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These are the Terms and Conditions of Service ("Terms") under which Lucky Money, Inc. ("Lucky Money" or “We” or “Us” or “Our”) offers You access to this website (the "Service(s)"), which allows You (the "Sender" or “You” or “Your”) to transmit money to a designated beneficiary (a "Beneficiary") in other countries (each, a "Destination Country"), for disbursement by a third party Paying/Delivery Agent ("Agent(s)") outsourced and not owned by Lucky Money.
These Terms are effective as of March 3, 2011 and are binding as between the Sender and Lucky Money. Lucky Money may update these Terms from time to time, without notice to You, by posting the updated Terms on this website. Do not access or Use the Service if You do not agree to be bound by the Terms. By accessing and Using the Service, You are agreeing to these Terms. If you disagree with any of the foregoing or any future changes, amendments or revisions to the Terms, you have the choice to refuse such terms and conditions and you will not be able to use the Service and access to the Service will be closed.
The Service is an electronic, Internet-based service. Therefore, You understand and agree that this Agreement will be entered into electronically, and that, in accordance with applicable law, the following categories of information ("Communications") may be provided by electronic means:
Although the Lucky Money reserves the right to provide Communications in paper format at any time, You agree that we are under no obligation to do so. All Communications in either electronic or paper format will be considered to be "in writing" and in accordance with applicable law. You should print a paper copy of these Terms and any electronic Communication that is important to You and retain the copy for Your records. If You do not wish to receive these Terms or the Communications electronically, You may not Use the Service.
In order to access and retain Communications, You must have:
Subject to applicable law, Communications may be posted on the Service's pages within the website or other website disclosed to You and/or delivered to the e-mail address You provide. All electronic Communications will be deemed to have been received by You no later than forty eight (48) hours after a Lucky Money sends it to You by e-mail or posts the Communication on the website, whether or not You have received the e-mail or retrieved the Communication from the website. An electronic Communication by e-mail is considered to be sent at the time that it is directed by Lucky Money’s e-mail server to the e-mail address provided by You. An electronic Communication by posting to the website is considered to be sent at the time it is publicly available. You agree that these are reasonable procedures for sending and receiving electronic Communications.
If You wish to withdraw Your consent to have Communications provided in electronic form, You must cancel any pending payments and stop Using the Service. To cancel pending payments, You must Use the appropriate screens on this web site. You may cancel payments only within certain time frames. Certain fees may be associated to a cancellation of payment.
You agree to promptly update Your records and personal profile if Your e-mail address or other information changes.
You initiate a money transfer by entering the required information requested and agreeing to these Terms.
You can send a money transfer with an electronic draft -- an automated clearing house ("ACH") debit from a deposit account You maintain at a U.S. based financial institution (“Your Account”). The name and address of record on Your Account must be the same as the name and mailing address You furnish Us prior to Your Use of the Service, and You must properly respond to any notice Lucky Money sends to that address. If You choose to initiate Your money transfer with an electronic draft, you authorize your existing financial institution maintaining Your Account to initiate a credit to an deposit account at a financial institution established by Lucky Money (the “LM Account”), plus any applicable fees imposed by such financial institution. Any funds that you cause to be credited to the LM Account shall be held by Lucky Money as agent and custodian for YOUR benefit. You hereby appoint Lucky Money as Your limited agent solely for the purpose of (i) receiving funds from Your Account, (ii) depositing such funds into the LM Account, and (iii) crediting the LM Account to effectuate transfer funds to such third party or third parties that you direct and manage with the Service. You authorize us to resubmit any ACH debit authorized by You that is returned for any reason whatsoever. Except as provided herein, Lucky Money is an independent contract for all purposes. Lucky Money facilitates money transfers, on Your behalf, to initiate the receiving and sending of payments between third parties. Lucky Money does not have control of or liability for the use of funds managed via the Service. Further, You acknowledge that any request to credit the Account or to debit the LM Account must comply with all applicable provisions of U.S. law.
Money transfers may not be initiated by check, cash or wire transfer.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions and their third parties to obtain, verify, and record information to identify you. You will be asked for your name, address, date of birth, and other information that will allow us to identify You.
IF YOU PROVIDE FALSE INFORMATION, YOUR ABILITY TO USE THE SERVICE MAY BE TERMINATED AND ANY PENDING MONEY TRANSFERS MAY BE CANCELLED. IN ADDITION, YOU MAY BE SUBJECT TO CIVIL AND CRIMINAL PENALTIES.
