WORLDWIDE FINANCIAL CONSULTANTS

GENERAL TERMS AND CONDITIONS FOR REMOTE MONEY TRANSFER SERVICES

PLEASE READ THIS AGREEMENT CAREFULLY. BY ACCESSING THE WEBSITE OR USING THE SERVICE, YOU

AGREE TO BE BOUND BY (1) THIS AGREEMENT, (2) THE WORLDWIDE FINANCIAL CONSULTANTS GLOBAL

PAYMENTS PRIVACY POLICY. IF YOU DO NOT AGREE WITH THESE TERMS, PLEASE DO NOT ACCESS THE

WEBSITE OR USE THE SERVICE.

NOTE:

WFC is an Agent of City Naonal Bank of New Jersey, a federal chartered bank. All money remiance

services are fulﬁlled by City Naonal Bank of New Jersey. All monetary transmissions are in compliance

with federal banking regulaons and state licensing requirements pernent to Money Services Business.

Through its federal charter license, City Naonal Bank is able to promote its Money Remiance Service in

all ﬁy U.S. states and internaonal markets.

USER AGREEMENT

THE HEADINGS CONTAINED IN THIS AGREEMENT ARE FOR REFERENCE PURPOSES ONLY.

This document describes how you should use our Service and the condions to which you are subject

when you use it.

These General Terms and Condions for Remote Payment Services (hereinaer "the User Agreement"

or “Agreement”), govern the relaonship between you (hereinaer "Customer") and Worldwide Financial

CONSULTANTS (WFC) Global Payments, LLC doing business as “Clicktransfer” (hereinaer "WFC" or

"Company"), with respect to the use of this money remiance website (for purposes of this Agreement,

“website” includes our mobile websites, and our mobile applicaons) and the services associated with it

(“Service”).

As used throughout this Agreement, the terms “WFC”, "Company", "we", "us", and "our" refer to

Worldwide Financial CONSULTANTS Global Payments, LLC doing business as “Clicktransfer” together with

its employees, consultants, directors, successors, subsidiaries, aﬃliates, and assignees. The terms "you,"

"your," and “Customer” refer to users of the Service, whether in their capacity as senders, recipients,

beneﬁciaries, or visitors to our websites.

1. Interpretaon.

The legal relaonship created between WFC and the Customer (hereinaer referred to as "the Pares"),

is a valid contract and its will is expressed solely, exclusively a nd completely by this Agreement.

In case there is any contradicon between these general condions and the terms and condions of a

speciﬁc service, the terms and condions of a speciﬁc service shall always prevail.

2. Scope of applicaon of this Agreement.

The condions contained in this document will apply to the money remiance and monetary transfers

conducted through our plaorm.

These general condions apply to the contracng of products, services and transacons that WFC, as

payment service provider, agrees to provide its Customers and apply to the following WFC payment

services and operaons:

• Deposit taking and saving ;

• Money transfers;

• Issuance and receipt of individual and bulk transfers, sporadic or permanent, naonal or

internaonal, between users of payment services located overseas (OFAC permied

jurisdicons only);

• Transacons in which the consent of the payer is transmied by means of

telecommunicaon, digital or computer devices, and the payment is made through the

operator of the network or telecommunicaons or computer system, acng only as an

intermediary between the Customer and WFC.

3. Use of the Service and Age Eligibility of Users.

You must be at least eighteen (18) years old to access or use the Service as a Sender. You must be able to

form legally binding contracts under applicable law.

You may only use WFC to save and send money transfers to family and friends. You may not submit or

receive a money transfer on behalf of any other person or enty.

4. Use WFC for legal purposes only.

You should never use WFC to send or receive a money transfer that may be unlawful. You should only

send money for legal purposes, and only to people you know, such as your family and friends. To ensure

the correct use of our services, we ulize proprietary compliance and an-fraud policies and procedures,

which are mandated by the Bank Secrecy Act, the USA Patriot Act, and other applicable U.S. laws and

regulaons.

If we detect that you or your recipient are engaging in illegal acvies, using WFC for commercial

purposes, or otherwise violang WFC User Agreement, we have the right to modify or disconnue your

use of the WFC service immediately, and we will take acon against your account.

5. Responsiveness of Service.

The speed of money transfer service is subject to several factors including but not limited to the following:

• Approval by the WFC proprietary an-fraud veriﬁcaon system;

• Funds availability from sender’s payment account (checking, credit, or debit card);

• Recipient country banking hours and banking system availability;

• Diﬀerence in me zones, weekend bank processing availability and local bank holidays; and

Receiving agent hours of operaon

6. Idenﬁcaon and Authencaon Mechanisms.

We need your email and mobile to idenfy you as a user. To conﬁrm that we have received your

informaon correctly we will send you an email with a link and an SMS with a code to acvate your

account.

As a means of idenfying Customers to perform operaons through the WFC web applicaon, Customers

should provide their contact email address and the password they will use to access the online plaorm.

Once the contact details are provided, Customers will receive an email with a link which they will have to

access to acvate their user accounts. When accessing the link that is provided via email, Customers are

required to enter a one-me password received on the mobile phone provided as contact number.

The Customer undertakes to preserve the conﬁdenality of the informaon provided to WFC for

authencaon. In case of loss, the, or any event that could aﬀect its conﬁdenality, the Customer must

inform WFC immediately. Unl WFC is noﬁed, WFC will be released from all responsibility carried out in

such me interval.

7. Operaon, Transacon Fees, Authorizaon to Charge and Cellular Phone Charges:

Transacon Fee:

For each Transacon you make, WFC may charge a commission in addion to the money you want to

transfer. Depending on the payment mode you elect, there could be an addional commission charged

by the payment gateway.

Authorizaon to Charge:

For each transacon you make, you agree to pay WFC a transacon fee (the "transacon fee") in addion

to the monetary amount of the transacon. Addional fees may apply when you submit a Transacon

that results in non-suﬃcient fund or chargeback. You agree to reimburse WFC for fees incurred.

In order for WFC to collect payment from you, you hereby authorize WFC to access, charge, or debit funds

from any of the payment instruments you provide us in connecon with your use of the Service including

but not limited to credit card, debit card or bank account (hereinaer " WFC Account"). If your payment

fails or is insuﬃcient, we may re-try debing your WFC Account one or more mes or you may authorize

us to debit a diﬀerent form of payment. For example, if there are insuﬃcient fun ds in your bank account

at the me you submit the Transacon, upon obtaining your authorizaon and speciﬁc instrucons, we

will debit the alternave form of payment disclosed by you.

You hereby represent and warrant that you are the lawful owner or have legal rights over the payment

instrument(s) you disclosed to WFC.

Operaon:

Given that a certain period of me may elapse from the me you start the Transacon unl it is eﬀecvely

enforceable, there may be variaons, posive or neg ave, in relaon to the exchange rate to be applied

in the transacon in queson.

You can request a conﬁrmaon of execuon of the Transacon in addion to seeing the summary and the

status of your Transacon on our website.

As a means of tesng the operaons performed, WFC keeps digital records of all transacons.

8. Receipt and Execuon of Transacons.

Upon receipt of a Transacon order, WFC may: (i) accept it and proceed with its execuon; (ii) require

conﬁrmaon or addional informaon from the Customer if WFC deems it necessary for any reason; (iii)

block the transacon in case of security problems or (iv)reject the transacon in accordance with the

provisions of the following clause.

The moment WFC receives noce of the Transacon is deemed to be the Transacon me. If the me of

receipt is not a business day for WFC, the Transacon will be deemed received the next business day.

Upon informing the Customer, WFC may establish a deadline or cut oﬀ me on any given day for which

transacons occurring any me thereaer shall be considered to be received the next business day.

Execuon of the Transacon is made at the moment WFC has all necessary funds available to be remied.

9. Beneﬁciary’s Requests.

Beneﬁciaries or recipients may iniate a money remiance request on behalf of the sender.

Saving and sending requests:

• No fees; you can save or send requests to loved ones for free;

• To receive your request, your sender does not need to have a WFC account. To fulﬁll your

request, however, the sender must register and create an account with WFC. If they don’t

already have one, they can create one by providing basic informaon.

• You can send requests to any of your friends and family members all over the world.

• To check on your request status, log into your account and select “My requests.” You can

then see if your request is pending, requested, cancelled, accepted, or declined.

