General Terms and Conditions for Online Money Transfer Services
THE MONEY TRANSFER SERVICES (THE “SERVICES”) ARE PROVIDED BY TRANSCASH SOLUTION INC. (TCS), A MONEY SERVICES BUSINESS (CANADA), AND ARE SUBJECT TO THESE GENERAL TERMS AND CONDITIONS (THE “AGREEMENT”) AND APPLICABLE LAWS. You can obtain more information about the services at www.transcashsolution.com or by asking your TRANSCASH SOLUTION INC agent (the “Agent”). Service availability depends on certain conditions related to transfers, including the selected service (and any specific terms of each service, as defined below), the amount sent, the destination country, currency availability, regulatory issues, identification requirements, and agency hours of operation (collectively, the “restrictions”). The designated recipient (the “Recipient”) can generally collect the funds sent by a TRANSCASH SOLUTION INC client (“you”) from the agency located at the expected payout location in the destination country. For transfers sent within Canada or to any country other than the United States, the expected payout location generally refers to an agency in the destination country you have designated. For transfers sent to the United States, the expected payout location generally refers to any agency located in the destination state you have designated or an adjacent state. The Recipient typically receives the funds you sent in cash. With certain services, funds may be credited to a bank account, a mobile wallet, or a similar account. In some cases, the Recipient may choose a different payment method than the one you specified; you thereby authorize TRANSCASH SOLUTION INC to honor the payment method chosen by the Recipient. Recipients receiving funds by means other than cash may be subject to additional charges. Some countries or territories may impose taxes, fees, or tariffs on the Recipient to receive or access transferred funds. In such cases, TCS is not responsible for these charges imposed by that country. By signing the transfer slip, you acknowledge the transfer terms and that you cannot take legal action against TCS for these charges imposed by your country. Transfers that exceed certain amounts; to certain destinations; subject to certain regulations; or that involve deferred delivery options may take longer, be subject to amount limits, or face additional restrictions. Transactions may be reported to relevant authorities.
In certain destinations, the Recipient may be required to provide one or two forms of identification, answer a verification question, or both to receive funds. For an additional fee, phone notifications may be added to eligible services.
ADMINISTRATIVE FEES: Transfers that you fail to collect or cancel within one month will be subject to a non-refundable transfer fee starting from the send date, which will be deducted from the sent amount.
REFUNDS: THE PRINCIPAL AMOUNT WILL BE REFUNDED and the money transfer canceled if payment has not been made when TRANSCASH SOLUTION INC processes your written request. If the Recipient refuses your funds or if you request a refund, TRANSCASH SOLUTION INC may charge you a fee to refund the principal.
TRANSFER FEES MAY BE REFUNDED: if the funds are not available within the stipulated time frame. Eligible refunds will be processed within 30 days following receipt of your valid written request.
LIMITATION OF LIABILITY: To the fullest extent permitted by applicable law, except: 1) in the case of transfers from Quebec, or where prohibited by applicable law, TRANSCASH SOLUTION INC SHALL NOT BE LIABLE FOR DAMAGES CAUSED BY THE NEGLIGENCE OF ITS EMPLOYEES, SUPPLIERS, OR AGENTS, IN AN AMOUNT EXCEEDING CAD $500 (in addition to refunding the transfer amount and applicable fees), and 2) IN NO EVENT SHALL TRANSCASH SOLUTION INC OR ITS AGENTS BE LIABLE FOR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR DAMAGES OF A SIMILAR NATURE.
CURRENCY EXCHANGE, INTERNATIONAL SERVICES: Payments are generally made in local currency (except at participating agency locations in some countries, which may pay in US dollars). In addition to applicable transfer fees for this transaction, a currency exchange rate will apply. Canadian dollars are converted to foreign currencies at the rate established by TRANSCASH SOLUTION INC. Any difference between the rate offered to you and the rate received by TRANSCASH SOLUTION INC will be retained by TRANSCASH SOLUTION INC (and in some cases, its agencies), in addition to the transfer fee. Please inquire with the agent about the applicable exchange rate for your transfer.
You can also obtain the current exchange rate offered by TRANSCASH SOLUTION INC to its clients by calling toll-free 1-514-552-8630.