Lucky Money does not permit the Service to be Used for the improper, unlawful, or fraudulent transfers of funds ("Unauthorized Transactions"). Unauthorized Transactions include but are not limited to attempts (a) to transfer funds Using stolen, unauthorized, or otherwise compromised bank account, (b) to transfer funds Using an account with insufficient funds (c) to seek reimbursement of funds that have already been disbursed, (d) to launder funds, (e) to fund certain terrorist organizations or individuals as identified from time to time by the U.S. Department of Treasury on its published list of Specially Designated Nationals (“SDN”), and (f) to violate local, state, or federal laws of the United States, laws of the Destination Country, Territory, international laws, or the laws of any other relevant jurisdiction. Any incidents of Unauthorized Transactions are subject to prosecution to the full extent of the law. International Beneficiaries of funds acquired through Unauthorized Transactions may also be subject to civil penalties and/or criminal prosecution in their country of residence including, but not limited to, the repossession of the total funds delivered and received as a result of an Unauthorized Transaction.
Lucky Money, Inc. has no control over, and is not responsible for, the quality, safety, legality, or delivery of goods or services that you pay for using the Service. You acknowledge that any use of the Service for to pay for such goods and services is at your own risk.
LUCKY MONEY MAY OR MAY NOT MAKE ADDITIONAL PROFITS FROM THE CURRENCY EXCHANGE RATE BASED ON INDIVIDUAL AGREEMENTS WITH ITS VARIOUS DELIVERING AGENTS. LUCKY MONEY DOES EARN, IN CONSIDERATION FOR ITS SERVICES, THE TRANSACTION FEE IN EFFECT AT THE TIME THE TRANSACTION IS ENTERED. THE APPLICABLE TRANSACTION FEE WILL BE PROVIDED TO YOU PRIOR TO YOUR FINAL AUTHORIZATION OF THE TRANSACTION, IN ADDITION TO ANY APPLICABLE FEES FOR ADDITIONAL SERVICES (i.e., PROOF OF DELIVERY).
When available, Sender may select whether payments will be delivered in the local currency of the destination country, or in U.S. dollars through direct deposit to a named U.S. dollar account only at banks designated by Lucky Money. In addition to the transaction fees applicable to each transaction, a currency exchange rate will be applied. U.S. currency is converted to foreign currency at an exchange rate set by Lucky Money and or its third party delivering Agents. Lucky Money guarantees the foreign exchange rate to You at the time the transaction is entered.
REFUNDS OF PRINCIPAL AMOUNT and cancellation of the money transfer will be made upon written request by You if payment to the Beneficiary has not yet been made at the time the request is processed by Lucky Money. REFUNDS OF TRANSFER FEES will be made upon written request of the Sender if the money transfer is not available to the Beneficiary within the time specified by Lucky Money, subject to the hours of operation that the Service is offered at the Agent location selected by the Beneficiary for payment and other special conditions if applicable. Refunds will be made within thirty (30) days of receipt of a valid written request from the Sender.
Per California Financial Code Section 2103, "You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Lucky Money 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 moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted You have a right to a refund of Your money.
If You want a refund, You must mail or deliver Your written request to Lucky Money, Inc. at 1028 Mission Street, San Francisco, California 94103. 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."
THE PARTIES ACKNOWLEDGE AND AGREE THAT, EXCEPT AS EXPRESSLY PROVIDED IN THIS SECTION, 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 THEIR USE OF LUCKY MONEY'S SERVICES.
Either You or Lucky Money can require that any controversy or dispute arising out of the Services or these Terms be resolved by binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association (available at http://www.adr.org) and, as the parties acknowledge and agree that this arbitration agreement is made pursuant to a transaction involving interstate commerce, it shall be governed by the Federal Arbitration Act, as incorporated in Title 9 of the United States Code. Arbitration replaces the right to go to court, including the right to a jury and the right to participate in a class action or similar proceeding. In arbitration, a dispute is resolved by a neutral arbitrator instead of a judge or jury. Arbitration procedures are simpler and more limited than rules applicable in court. The decision of the arbitrator is final and binding.
The arbitrator shall issue a reasoned award if so requested by You or Lucky Money, and may not modify, rewrite, or otherwise reform these Terms, including but not limited to interpreting the Terms beyond the range of semantic permissibility. The arbitrator, in his or her discretion, shall have the right to award reasonable costs and attorneys' fees to the prevailing party. These Terms shall be governed according to 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. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to Use of the Service or these Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred.
Disputes include not only claims made directly by You, but also made by anyone connected with You or claiming through You, such as a Beneficiary. Disputes include not only claims that relate directly to Lucky Money, but also its successors, assignees, employees, and agents, and claims for which Lucky Money may be directly or indirectly liable, even if it is not properly named at the time the claim is made. Disputes include claims based on any theory of law, contract, statute, regulation, tort (including fraud or any intentional tort), or any other legal or equitable ground, and include claims asserted as counterclaims, cross-claims, third-party claims, interpleaders or otherwise. Disputes include claims made as part of a class action or other representative action, it being expressly understood and agreed to that the arbitration of such claims must proceed on an individual (non-class, non-representative) basis. Disputes also include claims relating to the enforceability or interpretation of any of these arbitration provisions.
If we initiate the arbitration, we may serve You at the last known physical or email address on file with Us. The arbitration shall be conducted in San Francisco, California, and judgment on the arbitration award may be entered in any court having jurisdiction thereof. However, You and Lucky Money agree to submit to the personal jurisdiction of the courts located within the city and county of San Francisco, California. Either You or Lucky Money may seek any interim or preliminary relief from a court of competent jurisdiction in San Francisco, California necessary to protect the rights or property of You or Lucky Money (or its agents, suppliers, and subcontractors) pending the completion of arbitration. If any portion of this section is deemed invalid or unenforceable, it shall not invalidate the remaining portions of this section.
EXCEPT FOR YOU RIGHT TO A REFUND (See Section 6), LUCKY MONEY WILL NOT BE LIABLE FOR DAMAGES CAUSED BY DELAY, NONDELIVERY, NONPAYMENT OR UNDERPAYMENT OF ANY MONEY TRANSFER, OR ANY SUPPLEMENTAL MESSAGE, WHETHER CAUSED BY NEGLIGENCE ON THE PART OF ITS EMPLOYEES, SUPPLIERS OR AGENTS OR OTHERWISE. IN NO EVENT WILL LUCKY MONEY BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL EXEMPLARY OR PUNITIVE DAMAGES, OR THE LIKE. THESE CONDITIONS CANNOT BE CHANGED OR SUPPLEMENTED ORALLY.
Lucky Money reserves the right to limit the principal amount of a money transfer, or to reject a proposed money transfer, in its sole discretion. Lucky Money assumes no obligation to make payment of the money transfer or to complete the applicable money transfer transaction if Lucky Money does not receive authorization from the bank card issuer or depository institution, nor does Lucky Money assume any liability for damages resulting from nonpayment of the money transfer or any failure to complete any applicable Service transaction by reason of such lack of authorization. Lucky Money reserves the right to refuse to provide the Services to You, at any time, for any reason deemed necessary to protect Our interests.
Lucky Money shall not be liable for any interruption of service due to causes beyond its control, including, but not limited to, the following: the unavailability or refusal of a person to accept delivery of the money remittance; acts of God; acts of public authorities acting with actual or apparent authority; insufficient information provided by a customer; the application of security regulations imposed by the government, or otherwise applicable to the delivery location; riots, strikes, or other labor disputes; civil commotions; disruptions in ground transportation networks, such as weather phenomena; and natural disasters.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL, CONSEQUENTIAL OR OTHER DAMAGES. ACCORDINGLY, SOME OF THE LIMITATIONS OF THESE TERMS MAY NOT APPLY TO YOU.
You are responsible for all authorized Uses of the Service as accessed by Your name and password. Applicable law may protect You from liability for unauthorized Use. An "Unauthorized" Use is Use of the Service by someone other than either You or someone authorized by You. A transaction is not Unauthorized if: (1) You give Your password or checking account information to another person expressly or implicitly authorized to Use the Service and that person Uses the Service; or (2) for any reason Lucky Money concludes that the facts do not reasonably support a claim of Unauthorized Use.
NOTIFY LUCKY MONEY IMMEDIATELY IF YOU BELIEVE THAT YOUR PASSWORD HAS BEEN STOLEN OR THAT SOMEONE HAS MADE A TRANSFER USING YOUR NAME OR PASSWORD WITHOUT YOUR PERMISSION. Telephoning is the best way of minimizing Your losses. Once Your password is reported lost or stolen, We will block access to the Service.
