发布日期：发布日期：2025 年9 月 15 日
生效日期：2025 年9 月 15 日
本文件的重要性
本文件是关于 Taptap Send 移动应用程序（“本应用程序”）及我们服务的用户协议，其中亦载有您需了解的其他重要事项。
本《用户协议》，连同适用于我们服务的任何其他条款与条件，构成以下双方之间的法律协议（“本协议”）：
●您，即用户；以及
●我方，即 Taptap Send New Zealand Ltd。
您注册本服务及使用本应用程序，即表示您接受本协议并同意受其约束。我们通过本应用程序向您提供我们的服务，同时也可能通过网页等其他方式向您提供信息及/或我们的服务。无论您在任何时候访问我们的服务，我们的协议均适用。
我们有权在特定情况下变更本合同的条款（见第 9 条）。您必须妥善保管您的安全凭证信息（见第 3.5 条），因为对于依据您的付款指示处理的汇款，我们不承担相关责任（详见第 7.7 条）。您可以随时通过删除本应用程序或终止本协议（详见第 10 条）来停止使用本应用程序，且无需支付任何费用。
若您参与我们的任何奖励计划，则受单独条款与条件的约束。
关于我们
我们是一家新西兰公司，已在新西兰金融服务提供商注册处登记为金融服务机构。我们的注册号是FSP1009831，公司编号是 9332679，新西兰商业编号 (NZBN) 是9429052743719。
联系我们的最佳方式是通过本应用程序中的“支持”部分。您也可以通过电话或电子邮件与我们联系。有关更多详情，请参见本应用程序中的“支持”部分或我们网站中的“联系我们”部分。
1. 定义
●“应用程序”是指 Taptap Send 移动应用程序。
●“营业日”是指除周六、周日及全国公共假日之外的任一日期（但包括各省周年庆日）。
●“企业接收方”是指企业，包括但不限于供应商、教育机构、公用事业服务提供商、医院和相关医疗机构，以及慈善机构（如教堂、慈善基金会等类似组织）。
●“目标国家/地区”是指接收方通过本服务接收款项或数字内容的国家/地区。
●“数字内容”是指以数字化形式生成和提供的数据，包括移动数据和/或话费，或类似的在线凭证。
●“知识产权”指全球范围内所有工业产权和知识产权，包括但不限于：所有版权和类似权利；与发明或发现（包括专利权）、设计、已注册和未注册商标（包括服务商标）、商号、品牌名称、货源标识或原产地名称、专有技术、电路布局相关的所有权利；全球范围内由工业、科学或艺术领域的智力活动所产生的其他所有权利。该等权利包括就上述权利提出的所有注册申请中所涉及的全部权利。
●“NZ$”指新西兰元。
●“付款指示”是指您发出的、要求我们通过以下任一方式办理汇款的指示：(a) 从您的钱包中转出；或(b) 以一次性汇款方式。
●“付款方式”是指用于为付款指示提供资金、向钱包充值或支付数字内容的有效支付方式（包括但不限于借记卡或钱包）。
●“接收方”是指通过账户、现金提取、移动支付或类似服务接收款项或数字内容的主体（包括企业接收方）——各情况下，均由服务提供商按照通过本服务发送的付款指示或数字内容购买与发送指示提供。
●“安全凭证信息”是指您在我方所注册账户相关联的安全凭证，包括您的密码以及我们可能不时选择接受的任何其他登录信息（如适用，包括生物识别信息）。
“发送方”是指使用本服务汇出款项或发送数字内容的主体。
●“服务”的相关说明详见第 2.1 节。
●“服务费”是指我们所收取的费用（该费用可能并不固定，例如具体取决于发送方与接收方的所在地以及汇款金额），我们会在您为某项服务付款前向您展示该费用。
●“服务提供商”是指目的地国家/地区的当地银行、移动网络运营商或其他第三方服务提供商，其向接收方提供账户、现金提取、现金交付、移动钱包或类似服务，或提供用于数字内容的账户。
●“汇款”是指将资金转移至接收方。
●“汇款历史记录”是指您在我们应用程序上的钱包交易、汇款操作及数字内容购买记录。
●“钱包”是指代表我方依据本协议，以单纯信托形式为您持有的资金的虚拟账户，您可以通过该账户以本应用程序支持的币种持有、发送和接收资金。
2. 使用本服务
2.1 我们的服务内容如下：
2.1.1 汇款：您无需拥有钱包即可汇出资金。登录本应用程序后，您可以通过目的地国家/地区的选定服务提供商，向接收方进行国际汇款。
2.1.2 钱包：钱包属于一种电子账户，允许您持有、支出、请求、发送和接收资金（币种包括新西兰元，以及本应用程序支持的其他可用币种）。
2.1.3 数字内容：您可以使用本应用程序从我方购买数字内容，并通过选定的服务提供商将其发送给接收方。
2.2 如需注册本服务，请下载本应用程序（如从 Apple App Store 或Google Play 下载），然后按照指示操作。
2.3 注册本服务并登录本应用程序后，您可以：
2.3.1 使用付款方式向您的钱包充值；
2.3.2 从您的钱包提现至您的银行账户；
2.3.3 提交付款指示：选择您想要办理的付款类型、选择您的付款方式、输入或选择金额及相关信息，然后在确认页面点击“发送”（或同等功能按钮）；
2.3.4 查看您的汇款历史记录；
2.3.5 购买数字内容：选择数字内容类型、选择您的付款方式、输入或选择接收方及您的目标发送账户、填写相关信息，然后在确认页面点击“发送”（或同等功能按钮）；
2.3.6 如功能可用，将钱包余额从一种货币兑换至另一种货币：选择要购买的货币、输入要兑换的货币金额，然后在确认页面（其中会显示适用的汇率）点击“确认”（或同等功能按钮）；以及
2.3.7 管理您对本服务的使用。
2.4 出于安全原因，我们可能会要求您重新输入安全凭证信息或以其他方式确认您的身份，以完成付款指示或访问本应用程序中的特定功能。
2.5 本应用程序的更新可能通过 App Store 或 Google Play 发布。视更新情况而定，您可能需要下载本应用程序的最新版本，才能通过本应用程序使用我们的服务。
3. 您的义务
3.1 您必须年满18 周岁方可使用本服务。
3.2 您仅可从官方渠道（如 Apple App Store 或 Google Play Store）下载本应用程序。通过您的设备访问本应用程序时，您应将设备浏览器更新至最新可用版本，使用操作系统提供商提供的定期安全更新修补设备的操作系统，并在设备上安装和维护最新的防病毒软件（如适用）。请勿从官方渠道以外的第三方网站下载和安装应用程序，尤其是未经验证且请求与其预期功能无关的设备权限的应用程序。
3.3 根据法律要求，我们必须对您进行安全审查及客户尽职调查。这可能包括核实您的地址和个人详细信息，以确认您的身份。我们可能会将您的个人信息传输给信用参考机构，此类机构可能会保留相关信息的记录。我们还可能核实接收方的身份。 您同意：
3.3.1 向我们提供有关您本人和接收方身份的准确、真实信息，以及我们所要求的任何身份证明文件；
3.3.2 在您的个人信息（包括您的地址）发生变动后及时进行更新；
3.3.3 配合我们的要求，提供所需的进一步信息及文件；以及
3.3.4 我们可直接或通过任何第三方进行我们认为必要的查询（包括查询商业数据库），以核实您向我们提供的信息。
