Terms and Conditions 

 Updated as of April 12, 2017

 

User Agreement

 
The following definitions apply to this agreement, hereinafter referred to as the “User Agreement”.
  1. The terms "ABS-CBN", "we", "us", and "our" refer to  ABS-CBN Global Remittance Inc., a California corporation, together with its employees, directors, successors, affiliates, agents, correspondents, and assignees.
  2. A "Transaction" is a remittance payment instruction received by ABS-CBN through the website.
  3. The terms "you" and "your" refer to users of the Service who originate (“Sender”) or receive (“Recipient” or “Beneficiary”) remittances, or visitors to this website.
  4. The "Destination Country" is the country in which the Recipient receives money through the Service.
  5. The "Transaction Amount" is the amount of the Transaction that the Sender intends for Beneficiary to receive and excludes all transaction charges and fees applied by ABS-CBN and any foreign exchange conversion that may apply.
  6. The “Service Fee” is the amount owed to ABS-CBN in consideration for funds transfer services provided.
  7. The “Foreign Exchange Conversion” is the process by which ABS-CBN converts U.S. or other currency in which a Transaction is originated into the local currency in which the Beneficiary will receive the Transaction Amount.
 
INTRODUCTION
 
This User Agreement describes your rights and responsibilities associated with your use of the ABS-CBN Global Remittance Inc. (hereinafter “ABS-CBN”) website and the services provided through that site (hereinafter, the "Service").  By accessing this site and using the Service you expressly agree to comply with and be bound by all terms and conditions of this User Agreement, or as may be modified from time, at ABS-CBN’s sole discretion.  ABS-CBN may amend this User Agreement at any time by posting amending terms on its website, which terms and conditions shall become immediately effective.
 
 
1.   SERVICE DESCRIPTION
 
Through this website ABS-CBN provides a secure network through which you can send or receive funds pursuant to the money transfer licenses or authorization granted to ABS-CBN in the following states:
  1. California and Illinois
 
2.   SERVICE AVAILABILITY AND RESTRICTIONS
  1. ABS-CBN rights.  ABS-CBN, in its sole discretion, reserves the right to accept or reject any Transaction.
  2. Your Eligibility. To use the Service you must be at least eighteen (18) years old and be capable of executing legally binding contracts under applicable law. Additional restrictions may apply.
  3. Service Availability Restrictions. The Service is only available in California and Illinois. It may not be available in whole or in part in other states, countries, and jurisdictions.  To use the Service, you must provide a valid address.  Service and funds availability depends on certain factors including the Service selected, the selection of delayed delivery options, amount sent, destination country, currency availability, regulatory issues, consumer protection issues, identification requirements, delivery restrictions, differences in time zones and other factors that may be outside the control of ABS-CBN.  You are also required to undergo compliance validation,  funds availability and identity  verification process, which include but not limited to submission of  State issued photo ID, latest bank statement, utility bills/proof of billing, copy of voided check & other know-your-client (KYC) documents;  and undergoing  through third party identity authentication & verification solution.
  4. Funds Restrictions. You represent that all funds associated with the Service, including any Service Fees or Transaction Amounts are derived from, and will be used solely for, legitimate and lawful activities.  You understand and agree that use or transmission of funds derived from illegitimate or unlawful activities and/or intended to be used for illegitimate or unlawful purposes is strictly prohibited and will negate any obligations on the part  of ABS-CBN. You represent that your use of the Service does not violate this User Agreement or any law, including, without limit, laws relating to money laundering, illegal gambling activities, support for terrorist activities or fraud.
 
3.   PAYMENT, CANCELLATIONS AND REFUNDS
  1. Service Fee. In consideration of the Service, for each Transaction you submit, you agree to pay ABS-CBN the Service Fee plus the Transaction Amount.  All payments must be made in US Dollars at the time you submit your Transaction for processing.  ABS-CBN will indicate the transfer fee prior to your final authorization of the Transaction.  Additional charges may apply in certain circumstances.  You agree to reimburse ABS-CBN for any NSF fees, chargeback fees, or other similar fees it incurs as a result of your request for service. ABS-CBN may charge you up to $5.00 per return item. In addition, your financial institution, intended Recipient and/or other third party may charge you a fee for items returned unpaid. You are solely responsible for these fees.
     