The transfer fees and the money that TRANSCASH SOLUTION INC (or its agencies) collects when converting your dollars into foreign currency may vary depending on the chosen currency. Some TRANSCASH SOLUTION INC agencies may offer the Recipient the option to receive funds in a different currency than the one you selected. In such cases, TRANSCASH SOLUTION INC (or its agencies) may charge a surcharge for the currency chosen by the Recipient. If the payment currency you selected is not the national currency of the destination country, it may not be available at all TRANSCASH SOLUTION INC agencies in that country or may not be available in small enough denominations to fulfill your money transfer. In such cases, the paying agent may pay all or part of your transfer in the national currency.
IDENTITY AND LOCATION VERIFICATION: YOU AUTHORIZE TRANSCASH SOLUTION INC TO REQUEST YOUR MOBILE SERVICE PROVIDER TO USE YOUR SUBSCRIBER INFORMATION TO VERIFY YOUR IDENTITY. THIS INFORMATION MAY INCLUDE YOUR NAME, BILLING ADDRESS, EMAIL ADDRESS, AND PHONE NUMBER.
IT MAY ALSO INCLUDE LOCATION INFORMATION, IF AVAILABLE.
GENERAL: This agreement, including all documents incorporated by reference, constitutes the entire agreement between the parties. It replaces any prior agreement and may not be modified verbally. TRANSCASH SOLUTION INC has the right to assign this agreement to any party at any time without your consent. This agreement is governed by the laws of Quebec regardless of conflict of laws principles. If any provision of the agreement is deemed invalid, the remaining provisions remain valid. Services are intended only for individuals aged 18 and over (or 19 and over in territories where the age of majority is not 18). The English version of the agreement prevails in case of inconsistency with versions in another language. You and the Recipient declare that your use of the services does not violate: a) any law, including those relating to money laundering, illegal gambling, support of terrorist or fraudulent activities, or b) this agreement. The information provided to TRANSCASH SOLUTION INC must be accurate and complete. You must indemnify TRANSCASH SOLUTION INC and its agencies for all losses of any kind (including attorney’s fees on a solicitor-client basis) arising from any breach of the agreement by you or the Recipient.
TRANSCASH SOLUTION INC reserves the right to modify the services without prior notice.
PRIVACY: TRANSCASH SOLUTION INC and its agents collect personal information about you and the recipient from the transfers you make using the services and, where permitted or required by law, from other sources (the “Personal Information”), as explained in the TRANSCASH SOLUTION INC (Canada) Privacy Statement (the “Statement”). TO OBTAIN A COPY OF THE STATEMENT, ASK YOUR TRANSCASH SOLUTION INC AGENT, CALL 1-514-552-8630, OR VISIT WWW.TRANSCASHSOLUTION.COM. TRANSCASH SOLUTION INC and its agents collect and use Personal Information to: authorize and process transfers, manage business operations including fraud detection and prevention and other illegal activities, provide customer service, and respond to other needs described in the Statement. TRANSCASH SOLUTION INC may disclose Personal Information to the following: the recipient; our agents, as necessary; any recipient bank and any intermediary or other financial institution, if applicable, to process and complete your transfer; law enforcement authorities and other government authorities to prevent, detect, or investigate fraud or other illegal activities, as permitted or required by law; and as otherwise described in the Statement.
CONSUMER FRAUD: PROTECT YOURSELF. BE CAREFUL WHEN A STRANGER ASKS YOU TO SEND MONEY, ESPECIALLY FOR INTERNET AUCTIONS, NEWSPAPER ADS, OR PHONE OFFERS.
Customers may make inquiries or provide comments by writing to: contact@transcashsolution.com or
TRANSCASH SOLUTION INC. (TCS) 3430 Fleury Street East Montréal-Nord (QC), Canada, H1H 2R8
FOR CUSTOMER SERVICE, PLEASE CALL 1-514-552-8630
Special Terms for the Service
DIRECT DEPOSIT TO ACCOUNT: The direct deposit to account service (the “Service”) allows you to credit the bank account of a designated recipient (the “Recipient”). The availability of the direct deposit to account service also depends on certain conditions related to the transfer, including the bank’s participation, its operating hours and holidays, as well as its rules on fund availability (collectively, the “Restrictions”). Services are only offered at certain banks and in certain countries. Funds may be routed through intermediary banks or other financial institutions before reaching the destination bank (the bank where you are sending the funds), which has full responsibility for crediting the designated bank account. Transfers are generally credited to destination banks within three to five business days of sending, subject to Restrictions.
