Legal and compliance

In Small World Financial Services we strongly value our customers and take our obligations seriously. Please read our documents carefully.



SWFS Website Terms and Conditions

United Kingdom SWFS Website Terms and Condition

United States SWFS Website Terms and Conditions


United Kingdom SWFS Website Terms and Conditions

As an Authorised Payment Institution, LCC Trans-Sending Ltd (trading as Small World Money Transfer) recognises that, as a non-bank financial institution, we are at risk of being exploited by money launderers. We fully recognise that we have both civic responsibilities and legal obligations to do all we can to prevent the abuse of our services.

  • Staff knowledge, awareness and training on regular basis
  • Customer identification (KYC Policy, Know Your Customer).
  • Keeping records of all transactions.
  • Reporting of information.
  • Proper scrutiny of information given by the customers.

Please read our documents carefully.

As an Authorised Payment Institution, LCC Trans-Sending Ltd (trading as Small World Money Transfer) recognises that, as a non-bank financial institution, we are at risk of being exploited by money launderers. We fully recognise that we have both civic responsibilities and legal obligations to do all we can to prevent the abuse of our services.

  • Staff knowledge, awareness and training on regular basis
  • Customer identification (KYC Policy, Know Your Customer).
  • Keeping records of all transactions.
  • Reporting of information.
  • Proper scrutiny of information given by the customers.

Please read our documents carefully.

Small World Financial Services Group (“SWFS”) assumes no responsibility in relation to the material included in these pages. This material: a) does not necessarily provide information that is exhaustive, complete, exact or up-to-date; b) may contain links to external pages over which we have no control and whose contents may be unknown to us, reasons for which we decline all responsibility; c) does not provide professional or legal advice.

It cannot be guaranteed that a document available on-line exactly reproduces an officially adopted text.

Nonetheless, in the event that an error should be found in these pages, we ask you to inform us of it so that we can rectify as soon as possible.

The reproduction, copying, use, distribution, commercialisation, public communication, or any other such activity involving the contents of these web pages is forbidden and always requires explicit authorization from SWFS. Any such activities will be penalized in accordance with the copyright legislation applicable.

SWFS does not necessarily coincide with the information and opinions contained in these web pages.

SWFS takes no responsibility for the misuse of the contents of these web pages on the user's behalf.

SWFS takes no responsibility for any information not contained in these web pages and as such, not issued directly under the control of SWFS or not published with its name. In particular, SWFS is not responsible for the contents and the information contained in the web pages of third parties connected by links with the web pages pertaining to SWFS.

SWFS reserves the right to update the contents of these web pages whenever it may see fit, as well as to delete them and to limit or prevent access to them, whether temporary or permanent. 

SWFS is not obliged to control the information and opinions that users may transmit in the open forums of these web pages. However, SWFS reserves the right to delete from its web pages any information or opinion from users that may be contrary to the law in force, especially when this represents an infringement of fundamental individual rights and liberties.

Whenever it is necessary to use a password or user name to access a service contained in these web pages, the user is obliged to keep it secret and use it diligently. In the event of the loss or negligent use of the password, the user will be responsible for any use that third parties may have been able to make of it. 

UNDER NO CIRCUMSTANCES DOES SWFS ACCEPT RESPONSIBILITY FOR POSSIBLE DAMAGE, WHETHER DIRECT, INDIRECT, SPECIAL OR OF ANY OTHER NATURE, DERIVED FROM THE USE OF THIS WEB PAGE OR OF ANY OTHER WEB PAGE TO WHICH THE USER IS DIRECTED FROM THIS ONE, INCLUDING, WITHOUT ANY LIMITATION, ANY LOSS OF PROFITS, STOPPAGE OF BUSINESS, LOSS OF PROGRAMMES OR OTHER DATA FROM THE INFORMATION TREATED IN THE USER’S SYSTEM, EVEN WHEN WE HAVE BEEN EXPLICITLY INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

Customer Terms and Conditions

 

Overview - Our agreement with you

LCC TRANS-SENDING LTD (“LCC”) is a company incorporated under the laws of England and Wales, registered at Companies House with company number 04363859, authorized and regulated as an Authorised Payment Institution by the Financial Conduct Authority in the United Kingdom (FRN. 504482) with head office at 209 -215 Blackfriars Road, London SE1 8NL.

LCC trades under the name “Small World” and is a member of the Small World Group (hereinafter "we”, “our” or “us”). Small World offers payments related services including money transfers internationally together with ancillary services.

 

209-215 Blackfriars Road, London SE1 8NL They explain your responsibilities to us and our responsibilities to you, including (i) how our agreement with you can be terminated prior to completion of a Payment Transaction, (ii) under what circumstances a Payment Order may be cancelled and (iii) the extent of our liability to you. These Terms set out your legal rights and obligations when using the Service. We recommend that you read these carefully. By accessing and using the Service, you agree to be bound by the terms of this Agreement.

You may request Small World to provide you with these Terms in paper or another durable medium

Acceptance as customer

 

Our obligations to you under these Terms are conditional upon our acceptance of you as a customer, which is at our sole discretion. We reserve the right to decline you as a customer in certain circumstances. For instance, we can refuse you as a customer where you fail to promptly supply us with all information and documentation which we may ask for at any time to enable us to comply with any legal requirements, including as required by anti-money laundering and anti-terrorist financing regulation.

Changes to Terms

We may amend these Terms from time to time, for example, in order to comply with changes in the law or regulatory requirements or due to changes in market conditions. Each Payment Transaction which we perform for you is a separate contract which incorporates these Terms and Conditions.


DEFINITIONS

 

In these Terms, the following words shall have the following meanings:

“Bank Card” means a Visa or MasterCard credit card or debit card issued by a bank or building society in the UK;

“Business Day” means a day upon which banks are generally open for business in the UK excluding weekends and public holidays;

“Card Issuer” means the issuer and/or owner of a Bank Card;

“MTN” means the unique transaction number which will be issued to you and which the sender will be required to provide in order to authorise us or our agents to make payment to the Recipient. This number will be a combination of letters, numbers or symbols specified to the payment service user by the payment service provider and to be provided by the payment service user to identify unambiguously another payment service user and/or the payment account of that other payment service user for a payment transaction.;

”Payment Order” means all instructions submitted by you to us requesting the execution of a Payment Transaction;

"Payment Transaction" means the transfer of money to a Recipient;

"Recipient" means the individual designated by you as the receiver of the Payment Transaction, who is a natural person and acceptable to us, and who receives the money transfer via a designated paying agent;

“Service" means the Small World Money Transfer Service made available by us including the Small World Online Service available on the Site;

“Site” means the website operated by us to provide online money transmission services and related information facilities;

All references in these Terms (unless otherwise stated) (a) to a person or persons shall include any natural person, company, firm, partnership, trust, public body or other organisation; (b) to “clauses” are to clauses of these Terms; (c) to any legislation (including statutes, statutory instruments, statutory provisions or regulations) shall include them as amended or re-enacted from time to time; and (d) made in the singular shall include the plural and vice versa.

1. OUR OBLIGATIONS

 

1.1 AGENTS

We will be responsible to you for all Payment Transactions that are initiated by you via any of our authorised agents. All our authorised agents are listed on the FCA Register under the name of LCC Trans-Sending Limited.

1.2 PROVISION OF INFORMATION

 

 Payment Orders

Before agreeing to undertake a Payment Transaction, we will provide you with a draft payment order that will become an effective Payment Order once you sign it. The Payment Order together with these Terms, will set out the information which we are obliged to provide to you including:

a) the maximum total fee that the sender will be charged by us, together with a breakdown where applicable. If we believe that the Recipient may also have to pay a fee, then we will tell you;

b) an indication of the exchange rate that we will apply to your Payment Transaction, or the reference exchange rate upon which the actual exchange rate will be based. If a further exchange rate may be applied we will tell you to expect this;

c) information on where the Recipient should collect the money from and what they have to do, if it is to be made available in cash;

d) an indication of the maximum time that it will take for the Payment Transaction to be completed i.e. when funds will be available to the Recipient. This will depend upon the destination country and also any legal and regulatory formalities. We will only consider Business Days when calculating this period;

e) In relation to any Transaction that we have agreed to perform for you, For

(a) payment transactions sent in euros

(b) national payment transactions in the currency of a Member State of the European Union that is not part of the euro area;

c) payment transactions that only involve a currency conversion between the euro and the currency of a Member State that is not part of the euro area, provided that the corresponding conversion is carried out in the Member State that is not part of the euro area and, in the case of cross-border payment operations, the cross-border transfer is made in euros, the amount of the payment operation is deposited to the account of the provider pf payment services of the beneficiary, by the end of the following business day. However, the indicated period may be extended by one business day for payment transactions initiated on paper.

f) For cross-border operations whose made in a currency other than euro or any of the currencies of a Member State of the European Union, the maximum execution period will be four (4) banking days.

g) information on cancellation and refund procedures and any charges for cancelling or amending a Payment Transaction (please see Clause 2 below for more information).

1.3 PROVISION OF INFORMATION

Completion of Payment Transactions

a) The moment of receipt of a Payment Order shall be the time when it is received by us. If the time of receipt is not a business day, the payment order shall be deemed received on the next business day. The time limit set as a deadline at the end of the business day shall the 20:00 After that time, any payment order received will be considered received the next business day.

b) Upon completion of a Payment Transaction we will provide you with the following information in writing: i. a transaction reference number that is unique to your Payment Transaction; ii. confirmation of the exact amount we have sent for you; iii. the charges or fees that you have paid to us for the Service, together with a breakdown where applicable; iv. the exchange rate that has been applied to your Payment Transaction v. the amount of the Payment Transaction in the currency used for the Payment Order; vi. the amount of the Payment Transaction in the currency in which the Recipient will receive the money; vii. the date on which we received the Payment Order from the sender; viii. information on where the Recipient can collect the money or confirmation of the bank to which the money has been sent; ix. when the money will be available for the Recipient and whether this timescale is definite or the best estimate that we can make; x. in the case of cash collections, what the Recipient has to do in order to collect the money; xi. the procedure to follow if you have a need to query the Payment Transaction (we will advise you how long it will take us to provide an answer or an update).

2. YOUR OBLIGATIONS

2.1 You must be at least eighteen (18) years old.

2.2 You agree to pay our charges for each Payment Transaction. Before we can perform our Service, you must register with us. In order to complete your registration, you must provide us with all the details we require from you, including details relating to your identity and proof of address and any other information we may require from time to time to enable us to comply with our legal and regulatory obligations, including as required by the Money Laundering Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (MLR2017).

2.3 You must provide at least the following information in order for a Payment Transaction to be executed:

a) sender’s full name, address, date of birth, phone number, nationality, occupation, Identification (Passport, UK Driving License or EEA ID).

b) Recipient's full name, phone number, account number, bank name.

c) We may request further information if necessary. Information requirements will be determined by the payment thresholds on a case by case basis

d) You should bring your original Photographic identification documents to show to the operator in Small World branches. This is mandatory for all Payment Orders to be made in cash, regardless of the amount.

2.4 You acknowledge and agree that:

a) When you register with us or submit a Payment Order, you will provide us with true, accurate, current and complete information and sign the receipt as required.

b) You will maintain and promptly update such information to keep it true, accurate, current and complete.

c) You will not use the Service for or in connection with any illegal or prohibited purpose.

d) You will not initiate a Payment Transaction under the Service in breach of these Terms or any other restriction or requirement of use.

e) You will be liable to us for all losses which we suffer or incur relating to any fraud or fraudulent activity by you at any time.

2.5 You acknowledge and agree that information about you, and the Services we provide to you are confidential, however may be provided by us from time to time to regulatory or governmental authorities, bodies or agencies where we are required by law to do so. All information must be kept in our database for 5 years since your last Payment Transaction.

2.6 You may authorise another person to provide us with instructions on your behalf. In these circumstances, we will treat the instructions of the Authorised Person as if they came from you.

2.7 You are responsible for the completeness and accuracy of all information you provide to us at any time. You must always provide us with instructions, and make sure any Authorised Person provides us with instructions, in the English language.

2.8 Small World Online Service

a) You must register with us in order to use the Small World Online Service. Registration and use of the Small World Online Services is subject to these Terms.

b) You will choose a password and an account e-mail login upon registering with us. You are responsible for maintaining the confidentially of your password and account e-mail login, and are fully responsible to us for all activities that occur under your password or account e-mail login. You agree to immediately notify us of any loss, theft, misappropriation or unauthorised use of your password or account e-mail login by calling Tel: + 44(0)20 7378 1100 and we will take immediate steps to try to prevent these from being used. Subject to our taking such steps, we are not liable for any loss or damage arising from your failure to comply with your obligations under this clause. You may have rights against your Card Issuer to have sums refunded to you if fraudulent use is made of your Bank Card.

c) You will be required to provide at least the following information in order for a Payment Transaction to be executed using the Small World Online Service: i. sender’s full name, address, date of birth, phone number, nationality, occupation, and Identification (Passport, UK Driving License or EEA ID) when requested by us. An online Payment Transaction can only be performed via sender’s wire transfer or sender’s debit card, or credit card. ii. Recipient's full name, phone number, account number, bank name.

3. CANCELLATION AND REFUNDS

3.1 You may cancel a Payment

Order at any time up until it is executed. Once executed, you cannot cancel or amend a Payment Order. You may exercise this right to cancel in the following ways:

a) By telephoning us on 0800 019 5030 from within the UK or 00 44 20 7407 1800 outside the UK;

b) Writing to us at209 -215 Blackfriars Road, London SE1 8NL;

c) Sending us a fax to (+44) 020 7407 1101;

d) E-mailing us at info@smallworldfs.com.

3.2 If you exercise your right to cancel under clause

3.1 after you have sent a Payment Order to us, we will reimburse any payments which you made to us before cancellation, but we will not reimburse you if we have paid the money transfer to the Recipient before we receive your notice of cancellation;

3.3 Where you cancel a Payment Order or where we cannot complete a Payment Transaction for any reason, we will arrange for a full refund.

3.4 The refund may take three to five (3 to 5) Business Days to process. Please note that refunds may take longer to process where internal Compliance checks are required and/or Compliance related queries need to be addressed

3.5 In instances where (i) the Recipient does not collect the money transferred under a Payment Transaction with three (3) months; or (ii) you make a deposit in our account and fail to identify or proceed with a Payment Transaction within thirty (30) Business Days, we will refund the amount of the Payment Transaction to you less the commission initially charged at our exchange rate applicable at the time of the refund. If we cannot refund the money to you because we are unable to contact you and we do not have valid bank details for you that are sufficient for us to make the refund transfer, we will retain the funds subject to our safeguarding obligations under clause 18.

3.6 We are not responsible and we will not refund you for any payments made incorrectly as a result of you providing incorrect payment information. We shall be liable to you for all expenses incurred and for which we are responsible, as well as for any interest that may have been applied to you as a result of non-execution or defective or delayed execution of us.

3.7 In order to enable us to process a refund you will be required to complete and send us a refund form (a copy of which can be found at www.swfs.com. The refund form requires the same information as is required for a Payment Order. You will be required to provide: (i) copies of an acceptable form of identity documentation such as a valid, current passport, (ii) if you are a corporate entity, a copy of your company registration certificate and (iii) a copy of your most recent current account bank statement. We also reserve the right to ask you to show originals of these documents to one of our agents or representatives and to suspend the processing of your refund until any such requested originals or information is provided.

3.8 If you become aware of an unauthorized or incorrectly executed Payment Transaction, you must notify us, without any unjustified delay, for the purpose of rectifying the situation. This communication must be made using the means of communication set out in this Contract.

3.9 Except for those cases in which SW has not provided or made available to you the information corresponding to the Payment Transaction, any communication made by you must take place within at most thirteen months from the execution date of the Payment Transaction.

4. EXECUTION OF PAYMENT TRANSACTIONS

4.1 Your relationship is with LCC Trans-Sending Limited.

4.2 We will execute all Payment Orders as soon as practicable after they have been submitted on Business Days. Where Payment Orders are incomplete, we will execute as soon as practicable after we have received full instructions. You should be aware that it can take more than five (5) Business Days for the funds to clear, depending on local banking arrangements.

4.3 All currency converted under the Service is converted at our rate of exchange. All the expenses that you must pay to Small World must be established on your receipt, as well as the method of calculating the exchange rate or interest rate that will apply to the transaction, and the corresponding date and the rate or reference used in that calculation method

4.4 If we proceed to execute a Payment Order based on incorrect details received by us from you then we will not be liable for any losses incurred, although we will attempt to assist in the recovery of the payment amount and we reserve the right to charge you a fee to cover our reasonable costs for doing this

4.5 We may, in our sole discretion, refuse to proceed with a Payment Transaction.

Examples of when we may refuse to proceed with a Payment Transaction include:

a) Where the intended Recipient is anyone other than a natural person.

b) Where we are required to do so under applicable anti-money laundering or terrorist financing legislation and /or where we know or suspect the Payment Transaction may be unlawful (including for instances of fraud).

c) We believe that you don’t have enough information to satisfy any regulatory or governmental requirement.

d) You have failed to provide us with sufficient, satisfactory and reliable evidence of your identity or any other information we require in relation to a Payment Transaction.

e) Where we know or suspect that the Payment Order requested by you contains errors or is not authorised by you.

f) Receipt of a Payment Order by us in circumstances where there is insufficient time for us to ensure the execution of the requested Payment Transaction by the requested time.

g) You have failed to provide us the amount of the funds which we tell you are required for the Payment Transaction to proceed in cleared funds immediately available to us

h) Your Card Issuer does not authorise the use of your bank for payment of the Payment Transaction and our related charges

i) You are in breach of an obligation under these Terms including an obligation to pay our fees. We will notify you of such refusal, the reasons for it and the procedure for remedying the probable actual errors that have caused it, unless a specific rule and/r regulation prohibits us such notification.

4.6 We reserve the right not to accept or allow payments from or to, either directly or indirectly, certain countries which we have determined, acting in our sole discretion, are high risk to our business or involve a higher level of complexity for us in carrying out our anti-money laundering or anti-terrorist financing legislation transaction monitoring process.

4.7 We further reserve the right to request additional information from you, including information on the Recipient, where payments are to be made to certain countries acting in our sole discretion.

4.8 If we refuse to proceed with the execution of a Payment Order in accordance with these Terms we will prior to the end of the Business Day following receipt of the Payment Order tell you and where it is possible and lawful for us to do this we will tell you the reasons for this and how to rectify the situation in the case of incorrect information you have provided to us or failed to provide to us.

4.9 We are not liable to you for any loss or damage which you may incur as a result of any legal requirements which we are required to comply with, including in relation to Money Laundering and Terrorism Finance

4.10 We will refund you with the full amount of any non- executed or defective Payment Transaction (including our charges in relation to such Payment Transaction), including any interest and/or late payment fees;

4.11 Any claim for compensation made by you/or a Recipient (who is not registered with us) must be supported by any available relevant documentation.

4.12 We may report suspicious activities to law enforcement organisations or other government agencies if we are required to do so by law or otherwise consider it necessary.

4.13 We reserve the right, at our sole discretion, to: (i) refuse to process a Payment Transaction; (ii) limit the amount of a Payment Transaction; (iii) require additional information to complete a Payment Transaction; and/or (iv) take reasonable measures with respect to a Payment Transaction where in our opinion this is necessary.

5. PAYMENT BY CREDIT OR DEBIT CARD

5.1 You must authorise your card issuer to transfer funds required to be received by us for the Payment Transaction so that: (i) funds so required for the Payment Transaction to proceed are charged to the account linked to your card; and (ii) we receive an authorisation from the third-party merchant acquiring provider and subsequently receive the transfer funds required to be received by us.

5.2 You are responsible for ensuring that your designated payment method has sufficient funds or credit available to ensure that the funds required for the Payment Transaction to proceed are received by us and received by us on time.

5.3 You acknowledge and agree that all Payment Transactions authorised by you are subject to all applicable UK and foreign laws and regulation.

5.4 Your card issuer and/or your bank or credit institution will also have terms and conditions that apply to your use of your card or bank account and you must refer to such agreement(s) when making the funds required for the Payment Transaction to proceed available to us as such terms and conditions which may include the application of fees and charges and other terms and conditions imposed by your card issuer and/or your bank or credit institution.

5.5 Please note that Payment Transactions may take up to eight (8) days where placed using credit or debit cards.

6. TERMINATION

We may terminate these Terms and/or suspend Our Service immediately:

6.1 where you do not provide us with all the details we require to perform a Payment Transaction for you;

6.2 where it becomes unlawful for us to continue to provide you with Our Services or we are required to do so by law, by any court of competent jurisdiction or by any governmental or regulatory body which authorises us to perform Our Service;

6.3 following a material breach by you of any of these Terms and Conditions or in the event that we discover or have reasonable cause to suspect any crime, fraud, fraudulent activity or money laundering by you;

6.4 in the event that you die, become of unsound mind, become unable to pay your debts as and when they fall due, a petition in bankruptcy is presented against you, you are declared bankrupt, you become insolvent, you enter into an individual voluntary arrangement or go into liquidation or are subjected to any similar event;

6.5 as provided for in clause 18 (Changes Beyond our Control)

6.6 The provisions of this clause 6 (Termination) and clauses 18 (Changes beyond our Control), 21 (Personal Data Protection), 27 (Applicable Law and Jurisdiction), 22 (Limitation of Liability) 28 (Third Party Rights) and 33 (Entire Agreement) shall survive the termination or expiry of these Terms for any reason.

7. PAYOUTS

7.1 Upon making a Payment Order we will issue you with a MTN. In order for us to authorise payment to a Recipient, the Recipient must provide us or our payout agent with all of the following:

a) Original and valid Photographic identification (such as a Passport, UK Driving License or a valid Identity card).

b) The exact amount of the principal amount of the Payment Order.

c) The MTN relating to the Payment Order.

7.2 Payment by cheque will not be accepted.

7.3 The sender’s account shall not be debited before receipt of the Payment Order. If the time of receipt is not on a Business Day, the Payment Order shall be deemed to have been received on the following Business Day.

7.4 We shall ensure that the amount of the Payment Order will be at the Recipient´s disposal immediately after that amount is credited in the Recipient´s payment services provider´s account where, there is, (a) no currency conversion; or (b) a currency conversion between the euro and a EU Member State currency or between two EU Member State currencies.

8. LIMITATION OF LIABILITY

We have no liability and do not accept any responsibility to you for:

8.1 any goods or services which you pay for by using the Service;

8.2 malfunctions in communications facilities which cannot reasonably be considered to be under our control and that may affect the accuracy or timeliness of messages you send to us;

8.3 errors in our Site or with our Small World Online Service caused by incomplete or incorrect information provided to us by you or a third party, or for any unauthorised use of your password or account e-mail (which you are responsible for keeping confidential);

8.4 any losses or delays in transmission of messages arising out of the use of any internet access service provider or caused by any browser or other software which is not under our control;

8.5 viruses caused by third parties;

8.6 the services provided to you by your Card Issuer;

8.7 any opportunity to make a purchase which is lost or compromised by any delay or failure of any Payment Transaction regardless of the reason for such delay or failure;

8.8 We do not accept any liability for damages resulting from non-payment or delay in payment of a money transfer to a Recipient or failure to perform a Payment Transaction under the Service by reason of any of the matters referred to in clause 2.1.

8.9 Neither we nor any of our agents shall be liable whether in contract, tort or otherwise for damages, losses or claims for delays, non payment or underpayment of any money transfer, or non-delivery of any supplemental message beyond the sum equivalent to the principal amount of the money transfer (in addition to refunding the principal amount of the money transfer and our charges in relation to the money transfer).

8.10 Nothing in this clause exclude or limit liability on our part for death or personal injury resulting from our negligence or (b) exclude liability for our fraud.

8.11 To the extent permissible by law, neither we nor our agents will be liable for any loss of profits, loss of business, loss of opportunity, loss of goodwill, loss of contracts or ay indirect, special, incidental or consequential damages (whether caused by negligence or otherwise).

8.12 Wherever you are sending a money transfer to a Recipient who is not registered with us, you agree to accept the provisions of this clause 5 not only for yourself, but also on behalf of the Recipient.

9. TRANSFER OF RIGHTS

9.1 We have the right to transfer our rights and/or responsibilities under our agreement with you to an affiliated company, or any third party, at any time without your consent unless such transfer would reduce your rights and/or remedies or increase your responsibilities and/or liabilities under your agreement with us.

9.2 You may not transfer your rights and/or responsibilities under your agreement with us without our prior written consent.

10. THIRD PARTY RIGHTS


The Contracts (Rights of Third Parties) Act 1999 shall not apply to the agreement between us and accordingly nothing in it shall be directly or indirectly enforceable by any third party.

11. CIRCUMSTANCES BEYOND OUR CONTROL

We are not liable to you if we are unable to perform any of our obligations to you or our performance of any of our obligations is delayed due to any circumstances outside of our control. If our performance is delayed by circumstances outside of our control we will contact you as soon as possible to let you know and will take steps to minimise the effects of the delay. Provided we do this we will not be liable for delays but if there is a risk of substantial delay you may contact us to cancel the Payment Transaction and request a refund.

12. CONFIDENTIALITY

12.1 We respect the privacy of the affairs of all our customers and always aim to treat customer information as confidential and to use customer information in confidence

12.2 We will not treat customer information as confidential where it is already public knowledge or where it becomes public knowledge through no fault of our own.

12.3 We may disclose customer information if we are required to do so by law, by a court, by court order, to meet any statutory, legal or regulatory requirement on us, or by the police or any other law enforcement agency in connection with the prevention or detection of crime or to help combat fraud or money laundering.

13. DATA PROTECTION AND PRIVACY POLICY

13.1 In this clause 10, "Data Protection Legislation" means any law applicable from time to time relating to the processing of personal data and/or privacy, as in force at the date of our agreement with you or as re-enacted, applied, amended, superseded, repealed or consolidated, including without limitation, as applicable, the UK Data Protection Act 2018, the General Data Protection Regulation (EU) 2016/679 (the "GDPR"), and the Privacy and Electronic Communications (EC Directive) Regulations 2003, in each case including any legally binding regulations, direction and orders issued from time to time under or in connection with any such law. In addition, the terms data processor, personal data, data subject, processing and supervisory authority shall be as defined in the Data Protection Legislation and "Data" shall mean the personal data and/or sensitive personal data, which is provided by you to us pursuant to these Terms or in connection with the Services provided by us hereunder.

13.2 You and we agree to comply at all times with all applicable requirements under the Data Protection Legislation.

13.3 In the event that we are deemed to be your data processor in respect of the Data and you are deemed to be a data controller, the following clauses 10.4 to 10.7 shall apply. In the event that we are deemed to be a data controller clauses 10.4 to 10.7 will not apply in respect of the Data and you (if you are a data controller) and we agree to comply at all times with any applicable obligations imposed on each of us (as appropriate) as data controller under the Data Protection Legislation when processing the Data.

13.4 We shall only process the Data (i) in accordance with your written instructions (including the Terms) or (ii) where required to do so by applicable law (and we shall promptly inform you if we believe your instructions infringe the GDPR).

13.5 We shall, in addition to the measures put in place by you, implement and maintain all appropriate technical and organisational security measures: (i) to ensure a level of security appropriate to the risk to the Data when it is processed by us (ii) to assist you in the fulfilment of your obligations to respond to requests from data subjects exercising their rights under the Data Protection Legislation and (iii) where appropriate, assist you in complying with Articles 32 to 35 of the GDPR

13.6 We shall:

a) provide all assistance to you as is reasonably requested to enable you to comply with your obligations pursuant to the Data Protection Legislation;

b) take all reasonable steps to ensure that access to the Data is limited to those personnel who require access to it for the purpose of complying with our obligations under these Terms and that such personnel are bound by enforceable obligations of confidentiality;

c) inform you (via a notice on the Site) of any intended appointments of new subprocessors, thereby giving you an opportunity to object (which objection we will consider in good faith) and it is acknowledged that these Terms stand as general written authorisation to have and appoint sub-processors

d) where required pursuant to the Data Protection Legislation, not process or transfer the Data outside of the European Economic Area (or permit the Data to be so processed or transferred) unless we have obtained your prior written consent and these Terms shall be deemed to be general written consent by you (to the extent you act as data controller) to us transferring the Data to the Recipient and the place where the Recipient will collect the money and the act of the sender (or any other person whose Data forms part of the Payment Transaction information) in submitting their Data for the purposes of the Payment Transaction shall be an act of consent to the transfer of such Data to the Recipient and to such other entities, wherever they are based, as are necessary to facilitate the Payment Transaction;

e) following the end of the provision of the Services and on your request, permanently delete all Data (including copies) in our possession or control, save where we are required to retain such Data by applicable law;

f) subject to you and/or your representatives signing suitable undertakings of confidentiality, allow you and/or your representatives, on providing reasonable notice to us to conduct audits (including inspections) during normal business hours of all data processing facilities, procedures, documentation and other matters required to demonstrate compliance with the Data Protection Legislation and this clause 10. Without prejudice to the foregoing, we shall contribute to such audits in a reasonable manner, and provide all information reasonably necessary to demonstrate compliance with the Data Protection Legislation and this clause 10.

13.7 Your personal information is processed under applicable law and controlled by LCC Trans- Sending Limited during our relationship with you.

13.8 We will hold and use Data in accordance with our Privacy Policy which is available at www.smallworldfs.com.

13.9 Customer Certificates are issued up to 10 working days after the client goes through our Security Check.


14. MONEY TRANSFER AND THE PAYMENT SERVICES REGULATIONS

The Payment Services Regulations 2017 (“the Regulations”) and the Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC govern the transfer of money to recipients within the European Economic Area (being all members states of the European Union, together with Norway, Iceland and Liechtenstein), where the transfer of funds is carried out in Euros, Sterling or the currency of another EEA state which has not adopted the Euro as its currency. The Regulations set down some rules applicable where we are requested to send on funds after the completion of a Transaction. We can provide you with further details of these rules should you require them. .

15. ADDITIONAL INFORMATION RELATING TO A MONEY TRANSFER

15.1 The information we are obliged to provide to you is set out at clauses 1 and 2 of these Terms

15.2 If you ask us to provide you with any information or materials which we are not required to provide under the Regulations, we may ask you to pay us a fee to cover our costs of providing them to you. If you do ask us to do this, then we will advise you of any fee that may apply.

15.3 Where requested, customer certificates may take up to five (5) Business Days to process.

16. COMPLAINTS

16.1 We value all our customers and take our obligations seriously. We have established internal procedures for investigating any complaint that may be made against us in relation to any Payment Transaction. In accordance with our complaints procedure, any complaint you may make relating to any Payment Transaction must be made or confirmed to us in writing to Head of Client Services at LCC Trans-Sending Ltd, 209 - 215 Blackfriars Road, London SE1 8NL, or by electronic message to customerservice.uk@smallworldfs.com, in each case enclosing a copy of the receipt you were given when placing the Payment Order. Customerservice.uk@smallworldfs.com is our official correspondence address. We shall investigate your concerns and respond to you promptly and at the latest within 15 Business Days of receipt of the compliant. In exceptional situations, if the answer cannot be given within 15 Business Days for reasons beyond our control we will send a holding reply, clearly indicating the reasons for a delay in answering to the complaint and specifying the deadline by which you will receive the final reply. In any event, the deadline for receiving the final reply shall not exceed 35 Business Days. Where a case has been temporarily closed, once it is re-opened, the same timeframes will once again apply. If you are still dissatisfied following our response to any complaint, you may have a right to refer your complaint concerning the money transfer to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. If you would like further details of our complaints policy relating to Payment Transactions please contact our Head of Client Services.

16.2 In order for your complaint to be processed efficiently and in accordance with the procedures set out above, it must be sent to and received by our Head of Client Services (in accordance with the provisions set out above in this section 13) within 180 days of the date on which the Payment Order was placed.

16.3 Alternatively, you may use Online Dispute Resolution (“ODR”) which offers you an out-of- court dispute resolution process for disputes relating to online transactions: http://ec.europa.eu//consumers/odr/.

17. NOTICES IN WRITING

17.1 Where any notice is required under these Terms to be given in writing, it must be written in the English language and:

17.2 Where it is to be given by you, it must be sent by email to customerservice.uk@smallworldfs.com or by post to Private Client Services at LCC Trans-Sending Limited, 209 -215 Blackfriars Road, London SE1 8NL

17.3 Where it is to be given by us, it must be sent by email to the last email address which we hold for you or by post to the last postal address we hold for you, or to such other email or postal address in the United Kingdom which you tell us to use by notifying us in advance in writing in accordance with the provisions of clause 17.

17.4 Any notice sent by email will be treated by you and us as being received on the first Business Day coming after the day on which it was sent and any notice sent by post will be treated by you and us as being received on the second Business Day coming after the day on which it was posted.

17.5 You must notify us of any change to your address.

18. INTELLECTUAL PROPERTY RIGHTS

 18.1 The Site and the Small World Online Service, the content, and all intellectual property relating to them and contained in them (including but not limited to copyrights, patents, database rights, trademarks and service marks) are owned by us, our affiliates, or third parties. All rights, title and interest in them shall remain our property and/or the property of such other third parties.

18.2 The Site and the Small World Online Service may be used only for the purposes permitted by these Terms or described on the Site. You may not duplicate, publish, modify, create derivative works from, participate in the transfer or sale of, post on the World Wide Web, or in any way distribute or exploit the Site, the Small World Online Service or any portion thereof for any public or commercial use without our express written permission.

18.3 You may not: (a) use any robot, spider, scraper or other automated device to access our Site or the Small World Online Service; and/or (b) remove, copy, extract from or alter any content, copyright, trademark or other proprietary notice or legend displayed on the Site.

18.4 Other product, service and company names appearing on the Site may be trademarks of third parties.

19. CHANGE OF TERMS

We may amend these Terms from time to time. If we make any change to these Terms, we will publish the revised version on these Terms on the Site: www.smallworldfs.com informing of the date from which any change is to take effect. This will be no earlier than two months from the publication of the amended version of the terms and conditions. By continuing to use the Services after any change has become effective, you agree to be bound by the revised terms and conditions of the Terms as of the effective date of such changes.

 20. GOVERNING LAW

Our agreement with you is governed by English law. Save as otherwise set out in these Terms we both agree that any dispute, claim or other matter relating to the Service will be dealt with by the English courts only. LCC Trans-Sending Limited is a company incorporated and licensed under the laws of the United Kingdom, engaged in the business of funds remittance with its Head Office located at: 209 -215 Blackfriars Road, London SE1 8NL. Email: customerservice.uk@smallworldfs.com www.smallworldfs.com Tel: +44 (0) 20 7378 1100 Fax: +44 (0) 20 7407 1101 The company is established in the UK with company number 04363859 and is a money service business registered with HM Revenue and Customs No. 12113760. LCC Trans-Sending Ltd is authorised by the FCA (Financial Conduct Authority) under the Payment Services Regulations 2009, registration number 504482 for governing the provision of payment services. In the event of a conflict between the English version of these Terms and any translated version of these Terms, the English version of these Terms will take precedence.

 21. SAFEGUARDING

OBLIGATIONS In compliance with article 23 of the Payment Services Regulations 2017, we protect all customer funds paid to us by customers entering into a payment service contract. We have adopted the "insurance method" and safeguard your funds from the moment we receive the funds. Customers placing a foreign exchange transaction without an associated payment service are not covered by this protection.


United States SWFS Website Terms and Conditions


As an Authorized Payment Institution, Choice Money Transfer, Inc. (d/b/a Small World Money Transfer) recognizes that, as a non-bank financial institution, we are at risk of being exploited by money launderers. We fully recognise that we have both civic responsibilities and legal obligations to do all we can to prevent the abuse of our services.

  • Staff knowledge, awareness and training on regular basis
  • Customer identification (KYC Policy, Know Your Customer).
  • Keeping records of all transactions.
  • Reporting of information.
  • Proper scrutiny of information given by the customers.


Please read the following and our documents carefully.


This User Agreement governs the terms under which you may access and use Choice Money Transfer, Inc. / Small World ’s website. For purposes of this User Agreement, "website" or “online service” includes www.SmallWorldfs.com, and our mobile applications and any associated online services. The website enables you to send cash from the convenience of your computer or mobile device to beneficiaries virtually anywhere in the world, subject to these terms and conditions (a “money transfer”).

You are not authorized to use the website if you do not agree to be bound by the terms set forth in this User Agreement. By accessing or using the online service, you agree to be bound by the terms and conditions of this Agreement, as may be amended from time to time. Please read this User Agreement carefully and make sure you understand it fully before using the website.

As used throughout this User Agreement, the terms "Choice Money Transfer / Small World ", "we", "us", and "our" refer to Choice Money Transfer, Inc. / Small World Financial Services Group Limited, together with its employees, consultants, directors, successors, subsidiaries, affiliates, and assignees. The terms "you" and "your" refer to users of the online service, whether in their capacity as Senders, Beneficiaries or visitors to our website.

TERMS AND CONDITIONS

Choice Money Transfer / Small World assumes no responsibility in relation to the material included in these pages. This material: a) does not necessarily provide information that is exhaustive, complete, exact or up-to- date; b) may contain links to external pages over which we have no control and whose contents may be unknown to us, reasons for which we decline all responsibility; c) does not provide professional or legal advice.

It cannot be guaranteed that a document available on-line exactly reproduces an officially adopted text.

Nonetheless, in the event that an error should be found in these pages, we ask you to inform us of it so that we can rectify as soon as possible.

The reproduction, copying, use, distribution, commercialisation, public communication, or any other such activity involving the contents of these web pages is forbidden and always requires explicit authorization from Choice Money Transfer / Small World. Any such activities will be penalized in accordance with the copyright legislation applicable.

Transactions placed by users residing in one of Choice Money Transfer / Small World's U.S. licensed states will be doing business with Choice Money Transfer, Inc. d/b/a Small World Money Transfer, Small World Financial Services Group. If user is outside of the U.S., users will be doing business with another Small World Financial Services Group Limited subsidiary.

Choice Money Transfer / Small World does not necessarily coincide with the information and opinions contained in these web pages.

Choice Money Transfer / Small World takes no responsibility for the misuse of the contents of these web pages on the user's behalf.

Choice Money Transfer / Small World takes no responsibility for any information not contained in these web pages and as such, not issued directly under the control of Choice Money Transfer / Small World or not published with its name. In particular, Choice Money Transfer / Small World is not responsible for the contents and the information contained in the web pages of third parties connected by links with the web pages pertaining to Choice Money Transfer / Small World.

Choice Money Transfer / Small World reserves the right to update the contents of these web pages whenever it may see fit, as well as to delete them and to limit or prevent access to them, whether temporary or permanent. Choice Money Transfer / Small World is not obliged to control the information and opinions that users may transmit in the open forums of these web pages. However, Choice Money Transfer / Small World reserves the right to delete from its web pages any information or opinion from users that may be contrary to the law in force, especially when this represents an infringement of fundamental individual rights and liberties.

Whenever it is necessary to use a password or user name to access a service contained in these web pages, the user is obliged to keep it secret and use it diligently. In the event of the loss or negligent use of the password, the user will be responsible for any use that third parties may have been able to make of it.

UNDER NO CIRCUMSTANCES DOES CHOICE MONEY TRANSFER / SMALL WORLD ACCEPT RESPONSIBILITY FOR POSSIBLE DAMAGE, WHETHER DIRECT, INDIRECT, SPECIAL OR OF ANY OTHER NATURE, DERIVED FROM THE USE OF THIS WEB PAGE OR OF ANY OTHER WEB PAGE TO WHICH THE USER IS DIRECTED FROM THIS ONE, INCLUDING, WITHOUT ANY LIMITATION, ANY LOSS OF PROFITS, STOPPAGE OF BUSINESS, LOSS OF PROGRAMMES OR OTHER DATA FROM THE INFORMATION TREATED IN THE USER’S SYSTEM, EVEN WHEN WE HAVE BEEN EXPLICITLY INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

ANTI-MONEY LAUNDERING COMPLIANCE

Choice Money Transfer / Small World is licensed to conduct business in the states listed below. In accordance with the requirements of the Electronic Code of Federal Regulations, the Bank Secrecy Act, the USA PATRIOT Act, and all relevant state regulations, Choice Money Transfer / Small World employs a full time staff to monitor all agencies and transactions to ensure compliance with all applicable laws and regulations relating to the prevention of money laundering. Simply put, these laws define the circumstances under which financial institutions such as Choice Money Transfer / Small World are required to take reasonable steps to verify both the identity of its customers and the source of their funds. Some agencies, such as the Office of Foreign Asset Control, set limitations as to persons, organizations and even countries with whom a financial institution such as Choice Money Transfer / Small World can do business. It is important to note that these requirements do not necessarily depend on the size of the transaction. Through the use of sophisticated software filters and individual analysis, we are required to monitor all transactions for evidence of individuals engaged in a pattern of transactions that give rise to a reasonable suspicion that they are “structuring” their transactions to avoid providing information or documentation to verify their identity and/or source of funds. Thus, customers may be required to provide valid government identification and other information and documentation regarding the transaction and their source of funds, regardless of the size of the transaction.

The information provided by customers for fulfillment of our compliance obligations is considered non-public personal information. As such, Choice Money Transfer / Small World is prohibited by law from releasing this information except insofar as it is necessary to complete the customer’s transaction or in response to a request by a state or federal government agency.

1. OVERVIEW OF THE ONLINE SERVICE

The online service is intended for our customers to send money transfers and mobile reloads to beneficiaries. We recommend that the online service only to be used send money to people you know personally. You should not use the online service to send money to someone you do not know.

CONSUMER FRAUD ALERT: PROTECT YOURSELF FROM SCAMS AND FRAUD. PROTECT YOURSELF. BE CAREFUL WHEN A STRANGER ASKS YOU TO SEND MONEY, ESPECIALLY IN CONNECTION WITH AN INTERNET, NEWSPAPER OR TELEPHONE OFFER OR PROMOTION. We do not guarantee delivery or suitability of goods or services paid for with money transfers initiated through our online service. If you believe someone is trying to scam or defraud you or your Choice Money Transfer / Small World username or password have been lost or stolen, please contact us immediately by telephone 1-866-210-8002 or email at online.usa@smallworldfs.com.

Anytime you use our online service, you should safeguard your password and only use Choice Money Transfer / Small World for legal purposes only. If you want to learn more about sending money safely with Small World / Choice Money Transfer, please read our Privacy Policy.

Definitions:

● Sender: is the person who uses the online service to send money or to send mobile reloads.

● Beneficiary: is the person for whom a Sender makes a bill payment through the online service. (For instance, imagine that you use the online service to pay a bill for your relative). Your relative would be your Beneficiary and the company which receives the payment is the Online Service Company for that Transaction). You understand that the person referred to as a Beneficiary in this User Agreement may be referred to as the "Beneficiary" on your bill payment receipt.

● Receiving Country: is the country in which the Beneficiary or Online Service Company receives money or a mobile reload through our service.

● Transaction: is a specific instruction to send money through the online service.

● Transaction Amount: is the amount of money that the Sender provides to Choice Money Transfer / Small World to be sent in the Transaction, without the Transaction Fee.

● Transfer Fee: is the fee that the customer will pay for the transfer cost

● Other Fees: Additional fees for the customer to pay such as: bank or card fees, international bank fees and/or taxes or charges levied by the Beneficiary’s country.

● Total to Beneficiary/ Payout Amount: is the amount paid out to the Beneficiary or Online service Company, excluding any taxes or charges that may be levied under the laws of the receiving Country (Transfer Taxes).

2. OFFER AND ACCEPTANCE

In the case that you submit a Transaction, it shall be deemed as a request for us to process your Transaction, an offer which we may accept or reject at our sole discretion from our head office in Englewood Cliffs, New Jersey.

Please read this Agreement carefully before using the website. By using the website and by clicking to accept or agree to the terms of use when this option is made available to you, you accept and agree to be bound and abide by these terms of use and our Privacy Policy with respect to the service and money transfer transactions originated from the website. If you do not want to agree to these terms of use or the Privacy Policy, you must exit the website, and not use our money transfer service.

3. ACCESS TO THE ONLINE SERVICE

i) Eligibility of Users: To be eligible to use our online service as a Sender, you must be at least eighteen (18) years old. In addition, you must be able to form legally binding contracts under applicable law and other restrictions may apply.

ii) Not available in certain countries: The online service may not be available in whole or in part in different countries and jurisdictions as determined by local laws and regulations.

iv) Mobile Online Services: You can also access our online service via mobile device. You may incur mobile carrier's standard charges, data rates and other fees not related to fees charged by Choice Money Transfer / Small World for mobile online services.

4. REMITTANCE

a) Charges:

Choice Money Transfer / Small World reserves the right to reject credit card and debit card transactions if the client is not in USA. If you are traveling please use the payment mode of ACH (Direct Debit). Be aware that proof of Address and Identification will be requested.

For each transaction sent on your behalf, charges may apply in addition to the Transfer Fee. When those fees and charges are known, we will notify you of them before processing the transaction or, in some cases, provide an estimated amount. Your payment must be made on the same day as you are sending the transaction for processing. Choice Money Transfer / Small World only accepts payments in U.S. dollars (USD). If you send a transaction, where Choice Money Transfer / Small World receives less funds than required, chargeback fees, insufficient funds fee or similar charges may be imposed and you agree to reimburse Choice Money Transfer / Small World for all the mentioned charges

b) Foreign Currency:

When initiating a send Transaction, you agree to transfer the money in the set currency of where your Beneficiary is located. In addition to the Transfer Fee, a currency exchange rate may apply to the Transaction. Currency is converted to at an exchange rate set by us. Any difference between the rate given to you and the rate received by us will be kept by Choice Money Transfer / Small World in addition to the Transfer Fees. You may find out the current foreign exchange rate provided by Choice Money Transfer / Small World to its customers by calling toll-free to 1-866-210-8002 or by viewing the disclosed exchange rates posted on the website.

Subject to applicable law, the actual or estimated currency exchange rate applicable to Your transaction will be provided to you on the written disclosures provided to you by Choice Money Transfer / Small World in connection with your Transaction. Payouts will generally be made in the national currency of the payout location ("local currency"). We are not responsible for the currency exchange rate that will be applied if the Beneficiary chooses to receive a currency other than the currency where s/he is located.

c) Payments:

You authorize us to access, charge and debit funds from any of the Payment Methods that we make available in our online service. This will include, but not be limited to, credit card, debit card or an ACH transaction (direct debit). We do not accept pre-paid cards and corporate/business cards. If the payment cannot be fully completed or is an insufficient amount, we may retry debiting one or more times or, you shall change the payment method and pay us with a different payment method. You represent and guarantee to be the legitimate owner of the payment method used.

If you choose to pay by debit/credit card, please note that your transaction will be processed from a bank in the United Kingdom as Small World Money Transfer is a multi-national corporation with global headquarters in London, United Kingdom, not in the USA. Therefore, please only use a card that does not charge foreign or international transaction fees. If you are not sure your debit/credit card charges a foreign or international transaction fee, please contact your bank first. We are not responsible if after this disclaimer you continue with the transaction.

d) Other Charges:

Choice Money Transfer / Small World is not responsible for any additional charges from financial Institutions related to the payment methods that we make available in our online service. Choice Money Transfer / Small World will not be responsible for charges caused by lack of funds, overdraft or additional costs or fees charged by your bank, credit/debit card issuer, providers related to use of the online service.

e) Scheduled Money Transfers:

When using this online service, you authorize Choice Money Transfer / Small World to create a transaction in your name. When creating money transfer Transactions that involve currency exchange, you understand that it’s impossible for Choice Money Transfer / Small World to guaranty a future exchange rate. By using the website, you acknowledge and accept the exchange rate offered by Choice Money Transfer / Small World for the day.

f) Pre-Payment Disclosures and Receipt:

Prior to making a payment, Choice Money Transfer / Small World will provide you with the following pre-payment disclosures:

● Amount to be transferred

● Front-end fees and taxes

● Exchange rate (or estimate as permitted by law)

● Covered third-party fees

● Total amount to be received by designated recipient

Upon your making a payment in connection with a Transaction, Choice Money Transfer / Small World will provide you with a receipt containing the following information:

● Applicable pre-payment disclosures

● Date of funds availability

● Name of designated recipient

● Error resolution/cancellation

● State regulator and CFPB contact information

● Transfer date (applicable for transfers scheduled 3+ business days before date of transfer and first in a series of pre-authorized RTs)

5. TRANSACTIONS PAID OUT

i) Involved Service Providers:

We operate with local banks, money exchange houses, and other third party online service providers to pay in the destination countries.

You agree on sending the Transaction Amount to the Beneficiary as specified in the Transaction with the purpose of receiving the funds related with the online service. We will make an effort to keep up to date the locations, availability and timetables of our online service providers. You agree, acknowledge and accept that Choice Money Transfer / Small World will not in any way be responsible for any incomplete or inexact information that may be published on our websites.

ii) Identity Verification

You may be required to provide us with certain information, including certain government-issued identification documents, to allow Choice Money Transfer / Small World, among other things, to verify your identity and to complete the Transaction. You agree that the information you provide is not false, inaccurate or misleading. Please refer to our Privacy Policyfor information concerning use of your information.

You authorize Choice Money Transfer / Small World and third party providers to contact the Beneficiary and save all required information necessary for a proper performance of the Transaction.

You represent and warrant that the information in the account or bank details are correct, as money may not be recovered if it’s sent to the wrong account.

6. LIMITATIONS / RESTRICTIONS

i) General Limitations.

At any moment, and without prior notice and our full discretion, we may reject any Transaction or limit the amount to transfer, for any transaction or group of transactions.

ii) Delay Policy.

Your Transaction may be delayed or canceled in our discretion and without prior notice before the Beneficiary or third party supplier has received the Transaction Amount. We may delay or cancel the Transaction for any reason, that include among others: lack of identity verification, payment method validation, fraud and anti-money laundering compliance review, contacting or locating you, your Beneficiary, the online service provider. Working timetable, system availability or disposal of currency may also be a reason for delay. Nonetheless you are entitled to request a refund in certain circumstances.

iii) Restrictions on Commercial Transactions. You may only use the online service to send money for and/or to Beneficiaries that you know for non-commercial purposes. If the online service is used for commercial purposes, we may, in our sole discretion, cancel your Transaction/s and close your account.

iv) Unauthorized Transactions.

The purpose of our online service is to allow customers to transfer money to families and friends. We may, in our sole discretion, cancel any transaction or close any account that we suspect has been used for any non-personal reasons. You may not use the online service in violation of this Agreement, applicable laws, rules or regulations. It is a violation of this Agreement if you use the online service for any of the following, but limited to, activities: sexually oriented online services or materials, gambling, fraud, money laundering, financing of terrorist organizations, buying or selling tobacco, firearms, medicines or banned drugs; or sending money to a politically exposed person or a Beneficiary that has previously violated this Agreement. If you use our online service for these purposes, Choice Money Transfer / Small World reserves the right to report the activity to the authorities.

v) Restricted Activities.

As a user of the online service, you agree that you will not do any of the following:

● Breach this or any other agreement between you and Choice Money Transfer / Small World.

● Open more than one account.

● Provide false, incorrect or misleading information.

● Fail to cooperate with any investigation or to provide confirmation of your Identity or any other information we may need.

● Use an anonymous proxy server. ● Make a cash advance from your credit card (or help others to do so).

● Share transaction data or other information with anyone but the online services firm, your recipient and/or your Beneficiary and you will instruct the recipient or Beneficiary not to share transaction numbers or other information.

● Violate any other restriction of this end user agreement.

vi) Eligibility.

We reserve the right, in our sole discretion, to reject transactions involving certain payment instruments. In addition, we may reject transactions, from certain senders or those directed to certain beneficiaries or to certain online services firms, including those persons who appear on the Specially Designated Nationals list, Noncooperative Countries and Territories list or any other list issued by the USA government, the Treasury Department or any other governmental agency.

vii) Others.

You are not allowed to send or receive transactions:

1) On behalf of any other person,

2) On behalf of any firm or person

3) On behalf of any charity organization without our consent.

You may send transactions to online services firms or beneficiaries who you personally know. At any time and in our sole discretion, we may reject any transaction, close multiple accounts linked to: any individual, persons related to that individual or persons sharing a household with that individual.

viii) Impossibility of any Change.

You may not change your transaction details once it has been processed by us, except as may be permitted by law. It is your responsibility to review the transaction details provided to us for accuracy before it is submitted for processing.

7. COLLECTION OF INFORMATION

Privacy policy.

By accepting this user agreement you acknowledge and accept the privacy policy of “CHOICE MONEY TRANSFER / SMALL WORLD” which constitutes an agreement between you and “CHOICE MONEY TRANSFER / SMALL WORLD”. To read our privacy policy, please click this link.

Divulgation of Information to the Government: The law allows the release and/or disclosure of non-public personal information about you and transactions conducted by you to government authorities and enforcement agencies as explained in our privacy policy.

Client Identification Program: We are required to collaborate with the government to help fight against terrorist financing, money laundering and other financial crimes. U.S. law requires that we obtain, verify and maintain information about you. For that reason we may ask you to provide us with nonpublic, personal identifying information, about you or your beneficiary. We may also lawfully obtain information about you from independent sources, without your knowledge or consent, including non-personal identifying information that we may obtain when you visit our website. Information verification: You authorize us to verify whatever we consider is necessary through the sources we need in order to validate the information you provide us. This may imply a request for additional info, requiring you to take steps to confirm your email address, mobile device or financial instruments or verify against 3 rd party databases or any other sources. This can also include the verification of your beneficiary’s information.

8. ERRORS AND PROBLEMS

a. Error Resolution

What To Do If You Think There Has Been An Error or Problem:

If you think there has been an error or problem with your remittance transfer:

● Call us at 1-800-268-6458; or

● Write to us at Complaints Management, 560 Sylvan Avenue, Englewood Cliffs, NJ 07632, 10118; or

● E-mail us at cs@smallworldfs.com

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 provide us with:

(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 dollar amount of the transfer; and

(5) The confirmation code or number of the transaction.

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 certain documentation we used in our investigation.

b. Complaints

To submit any complaints related to services rendered by Choice Money Transfer / Small World, please contact us at 1-866-210-8002 or by email at online.usa@smallworldfs.com

c. State-Specific Provisions for Complaints:

The following provisions apply to the residents of the states identified below. Please note that Choice Money Transfer / Small World is also authorized to process money transfers for residents in South Carolina since a license is not required. 

California : www.dbo.ca.gov

Phone: 866-275-2677

Mail: 

Department of Financial Protection and Innovation

 Attn: Consumer Services 2101 Arena Boulevard, Sacramento, CA 958134

If you have complaints with respect to any aspect of the money transmission activities conducted on the website or mobile app, you may contact the California Department of Financial Protection and Innovation at its toll-free telephone number, 1-866-275-2677, by email at consumer.services@dbo.ca.gov, or by mail at the Department of Financial Protection and Innovation, Consumer Services, 12101 Arena Boulevard, Sacramento, CA 958134.

Connecticut : http://www.ct.gov/dob

Phone: 860-240-8299

Mail: Connecticut Department of Banking Attn: Government Relations and Consumer Affairs 260 Constitution Plaza Hartford, CT 06103-1800

Delaware : http://www.banking.delaware.gov

Phone: 302-739-4235

Mail: Office of the State Bank Commissioner Attn: Compliance 555 E. Loockerman St., Suite 210 Dover, DE 19901

District of Columbia : http://disb.dc.gov/

Phone: 202-727-8000

Mail: District of Columbia Department of Insurance, Securities and Banking Attn: Compliance 810 First St., NE, Suite 701 Washington, DC 20002

Florida : http://www.flofr.com

Phone: 800-342-2762

Mail: Florida Dept. of Financial Services 200 East Gaines St. Tallahassee, FL 32399

Georgia : http://www.dbf.georgia.gov

Phone: 770-986-1633

Mail: Dept. of Banking and Finance 2990 Brandywine Rd., Suite 200 Atlanta, GA 30341-5565

 Illinois : http://www.idfpr.com/DFI

 Phone: 312-814-6910

 Mail: Illinois Department of Financial and Professional Regulation 100 West Randolph St., 9th Floor Chicago, IL 60601

 Maryland : http://www.dllr.state.md.us

 Phone: 410-230-6077

 Mail: Commissioner of Financial Regulation 500 N. Calvert St., Suite 402 Baltimore, MD 21202

 Michigan : http://www.michigan.gov/difs

 Phone: 877-999-6442

 Mail: Michigan Dept. of Insurance and Financial Services 611 W Ottawa St, 3rd Floor Lansing, MI 48933

 New Jersey : http://www.state.nj.us/dobi

 Phone: 609-292-7272

 Mail: NJDOBI P.O. Box 471 Trenton, NJ 08625-0471

 New York : http://www.dfs.ny.gov

 Phone: 800-342-3736

 Mail: NY Dept. of Financial Services Attn: Consumers Assistance Unit One Commerce Plaza Albany, NY 12257

 North Carolina : http://www.nccob.gov

 Phone: 888-384-3811

 Mail: Commissioner of Banks 4309 Mail Service Center Raleigh, NC 27699-4309

 Ohio : http://www.com.ohio.gov/fiin

 Phone: 800-321-3100

 Mail: Ohio Department of Commerce Division of Financial Institutions Attn: Consumer Complaints 77 High Street, 21st Floor Columbus, OH 43215

 Pennsylvania : http://www.portal.state.pa.us

 Phone: 800-722-2657

 Mail: Pennsylvania Department of Banking Attn: Consumer Services 17 N Second St., Suite 1300 Harrisburg, PA 17101-2290

 Rhode Island : http://www.dbr.ri.gov/divisions/banking

 Phone: 401-462-9503

 Mail: Rhode Island Department of Business Regulation Attn: Division of Banking 1511 Pontiac Avenue, Bldg. 68-2 Cranston, RI 02920

 Tennessee : http://www.tn.gov/tdfi 

 Phone: 800-778-4215

 Mail: TN Dept. of Financial Institutions Attn: Consumer Resources Section 400 Dreaderick St., 6th Floor Nashville, TN 37243

 Texas : http://www.dob.texas.gov 

 Phone: 877-276-5554 

 Mail: Texas Department of Banking 2601 North Lamar Blvd. Austin, TX 78705

 Virginia : http://www.scc.virginia.gov 

 Phone: 804-371-9657 

 Mail: VA Bureau of Financial Institutions 1300 East Main St., Suite 800 Richmond, VA 23218-0640

 9. CANCELLATION AND REFUNDS

 a. Money Transfer Cancellation and Refunds Disclosures (All States Except California)

 You have the right to cancel a remittance transfer and obtain a refund of all funds paid to us, including any fees. In order to cancel, you must contact us at 1-800-268-6458 within thirty minutes of payment for the transfer. When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the amount and location where the funds were sent. We will refund your money within three business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipient's account. Please note that your bank or card provider may take up to 15 business days to process the credit to your account in accordance to their policies. Refunds are only made in U.S. dollars.

 b. State-Specific Money Transfer Cancellation and Refund Disclosures (California Only)

 RIGHT TO REFUND: You, the customer, are entitled to a refund of the money to be transmitted as a result of this agreement if Choice Money Transfer / Small World does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the money 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 want a refund, you must write us via e-mail at online.usa@smallworldfs.com. You can also write us at: Choice Money Transfer / Small World, Attn: Online Customer Service, at 560 Sylvan Avenue, Englewood Cliffs, NJ 07632. In case you do not receive your refund, you may be entitled to your money back plus a penalty of up to US$ 1,000 and attorney’s fees according to Section 2102 of the California Financial Code.”

 10. CHOICE MONEY TRANSFER / SMALL WORLD'S INTELLECTUAL PROPERTY

 You acknowledge and agree that Choice Money Transfer / Small World as the sole owner of the online service which includes: our websites, text, graphics, links, buttons, logos, and images, as well as all other Choice Money Transfer / Small World patents, copyrights, trademarks, trade secrets, online service marks, logos, and product and online service names that are all exclusively owned by Choice Money Transfer / Small World (the "Choice Money Transfer / Small World Intellectual Property"). You agree not to display, use, copy, or modify the Choice Money Transfer / Small World Intellectual Property in any manner. You are only allowed to view and retain a copy of our website pages for your own personal non-commercial use. Additionally you agree not to:

 1. use any automated devices, data mining, robots, or any other similar practice for data gathering or extraction methods to access or use the online service;

 2. modify, copy, frame, scrape, rent, lease, loan, sell, distribute or create derivative works based on the online service, in whole or in part, except the information you upload to the online service through legally permissible means;

 3. remove or modify any author, trademark or other proprietary notice or legend displayed on our websites (or printed pages thereof); or

 4. infringe on Small World’s / Choice Money Transfer's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy.

 The software and the technology underlying the online service are the property of Choice Money Transfer / Small World, its affiliates and any other brand name under the Small World Financial Services group. Subject to the terms and conditions of this User Agreement, Choice Money Transfer / Small World 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 online service, provided that you agree not to copy (except as expressly provided herein), 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 herein are reserved by Choice Money Transfer / Small World.

 CHOICE MONEY TRANSFER; SMALL WORLD FINANCIAL SERVICES; SMALL WORLD FS; SWFS; SWISS TRANSFERS; EXPRESS FUNDS; GLOBAL LINK; LCC MONEY TRANSFER; UNIVERSAL DE ENVÍOS; UNO MONEY TRANSFER; are trademarks or registered trademarks of Choice Money Transfer / Small World in the United States and/or other countries.

 11. DISCLAIMER OF WARRANTIES 

 TO THE EXTENT PERMITTED BY LAW, THE ONLINE SERVICE AND SOFTWARE ARE PRESENTED "AS IS" AND WITHOUT ANY WARRANTY OR CONDITION. EXPRESS, IMPLIED OR STATUTORY. WE, OUR SUBSIDIARIES, 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. However, we cannot make any representations or warranties regarding the time needed to complete the processing due to certain factors that are beyond our control. This warranty gives you specific legal rights and other conditions may arise in connection therewith, which may vary from state to state. Notwithstanding the foregoing, you have the right for a refund as is expressed herein.

 12. LIMITATION OF LIABILITY

 Excluding for claims specified in SECTION 2102 OF THE CALIFORNIA FINANCIAL CODE ARISING FROM TRANSACTIONS ORIGINATED IN CALIFORNIA, UNDER NO CIRCUMSTANCES SHALL CHOICE MONEY TRANSFER / SMALL WORLD, ITS SUPPLIERS, VENDORS, ONLINE SERVICE PROVIDERS, ONLINE SERVICE COMPANIES, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES BEYOND THE SUM OF $500.00 (IN ADDITION TO REFUNDING THE TRANSACTION AMOUNT AND TRANSACTION FEES), INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IN CASE CHOICE MONEY TRANSFER / SMALL WORLD HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) AS A RESULT OF NEGLIGENCE ON THE PART OF SMALL WORLD / CHOICE MONEY TRANSFER, ITS SUPPLIERS, VENDORS, ONLINE SERVICE PROVIDERS, ONLINE SERVICE COMPANIES, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS.

 13. DISPUTE RESOLUTION AND GOVERNING LAW

 a. Governing Law

 This User Agreement shall be governed according to the laws of the State of New Jersey, and any activity relating to the online service shall be deemed to have been performed in New Jersey. Any dispute, conflict, claim or allegation related with the online service or User Agreement (a "Claim") shall be governed by and construed in accordance with the laws of New Jersey.

 b. Disputes with Choice Money Transfer / Small World

 Any problem or dispute with Choice Money Transfer / Small World's online service may be reported to our Online Customer Service. In the event there is any dispute between you and Choice Money Transfer / Small World, our goal is to obtain as much information as we can in order to resolve it. If our solution is not satisfactory, we will seek to provide you with a neutral and cost-effective means of resolving the dispute expeditiously.

 c. Arbitration

 Unless you opt out as set forth below, any dispute arising from or relating to this transaction shall be resolved by final and binding arbitration. The arbitrator shall also decide what matters are subject to arbitration. The arbitration will be administered by Choice Money Transfer / Small World.

 This agreement is governed by the Federal Arbitration Act, and any award shall be subject to judicial confirmation. Any arbitration shall take place on an individual basis; class actions or arbitrations are not permitted. If any part of this paragraph is deemed invalid, it shall not invalidate the other parts. You may opt out of arbitration within 30 days after initiating a Transaction by writing us at: Choice Money Transfer / Small World, Attn: Online Customer Service, at 560 Sylvan Avenue, Englewood Cliffs, NJ 07632. IF YOU DO NOT OPT OUT, YOU WILL WAIVE ANY RIGHT TO A TRIAL BY JURY OR JUDGE IN COURT AND ANY RIGHT TO PARTICIPATE IN A CLASS ACTION.

 d. Forum for Disputes

 In the event that you opt out of arbitration as described in section 14c above; you agree that any claim against Choice Money Transfer / Small World must be resolved in the Superior Court of New Jersey, Bergen County, unless both parties agree to a forum for the resolution of the claim.

 e. Improperly Filed Litigation

 All claims you bring against Choice Money Transfer / Small World must be resolved in accordance with section 14. All claims filed or brought contrary to Section 14 of this agreement shall be considered improperly filed and a breach of this Agreement. In the event of such a breach, Choice Money Transfer / Small World may recover attorneys' fees and costs (including in-house attorneys and paralegals) up to $1,000.00 USD from you, provided that Choice Money Transfer / Small World has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the action.

 14. INDEMNITY

 You agree to indemnify and hold harmless Choice Money Transfer / Small World, its suppliers, vendors, online service providers, online service companies and their respective subsidiaries, officers, agents, partners, employees, and consultants from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the online service, your connection to the online service, your violation of the User Agreement, or your violation of any rights of a third party arising from this Agreement.

 15. ELECTRONIC COMMUNICATIONS

 You agree that this User Agreement shall be entered into electronically. Unless otherwise required by law, the following communications will only be transmitted electronically and not in printed paper format or through any other non-electronic means: 1) This User Agreement and our Privacy Policy and all its modifications, amendments or appendixes to them.

 2) Your transactions reported through the online service.

 3) Any kind of notice or disclosure related to the online service including, without limitation, those required by Federal or State law.

 4) Any communication with the client related to the online service including communications related to claims or errors or non-authorized use of the online service.

 5) Any other kind of communication related to Choice Money Transfer / Small World or the service.

 You may withdraw your consent to receive all communication announcements via the electronic means, which shall have the effect of terminating your access to the online service. If you wish to withdraw your consent, please notify us in writing at: Choice Money Transfer / Small World, Attn: Online Customer Service, at 560 Sylvan Avenue, Englewood Cliffs, NJ 07632. To access and retain the any electronic communications directed to you pursuant to this Agreement, you will need the following:

 1) An internet browser which allows the use of JavaScript’s, supports the 128bits encryption and accepts first party cookies.

 2) An e-mail account with capability to read Choice Money Transfer / Small World emails.

 3) An internet connection and a device which support the before mentioned requirements.

 16. ADDITIONAL INFORMATION

 a. Client updates:

 You must inform us immediately of any change in your e-mail or telephone by updating your profile on our website. In the event that Choice Money Transfer / Small World does not have the correct contact information, we may not be able to notify you with important information or changes in your transaction status.

 b. Licenses:

 We are required by most U.S. jurisdictions in which we operate to have licenses to process money transfer transactions for consumers. A full listing of the state licenses that Choice Money Transfer / Small World Transfer holds can be viewed here.

 c. Entire Agreement:

 This User Agreement constitutes the entire agreement between you and Choice Money Transfer / Small World and governs your use of the online service, superseding any prior agreements between you and Choice Money Transfer / Small World.

 d. No Waiver:

 In case Choice Money Transfer / Small World does not enforce or exercise a right or provision of this User Agreement, this shall not constitute a waiver of the right or provision in question, and shall not guarantee that Choice Money Transfer / Small World 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.

 e. Modifications:

 Except as required by law, we may modify this Agreement without prior notice to you. You can review the latest version of the User Agreement on our webpage. If do not agree with any of the modifications, you may terminate your use of the online service at any time by providing notice of the termination in writing to Choice Money Transfer / Small World. If you are using the online service after the effective date of any modification or amendment, you shall be deemed to have accepted that amendment or modification. You are prohibited from modifying the terms of this User Agreement and acknowledge that any attempts by you to change this User Agreement shall be void.

 f. Language:

 In case there is any inconsistency between the different versions of our websites in English, Spanish or any other language, including the User Agreement, the English text shall control and bind the parties.

 g. Assignment:

 Subject to applicable law, Choice Money Transfer / Small World may assign this Agreement to a third party without your consent.

 h. Special note for international use:

 Export controls. Software available in connection with the service and the transmission of applicable data, if any, is subject to United States export controls. No software may be downloaded from Choice Money Transfer / Small World or otherwise exported or re-exported in violation of U.S. Export laws. Downloading or using the software is at your sole risk. 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.

 17. SECURITY

 The security and integrity of your account are our main priority. We work hard to make sure your information is safe and secure with us. We recommend and urge you not to send money, make any mobile reloads or pay any fee for someone you do not know personally and trust. You must be especially careful with offers that seem too good to be true. In case you think you have been or might be a victim of any kind of fraud, please do not hesitate in contacting us immediately at: 1-866-210-8002. If you observe someone using the online service in an inappropriate or impermissible way, please notify us by e-mail at: online.usa@smallworldfs.com. In the event that you receive any fictitious e-mails purporting to be from “Choice Money Transfer / Small World ”, please forward it to online.usa@smallworldfs.com.

 18. CONTACT INFORMATION

 Questions, notifications, and requests for refunds or further information can be sent to Choice Money Transfer / Small World, as follows: online online.usa@smallworldfs.com or by phone at 1-866-210-8002; or by mail at Choice Money Transfer / Small World, Attn: Online Customer Service, 560 Sylvan Avenue, Englewood Cliffs, NJ 07632.


 

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