User Agreement

 

1. UGOCASH, LLC

This User Agreement, which is effective as of March 30, 2019, is a contract between you the “USER” and UGOCASH, as follows:

Your User Agreement is with the UGOCASH, LLC a united State Company

1.1. Part A: Introduction

Part A: Introduction

This User Agreement governs the terms under which you may use UGOCASH's UGOCASH Service ("UGOCASH" or the "Service"), and access and use UGOCASH APPS (for purposes of this User Agreement, "APPS" includes our Technology API platform, desktop, our mobile platforms, and our mobile applications) and the services associated with it. By signing up to this User Agreement, UGOCASH will set up a self-use money transmitter mobile application technology platform through which “you the user” can use the Service to transmit funds, money yourself. “you the user “can transfer money anywhere in where in the world on your own allowed by USA laws to family, friends, people you personally know or transact business with and view, track your Transaction history and contact details (the "UGOCASH Account"). No funds will be held in the UGOCASH Account as a result of your use of the Service. You acknowledge and agree that this User Agreement is between USER and the UGOCASH in your country of residence (“UGOCASH”). By accessing and using the Service, you are agreeing to the User Agreement. 

 

 

As used throughout this User Agreement, the terms "we", "us", and "our" “Technology Platform, Apps” refer to UGOCASH, together with its employees, consultants, directors, successors, subsidiaries, affiliates, and assignees. The terms "you the user" USER “and "your" refer to someone who uses the Service to send money, bill payment, Uwaleet or mobile reloads ("Sender")

 

Overview of the Service

  1. The Service is intended to allow Senders to send money remittances; Uwallet, mobile reloads, or bill payments around the world themselves. We recommend that Senders use the Service only to send money or mobile reloads, bills pay to, people you know personally, such as family, friends, business. You should never use the Service to send requests or money to strangers and violate any USA money transmitter laws.

  2. Where required by law, UGOCASH is a registered or authorized provider of money remittance facilitator services. All money transmission is transmitted by Senders using UGOCASH,s Technology platform apps as fascinator tools and must be use carefully by its user

A "Sender" is someone who uses the Service to send money, bill payment or mobile reloads. A "Recipient" is an individual who receives money or mobile reloads bill payment from a Sender through the UGOCASH ‘service. A "Service Company" is a utility or other entity that receives a bill payment from a Sender through the Service. A "Beneficiary" is someone for whom Sender transfer money, makes a bill payment, Uwallet, mobile reload through the UGOCASH service. (For example, and for illustration purposes only, if you use the Service to pay your relative's electric bill, your relative is your Beneficiary and the electric company which receives the payment is the Service Company for that Transaction). You understand that the person referred to as "Beneficiary" in this User Agreement may be referred to as the "Recipient" on your bill payment receipt. The "Recipient Country" is the country in which the Recipient or Service Company receives money or a mobile reload through the Service. A "Transaction" is a specific instruction to send money through the Service for a remittance, mobile reload or bill pay. The "Transaction Amount" is the amount that the Sender transmits trough and by our technology platform to send the Transaction, excluding the Transaction Fee (as defined in "Payment" below). The "Payout Amount" is the amount paid out to the Recipient or Service Company, excluding any taxes or charges that may be levied under the laws of the Recipient Country (the "Local Taxes"). All Transaction Fees (defined herein) related to the Service are made free and clear of, and without any deduction or withholding for and on account of, any taxes, duties or other deductions. Any such deduction or withholding, if required by the laws of any country are your sole responsibility

 

UGOCASH Technology platform “APP” is designed to FACILITE and help user for money transmission, bill pay, Uwallet between friends, family, traveller and people who know and trust one another. You may only use Ugocash money transfer, Uwallet and bill pay technology platform yourself trough mobile device, online at the convenient of your home on the go anywhere in the world to send money and pay bill, Uwallet between:

  • friends, family, traveller and people who know and trust one another

  • Ugocash’s Technology platform apps register user

  • Money from your own bank account, debit, credit card to known bank account or Uwallet

  • USER Sending, using, accessing, someone else’s bank account, contact, information illegally without the person approval, acceptance, knowledge is a violations of this user agreement and immediate termination, suspension of services, with UGOCASH.