RELATIONSHIP BETWEEN TRANSCASH SOLUTION INC AND BANKS: TRANSCASH SOLUTION INC does not receive any compensation from destination or intermediary banks or other financial institutions in relation to the Services. TRANSCASH SOLUTION INC disclaims all liability to you and to any account holder for actions or omissions of destination or intermediary banks, including the imposition of additional fees. Neither TRANSCASH SOLUTION INC nor its agents endorse or recommend any particular bank for services. Contact TRANSCASH SOLUTION INC immediately at the address or phone number below if the amount credited to the designated bank account is less than the amount shown on your transfer receipt.
TRACKING: TRANSCASH SOLUTION INC generally cannot track a direct-to-account money transfer once it has been sent. However, you (or the Recipient) may make an inquiry directly with the destination bank or check the bank account. The bank may charge a fee for this inquiry.
REFUNDS: In general, THE PRINCIPAL AMOUNT WILL BE REFUNDED and the direct-to-account money transfer canceled if the Recipient’s bank account has not been credited at the time TRANSCASH SOLUTION INC processes your written refund request. Refunds of principal may be subject to additional fees imposed by the destination bank or to exchange rates (if applicable) applied by the destination bank or by TRANSCASH SOLUTION INC. A PRINCIPAL REFUND MAY NOT BE POSSIBLE IF A BANK ACCOUNT OTHER THAN THE RECIPIENT’S IS CREDITED DUE TO INCORRECT, INCOMPLETE, OR ILLEGIBLE INFORMATION YOU PROVIDED.
In general, TRANSFER FEES ARE REFUNDED if the funds are not credited to the designated account within 3 business days, subject to Restrictions, unless the delay is due to conditions beyond the control of TRANSCASH SOLUTION INC or its agents, such as telecommunications outages, or incorrect, incomplete, or illegible information you provided. Eligible refunds will be made within 30 days of receiving your valid written request.
Special Conditions for Mobile Money Transfer Services
Mobile money transfer services allow you to send a money transfer to the mobile phone account or mobile wallet account of a designated recipient (“Recipient”). The Recipient must have a mobile phone account with a mobile service provider to receive a money transfer. In certain circumstances, an unregistered Recipient may receive a money transfer at a TRANSCASH SOLUTION INC agent and be subject to additional requirements. Your money transfer will be deemed completed once TRANSCASH SOLUTION INC has delivered it to the Recipient’s mobile wallet provider, who will credit the Recipient’s account or hold the funds until the Recipient opens such an account. The mobile service provider is responsible for crediting the mobile phone account you designated. In case of inconsistency between the mobile phone number and the Recipient’s name, the transfer will be credited to the mobile wallet account corresponding to the phone number you provided. Transfers are generally credited to the Recipient’s mobile phone account within two to five business days of sending.
TCS
TRANSCASH SOLUTION INC reserves the right to modify services without prior notice.
CONFIDENTIALITY: TRANSCASH SOLUTION INC and its agencies collect personal information about you and the recipient from the transfers you make using the services and, when permitted or required by law, from other sources (the "personal information"), as explained in the TRANSCASH SOLUTION INC (Canada) Privacy Statement (the "statement"). TO OBTAIN A COPY OF THE STATEMENT, REQUEST IT FROM YOUR TRANSCASH SOLUTION INC AGENT, CALL 1-514-552-8630 OR VISIT WWW.TRANSCASHSOLUTION.COM. TRANSCASH SOLUTION INC and its agents collect and use personal information to: authorize and process transfers, manage business activities, including fraud detection and prevention and other illicit activities, provide customer service, and respond to other needs described in the statement. TRANSCASH SOLUTION INC. may disclose personal information to the following parties: the recipient, our agents, as needed, any receiving bank, and any intermediary or other financial institution, if applicable, to process and complete your transfer; law enforcement authorities and other government authorities to prevent and detect fraud or other illicit activities and investigate them, as permitted or required by law, and in any other way described in the statement.
CONSUMER FRAUD: PROTECT YOURSELF. BEWARE WHEN AN STRANGER ASKS YOU TO SEND MONEY, ESPECIALLY IF IT INVOLVES INTERNET AUCTIONS, NEWSPAPER ADS, OR TELEPHONE OFFERS.
Customers may request information about themselves or provide feedback by writing to: contact@transcashsolution.com or
TRANSCASH SOLUTION INC. (TCS) 3430, Fleury East Street, Montréal-Nord (QC), Canada, H1H 2R8
FOR CUSTOMER SERVICE, PLEASE CALL 1-514-552-8630
Specific Terms for the Service
DIRECT DEPOSIT TO ACCOUNT: The direct deposit service (the "service") allows you to credit the bank account of a designated recipient (the "recipient"). The availability of the direct deposit service also depends on certain transfer conditions, including the participation of the bank, its business hours, holidays, and its rules regarding fund availability (collectively, the "restrictions"). Services are only offered to certain banks and in certain countries. Funds may be transferred to intermediary banks or other financial institutions before reaching the destination bank (the bank where you send the funds), which is fully responsible for crediting the bank account you designated. Transfers are generally credited to destination banks within three to five business days following the sending of the funds, subject to restrictions.
RELATIONSHIP BETWEEN TRANSCASH SOLUTION INC AND BANKS: TRANSCASH SOLUTION INC does not receive any compensation from the destination or intermediary banks or other financial institutions related to the services. TRANSCASH SOLUTION INC is not responsible to you or any account holder for actions or omissions of the destination or intermediary banks, including the imposition of additional fees. Neither TRANSCASH SOLUTION INC nor its agents endorse any particular bank or recommend its services. Immediately contact TRANSCASH SOLUTION INC at the address or phone number provided below if the amount credited to the designated bank account is less than the amount payable as stated on the transfer receipt.
TRACKING: TRANSCASH SOLUTION INC generally cannot track a direct deposit transfer once it has been sent by TRANSCASH SOLUTION INC. However, you (or the recipient) can make a request directly with the destination bank or check your bank account. They may charge a fee for this request.
REFUNDS: In general, THE PRINCIPAL WILL BE REFUNDED, and the direct deposit transfer canceled if the recipient's bank account has not been credited at the time TRANSCASH SOLUTION INC processes your written refund request. Refunds of the principal may be subject to additional fees imposed by the destination bank or exchange rates (if applicable) applied by the destination bank or by TRANSCASH SOLUTION INC. THE PRINCIPAL REFUND MAY NOT BE POSSIBLE IF A BANK ACCOUNT OTHER THAN THE RECIPIENT’S IS CREDITED DUE TO INACCURATE, INCOMPLETE, OR ILLEGIBLE INFORMATION YOU PROVIDED.
In general, TRANSFER FEES WILL BE REFUNDED if the funds are not credited to the designated account within three business days, subject to restrictions, unless the situation is due to conditions beyond the control of TRANSCASH SOLUTION INC or its agents, such as telecommunications failures, or inaccurate, incomplete, or illegible information you provided. Eligible refunds will be processed within 30 days following receipt of your valid written request.
Specific Terms for Mobile Money Transfer Services
The mobile money transfer services allow you to send a money transfer to a mobile phone account or a mobile wallet account of a designated recipient ("recipient"). The recipient must have a mobile phone account with a mobile service provider to receive the money transfer. In some cases, an unregistered recipient may receive the money transfer at a TRANSCASH SOLUTION INC agency and may be subject to additional requirements. Your money transfer will be considered complete when TRANSCASH SOLUTION INC has paid the mobile wallet provider of the recipient, who will credit the recipient's account or hold the funds until the recipient opens such an account. The mobile service provider is responsible for crediting the mobile phone account you have designated. If there is a discrepancy between the mobile phone number and the recipient’s name, the transfer will be credited to the mobile wallet account associated with the mobile phone number you provided. Transfers are generally credited to the recipient's mobile phone account within two to five business days following the sending of the funds. TCS is not responsible if the recipient provides an incorrect mobile number. The agreement between the recipient and their mobile service provider or mobile wallet account governs the mobile wallet account, and recipients should refer to that agreement to check their rights, responsibilities, applicable fees, and account restrictions. Some mobile wallet accounts limit the total amount that can be transferred at once or held in the account.
