Terms and Conditions

THE YAYEH INSTNAT SERVICES LTD. ("YAYEH.CO.UK") MONEY TRANSFER SERVICE IS SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS:

In the event there is any inconsistency between the English version of our web site and any other language version, the English version shall be binding.

A Yayeh Instant Services Ltd. ("yayeh.co.uk") Money Transfer customer (the "Sender") may send a Money Transfer to a designated receiver (the "Receiver") anywhere in the world where Yayeh Instant Services Ltd. ("yayeh.co.uk") offers its services over the Internet (the "Service") using Sofortbanking or any other electronic payment method ("Payment Method"). Money Transfers will normally be paid to the Receiver in cash or bank deposit. Money Transfers are available for pick up by the Receiver promptly after validation of Sender information which may take up to 24 hours, on a "Will Call" basis, at Yayeh Instant Services Ltd. ("yayeh.co.uk") agent locations in the destination country. Certain money transfer services, transfers that exceed certain principal amounts, and/or transfers to certain destinations may take longer or be subject to additional restrictions. For certain international destinations, a Test Question is required to be provided for some or all Money Transfers to that destination, and in those destinations, the Receiver may be required to provide either proper identification or the correct answer to the Test Question, or both, to receive payment. Please contact Yayeh Instant Services Ltd. ("yayeh.co.uk") at the Customer Service telephone number listed below for current information regarding the availability of Test Questions for your selected destination. Yayeh Instant Services Ltd. ("yayeh.co.uk") reserves the right to limit the principal amount of a Money Transfer, or to decline to accept or pay any Money Transfer that it or its agents determine in their sole discretion violates any applicable law or Yayeh Instant Services Ltd. ("yayeh.co.uk") policy. Please contact Yayeh Instant Services Ltd. ("yayeh.co.uk") at the Customer Service telephone number listed below for current information regarding the conditions applicable to the service you have selected or your expected payment location. When required by applicable law, Money Transfers sent or received in The United Kingdom will be reported to federal, provincial, local and/or foreign authorities. You will be required to provide Yayeh Instant Services Ltd. ("yayeh.co.uk") with certain information to allow us, among other things: to verify your identity; to receive appropriate Payment Method authorization; and/or to complete the transaction. Please refer to Yayeh Instant Services Ltd. ("yayeh.co.uk")'s Online Privacy Statement for information concerning Yayeh Instant Services Ltd. ("yayeh.co.uk") use of this and other personal information.

FEES, PAYMENT AND CURRENCY EXCHANGE

Transfer Fees. In consideration for the use of the Service, you agree to pay to Yayeh Instant Services Ltd. ("yayeh.co.uk") a fee for each Money Transfer initiated by you at the applicable rate then in effect (the "Transfer Fee"). The applicable Transfer Fee for your transaction will be provided to you prior to your final authorization of the transaction, in addition to any applicable fees for additional services.

Currency Exchange. All payments will be made in the currency of the destination country (except in a limited number of instances where payment can be made in the sending currency). In addition to the transfer fees applicable to this transaction, a currency exchange rate will be applied. British Pound is converted to foreign currency at an exchange rate set by Yayeh Instant Services Ltd. ("yayeh.co.uk"). Any difference between the rate given to customers and the rate received by Yayeh Instant Services Ltd. ("yayeh.co.uk") will be kept by Yayeh Instant Services Ltd. ("yayeh.co.uk") (and, in some cases, its international agents) in addition to the Transfer Fees. Any refund in the event of non-payment will be made at the applicable exchange rate as described above in effect at the time of reconversion into British Pound. For information concerning the current currency exchange rates provided by Yayeh Instant Services Ltd. ("yayeh.co.uk") to its customers call +44 0208 519 0007.

Payment. Transfer fees and the principal amount are due and payable before Yayeh Instant Services Ltd. ("yayeh.co.uk") processes the transaction. You must pay for the Service with your Payment Method. If Yayeh Instant Services Ltd. ("yayeh.co.uk") does not receive authorization from the Payment Method issuer, the transaction will be not be processed and funds will not be transmitted to the Receiver. Yayeh Instant Services Ltd. ("yayeh.co.uk") assumes no liability for damages resulting from or arising out of non-payment of the Money Transfer by reason of non-receipt of authorization from the Payment Method issuer. Each time you use the Service you agree that Yayeh Instant Services Ltd. ("yayeh.co.uk") is authorized to charge your designated Payment Method account for the principal amount, the transfer fee and any other applicable fees. (Your agreement with your Payment Method issuer governs use of your Payment Method, and you must refer to that agreement to ascertain your rights and liabilities as a user of your Payment Method, which may include a "cash advance" fee.)

REFUNDS

REFUNDS OF PRINCIPAL AMOUNT and cancellation of the Money Transfer will be made upon written request of the Sender if payment to the Receiver has not yet been made at the time the request is processed by Yayeh Instant Services Ltd. ("yayeh.co.uk"). Refunds will be made within 45 days of receipt of a valid written request from the Sender. REFUNDS OF FEES will be made upon written request of the Sender if the Money Transfer is not available to the Receiver within the time specified by Yayeh Instant Services Ltd. ("yayeh.co.uk") for the selected service, subject to the business hours of the location selected by the Receiver for payment and other special conditions. Refunds will be made within 45 days of receipt of a valid written request from the Sender.

