User Agreement

1. OVERVIEW OF THE SERVICE

The Service is intended for our customers to send money transfers to or pay bills for family and friends. We recommend that you use the Service only to send money to or pay bills for people you know personally. You should never use the Service to send money to or pay bills for strangers.

Consumer Fraud Alert: Protect Yourself from Fraud and Scams.

ONLY SEND MONEY TO PEOPLE YOU KNOW OR PAY BILLS FOR PEOPLE YOU KNOW, SAFEGUARD YOUR PASSWORD, SEND FOR YOURSELF AND NOT ON BEHALF OF OTHERS, AND USE INTERMEX’S WEBSITES FOR LEGAL PURPOSES ONLY.

Click here to learn more about sending money safely with Intermex. Please let us know immediately if you believe someone is trying to scam or defraud you or if your Intermex username or password have been lost or stolen by telephone at 866-999-3175 or email at onlinesales@intermexusa.com

Definitions.  The Service allows people to send and receive money and pay bills around the world. A “Sender” is someone who uses the Service to send money. A “Recipient” is an individual who receives money from a Sender through the Service. A “Service Company” is a utility or other entity that receives a bill payment from a Sender through the Service. A “Recipient” is someone for whom a Sender makes a bill payment through the Service. (For example, and for illustration purposes only, if you use the Service to pay a relative’s electric bill, you are the Sender, your relative is your Recipient and the electric company which receives the payment is the Service Company for that Transaction). You understand that the person referred to as “Recipient” in this User Agreement may be referred to as the “Recipient” on your bill payment receipt. The “Recipient Country” is the country in which the Recipient or Service Company 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 to Intermex to send the Transaction. The “Payout Amount” is the amount paid out to the Recipient or Service Company, excluding any taxes or charges that may be levied under the laws of the Recipient Country (the “Local Taxes“).

2. ACCESSING THE SERVICE

• 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.
• Mobile Services. The Service is also accessible via a mobile device. To the extent you access the Service through a mobile device, your wireless service carrier’s standard charges, data rates and other fees may apply.
• Bill Payments. You affirm that your Recipient has authorized you to access his or her account information and to permit Intermex to collect and verify information about your Recipient.
• Not Available to Certain Users. The Service may not be available in whole or in part in different countries and jurisdictions as determined by local laws and regulations.

3. 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 from our principal place of business in Miami, Florida.
4. PAYMENT

• Charges. For each Transaction that you submit, you agree to pay us a transaction fee (the “Transaction Fee“) plus the Transaction Amount. Additional charges may apply. Payment is due at the time your Transaction is submitted for processing. Intermex only accepts payment in U.S. Dollars. If you submit a Transaction that results in Intermex being charged non-sufficient fund fees, chargeback fees, or other similar fees, you agree to reimburse us for all such fees. For Transactions funded from the Sender’s bank account, you agree that Intermex may from time to time debit your bank account for less than the amount of the transfer (i.e., for a transfer of $500, Intermex may debit $499.98 from the bank account), as part of our effort to confirm ownership of the account.
• Payment. In order for us to collect payment from you, you authorize us to access, charge 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 card, debit card or bank account. We do not accept prepaid payment cards as a Payment Instrument. If your payment fails or is insufficient, we may re-try debiting your Payment Instrument one or more times or you may authorize us to try debiting 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 or charge your credit card at a later time. You represent and warrant that you are the lawful owner of your Payment Instrument(s).
• Other Charges. Intermex is not responsible for any fees or charges that may be imposed by the financial institutions associated with your Payment Instruments. For example (without limitation), your credit card issuer may charge you a cash advance fee and interest if you use a credit card as a Payment Instrument. Intermex is not responsible for any such fees, nor are we responsible for non-sufficient funds charges, chargeback fees or other similar charges that might be imposed on you by your bank, credit card issuer or other provider in connection with your use of the Service.
• Foreign Currencies. Intermex and its Service Providers (defined below) usually make money when you pay for a Transaction in one currency and the Transaction is paid out in another currency, which is based on the difference between the exchange rate at which we buy foreign currency and the exchange rate provided to you. You agree, when you send a Transaction to a Recipient’s bank account, that the bank account is denominated in the same currency as the Transaction (e.g., if your Transaction calls for Intermex to deposit pesos into the Recipient’s bank account, then you confirm that the Recipient’s bank account is denominated in pesos).