10. Currency exchange.

The applicable exchange rate to your Transacons shall be the rate in eﬀect on the day that we receive

your payment, not the day you order the Transacon. If we receive your funds on a non-business day, the

currency exchange rate to be applied will be the rate in eﬀect on the next business day (when ﬁnancial

markets open up).

WFC will only provide a currency exchange service associated with the Transacon contracted by the

Customer pursuant to this Agreement.

We and the intermediary service providers may proﬁt when you pay for a Transacon in one currency and

the Transacon is paid out in another currency, which is based on the diﬀerence between the exchange

rate at which we buy foreign currency and the exchange rate provided to you. You agree, when you send

a Transacon to a Beneﬁciary's bank account, that the bank account is denominated in the same currency

as the Transacon (e.g., if your Transacon calls for us to deposit Euro into the Beneﬁciary's bank account,

then you conﬁrm that the Beneﬁciary's bank account is denominated in Euro).

11. Restricted Acvies. As a user of our websites or Service or in the course of your interacons with

the Service, you agree not to:

a. Breach this User Agreement, or any other agreement between you and Company;

b. Open more than one account;

c. Provide false, inaccurate, or misleading informaon;

d. Refuse to cooperate in an invesgaon or provide conﬁrmaon of your identy or any

informaon you provide to us;

e. Use an anonymizing proxy;

f. Provide yourself a cash advance from your credit card (or help others to do so);

g. Share Transacon numbers or informaon with anyone except the Service Company, or

Beneﬁciary. Furthermore, you will advise the Sender or Beneﬁciary not to share Transacon

numbers or informaon; or

h. Violate any other restricons in this User Agreement.

12. Security.

We are commied to securing your ﬁnancial informaon and employ proven technology to protect and

secure your personal informaon. WFC has established adequate procedures for the recovery of user

data.

The access by the Customer to the payment services contracted through the WFC web applicaon will be

carried out through idenﬁcaon and authencaon mechanisms using personal user data (combinaon

of your unique use keys, email, username and password, non-transferable keys, and electronic signature).

Your electronic signature has the same validity as your wrien signature and it entles you to ulize our

money remiance services.

It is your responsibility to keep your signature data secret. The Customer must properly safeguard its

personal user data that WFC provides for the use of the Services, as well as to ensure its valid use and

strictest conﬁdenality.

13. Security Waiver.

The Transacons carried out will be valid and will have full legal eﬀects provided that the access keys and

the electronic signature are in compliance and the condions established in this Agreement are fulﬁlled.

Please be aware that if someone uses your electronic signature and personal data to iniate an order,

WFC will proceed with the remiance accordingly.

WFC will be relieved of any responsibility derived from those operaons that would have taken place prior

to the noﬁcaon of the loss, the of the access keys or electronic signature by the Customer.

The Customer is solely and fully responsible for the operaons made using the personal data and

electronic signature prior to the Customer’s noﬁcaon to WFC of the loss or the. Further, the Customer

accepts these transacons as if they were made by him/her even if they were made by a person other

than the Customer or authorized person.

For security reasons, when a number of consecuve errors occur in the provision of the password or the

electronic signature, WFC may choose to have the services blocked and the password or the electronic

signature canceled. Aer such cancellaon, the electronic signature and passwords will be re-issued upon

receiving Customer's request.

WFC is exempt from any liability that may arise from improper, incorrect or negligent use of the user

personal data, from its loss, the, or subtracon, from its assignment to third pares, or from any other

act or omission of the Customer or of a third party that makes fraud possible.

14. Disclaimer for the operaon of WFC web applicaon.

WFC is not liable for your use of our service in violaon of our User Agreement, including all risks

associated with the purchase of goods or payment for services of any kind, such as (but not limited to)

losses you suﬀer for undelivered or defecve goods and services you pay for using the WFC service.

WFC is not responsible for any damage or error that arise from using its website.

WFC will provide its services and contents through our website in a connuous way using all the technical

means at its disposal to carry out such service sasfactorily.

WFC is not responsible for damages of any nature that could derive from the availability and technical

connuity of the operaon of the website or lack of it. In parcular, WFC does not guarantee that access

to this website is uninterrupted or error-free. Under no circumstances shall WFC be liable for any losses

or damages of any kind arising from access to and use of the website, including, but not limited to, those

caused to computer systems or those caused by the introducon of viruses. In any case, WFC will carry

out all the necessary acons to restore its services in case of technical failure in due me and form.