SPECIAL SERVICES

TELEPHONE NOTIFICATION to the Receiver that the Money Transfer is available for pick up is offered in The United Kingdom and certain international destinations. MESSENGER DELIVERY of a Money Transfer cheque is available to selected international destinations. SUPPLEMENTAL MESSAGES may be included with domestic and most international Money Transfers.

ADMINISTRATION CHARGE

If a Money Transfer is not picked up by the Receiver or is not cancelled by the Sender prior to pick up within one (1) year of the date it was sent, there will be a non-refundable administration charge where permitted by law. The administration charge will be deducted from the principal amount of the Money Transfer. The administration charge is ONE (1) British Pound per month from the date the Money Transfer was sent, but not more than Twenty Five (25) British Pounds.

RESOLUTION OF DISPUTES

YAYEH INSTANT SERVICES LTD. SHALL EXERCISE ITS BEST EFFORTS TO RESOLVE ANY DISPUTES THAT ARISE BY OUR CUSTOMERS. THE FOLLOWING ESCALATION PROCEDURES WILL BE USED TO RESOLVE ANY ISSUES AND DISPUTES:
Step 1 – Contact Customer Service
Step 2 – Contact the Management Office
Step 3 – Contact the Office of the President

If you remain unsatisfied with the resolution of your complaint after following the above escalation process, FCA, HMRC, Consumer Direct, Office of Fair Trading or Financial Ombudsman Service (FOS) may be able to help you.

You can contact the Financial Ombudsman Service at:
The Financial Ombudsman Service
South Quay Plaza, 183 Marsh Wall
London E14 9SR

Phone: 08000234567 or 03001239123
E-mail: complaintinfo@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk

Financial Ombudsman Service will only deal with complaints about problems that occurred within the UK or acts and omission by the FCA authorised payment service provider within the EEA. If you have a complaint about problems that occurred outside the UK and/or acts and omission by a non-FSA authorised entity, you may refer your complaint to the local ombudsman where the problem occurred and follow the local out of court and redress procedures to register your complaint.

Any dispute or claim arising from or relating to this Money Transfer that involves a claim by Sender for less than $10,000, exclusive of interest, arbitration fees and costs, can be settled by arbitration administered by the UK Advisory, Conciliation & Arbitration Service ("ACAS") under its Arbitration Rules for the Resolution of Consumer Related Disputes. Any other dispute or claim arising from or relating to this Money Transfer shall be settled by arbitration administered by the ACAS under its Commercial Arbitration Rules, with such arbitration to be held in the most populous city in the province from which the Money Transfer was sent, or in such other location as the parties may mutually agree. Each party shall bear its own lawyer, expert and witness fees, which shall not be considered costs of arbitration. Judgment on any award rendered by the arbitrator may be entered in and enforced by any court having jurisdiction thereof. The parties agree that neither of them shall have the right to participate as a representative or a member of any class of claimants pertaining to any claim subject to arbitration under this paragraph and that claims of third parties shall not be joined in any arbitration between the parties. If any portion of this paragraph is deemed invalid or unenforceable, it shall not invalidate the remaining portions of this paragraph. THE PARTIES ACKNOWLEDGE AND AGREE THAT, EXCEPT AS EXPRESSLY PROVIDED IN THIS PARAGRAPH, THEY ARE WAIVING ALL RIGHTS TO A TRIAL BY COURT OR JURY AS A MEANS OF RESOLVING ANY DISPUTES ARISING OUT OF OR RELATING TO THIS MONEY TRANSFER.

LIMITATION OF LIABILITY

IN NO EVENT SHALL YAYEH INSTANT SERVICES LTD. ("YAYEH.CO.UK") BE LIABLE FOR DAMAGES FOR DELAY, NONDELIVERY, NONPAYMENT OR UNDERPAYMENT OF THIS MONEY TRANSFER, OR ANY SUPPLEMENTAL MESSAGE, WHETHER CAUSED BY NEGLIGENCE ON THE PART OF ITS EMPLOYEES OR AGENTS OR OTHERWISE, BEYOND THE SUM OF $500 (in addition to refunding the principal amount of the Money Transfer and the fees), unless the Sender has obtained a higher liability limit by calling the telephone number set out at the bottom of this form and paying an additional charge therefore. IN NO EVENT WILL YAYEH INSTANT SERVICES LTD. ("YAYEH.CO.UK") BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES. THESE CONDITIONS CANNOT BE CHANGED OR SUPPLEMENTED ORALLY.

YAYEH INSTANT SERVICES LTD. ("YAYEH.CO.UK") AND ITS AGENTS RESERVE THE RIGHT TO DECLINE TO SEND OR REFUSE TO PAY ANY MONEY TRANSFER THAT EITHER OF THEM DETERMINES IN THEIR SOLE DISCRETION VIOLATES ANY APPLICABLE LAW OR YAYEH INSTANT SERVICES LTD. ("YAYEH.CO.UK") POLICY.

CONTACT US

BY MAIL:
YAYEH INSTANT SERVICES LTD.
517 KATHERIN ROAD
FOREST GATE
LONDON
E7 8DR
UNITED KINGDOM

BY TELEPHONE:
+44 0208 519 0007

BY EMAIL:
INFO@YAYEH.CO.UK