Version 6

Date published: 28 July 2026

Date effective: 28 July 2026

WHY THIS INFORMATION IS IMPORTANT

This is the User Agreement for the Taptap Send mobile application (the “App”) and how you use the services Taptap Send offers through the App. It also sets out other important information related to the services that you need to know.

This User Agreement, along with the Privacy Policy, eCommunications Policy and any other applicable terms and conditions, form a legal contract (the “Agreement”) between:

• you, the user (“you”); and

• us, Taptap Send Payments Co (“Taptap Send” or “we”, “us”, “our”).

The services we offer are the “Lite Wallet”, “Transfers” and “Digital Content Services”. Each service has its own applicable terms and conditions, and some provisions of this Agreement will only apply to specific users as set out below.

Deposit accounts (“Taptap Send Wallet”) and Taptap Send debit cards (“Cards”) are provided by Lead Bank, Member FDIC, and subject to the terms of the Taptap Send Wallet Services Agreement. Lead Bank debit cards are issued by Lead Bank pursuant to a license from Visa^® USA Inc and may be used everywhere Visa is accepted. Taptap Send is the program manager of the Taptap Send Wallet and Cards, meaning Taptap Send services these programs on behalf of Lead Bank. Taptap Send is not a bank and does not provide banking services.

By signing up for the services described in this Agreement and using the App or Whatsapp to access these services, you are accepting and agreeing to be bound by this Agreement. We provide these services and information about the services to you through the App. We may provide information and services in other ways too, like through our web pages. Our Agreement applies whenever and however you access these services or information we provide about the services.

About us

We are Taptap Send Payments Co, a Delaware corporation registered as a money services business with the Financial Crimes Enforcement Network (“FinCEN”) (registration number 31000180079144) and with money transmitter licenses (or the statutory equivalent) in applicable U.S. states and jurisdictions. A list of licenses held by Taptap Send is available here. Our legal address is: Taptap Send Payments Co., 251 Little Falls Drive, Wilmington, Delaware 19808.

• DEFINITIONS

“ACH” means the Automated Clearing House network governed by NACHA, the organization that oversees ACH payments, and its Operating Rules.

“App” means the Taptap Send mobile application.

“Business Day” means a day other than a Saturday, Sunday or a United States federal holiday.

“Business Recipient” means businesses, including but not limited to suppliers, educational institutions, utility providers, hospitals and associated healthcare facilities.

“Card” means a debit card issued by Lead Bank, Member FDIC, and provided to eligible customers for use in accordance with these terms. The Card is linked to a Taptap Send Wallet for your benefit. Card includes any physical card or virtual card.

“Destination Country” means the country in which the Recipient receives money or Digital Content through the Services.

“Digital Content” means data that is produced and supplied in digital form (e.g. anything downloadable or that exists digitally such as airtime or online vouchers).

“Digital Content Services” means our service that allows you to buy Digital Content from us and send it to a Recipient.

“Payment Instruction” means a specific instruction from you requesting us to effect a Transfer.

“Payment Method” means a valid method of payment used to initiate a Payment Instruction, load funds onto the Lite Wallet or to pay for Digital Content.

“Payment Services” means the provision of the Lite Wallet and the remittance service enabling you to make Transfers.

“Recipient” means someone (including Business Recipients) who receives money or Digital Content into an account or by way of cash-pick up, mobile money or similar services, in each case provided by a Service Provider pursuant to a Payment Instruction or instruction to buy and send Digital Content sent through the Services.

“Security Details” means the security credentials associated with your account with us, including your password and any other login information that we may choose to accept from time to time (including biometric information).

“Sender” means someone who uses the Services to send money or Digital Content.

“Services” means collectively the Payment Services (including Lite Wallet and Transfer services) and Digital Content Services.

“Service Fee” means our fee (which may vary, for example, depending on the destination of the Sender and the Recipient and the amount of the Transfer), which will be presented to you before paying for a Service.

“Service Provider” means a local bank, mobile network operator, or other third party service provider in a Destination Country (with whom we work to provide the Service) which provides an account, cash pick-up, cash delivery, mobile wallet or similar services to a Recipient or an account for Digital Content.

“Taptap Send Wallet” means a deposit account established for your benefit at Lead Bank, Member FDIC, which may provide access to federal deposit insurance, ACH transfer, and be linked to a Card. A Taptap Send Wallet is governed by Taptap Send Wallet Services Agreement.

“Lite Wallet” means a stored value account registered in your name, which enables you to electronically hold, send and receive funds in currencies supported through the App and may be used to fund Transfers.

“Transfer” means the transfer of money through one of the Payment Services.

“Transfer History” means the record of your Lite Wallet transactions, Transfers and purchases of Digital Content on our App, which you may access using your email and Password registration details.

“Unauthorized Transfer” means when money is sent or withdrawn from your Lite Wallet that you did not authorize and that did not benefit you.

• CONTACT DETAILS

To contact us you can:

• Call us at 1 (833) 916-0670

• Email us at support@taptapsend.com

• Write to us at 228 Park Ave S., Suite 87488, New York, NY 10003-1502

• Chat to us using the App

Please see the “Support” section of the App or the “Contact Us” section of our website for more details on how to contact us.

• USING THE SERVICES

  1. Our Services are:

     1. Transfers: You don’t need to have a Lite Wallet or Taptap Send Wallet to send money. You can send international money remittances to recipients via selected Service Providers in Destination Countries when you log into the App.

     2. Lite Wallet: The Lite Wallet is a prepaid account that allows you to hold, spend, request, send and receive money as well as convert multiple currencies.

     3. Digital Content: You can use the App to purchase Digital Content from us and send it via selected Service Providers to a Recipient.

