The words "you" and "your" refer to the person who accepts and agrees to the terms and conditions of this Agreement and that person only.

The words "Sentegram ", "we" and "us" refer to Sentegram Inc. Sentegram are the name of the mobile application.
The word "Beneficiary" refers to the person that that has been identified as the recipient of the funds.
The word "Business Day" means any day
The word "Payment Account" there
Source from which you are sending money. This may include debit that you use, (or such other account that Sentegram agrees to accept from time to time for use hereunder and that you authorize Sentegram to charge) that you provide to Sentegram for Sentegram to charge for payment for your use of the Sentegram Remittance Facility Application. The Payment Account must be issued or held in your name at a U.S. depository institution.

The words "Remittance Payment" means the payment of funds that you by the Sentegram Remittance Facility Application to process and deliver to the Beneficiary. The words "Sentegram Remittance Facility Application" means the service whereby you may request the delivery of a remittance payment to the Beneficiary in the country of the Beneficiary.

2.1 This Agreement is relevant to the remittance payments that you request through the Sentegram Remittance Facility Application. Sentegram is responsible only for processing remittance payments you request and authorize through the Sentegram Remittance Facility Application.

3.1 You will be required to provide some personal and non personal information that serves as an identification for every person who wants to register to use the Sentegram Remittance Facility Application or who requests a Remittance Payment, such as your name, address, date of birth, last four digits of your social security number and other information that will allow us to identify you. By using our services, you agree to provide complete and correct information in connection with the registration process and you further agree to update this information as may be reasonable or necessary to keep it complete and accurate at all times.

3.2 Use of the Sentegram Remittance Facility Application going to be subject to our ability to verify your identity. If you do not provide correct and total information during registration or when requesting a Remittance Payment, we have the right to prohibit you from using the Sentegram Remittance Facility Application or decline to process the request. Additionally, if you do not provide accurate and complete information during registration or when requesting a Remittance Payment, you may cause errors in your requested remittance payment.

3.3 You authorize Sentegram to request a debit report on you and/or to obtain information from other third parties and financial institutions regarding you, the Beneficiary, or the Payment Account. The home address that you provide when registering must be the same as the billing address for your debit card or prepaid card. Sentegram may seek to verify your registration information and any other information in connection with a request for a Remittance Payment, but is under no obligation to do so. You acknowledge that Sentegram is relying upon the information you provide.

3.4 Each time you access the Sentegram Remittance Facility Application, you shall be assumed to have confirmed the accuracy and completeness of all registration information.

4.1 The Sentegram Remittance Facility Application may only be used to send Remittance Payments to a Beneficiary located in any permissible beneficiary country designated on the Sentegram Remittance Facility Application from time to time. Sentegram and Sentegram -designated service providers will process the remittance payment and make funds available for receipt by the designated Beneficiary as described below. You must be at least eighteen (18) years of age and a resident of the United States or Canada in order to use the Sentegram Remittance Facility Application.

4.2 Use of the Sentegram Remittance Facility Application does not establish a checking account or any other form of a bank account for you or the Beneficiary with Sentegram or any of its distribution agents. The Sentegram Remittance Facility Application does not constitute or create a fiduciary or escrow capacity between you and Sentegram.

5.1 You agree to pay for the amount of the Remittance Payment and Sentegram’s transaction and currency conversion service fees and other charges for each Remittance Payment initiated or requested under the Sentegram Remittance Facility Application. By requesting a Remittance Payment through the Sentegram Remittance Facility Application, you authorize Sentegram to charge your Payment Account for the amount of the requested Remittance Payment and applicable service fees, if any. You understand and acknowledge that Sentegram has no obligation to process or complete a requested Remittance Payment if Sentegram is unable for any reason to obtain authorization or settlement of the funds from charging your Payment Account for the amount of the requested remittance payment.

5.2 In the event that the charge to your Payment Account is subsequently returned, charged-back or cancelled for any reason, and Sentegram has already processed your Remittance Payment request, you will be responsible to Sentegram for the amount of the Remittance Payment. You agree to pay such amount, plus any applicable service fee or non-sufficient funds (NSF) fee charged to Sentegram as a result of the return, to Sentegram immediately upon demand. You authorize us to debit your Payment Account for the amount of any of the foregoing amounts.

