Terms of Use

A. Nature and Purpose of This Website

This Website provides educational information about money transmission services and international remittances in the United States. Content covers how licensed money transmitters operate, what FinCEN MSB registration requires, what state licensing obligations apply to money service businesses, how remittance transfer fees are structured under the Dodd-Frank Act, and what consumer protections the CFPB provides.

This Website is strictly informational. Nothing on this Website constitutes financial advice, legal advice, tax advice, or investment advice. The information provided is general in nature and may not apply to your specific situation. Consult qualified professionals for advice specific to your circumstances.

This Website does not transmit money, accept deposits, hold funds on behalf of users, or act as an intermediary in any financial transaction. Use of this Website does not create any financial, fiduciary, or advisory relationship between you and the operators of this Platform.

B. Accuracy of Information

We make reasonable efforts to ensure that information on this Website is accurate and current as of the date it was published or last reviewed. However, money transmission regulations change frequently. Federal rules are amended through CFPB rulemaking. State licensing requirements are updated by state legislatures and banking regulators. FinCEN guidance evolves through administrative action.

We do not warrant that any information on this Website is current, complete, or accurate at the time you access it. You should verify regulatory information directly with the relevant government agency before relying on it for any purpose. Links to official government sources are provided where available to facilitate verification.

If you identify an inaccuracy on this Website, we encourage you to contact us at info@money-transmitter.co.com so we can review and correct the content.

C. Intellectual Property

The text, graphics, design, layout, and other content of this Website ("Content") are owned by or licensed to the operators of this Platform and are protected by applicable copyright, trademark, and other intellectual property laws of the United States.

You may access and read Content for personal, non-commercial educational purposes. You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any Content without our prior written permission, except as follows: you may print or download a single copy of individual pages for personal, non-commercial reference use.

Nothing in these Terms grants you any license to use any trademark, service mark, or logo appearing on this Website. All trademarks are the property of their respective owners.

D. Acceptable Use

You agree to use this Website only for lawful purposes and in accordance with these Terms. You agree not to use this Website in any way that violates applicable federal, state, or local law or regulation; to transmit any unsolicited commercial communications; to attempt to gain unauthorized access to any part of the Website or its infrastructure; to interfere with the proper working of the Website; to introduce viruses or other harmful code; or to collect information about other users without their consent.

You are responsible for ensuring that your use of this Website complies with all laws and regulations applicable to you in your jurisdiction.

E. Third-Party Links and Resources

This Website contains links to external websites including government agency websites (FinCEN, CFPB, FTC), regulatory databases, and other third-party resources. These links are provided for informational convenience.

We do not endorse, control, or take responsibility for the content, privacy practices, or terms of service of any external website. Linking to an external site does not imply approval of that site or its operators. Your use of external websites is governed by those sites' own terms and privacy policies.

We make no representations about the accuracy or completeness of information on external websites, including official government websites, which may be updated independently of this Platform.

F. Disclaimers and Limitation of Liability

This Website and all Content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy.

To the fullest extent permitted by applicable law, the operators of this Platform disclaim all liability for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use this Website, any errors or omissions in Content, any action you take based on information obtained from this Website, or any unauthorized access to or alteration of your transmissions or data.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of certain damages, so some of the above limitations may not apply to you.

G. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of California without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of this Website shall be resolved in the state or federal courts located in Santa Clara County, California, and you consent to personal jurisdiction in those courts.

Before initiating any legal proceeding, you agree to contact us at info@money-transmitter.co.com to attempt to resolve the dispute informally. We will attempt to resolve the dispute within 30 days of receiving notice.

H. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of this Website after any changes to these Terms constitutes your acceptance of the revised Terms.

We recommend reviewing these Terms periodically. If you do not agree to any revised Terms, your only remedy is to discontinue use of this Website.

I. Severability and Entire Agreement

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

These Terms, together with the Privacy Policy and Cookie Policy, constitute the entire agreement between you and the operators of this Platform regarding your use of this Website and supersede all prior agreements and understandings.

J. Contact

Questions about these Terms of Use may be directed to:

Email: info@money-transmitter.co.com
Phone: +1 (408) 859-8141
Mail: 4618 Japonica Way, San Jose, CA 95129