  • Facilitates and make possible for user knowing and trust each other well, transact instant exchange transfer transactions without  the current ever leaving each country:

Example: Step1: Paul in US wants to send money to Peter in France, He sends his US Dollars through Ugocash’s app Peter account step 2.Ugocash matches with others user who wants to send euro to USA It crowd sources other users’ euro assignee to Peter account in France

UGOCASH Technology platform APP gives endless opportunities to USER,

 

UGOCASH Technology platform “APP” is a registered Commonwealth of Virginia, United States, s FinCen registered business and all users must abide its laws

All users under this user agreement are required to abide by its laws, rules and regulations

UGOCASH reserve the right to block, remove you including but not limited to refuse, exclude you without prejudice from its Technology platform usage without notice or warning

 

For under and the purpose of this user agreement and under the perjury of Justice states that

  • You are not under 18 years of age

  • You are legally sound and competent and consent to be bound by the user agreement

  • You are legal owner of all accounts and its accuracy you use, will, might use under this agreement at all time.

  • All transactions including but not limited to money transfer, bill pay, Uwallet are lawful and legal and you take full responsibility of its accuracy

  • Fully understand and agree that you are conducting, transacting, transferring money, bill pay and Using Uwallet yourself not UGOCASH and you hold Ugocash harmless including but not limited to you entering inaccurate information, contact, unknown person, scammer, illegal recipient.

  • UGOCASH  charges you for its services but not limited: fees, foreign exchange rate, extra services you might or  request from time to time

  • “You the User” understand, agreed and accept cannot and shouldn’t transfer or receive money, funds more than US ($9,000.00) Nine Thousand United State Dollars in one day  ( Example transfer or receive $9,00.01) will automatically terminate without  your services immediately with UGOCASH without notice or warning.

  

This User Agreement governs the terms under which you may use UGOCASH's Technology API Platforms and Service ("UGOCASH" or the "Online Technology API Platform Apps Service"), and download, access and use UGOCASH APPS,(for purposes of this User Agreement, " Online Technology API Platform, apps, websites" includes our apps, our mobile apps and our mobile applications) and the services associated with it. By signing up to this User Agreement, you understand and UGOCASH will facilities, enable set up your own account through which you can use its Online Technology API Platform, apps, Service to conducting  your own online transactions including but not limited to:

  • Transfer money from your bank account to someone you personally know, family, friend, associate

  • Bill payment, buy goods and services that you are 100% sure it’s yours or Authenticities.

  • Move money from your bank account to your UWallet and back to the bank

  • You are fully aware once you transfer any amount of money from the bank to your UWallet to someone , said amount is legally taking off your bank account into your Uwallet held electronically in your bank until you use or transfer back to your bank

  • UGOCASH Online Technology API Platform, apps doesn’t holds Uwallet ‘s money  only helps facility its movement of  usage

  • You fully understand and agreed that UGOCASH is not affiliated with any of your bank,  account or any beneficiary, receiver worldwide

  • UGOCASH Online Technology API Platform, apps is not a  transmitter company but facilities the transmission and disbursement

 

2.2. CONSUMER FRAUD ALERT: PROTECT YOURSELF FROM SCAMS AND FRAUD

CONSUMER FRAUD ALERT: PROTECT YOURSELF FROM SCAMS AND FRAUD

The Service is a secure and convenient way for you to conduct send money transfer to your Uwallet held in bank or mobile reloads to, or pay bills for family members and other people that you trust. However, scams and fraudsters are abundant and you should be cautious of deals or offer transactions yourself that seem too good to be true. We urge you not to send money or mobile reloads to, or make bill payments for, anyone that you do not know personally. Do never give Uwallet ID, PIN, information to anyone because Uwallet  is a cash put at side in reserved held in your bank waiting for you to access , use, buy goods, services and spend. Take care to safeguard your password, do not send or request for others, and use UGOCASH for legal purposes only. 

Please let us know immediately if you believe someone is trying to scam, access your account illegally or defraud you or if your username or password has been lost or stolen. Email our 24/7 support@ugocash.com.

3.3. SECURITY

SECURITY

Your security and the integrity of your UGOCASH Account are our top priorities and we work hard to secure your information. If you are aware of anyone or any entity that is using the Service inappropriately, please e-mail us at fraudalert@UGOCASH.com.

Please be aware that UGOCASH will never ask for your UGOCASH Account password. If you receive any fake (i.e., phishing) e-mails claiming to be from UGOCASH, please forward them to us at fraudalert@UGOCASH.com.

PART B: GENERAL SERVICE TERMS

1.1. Overview of the Service

Overview of the Service

  1. The UGOCASH Online Technology API Platform, apps Service is intended to facilities enable Senders to send money remittances, mobile reloads, or bill payments around the world by themselves. We recommend that Senders use the Service only to send money or mobile reloads to, or pay bills for, people you know personally, such as family and friends. You should never use the Service to send requests or money to strangers.

