This User Agreement governs the terms under which you may access and use this website and the services associated with it. By accessing and using our services, you are agreeing to this User Agreement. As used throughout this User Agreement, the terms "Remit4.com", "Muitosimples.com", "Remessafacil.com", "Authecambio.com", "we", "us", and "our" refer to Remit4 or Remessa Facil, DBA names of Star Business and Travel, Inc., a Florida corporation, agent of Lyons Xpress LLC. The terms "you" and "your" refer to users of our services.
1. Overview of the Service
The Service allows people to send money from the USA to Brazil. A "Sender" is someone who uses the Service to send money. A "Recipient" is someone who uses the Service to receive money through the Service. The "Destination Country" is the country in which the Recipient receives money through the Service. A "Transaction" is a specific instruction to send money through the Service. The "Transaction Amount" is the amount that the Sender provides for transmittal to the Recipient, excluding applicable fees and prior to any foreign exchange conversion. The "Payout Amount" is the amount paid out to the Recipient, excluding any taxes or charges that may be levied under the laws of the Destination Country (the "Local Taxes").
2. Accessing the Service
a. Eligible Users. You must be at least eighteen (18) years old to access or use the Service as a Sender. You must be able to form legally binding contracts under applicable law. Other restrictions may apply.
b. Not Available to Certain Residents. The Service may not be available in whole or in part in different states, countries, and jurisdictions.
c. Offer and Acceptance. If you submit a Transaction, you are requesting that we process your Transaction, an offer which we may accept or reject at our sole discretion.
3. Payment
a. Charges. For each Transaction that you submit, you agree to pay us a service fee (the "Service Fee") plus the Transaction Amount. Additional charges may apply. Payment is due at the time your transaction is submitted for processing. Muitosimples.com or Remit4.com only accepts payment in U.S. Dollars. If you submit a transaction that results in Muitosimples.com or Remit4.com being charged with NSF fees, chargeback fees, or other similar fees, you agree to reimburse us for all such fees.
b. Payment. In order for us to collect payment from you, you authorize us to access or debit funds from any of the payment instruments you provide us in connection with your use of the Service (each, a "Payment Instrument" including, for example, your credit/debit card or bank account). If your payment fails or is insufficient, you authorize us to re-try one or more times using the same or a different Payment Instrument. For example, if there are insufficient funds in your bank account at the time you submit your Transaction, we may try to debit your bank account at a later time. You represent and warrant that you are the lawful owner of your Payment Instrument(s).
c. Other Charges. Muitosimples.com and Remit4.com are not responsible for any fees or charges that may be imposed by the financial institutions associated with your Payment Instruments. Muitosimples.com is not responsible for any insufficient funds charges, NSF fees, chargeback fees, or other, similar charges that might be imposed on you by your bank or other providers.
d. Foreign Currencies. Muitosimples.com and Remit4.com and its Service Providers usually make money when you pay for a Transaction in one currency, and the Transaction is paid out in another, based on the difference between the exchange rate at which we buy foreign currency and the exchange rate provided to you. You agree that when you send a Transaction to a Recipient's bank account, that the bank account is denominated in the same currency as the Transaction.
4. Disbursement
Service Providers. We work with local destination banks, money exchange houses, and other third-party service providers (each, a "Service Provider") to pay funds out to Recipients. You, in your capacity as a Sender, hereby appoint your Recipient as your agent for the purpose of receiving funds in connection with the Service. We attempt to provide up-to-date information on our website regarding the location, availability, and hours of our Service Providers. However, you agree that Muitosimples.com and Remit4.com are not responsible for any inaccurate or incomplete information that may be posted on the site.
5. Restrictions
a. General. We may, at any time and in our sole discretion, refuse any Transaction or limit the amount to be transferred, either on a per transaction basis or on an aggregated basis. Any such limits may be imposed on individual accounts, linked accounts, or on related accounts or households, in Muitosimples.com and Remit4.com's sole discretion. We reserve the right at any time, and from time to time, to modify or discontinue the Service (or any part thereof) with or without notice.
b. Delays. Your Transaction may be delayed or canceled in the course of our efforts to verify your identity, validate your Transaction instructions and Payment Instruments, contact and locate you, and otherwise comply with applicable law. Business hours and currency availability may also play a role. Nevertheless, you may be entitled to a refund in certain circumstances, as described herein.
c. Unauthorized Transactions. You may not use the Service in violation of this User Agreement or applicable laws, rules or regulations. It is a violation of the User Agreement to use the Service for any of the following activities (without limitation): sexually-oriented materials or services, gambling activities, fraud, money laundering, the funding of terrorist organizations, or the purchase or sale of tobacco, firearms, prescription drugs, or other controlled substances; or to send money to a Recipient that has violated the User Agreement. If you use the Service in connection with illegal conduct, Muitosimples.com and Remit4.com reserve the right to report you to the appropriate law enforcement agency or agencies.
d. Ineligibility. Not all Payment Instruments are available to all customers at all times. We may, in our sole discretion, refuse Transactions funded from certain Payment Instruments. We may, at our sole discretion, refuse Transactions from certain Senders and to certain Recipients, including without limitation, entities and individuals that are included on the Specially Designated Nationals list, Noncooperative Countries and Territories list, and such other lists as may be issued from time to time by the U.S. Department of Treasury and other government agencies.
