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In this Terms and Conditions:
"Destination Country" means the country in which the Recipient receives money through the Service.
"Local Taxes" means any taxes or charges payable in the Destination Country.
"Payment Instrument" means a valid instrument of payment such as a bank account, debit card or credit card.
"Payout Amount" means the amount paid out to the Recipient, after any foreign exchange conversion and excluding Local Taxes.
"Recipient" means someone who receives money through the Service.
"Sender" means someone who uses the Service to send money.
"Service Fee" means the fee plus any additional charges applicable to each Transaction.
"Service Provider" means a local bank, money exchange house, or other third party service providers with whom First Transfer works in providing the Service.
"Transaction" means a specific instruction to send money through the Service.
"Transaction Amount" means the amount of money that the Sender wishes to send to the Recipient, excluding any applicable fees and prior to any foreign exchange conversion.
We do not accept any liability for damages resulting from non-payment or delay in payment of a money transfer to a Recipient or failure to perform a transaction under the Service by reason of any of these matters.
We take security very seriously at First Transfer, and we work hard, using state-of-the-art security measures, to make sure that your information remains secure. The First Transfer Service is a safe and convenient way to send money to friends and family and to other people that you trust. However, we do advise you to consider very carefully before sending money to anyone that you do not know well. In particular, you should be very cautious of deals or offers that seem too good to be true - they may be scams. If you are aware of anyone or any entity that is using the Service inappropriately, please email us using firstname.lastname@example.org. Similarly, if you receive any emails, purporting to be from First Transfer, which you suspect may be "phishing" (fake) emails, please forward them to us using at email@example.com.
Questions, notices, and requests for refunds or further information should be sent to First Transfer, as follows: