This Terms and Conditions
("Agreement" or "User Agreement") is a contract
between you and AT Pacific, Inc. and applies
to your use of the FXRemit.com foreign
exchange remittance service and any related
products and services (collectively the
"Service"). This Agreement affects your
rights and you should read it carefully.
We encourage you to print the Agreement
or copy it to your computer's hard drive
for your reference. In this Agreement, "you"
or "your" means any person or entity using
the Service ("Users"). Unless otherwise
stated, "FXRemit.com," "we", "us"
or "our" will refer collectively to AT Pacific,
Inc. and its subsidiaries, affiliates, directors,
officers, employees, agents and contractors.
By clicking "I Agree",
"I Accept"; or by submitting payment information
through the Service you agree to the terms
and conditions of this Agreement, the FXRemit.com
by reference. You further agree that this
User Agreement forms a legally binding contract
between you and FXRemit.com, and
that this Agreement constitutes "a writing
signed by You" under any applicable law
or regulation. Any rights not expressly
granted herein are reserved by AT Pacific,
Inc. This Agreement is subject to change
by AT Pacific, Inc. without prior notice
(unless prior notice is required by law),
by posting of the revised Agreement on the
FXRemit.com website. You may review
the current Agreement prior to initiating
a transaction at any time at our Terms &
By registering for the
Service, you appoint FXRemit.com
as your agent to process remittance on your
behalf in accordance with your instructions,
subject to the terms and restrictions of
this Agreement. You acknowledge that (i)
FXRemit.com is not a bank and the Service
is a foreign currency remittance service
rather than a banking service, and (ii)
FXRemit.com is not acting as a trustee,
fiduciary or escrow with respect to your
funds, but is acting only as an agent and
Our online foreign exchange
remittance service requires registration
from the customers by clicking the registration
link/button and providing the information
required. The use of the information collected
is gverned by our Privacy
Policy. Upon registration, the user
may use the services. For subsequent use,
registered users will only need to fill
out the recepient or beneficiary information,
amount, destination & delivery options
and payment options.
Payment of remittance by credit card
requires credit card verification. To
avoid fraud and protect credit card holders,
it may become necessary for a phone call
or email to be made to the user. Users
agree to use the correct contact numbers
and verification information. Our inability
to contact the users or cardholders might
result in suspension of the remittance.
To assure accurate and efficient delivery,
the users agree to provide accurante and
complete information and details of the
recipient or beneficiary of the funds.
FXRemit.com has the option to
deliver the funds thru door to door delivery
or telegraphic transfer depending on service
availabilty for a certain area. A service
fee shall be charged the appropriate services
that apply for every single transaction
entered into by the user. Deliveries within
Metro Manila shall be made within 24hours
after credit card verification and approval
or after the receipt of funds from your
bank, provided that one Philippine banking
day is within the 24-hour period.
For credit card remittances, there shall
be no minimum amount that needs to be
The current Dollar to Peso exchange
rate as posted in the FXRemit.com website
will be used to convert your funds to
Peso. This will be updated daily .
No deliveries will be made during Philippine
holidays and on conditions of force majeur.
Remittance service once placed, is non-is
non-reversible and non-refundable.
II. User Responsibilities
Each Remitter must register
online to avail of the FXRemit.com
remittance service and must also read and
agree to the terms and conditions of this
Users must provide us with true, complete
and accurate information. Users must be
at least 18 years of age, of sound mind
and a holder of a valid credit card (users
using credit card to fund their remittance)
with correct billing address information
matching the registered address in FXRemit.com.
Users agree that we may charge the FXRemit.com
service fee to his credit card.
You agree not to engage in behavior
that could reasonably be construed as
providing yourself a cash advance from
your credit card, and agree not to assist
Users who engage in behavior that could
reasonably be construed as providing themselves
a cash advance from their credit cards.