5.3 You may be subject to fees (including a cash advance fee) under your agreement with the bank or other financial institution that issues your debit card when you use such a card for a remittance payment. You should review your card agreement regarding such potential fees.

You represent and warrant that all information that you enter regarding the Remittance Payment is true and complete. When processing a Remittance Payment, Sentegram may rely on the registration information and remittance payment request information that you provide. You acknowledge that any errors in the information, including misidentification of Beneficiary(s), incorrect or inconsistent account names and numbers, or misspellings, are your responsibility and that Sentegram shall have no liability for executing a Remittance Payment based upon the inaccurate or incomplete information you provided or entered.

The Sentegram mobile application is available 24 hours a day, 7 days a week, 365 days a year. Generally, your designated recipient is paid out instantly through the Sentegram mobile application. If ever there is a situation where your transaction is not delivered instantly to the designated recipient, we will contact you and keep you informed about the delay.

8.1 Sentegram and/or Sentegram designated service providers will arrange for the delivery of the Remittance Payment to the designated Beneficiary in the country of the Beneficiary. Sentegram reserves the right to select the form of payment to the Beneficiary. Sentegram and/or Sentegram designated service providers will use reasonable efforts to provide payment in a form requested, but the Sentegram Remittance Facility Application is not obligated to provide payment options for a specific Remittance Payment. Depending on the situation and the availability of various payment options, payment may be made by means of a debit to a mobile wallet, currency (cash), by check, by stored value card, debit to a bank account or debit card account or by some other payment instrument. Not all payment methods are available in all countries, and Sentegram reserves the right to change payment method options. If a Beneficiary cannot be located and identified, the Remittance Payment funds may be returned to you either by a debit to your Payment Account or by check payment, at Sentegram 's option.

8.2 Sentegram reserves the right to establish identification and verification requirements for a Beneficiary to receive the funds from a Remittance Payment. Sentegram may rely, without further investigation, upon identification information or documentation provided by you or a Beneficiary, including any code or identifier number of the Remittance Payment, when making a payment of funds to the Beneficiary. You agree and acknowledge that Sentegram has the right to decline to deliver the payment to the Beneficiary if Sentegram cannot verify the identity of the Beneficiary. Although Sentegram has the right to establish identification and verification requirements and the Beneficiary's failure to comply with them is a basis to decline the delivery of the Remittance Payment, Sentegram has no obligation to establish any such requirements.

9.1 Remittance Payments to Beneficiaries are generally made in the currency of the country within which the Beneficiary is located. If permitted by applicable law and the Sentegram Remittance Facility Application, a Remittance Payment may be requested in U.S. Dollars.

9.2 If conversion is required, Sentegram and/or Sentegram -designated service providers will convert a U.S. dollar Remittance Payment to the local currency at the exchange rate for a transfer in that amount in effect at the time the Remittance Payment is placed in the system. Regardless of the currency transferred, the actual amount that the Beneficiary receives may be reduced by charges imposed by Sentegram, for converting the US Dollar payment to the local currency, or by other intermediary banks, including a service fee for currency conversion that the local bank in the destination country or the bank of the Beneficiary may charge. The fees for this currency conversion may vary. The actual Foreign Exchange rate charged and the amount of the fee, if any, will be disclosed to you by Sentegram before you request the Remittance Payment.

You acknowledge that the Sentegram Remittance Facility Application is not intended for use by any person in any jurisdiction or country where such use would be contrary to local law or regulation. You agree that you will only request a Remittance Payment that complies with this Agreement, applicable United States federal and state law, and applicable law in the country of the Beneficiary. You may only use the Sentegram Remittance Facility Application to send Remittance Payments on your own behalf. You may not resell the Sentegram Remittance Facility Application or use the Sentegram Remittance Facility Application to make Remittance Payments on behalf of, or as agent for, another person. You agree that you will not request a Remittance Payment that would result in a violation of the laws or regulations of the United States, including without limitation, the economic sanctions administered by the U.S. Treasury Office of Foreign Assets Control and the U.S. anti-money laundering laws. You agree that you will provide information that Sentegram may request from time to time regarding your identity or the identity of the Beneficiary in order for Sentegram to comply with any applicable laws, including anti-money laundering laws. Sentegram may provide information regarding you, the Beneficiary and your use of the Sentegram Remittance Facility Application to government authorities.

11.1 Sentegram has the right to reject your request for a Remittance Payment, or decline to complete a request for a Remittance Payment or impose a dollar limitation on your Remittance Payment, without cause or prior notice to you. Without limiting the foregoing, Sentegram may suspend, delay or reject your Remittance Payment request: (a) if the dollar value of one or more of your remittance payment requests exceed any transfer limits established for the Sentegram Remittance Facility Application;¨ (b) if Sentegram is unable to charge your Payment Account for the amount of the requested remittance payment and related fees; (c) if your request is incomplete or unclear; (d) if Sentegram is unable to confirm your identity or verify any registration or Beneficiary information, including the identity of the Beneficiary; (e) if Sentegram has some suspicion of fraud or irregularity or illegality. (f) If Sentegram and/or Sentegram -designated service providers are unable to fulfil your request for any reason; (g) for any other reasons that Sentegram in its sole discretion deems appropriate or necessary.

11.2 You understand and agree that if your request for a remittance payment is rejected for any reason, you will be informed of the rejection during your next online session, by an SMS - text message or electronic mail, or by any other reasonable means of notice.

11.3 You agree that if Sentegram declines to complete a request for a Remittance Payment for any of the reasons set forth in Section 11.1 above, Sentegram has the right to be reimbursed for any costs or expenses and has the right to retain any authorized fees it may have imposed in connection with the requested Remittance Payment.

If Sentegram is unable to complete disbursement of the Remittance Payment to the Beneficiary because you provided incorrect information about the Beneficiary, such as an incorrect telephone number, an incorrect or misspelled name, an incorrect or misspelled address, the wrong bank or bank account or any other misinformation, you will be liable for any costs, fees, expenses and losses that Sentegram incurs in returning the Remittance Payment to you, such as processing costs, losses arising due to exchange rate fluctuations, service charges and exchange commissions.

You agree that Sentegram shall not be responsible for any delay, failure to execute, or an error in the execution of your Remittance Payment request due to circumstances beyond Sentegram’s reasonable control, whether caused by strikes, power failures, equipment malfunctions, acts or omissions of any intermediary bank, war, riots, governmental or court orders, work stoppages or similar occurrences or circumstances. You further agree that that Sentegram may refuse to process or delay processing any request if it would violate any guideline, rule, policy or regulation of any government authority or funds transfer system.

THE SENTEGRAM REMITTANCE FACILITY APPLICATION IS PROVIDED TO YOU ON AN "AS IS" AND "AS AVAILABLE" BASIS. SENTEGRAM MAKES NO WARRANTIES, EXPRESS OR IMPLIED WITH RESPECT TO THE SENTEGRAM REMITTANCE FACILITY APPLICATION. SENTEGRAM DOES NOT WARRANT THE FUNCTIONALITY OF THE SENTEGRAM REMITTANCE FACILITY APPLICATION OR THE ACCURACY, ADEQUACY OR COMPLETENESS OF ANY INFORMATION RELATED THERETO AND EXPRESSLY DISCLAIMS LIABILITY FOR NON-FUNCTIONALITY OF THE SENTEGRAM REMITTANCE FACILITY APPLICATION OR ERRORS OR OMISSIONS IN ANY INFORMATION. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NONINFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE SENTEGRAM REMITTANCE FACILITY APPLICATION.

For error resolution, transaction cancellation, questions, complaints or a written explanation of your rights, contact us at help@Sentegram .com.

You have a right to dispute errors in your transaction. There is no charge for this service. If you think there is an error, contact us within 180 days and provide your name, contact information, the recipient's name, date of transfer, as well as why you believe there has been an error. Sentegram will determine whether an error occurred and will reply to you within 8 weeks (56 days). If Sentegram was at fault, you will be entitled to a full refund or to have the transfer resent free of charge. If no error occurred or Sentegram was not at fault, you will receive a written notice including the information that Sentegram relied on to make that determination.