  2. You can use the App to access services provided by Lead Bank. If you are approved for a Taptap Send Wallet, that account is held at Lead Bank, Member FDIC, and your use of the Taptap Send Wallet, including ACH transactions, and any associated Card, is governed by Taptap Send WalletServices Agreement.

  3. If you are authorized for a Lite Wallet but not a Taptap Send Wallet or Card, your Lite Wallet transactions are not processed as ACH payments and are not subject to Lead Bank’s Account Services Terms and Conditions. You may have only a Lite Wallet or Taptap Send Wallet but not both.

  4. To register for the Services, download the App (e.g. from the App Store^®) or contact us through Whatsapp and follow the instructions. We may issue updates to the App. You might become unable to use the App until you have downloaded the latest version. You are responsible for ensuring that your mobile device and operating system are compatible with the App. We do not guarantee functionality on unsupported or outdated platforms. We may disable or restrict access to the App on devices that do not meet current software standards or security requirements.

  5. Once you have registered for the Services, you can use the App’s functions, including (subject eligibility):

     1. load money onto your Lite Wallet using a Payment Method, creating a balance;

     2. instruct a refund of your Lite Wallet balance;

     3. submit Payment Instructions by selecting what kind of payment you want to make, choosing your Payment Method, entering or selecting the amount and associated information, then clicking “Send” (or equivalent) on the confirmation page;

     4. view your Transfer History;

     5. purchase Digital Content by selecting the type of Digital Content, choosing your Payment Method, entering or selecting the Recipient and account you want to send it to, enter the associated information and then clicking “Send” (or equivalent) on the confirmation page;

     6. subject to availability, convert your Lite Wallet balance from one currency to another by selecting the currency to be purchased, enter the amount of currency to be exchanged and then click “Confirm” (or equivalent) on the confirmation page (which sets out the applicable exchange rate);

     7. manage your use of the Services, or close your account.

  6. If you have a Taptap Send Wallet or Card, you can also use the App to manage and view information in relation to those products.

  7. For security reasons, we may require you to re-enter your Security Details or otherwise confirm your identity to finalize Payment Instructions or access certain functions in the App.

  8. Statements. Electronic statements of your Transfer History are available to view and print from the App. Carefully review your statements each statement period and notify us of any errors. You also have a right to obtain a sixty (60) day history of your Transfer History by contacting us.

• YOUR OBLIGATIONS

  1. You must be 18 years old to use the Services.

  2. We must do security and customer due diligence checks on you. These are required by law. This may involve verifying your address and personal details to confirm your identity. We may pass your personal information to a credit reference agency, who may keep a record of it. We may also verify the identity of a recipient.

  3. You agree:

     1. to provide us with accurate and truthful information about your and any designated Recipient’s identity and any identity documents we ask for;

     2. to promptly update your personal information if it changes;

     3. to use our services in compliance with applicable law;

     4. to regularly review your bank communications, Transfer and transaction history and monitor for unauthorized activity;

     5. to comply with any requests for further information and documents we require; and

     6. that we may, directly or through any third party, investigate the information you provided to us, including checking commercial databases or credit reports.

  4. You must make every effort to keep your Security Details safe and prevent unauthorized access to the Services by:

     1. ensuring that only you access the Services using your Account;

     2. changing your password regularly and ensuring that it is not reused for other online services;

     3. not sharing your Security Details with anyone, including us, and letting us know immediately if anyone asks you for your Security Details;

     4. setting up 2-step authentication where prompted;

     5. if you use your biometrics (e.g. fingerprint or face identification) to authenticate actions in the App, making sure only your biometrics are registered and can be used in the App;

     6. keeping your email account secure and letting us know immediately if your email address becomes compromised; and

     7. contacting us immediately if you suspect your Security Details have been stolen, lost, used without your authorisation, or otherwise compromised. If this happens you should change your Security Details.

  5. You must not:

     1. use our Services in connection with illegal activity, including but not limited to money-laundering, fraud, and the funding of terrorist/proliferation activities and/or organizations;

     2. use our Services in connection with sexually oriented materials or services, gambling activities, or buying or selling tobacco, tobacco-related products, firearms, prescription drugs or other controlled substances;

     3. misuse our Services for example by attempting to gain unauthorized access, introducing viruses, trojans, worms, logic bombs or other materials which are malicious or technologically harmful or attempt to gain unauthorized access to our Website, our servers, computers or databases;

     4. reproduce our Services or App in any form or store or incorporate them into any information retrieval system, electronic mechanical or otherwise, or copy, emulate, clone, rent, lease, sell, commercially exploit, modify, decompile, disassemble, distribute, reverse engineer or transfer CTP or any portion thereof;

     5. use any device, software or routine to interfere or attempt to interfere with the proper working of the Services and/or take any action that imposes an unreasonable or disproportionately large burden on our or third party systems;

     6. use the Services in any manner that could be deemed false and/or defamatory, abusive, vulgar, hateful, harassing, obscene, profane, threatening, invasive of a person's privacy, or in violation of any third-party rights, in particular you must treat all our staff and representatives with courtesy and respect. Abusive, threatening, harassing, or otherwise offensive behaviour — whether verbal, written, or physical — will not be tolerated under any circumstances;

     7. register more than one account with us;

     8. use our Services for speculative trading;

     9. use our Services to send Transfers or Digital Content on behalf of someone else;

     10. let someone else use your Security Details to use your account. If you do, we will have to assume it’s you and we will not be responsible for any losses you incur as a result of misuse or disclosure of information about your account by that other person;

     11. send or receive what could reasonably be believed to be potentially fraudulently gained funds;

     12. provide false, inaccurate, or misleading information;

     13. refuse to verify any information you provide to us, including proof of identity, or refuse to co-operate in any investigation;

     14. use our Services in a manner that we, a card network, or any other electronic funds transfer network, believes to be an abuse of the card system or a violation of card association or network rules; or

     15. request a chargeback on a Payment Method you have used for a Transfer or to fund your Lite Wallet in any way that may be illegitimate or abusive. Your bank will usually expect you to try to resolve these issues with us first before seeking a chargeback.

