Effective Date: 11/01/2025
These General Terms and Conditions (“Terms”) govern your use of Mega Money Transfer’s money transfer services (“Services”).
By using our Services, you agree to the following terms, which aim to provide clarity and transparency for all users.
1. Definitions
- “Service” refers to the money transfer and related services provided by Mega Money Transfer.
- “User” means any individual or entity using our Services.
- “Transaction” means any request or instruction submitted through our platform to transfer money.
- “Partner Institutions” means third-party financial institutions and payment providers involved in processing your transactions.
2. User Eligibility and Account Responsibility
- Users must be at least 18 years old and legally capable of entering into contracts.
- You agree to provide truthful, accurate, and complete information during registration and when conducting transactions.
- You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Notify Mega Money Transfer immediately if you suspect unauthorized use.
3. Using the Service
- Mega Money Transfer facilitates sending money to recipients worldwide. Services may vary by location and regulatory environment.
- You agree to use the Service only for lawful purposes and in compliance with all applicable laws, including anti-money laundering (AML), counter-terrorism financing (CTF), and sanctions regulations.
- You must not use the Service to send money derived from or intended for unlawful activities.
4. Fees, Charges, and Exchange Rates
- Applicable fees for money transfers will be clearly displayed before confirmation of your transaction.
- Exchange rates used for currency conversions are determined at the time of your transaction and may fluctuate.
- We reserve the right to adjust fees and exchange rates at any time without prior notice.
5. Transaction Limits and Processing
- We may impose minimum and maximum transaction limits for compliance, risk management, or operational reasons.
- Processing times vary depending on destination country, recipient’s institution, payment method, and regulatory factors.
- Mega Money Transfer is not liable for delays caused by banks, payment processors, or external factors beyond our control.
6. Compliance and Verification
- To comply with regulatory obligations, you may be required to provide valid identification and other documentation to verify your identity and transaction legitimacy.
- We reserve the right to refuse, hold, or cancel transactions if we suspect fraudulent or suspicious activity or if required by law.
7. Refunds and Cancellations
- Refund requests are subject to Mega Money Transfer’s policies and the cooperation of involved financial institutions.
- Some transactions may be irreversible once processed; please review your transaction details carefully before confirming.
8. Privacy and Data Protection
Your use of Mega Money Transfer Services is governed by our Privacy Policy,
which explains how we collect, use, and protect your information.
9. Limitation of Liability
- To the fullest extent permitted by law, Mega Money Transfer is not liable for any indirect, incidental, consequential, or punitive damages arising out of or related to the use of our Services.
- Our maximum liability for any claim related to a transaction will not exceed the amount of that transaction.
10. Indemnification
- You agree to indemnify and hold harmless Mega Money Transfer, its officers, employees, and affiliates from any claims, damages, liabilities, costs, or expenses arising from your violation of these Terms or misuse of the Services.
11. Intellectual Property Rights
- All intellectual property rights in the Mega Money Transfer website, software, and materials belong to us or our licensors.
- You may not copy, reproduce, or create derivative works from any content without explicit permission.
12. Termination or Suspension
- Mega Money Transfer may suspend or terminate your access to Services for violations of these Terms, suspected fraud, or legal requirements.
13. Changes to These Terms
- We may update or modify these Terms at any time.
- Updates will be posted on our website with the effective date.
- Continued use after changes constitutes acceptance of the new Terms.
14. Governing Law and Dispute Resolution
- These Terms are governed by the laws of Canada and applicable provincial laws.
- Disputes will be resolved through courts or arbitration located within our jurisdiction.
15. Contact Information