e. Transactions on Behalf of Others. You may not submit or receive a Transaction on behalf of any other person. If you intend to submit or receive a transaction on behalf of a business or other non-human entity, you must inform Muitosimples.com and Remit4.com of your desire to do so. You agree to provide us with additional information about any such entity, as requested by Muitosimples.com or Remit4.com.
f. No Changes. We generally do not let you change the details of your Transaction once it's submitted to us for processing. It is your responsibility to make sure your Transaction details are accurate.
g. Restricted Activities. In connection with your use of our website or the Service, or in the course of your interactions with Muitosimples.com or Remit4.com, a user or a third party, you will not:
- Breach this User Agreement or any other agreement between you and Muitosimples.com and Remit4.com;
- Open more than one account, without our prior written permission;
- Provide false, inaccurate, or misleading information;
- Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us;
- Use an anonymizing proxy;
- Use any robot, spider, other automatic devices, or manual process to monitor or copy our website without our prior written permission.
6. Collection of Information
a. Privacy Policy. By agreeing to this User Agreement, you acknowledge and consent to Muitosimples.com and Remit4.com's Privacy Policy. The Privacy Policy can be found on our website Muitosimples.com and Remit4.com.
b. Customer Identification Program. To help the government fight the funding of terrorism and money laundering activities, U.S. law requires that we obtain, verify, and record information about you. We may require that you provide us with nonpublic, personal, identifying information. We may also lawfully obtain information about you from other sources without your knowledge, including nonpersonal identifying information that we may obtain while you visit this website. Please see our Privacy Policy.
c. Government Disclosures. We may provide information about you and your Transactions to government authorities and enforcement agencies, as described in our Privacy Policy.
d. Verifying information. You authorize us, directly or through third parties, to make any inquiries we consider necessary to validate the information that you provide to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your email address or financial instruments, verifying your information against third party databases, or through other sources.
7. Problems & Right to Refund
General. Please let us know if you have any problems with the Service. The following applies only to Transactions that are submitted by Senders in Florida. RIGHT TO REFUND: You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Star Business and Travel, Inc. 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 mail or deliver your written request to Star Business and Travel, Inc. at 1507 Park Center, Suite 1I, Orlando, FL 32835.
Error Resolution and Cancellation Disclosure: You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days at 407-354-3474 or via our support channels. You can also contact us for a written explanation of your rights. You can cancel for a full refund within 30 minutes of payment unless the funds have been picked up or deposited. The recipient may receive less due to fees charged by the recipient's bank and foreign taxes.
8. Intellectual Property
You acknowledge that the Service, including but not limited to the content of this website, text, graphics, links, buttons, logos, and images, as well as all other Muitosimples.com and Remit4.com copyrights, trademarks, service marks, logos, and product and service names are owned exclusively by Muitosimples.com and Remit4.com. You agree not to display, use, copy, or modify the Intellectual Property in any manner.
9. Disclaimer of Warranties
The service is provided "as is" and without any warranty or condition, express implied, or statutory. We, our subsidiaries, employees, and our suppliers specifically disclaim any implied warranties of title, merchantability, fitness for a particular purpose, and non-infringement.
10. Indemnity
You agree to indemnify, defend and hold Muitosimples.com and Remit4.com, Service Providers, and their respective subsidiaries, affiliates, officers, directors, agents, partners, and employees harmless from any and all claims or demands, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Service, connection to the Service, or your violation of the User Agreement.
11. Limitation of Liability
Except for claims under section 1810.5(c) of the Florida financial code arising from transactions originating in Florida, in no event shall muitosimples.com and remit4.com, service providers, or their respective subsidiaries, officers, agents, partners, or employees be liable for any direct, indirect, incidental, special, consequential or exemplary damages beyond the sum of $500.00 USD.
12. Dispute Resolution and Governing Law
a. Governing Law. This User Agreement shall be governed according to the laws of the State of Florida. Any controversy, dispute, or claim arising out of or relating to the Service or User Agreement (a "Claim") shall be governed by and construed in accordance with the laws of Florida.
d. Forum for Disputes. Except as otherwise agreed by the parties, you agree that any claim or dispute you may have against Muitosimples.com or Remit4.com must be resolved by a court located in Orange County, Florida.
13. Electronic Communications
You acknowledge that this User Agreement shall be entered into electronically, and that Communications may be provided by electronic means including emails, disclosures and periodic records.
14. Miscellaneous
This User Agreement constitutes the entire agreement between you and Muitosimples.com or Remit4.com and governs your use of the Service, superseding any prior agreements.
15. Security and Fraud Prevention
Your security is very important to us, and we work hard utilizing state-of-the-art security measures to make sure that your information is secure. If you think you have been or might be a victim of fraud, please contact us immediately by telephone at 1-407-354-3474.
16. Contact Information
Questions, notifications, and requests for refunds or further information can be sent to Muitosimples.com or Remit4.com, as follows: by telephone at 1-407-354-3474; or by mail at Star Business and Travel, Inc., Attn: Customer Service, 1507 Park Center, Suite 1I, Orlando, FL 32835, USA.