• TAPTAP SEND PAYMENT SERVICES

Lite Wallet

1. The Lite Wallet allows you to hold, spend, send and receive funds and convert currency. You may hold your funds in any currencies that we support from time to time. If you convert funds into another currency in your Lite Wallet, we will let you know any applicable fees and the exchange rate in the App at that time. You agree and accept all the risks associated with maintaining an account that can hold balances in multiple currencies including any risks associated with fluctuations in the relevant exchange rates over time.

2. You can receive funds into your Lite Wallet in different ways:

   1. by using a Payment Method in your name, accepted in the App;

   2. from another Lite Wallet-user in a Lite Wallet to Lite Wallet transfer (you can request to receive money from another Lite Wallet user).

3. You should check and confirm the receipt of incoming funds in your Lite Wallet regularly and let us know if there are any irregularities or discrepancies.

4. If any funds are reversed by the sender or any payment provider, you agree that we may deduct the amount of the funds plus any fees from your Lite Wallet.

5. If any transaction causes you to go over your available Wallet balance, you must pay us the outstanding amount. We will not process your payment transactions until you have paid us back.

Transfers

6. To make Payment Instructions in the App or via Whatsapp, you must:

   1. provide information about your Transfer including the full name of the Recipient, the Recipient’s account details and the amount to be transferred;

   2. provide the unique identifier for the Recipient’s account (e.g. the account number or mobile number);

   3. select your Payment Method;

   4. provide us with any additional information we may request relating to the Payment Instruction (for example, any specific reference number requested by a Business Recipient); and

   5. confirm the Payment Instruction, this will be your consent to us making the payment.

7. We are not obliged to process any particular Transfer. When you submit a Payment Instruction, you are requesting that we process the Transfer on your behalf and consenting to the execution of the Transfer. We may, in our sole discretion, choose whether or not to accept the offer to process that Transfer.

8. When you initiate a Payment Instruction, we will provide you with disclosures notifying you of the Service Fee to be charged (if any), any applicable taxes to be charged by us, and the applicable exchange rate you will receive. The exact amount received by Recipient may also be less due to fees charged by Recipient’s Service Provider and foreign taxes.

9. When you click “Send” on the confirmation page you authorize us to debit your Payment Method for the amount of the Transfer, any applicable taxes to be charged by us and any Service Fee, and to initiate the Transfer. If there is an issue debiting your Payment Method yet the Transfer succeeds, you authorize us to debit your Payment Method for the amount of the Transfer, any applicable taxes to be charged by us and any Service Fee at a later date.

10. You must make sure the Payment Instruction is accurate. For example, if you provide the wrong recipient details you will send the payment to the wrong account. We will do our best to help you get your money back, but you will be responsible for any loss if we are unable to. Therefore, it is important you check your instruction carefully before submitting it.

11. You are responsible for making sure that your designated recipients are legitimate/genuine. While we are committed to fighting fraud and will try to support you if you are subject to a scam, we are not responsible for loss or damages resulting from payments or transfers made by you to fraudulent third parties.

12. Once you click “Send”, we receive your Payment Instruction and will start to execute the Transfer immediately. You will not be able to change it or, once it has been delivered, cancel it.

13. We will treat a Payment Instruction as received at the time you confirm the Payment Instruction, whether or not that is during a business day. It will reach the account of the Recipient as soon as we can get it there (as shown as the ‘date available’ on your receipt).

14. Transaction times may be longer in the event that the Recipient’s Service Provider needs to undertake enhanced anti-money laundering checks on the transfer. Delivery times quoted on our website (or elsewhere) are representative for the “normal”/average service and are not a guarantee of an individual Transfer time.

15. We will provide you with a receipt after acceptance of a Payment Instruction enabling you to identify the Transfer, along with details of the Recipient, the details of the amount of the Transfer in the currency used in the Transfer, any Service Fees we may charge or any fees that the Service Provider may charge, the amount received in foreign currency, the exchange rate and the date on which the Payment Instruction was received. We will also provide you with details of your error resolution and cancellation rights, and details of your state regulator and the federal Consumer Financial Protection Bureau (CFPB) should you wish to complain about our services.

16. If you have made a Transfer for cash pick-up and the cash is not picked up by the Recipient within 30 days of when it was first made available we may cancel the Transfer and refund the amounts to the Payment Method used. This is subject to the timings and conditions set by our payment processing partners.

17. We are not able to accept partial reversals initiated by a Transfer recipient.

18. For Business Recipients, you acknowledge that:

    1. we are not an agent of the Business Recipient;

    2. we are not responsible for any mistakes in the invoices or other notifications you receive that indicate the amounts you owe the Business Recipients;

    3. we are not party to agreements between you and the Business Recipient and do not determine any payment terms;

    4. we are not responsible if you do not complete a payment to a Business Recipient;

    5. we are not responsible for the quality or delivery of any goods or services you pay for using our Services;

    6. we are not responsible for mediating disputes or enforcing any underlying arrangements you have with a Business Recipient;

    7. invoices / bills can only be processed to a Business Recipient with a valid reference number - if you provide the wrong reference number you will send the Transfer to the wrong account and lose your money, we will not be able to get it back for you; and

    8. payment to us for a Transfer does not constitute payment to a Business Recipient until they receive the Transfer, and then it may take several business days for a Business Recipient to reflect the payment in their customer account system (i.e. their records for what a student, patient or utility customer might owe).