5. TRANSACTION PAYOUTS

• Service Providers. We work with local banks, money exchange houses and other third party service providers (each, a “Service Provider“) to pay funds out to Recipients and Service Companies. 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 websites regarding the location, availability and hours of our Service Providers. However, you agree that Intermex is not responsible for any inaccurate or incomplete information that may be posted on its websites.
• Verification. Recipients may be required to prove their identity before receiving funds by presenting valid, unexpired identification document(s) from a list of acceptable forms of identification. In addition, Recipients may be required to provide a Transaction number and/or another, similar identifier associated with their Transaction. You give Intermex permission to contact your Recipient or the Service Company and store all such data, as necessary to provide the Service. Please verify account information and bank details are correct prior to submitting your Transaction because Intermex is not responsible for detecting inaccuracies. If account information and bank details are incorrect, money may be sent to the wrong bank account and may not be recovered.

6. RESTRICTIONS

• 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 without prior notice. Any such limits may be imposed on individual accounts or on related accounts or households, in Intermex’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.
• Delays. Your Transaction may be delayed or cancelled at any time prior to your Recipient’s or the Service Company’s receipt of the Payout Amount, without prior notice. We may delay or cancel your Transaction for reasons that include, but are not limited to: identity verification; validation of your Transaction instructions and Payment Instruments; fraud and anti-money laundering compliance review; contacting and locating you, your Recipient, the Service Company, or your Recipient; and to comply with applicable law. Business hours, systems availability and currency availability of our Service Providers may also cause delays. Nevertheless, you may be entitled to a refund in certain circumstances as described below in Section 8.
• Commercial Transactions. You agree that you will only use the Service to send money to people or for Recipients that you know personally and for personal reasons. If Intermex discovers you are using the Service for commercial purposes, including (without limitation) to purchase goods or pay for services other than payments made to Service Companies specifically provided for by the Service, we may, in our sole discretion, cancel your Transaction(s) and close your account.
• 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 this User Agreement to use the Service for any of the following activities (without limitation): sexually-oriented materials or services, gambling activities, fraud, money-laundering, funding terrorist organizations, purchase or sale of tobacco, firearms, prescription drugs, or other controlled substances, or sending money to a Recipient or for a Recipient that has violated the User Agreement. If you use the Service in connection with illegal conduct, Intermex reserves the right to report you to the appropriate law enforcement agency or agencies. The Service is intended for our customers to send money transfers to or pay bills for family and friends. We may, in our sole discretion, cancel any Transaction and close any account that we suspect is being utilized for any purpose prohibited by this User Agreement, including for commercial purposes (such as purchases of goods or payments for services of any kind). You acknowledge that Intermex is not liable for your use of the Service in violation of this User Agreement, including all risks associated with the purchase of goods or payment for services of any kind, including (without limitation) losses you suffer for undelivered or defective goods and services you pay for using the Service.
• 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, in our sole discretion, refuse Transactions from certain Senders, for certain Recipients or to certain Recipients or Service Companies, including without limitation, entities and individuals that are included on the Specially Designated Nationals list, Non-cooperative 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.
• Others. You may not submit or receive a Transaction (i) on behalf of any other person, (ii) on behalf of a business or other non-human entity or (iii) on behalf of a charitable organization without Intermex’s express consent. You may send Transactions to Service Companies for Recipients whom you know personally. We may, at any time and in our sole discretion, (A) refuse any Transaction, or (B) close multiple accounts held by an individual, persons related to the individual or persons living in the same household as the individual.
• No Changes. We generally do not let you change the details of your Transaction once it has been submitted to us for processing. We rely on the information you provide and it is your responsibility to make sure your Transaction details are accurate before you submit your Transaction for processing.
• Restricted Activities. As a user of our websites or Service or in the course of your interactions with Intermex, you will not:
  1. Breach this User Agreement, or any other agreement between you and Intermex;
  2. Open more than one account;
  3. Provide false, inaccurate, or misleading information;
  4. Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us;
  5. Use an anonymizing proxy;
  6. Provide yourself a cash advance from your credit card (or help others to do so);
  7. Share Transaction numbers or information with anyone except the Service Company, your Recipient, or Recipient, and you will advise your Recipient or Recipient not to share Transaction numbers or information; or
  8. Violate any other restrictions in this User Agreement.