Generally, because your designated recipient is paid immediately upon processing your remittance transaction, cancellation of that remittance transaction and/or a refund of a previously requested Remittance Payment will not be processed and Sentegram is under no obligation to honour such a request. If, for some unforeseen reason, your designated recipient was not paid, you can contact us and cancel for a full refund within 30 minutes of payment.

Sentegram shall not be liable to you for any loss resulting from Sentegram’s inability to cancel or refund a Remittance Payment. If Sentegram determines to refund Remittance Payment funds to you, these funds may be returned to you either by a debit to your Payment Account or by check payment, at Sentegram’s option.

15.1 Sentegram will use commercially reasonable efforts to complete the Remittance Payment to the designated Beneficiary pursuant to your instructions. If the Remittance Payment is delayed or erroneously executed as a result of Sentegram’s error or negligence, Sentegram’s sole obligation to you is to correct the error or to refund the amount of the requested Remittance Payment and applicable Sentegram fees and charges.

15.2 Sentegram’s liability is limited to, and can never exceed, the amount of the Remittance Payment and applicable Sentegram fees and charges, irrespective of the circumstances or the reasons for your loss. IN NO EVENT SHALL SENTEGRAM BE RESPONSIBLE FOR ANY PUNITIVE, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXPENSES ARISING IN CONNECTION WITH A REMITTANCE PAYMENT OR THE SENTEGRAM REMITTANCE FACILITY APPLICATION EVEN IF SENTEGRAM OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

15.3 The foregoing shall constitute your exclusive remedy under or in connection with this Agreement and the Sentegram Remittance Facility Application. You agree that the foregoing limitation is a reasonable limitation on your remedy under the circumstances of this Agreement and the Sentegram Remittance Facility Application.

In consideration of the agreement by Sentegram to provide you with the Sentegram Remittance Facility Application, you agree to indemnify and hold Sentegram harmless from and against any and all claims, suits, judgments, executions, liabilities, losses, damages, costs, and expenses - including reasonable attorney's fees - in connection with or arising out of (I) your use of the Sentegram Remittance Facility Application, (ii) your breach of this Agreement, or (iii) Sentegram acting upon your request for a remittance payment pursuant to this Agreement. Without limiting the generality of the foregoing indemnification obligation, you shall indemnify Sentegram for any losses caused due to any inaccurate, non- current or incomplete information that you provided to Sentegram and for any losses due to your failure to maintain the secrecy and confidentiality of all your IDs and passwords and due to the unauthorized use of your ID and/or password.

You understand and agree that Sentegram may require any dispute arising from your use of the Sentegram Remittance Facility Application be resolved by binding arbitration. Sentegram may designate an arbitrator or arbitration panel located in New York, New York. Decisions of any arbitration process shall be binding on you.

Sentegram reserves the right to change the terms and conditions contained in this Agreement, which may include adding to them or deleting certain provisions entirely or partially, without prior notice to you, unless otherwise required by law. If we choose to notify you or are required by law to notify you of changes to this Agreement, we may mail or deliver a notice or an electronic message to you at the last telephone number or address we have on file for you. Certain fees may change without notice to you.

In order to use the Sentegram Remittance Facility Application, you consent to receive and accept this Agreement, any amendment to this Agreement, and all notices relating to the Sentegram Remittance Facility Application by means of electronic (SMS-text message or email) communications. In the event any change to this Agreement requires prior notice to you, Sentegram will notify you by SMS-text message or email, at the telephone number or email address that you provided when registering for the Sentegram Remittance Facility Application, or the amended Agreement or will provide you with a link in such SMS-text message or email to where you may view the revised or amended Agreement. A record of each remittance payment will be made available to you by Sentegram electronically on the Sentegram Remittance Facility Application. You acknowledge and agree that in order to use the Sentegram Remittance Facility Application you must have a Android device or phone or a monitor and computer equipped with at least: an Internet browser with 128 bit encryption and either a printer or a disk drive or other electronic storage device. You agree that if you remove your consent to receive electronic communications, Sentegram will terminate your use of the Sentegram Remittance Facility Application. You further acknowledge and agree that all SMS- text message and email notices sent to you regarding the status of remittance payment request are only service messages, and will not be considered an official record of Sentegram with respect to the remittance payment requested through the Sentegram Remittance Facility Application. In the event of a conflict, the official records of the Sentegram will control over any service messages.