• DIGITAL CONTENT SERVICES

Sending Digital Content

1. You can buy Digital Content from us and send it to a recipient’s account in a Destination Country. This is not a money transmission service.

2. To buy and send Digital Content using the App, you must:

   1. select the type and amount of Digital Content you wish to buy;

   2. provide information about the recipient of the Digital Content. If you enter the wrong details, you will send the Digital Content to the wrong account and we may not be able to recover it;

   3. select your Payment Method; and

   4. provide us with any additional information we request.

3. The total amount (including all taxes and charges) for you to pay will be displayed in the App before you send the Digital Content.

4. When you click to “Confirm and Send” your purchase, you authorize us to debit your Payment Method and send the digital content to your recipient.

5. There may be a short delay between you sending the Digital Content and it being delivered to the recipient. We will send you a confirmation as soon as we know that your transaction has been successfully completed.

Cancellation

6. Once you confirm your order, we start to send the Digital Content and it cannot be recalled.

Digital Content T&Cs and Promotions

7. Each type of Digital Content will have its own terms and conditions from its provider (such as the mobile network operator for airtime). We are not responsible for failed or defective delivery by the Service Provider unless the failure was due to our own act or omission. You acknowledge that certain types of content may be restricted by location or subject to third-party licensing conditions.

8. We are not responsible for the terms and conditions or promotions of Digital Content providers. From time to time, Service Providers will run promotions on the Digital Content. We will display any special terms and conditions for those promotions in the App.

• OUR RIGHT TO REFUSE, SUSPEND OR CANCEL A PAYMENT INSTRUCTION OR THE SERVICES

Limits

1. You agree that we may apply limits to the amount you can a) load onto your Lite Wallet; b) are able to send to Recipients or c) use to purchase Digital Content.

2. We may do so either on a per Transfer basis or on an aggregate basis, and either in respect of one set of registration details or one Payment Method or on related sets of registration details or Payment Methods. We might also limit the value of currency exchange you can carry out at any one time or over a period of time.

Delays

3. We may delay or suspend a Service including (but not limited):

   1. to verify your identity to respond to any security alerts which we receive in relation to your use of the Services;

   2. to validate your Payment Instruction or instruction to send Digital Content;

   3. due to system outages within our Service Providers;

   4. due to a system outage or instruction by Lead Bank, where applicable; or

   5. otherwise to comply with applicable law.

4. We will attempt to maintain up to date information regarding the availability of Service Providers by means of information on our website or our App.

Suspension

5. We may refuse any request to load or refund funds to/from your Lite Wallet or any Payment Instruction, or suspend your use of the Services if we believe that:

   1. it would put you over any applicable limits;

   2. it would break this Agreement;

   3. it is unauthorized (e.g. someone else is trying to use the Services without your permission);

   4. it is fraudulent (including where we suspect that you may be a victim of a scam);

   5. you may be acting illegally; or

   6. we are required to do so by law.

6. We will generally inform you before or immediately after refusing a Payment Instruction or suspending your use of the Services, and provide our reasons for doing so. However, we will not provide reasons or any information if doing so is against the law or would compromise our security measures.

• YOUR RIGHT TO CANCEL; UNAUTHORIZED TRANSFERS; REFUNDS; ERRORS

Cancellation

1. To the extent permitted by law, once we have received your Payment Instruction, we will execute the Transfer immediately. So long as the Payment Amount has not already been deposited into an account of the Recipient, you have thirty (30) minutes from when we receive your Payment Instruction to cancel your Transfer; provided that the funds have not yet been received by the Recipient. We will treat a Payment Instruction as received from you at the time that such Payment Instruction is actually received by us, which will normally be at the time you confirm a Payment Instruction, whether or not that is during business hours.

2. In order to cancel your Payment Instruction or request a refund, you must contact us in writing (including by email) or by telephone using the details in the Contact Us section within thirty (30) minutes of the Payment Instruction. When you contact us, you must provide the Sender’s full name, address, and phone number, together with the Transfer identification number and Transfer amount. As long as the Payment Amount has not been deposited into an account of the Recipient or picked up by the Recipient, we will refund you for the canceled Transfer, including any Service Fee (and taxes charged by us unless prohibited by law) within three (3) business days of your request to cancel.

Unauthorized Transfers

3. If you think someone has accessed your Lite Wallet using your Security Details or there is an error you must tell us immediately by calling 1 (833) 916-0670 emailing us at support@taptapsend.com, or writing to us at 228 Park Ave S., Suite 87488, New York, NY 10003-1502.

4. If you tell us within two (2) Business Days of learning of the misuse of your Security Details you will only be liable for $50 or the amount of Unauthorized Transfers that took place before you told us of the issue (whichever is lower).

5. If you do not tell us within two (2) Business Days, you will be liable for the lesser of $500 or the sum of:

   1. $50 or the amount of Unauthorized Transfers that occurred within the two (2) Business Days; and

   2. The amount of Unauthorized Transfers that occurred after the two (2) Business Days and before you notified us (if we can show that these would not have occurred if you told us sooner).

6. If you see an Unauthorized Transfer that appears on your Transfer History you must tell us within 60 days of receiving the Transfer History. If you do not tell us within 60 days after we provided the Transfer History to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

Refunds

7. We will refund a Transfer if required by law, or if the issuer of your Payment Method requires it.

8. We may refuse your request for a refund if we can show that:

   1. you have acted fraudulently;

   2. you intentionally or with gross negligence did not take all reasonable steps to keep your Security Details secret;

   3. the Recipient received the money; or

   4. there was a mistake in the Payment Instruction (e.g. the Recipient’s account details) which you gave us.

9. If we have executed the Transfer in accordance with your Payment Instruction, and that information proves to have been incorrect, we are not responsible for the error. We will however make reasonable efforts to recover the funds.