3.4 您同意我们以提供本服务为目的，根据我们的《隐私政策》处理、传输及使用您的个人信息。
3.5 您必须尽一切努力通过以下方式妥善保管您的安全凭证信息，并防止本服务遭到未经授权的访问：
3.5.1 定期更改您的密码，并确保该密码不会被重复用于其他在线服务；
3.5.2 不向任何人（包括我们）透露您的安全凭证信息，若有人向您索要安全凭证信息，立即通知我们；
3.5.3 在系统提示时设置两步身份验证；
3.5.4 若您使用生物识别技术（如指纹或人脸识别）在本应用程序中进行操作验证，确保在本应用程序中仅注册和使用您本人的生物识别信息；
3.5.5 确保您的电子邮箱账户安全，若您的电子邮箱地址存在安全漏洞，立即通知我们；
3.5.6 若您怀疑您的安全凭证信息被盗取、丢失、未经授权使用或存在其它安全漏洞，立即联系我们。若发生此类情况，您应该更改您的安全凭证信息。。
3.6 如需快速与我们取得联系，请使用本应用程序“支持”部分和/或我们网站“联系我们”部分的联系方式。若未能及时将安全凭证信息丢失/存在安全漏洞的情况告知我们，您的账户和数据（包括您的付款方式）的安全性会受到影响，并可能导致您需要自行承担的财务损失。
3.7 您不得：
3.7.1 将我们的服务用于非法活动，包括但不限于洗钱、欺诈，以及为恐怖主义/扩散活动和/或相关组织提供资金；
3.7.2 将我们的服务用于与色情资料或色情服务、赌博活动，或买卖烟草、烟草相关产品、枪支、处方药或其他受管制物品相关的用途；
3.7.3 滥用我们的服务，如引入病毒、木马、蠕虫、逻辑炸弹或其他具有恶意或技术危害性的资料，或试图未经授权访问我们的网站、服务器、计算机或数据库；
3.7.4 在未获得我们事先书面许可的情况下，创建多个注册账户；
3.7.5 使用我们的服务进行投机交易；
3.7.6 使用本服务代他人进行汇款或发送数字内容；
3.7.7 发送或接收我们认为可能通过欺诈手段获得的资金；
3.7.8 允许他人使用您的安全凭证信息，进而通过本应用程序进行汇款或发送数字内容（若您发生这种行为，我们将视该操作由您本人完成，且对于该第三方滥用或泄露您的账户信息而导致您遭受的任何损失，我们不承担责任）；
3.7.9 提供虚假、不准确或具有误导性的信息；
3.7.10 拒绝就您向我们提供的任何信息，或我们为提供本服务而合理要求的额外资料（包括您本人或他人的身份证明文件）予以确认；或
3.7.11 拒绝配合我们就您使用本服务的情况可能开展的任何调查。
4. Taptap Send 付款服务
钱包充值与资金保管
4.1 钱包允许您持有、支出、发送、接收资金以及进行货币兑换。您可以采用我们不时支持的任一币种持有资金。如果您在钱包内将资金兑换为另一种货币，我们将在本应用程序中告知您当时适用的任何费用及汇率。
4.2 我们并非外汇交易平台，您不应将我们的服务用于外汇交易目的。若我们发现您将我们的服务用于投机活动，我们可能限制您可以兑换或汇款的金额。您同意并接受与维护可能持有多币种余额的账户相关的所有风险，包括因相关汇率随时间波动而产生的任何风险。
4.3 您可使用本应用程序中所接受的您本人名下付款方式关联账户为您的钱包充值。
4.4 我们将按照本协议，以单纯信托的方式为您（最终实益所有人）持有您钱包中的资金。 在适用法律允许的范围内，《2019 年信托法》（新西兰）的相关规定不适用于此类单纯信托。除我们在本协议中明示的义务（即以单纯信托方式为您持有资金）外，我们作为您钱包所持资金的单纯信托受托人，对您不承担任何其他信托义务。
4.5 您钱包中的资金将存放于我们在新西兰注册银行开立的独立信托账户（“信托账户”）中。您同意我们有权保留注册银行就信托账户资金所支付的任何利息。倘若提供信托账户的银行破产或未能履行其支付义务，您可能会损失部分或全部资金，对于发生这种情况所造成的任何损失，我们概不负责。
4.6 当您在钱包中将资金从一种货币兑换为另一种货币时，我们将收取任何适用的服务费，并采用兑换之时本应用程序列明的汇率。如果您钱包中持有多种不同的货币，我们将始终在单纯信托账户中为您持有相当于您钱包中显示的所有可用货币总余额的新西兰元等值金额。
4.7 我们可能会不时在信托账户中持有一部分自有资金，以确保信托账户中的资金不会低于您钱包中所显示资金的新西兰元等值金额。任何此类自有资金均归属于我们，您对该资金不享有任何权利，除非其被用于补足前述资金缺口。
办理汇款
4.8 如需在本应用程序中作出付款指示，您必须
4.8.1 提供汇款相关信息，包括接收方的全名、接收方的账户详情和身份信息以及汇款金额；
4.8.2 提供接收方账户的唯一标识信息（如账号或手机号码）；
4.8.3 选择您的付款方式；以及
4.9 向我们提供我们可能要求的、与付款指示相关的任何额外信息（如，企业接收方要求的特定参考号）。当您发起付款指示时，我们将向您提供披露信息，告知您我们将收取的服务费（如有）和任何适用的税费，以及您将获得的适用汇率。鉴于接收方的服务提供商所收取的费用及国外税费，接收方实际收到的金额可能会更少。
4.10 当您提交付款指示时，即表示您请求我们代表您处理该汇款，并同意执行汇款操作。根据下文第6 条规定，或在符合我们合法商业利益的其他情况下，我们可能选择不接受您的付款指示。
4.11 当您在确认页面点击“发送”时，即表示您授权我们按照您的付款方式扣除汇款金额、我们需收取的任何适用税费及任何服务费，并发起汇款，同时表示您同意我们进行上述操作。
4.12 在提交指示前，您必须确保您输入的所有详细信息均准确无误。如果您输入的详细信息有误，且汇款被发送至错误的账户，我们可能无法将其追回。在提交任何付款指示前，务必始终仔细检查所提供的付款详情。
4.13 一旦您点击“发送”，我们便会收到您的付款指示，并立即开始执行汇款。
4.14 无论您确认付款指示时是否为营业日，我们均会将该时间视为付款指示的接收时间。接收方所属服务提供商收到汇款的时间，取决于汇款所用货币及收款国家/地区。款项将在我们最快可实现的时间内转入接收方的账户。不同收款国家/地区的银行业务有所差异，如需了解款项何时存入接收方的账户，您需联系相应的服务提供商。尽管我们通常可快速完成汇款，但接收方的服务提供商最迟会在我们确认接受付款指示后的七个日历日内收到款项。若您的汇款在该期限内未完成，我们会在该期限结束后的三 (3) 个营业日内为您发起退款。
4.15 交易时间可能会延长，且会因接收方的服务提供商对法律或监管义务的遵守情况而受到影响。我们网站（或其他平台）所标注的交付时间仅代表“常规”/ 平均服务时间，并非对单笔汇款的时间保证。
4.16 若某笔汇款无法立即完成，我们将采取措施保障我们所持任何相关款项的安全。我们将按照与保管此类款项相关的监管义务来履行这一职责。
4.17 我们因持有汇款相关款项而获得的任何利息，均属于我们的财产并由我们保留。
4.18 在接受您的付款指示后，我们将向您提供相关信息，您可以借此识别该笔汇款；其中包含接收方详情、以汇款所使用货币表示的汇款金额详情、我们可能收取的任何服务费或服务提供商可能收取的任何费用、外币收款金额、汇率，以及收到付款指示的日期。
4.19 若您办理现金提取类汇款，但接收方在该笔现金首次可供提取之日起三十(30) 天内未提取，我们可能会取消汇款，并按照您所使用的付款方式将款项退回。具体退款事宜取决于我们的付款处理合作方设定的时间及条件。
4.20 对于特定服务，您可通过输入接收方及账户详情、汇款频率和金额来设置定期汇款。我们也可能要求提供其他信息。对于已预定在未来支付的汇款（如定期汇款），您可在款项应汇出当日的前一营业日结束前，随时在本应用程序中予以取消。
4.21 若涉及企业接收方，您确认知悉：
4.21.1 我们并非企业接收方的代理人；
4.21.2 对于您收到的、注明您应付企业接收方金额的发票或其他通知中存在的任何错误，我们概不负责；
4.21.3 我们并非您与企业接收方之间协议的一方，也不决定任何付款条款；
4.21.4 对于您使用我们的服务所支付的任何商品或服务的质量或交付情况，我们概不负责；
4.21.5 我们不负责调解您与企业接收方之间的纠纷，也不负责执行任何潜在的安排；
4.21.6 涉及企业接收方的发票/账单类汇款，仅在提供有效参考编号的情况下方可处理——若您提供的参考编号有误，汇款将发送至错误的账户，您将面临资金损失，我们无法为您追回该笔资金；以及
4.21.7 向我们支付汇款款项，在企业接收方实际收到该笔汇款之前，并不等同于向企业接收方完成付款；此外，企业接收方可能需要数个营业日，才能在其客户账户系统（如记录学生、患者或公用事业客户欠款情况的系统）中显示该笔付款。
5. Taptap Send 数字内容服务
发送数字内容
5.1 我们为您提供数字内容服务，以便您从我方购买数字内容，并将其发送至目标国家/地区的接收方账户。
5.2 若要通过本应用程序购买并发送数字内容，您必须：
5.2.1 选择您希望购买的数字内容类型及数量；
5.2.2 提供发送数字内容的目标账户相关信息；若您输入的详细信息有误，数字内容将发送至错误账户，且我们无法将其追回；
5.2.3 选择您的付款方式；以及
5.2.4 向我们提供我们所要求的任何额外信息。
5.3 在您被要求确认交易之前，您需要支付的总金额（包括所有适用税费和费用，如有）将在本应用程序上清楚呈现。
5.4 当您在确认页面点击“发送”时，即表示您授权我们按照您的付款方式进行扣款，并启动购买与发送操作。数字内容一经发送，则无法为您退款，且我们无法将其从您所发送对象的设备中移除。
5.5 数字内容将在我们最快可实现的时间内送达接收方的账户。尽管我们通常可快速交付数字内容，但接收方的服务提供商最迟会在我们确认接受您的指示后的七个日历日内收到该数字内容。当您的交易顺利完成后，我们将立即向您发送确认信息。
不可取消
5.6 当您发送数字内容时，即表示您明确要求并同意我们立即将数字内容发送至接收方的账户。一旦您确认您的订单，我们将开始发送数字内容，且该内容无法撤回或取消。您确认知悉，一旦要求我们发送数字内容，便无法予以取消。
数字内容条款与条件及推广活动
5.7 任何数字内容均带有其独立的条款与条件。在购买任何数字内容之前，您应查看任何相关条款和条件。服务提供商也会不时针对数字内容举办推广活动。此类推广活动须遵守本应用程序内所示的附加条款和条件。
5.8 对于服务提供商发布的条款与条件、举办的推广活动或数字内容本身，我们概不负责。
6. 我方拒绝、延迟、暂停或取消付款指示或服务的权利
限额
6.1 您同意，我们可就以下方面设置限额：(a) 可充值至您钱包的金额；(b)您可向接收方汇转的金额；或(c) 您可用于购买数字内容的金额。
6.2 我们可能基于单笔汇款或累计金额设置限额，也可能针对一组注册信息或一种付款方式，或多组关联的注册信息或多种付款方式设置限额。 我们还可能限制您在单次或特定时间段内可兑换的货币金额。
延迟
6.3 我们可能不时延迟或暂停某项服务，包括（但不限于）以下情形：
6.3.1 为核实您的身份，以响应我们收到的与您使用本服务相关的任何安全警报；
6.3.2 为验证您的付款指示或数字内容发送指示；
6.3.3 因我方服务提供商的系统中断；及/或
6.3.4 其他需遵守适用法律的情况。
6.4 我们将通过在我们网站或应用程序上发布相关信息，以此尽力维护有关服务提供商可用性的最新资讯。 网站和/或本应用程序中的内容可随时更改，恕不另行通知。
拒绝付款指示或暂停本服务
6.5 若我们认为存在以下情形，我们可能拒绝您的任何钱包充值或提现请求、拒绝任何付款指示，或暂停您对本服务的使用：
6.5.1 该操作将使您超出任何适用限额；
6.5.2. 该操作将违反本协议；
6.5.3 该操作未经授权（例如，他人试图在未获得您许可的情况下使用本服务）；
6.5.4 该操作涉及欺诈（包括我们怀疑您可能成为诈骗受害者的情形）；
6.5.5 您可能存在违法行为；
6.5.6 法律要求我们这样做；或
6.5.7 这样做符合我们的合法商业利益。
6.6 我们通常会在拒绝钱包充值/提现、拒绝付款指示或暂停您对本服务的使用之前或之后立即通知您，并说明我们这样做的理由。不过，倘若提供理由或任何相关信息会违反法律规定，或者会危及我们的安全措施，那么我们不会提供该等理由或信息。
7. 取消、退款与提现
取消
7.1 一旦收到您的付款指示，我们将立即执行汇款操作，您无权自动撤销付款指示（或更改付款指示详情）。我们将把我方实际收到您付款指示的时间，视为该付款指示的接收时间；通常情况下，该时间即为您确认付款指示的时间，无论此时是否为营业时间。
退款
7.2 您应定期查看您的交易历史记录，如果您认为某笔付款指示是在未经您许可的情况下作出，应立即联系我们。如果出现以下情况，您可在汇款发生后的六 (6) 个月内申请退款：
7.2.1 他人在未经您许可的情况下作出付款指示（受第7.4 条规限）；或者
7.2.2 我们在汇款操作中出现失误，包括未能按照您已确认的付款指示，及时将正确金额的款项汇给正确的接收方。
7.3 若法律要求，或您付款方式的发行方要求，我们也将对汇款进行退款。
7.4 若我们能够证明存在以下情形，我们可能会拒绝您的退款请求：
7.4.1 您存在欺诈行为；
7.4.2 您因故意或重大过失，未采取一切合理措施对您的安全凭证信息进行保密；
7.4.3 接收方已通过其在服务提供商的账户收到款项；或者
7.4.4 您向我们提供的付款指示（如接收方账户详情）有误。
7.5 如果适用法律或法规允许，在我们决定拒绝您的退款请求后的一(1) 个营业日内，我们将告知您：(i) 我们拒绝退款的理由；及 (ii) 纠正导致我们拒绝退款的任何事实错误的程序。
7.6 若您希望请求退还汇款，您应立即采取行动，且无论如何不得晚于汇款发生后十三(13) 个月。 . 汇款退还请求必须以书面形式（通过电子邮件）按照“关于我们”部分所列的联络详情予以提交，邮件中需提供发送方的全名、地址、电话号码，以及汇款编号、汇款金额和退款请求理由。
7.7 若我们已按照您的付款指示执行汇款，而您在付款指示中提供的信息有误，我们对您的损失概不负责。如有可能，我们会尽合理程度的努力追回款项。我们可能会就所付出的努力向您收取合理费用。
7.8 退款将自动存入为汇款提供资金的最新已知付款方式关联账号，其币种与为汇款提供资金的币种一致。我们可能会要求您提供额外信息以处理退款。在我们启动退款后，退款可能需要三 (3) 至十(10) 个营业日才能显示在您付款方式所关联账号中，具体取决于银行的处理时长。若十(10) 个营业日后您仍未查到退款，您应联系付款方式发行方了解更多信息。
7.9 对于用于支付账单或购买商品/服务的汇款，除非其属于上述第 7.2 条的情况，否则我们不负责退款。您能否获得退款，由您向其付款的企业接收方决定。因此，您应直接联系企业接收方，了解有关获得退款的更多详细信息。
数字内容
7.10数字内容一经发送，通常可立即使用，因此无法予以退款。在以下情形下，您可就数字内容的发送申请退款：我们在发送数字内容时出现失误，包括未按照您已确认的指示，将数字内容及时发送至正确的接收方账户，或未发送正确的数字内容；在该情形下，我们将在您提出请求后的三 (3) 个营业日内处理退款。
7.11 您就数字内容提出的退款请求，将按照本第 7 条中描述的关于汇款退款的同等义务予以处理。
钱包
7.12 您可通过本应用程序，请求退还您充值至钱包的全部或部分资金。推广积分不可办理退款。
7.13 若您请求退还钱包余额，余额将按照您请求退款当天本应用程序所提供的汇率，以新西兰元退还给您。
7.14 若您在本协议终止后超过六 (6) 年请求退还钱包余额，我们可能会予以拒绝。
钱包
7.15 您可通过本应用程序，请求退还您充值至钱包的全部或部分资金。推广积分不可办理退款。
7.16 若您请求退还钱包余额，余额将按照您请求退款当天本应用程序所提供的汇率，以新西兰元退还给您。
7.17 若您在本协议终止后超过六 (6) 年请求退还钱包余额，我们可能会予以拒绝。
8. 我们的责任8.1 我们将以应有的谨慎和专业态度为您提供本服务。您确认知悉，在特定地区、国家或司法管辖区，本服务可能全部或部分无法使用。
8.2 若我们在办理汇款或发送数字内容时出现失误，我们将向您退还汇款金额及已收取的任何服务费，或您为购买数字内容所支付的金额。您应定期查看您的交易历史记录，如果您认为汇款或数字内容的发送存在错误，应立即联系我们。
8.3 对于第7 条项下的退款或付款权利未涵盖的、与任何汇款或数字内容购买相关的损失，我们的责任上限为以下两者中的较高者：(i) 已向我方支付的任何服务费金额；或 (ii) 500 新西兰元。该赔偿责任上限适用于单次汇款/数字内容购买、作为/不作为或事件，也适用于任何次数的关联汇款/数字内容购买、作为/不作为或事件。
8.4 对于因以下情形导致的损害，我们概不负责：
8.4.1 因可合理认为是由于超出我们合理控制范围的异常且不可预见的情况而导致的未能履行本服务的任何情形，例如，可能包括因其他系统或网络（含我方服务提供商的系统或网络）问题、机械故障或数据处理故障而导致服务延迟或无法履行；
8.4.2 因您严重违反本协议，导致无法根据本服务向接收方付款或延迟付款，或无法执行汇款、发送数字内容；
8.4.3 因服务提供商的作为/不作为导致；
8.4.4 因我们履行任何适用法律、规则或法规项下的义务而导致；或者
8.4.5 因您或代表您行事的第三方向我们提供的信息不完整或不正确，而导致网站或本服务出现错误。
8.5 款项交付给接收方后（无论存入接收方账户，还是通过服务提供商领取），我们对该等款项不再承担责任。
8.6 我们所提供的服务仅限您用于个人及私人用途。
9. 协议变更
9.1 我们可出于以下任何原因对本协议进行变更：
9.1.1 应法律或监管要求发生变更；
9.1.2 变更对您有利，或我们认为变更将使本协议更易于理解；
9.1.3 为体现我们为您提供本服务的成本变化；
9.1.4 为体现我们业务运营方式的变化——尤其是在我们所属行业的变化影响我们希望向您提供本服务的方式，故而有必要作出该变更的情况下；
9.1.5 为应对与本服务相关的潜在安全风险；
9.1.6 由于我们正在变更或新增服务或产品；或者
9.1.7 为应对其他影响我们的变更，且将该变更的影响转移给您具有公平性。
9.2 我们无法预见您注册本服务时可能发生的所有情况，这意味着我们可能还需要做出其他变更。若进行此类变更，我们将在告知您变更事项时，说明其对您的影响。
9.3 对于出于以下目的所做的任何变更，我们将不迟于我们做出变更当天通知您：
9.3.1 为管理重大且紧急的风险（若我们这样做具有合理性），或出现与本协议相关的新增或调整政府收费的情况；或者
9.3.2 我们新增产品或服务，但未改变您现有服务的条款与条件；或者
9.3.3 我们减少您在本协议项下的义务。
9.4 对于所有其他变更，我们将在其生效前至少提前 30 天通知您本协议的变更内容。
9.5 若您不同意对本协议的拟议修订，您可以根据第 10.2 条通知我们，停止使用本服务并终止本协议。
9.6 本第 9 条项下的所有通知，将通过电子邮件发送至您提供的电子邮箱地址。
10. 终止协议
10.1 本协议将持续有效，直至您或我们将其终止。
10.2 您可随时按照“关于我们”部分所列的联络信息，以书面形式（电子邮件）联系我们终止本协议，且无需支付任何费用。
10.3 我们可在提前两 (2) 周发出通知的前提下，随时终止本协议以及您对本服务的访问权限。
10.4 若出现以下情形，我们可立即终止本协议以及您对本服务的访问权限，恕不提前通知：
10.4.1 我们有合理理由认为您正在以欺诈或非法方式使用本服务；
10.4.2 依据适用法律、法规、法院命令或监管机构指示，我们需要这样做；
10.4.3 您未向我们提供我们所需的任何信息，或我们有合理理由认为您提供的信息不准确或不真实；或者
10.4.4 您严重或持续违反本协议，并且在我们提出要求后，您未能在合理期限内纠正相关问题。
10.5 若法律允许，如我们终止本协议，我们将尽快通知您。
本协议终止后，我们将停止处理任何新的付款指示，并尽力为您提取您钱包中持有的任何款项。对于本协议终止时已提交但仍处于待处理状态的付款指示，我们将继续处理（但需遵循第 6 条中我方拒绝、延迟、暂停或取消付款指示的权利）。协议终止后，您对我们的付款义务仍将持续有效。
11. 投诉
11.1 若您对我们或本服务有任何投诉意见，您可以参照我们的“投诉常见问题解答”与我们联系。
11.2 若您就使用本服务有投诉意见，请通过“关于我们”部分所示的联络信息向我们发送电子邮件。我们将在收到投诉后的五 (5) 个营业日内确认已收到该投诉，并向您提供：
11.2.1 我们的客户投诉表格副本；
11.2.2 负责处理投诉的人员联系方式；以及
11.2.3 我们的投诉处理流程的主要详情。
11.3 我们将尽最大努力尽快解决您的投诉，并在收到投诉后的三十(30) 个营业日内通过电子邮件向您发送最终回复。在特殊情况下，若因超出我们控制范围的原因导致我们需要更多时间来回复，我们将在收到您投诉后的三十 (30) 个营业日内发送一封邮件（“延期邮件”），以告知您延迟的原因及您将收到我们最终回复的时间。最终回复的时间将不晚于延期邮件发送之日起的三十五 (35) 个营业日。