  2. Where required by law, UGOCASH is a Virginia USA registered business or authorized money remittance facilitator Online Technology API Platform, apps services. All money transmission Online Technology API Platform, apps is provided to Senders by UGOCASH

  3. A "Sender" is someone who uses the UGOCASH Online Technology API Platform, apps Service help and facilities user to send money, bill payment or mobile reloads. A "Recipient" is an individual who receives money or mobile reloads from a Sender through the Service. A "Service Company" is a utility or other entity that receives a bill payment from a Sender through the Service. A "Beneficiary" is someone for whom a Sender makes a bill payment through the Service. (For example, and for illustration purposes only, if you use the Service to pay your relative's electric bill, your relative is your Beneficiary and the electric company which receives the payment is the Service Company for that Transaction). You understand that the person referred to as "Beneficiary" in this User Agreement may be referred to as the "Recipient" on your bill payment receipt. The "Recipient Country" is the country in which the Recipient or Service Company receives money or a mobile reload through the Service. A "Transaction" is a specific instruction to send money through the Online Technology API Platform; apps Service for a remittance, mobile reload or bill pay. The "Transaction Amount" is the amount that the Sender provides or input him or herself UGOCASH Technology API, Apps to send the Transaction, excluding the Transaction Fee (as defined in "Payment" below). The "Payout Amount" is the amount paid out to the Recipient or Service Company, excluding any taxes or charges that may be levied under the laws of the Recipient Country (the "Local Taxes"). All Transaction Fees (defined herein) related to the Service are made free and clear of, and without any deduction or withholding for and on account of, any taxes, duties or other deductions. Any such deduction or withholding, if required by the laws of any country are your sole responsibility.

2.2. Accessing the service

Accessing the service

  1. Eligible Users. In order to access or use the Service as a Sender, you must be (i) at least eighteen (18) years old or the age of majority in your country, and (ii) able to form legally binding contracts. Please go to "Part C. Country Specific Provisions" for further information about age of majority. Other restrictions may apply.

  2. Mobile Services. The Service is Online Technology API Platform, apps also accessible via a mobile device. If you access the service through a mobile device, your wireless service carrier or mobile network operator's standard charges, data rates and other fees may apply.

  3. Bill Payments. You confirm that your Beneficiary has consented to you to accessing his or her account information and permitted UGOCASH to collect and verify information about him or her.

  4. U-Wallet. You confirm that you are moving transferring your own money from your own bank account into your own UWallet. You fully understand and agreed that once you transfer any amount of your own money to your to your Uwallet that amount will no longer be in bank account and it is automatically deducted from your available bank account for use  but held in Uwallet at the your issuant bank until you use it

  5. UGOCASH doesn’t handle, hold money in your Uwallet only facilities, helps you move, use the money, and generates transactions history report.

  6. Using UGOCASH Online Technology API Platform, apps is a separate service of your bank  and has no affiliation, association whatsoever

  7.   UGOCASH account information or profile is not link to your bank.

  8. NEVER USER the same username, password, and profile information and some or all of your Payment Instruments (defined in “Payment” } linked to your UGOCASH account to your bank account or transaction or complete your Bank Transactions.

  9.  UGOCASH doesn’t have or access, store your bank account information

  10. UGOCASH only uses your payment Instruments entered in your UGOCASH account made within your UGOCASH account

  11.  We may, in our sole discretion, refuse Transactions funded from certain Payment Instruments and you understand that it is not guaranteed that any or all of the Payment Instruments you have stored in your UGOCASH account will be available for use when using UGOCASH to complete your Transaction. Details about transactions completed using UGOCASH may only be viewed in your UGOCASH Account and will show in your UGOCASH activity. Any transactions you complete using UGOCASH will appear on your bank account, credit card and UGOCASH statements as charged by UGOCASH

  12. Not Available to Certain Users. The Service may not be available in whole or in part in different countries and jurisdictions as determined by local laws and regulations or if we reasonably determine that providing the Service in a particular country or jurisdiction presents an unacceptable level of risk to us, our users or our systems.