10. Refunds will be credited automatically to the Payment Method used to fund the Transfer, in the same currency used to fund the Transfer. We may request additional details from you to process the refund. If you paid by card, refunds may take anywhere from three to ten business days to show on your account once it has been initiated by us as it depends on banks’ processing time. If you cannot see the refund after ten business days, you should contact your bank for more information.

11. We are not responsible for refunding payment Transfers made using a Payment Service to pay bills or for goods/services unless it falls within Section 7.7 above. The Business Recipient to which you have made a payment will determine your eligibility for a refund. You, therefore, should contact the Business Recipient directly for further details on obtaining a refund.

12. You can request a refund of any or all of the funds you loaded to your Lite Wallet through the App. Promotional credits are not refundable.

13. If you request a refund from your Lite Wallet, the balance will be refunded to you in USD at the exchange rate offered in the App on the day you request your refund.

14. We will not refund any Lite Wallet balance that has been transferred to your state government as unclaimed property under applicable law.

15. Once Digital Content is sent, it can normally be used immediately and therefore cannot be refunded or canceled.

Error resolution

16. In case of errors or questions about your electronic transfers, contact us using the details in the Contact Us section, if you think your Transfer History or receipt is wrong or if you need more information about a transfer listed on the Transfer History or receipt. We must hear from you no later than 60 days after the problem or error FIRST appeared on your Transfer History.

17. You will need to tell us:

    1. Tell us your name, address and phone number.

    2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

    3. Tell us the dollar amount of the suspected error.

18. If you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days.

19. We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days, we may not credit your account.

20. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation and debit your account for the temporarily credited amount. You may ask for copies of the documents that we used in our investigation through one of the methods listed above.

21. These timelines may be longer (up to twice as long) if you opened your Lite Wallet in the last 30 days.

22. If there is an error relating to a remittance Transfer, then the following procedures for resolving such an error will apply. Errors include, but are not limited to, a computational mistake made by us relating to the remittance, or our mistakenly providing the wrong Payment Amount to the Recipient.

    1. If you think there has been an error relating to a remittance Transfer, you must contact us within 180 days of the date we promised to you that funds would be made available to the Recipient (this information is on your receipt). When contacting us, you must give your full name, address, and phone number, the Transfer tracking number, Transfer amount, the error with the Transfer (and why you believe it is an error), and the name of the Recipient (and if you know it, the Recipient’s telephone number or address).

    2. We will determine whether an error occurred within ninety (90) days after you contact us and we will tell you the results within three (3) business days after completing our investigation. We will correct any error within one (1) business day of, or as soon as reasonably practicable after, receiving your instructions regarding the appropriate remedy. If we decide that there was no error, we will email you a written explanation. You may ask for copies of any documents we used in our investigation.

• WHAT WE ARE RESPONSIBLE FOR

  1. We agree to provide the Services to you using reasonable care. You acknowledge that the Services may not be available, in whole or in part, in certain regions, countries, or jurisdictions.

  2. We agree to relay to Lead Bank any information you provide to us about your Taptap Send Wallet. You acknowledge that Lead Bank is the program sponsor of Taptap Send Wallets and Cards and Taptap Send is the service provider for these services.

  3. Subject to applicable law and at our request, you agree to defend, indemnify, and hold harmless the Lead Bank, Taptap Send, and our parents, subsidiaries, and other affiliated companies, and our and their employees, contractors, officers, and directors against any and all claims, suits, damages, costs, lawsuits, fines, penalties, liabilities, and expenses (including, without limitation, reasonable attorneys’ fees and court costs) that arise from your violation of this Agreement, applicable law, or any third-party rights or your fraud or willful misconduct. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate in asserting any available defenses.

  4. Where we have materially breached this Agreement causing a loss to you, we will refund you the Transfer or Digital Content and any Service Fee charged. You may also be entitled to your attorneys’ fees and the costs of pursuing the dispute. Any claim for compensation made by you must be supported by any available relevant documentation. Except to the extent otherwise provided by law, we expressly limit our liability for that loss to the greater of: (i) the amount of any Service Fee that was paid to us; and (ii) $500. This liability cap applies to any single Transfer, act, omission or event and to any number of related Transfer, acts, and omissions or events.

  5. To the extent we control it, if we don’t complete a Transfer instructed in accordance with this Agreement on time or in the correct amount, we will be responsible for your losses or damages. However, we will not be responsible if:

     1. through no fault of ours, you do not have enough money in your Lite Wallet to make the Transfer or the Transfer would exceed a limit;

     2. any failure to perform the Service as a result of circumstances which could reasonably be considered to be due to abnormal and unforeseen circumstances outside our reasonable control, which may for example include delays or failures caused by problems with another system or network (including those of our Service Providers), mechanical breakdown or data-processing failures;

     3. non-payment or delay in payment to a Recipient or failure to perform a Transfer or send Digital Content under the Services if you are in serious breach of this Agreement;

     4. a Service Provider;

     5. a failure on the part of Lead Bank;

     6. us meeting our obligations under any applicable laws, rules, or regulations; or

     7. errors on the website or with the Services caused by incomplete or incorrect information provided to us by you or a third party.

  6. We are not, in any event, responsible for any funds after they are provided to a Recipient (whether in the Recipient’s account or collected via a Service Provider).

  7. Notwithstanding anything in this Agreement to the contrary, we shall not be liable under any theory of tort, contract, unjust enrichment, strict liability or other legal or equitable theory for lost profits, lost revenues, lost business opportunities, exemplary, punitive, special, incidental, indirect or consequential damages, each of which is excluded by us, regardless of whether or not we had foreseen, or could have foreseen, or has been advised of, the possibility of such damages. For the avoidance of doubt, nothing in the preceding sentence limits the monetary remedies you are otherwise entitled to under the Electronic Funds Transfer Act.