  2. Forms of Payment. All payment must be made through ACH Debit transaction through your bank or a financial institution located in the U.S. or by authorizing a debit from an account at U.S. financial institution held under your name (“Payment Instrument”). ABS-CBN will transmit the money  after up to 3 – 5 business days the ACH holding period of up to 3-5 business days or when funds are cleared/collected from your bank and credited to ABS-CBN’s bank account or debited from your account with sufficient funds as shown in the latest bank statement you submitted to ABS-CBN, whichever is earlier.

  3.  Payment Authorization. By initiating a Transaction, you represent that you are the owner of the account, and you have the authority to authorize payment for a Transaction. You authorize us to access, charge, or debit funds from any of the Payment Instruments you provide us in connection with your use of the Service.  If your payment fails or is insufficient, you authorize us to re-try one or more times using the same or a different Payment Instrument.

  4. Other Charges. Your financial institution or Payment Instrument provider may assess you charges in addition to those of ABS-CBN.  Additionally, your Recipient’s financial institution, as well as any correspondent financial institution or other financial institutions that serve as an intermediary or service provider in connection with the Transaction, may charge a fee.  These fees may be charged up front or they may be deducted from the Transaction Amount, and the full Transaction Amount may not be delivered to the Recipient.  You, not ABS-CBN, are solely responsible for those charges.

  5. Foreign Currency Conversion. In addition to the Service Fee, ABS-CBN and the correspondent financial institutions used in completing funds transfers (“Service Providers”) may realize additional financial benefits through the conversion of currency from US Dollars into the currency in which the Transaction will be paid.  You agree that, when you send a Transaction to a Recipient's bank account, that the Recipient’s bank account is denominated in the same currency in which you’ve instructed the Transaction to be delivered. United States currency is converted to foreign currency at an exchange rate set by ABS-CBN or its delegate, unless the laws of the destination country do not permit ABS-CBN or its delegate to set an exchange rate. Any difference between the rate given to you and the rate received by ABS-CBN will be kept by ABS-CBN. When required by law, the actual or estimated currency exchange rate applicable to your Transaction will be stated on the disclosures provided to you by ABS-CBN in connection with your Transaction. You understand that if your Transaction involves exchanges of foreign currency, ABS-CBN may be unable to predict the foreign exchange rate applicable on the date of the Transaction.   You agree that we may apply whatever rate is in effect on the transaction date, as permitted by law.

  6. Cancellations. If you send an international remittance transfer from the U.S., you have the right to cancel the Transaction and obtain a refund of all funds paid to us, including any fees, if you contact us at 1-888-485-8088 or feedback@tfcmyremit.com within 30 minutes of payment for the Transaction.  When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including without limitation, the Transaction tracking number, Transfer Amount and location where the funds were sent.  We will refund your money within three business days of your request, as long as the funds have not already been picked up or deposited into the Recipient’s account.  All other Transactions may be cancelled so long as payment has not been deposited in the Recipient’s account or otherwise delivered to the Recipient, but may be subject to a cancellation fee as permitted by law. ABS-CBN shall have sole discretion to accept or reject a cancellation request, in accordance with applicable law. If a Transaction is cancelled, a refund will be credited to the same account you used to fund your Transaction, less applicable cancellation fees. Refunds are only made in U.S. dollars and refund amounts will not be adjusted to account for changes in the value of the U.S. dollar or foreign currency from the time your Transaction was submitted, unless otherwise required by law.   At its sole discretion, ABS-CBN may also cancel the Transaction if it fails to collect ACH funds from your Bank and  after  ABS-CBN’s 3 failed attempts to contact you and resolve the ACH collection issue.