  13. Not Available for Certain Transactions. We may, at any time and in our sole discretion, refuse any Transaction. This may include Transactions from certain Senders, for certain Beneficiaries or to certain Recipients or Service Companies, including without limitation, entities and individuals that are included on the Specially Designated Nationals list, Non-cooperative Countries and Territories list, United Nations Security Council Sanctions List, and such other lists as may be issued from time to time by government agencies. We may also, at any time and in our sole discretion, limit the amount to be transferred on a per Transaction basis or an aggregated basis without prior notice. Any such limits may be imposed on individual UGOCASH accounts or on related UGOCASH accounts or households. We may reject or limit Transactions based on violations of this Agreement, local laws and regulations or if we reasonably determine processing a Transaction presents an unacceptable level of risk to us, our users or our systems.

3.3. Payment

Payment and Charges

Charges.
For each Transaction that you submit, you agree to pay us a transaction fee (the "Transaction Fee"), if applicable, plus the Transaction Amount. Any Transaction Fee will be disclosed to you prior to you authorizing a Transaction.

Ugocash’s Online Technology API Platform, apps facility service fees for

You” the sender transferring the money from

 

  1. wallet local transaction is free for registered users

Uwallet global: 2% of transaction amount for Ugocash’s apps registered users.

Exchange rate if rate is locked disclosed during transactions with “you the user”

Bill pay Cross border: $2.5% per transaction

Foreign Currency Exchange Rate. Ugocash Technology platform apps converts your currency to receiver currency automatically indicating the receiver ,s amount for you to review, consent and accept prior to sending.

  1.  We might make money when you pay for a Transaction in one currency and the Transaction is paid out in another currency if  you “user” request an  additional exchange assistance. We might make money based on the difference between the exchange rate at which we convert foreign currency and the exchange rate provided to you. Any foreign currency exchange rate will be disclosed to you prior to you transmitting, authorizing, the Transaction.

  2. Local Taxes. There may be Local Taxes in certain receive countries. Any applicable Local Taxes will be disclosed to you prior to you authorizing a Transaction.

  3. Other Charges. We are not responsible for any fees or charges that may be imposed by the financial institutions associated with your Payment Instruments. For example (without limitation), your credit card issuer may charge you a cash advance fee and interest if you use a credit card as a Payment Instrument. We are not responsible for any such fees, nor are we responsible for non-sufficient funds charges, chargeback fees, or other similar charges that might be imposed on you by your bank, credit or debit card issuer, or other provider in connection with your use of the Service. If you submit a Transaction that results in us being charged non-sufficient fund fees, chargeback fees, or other similar fees, you agree to reimburse us for all such fees.

  4. Payment. Payment is due at the time your Transaction is submitted for processing although we may choose not to debit your Payment Instrument immediately. In order for us to collect our fees payment from you and facilities complete your Transaction, you authorize us to access, charge, electronically transfer, or debit funds from any of the payment instruments you transmit through our Technology API  platform in connection with your use of the Service (each, a "Payment Instrument") including, for example, your credit card, debit card, bank account . Not all Payment Instruments are available to all customers at all times. We may, in our sole discretion, refuse Transactions funded from certain Payment Instruments. You will not be able to cancel the electronic transfer once UGOCASH initiates, facilities the transfer you made from your account which may be after the Payout Amount has been received by your Recipient or Service Company. You authorize us to re-try debiting your Payment Instrument or a different Payment Instrument one or more times if your payment fails or is insufficient. For example, if there are insufficient funds in your bank account at the time you submit your Transaction, we may try to debit your bank account or charge your credit card if you provide it as a different Payment Instrument at a later time. You confirm that you are the lawful owner of your Payment Instrument(s). inputting in UGOCASH, API , APPS

  5. Pay Only When Received or "POWR." For certain UGOCASH Transactions, the Service Company or your Recipient may receive a mobile reload or the transferred funds before your Payment Instrument is debited the Transaction Amount, the Transaction Fee, or any other applicable fees. We call this "POWR", though it may be called by different names depending on the Recipient Country or Service Provider. If your Transaction qualifies for POWR, then your funding source will not be debited until the Service Company or your Recipient receives the mobile reload or the funds. You understand that not all Transactions are eligible for POWR, and that POWR is subject to many factors, including (without limitation) Recipient Country, funding source, Transfer Amount, transaction history and approval by our proprietary verification system. You understand that you may or may not know whether you have qualified for POWR until after you have authorized the Transaction, and a prior Transaction's qualification for POWR does not guarantee a subsequent Transaction's qualification for POWR. We reserve the right to terminate, suspend, or modify POWR at any time, and to reject any Transaction from qualification for POWR at any time, for any reason.