• CHANGES TO THE AGREEMENT

  1. Subject to section 9.2, we will make changes to this Agreement from time to time. We will do this by posting a revised version on the ‘User Agreement’ page of our website. We recommend that you check this page occasionally to stay up to date.

  2. We will give you 21 days’ written notice if the change would result in:

     1. Changes to our fees;

     2. Changes to your or our liability, including for Unauthorized Transfers;

     3. Changes to the way you notify us of Unauthorized Transfers;

     4. Fewer types of Transfers or limitations on Transfers;

     5. Changes to our Business Days;

     6. Changes to the circumstances under which we may provide information about your Lite Wallet to third parties; and

     7. Changes to your rights to receive the Transfer History or other Lite Wallet receipts.

  3. If you do not agree with any change, you may terminate your use of the service. If you continue using the Services, we will take that as your acceptance of the change.

• ENDING THE AGREEMENT

  1. This Agreement will continue until you or we end it.

  2. You can end this Agreement at any time free of charge by contacting us in writing (by email) at the details in the Contact Us section.

  3. We can end this Agreement and your access to the Services at any time, with two (2) months’ notice.

  4. We can end this Agreement and your access to the Services immediately if:

     1. we reasonably believe you are using the Services fraudulently or illegally;

     2. we are required to do so by applicable law, regulation, court order or regulator instructions;

     3. if you withdraw your consent to receive any required notices from us electronically;

     4. if you haven’t given us any information we need, or we reasonably believe that information you have provided is incorrect or not true; or

     5. if you have broken this Agreement in a serious or persistent way, and you haven’t put the matter right within a reasonable time of us asking you to.

  5. We will inform you if we end the Agreement immediately as soon as we can, if the law allows.

  6. When this Agreement ends, we will stop processing any new Payment Instructions and seek to refund any amounts held in your Lite Wallet. We will continue processing Payment Instructions that were submitted and are still pending when the Agreement ends. Your payment obligations to us will continue after the Agreement ends.

• HOW YOUR MONEY IS PROTECTED

  1. We act as your agent for the purpose of the remittance service. Where we hold your money for the purpose of a Transfer, we hold it in custodial accounts established for the benefit of our customers. This means we keep your money separate from our own funds in accounts held for you.

  2. If you hold only a Lite Wallet, your funds are safeguarded in accordance with applicable U.S. state money transmission laws. Funds held in a Lite Wallet are not bank deposits and are not FDIC insured.

  3. Any Taptap Send Wallet opened through the App is established at Lead Bank. Customer funds held in a Taptap Send Wallet are held by Lead Bank, not by Taptap Send. Taptap Send acts solely as the program manager and service provider for Lead Bank in connection with the fTaptap Send Wallet and Card and does not hold customer deposits. Eligible funds held in Taptap Send Wallets are insured by the FDIC up to applicable limits, subject to FDIC rules and requirements. FDIC insurance applies only to funds held at Lead Bank and does not protect against the failure of Taptap Send.

• COMPLAINTS/COMPENSATION

  1. If you have a complaint regarding an Error, such complaint will be resolved based on the procedures outlined in Section 7. If you have any other complaint related to your use of the Service, please email us at the details in the Contact Us section.

  2. We will do our best to resolve your complaint as soon as possible, and send you a final response by email within 15 business days of receiving the complaint. If, in exceptional circumstances, for reasons beyond our control, we need more time to respond, we will send you a holding reply within 15 business days of receiving your complaint to let you know when you will receive our final response. The final response will be no later than 35 business days from the date on which we first received your complaint.

  3. If you are unhappy with our response, you may refer your complaint to the Consumer Financial Protection Bureau (the “CFPB”), tagging whichever company has oversight of the complained about service; see https://www.consumerfinance.gov/ask-cfpb. You can also call them at (855)-411-CFPB.

  4. Except for complaints about Digital Content Services, you may be able to submit your complaint to your state banking department regulator. Information relating to your state banking department’s contact details is available on your Receipt.

• FEES AND EXCHANGE RATES

  1. You must pay any applicable Service Fees. Our Service Fees and live exchange rates are available on our website and in the App. Service Fees are due when you submit your Payment Instruction or an instruction to buy and send Digital Content, and are non-refundable. We will let you know the exact amount you must pay in the App before you are asked to confirm your Payment Instruction or send Digital Content.

  2. Our exchange rate is the rate set by us for the relevant currency pair and Service, which will generally change on a daily basis. For some currencies, there will be a difference between the exchange rate at which we buy foreign currency and the exchange rate provided to you, which is designed to cover our costs.

  3. When you make Transfers, load your Lite Wallet and pay for Digital Content in a different currency from the one in which your Payment Method is denominated (e.g. you pay in USD to receive an equivalent amount in a different currency) we will apply our standard exchange rate (which may change at any time) and any applicable Service Fees for such exchange, as set out in the App or Whatsapp web-channel at the time of conversion.

  4. Others might impose taxes, fees or charges on you, e.g. for use of a particular Payment Method to fund a Transfer or load the Lite Wallet (e.g. unauthorized overdraft fees).

  5. Others might impose taxes, fees or charges on the Recipient, e.g. a Service Provider may charge a fee to withdraw the Transfer. We may offer you the option of sending additional funds to cover the cost of that fee.

  6. Your Payment Method may give you chargeback rights. You agree that you will not request a chargeback for reasons for which we are not responsible, such as a dispute with your Recipient. We may charge you for our costs associated with your chargebacks.