TRANSCASH SOLUTION INC is not responsible for you or any recipient regarding actions or omissions of the mobile phone service provider or mobile wallet provider, including the imposition of additional fees. Contact TRANSCASH SOLUTION INC immediately at the address or phone number provided below if the amount credited to the mobile wallet account is less than the amount payable as stated on the transfer receipt.
REFUNDS: THE PRINCIPAL WILL BE REFUNDED, and the money transfer canceled if payment to the recipient's mobile phone account has not been credited and the recipient has not received a cash payment at a TRANSCASH SOLUTION INC agency, when permitted, at the time TRANSCASH SOLUTION INC processes your written request. Refunds of principal may be subject to additional fees imposed by the mobile service provider or mobile wallet account provider. THE REFUND OF PRINCIPAL MAY NOT BE POSSIBLE IF A MOBILE PHONE ACCOUNT OTHER THAN THE RECIPIENT’S IS CREDITED DUE TO INACCURATE, INCOMPLETE, OR ILLEGIBLE INFORMATION YOU PROVIDED. In general, TRANSFER FEES WILL BE REFUNDED if the funds are not made available to the recipient within the prescribed time frame by TRANSCASH SOLUTION INC, unless the situation is due to conditions beyond the control of TRANSCASH SOLUTION INC, the mobile service provider, or the mobile wallet provider, or their agents, such as telecommunications failures, or inaccurate, incomplete, or illegible information you provided. Eligible refunds will be processed within 30 days following the receipt of your valid written request.
The TRANSCASH SOLUTION INC group, our subsidiaries, and affiliates ("TRANSCASH SOLUTION INC", "we", "our", or "us") offer customers the opportunity to receive communications related to TRANSCASH SOLUTION INC services via SMS or email.
If you choose to subscribe, you will receive alerts, information, and updates on our services, as well as special offers, promotions, and marketing offers (according to your preferences). Your use of TRANSCASH SOLUTION INC's text messaging service is always governed by these Specific Terms for SMS or email. You can opt out at any time by following the instructions below.
Consent
BY CHOOSING TO RECEIVE SMS OR EMAIL FROM US, YOU CONFIRM THE FOLLOWING:
You accept these Specific Terms for SMS or Email and consent to the use and processing of your personal information according to TRANSCASH SOLUTION INC's Privacy Statement.
You agree to receive, according to your preferences, text messages or emails from TRANSCASH SOLUTION INC regarding updates or offers and promotions to the phone number you entered when you subscribed or your email address. The frequency of messages varies based on a number of factors, including how you use our services. You are not required to submit to these terms to use TRANSCASH SOLUTION INC services. We may use automated or non-automated technology to send you messages related to our services or promotional messages.
You are over 18 years of age and authorized to enter into this agreement.
You have entered the phone number correctly and are the owner or authorized user of it.
You will contact us within 48 hours if you change your phone number or if your number is reassigned to someone else or your email address.
You accept that the text messaging and data charges from your mobile network provider may apply. All charges are applied by your mobile service provider, and payments are made to them. No charges are imposed by TRANSCASH SOLUTION INC for the SMS or emails we send.
How to Subscribe to and Unsubscribe from TRANSCASH SOLUTION INC's Text Messaging Service and Email:
Subscription – Here’s how you can subscribe to the text messaging service and receive messages through your TRANSCASH SOLUTION INC email address:
You will have the opportunity at various times to subscribe to the text messaging service by providing your phone number and email address in person. You will then receive an initial text message notifying you of your decision to participate. If you have subscribed to receive updates related to our offers and promotions, we will ask you to respond affirmatively to confirm your acceptance of the Specific Terms for SMS and email.
Unsubscribing – You can unsubscribe at any time; you will then stop receiving all applicable communication. To unsubscribe, you must use one of the following three methods:
Send the SMS "STOP" or "STOP" to the appropriate number below. If you have chosen to receive both SMS related to updates on our services AND those related to promotions, you will need to unsubscribe from each of these services separately. A text confirming your unsubscription will be sent. You can unsubscribe from the email messaging service at any time by clicking the Unsubscribe button.
Call TRANSCASH SOLUTION INC customer service and ask to unsubscribe from the text messaging and email service. The appropriate phone numbers can be found here.