WFC may, when it deems it appropriate, make correcons, improvements or modiﬁcaons to the

informaon contained in the website, without creang any right of claim or compensaon or

acknowledgment of any liability.

WFC is not liable for damages and losses of any nature that could derive from the knowledge obtained by

unauthorized third pares of the Customer’s personal data or the Customer’s use of the website.

15. Disclaimer of liability for the improper use of Customer's personal data.

WFC is not responsible for the the of passwords or its consequences.

The Customer is solely and exclusively responsible for the protecon of personal data and transacons

done on the website ulizing the Customer’s informaon. WFC is not responsible for the improper use of

Customer’s personal data and the consequences derived from the misuse by the Customeror

unauthorized third pares.

16. Disclaimer for acts or omissions of third pares.

WFC is not responsible for the damages that your acons may cause if you do not follow WFC’s

instrucons.

In no case will WFC be liable for any kind of damages, whether actual, indirect, or otherwise, or for the

loss of proﬁts that may have been incurred by the Customer, as a result of acons or omissions, delays, or

defecve fulﬁllment of the Customer and/or third pares, such as, without limitaon, any other payment

service provider or banking enty, or as a result of any failure or delay of any electronic or fax transmission,

abnormal situaons, unpredictable situaons and cases of force majeure. Nor shall WFC be responsible

for any delay or breach of its obligaons that is movated by the imperave applicaon of a legal provision

or order of a competent authority.

17. Transaconal Records.

By accepng these condions, you authorize us to save your data and informaon pernent to all of your

transacons.

The Customer and, as the case may be, the user, expressly authorize WFC to record, electronically or by

any other means, all data in relaon to operaons, or consultaons performed in relaon to the

Transacon. The records resulng from the aforemenoned recordings constute the documentary basis

of this Agreement and may be used as evidence in any judicial or extrajudicial proceeding that may derive

from this Agreement, its annexes and any contracts associated with the same. WFC undertakes to keep

the records under the me period established by law.

18. Collecon of informaon

a. Privacy Policy. By agreeing to this User Agreement, you acknowledge and consent to our

can be found on our website.

b. Customer Idenﬁcaon Program. To help the government ﬁght the funding of terrorism

and money laundering acvies, the law requires that we obtain, verify, and record

informaon about you. We may require that you provide us with nonpublic, personal,

idenfying informaon about you, your Recipient or your Beneﬁciary. We may also

lawfully obtain informaon about you from other sources without your knowledge,

including non-personal idenfying informaon that we may obtain while you visit our

websites.

c. Government Disclosures. We may provide informaon about you and your Transacons

to government authories and enforcement agencies, as described in our Privacy Policy.

19. Communicaons with the Customer.

We will keep you informed through electronic means (email or SMS and other digital means such as pop-

up messages or push noﬁcaons).

All communicaons or noﬁcaons to be made to the Customer shall be made in electronic format,

telephone, fax or other similar means; WFC is not responsible for sending printed communicaons on

paper, unless expressly agreed with the Customer for a parcular maer.

20. Modiﬁcaon of the Terms and Condions.

If at any me WFC changes the condions of the service, aer publishing those condions on WFC

website, it will be assumed that you have accepted and are therefore bound by them on your future

transacons. Notwithstanding the foregoing, all modiﬁcaons that WFC considers favorable to the

Customer may be automacally applied, without any prior noce or prior wrien consent.

21. Suspension

WFC may block or suspend any Transacon and/or use of the Services by the Customer in the event that

WFC has reasonable doubts as to: (i) the security of the payment system or a speciﬁc transacon ; (ii) the

fraudulent use of the payment system or the possible existence of fraud in relaon to a parcular

Transacon; and (iii) if the Transacon is carried out against a credit granted by WFC to the Customer and

WFC considers that there has been a signiﬁcant change in the risk of non-payment by the Customer.

22. Regulaons.

The Customer expressly agrees that the validity and execuon of this Agreement are subject at all mes

to current regulaons related to: (i) money services business both at the fnaonal and internaonal levels,

(ii) naonal and internaonal banking compliance and regulaons, as well as (iii) consumer protecon and

fraud prevenon.