• INTELLECTUAL PROPERTY

  1. The App and the Services, the content, and all intellectual property relating to them and contained in them (including but not limited to copyrights, patents, database rights, trademarks, and service marks) are owned by us, our affiliates, or third parties. All rights, title, and interest in and to the Taptap Send website and the Services shall remain our property and/or the property of such other third parties.

  2. The App and the Services may be used only for the purposes permitted by this Agreement or described on the website. You are authorized solely to view and to retain a copy of the pages of the App for your own personal use. You may not duplicate, publish, modify, create derivative works from, participate in the transfer or sale of, post on the internet, or in any way distribute or exploit the Taptap Send website, App, Services or any portion thereof for any public or commercial use without our express written permission. You may not: (i) use any robot, spider, scraper or other automated device to access the App or the Services; and/or (ii) remove or alter any copyright, trademark or other proprietary notice or legend displayed on the Taptap Send website (or printed pages of the website). The name “Taptap Send” and other names and indicia of ownership of Taptap Send’s products and/or services referred to on the Taptap Send website are our exclusive marks or the exclusive marks of other third parties. Other products, services and company names appearing on the website may be trademarks of their respective owners, and therefore you should not use, copy or reproduce them in any way.

• ELECTRONIC COMMUNICATIONS

  1. You acknowledge that this Agreement is entered into electronically, and that the following categories of information (“Communications”) may be provided by electronic means:

     1. this Agreement and any amendments, modifications or supplements to it;

     2. your Transfer History through the Services;

     3. any initial, periodic or other disclosures or notices provided in connection with the Services, including without limitation those required by law;

     4. any customer service communications, including communications with respect to claims of error or unauthorized use of the Services; and

     5. any other communication related to the Services or us.

  2. The Services do not allow for Communications to be provided in paper format or through other non-electronic means. You may withdraw your consent to receive Communications electronically, but if you do, your use of the Services will be terminated. To withdraw your consent, you must contact us by email.

  3. Copy of Agreement: This Agreement is available for you to review at any time via the App or on our website. We will email a copy of these terms to you when you first register for the Services. You can also ask us to email you a copy of these terms (including any modifications) at any time.

  4. Transfer History: For at least each month in which you have made a transfer, we will email you at the email address you have provided, notifying you that your monthly Transfer History is ready for viewing via the App. You may also download the Transfer History from the App for your own records. You should review these carefully and notify us within 60 days if any Unauthorized Transfers appears on your Transfer History.

  5. Security: If we have to contact you because of a suspected or actual fraud or security threat, we will do it by calling or texting your mobile number.

  6. App: In the event of a conflict between information on the App and information on our website, please rely on the information on the App.

  7. By providing us with a telephone number for a wireless device, you express consent to receiving non-marketing communications from us and our affiliates and agents at that number. Calls and messages may incur access fees from your cellular provider.

• OTHER IMPORTANT TERMS

  1. Governing Law: You agree that, except where preempted by federal law, this Agreement is governed by the laws of the State of New York.

  2. Disputes: If you want to take legal action against us in the courts, only the courts of New York can deal with a dispute between us in connection with this Agreement and our Services.

  3. Legal Proceedings. You understand that we may from time to time receive legal documents, "Legal Process," in connection with your Taptap Send account, including writs of attachment, execution or garnishment, tax withholding orders, levies, restraining orders, subpoenas, warrants, injunctions, requests for information from government agencies, search warrants, forfeiture orders. You agree that we are not required to contest any Legal Process. We may in our discretion notify you of our receipt of Legal Process, but may not be required to do so under applicable lawe. We may be compelled to hold or turn over your Lite Wallet funds or other property to a court, creditor, government agency or person named.

  4. No Third Party Rights: Nothing expressed or referred to in this Agreement will be construed to give any person other than the parties to this Agreement any legal or equitable right, remedy or claim under or with respect to this Agreement or any provision of this Agreement. This Agreement and all of its provisions are for the sole and exclusive benefit of the parties to this Agreement and their successors and permitted assigns.

  5. Language: This Agreement is made in English. English is the language that we’ll communicate with you in (unless otherwise required by law).

  6. Waiver: If you have broken the Agreement and we don't enforce our rights, or we delay in enforcing them, this will not prevent us from enforcing those or any other rights at a later date.

  7. Transfer of rights: You may not transfer any of your rights or obligations under this Agreement to anyone else. We may transfer or assign this Agreement and/or any of our rights and/or obligations this Agreement at any time without your consent.

  8. Entire Agreement: This Agreement is the entire agreement between you and us. It replaces any earlier understandings, agreements, or discussions between you and us about the subject matter of this Agreement, use of the App and/or our Services.

  9. Severability: If any provision of this Agreement is held invalid, illegal or unenforceable, the remaining provisions will not be affected in any way and you agree to accept a replacement of such provision.

  10. Disclosure of Lite Wallet information: We will share information about your Lite Wallet in accordance with our Privacy Policy. In addition, note that we will share information about the Lite Wallet with third parties to respond to requests by law enforcement and as required under applicable law.

  11. Conflicts: The Taptap Send User Agreement governs Taptap Send services, including remittances, Lite Wallet, and digital content. The Taptap Send WalletServices Agreement governs Taptap Send Wallets and Cards. In the event of a conflict, the agreement governing the relevant service will control. Notwithstanding the foregoing, arbitration provisions shall be governed by the agreement applicable to the service giving rise to the claim.

• JURY TRIAL WAIVER
  
  We and you acknowledge that the right to a jury trial is a Constitutional right that may be waived in certain circumstances. To the extent permitted by law, you and us knowingly and voluntarily waive any right to trial by jury in the event of litigation arising out of or related to this Agreement or your relationship with the Bank or Taptap Send. This jury trial waiver does not affect and shall not be interpreted as modifying the arbitration and class action waivers set forth in the next sections, which contain their own jury trial waivers.