11.4 如果您对我们的答复不满意，您可以将您的问题反馈至外部争议解决机构——FinancialServices Complaints Limited。FinancialServices Complaints Limited 提供免费且独立的争议解决服务。您可以通过以下方式联系 Financial Services Complaints Limited：
电话：0800 347 257
电子邮件：complaints@fscl.org.nz
地址：Financial Services Complaints Limited,PO Box 5967, Wellington 6140
网址：www.fscl.org.nz
12. 费用与汇率12.1 您必须支付任何适用的服务费。我们的服务费及实时汇率可在我们的网站和本应用程序中查看。服务费应在您提交付款指示或数字内容购买与发送指示时支付，且在法律允许的范围内，该费用不予退还。在您被要求确认付款指示或发送数字内容之前，我们将在本应用程序中告知您必须支付的确切金额。
12.2 我们的汇率是指我们为相关货币对及服务设定的汇率，该汇率通常会逐日变动。对于某些货币，我们买入外币的汇率与提供给您的汇率之间会存在差异，此差异旨在覆盖我们的成本。
12.3 若您办理汇款、为钱包充值或为数字内容付款时，所使用的货币不同于您付款方式的记账货币（例如，您以新西兰元付款，以接收等值的其他货币金额），我们将采用我们的标准汇率（该汇率可能随时变动）并收取该兑换相关的任何适用服务费，具体以兑换时本应用程序中显示的信息为准。
12.4 其他方可能会向您收取税费、手续费或其他费用——比如您使用特定付款方式为汇款提供资金、为钱包充值或从钱包提现的情况（如未授权透支费）。
12.5 其他方可能会向接收方收取税费、手续费或其他费用——比如服务提供商可能会收取汇款提现费。我们可能会为您提供汇转额外资金的选项，以便覆盖该笔费用。
12.6 您所采用的付款方式可能会赋予您拒付权利。您同意，您不会因我们无需负责的事由（如您与接收方之间的纠纷）而请求拒付。我们可能会向您收取与您的拒付相关的合理成本。
13. 知识产权
13.1.对Taptap Send 网站、应用程序、服务和所有相关内容（以及在其中）所享有的全部权利（包括所有知识产权），均归我方或我方关联公司所有，或已由我方或我方关联公司取得授权。您应查阅规范数字内容使用的任何第三方条款和条件。
13.2 在您遵守本协议的前提下，我们授予您一项非独占性、仅限个人使用、免许可费、可撤销、不可转让且不可分授的许可，以便您仅为实现本协议允许的目的，遵照 Taptap Send 网站（请注意，我们可能出于自身合法商业利益而不时对网站进行更新）所述的方式，访问并使用 Taptap Send 网站、本应用程序、本服务及所有相关内容。
13.3 除第 13.2 条明确规定，或《1994 年版权法》或其他适用法律允许的情形外，若无我们的明确书面许可，您不得以任何形式、任何方式对 Taptap Send 网站、本应用程序、本服务或任何相关内容（包括其任何部分）实施以下行为：复制；拷贝；转发；下载；展示；存档；镜像操作；再发行；修改；改编；重制；基于其创作衍生作品；参与其转让或销售；发布；或以任何方式再分发或利用。
13.4 您不得：
13.4.1 使用任何机器人、爬虫、抓取工具或其他自动化设备访问Taptap Send 网站、本应用程序、本服务或任何相关内容；或
13.4.2 移除或更改 Taptap Send 网站（或网站打印页面）、本应用程序或任何相关内容上显示的任何版权、商标、服务标志或其他所有权声明、标志或图例。“Taptap Send”这一名称，以及Taptap Send 网站、本应用程序或任何相关内容中提及的、属于Taptap Send 产品及服务（包括本服务）的其他名称及所有权标志，均为我们的专有标识或其他第三方的专有标识，因此您不得以任何方式使用、复制或重制。Taptap Send 网站、本应用程序或任何相关内容中出现的其他产品、服务及公司名称，可能是其各自第三方所有者的商标，因此您不应以任何方式使用、复制或重制。
13.5 除第13.2 条明确规定外，Taptap Send 网站、本应用程序、本服务或任何相关内容中的任何内容，均不构成对 Taptap Send 或任何第三方知识产权的许可（无论明示、暗示或通过其他方式）。如需使用任何第三方内容，您必须寻求相关版权持有者的许可。
13.6 您不得以侵犯我方、我方关联公司或第三方的知识产权或任何其他权利的方式，使用Taptap Send 网站、本应用程序、本服务或任何相关内容。
14. 电子通信
14.1 您确认知悉，本协议以电子形式签订，且以下类别的信息（“通信”）可通过电子形式提供：
14.1.1 本协议及其任何修订、修改或补充；
14.1.2 您使用本服务产生的汇款历史记录；
14.1.3 就本服务所提供的任何初始、定期或其他披露或通知，包括但不限于法律要求的披露或通知；
14.1.4 任何客户服务通信，包括但不限于与错误申诉或本服务未授权使用相关的通信；以及
14.1.5 与本服务或我们相关的任何其他通信（市场营销或推广类通信除外）。
14.2 本服务不支持以纸质形式或其他非电子形式提供通信。您可撤回以电子形式接收通信的同意，但一旦撤回，您将无法继续使用本服务。如需撤回您的同意，您必须通过电子邮件与我们联系。
14.3 协议副本：您可随时通过本应用程序或我们的网站查看本协议。在您首次注册本服务时，我们将通过电子邮件向您发送本协议条款的副本。您也可以随时要求我们通过电子邮件向您发送该等条款（包括任何修订内容）的副本。
14.4 汇款历史记录：我们将每月向您提供的电子邮件地址发送邮件，以通知您月度汇款历史记录已准备就绪，可通过本应用程序查看。您也可从本应用程序下载汇款历史记录，以供自己留存。
14.5 安全事宜：若由于疑似或实际发生的欺诈行为或安全威胁需与您联系，我们会拨打您的手机号码或发送短信至该号码。
14.6 应用程序：若本应用程序上的信息与我们网站上的信息存在冲突，应以本应用程序上的信息为准。
15. 一般条款
15.1 规限法律：本协议受新西兰法律规限，如有争议，新西兰法院拥有专属管辖权。15.2 无第三方权利：本协议中所表述或提及的任何内容，均不得被诠释为赋予除本协议各方以外的任何人士依据本协议或本协议任何条款而享有的任何法律上或衡平法上的权利、救济或索赔。本协议及其所有条款仅为保障本协议各方及其继承人与获准受让人的独有和专属利益。15.3 语言：本协议的语言为英文。与之有关的所有通信均采用英文。如果您选择以英语以外的语言使用本应用程序，即表示您同意以该语言或英语提供通信。尽管我们尽最大努力翻译本应用程序及其他通信内容，但最终以英文版本的解释为准。15.4 弃权：若您违反本协议，而我们未行使自身权利或延迟行使权利，这不会妨碍我们日后行使该等权利或任何其他权利。15.5 权利转让：未经我们事先同意，您不得转让您在本协议项下的任何权利或义务。我方可随时转让或让渡本协议（及/或我们在本协议项下的任何权利及/或义务），且无需获得您的同意。15.6 可分割性：若本协议任何条款被认定为无效、非法或不可执行，其余条款的效力不受任何影响，且您同意接受该等条款的替代安排。