  7. Refunds. Generally, once the Transaction Amount has been deposited in the Beneficiary’s account or otherwise delivered to the Beneficiary, a transaction cannot be cancelled and refunds are not provided unless an error or other wrongdoing on our part has occurred.  You may submit a written request for a refund (submitted by email, fax, or U.S. mail using the contact information at the bottom of this User Agreement) if you provide the Sender's full name, address, and phone number, together with the Transaction tracking number, Transaction Amount, and the reason for your refund request. If the Transaction Amount has been paid to the Recipient, your refund, if granted, will be limited the Service Fee, unless otherwise required by law. Refunds are credited to the same account used to fund your Transaction, less applicable cancellation fees. Refunds are only made in U.S. dollars and refund amounts will not be adjusted to account for changes in the value of the U.S. dollar or foreign currency from the time your Transaction was submitted, unless required by law. Notwithstanding the foregoing, residents of certain jurisdictions should read the following:

What to do if you think there has been an error or problem with an international Transaction from the U.S.

If you think there has been an error or problem with your Transaction:

•    Call us at 1-888-485-8088; or
•    Write us at 2001 Junipero Serra Blvd. Suite 200 Daly City CA 94014  Attn: Customer Service; or
•    E-mail us at feedback@tfcmyremit.com. 


You must contact us within 180 days of the date we promised to you that funds would be made available to the Recipient.  When you do, please tell us:
(1)    Your name, address, and telephone number
(2)    The error or problem with the transfer, and why you believe it is an error or problem;
(3)    The name of the person receiving the funds, and if you know it, his or her telephone number or address;
(4)    The Transaction Amount; and
(5)    The Transaction tracking number.


We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly.  We will tell you the results within three business days after completing our investigation.  If we decide there was no error, we will send you a written explanation.  You may ask for copies of any document we used in our investigation. 

California.

The following applies only to Transactions that are submitted by Senders in California.
You have the right to dispute errors in your transaction. If you think there is an error, contact us within 180 days at 1-888-485-8088 or feedback@tfcmyremit.com. You can also contact us for the written explanation of your rights. You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked-up, delivered or deposited.

For questions or complaints about ABS-CBN GLOBAL REMITTANCE INC., contact:

     California Department of Business Oversight                           Consumer Financial Protection Bureau
                     866-275-2677                                                                                       855-411-2372
                     916-327-7585                                                                                       855-729-2372 (TTY/TDD)
                     www.dbo.ca.gov                                                                              www.consumerfinance.gov

RIGHT TO REFUND:  You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if ABS-CBN does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you.
If your instructions as to when the money shall be forwarded or transmitted are not complied with and the money have not yet been forwarded or transmitted you have a right to a refund.
 
If you want to request a refund, you must submit a written request to ABS-CBN Global Remittance, Inc. as follows:
 
a.   Fax to ABS-CBN at 1-855-697-3648 or
b.   Mail it to ABS-CBN at  2001 Junipero Serra Blvd. Suite 200 Daly City CA 94014  Attn: Customer Service;
c.   Email to feedback@tfcmyremit.com
 
If you do not receive your refund, you may be entitled to your money back plus a penalty of up to $1,000 and attorney's fees pursuant to Section 2102 of the California Financial Code.

 
4.   IDENTIFICATION VERIFICATION.
 

You and your Recipients may be required to present documents that confirm your or their identity before a Transaction is accepted or before funds are paid.  Documents acceptable to prove identify must be issued by an official government entity and be valid and unexpired.  In addition, Recipients may be required to provide a Transaction tracking number, a personal identification number (or PIN), a "password", a "secret word", and/or another, similar identifier associated with their Transaction. You give ABS-CBN permission to store all such data, as necessary to provide the Service.  A list of acceptable identification documents can be found at the FAQs page. 

ABS-CBN reserves the right to request additional identifying information or source of funds information to comply with anti-money laundering laws, sanctions list requirements and export control laws. You understand and acknowledge that information concerning the location of your computer or mobile device may be used to assess your location.  

 
5.   CORRESPONDENT NETWORK (SERVICE PROVIDERS)

a.    ABS-CBN relies on a network of correspondents to effect payment of your Transfer. While ABS-CBN attempts to provide up-to-date information on our website regarding the location, availability, and hours of our Service Providers, you agree that ABS-CBN is not responsible for inaccurate or incomplete information that may be posted on the site.

 
6.   SERVICE RESTRICTIONS

a.    General. We may, at any time and in our sole discretion, refuse any Transaction or limit the amount to be transferred, either on a per transaction basis or on an aggregated basis. Any such limits may be imposed on individual accounts, linked accounts, or on related accounts or households, in ABS-CBN's sole discretion. We reserve the right at any time, and from time to time, to modify or discontinue the Service (or any part thereof) with or without notice.
b.    Delays. Your Transaction may be delayed or cancelled in the course of our efforts to verify your identity, validate your Transaction instructions and Payment Instruments, contact and locate you, and otherwise comply with applicable law.
c.    Ineligibility. Not all Payment Instruments are available to all customers at all times. We may, in our sole discretion, refuse Transactions funded from certain Payment Instruments. Your Payment Instrument must be issued by a U.S. financial institution. We may, at our sole discretion, refuse Transactions from certain Senders and to certain Recipients, including without limitation, entities and individuals that are included on the Specially Designated Nationals list, Non-cooperative Countries and Territories list, and such other lists as may be issued from time to time by the U.S. Department of Treasury and other government agencies.
d.    Family remittances. The Service is intended to transfer funds between family members and persons known to you.  However, despite our best efforts, only you can ensure that your Transactions are consistent with this policy.  If ABS-CBN discovers you are using the Service to purchase goods or services, we reserve the right to cancel your Transaction(s).
e.    Unauthorized Transactions. You may not use the Service in violation of this User Agreement or applicable laws, rules or regulations. It is a violation of the User Agreement to use the Service for any activity deemed illicit in the country of origin or termination of the Transaction.
f.    Third parties. You may not submit or receive a Transaction on behalf of any other person.
g.    No Changes. Once your Transaction is accepted for processing, changes can only be made by exception and at the sole discretion of ABS-CBN.
 

7.   COLLECTION AND USE OF INFORMATION

a.    Legal requirements. U.S. law requires that we obtain, verify, and record personal, non-public information about you. By agreeing to this User Agreement, you acknowledge and consent to ABS-CBN's Privacy Policy. The Privacy Policy can be found by clicking here and provides greater detail about our collection and use of your personal information, and your legal rights to limit sharing of your personal information with certain parties.

 
8.   CUSTOMER SERVICE

General. Please notify us immediately if you experience any problems with the Service. You can contact us:
a.    Online:  www.tfcmyREMIT.com
b.    Mail: ABS-CBN Global Remittance, Inc. attn: Customer Service, 2001 Junipero Serra Blvd. Suite 200 Daly City CA 94014
Residents of the following jurisdictions may file complaints with the following entities that regulate our funds transfer activities:

•    California. If you have complaints with respect to any aspect of the money transmission activities conducted at www.myREMITcom, you may contact the Department of Business Oversight at its toll-free telephone number, 1-866-275-2677, by email at consumer.services@dbo.ca.gov, or by mail at Department of Business Oversight, Consumer Services, 1515 K Street, Suite 200, Sacrament, CA 95814.

•    Illinois. If you have complaints with respect to any aspect of the money transmission activities conducted at www.myREMITcom, you may contact the Department of Financial & Professional Regulations at its toll-free telephone number, 1-888-298-8089, direct line number 1-312-814-6910, or by  mail at Department of Financial & Professional Regulations, Division of Professional Regulations Complaint Intake Unit, 100 West Randolph Street, Suite 9-300, Chicago, Il 60601 or visit their website: https://www.idfpr.com.