You expressly understand and agree that (a) Lucky Money expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement; (b) Lucky Money makes no warranty that (i) the service will meet Your requirements, (ii) the service will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the Use of the Service will be accurate or reliable, (iv) the quality of any products, services, information, or other material obtained by You through the Service will meet Your expectations, and (v) any errors in the software will be corrected; (c) any material downloaded or otherwise obtained through the Use of the Service is done at Your own discretion and risk and that You will be solely responsible for any damage to Your computer system or loss of data that results from the download of any such material; and (d) no advice or information, whether oral or written, obtained by You from Lucky Money or through or from the Service shall create any warranty not expressly stated in these Terms.
You agree to indemnify, defend and hold harmless Lucky Money, and all its officers, directors, owners, agents, employees, affiliates, licensors, licensees and third party service providers (collectively, the "Indemnified Parties") from and against any and all losses, damages, liabilities, and claims and all fees, costs, expenses of any kind related thereto (including, without limitation, reasonable attorneys fees) incurred by the Indemnified Parties in connection with any claim arising out of, based upon or resulting from (i) Your access to and/or Use of the Lucky Money website or Services including, without limitation, the money transfer services; and/or (ii) Your violation of the Terms. Lucky Money reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by You. You shall not in any event settle any matter without the written consent of Lucky Money.
The Lucky Money website, the Service, the content, and all intellectual property pertaining thereto and contained therein (including but not limited to patents, database rights, text, graphics, links, buttons, logos, images, copyrights, trademarks and service marks) are owned exclusively by Lucky Money, and all right, title and interest therein and thereto shall remain the property of Lucky Money. The Lucky Money website and Service may be Used only for the purpose permitted by these Terms. You are authorized solely to view and retain a copy of the pages of the Lucky Money website for Your own personal, non-commercial Use. You agree that You may not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit the Lucky Money website, the Service or any portion thereof for any public or commercial Use without the express written consent of Lucky Money. You further agree not to: (i) Use any robot, spider, scraper or other automated device to access the Lucky Money website and/or Service; and (ii) remove or alter any author, trademark or other proprietary notice or legend displayed on the Lucky Money website (or printed pages thereof). The name Lucky Money and other names and indicia of ownership of Lucky Money’s Service are the exclusive marks of Lucky Money. Other product, service and company names appearing on the website may be trademarks of their respective owners.
Entire Agreement -- These Terms embody the entire agreement and understanding between You and Lucky Money and supersede all prior agreements or understandings You have with Lucky Money. If any one or more of these Terms shall for any reason be held to be invalid, illegal or unenforceable, the remaining provisions shall remain valid and enforceable and the parties nevertheless agree that an arbitrator or court should endeavor to give appropriately valid effect to the intention of these. Your access to and Use of the Lucky Money website and Service is governed by California law. The Lucky Money website and Service are not intended for distribution to, or Use by, any person or entity in any jurisdiction or country where such distribution or Use would be contrary to law or regulation.
No Waiver -- The failure of Lucky Money to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to Use of the Service or the Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred.
Modification -- These Terms may be modified or amended by Lucky Money from time to time without notice, except as may be required by law. You can review the most current version of the Terms 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 will be deemed to have accepted that amendment or modification. You agree that you will not modify these Terms and acknowledge that any attempts by you to modify these Terms shall be void.
For consumer inquiries or comments, please write to:
LUCKY MONEY, INC.
Attn: On-Line Customer Service
1028 Mission Street
San Francisco, California 94103
TEL: 1-800-SUWERTE (1-800-789-3783)
FAX: (415) 864-2606
Last Revised Date: 01/01/2021
Protecting consumer privacy is a priority at Lucky Money. Currently, this information concerning your privacy is only applicable to online transactions initiated by U.S. customers and visitors to our website. This online privacy statement is written in accordance with the financial privacy provisions of the Gramm-Leach-Bliley Financial Modernization Act of 1999, 15 U.S.C. § 6801-6809 ("GLB Act") and the California Financial Information Privacy Act of 2004, Cal. Fin Code §§ 4050-4060 ("California Financial Information Privacy Act"). This reflects the Lucky Money policies covering personal and non-personal information collected by us on and after the effective date shown above, so that you can make informed choices about how your own information is collected and used.
Lucky Money is a "financial institution" within the meaning of the GLB Act, and falls under the jurisdiction of the Federal Trade Commission ("FTC") and the California Department of Financial Institutions ("DFI") for purposes of the GLB Act and the California Financial Information Privacy Act, respectively.
Lucky Money limits access to your personal information to only those employees of Lucky Money and its affiliates who need it to fulfill their business responsibilities. Employees must adhere to Lucky Money privacy policies. Employees violating these policies will be subject to disciplinary action, up to and including dismissal. Vendors and other outside contractors we engage are subject to our strict contractual requirements to ensure that your sensitive personal information is safeguarded. We employ appropriate measures to protect your information against unauthorized access, disclosure, alteration or destruction. These may include, among others, encryption, physical access security and other appropriate technologies. Lucky Money continually reviews and enhances its security systems as necessary.
Lucky Money collects personal and non-personal information in order to offer or provide our Services to you. This information may include the following: your name, address, telephone number, date of birth, social security number, government-issued identification (i.e. driver's license or passport) number, bank account number, and debit/credit card number. We also collect information regarding your recipients, including, but not limited to their name, address, phone number, bank account and routing numbers. We may obtain this information from a variety of sources including, but not limited to the following: (a) directly from customer applications, questionnaires and other materials submitted to us by the Sender; (b) from transactions in which Lucky Money and Sender are involved; (c) from clickstream activity on our website (including the use of "cookies" and or "web beacons," as described below); and (d) from a variety of third-party sources, such as government repositories, consumer reporting agencies and other financial institutions.
(a) to assist us in providing our services to you;
(b) to allow you to change pages during your visit to our website without repeatedly having to re-enter your password;
(c) to track activity on our website;
(d) to determine whether you came to our site from a banner ad or an affiliate website;
(e) To display our ads to you when you visit other websites; or
(f) To allow third-party vendors including Google, to show our ads to you on sites across the internet based on your past visits to our website luckymoney.com.
You can adjust settings in your browser that allow you to elect to accept cookies or to have your browser notify you each time a cookie is offered. You can also delete cookies from your hard drive. Instructions on how to accept cookies, on how to be notified that a cookie is being offered and on how to delete cookies are available through your Internet Browser. You can also visit the Google Ads Preference Manager, and Network Advertising Initiative opt-out page to opt-out of third-party cookies.
(a) financial background information describing financial status;
(b) identification information, such as name and address data;
(c) transaction information, such as account activity, debit activity or credit activity; and
(d) other information relating to financial matters.
Lucky Money may disclose your information to companies affiliated with us. These recipients include: (a) financial institutions such as banks, credit card companies, brokerage houses, and consumer reporting agencies pursuant to the Fair Credit Reporting Act (15 U.S.C. §1681 et seq.); (b) companies that process transactions or provide other services for us including, but not limited to, attorneys, accountants, and auditors; and (c) government and law enforcement agencies in general and where specifically required or permitted under the Right to Financial Privacy Act of 1978 (12 U.S.C. §3401, et seq.), to comply with federal, state, or local laws, rules, and other applicable legal requirements, as required by Title III of the federal United and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (USA Patriot Act; P.L. 107-56).
Lucky Money may create links to third party websites. Lucky Money is not responsible for the content or privacy practices employed by websites that are linked from our website.
If you have any questions or comments about Lucky Money's Online Privacy Statement, or if, for some reason, you believe we have not met our commitment to safeguard your privacy, please contact us at the customer service number listed below.
As stated above, this Lucky Money Online Privacy Statement is currently only applicable to our website customers and visitors in the United States. As we develop websites for international customers, we may adopt additional rules and practices consistent with this statement to confirm to the policies or requirements of those countries. We may alter this statement as needed for certain products and services and to abide by local laws or regulations around the world. Lucky Money reserves the right to amend or modify this statement from time to time. We urge you to review this statement whenever you visit in order to obtain the most current statement.
LUCKY MONEY, INC.
Attn: Attn: Compliance Department
1028 Mission Street
San Francisco, CA 94103
* First transaction is free when you pay with your U.S. bank account. Money in Minutes available to repeat customers with verified bank accounts and successful transactions. First free transaction is not applicable to USD payout. New Customers: A one-time bank account verification takes 1-2 days for the first bank account payment. Restrictions apply. Limited time offer.
†Some agents charge additional fees. Lucky Money may or may not make additional profits from the currency exchange rate based on individual agreements with its various delivering agents.