Version 3
Date published: 3 May 2024
WHY THIS INFORMATION IS IMPORTANT
This is the User Agreement for the Taptap Send mobile application (the “App”) and our services. It also sets out other important things you need to know.
This User Agreement, along with the Privacy Policy, eCommunications Policy and any other terms and conditions that apply to our services, form a legal agreement (the “Agreement”) between:
- you, the user (“you”); and
- us, TapTap Send Payments Co (“Taptap Send” or “we”, “us”, “our”).
By signing up for the services and using the App, you are accepting and agreeing to be bound by the Agreement. We provide our services to you through the App. We may provide information and/or our services in other ways too, like through web pages. Our Agreement applies whenever and however you access our services or other information. You can at any time, and at no cost, stop using the App by deleting it or ending the Agreement (see Section 10).
If you participate in any rewards programme you agree to be bound by any separate terms and conditions (for example, our Referral Program).
About us
We are a Delaware corporation registered as a money services business with the Financial Crimes Enforcement Network (“FinCEN”) (registration number 31000180079144) and with money transmitter licences (or the statutory equivalent) in various U.S. states and jurisdictions. A list of licences held by Taptap Send is available here.
Our contact details are: TapTap Send Payments Co., 251 Little Falls Drive, Wilmington, Delaware 19808.
The best way to contact us is by phone, email (support@taptapsend.com) or Whatsapp. Please see the “Support” section of the App or the “Contact Us” section of our website for more details.
1. DEFINITIONS
- “App” means the Taptap Send mobile application.
- “Business Recipient” means businesses, including but not limited to suppliers, educational institutions, utility providers, hospitals and associated healthcare facilities.
- “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.
- “Error” has the meaning set out in Section 7.
- “Payment Instruction” means a specific instruction from you requesting us to effect a Transfer.
- “Payment Method” means a valid instrument of payment used to initiate a Payment Instruction or to pay for Digital Content, such as a debit card.
- “Payment Services” means the provision of 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 the Payment 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.
- “Transfer” means the transfer of money through the Payment Services.
- “Transfer History” means the record of your Transfers and purchases of Digital Content on our App, which you may access using your email and Password registration details.
2. USING THE SERVICES
2.1. The Services allow you to:
2.1.1. send international remittances to Recipients via selected Service Providers in Destination Countries; and
2.1.2. purchase Digital Content from us to send it via selected Service Providers to a Recipient.