 

 
9.   ABS-CBN'S INTELLECTUAL PROPERTY
 
ABS-CBN’s website, the Service, the content, and all intellectual property pertaining thereto and contained therein (including but not limited to authors, patents, database rights, trademarks and service marks) are owned by ABS-CBN or third parties, and all right, title and interest therein and thereto shall remain the property of ABS-CBN and/or such other third parties. While you may view and use the site for purposes of using the Service, you may not, in whole or in part, duplicate, publish, modify any aspect hereof.
 
 
10.   DISCLAIMER OF WARRANTIES
 

THE SERVICE IS PROVIDED "AS IS" AND WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED OR STATUTORY. WE, OUR SUBSIDIARIES, EMPLOYEES AND OUR SUPPLIERS SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
We make commercially reasonable efforts to ensure that Transactions are processed in a timely manner, but we make no representations or warranties regarding the time needed to complete processing, except as required by law.

  
11.   INDEMNITY
 
You agree to indemnify and hold ABS-CBN, Service Providers, and their respective subsidiaries, officers, agents, partners, and employees harmless from losses of any kind and 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 User Agreement, your violation of applicable law, or your violation of any rights of another.
 
 
12.   LIMITATION OF LIABILITY
 
 ABS-CBN may by law be liable for damages caused by its failure to debit your account in accordance with this User Agreement, in the correct amount or in a timely manner when properly instructed by you. However, ABS-CBN will not be liable where: (1) you do not have enough money available in your account; (2) your account is closed or withdrawals restricted; (3) the Transaction exceeds dollar or frequency limitations imposed by us or your account provider; (4) circumstances beyond our control (such as flood, fire, power outages, mechanical or system failures) prevent us from completing a Transaction; (5) your account provider does not honor a Transaction, the Transaction is not processed or the Transaction is returned by your account provider; (6) your instructions are lost or delayed in transmission to us; (7) ABS-CBN fails to process your Transaction because of a reasonable security concern or the Service option has been discontinued or suspended, or ABS-CBN otherwise advises you that your request will not be processed; and (8) other exceptions allowed by law.

ABS-CBN  is not responsible for detecting any errors in information provided to ABS-CBN, including the account number, routing number, and account name associated with the Recipient’s bank account. ABS-CBN relies solely on the information provided by the customer.  ABS-CBN  may rely on information you provide and may rely solely on the account numbers and identifying numbers that you provide for identifying an account or provider of an account, regardless of whether or not you also provide the name of the account holder and provider. ABS-CBN is not responsible for any loss or damage to the Sender or Recipient’s provision of incorrect information to ABS-CBN.

 
EXCEPT FOR CLAIMS UNDER SECTION 2102(b) OF THE CALIFORNIA FINANCIAL CODE ARISING FROM TRANSACTIONS ORIGINATING IN CALIFORNIA, IN NO EVENT SHALL ABS-CBN, SERVICE PROVIDERS, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, OR EMPLOYEES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES BEYOND THE SUM OF $500.00 (IN ADDITION TO REFUNDING THE TRANSACTION AMOUNT AND SERVICE FEES), INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF ABS-CBN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM NEGLIGENCE ON THE PART OF ABS-CBN, DISBURSEMENT PARTNERS, OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, OR EMPLOYEES.
 
 
13.   DISPUTE RESOLUTION AND GOVERNING LAW
 

Governing Law. This User Agreement shall be governed by, and shall be construed in accordance with, the laws of the State of California, and all activities performed in connection with the Service shall be deemed to have been performed in California. Any controversy, dispute, or claim arising out of or relating to the Service or User Agreement (a "Claim") shall be governed by and construed in accordance with the laws of California, except that body of law governing conflicts of law.
 
If you have a dispute with ABS-CBN we will make every commercially reasonable effort to ensure your satisfaction with our services.  Please communicate any concerns to us immediately through our Customer Service Department through the contact information provided in Section 20 of this User Agreement.

 
 
14.   ARBITRATION
 

For any claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000.00 USD, any dispute arising from or relating to your use of the Service shall be resolved in a cost-effective manner through binding non-appearance-based arbitration. The party seeking relief shall initiate such arbitration through an established alternative dispute resolution (ADR) provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. ADR shall take place on an individual basis; class actions or arbitrations are not permitted.
 