Request the unsubscribe from the text messaging service through the portal for access requests of concerned individuals. We will strive to respond to your request within 30 days, but the timeframe may vary depending on the laws and regulations applicable to your request.
Customer Support – If at any time you wish to get information on how to stop receiving text or email messages, reply to any of our SMS messages with the word “HELP”. We will respond and explain how you can unsubscribe. You can also contact TRANSCASH SOLUTION INC Customer Service for assistance. If you wish to contact us via a local or toll-free number, please reach out to Customer Service using the link.
When you unsubscribe from TRANSCASH SOLUTION INC text messaging service, you do not unsubscribe from other communications sent by TRANSCASH SOLUTION INC. To get information on how to unsubscribe from other communications, please refer to TRANSCASH SOLUTION INC's Privacy Statement.
Different service providers and devices may not support text messaging (SMS) and multimedia messaging (MMS). TRANSCASH SOLUTION INC and telecommunications companies cannot be held responsible for messages that are delayed or cannot be delivered.
The name and logo TRANSCASH SOLUTION INC and TCS, along with associated trademarks and service marks, are owned by TRANSCASH SOLUTION INC. (the "company"), and are registered or used in Canada and many countries. Other trademarks, service marks, and trade names mentioned in this document are the property of their respective owners.
You acknowledge that the TCS website, the services, and any underlying technology used regarding the TCS website or services contain proprietary intellectual property owned by TCS. You may not use, reproduce, distribute, modify, or create derivative works from any part of the TCS website, services, trademarks (registered or unregistered), service marks, intellectual property, or proprietary information provided therein unless it is necessary to view the content and create a reasonable number of copies of such content (without modification) for personal, non-commercial use. Additionally, you may not use, reproduce, distribute, modify, or create derivative works from headers, custom graphical elements, icons, or scripts without the prior written consent of the company.
Any right, title, and interest related to the website, its content, the services, technology used in the services, and any technology and content created or derived from the above remain the exclusive property of the company (or its agencies, clients, suppliers, or licensors, as applicable).
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European Union Users
The European Data Protection Law requires a "legal basis" for collecting and storing personal information from citizens or residents of the European Union. Our legal bases include:
We need your personal information to comply with our legal obligation to provide you with money transfer services.
Sometimes the law requires us to collect and use your data to provide you with reliable service. We take the security of your personal information seriously. We use various security measures to maintain the safety of your personal information when you use our services.
Your personal information is stored on secure servers or in secure file storage in Canada.
We may use your identity, device, and location information to prevent fraud and abuse and to ensure the security of our website, products, and services.
We respect your privacy. We do not disclose, sell, exchange, or transfer your personal information to third parties without your prior consent, except as required by law.
Users residing in certain countries, including Canada and EU Member States, are entitled to certain rights regarding their personal information. Unless an exception or exemption applies, these rights include your ability to access, correct, and request the deletion of your personal information. While these rights may not apply worldwide, all users of our products or services can manage and review their personal information by logging into your account on our website or contacting customer service. We may ask you to provide personal information to verify your identity before we can disclose, modify, or delete any personal information related to your account.
To modify or delete the personal information you have provided to us, or to manage your email marketing preferences, please log in to your account and update your profile or contact customer service.
No method of transmission over the Internet or electronic storage is completely secure, so we cannot guarantee its absolute security. Your account information is protected by a password, which you must choose carefully and keep secure. If you disclose your password to a third party, you risk losing significant control over your personal information, and you may have legally binding actions taken on your behalf. If the security of your password has been compromised for any reason, you should change it immediately.
We encourage the responsible disclosure of vulnerabilities in our website, products, or services by contacting our data protection team.
Complaints or violations of the policy should be reported to plainte@transcashsolution.com or by mail to Transcash Solution Inc. 3430, rue Fleury E, Montréal-Nord, QC, H1H 2R8, Canada.
Applicable Law and Jurisdiction
This Agreement and its interpretation are governed by the laws of the province of Quebec and the applicable laws of Canada, without giving effect to any conflict of law principles. The parties shall irrevocably submit any disputes arising from this Agreement to the courts of the Montreal district, Quebec, including disputes concerning the interpretation of the Agreement and its effects.