2.2. To register for the Services, download the App (e.g. from the Apple App Store or Google Play) and follow the instructions.
2.3. Once you have registered for the Services and have logged into the App, you can:
2.3.1. 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;
2.3.2. view your Transfer History;
2.3.3. 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; and
2.3.4. manage your use of the Services.
2.4. For security reasons, we may require you to re-enter your Security Details or otherwise confirm your identity to finalise Payment Instructions or access certain functions in the App.
2.5. Updates to the App may be issued through App Store or Google Play. Depending on the update, you may not be able to use our Services via the App until you have downloaded the latest version of the App.
3. YOUR OBLIGATIONS
3.1. You must be 18 years old to use the Services.
3.2. We are required by law to carry out security and customer due diligence checks on you (and other parties for example, the Recipient) in order to provide our Services. We may verify your residential address and personal details to confirm your identity. We may also pass your personal information to a credit reference agency, which may keep a record of that information. We may also need to verify the identity of a Recipient in the same way. All information provided by you will be treated securely and strictly in accordance with our Privacy Policy. You agree:
3.2.1. to provide us with accurate and truthful information about your and the Recipient’s identity and any identity documents we ask for;
3.2.2. to promptly update your personal information (including your address) if it changes;
3.2.3. to comply with any requests for further information and documents we require ; and
3.2.4. that we may, directly or through any third party, make any inquiries we consider necessary to validate the information you provided to us, including checking commercial databases or credit reports.
3.3. You consent to us processing, transmitting, and using your personal data for the purposes of providing the Services. Please see our Privacy Policy.
3.4. You must make every effort to keep your Security Details safe and prevent unauthorised access to the Services by:
3.4.1. changing your password regularly and ensure that it is not reused for other online services;
3.4.2. not sharing your Security Details with anyone, including us, and letting us know immediately if anyone asks you for your Security Details;
3.4.3. setting up 2-step authentication where prompted;
3.4.4. if you use biometrics (e.g. fingerprint or face identification) to authenticate actions in the App, make sure only your biometrics are registered and can be used in the App;
3.4.5. keeping your email account secure and letting us know immediately if your email address becomes compromised; and
3.4.6. 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.
3.5. To contact us quickly, use the details in the “Support” section of the App and/or the “Contact us” section of our website. Any delay in telling us affects the security of your account and data (including your Payment Method) and makes you responsible for any financial losses.
3.6. You must not:
3.6.1. 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 organisations;
3.6.2. 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;
3.6.3. misuse our Services by introducing viruses, trojans, worms, logic bombs or other materials which are malicious or technologically harmful or attempt to gain unauthorised access to our Website, our servers, computers or databases;
3.6.4. create more than one registration without our prior written permission;
3.6.5. use our Services for speculative trading;
3.6.6. use the Services to send Transfers or Digital Content on behalf of someone else;
3.6.7. let someone else use your Security Details and send Transfers or Digital Content through the App (if you do this we’ll 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 third party);
3.6.8. provide false, inaccurate, or misleading information; or
3.6.9. refuse to provide confirmation of any information you provide to us, including proof of identity, or refuse to co-operate in any investigation.
4. TAPTAP SEND PAYMENT SERVICES
4.1. To make Payment Instructions in the App, you must:
4.1.1. provide information about your Transfer including the full name of the Recipient, the Recipient’s account details and the amount to be transferred;
4.1.2. provide the unique identifier for the Recipient’s account (e.g. the account number or mobile number);
4.1.3. select your Payment Method; and
4.1.4. 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).
4.2. 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.
4.3. 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.
4.4. When you click “Send” on the confirmation page you authorise 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 authorise 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.
4.5. You must make sure all the details are accurate before submission. If you enter the wrong details you will send the Transfer to the wrong account and lose your money, we may not be able to get it back.
4.6. 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.
4.7. 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 ‘data available’ on your receipt).
4.8. 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.
4.9. 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 Consumer Financial Protection Bureau should you wish to complain about our services.
4.10. 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.
4.11. For Business Recipients, you acknowledge that:
4.11.1. we are not an agent of the Business Recipient;
4.11.2. we are not responsible for any mistakes in the invoices or other notifications you receive that indicate the amounts you owe the Business Recipients;
4.11.3. we are not party to agreements between you and the Business Recipient and do not determine any payment terms;
4.11.4. we are not responsible if you do not complete a payment to a Business Recipient;
4.11.5. we are not responsible for the quality or delivery of any goods or services you pay for using our Services;
4.11.6. we are not responsible for mediating disputes or enforcing any underlying arrangements you have with a Business Recipient;
4.11.7. 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
4.11.8. 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).
5. TAPTAP SEND DIGITAL CONTENT SERVICES
Sending Digital Content
5.1. We provide Digital Content Services for you to buy Digital Content from us and send it to a Recipient’s account in a Destination Country. This is not a money transmission service.
5.2. To buy and send Digital Content using the App, you must:
5.2.1. select the type and amount of Digital Content you wish to buy;
5.2.2. provide information about the account which the Digital Content will be sent to, if you enter the wrong details you will send the Digital Content to the wrong account and we will not be able to recover it;
5.2.3. select your Payment Method; and
5.2.4. provide us with any additional information we request.
5.3. The total amount (inclusive of all applicable taxes and charges) that you will be required to pay will be displayed clearly on the App before you are asked to confirm your transaction.
5.4. When you click “Send” on the confirmation page you authorise us to debit your Payment Method and initiate the purchase and send. Once Digital Content is sent it can’t be refunded to you or removed from the device of the person you sent it to.
5.5. There may be a short delay between you sending the Digital Content and it being delivered to the Recipient account. We will send you a confirmation of the Digital Content Service as soon as your transaction has been successfully completed.
No cancellation
5.6. When you use our Digital Content Services, you expressly request and consent to us immediately sending the Digital Content to the Recipient’s account. Once you confirm your order, we start to send the Digital Content and it cannot be recalled.
Digital Content T&Cs and Promotions
5.7. Any Digital Content purchased through the Digital Content Services will have its own terms and conditions. You should check any terms and conditions before purchasing any Digital Content. From time to time, we or Service Providers will run promotions on the Digital Content. These promotions will be subject to additional terms and conditions that will be displayed in the App.
5.8. We are not responsible for the terms and conditions or promotions run by Service Providers.
6. OUR RIGHT TO REFUSE, SUSPEND OR CANCEL A PAYMENT INSTRUCTION OR THE SERVICES
Limits
6.1. You agree that we may apply limits to the amount you are able to send to Recipients or use to purchase Digital Content.
6.2. 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 Instruments.