Forum for Disputes. Except as otherwise agreed by the parties or as described above, you agree that any claim or dispute you may have against ABS-CBN must be resolved by a court located in San Francisco County. You agree to submit to the personal jurisdiction of the courts located within San Francisco County, California for the purpose of litigating all such claims or disputes.
 
Improperly Filed Litigation. All claims you bring against ABS-CBN must be resolved in accordance with section 13 of this Agreement. All claims filed or brought contrary to section 13 shall be considered improperly filed, and a breach of this Agreement. Should you file a claim contrary to section 13, ABS-CBN may recover attorneys' fees and costs (including in-house attorneys and paralegals) up to $1,000.00 USD, provided that ABS-CBN has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim.

  
15.   INVALIDATION

If any portion of this Agreement shall be invalidated on any ground by any court of competent jurisdiction, then all portions that shall not have been invalidated shall continue in force to the fullest extent permitted by applicable law. 

 
16.   COMPLIANCE, ANTI-MONEY LAUNDERING
 
You and your Recipient represent that your use of the Service does not violate this User Agreement or any law, including, without limitation, laws relating to money laundering, illegal gambling activities, support for terrorist activities or fraud. Information you provide to ABS-CBN shall be truthful and complete.  ABS-CBN reserves the right reject any Transaction, request additional information about source of funds, identification of Senders or Receivers of Transactions, or any other additional deemed pertinent to comply with anti-money laundering and/or Bank Secrecy Act requirement, or as may otherwise be  required to comply with regulatory or other legal obligations.
 
 
17.   LINKS TO OTHER SITES
 
ABS-CBN’s website may contain links and pointers to other Internet sites and resources (the "Linked Sites"). Links to any Linked Site do not constitute an endorsement by or association with ABS-CBN or any of its affiliates to any third party resources or their contents. Links do not imply that ABS-CBN is affiliated or associated with or is legally authorized to use any trademark, trade name, logo or author symbol displayed in or accessible through the links, or that any Linked Sites are authorized to use any trademark, trade name, logo or author symbol of ABS-CBN or any of its affiliates. You should direct any concerns regarding any Linked Site to such Linked Site's site administrator or webmaster. ABS-CBN does not represent or endorse the accuracy or reliability of, and expressly disclaims, any advice, opinion, statement, or other information displayed or distributed through any Linked Site. You agree that reliance upon any opinion, advice, or information displayed on or otherwise available through any Linked Site shall be at your sole risk.
 
 
18.   ELECTRONIC COMMUNICATIONS
 

You acknowledge that this User Agreement shall be entered into electronically, and that the following categories of information ("Communications") may be provided by electronic means: (i) this User Agreement and any amendments, modifications or supplements to it; (ii) your records of Transactions through the Service; (iii) any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by federal or state law; (iv) any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Service; (v) any other communication related to the Service or ABS-CBN, including sales and marketing communications.
 
The Service does 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 Service shall be terminated. In order to withdraw your consent, you must contact us using our contact information in Section 20 of this User Agreement.
 
In order to access and retain Communications, you must have: (i) an Internet browser that supports 128-bit encryption, such as Netscape Navigator version 4.0 or above or Internet Explorer version 4.0 or above, (ii) an e-mail account and e-mail software capable of interfacing with ABS-CBN's e-mail servers, (iii) a personal computer, operating system and telecommunications connections to the Internet capable of supporting the foregoing, (iv) sufficient electronic storage capacity on your computer's hard drive or other data storage unit, (v) a printer that is capable of printing from your browser and e-mail software. In addition, you must promptly update us with any change in your email address by updating your profile at My Profile.