  6. Verification. You agree we may verify your Transmission Payment Instrument in connection with a Transaction. For example, you agree we may from time to time debit your bank account for less than the amount of the transfer (i.e., for a transfer of $500, we may debit $499.98 from the bank account), as part of our effort to confirm ownership of the account. You agree that such requests constitute your authorization to UGOCASH for facilitation of your transfer’s transaction.

 

4.4. Transaction pay outs

Transaction pay outs

  1. UGOCASH. We do not work with local banks, money exchange houses, and other third party service providers

  2. Deposits to Bank Accounts. you confirm the Recipient’s bank account is denominated in the same currency as the Transaction (e.g., if your Transaction calls for us to deposit pesos into the Recipient's bank account, then you confirm that the Recipient's bank account is denominated in pesos). If the bank account is not denominated in the same currency as the Transaction, your Transaction may be cancelled.

 

5.5. Restrictions

Restrictions

  1. General. We reserve the right at any time, and from time to time, to modify or discontinue the Service (or any part thereof) with or without notice.

  2. Delays or Cancellations. Your Transaction may be delayed or cancelled at any time prior to completion without prior notice. We may delay or cancel your Transaction for reasons that include, but are not limited to: identity verification; validation of your Transaction instructions and Payment Instruments; fraud and anti-money laundering compliance review; contacting and locating you, your Beneficiary, the Service Company, your Sender, or your Recipient; qualification or disqualification for POWR (as defined below); and to comply with applicable law. Business hours, systems availability and currency availability of our Service Providers may also cause delays. Nevertheless, you may be entitled to a refund in certain circumstances, as described below.

  3. Commercial Transactions. You agree that you will only use the Service to send money or mobile reloads to people or for Beneficiaries for personal reasons. If we reasonably suspect or discover you are using the Service send Transactions from, to or on behalf of a business or other non-human entity (other than payments made to Service Companies for Beneficiaries whom you know personally), we may, in our sole discretion, cancel your Transaction(s) and close your UGOCASH Account and/or the UGOCASH Accounts of your Sender or Recipient. You acknowledge that UGOCASH is not liable for your use of the Service for commercial purposes, including all risks associated with the purchase of goods or payment for services of any kind, such as (but not limited to) losses you suffer for undelivered or defective goods and services you pay for using the Service.

  4. Mobile Reloads. You understand our responsibility for mobile reload Transactions is to confirm the transfer of the Payout Amount from a Sender’s account to a Recipient's mobile phone account. We provide estimates of the Local Taxes and other fees that may be charged by a Recipient's wireless carrier (the "Carrier") to a mobile reload Transaction, but the exact amount of the Local Taxes and fees are determined by the Recipient Country and Carrier. You agree that you and/or your Recipient have read the terms and conditions applicable to the Recipient's mobile phone account (the "Carrier Agreement"). The Carrier Agreement applies to all services for which the mobile reload may be used by the Recipient. Terms and conditions vary by Carrier, Recipient Country and the terms of the Carrier Agreement but may include fees and taxes charged on a mobile reload, the expiration of the mobile reload and the quality and quantity of airtime, data and other services for which the mobile reload may be used. You should ask your Recipient to contact the Carrier directly with questions or problems on how the mobile reload can be used for services provided by the Carrier.

  5. Prohibited Transactions. You may not use the Service in violation of this User Agreement or applicable laws, rules or regulations. It is a violation of this User Agreement to use the Service for any of the following activities (without limitation): sexually-oriented materials or services; gambling activities; fraud; money-laundering; funding terrorist organizations; purchase or sale of tobacco, firearms, prescription drugs, or other controlled substances; or sending money or mobile reloads to a Recipient or for a Beneficiary that has violated the User Agreement. If you use the Service in connection with illegal conduct, we reserve the right to report you to the appropriate law enforcement agency or agencies. We may, in our sole discretion, cancel any Transaction and close any UGOCASH Account that we suspect is being utilized for any purpose prohibited by this User Agreement. You acknowledge that UGOCASH is not liable for your use of the Service in violation of this User Agreement.

  6. Others. You may not request, submit or receive a Transaction (i) on behalf of any other person, or (ii) on behalf of a charitable organization without UGOCASH's express consent. We may, at any time and in our sole discretion, close multiple UGOCASH Accounts held by an individual, persons related to the individual or persons living in the same household as the individual.

  7. Restricted Activities. If you use or interact with the Service, you will not:

    1. Breach or violate any restrictions in this User Agreement, or any other agreement between you and UGOCASH;

    2. Open more than one UGOCASH Account;

    3. Provide false, inaccurate, or misleading information;

    4. Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us;

    5. Use an anonymizing proxy;

    6. Provide yourself a cash advance from your credit card (or help others to do so); or

    7. Share Transaction numbers or information with anyone except the Service Company, your Recipient, or Beneficiary, and you will advise your Sender, Recipient or Beneficiary not to share Transaction numbers or information.