Delays
6.3. We may delay or suspend a Service including (but not limited to):
6.3.1. to verify your identity to respond to any security alerts which we receive in relation to your use of the Services;
6.3.2. to validate your Payment Instruction or instruction to send Digital Content;
6.3.3. due to system outages within our Service Providers; and/or
6.3.4. otherwise to comply with applicable law.
6.4. 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
6.5. We may refuse any request any Payment Instruction, or suspend your use of the Services if we believe that:
6.5.1. it would put you over any applicable limits;
6.5.2. it would break this Agreement;
6.5.3. it is unauthorised (e.g. someone else is trying to use the Services without your permission);
6.5.4. it is fraudulent (including where we suspect that you may be a victim of a scam);
6.5.5. you may be acting illegally; or
6.5.6. we are required to do so by law.
6.6. 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.
7. YOUR RIGHT TO CANCEL; REFUNDS; ERRORs
Cancellation
7.1. 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.
7.2. 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 About 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, Transfer amount, and the reason for your refund request. 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 cancelled Transfer, including any Service Fee (and taxes charged by us unless prohibited by law) within three (3) business days of your request to cancel your Transfer.
Refunds
7.3. We will also refund a Transfer if required by law, or if the issuer of your Payment Method requires it.
7.4. However, we may refuse your request for a refund if we can show that:
7.4.1. you have acted fraudulently;
7.4.2. you intentionally or with gross negligence did not take all reasonable steps to keep your Security Details secret;
7.4.3. the Recipient received the money into their account at the Service Provider; or
7.4.4. there was a mistake in the Payment Instruction (e.g. the Recipient’s account details) which you gave us.
7.5. If we have executed the Transfer in accordance with the instructions you have provided to us, and that information proves to have been incorrect, we are not liable for the incorrect execution of the Transfer. We will however make reasonable efforts to recover the funds. We may charge you a reasonable fee, reflective of our efforts, to do so.
7.6. 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. Refunds may take anywhere from three to ten business days to show up on your Payment Method 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 Payment Method issuer for more information.
7.7. 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 7.3 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.
Error resolution
7.8. If there is an “Error,” as such term is defined in 12 C.F.R. § 1005.33(a), 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 Transfer, or our mistakenly providing the wrong Payment Amount to the Recipient.
7.9. If you think there has been an Error 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).
7.10. 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.
Digital Content
7.11. Once Digital Content is sent, it can normally be used immediately and therefore cannot be refunded or cancelled.
8. OUR RESPONSIBILITY
8.1. 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.
8.2. Except to the extent otherwise provided by the Electronic Fund Transfer Act and the Remittance Transfer Rule thereunder, 12 C.F.R. § 1005.30 et seq., you agree to indemnify and hold us, Service Providers, and their respective subsidiaries, officers, agents, partners, and employees harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the Service, your connection to the Service, your violation of the Agreement, or your violation of any rights of another.
8.3. 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.
8.4. We do not, in any event, accept responsibility for damages as a result of:
8.4.1. 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;
8.4.2. 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;us meeting our obligations under any applicable laws, rules or regulations;
8.4.3. a Service Provider;
8.4.4. us meeting our obligations under any applicable laws, rules, or regulations; or
8.4.5. errors on the website or with the Services caused by incomplete or incorrect information provided to us by you or a third party.
8.5. 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).
8.6. 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 15 U.S.C. § 1693m(a).
9. CHANGES TO THE AGREEMENT
9.1. 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.
9.2. If we change the Agreement in a way that reduces your rights or increases your responsibilities for existing services we will provide you with 30 days’ prior notice on the ‘User Agreement’ page of our website.
9.3. 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.
10. ENDING THE AGREEMENT
10.1. This Agreement will continue until you or we end it.
10.2. You can end this Agreement at any time free of charge by contacting us in writing (by email) at the details in the About Us section.
10.3. We can end this Agreement and your access to the Services at any time, with two (2) months’ notice.
10.4. We can end this Agreement and your access to the Services without prior notice if:
10.4.1. we reasonably believe you are using the Services fraudulently or illegally;
10.4.2. we are required to do so by applicable law, regulation, court order or regulator instructions;
10.4.3. 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
10.4.4. 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.
10.5. We will inform you if we end the Agreement immediately as soon as we can, if the law allows.
10.6. When this Agreement ends, we will stop processing any new Payment Instructions. 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.
11. HOW YOUR MONEY IS PROTECTED
11.1. 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.
12. COMPLAINTS/COMPENSATION
12.1. 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 About Us section.
12.2. 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.
12.3. If you are unhappy with our response, you may be entitled to refer your complaint to the Consumer Financial Protection Bureau (the “CFPB”), details of which are available at https://www.consumerfinance.gov/ask-cfpb. You can also call them at (855)-411-CFPB. Please note that the ombudsman may not consider a complaint if you have not provided us with the opportunity to resolve it previously.
12.4. Except for complaints about Digital Content Services, you may be able to submit your complaint to your state banking department. Information relating to your state banking department’s contact details is available on your Receipt.
13. FEES AND EXCHANGE RATES
13.1. 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.
13.2. 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.
13.3. When you make Transfers 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 at the time of conversion.
13.4. Others might impose taxes, fees or charges on you, e.g. for use of a particular Payment Method to fund a Transfer (e.g. unauthorised overdraft fees).
13.5. 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.
13.6. 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.
14. INTELLECTUAL PROPERTY
14.1. 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.
14.2. The App and the Services may be used only for the purposes permitted by this Agreement or described on the website. You are authorised solely to view and to retain a copy of the pages of the Taptap Send 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.
15. ELECTRONIC COMMUNICATIONS
15.1. You acknowledge that this Agreement is entered into electronically, and that the following categories of information (“Communications”) may be provided by electronic means:
15.1.1. this Agreement and any amendments, modifications or supplements to it;
15.1.2. your Transfer History through the Services;
15.1.3. any initial, periodic or other disclosures or notices provided in connection with the Services, including without limitation those required by law;
15.1.4. any customer service communications, including, without limitation, communications with respect to claims of error or unauthorised use of the Services; and
15.1.5. any other communication related to the Services or us.
15.2. 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.
15.3. 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.
15.4. 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.
15.5. 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.
15.6. 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.
16. GENERAL
16.1. Governing Law: This Agreement is governed by the laws of the State of New York.
16.2. 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.
16.3. 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.
16.4. Language: This Agreement is made in English. English is the language that we’ll communicate with you in (unless otherwise required by law).
16.5. 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.
16.6. Transfer of rights: You may not transfer any of your rights or obligations under this Agreement. We may transfer or assign this Agreement and/or any of our rights and/or obligations this Agreement at any time without your consent.
16.7. Entire Agreement: This Agreement is the entire agreement between us. It replaces any earlier understandings, agreements, or discussions between us about the subject matter of this Agreement.
16.8. 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.