7. COLLECTION OF INFORMATION

• Privacy Policy. By agreeing to this User Agreement, you acknowledge and consent to Intermex’s Privacy Policy which is a separate agreement between you and Intermex. The Privacy Policy can be found on our websites or by clicking here: Privacy Policy.
• 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 about you, your Recipient or your Recipient. We may also lawfully obtain information about you from other sources without your knowledge, including non-personal identifying information that we may obtain while you visit our websites. Please see our Privacy Policy.
• Government Disclosures. We may provide information about you and your Transactions to government authorities and enforcement agencies, as described in our Privacy Policy.
• 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 e-mail address, mobile device or financial instruments, or verifying your information against third party databases or through other sources. This may also include verifying your Recipient’s information.

8. ERRORS AND PROBLEMS

• Errors. You have a right to dispute errors in your Transaction. If you think there is an error, you must contact us within 180 days of the Transaction at 1-800-670-8611 or email customerservice@intermexusa.com or online. You can also contact us for a written explanation of your rights.  We will investigate the alleged error and make a determination within 90 days following the date you contact us.  We will communicate the results of such investigation and determination no later than 3 business days of the date when made or expiration of the 90 day period described above, whichever occurs first.  If we determine there was no error, we will send you a written explanation for such determination.

1. You can cancel for a full refund within 30 minutes of authorizing your Transaction, unless the funds have already been picked up, deposited, delivered or paid to the Recipient or Service Company. If you timely cancel a Transaction as described above (and the funds have not already been picked up, deposited, delivered or paid to the Recipient or Service Company), Intermex will refund your money within 3 business days of your request to cancel.
2. For questions or complaints about Intermex, contact us online; by telephone at 1-800-670-8611, email customerservice@intermexusa.com; or by mail at Intermex Wire Transfer, LLC, ATTN: Customer Service, 9480 S. Dixie Hwy., Miami, FL 33156, USA

• General. Please let us know if you have any problems with the Service. You can contact us using the contact information at the bottom of this User Agreement. Residents of certain jurisdictions may also consider the following:

1. Alaska.If you have complaints or other concerns with respect to any aspect of the money transmission activities conducted with Intermex, you may contact the Alaska Division of Banking and Securities, Money Service Businesses at 907-269-8140, Toll-Free number 888-925-2521, Fax 907-269-8146, email moneytransmitters@alaska.gov or by mail at: 550 West Seventh Avenue, Suite 1850, Anchorage, AK 99501.
2. California. If you have complaints with respect to any aspect of the money transmission activities conducted with Intermex, you may contact the California Department of Business Oversight at its toll¬ free telephone number 1-800-275-2677, submit a complaint at www.dbo.ca.gov, or by mail at Department of Business Oversight, Consumer Services, 1515 K Street, Suite 200, Sacramento, CA 95814.
3. Colorado. Entities other than FDIC insured financial institutions that conduct money transmission activities in Colorado, including the sale of money orders, transfer of funds, and other instruments for the payment of money or credit, are required to be licensed by the Colorado Division of Banking pursuant to the Money Transmitters Act, Title 12, Article 52, Colorado Revised Statutes. If you have a Question about or problem with YOUR TRANSACTION – THE MONEY YOU SENT, you must contact Intermex Wire Transfer, LLC, the Money Transmitter who processed your transaction, for assistance. The Division of Banking does not have access to this information. If you are a Colorado Resident and have a Complaint about Intermex Wire Transfer, LLC, THE MONEY TRANSMITTER – THE COMPANY THAT SENT YOUR MONEY, all complaints must be submitted in writing. Please fill out the Complaint Form provided on the Colorado Division of Banking’s website and return it and any documentation supporting the complaint via mail or email to the Division of Banking at: Colorado Division of Banking
   1560 Broadway, Suite 975
   Denver, CO 80202
   email: DORA_BankingWebsite@state.co.us
   website: www.dora.colorado.gov/dob
   All consumer complaint must be submitted in writing.
4. Illinois. If you have complaints or other concerns with respect to any aspect of the money transmission activities conducted with Intermex, you may contact the Illinois Department of Financial and Professional Regulation toll free at 1-312-814-5153 or file a complaint www.idfpr.com.
5. Maryland. Entities other than FDIC insured financial institutions that conduct money transmission activities in Maryland, including the sale of money orders, transfer of funds, and other instruments for the payment of money or credit are required to be licensed by the Commissioner of Financial Regulation of the State of Maryland, pursuant to the Money Transmission Code Ann., Title 12, Subtitle 4. The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints regarding this authorized delegate of Intermex Wire Transfer, LLC at: Commissioner of Financial Regulation, Attention Complaint Unit, 500 North Calvert Street, Suite 402, Baltimore, Maryland 21202 or telephone Complaint Unit: 410-230-6390. Consumer complaints should be in writing, providing as much detail as possible. Please include (1) the name of the institution and the name of any person(s) at the institution with whom the complainant has had contact. Include telephone number(s) and addresses, (2) a complete description of the complaint and any efforts that have been made to resolve the complaint directly with the institution, (3) copies of any available documentation supporting the complaint and efforts toward resolution, (4) any suggestions regarding a preferred resolution of the complaint.
6. Massachusetts. If you are a resident of Massachusetts and you have an unresolved complaint, you may contact Consumer Assistance Section of the Massachusetts Division of Banks, Consumer Line 617-956-1501, Toll-Free 1-800-495-2265 (MA only)), website: www.mass.gov/dob, or by sending a written complaint to the Division of Banks to 1000 Washington St, 10th. Floor, Boston, Massachusetts 02118-6400.
7. Minnesota. You may contact us by email at compliance@intermexusa.com to voluntarily disqualify yourself from sending or receiving Transactions with Intermex (“Disqualified Intermex User”). All requests will expire one year from the date of request, unless requested for longer, or until you terminate the request in writing at compliance@intermexusa.com. Intermex may automatically inform the Minnesota Department of Commerce Financial Institutions Division to include such individual on Minnesota’s “No Transmit List.” The Financial Institutions Division may from time to time provide the “No Transmit List” to Intermex and any individuals on such list shall automatically be a Disqualified Intermex User. Please see Minn. Stat. 53B.27, subd. 3 for more information on the “No Transmit List.” Fraud Prevention: If you suspect that you are a victim of fraud, immediately contact Intermex at 1-800-670-8611.
8. New York. Intermex is licensed by the New York Department of Financial Services to receive money for transmission and to transmit the same. New York customers can direct unresolved complaints to regulatory authorities at Department of Financial Services, Consumer Assistance Unit, One Commerce Plaza, Albany, NY 12257; telephone 212-480-6400, Toll-Free 1-800-342-3736, or website www.dfs.ny.gov.
9. Texas.If you have a complaint, first contact Intermex Wire Transfer, LLC at 1-800-670-8611. If you are a Texas resident and you still have an unresolved complaint regarding Intermex money transmission activity, please direct your complaint to the Texas Department of Banking:
   

   In person or US Mail	Texas Department of Banking 2601 North Lamar Boulevard Austin, TX 78705
   Telephone Number	1-877-276-5554 (toll free)
   Fax Number	1-512-475-1313
   Email Address	consumer.complaints@dob.texas.gov
   Website Address	www.dob.texas.gov

• Cancellation and Refunds. You can cancel your Transaction for a full refund within 30 minutes of authorizing your Transaction, unless the funds have already been paid out to the Recipient or Service Company. After 30 minutes, we generally do not provide refunds unless we did not process your Transaction according to your instructions or we are unable to pay out the Transaction. To request a refund, please contact Customer Service (See Section 17 below).
• Intermex will make every effort not to debit your Payment Instrument after it has received your request for cancellation. However, in some cases, Intermex may have initiated an irreversible request for funds from your financial institution prior to receiving your request for cancellation. In such cases, your Payment Instrument may be debited even if you have cancelled your Transaction but Intermex will refund your money usually within 3 business days after we have received the funds from your financial institution.
• Refunds will be credited to the same Payment Instrument used to pay for the Transaction. Refunds are only made in U.S. Dollars. Refund amounts will not be adjusted to account for changes in the value of the U.S. Dollar or foreign currency from the time your Transaction was submitted.
• • Notwithstanding the foregoing, residents of certain jurisdictions should read the following:

1. California. The following applies only to Transactions that are submitted by Senders in California.RIGHT TO REFUND: You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Intermex does not forward the funds received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of funds 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 funds shall be forwarded or transmitted are not complied with and the funds have not yet been forwarded or transmitted you have a right to a refund.If you want a refund, you must mail or deliver your written request to Intermex, ATTN: Customer Service, at 9480 South Dixie Highway, Miami, FL 33156, USA. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to $1,000 and attorney’s fees pursuant to Section 2102 of the California Financial Code.
2. New Hampshire. The following applies only to Transactions that are submitted by Senders in New Hampshire: Senders are entitled to a refund of the Transaction Amount and Transaction Fee if their Transaction is not paid out according to the information they provide about their Recipient, unless the Transaction is in violation of applicable law or this User Agreement. In the case of any such refund, the Transaction will also be cancelled. To request a refund, please contact Customer Service (See Section 17 below).
3. Washington. The following applies only to Transactions that are submitted by Senders in the State of Washington: You, the customer, are entitled to a refund of all moneys received for transmittal within ten days of receipt of a written request for refund unless any of the following occurs:
   1. The monies have been transmitted and delivered to the recipient prior to receipt of the written request for a refund;
   2. Instructions have been given committing an equivalent amount of money to the person designated by the customer prior to receipt of a written request for a refund; or
   3. its authorized delegate has reason to believe that a crime has occurred, is occurring, or may potentially occur as a result of transmitting the money as requested by the customer or refunding the money as requested by the customer; or
   4. is otherwise barred by law from making a refund.

9. INTERMEX INTELLECTUAL PROPERTY

You acknowledge that the Service, including but not limited to the content of our websites, text, graphics, links, buttons, logos, and images, as well as all other Intermex patents, copyrights, trademarks, trade secrets, service marks, logos, and product and service names are owned exclusively by Intermex (the “Intermex Intellectual Property“). You agree not to display, use, copy or modify the Intermex Intellectual Property in any manner. You are authorized solely to view and retain a copy of the pages of our websites for your own personal, non-commercial use. You further agree not to: (i) engage in or use any automated devices, data mining, robots, scraping or similar data gathering or extraction methods to access or use the Service; (ii) modify, copy, frame, scrape, rent, lease, loan, sell, distribute or create derivative works based on the Service, in whole or in part, except that the foregoing does not apply to the information that you legally upload to the Service; (iii) remove or alter any author, trademark or other proprietary notice or legend displayed on our websites (or printed pages thereof); or (iv) infringe Intermex’s or any third party’s copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy.

The technology and software underlying the Service or distributed in connection therewith are the property of Intermex, its affiliates and Service Providers (the “Software“). Subject to the terms and conditions of this User Agreement, Intermex 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 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 Intermex.

10. DISCLAIMER OF WARRANTIES

THE SERVICE AND SOFTWARE, IF APPLICABLE, ARE PROVIDED “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, but we make no representations or warranties regarding the time needed to complete processing because the Service is largely dependent on many factors outside our control. Some jurisdictions do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you. This warranty gives you specific legal rights and you may also have other legal rights that vary state to state. Notwithstanding the foregoing, you may have a right to a refund as expressly described herein.

11. INDEMNITY

You agree to indemnify and hold Intermex, its suppliers, vendors, Service Providers, Service Companies and their respective subsidiaries, officers, agents, partners, employees, and consultants harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use of the Service, your connection to the Service, your violation of the User Agreement, or your violation of any rights of a third party.

12. LIMITATION OF LIABILITY

EXCEPT FOR CLAIMS UNDER SECTION 2102 OF THE CALIFORNIA FINANCIAL CODE ARISING FROM TRANSACTIONS ORIGINATING IN CALIFORNIA, IN NO EVENT SHALL INTERMEX, ITS SUPPLIERS, VENDORS, SERVICE PROVIDERS, 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 IF INTERMEX HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM NEGLIGENCE ON THE PART OF INTERMEX, IT’S SUPPLIERS, VENDORS, SERVICE PROVIDERS, SERVICE COMPANIES, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS.