6.6. Transactions to India

Transactions to India

UGOCASH processes transactions to India pursuant to the Rupee Drawing Arrangements ("RDA"), as established by the Reserve Bank of India. You understand that use Online Technology API Platform, apps Service for contributions to charitable organizations is prohibited.

7.7. Transactions to Japan

Transactions to Japan

You acknowledge that your UGOCASH transactions are not payments which require prior notification, permission or approval under the Japan Foreign Exchange and Foreign Trade Act ("FEFTA") and are not payments which are restricted under FEFTA, including but not limited to capital transactions, payments to sanctioned individuals, sanctioned countries (in particular North Korea and Iran), or in exchange for embargoed goods such as weapons and nuclear related development. You understand that your use of UGOCASH to send Transactions to Japan which are not compliant with the restrictions of FEFTA is prohibited.

8.8. Electronic communications

Electronic communications

You acknowledge that this User Agreement shall be entered into electronically. Unless otherwise required by applicable law, the following categories of information ("Communications") will only be provided by electronic means and not in paper format or through other non-electronic means: (i) this User Agreement and our Privacy Statement and any amendments, modifications or supplements to them; (ii) your records of Transactions through the Service; (iii) any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by applicable law; (iv) any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Service; and (v) any other communication or agreement related to UGOCASH or the Service.

You may withdraw your consent to receive all Communications electronically by
email support@ugocash.com  for Customer Service. If you do, your use of the Service shall be terminated unless you are entitled by applicable law to receive non-electronic Communications. In order to access and retain Communications, you must have: (i) an Internet browser that is JavaScript enabled, and supports 128-bit encryption and the acceptance of first party cookies, (ii) an e-mail account and the capability to read e-mail from UGOCASH, and (iii) a device and Internet connection capable of supporting the foregoing.

9.9. Communications between you and us

Communications between you and us

If you provide us your mobile phone number, you agree that we may contact you at that number using autodialed or prerecorded calls or text messages to: (i) service your UGOCASH Account, (ii) investigate or prevent fraud, or (iii) collect a debt. We will not use autodialed or prerecorded calls or texts to contact you for marketing purposes unless we receive your prior express written consent. We may share your mobile phone number with service providers with whom we contract to assist us with the activities listed above, but we will not share your mobile phone number with third parties for their own purposes without your consent. You do not have to agree to receive autodialed or prerecorded calls or texts to your mobile phone number in order to use and enjoy UGOCASH. Please email support@ugocash.com for Customer Service to decline receiving autodialed or prerecorded calls or texts to your mobile phone number. Standard telephone minute and text charges may apply.

10.10. Collection of information

Collection of information

  1. Privacy Statement. By agreeing to this User Agreement, you acknowledge you have read our Privacy Statement.

11.11. Intellectual property

Intellectual property

You acknowledge that UGOCASH exclusively owns the Service, including but not limited to the content of our websites, text, graphics, links, buttons, logos, and images, as well as all other patents, copyrights, trademarks, trade secrets, service marks, logos, and product and service names (the "Intellectual Property"). You agree not to display, use, copy, or modify the Intellectual Property in any manner. You are authorized solely to view and retain a copy of the pages of our websites for your own personal, non-commercial use. You further agree not to: (i) engage in or use any automated devices, data mining, robots, scraping or similar data gathering or extraction methods to access or use the Service; (ii) modify, copy, frame, scrape, rent, lease, loan, sell, distribute or create derivative works based on the Service, in whole or in part, except that the foregoing does not apply to the information that you legally upload to the Service; (iii) remove or alter any author, trademark or other proprietary notice or legend displayed on our websites (or printed pages thereof); or (iv) infringe UGOCASH's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy.

The technology and software underlying the Service or distributed in connection therewith are the property of UGOCASH, its affiliates and Service Providers, as applicable (the "Software"). Subject to the terms and conditions of this User Agreement, UGOCASH hereby grants you a non-transferable, non-sub licensable, and non-exclusive right and license to use the object code of any Software on your device(s) solely in connection with the Service, provided that you agree not to copy (except as expressly provided in this User Agreement), modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, or otherwise transfer any right in the Software. Any rights not expressly granted in this User Agreement are reserved by UGOCASH.

