These terms and conditions (the “Terms and Conditions”) govern the use of our website at www.upgroupmoney.com (the “Site”). This Site is owned and operated by UP Group Money Transfer Limited (“UP Group Money Transfer”, “we”, “us” and “our”).
By using the Site you agree to comply with all applicable New Zealand laws and to be bound by the following terms and conditions. These terms and conditions are in addition to, and subject to, any terms and conditions relating to your UP Group Money Transfer account.
By using this Site, you indicate that you have read and understand these Terms and Conditions and agree to abide by them at all times.
UP Group Money Transfer offers its service online through an online web portal as well through itspermanent physical establishment in Auckland, New Zealand.
UP Group Money Transfer Service
UP Group Money Transfer offers a means by which individuals in New Zealand to remit their money to Samoa online for the purposes of support for family or friends or cultural events.
We have an initial transfer limit in order to assess the viability and efficacy of our business prospects. Wemay eventually increase this limit based on an increased demand for transfers by our customers and/or requests for an increase in extent of the transfers available to our customers.
In providing those money transfer services, wewill require not only our customers making the transfers to identify themselves in accordance with our customer due diligence policies, we shall require our customers to also link (and prove) their bank accounts to their UP Group Money Transfer accounts so as to confirm every transfer made by the customer is in fact made by the customer.
We may impose the same identification and banking verification requirements on the intended recipients of any given transfer before making and/or completing such transfer.
Customers Account
When you create an account on our Site, you agree to the following:
- You are solely responsible for your account and the security and privacy of your account, including passwords or sensitive information attached to that account; and
- All personal information you provide to us through your account is up to date, accurate, and truthful and that you will update your personal information if it changes.
We reserve the right to suspend or terminate your account if you are using our Site illegally or if you violate these Terms and Conditions.
Fees, Payments and Currency Exchange Rate
UP Group Money Transfer provides cross-jurisdictional money transfer and foreign exchange service for its users (“Service”). In consideration of doing so, you agree to pay UP Group Money Transfer a fee for your transaction.
A fixed fee for every transaction conducted on UP Group MoneyTransfer platform willbe automatically deducted before settlement of that transaction.
Transfer fees and the principal amount are due and payable before UP Group Money Transfer processes the transaction. You must pay for the Service by Direct Credit. If UP Group Money Transfer does not receive credit payment notification, the transaction will not be processed and funds will not be transmitted to the Beneficiary.
There are limits on the amount and currency of the money you are able to send. Your WST currency, agreed exchange rate, and converted amount will be stated in the online form and transaction summary.
The exchange rate is based on the live rate schedule provided by the bank daily.
Intellectual Property
All content published and made available on our Site is the property of UP Group Money Transfer. This includes, but is not limited to images, text, logos, documents, downloadable files and anything that contributes to the composition of our website that are owned by UP Group Money Transfer and/or third parties, and all right, title and interest therein and thereto shall remain the property of UP Group Money Transfer and/or such other third parties.
The UP Group Money Transfer Site and Service may be used only for the purpose permitted by these Terms and Conditions. You are authorized solely to view and retain a copy of the pages on the Site for your own personal, non-commercial use. You agree that you may not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit the UP Group Money Transfer Site for any public or commercial use without our written consent.
Age Restrictions
The minimum age to use our Site is 18 years old. By using this Site, users agree that they are over 18 years old. We do not assume any legal responsibility for false statements about age.
Links To Other Websites
Our Site contains links to third party websites or services that we do not own or control. We are not responsible for the content, policies, or practices of any third party website or service linked to our Site. It is your responsibility to read the terms and conditions and privacy policies of these third party websites before using these sites.
These links are provided for your convenience. UP Group Money Transfer accepts no responsibility or liability in relation to any content or security of the other website(s). Having the links on our website does not mean that we endorse the website(s) or their contents, and you access them at your own risk.
You should direct any concerns regarding any Linked Site to such Linked Site’s site administrator or Webmaster.
Limitation to Liability
UP Group Money Transfer and our directors, employees and affiliates will not be liable for any actions, claims, losses, damages, liabilities and expenses including legal fees from your use of the Site.
We have no obligations to you to initiate or perform a transaction on our Site if:
- We are unable to obtain satisfactory evidence of your identity
- We have reason to believe that the information and documentation provided is incorrect.
Indemnity
Except where prohibited by law, by using this Site you indemnify and hold harmless UP Group Money Transfer and our directors, officers, employees, and affiliates from any actions, claims, losses, damages, liabilities and expenses including legal fees arising out of your use of our Site or your violation of these Terms and Conditions.
Anti-Money Laundering and Counter Terrorism Financing (AML/CTF and Sanctions)
You agree that UP Group Money Transfer may delay, block or refuse to process any transaction without incurring any liability and without informing you of the reasons, if we suspect that the transaction:
- may breach any laws or regulations in New Zealand or in any other country;
- involves any person (natural, corporate or governmental) that is itself sanctioned or is connected, directly or indirectly, to any person that is sanctioned under economic and trade sanctions imposed by the United States, the European Union or any country; or may directly or indirectly involve the proceeds of, or be applied for the purposes of, conduct which is unlawful in New Zealand or any other country.
- You must provide all information to UP Group Money Transfer which we reasonably require in order to manage anti-money laundering or counter-terrorism financing and economic and trade sanctions risk or to comply with any laws or regulations in New Zealand or any other country.
- You agree that UP Group Money Transfer may disclose any information concerning you it or any person named in the payment instruction to:
(a) any law enforcement, regulatory agency or court where required by any such law or regulation in New Zealand or elsewhere; and
(b) any Correspondent UP Group Money Transfer uses to make payment for the purpose of compliance with any such law or regulation.
Changes
These Terms and Conditions may be amended from time to time in order to maintain compliance with the law and to reflect any changes to the way we operate our Site and the way we expect users to behave on our Site. We will notify users by email of changes to these Terms and Conditions or post a notice on our Site.
Customer Services Information
UP Group Money Transfer is committed to ensuring that you receive high quality service. In the event that you are dissatisfied with the Service or believe an error has occurred with your Transfer, please contact us as soon as possible.
- Call us on 0800877328
- Send us an email at info@upgroupmoney.com
We will attend to your enquiry and complaint promptly and fairly.
If you are dissatisfied with the outcome of our internal dispute resolution process, you may lodge a complaint with our external dispute resolution service provider, Financial Dispute Resolution Service (FDRS). You can make a complaint online by visiting https://fdrs.org.nz/complaints/make-a-complaint/ or call their free phone number 0508337337.
Applicable Laws
New Zealand law governs these Site Terms and Conditions and your use of this Site.