Terms of Service

Effective Date: January 23, 2025

Last Updated: January 23, 2025

1. Acceptance of Terms

By accessing or using the MannaTransfer mobile application and related services ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use our Services.

These Terms constitute a legally binding agreement between you and MannaTransfer ("Company," "we," "our," or "us").

2. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using our Services under applicable laws
• Not be located in a country subject to U.S. sanctions or designated as a "terrorist supporting" country
• Not be on any U.S. Government list of prohibited or restricted parties

3. Account Registration

3.1 Account Creation

To use our Services, you must create an account by providing accurate, complete, and current information. You agree to:

• Provide truthful and accurate information during registration
• Update your information promptly if it changes
• Complete identity verification (KYC) as required
• Maintain the security of your account credentials

3.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your password and PIN
• All activities that occur under your account
• Notifying us immediately of any unauthorized access

4. Services Description

MannaTransfer provides international money transfer services, including:

• Bank Transfers: Send money directly to bank accounts
• Mobile Wallet Transfers: Send money to mobile money accounts
• Cash Pickup: Send money for cash collection at agent locations

5. Fees and Exchange Rates

5.1 Service Fees

We charge fees for our Services, which are disclosed before you confirm a transaction. Fees may vary based on:

• Transfer amount
• Destination country
• Delivery method
• Payment method

5.2 Exchange Rates

Exchange rates are determined at the time of transaction and include a margin. The rate you see before confirming is the rate applied to your transfer.

5.3 Third-Party Fees

Additional fees may be charged by recipient banks, mobile operators, or cash pickup agents. These fees are outside our control.

6. Transaction Limits

We impose limits on transactions for security and regulatory compliance:

• Daily, weekly, and monthly transfer limits
• Per-transaction limits
• Limits may vary based on verification level

Limits are displayed in the app and may be adjusted based on your account history and verification status.

7. Prohibited Activities

You agree NOT to use our Services for:

• Money laundering or terrorist financing
• Fraud or illegal activities
• Transactions involving illegal goods or services
• Circumventing sanctions or export controls
• Sending funds on behalf of third parties without authorization
• Any activity that violates applicable laws

8. Transaction Processing

8.1 Processing Times

While we strive for fast delivery, processing times depend on:

• Delivery method selected
• Destination country and banking hours
• Compliance review requirements
• Recipient bank or agent processing

8.2 Cancellations and Refunds

• Transactions may be cancelled before processing begins
• Once funds are disbursed, cancellation is not possible
• Refunds for cancelled transactions will be processed within 5-10 business days
• Fees may not be refundable depending on processing stage

8.3 Failed Transactions

If a transaction fails due to incorrect recipient information provided by you, we may charge a correction fee or refund the amount minus applicable fees.

9. Identity Verification (KYC)

We are required by law to verify your identity. You agree to:

• Provide valid government-issued identification
• Submit additional documentation as requested
• Allow us to verify information with third-party services
• Keep your verification documents current

Failure to complete verification may result in limited functionality or account suspension.

10. Compliance and Reporting

We comply with all applicable laws including:

• Anti-Money Laundering (AML) regulations
• Know Your Customer (KYC) requirements
• Office of Foreign Assets Control (OFAC) sanctions
• Bank Secrecy Act (BSA) requirements

We may be required to report certain transactions to regulatory authorities.

11. Intellectual Property

All content, features, and functionality of our Services are owned by MannaTransfer and protected by intellectual property laws. You may not:

• Copy, modify, or distribute our content
• Reverse engineer our software
• Use our trademarks without permission
• Create derivative works based on our Services

12. Privacy

Your use of our Services is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.

13. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING:

• MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• UNINTERRUPTED OR ERROR-FREE OPERATION

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MANNATRANSFER SHALL NOT BE LIABLE FOR:

• Indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages exceeding the fees paid by you in the past 12 months
• Delays or failures caused by third parties or circumstances beyond our control

15. Indemnification

You agree to indemnify and hold harmless MannaTransfer and its officers, directors, employees, and agents from any claims, damages, or expenses arising from:

• Your use of our Services
• Your violation of these Terms
• Your violation of any third-party rights
• False or inaccurate information you provide

16. Suspension and Termination

We may suspend or terminate your account if:

• You violate these Terms
• We suspect fraudulent or illegal activity
• Required by law or regulatory authorities
• You fail to complete identity verification
• Your account remains inactive for an extended period

You may close your account at any time by contacting customer support. Pending transactions must be completed or cancelled before closure.

17. Dispute Resolution

17.1 Customer Support

For any issues with our Services, please contact our customer support team first at support@mannatransfer.com.

17.2 Arbitration

Any disputes not resolved through customer support shall be settled by binding arbitration in accordance with the rules of the American Arbitration Association. You agree to waive your right to participate in class action lawsuits.

17.3 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict of law principles.

18. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes by:

• Posting updated Terms in the app
• Sending you a notification or email
• Requiring acceptance of new Terms before continued use

Your continued use after changes constitutes acceptance of the modified Terms.

19. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

20. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and MannaTransfer regarding your use of our Services.