13. DISPUTE RESOLUTION AND GOVERNING LAW

• Governing Law. This User Agreement shall be governed according to the laws of the State of Florida, and all activities performed in connection with the Service shall be deemed to have been performed in 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 the State of Florida, except that body of law governing conflicts of law.
• Disputes with Intermex. If a dispute arises between you and Intermex, our goal is to learn about and address your concerns. If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and Intermex regarding the Service may be reported to Customer Service (See Section 17 below).
• Arbitration. For any Claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000.00 USD, the party requesting relief may elect to resolve the dispute in a cost¬ effective manner through binding, non-appearance-based arbitration. If a party elects arbitration, that party will initiate such arbitration through an established alternative dispute resolution (“ADR”) provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: (i) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, with the specific manner to be chosen by the party initiating the arbitration; (ii) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and (iii) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
• Forum for Disputes. Except as otherwise agreed by the parties or as described in subsection entitled “Arbitration” above, you agree that any claim or dispute you may have against Intermex must be resolved by a court located in Miami-Dade County, Florida. You agree to submit to the personal jurisdiction of the courts located within Miami-Dade County, Florida for the purpose of litigating all such claims or disputes.
• Improperly Filed Litigation. All claims you bring against Intermex must be resolved in accordance with Section 13 of this Agreement. All claims filed or brought contrary to Section 13shall be considered improperly filed, and a breach of this Agreement. Should you file a claim contrary to Section 13, Intermex may recover attorneys’ fees and costs (including in-house attorneys and paralegals) up to $1,000.00 USD from you, provided that Intermex has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim.

14. MISCELLANEOUS

• Customer Updates. You must promptly update us with any change in your e-mail address and telephone number by updating your profile on our websites. If Intermex does not have correct contact information, we may not be able to notify you with important information or changes in your Transaction status.
• Licenses. Most states in the United States require us to be licensed to process transactions for their consumers. Our licenses can be found by clicking here.
• Entire Agreement. The User Agreement constitutes the entire agreement between you and Intermex and governs your use of the Service, superseding any prior agreements between you and Intermex.
• No Waiver/Severability. The failure of Intermex to exercise or enforce any right or provision of the User Agreement shall not constitute a waiver of such right or provision and shall not guarantee that Intermex 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, unlawful or unenforceable, 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 such provision, and the other provisions of the User Agreement shall remain in full force and effect.
• Modification. We may modify this User Agreement from time to time without notice to you, except as may be required by law. You can review the most current version of the User Agreement at any time by reviewing our websites. You may terminate your use of the Service if you do not agree with any modification or amendment. If you use the Service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification. You agree that you shall not modify this User Agreement and acknowledge that any attempts by you to modify this User Agreement shall be void.
• Language. In the event there is any inconsistency between the English and Spanish or other language text on our websites, including the User Agreement, the English text shall be binding.
• Special Notice 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 the Service or otherwise exported or re-exported in violation of U.S. export laws. Downloading or using the Software is at your sole risk. Recognizing the global nature of the Internet, 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.
• Intermex and you acknowledge and agree that Apple, and Apple’s subsidiaries, are third party recipients of this User Agreement with respect to the Apple-Enabled Software, and that, upon your acceptance of the terms and conditions of this User Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce this User Agreement against you with respect to the Apple-Enabled Software as a third party recipient thereof.

15. SECURITY / FRAUD PREVENTION

Your security and the integrity of your account is a top priority and Intermex works hard to ensure that your information is secure. Intermex is a safe and convenient way to send money to or pay bills for family members and other people that you trust. However, scams and fraudsters are abundant and we urge you not to send money to, or make bill payments for, anyone that you do not know personally. In particular, you should be cautious of deals or offers that seem too good to be true. If you think you have been or might be a victim of fraud, please contact us immediately by telephone at 866-999-3175 (toll free). If you are aware of anyone or any entity that is using the Service inappropriately, please e-mail us at compliance@intermexusa.com, if you receive any fake (phishing) e-mails purporting to be from Intermex, please forward them to us at fraudprevention@intermexusa.com.

16. CONTACT INFORMATION

Questions, notifications, and requests for refunds or further information can be sent to Intermex, as follows: online; Toll-Free at 1-800-670-8611 (outside the United States, call +1-305-671-8000); email customer service@intermexusa.com; by mail at Intermex Wire Transfer, LLC, ATTN: Customer Service, 9480 South Dixie Highway, Miami, FL 33156, USA.