• CLASS ACTION WAIVER

You and Taptap Send agree that any dispute, claim or controversy arising out of or relating to this Agreement or your use of the Services will be conducted only on an individual basis and not as part of any class, consolidated or representative action. You waive any right to participate as a class representative or class member.

• ARBITRATION PROVISION

  1. Any claim, dispute or controversy (“Claim”) arising from or in any way relating to your Taptap Send Walletor Card or this Agreement shall be FINALLY and EXCLUSIVELY resolved by binding individual arbitration conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. This arbitration agreement (the “Arbitration Provision”) is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act (9 U.S.C. 1-16). For a copy of AAA’s procedures, to file a Claim or for other information, contact AAA at: AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org.

  2. ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO A JURY TRIAL OR TO ENGAGE IN DISCOVERY, EXCEPT AS PROVIDED FOR IN THE AAA CODE OF PROCEDURE.
     

  3. All determinations as to the scope, interpretation, enforceability and validity of this Arbitration Provision shall be made final exclusively by the arbitrator, which award shall be binding and final. Judgment on the arbitration award may be entered in any court having jurisdiction.

  4. Location of arbitration and costs.: Any in-person appearances will be held at a location which is reasonably convenient to both parties with due consideration of their ability to travel and other pertinent circumstances. We will pay arbitration filing, administrative, and arbitrator fees as required by applicable law or arbitration rules. Each party shall bear its own attorneys’ fees unless otherwise awarded under applicable law.

  5. Survival. If any portion of this Arbitration Provision is inconsistent with this Agreement, or with the Taptap Send User Agreement or any other agreements governing any product or service provided by Taptap Send, this Arbitration Provision shall govern. It shall survive the closure of your Taptap Send Wallet, termination of any product or service provided by Taptap Send, termination of any agreement into which you enter with a Taptap Send or Lead Bank, and any withdrawal or denial of or determination on any application for a Taptap Send Wallet; and you understand and agree that this Arbitration Provision applies not only to this Agreement but also to any subsequent agreement (including without limitation any agreement governing any product or service) into which you enter with Taptap Send. For the avoidance of doubt, this arbitration provision applies only to claims governed by this Agreement and does not supersede arbitration provisions contained in other agreements governing different services. If any portion of this Arbitration Provision is deemed invalid or unenforceable, it shall not invalidate the remaining portions of this Arbitration Provision.

  6. Small Claims Exception. The parties agree that this Arbitration Provision is not applicable to “small claims,” meaning those claims that either party is entitled to file and maintain in an appropriate small claims court or any action where the total amount in controversy is no greater than $10,000, including any claims for attorney’s fees and non-monetary relief.

  7. Coordinated claims. If 25 or more Claimants submit similar Notices or file similar arbitrations against us that raise substantially similar issues of law or fact and are represented by the same or coordinated counsel (a “Mass Arbitration” as defined in the AAA Mass Arbitration Supplementary Rules), the Claims shall be administered and resolved in staged proceedings consistent with those rules and this Section. You agree that this process may result in delayed resolution of your Claim. In the first stage, the parties will each select up to 25 claims (50 total) to be filed and arbitrated individually before separate arbitrators. If fewer than 50 Claims exist, each side may select up to half of the total Claims. Where reasonably practicable, arbitrators shall be selected consistent with the AAA’s consumer rules, including consideration of the claimants’ home states. Except as provided below, no other arbitrations within the Mass Arbitration shall proceed while Stage One is pending. The AAA shall administer the arbitrations in accordance with its rules and shall assess and collect fees only for the arbitrations actually proceeding at that stage. This subsection does not apply to claimants not represented by the same or coordinated counsel. After Stage One, the parties shall participate in a single mediation addressing all remaining claims for which we will pay the mediator’s fees, consistent with applicable law and AAA rules. If Claims remain unresolved after mediation, the parties shall proceed with a second stage of up to 50 claims selected and arbitrated individually, followed by mediation. If claims remain after the second stage, the process shall continue with these modifications but with up to 100 claims arbitrated in subsequent stages. After stage two, Claims shall be randomly selected by the AAA or its designee; arbitrators from prior stages may be appointed if additional arbitrators are not reasonably available; and mediation shall be optional at the election of claimants’ counsel. This staged process shall continue until all claims are resolved. For any Claim subject to this Section, any applicable statute of limitations or contractual limitations period shall be tolled from the date the initial bellwether claims are selected until the claimant’s claim is selected for arbitration, withdrawn, or otherwise resolved. A court of competent jurisdiction may enforce this Section, including by enjoining the filing or prosecution of arbitrations or the assessment or collection of arbitration fees inconsistent with this Section or the AAA Mass Arbitration Supplementary Rules. If there is a final judicial determination that the staged process set forth in this Section is unenforceable, the Claims may proceed in arbitration. In that event, AAA and arbitrator fees shall be assessed and paid only as arbitrations proceed and arbitrators are appointed, rather than at the time of initial filing.

  8. Right to opt-out. If you do not agree to this Arbitration Provision do not activate or use the Card or Taptap Send Wallet. To close your Taptap Send Walletcontact Taptap Send and request a refund (if applicable). You can also opt-out of the Arbitration Provision by sending an email from your email address on file with Taptap Send to support@taptapsend.com describing this Agreement and stating that you are rejecting the Arbitration Provision. A rejection notice is only effective if it is received by Taptap Send not more than 10 calendar days after opening your Taptap Send Wallet. Even if you reject this Arbitration Provision the Jury Trial Waiver shall remain valid and effective, and will be incorporated into the Agreement. If you reject this Arbitration Provision, it will not affect any other provisions of the Agreement or your obligations under the Agreement. If you do not properly reject this Arbitration Provision, it will be effective as of the date you sign the Agreement.