 UGOCASH TECHNOLOGY PLATFORM API “APPS” ONLINE APPLICATION, THE WAY TO PROCESS  AND YOU SEND MONEYON THE GO. UGOCASH,s LOGO  are trademarks or registered trademarks of UGOCASH in the United States and/or other countries.  

12.12. Disclaimer of warranties

Disclaimer of warranties

THE SERVICE AND SOFTWARE, IF APPLICABLE, IS PROVIDED "AS IS" AND WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED OR STATUTORY. UGOCASH, ITS SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUPPLIERS, VENDORS, AND SERVICE PROVIDERS SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

We make reasonable efforts to ensure that Transactions are processed in a timely manner, but we make no representations or warranties regarding the time needed to complete processing because the Service is largely dependent on many factors outside our control. Some jurisdictions do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you. Notwithstanding the foregoing, you may have a right to a refund as expressly described in this User Agreement.

13.13. Indemnity

Indemnity

You agree to indemnify and hold UGOCASH, its suppliers, vendors, Service Providers, Service Companies and their respective subsidiaries, affiliates, officers, directors, agents, partners, employees, and consultants harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Service, your connection to the Service, your violation of the User Agreement or any law, or your violation of any rights of a third party.

14.14. Refunds

Refunds

To request a refund, please email support@ugocash.com for Customer Service. We will refund your money (fees) within three business days of your request to cancel a transfer as long as the funds have not already deposited into a Recipient’s account.  You cannot cancel your Transaction for a refund once UGOCASH Confirmed Transaction Successful, unless a technical errors the funds or mobile reload haven’t been deposited to the Recipient or Service Company. We generally do not provide refunds we did not hold, handle funds only felicitates the process of your Transaction according to your instructions. We refund fees 100% and in full for our system technical errors if we are unable to facilities transfer, deposit in recipient, s account the Transaction.

We will make every effort not to debit your Transfer fees 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(fees) 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 same currency used to pay for the Transaction ("Send Currency"). Refund amounts will not be adjusted to account for changes in the value of the Send Currency from the time your Transaction was submitted.

Notwithstanding the foregoing, specific refund provisions may apply depending on your country or state of residence.

15.15. Miscellaneous

Miscellaneous

  1. General. Please let us know if you have any problems with the Service. Please email support@ugocash.com.

  2. Customer Updates. You must promptly update us with any change in your e-mail address and telephone number by updating your profile on our websites. If we do not have correct contact information, we may not be able to notify you with important information or changes in your Transaction status.

  3. Entire Agreement. The User Agreement constitutes the entire agreement between you and UGOCASH relating to the Service and governs your use of the Service, superseding any prior agreements between you and UGOCASH or any other party in connection with the Service.

  4. Changes to Country of Residence. If your country of residence changes, you may be required to enter into a new User Agreement. The User Agreement you accepted for your prior country of residence will not apply to Transactions made from the new country of residence.

  5. No Waiver. UGOCASH’s failure to exercise or enforce any right or provision of the User Agreement shall not constitute a waiver of such right or provision and shall not guarantee that UGOCASH will repeat any such actions in the future. If any provision of the User Agreement is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavor to give appropriately valid effect to the intention of the User Agreement as reflected in the provision, and the other provisions of the User Agreement shall remain in full force and effect.

  6. Modification. We may modify this User Agreement from time to time without notice to you, except as may be required by law. You can review the most current version of the User Agreement at any time by reviewing our websites. Do not the Service if you do not agree with the current terms of this User Agreement. If you use the Service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification. You agree that you shall not modify this User Agreement and acknowledge that any attempts by you to modify this User Agreement shall be void.

  7. Language. This Agreement is concluded in English only and we may provide translations into additional languages for your convenience. In the event there is any inconsistency between the English version or other language text on our websites, including the User Agreement, the English text shall be binding.

  8. Special Notice for International Use; Export Controls. Software available in connection with the Service and the transmission of applicable data, if any, may be subject to export controls in your country of residence. No Software may be downloaded from the Service or otherwise exported or re-exported in violation of your country of residence’s export laws. Downloading or using the Software is at your sole risk. Recognizing the global nature of the Internet, you agree to comply with all local rules and laws regarding your use of the Service, including as it concerns online conduct and acceptable content.

    1. You confirm that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

  9. Contact information Questions, notifications, and requests for refunds or further information can be sent to us using the Customer Service contact information email support@ugocash.com.