 
 
19.   MISCELLANEOUS
 
a.    Entire Agreement. The User Agreement constitutes the entire agreement between you and ABS-CBN and governs your use of the Service, superseding any prior agreements between you and ABS-CBN.
b.    No Waiver. The failure of ABS-CBN to exercise or enforce any right or provision of the User Agreement shall not constitute a waiver of such right or provision. If any provision of the User Agreement is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavor to give appropriately valid effect to the intention of the User Agreement as reflected in the provision, and the other provisions of the User Agreement shall remain in full force and effect.
c.    Modification. We may modify this User Agreement from time to time without notice to you, except as may be required by law. You can review the most current version of the User Agreement at any time by reviewing this website. You may terminate your use of the Service if you do not agree with any modification or amendment. If you use the Service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification. You agree that you shall not modify this User Agreement and acknowledge that any attempts by you to modify this User Agreement shall be void.
d.    Language. In the event there is any inconsistency between the English and other language text on this website, including the User Agreement, the English text shall be binding.
 
 
20.   CONTACT INFORMATION
 
Questions, notifications, and requests for refunds or further information can be sent to ABS-CBN, as follows:
  1. Online at www.tfcmyREMIT.com
  2. Mail at ABS-CBN Global Remittance, Inc
attn: Customer Service,
2001 Junipero Serra Blvd. Suite 200, Daly City, CA 94014

 

TERMS AND CONDITIONS SPECIFIC TO BILLS PAY SERVICE:
 
A.      Description of the Service (Short Description of the service)
 
Bills Pay is a remittance service that allows a customer to send money from the U.S. to the bank account of a Company in the Philippines for purposes of settling a bill.
1.    If payment is made thru Bills Pay Service on a day that is not a business day, payment shall be processed on the next business day.
2.    Business days mean Mondays through Fridays. Holidays are not included.
 
B.      AGRI’s Reliance on Information Provided
 
1.    AGRI is not responsible for detecting any errors in information provided to AGRI for the account number and account name of the Beneficiary. AGRI relies solely on the information provided by the customer.
2.    AGRI  may rely on information you provide and may rely solely on the account numbers and identifying numbers that you provide for identifying an account or provider of an account, regardless of whether or not you also provide the name of the account holder and provider. AGRI is not responsible for any loss or damage to the customer’s Beneficiary due to including but not limited to the following:

a.    Wrong Account Number
b.    Wrong Merchant Name
c.    Wrong Beneficiary or Account Holder Name
d.    Late remittance or use of bills pay service resulting to missing the payment deadline by the merchants or the billers
e.    Cancellation of bills payment due to unfunded bank account as declared by the financial institutions, bank account is closed or withdrawals are restricted, ACH is not processed by the bank or is returned by the bank.
 
 
C.      Error Resolution Policy
 
If the customer believes that the Bills Pay Transaction is erroneous or if the customer need more information about the Transaction, the customer shall notify AGRI as soon as possible by email or telephone thru our Customer Service.

What to do if you think there has been an error or problem with an International Transaction from the U.S.
 
If you think there has been an error or problem with your Bills Pay Transaction:

•    Call us at 1-888-485-8088; or
•    Write us at 2001 Junipero Serra Blvd., Suite 200, Daly City, CA 94014
•    E-mail us at feedback@tfcmyremit.com.

You must contact us within 180 days of the date we promised to you that funds would be made available to the Recipient.  When you do, please tell us:

(6)    Your name, address, and telephone number
(7)    The error or problem with the transfer, and why you believe it is an error or problem;
(8)    The name of the person receiving the funds, and if you know it, his or her telephone number or address;
(9)    The Transaction Amount; and
(10)    The Transaction tracking number.

We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly.  We will tell you the results within three business days after completing our investigation.  If we decide there was no error, we will send you a written explanation.  You may ask for copies of any document we used in our investigation. 
 
 
D.      Recurring Remittance/Bill Pay Transaction
 
1.    Customers need to submit duly accomplished and signed “Recurring Authorization Form” in writing prior to using the recurring remittance/bill pay Transaction.
2.    The original copy of the form must be mailed to current address of AGRI.
3.    You have the right to stop payment of preauthorized recurring payments by contacting us and the financial institution that holds your account from which payments are scheduled to be withdrawn.  You may be required to submit written confirmation of your instructions to stop payments.