This Agreement shall be governed by federal law of the United States of America and, where not in conflict with or pre-empted by such federal law, the laws of the state of New York, as applicable, without regard to conflict of law principles.

Your privacy is very important to us. Sentes Gram Inc. will not rent, sell, or share your personal information except in accordance with this policy. Sentegram Inc. receives your information through our various websites, applications and third-parties (the "Services"). For purposes of this agreement, the terms "Sentegram ", "we," "us," and "our" refer to Sentegram Inc. and "you" refers to you as a user of the Services. By Accepting our Privacy Policy and Terms of Use, you consent to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy.

21.1 Information Collection and Use

We collect both "Non-Personal Information" and "Personal Information." to provide and measure use of our Services and improve them over time. Information Collected Upon Registration. When you create or reconfigure an account on our Services, you provide some personal information, such as your name, email address, phone number, and password. You can edit your personal information and add additional optional information in the Account settings. By registering, you are authorizing us to collect, store, and use this personal information in accordance with this Privacy Policy.

Information Generated During Use of the Services. Our services are designed to enable you to send money. As such, we may collect additional personal information from you in order to facilitate transactions and comply with the law.

Information collected via Technology. In an effort to improve the quality of the Services, we track information provided to us by your browser or by our Services when you use the Services, such as the website you came from, the type of browser you use, how you interact with links across our Services, the time and date of access, and other information that does not personally identify you. We track this information using cookies, or small text files which include an anonymous unique identifier. Cookies are sent to a user's browser from our servers and are stored on the user's computer hard drive. Sending a cookie to a user's browser enables us to collect Non-Personal information about that user and keep a record of the user's preferences when utilizing our services, both on an individual and aggregate basis. You can instruct your browser, by editing its options, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. We collect this data to help improve our Services, including advertising, and to be able to share aggregate statistics.

Information Collected by Third Party Services. Sentegram uses a variety of services hosted by third parties to help provide our Services and to help us understand the use of our Services, such as Google Analytics. These services may collect information sent by your browser as part of a web page request, such as cookies or your IP request.

21.2 Information Sharing and Disclosure

Sentegram will only disclose your private information in the limited circumstances described below. You’re Consent. We may share or disclose your information with your consent, such as when you use a third party web application to access your account on our Services.

Service Providers. We engage certain trusted third parties to perform functions and provide services to us. We may share your personal information with these third parties, but only to the extent necessary to perform these functions and provide such services, and only pursuant to obligations mirroring the protections of this privacy policy.

Law. We may preserve or disclose your information if we believe that it is reasonably necessary to comply with a law, regulation or legal request; to protect the safety of any person; to address fraud, security or technical issues; or to protect Sentegram 's rights or property.

Business Transfers. If Sentegram , or substantially all of our assets were acquired, or in the unlikely event that Sentegram goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of Sentegram may continue to use your personal information as set forth in this policy.

Non-Private or Non-Personal Information. We may share or disclose your non-private, aggregated or otherwise non-personal information, such as the number of users who clicked on a particular link.

21.3 Miscellaneous

Modifying Your Personal Information. If you are a registered user of our Services, we provide you with tools to access or modify the personal information you provided to us and associated with your account.

Policy towards Children. Sentegram’s services are not directed to people fewer than 13. We do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has provided us with personal information, we remove such information and terminate the child's account.

Privacy Policy Changes. Sentegram may make changes to our Privacy Policy from time to time. Sentegram encourages visitors to frequently check this page for any changes to our Privacy Policy. If we make a change to this policy that, in our sole discretion, is material, we will notify you by email to the email associated with your account. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.

By signing up for the Sentegram Remittance Facility Application, you acknowledge that you have read, understood, accept and agree to the terms and conditions of this Agreement. You also confirm that you are able to print or download a copy of this Agreement.