Such behavior includes, but is not limited
to, a User sending a beneficiary or recepient
with a credit card-funded remittance through
the FXRemit.com, then receiving
the funds back from the beneficiary or
recipient and attempting to withdraw the
funds from their account. We reserve the
right to reverse all such transactions
and to terminate any accounts that are
associated with such behavior.
Users agree not to use email addresses
of FXRemit.com customers to send
unsolicited email. You agree not to use
unsolicited email, usenet, message board
postings, or similar methods of mass messaging
(spam) to gather referral bonuses. The
use of spam to promote the Service has
strict negative consequences. We will
immediately and permanently terminate
the account of any User who has sent unsolicited
email targeting FXRemit.com users to gain
referrals or for any other purpose. In
addition, you may be subject to state
and federal penalties and other legal
consequences under applicable law if you
send unsolicited email. Our Anti-Spam
Policy is intended to protect our users,
the Internet, and us.
Users agree to provide true, complete
and accurate information about his intended
Beneficiary. If the information provided
is inaccurate or incomplete in any way,
such user agrees to hold FXRemit.com
free and harmless from any delay in delivery,
error in delivery or failed delivery.
Users consent to have their name and
email addresses made available to FXRemit.com
and its partners, subsidiaries and affiliates
to facilitate efficient remittance and
delivery of money.
Users are fully responsible for all
remittances made over the FXRemit.com
website. Once a remittance is made, such
remittance becomes final and irreversible.
Any disputes arising between User and
FXRemit.com with respect to a remittance
duly entered shall not be our responsibility.
Users agree that all remittances initiated
in which charges are made to their credit
cards are final and not reversible. Users
also agree that they will not charge back
any amount previously charged to their
credit card by FXRemit.com. If
a user charges back a credit card charge
for a payment initiated by him, FXRemit.com
may recover the amount of the charge-back
by re-charging user's credit card for
the amount of the charge-back.
Users agree not to divulge their passwords
to anyone else, nor may they use anyone
else's password. We are not responsible
for losses incurred by users as the result
of the misuse of passwords.
Users agree not to use FXRemit.com
services for other purposes including,
but not limited to hacking, tampering,
modifying or otherwise corrupting the
security or functionality of our services.
Users found guilty will be subject to
damages and other penalties, including
criminal prosecution if necessary.
Users agree to indemnify and hold FXRemit.com,
its affiliates, officers, directors and
employees free and harmless from any claim
or demand whatsoever relating to or arising
out of the remittance service where such
claim or demand results from Users' negligence
or wilfull misconduct.
This Agreement is governed by the laws
of the Territory of Guam or any applicable
US Federal law.
II. Duties and Responsibilities of FXRemit.com
FXRemit.com reserves the right
to verify any information provided by
a Remitter and to request additional information
as it may determine in its sole discretion.
FXRemit.com shall not be responsible
for payments made to unintended Beneficiaries
due to the input of incorrect, misleading
or inadequate information by Remitters.
FXRemit.com shall exercise its
best efforts to ascertain the identity
of the Beneficiaries.
FXRemit.com reserves the right
to hold funds beyond the normal delivery
periods undertaken for transactions it
deems, in its sole discretion, to be illegal,
wrongful or improper.
FXRemit.com, in its sole discretion,
may terminate this Agreement, access to
its website, or access to the remittance
service without prior notice and for any
reason whatsoever and at any given time.
FXRemit.com retains all right,
title and interest in and to its trademarks,
patents and tradenames. Remitters shall
only use FXRemit.com, FX Ventures
or FXPay trademarks with the express permission
of AT Pacific, Inc. Users shall not use
the trademarks in any manner that is damaging
to the AT Pacific, Inc. services.
FXRemit.com, in its sole discretion,
reserves the right to change, modify or
terminate this Agreement at any time and
for any reason whatsoever.
No deliveries will be made on legal
Philippine holidays and conditions of
II. Return/Refund Policy
FXRemit.com does offer any refund in our
foreign exchange remittance service.