribunal , as deemed fit by Moneydart on account of having jurisdiction.

16.4 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.

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17. NO WAIVER:

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

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18. SEVERABILITY:

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, Moneydart, 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.

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19. LIMITATION:

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.

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20. NOTICES:

20.1. Moneydart may give notice to you by e-mail, letter, telephone or any other means as Moneydart may deem fit to the address last provided by you. Notices under the Terms and Conditions may be given to Moneydart by you in writing by delivering them by hand or by sending them by post to Moneydart's address mentioned on the Website. Moneydart may, but shall not be bound to, act upon notices and instructions given by you to Moneydart by e-mail, letter, telephone or any other means as Moneydart may deem fit. Moneydart 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.

20.2. In addition, Moneydart 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).

20.3. 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 Moneydart 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 Moneydart. Moneydart shall also be entitled to act on the basis of any instructions received or purported to be received by Moneydart from you by e-mail or other electronic means or via the internet. Moneydart shall also be entitled (but not bound) to act upon fax instructions and communications

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21. MISCELLANEOUS:

21.1. 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.

21.2. Moneydart 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.

21.3. Moneydart may from time to time send by e-mail or otherwise or notify by calling, information relating to products and services offered by it or its Alliance Partners or any other entities, the Facilities, general information related to financial and other services, advertisements of various products and services etc. to you. By accepting the terms and conditions, you hereby authorize Moneydart 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 Moneydart, unless you express your intent to discontinue from receiving such communication.

21.4. 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.

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

21.6. 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.

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22. Terms for NRE exchange rates

22.1 NRE Transfers Exchange Rates will be applied only if:

A. It is to your own personal and valid NRE Account in India.

B. Your NRE Account Bank is in the "Select Bank" drop down on RemitLite.

C. For amount greater than USD 10000, your KYC (Know Your Customer) details have been verified & approved by COMPANY.

D. Remitter name as registered with RemitLite & the name of the beneficiary holding the NRE account exactly match.

E. NRE Account details in India are correctly entered on RemitLite.

F. Delivery mode chosen for the transfer is "Account Credit".

G. Payment option is NRE-ACH .(ACH - Automated Clearing House)

22.2 Terms of Usage of the site with reference to the visitor:

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23. SPECIAL OFFERS & PROMOTIONS

23.1 From time to time, Moneydart may run special offers and promotions at its sole discretion. Consumers can avail of the same subject to any applicable terms and conditions including the following:

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

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

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: Customers would not be entitled to reward points while availing of any of the offers.

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

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

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

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

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24. COMPLAINT RESOLUTION
If you have a complaint, first contact the consumer assistance division of TOM at service@remitlite.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
2990 Brandywine Road, Suite 200 Atlanta,
Georgia 30341 -5565
Telephone: (770) 986-1633,
Toll Free:(888) 986-1633
http://dbf.georgia.gov/

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
THE MONEY TRANSMITTER - THE COMPANY THAT SENT YOUR MONEY

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 GEORGIA
DEPARTMENT OF BANKING AND FINANCE
2990 Brandywine Road, Suite 200 Atlanta,
Georgia 30341 -5565
Telephone: (770) 986-1633
Toll Free:(888) 986-1633
Website: http://dbf.georgia.gov/

FOR COMPLAINTS IN THE STATE OF ILLINOIS
ILLINOIS Division of Financial and Professional Regulation
320 W. Washington Street, 3rd Floor
Springfield, IL 62701
1-888-473-4858 (toll-free)
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
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/

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BY ACCESSING AND / OR USING THIS WEBSITE OR PORTION / PAGE THEREOF AND / OR ANY FACILITIES YOU AGREE TO THE TERMS AND CONDITIONS.

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