PART C: COUNTRY SPECIFIC PROVISIONS

1.. United States

United States

If your country of residence is in the United States at the time you send a Transaction, the following provisions shall apply to you:

  1.  

1.2. United States Errors and Unauthorized Transactions

United States Errors and Unauthorized Transactions

Errors and Unauthorized Transactions

You have a right to dispute errors in your Transaction. If you think there is an error or that you have not authorized your Transaction, you must contact us within 180 days of the date we promised to you that funds would be made available to the recipient. When you do, please tell us:

  1. Your name and address or telephone number;

  2. The error or problem with the transfer, and why you believe it is an error or problem;

  3. The name of the person receiving the funds, and if you know it, his or her telephone number or address;

  4. The amount of the transfer; and

  5. The transaction number.

We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation or for more details about your investigation.

Residents of certain jurisdictions in the United States may also consider the following in the event of a problem:

ALL consumer complaints must be submitted in writing.

2.3. United States Refunds

United States Refunds

 

Notwithstanding the foregoing, residents of certain jurisdictions in the United States should read the following:

  1. California. The following applies only to Transactions that are submitted by Senders in California.

RIGHT TO REFUND: You, the USER, are entitled to a refund of the money you transferred or transmitted due to a technical errors as the result of this agreement if UGOCASH does not facilitates the funds you transfer within 15 days of the date of UGOCASH confirm your with the receipt, or does not facilitates your transfer  accordingly an equivalent amount of funds to the person designated by your transfer within 15 days of the date of your transfer confirmation receipt of the funds transaction from you unless otherwise instructed by you.

If your transfer submitted as to when the funds shall be received or transmitted are not complied with and the funds have been taken from your account not yet been  transmitted you have a right to a refund.

If you want a refund, you must mail or deliver your written request to UGOCASH Customer Service, at PO Box 4121 Manassas VA 20108 USA. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to $1,000 and attorney's fees pursuant to Section 2102 of the California Financial Code or your State of residence section CODE

  1. :

    1. The monies have been transmitted and delivered to the recipient prior to receipt of the written request for a refund;

    2. Transfer have been given committing an equivalent amount of money to the person designated by the sender prior to receipt of a written request for a refund;

    3. UGOCASH or its authorized delegate has reason to believe that a crime has occurred, is occurring, or may potentially occur as a result of transmitting the money as requested by the user or refunding the money as requested by the user; or

    4. UGOCASH is otherwise barred by law from making a refund.

3.4. United States Limitations of Liability

United States Limitations of Liability

Limitations of Liability

EXCEPT AS SET FORTH BELOW, IN NO EVENT SHALL UGOCASH, ITS SUPPLIERS, VENDORS, SERVICE PROVIDERS, SERVICE COMPANIES, OR THEIR RESPECTIVE SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF UGOCASH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM NEGLIGENCE ON THE PART OF UGOCASH, ITS SUPPLIERS, VENDORS, SERVICE PROVIDERS, SERVICE COMPANIES, OR THEIR RESPECTIVE SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS.

Notwithstanding the foregoing:

California residents: the above does not apply to claims under Section 2102 of the California Financial Code arising from Transactions originating in California.

4.5. United States Disputes

United States Disputes

United States Disputes

If a dispute arises between you and UGOCASH, our goal is to learn about and address your concerns. If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and Company regarding the Service may be reported to Customer Service. Please email: support@ugocash.com. A party requesting relief may elect to resolve a claim (excluding claims for injunctive or other equitable relief) in a cost-effective manner through binding non-appearance-based arbitration if the total amount of the award sought is less than $10,000.00 USD.

A party electing arbitration will do so through an established alternative dispute resolution ("ADR") provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: (i) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, with the specific manner to be chosen by the party initiating the arbitration; (ii) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and (iii) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

 

5.6. United States Governing law and jurisdiction

United States Governing law and jurisdiction

Governing law and jurisdiction

This User Agreement shall be governed by the laws of the State of Delaware. Any controversy, dispute, or claim arising out of or relating to the Service or User Agreement (a "Claim") shall be governed by and construed in accordance with the laws of the State of Delaware, except that body of law governing conflicts of law and except as otherwise provided in this User Agreement.

Except as otherwise agreed by the parties or as described in "United States Disputes", you agree to irrevocably submit to the nonexclusive jurisdiction of the courts of Delaware for the purpose of any suit, action or other proceeding arising out of these User Agreement or your use of our websites or the Services.

  • White Facebook Icon
  • White Twitter Icon

Heading 4

© 2023 by UGO CASH . Proudly created by WMI STUDIOS