Reynin Terms and Conditions
Welcome to Reynin, LLC’s (“Reynin’s”) website (www.reynin.com) (“website”) and mobile application (“mobile app,” and together the with website, the “Application”). The following terms and conditions (together with any documents referred to in them) represent a contract between you and Reynin and apply to your use of the Application, including any content, functionality and services offered on or through the Application for purposes of making an online money transfer payment to a designated recipient.
II. Consent to use Electronic Records, Notices and Communications
As part of your relationship with Reynin, you are entitled to receive certain information, such as notices, disclosures and statements in writing. To help with our efforts to protect the environment, and to facilitate mobile use of our service, we ask that you give us permission to provide these notices, disclosures and statements to you electronically; otherwise we will be required to furnish them to you in paper form.
A. Update Email Address
In order to ensure that we are able to provide notices, disclosures and statements to you electronically, you must notify us of any change in your email or other electronic address and any change in your mobile phone number.
B. Hardware and Software
To access and retain the notices, disclosures and statements we provide to your electronically, you must have a mobile device that operates on Android 8+ or iOS minus one. Additionally, you must be signed into the current version of the mobile application on your mobile device. By “current version”, we mean a version of the software that is currently being supported by its publisher.
We reserve the right to discontinue support of a current version of software if, in our opinion, it suffers from a security or other flaw that makes it unsuitable for use with your account. And we always reserve the right, in our sole discretion, to communicate with you via the U.S. Postal Service.
Please indicate your consent to receive and use electronic records, communications, and notices by checking the “I consent to receiving my agreements and disclosures electronically” box. By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review electronic records, and that you have an active email account. You are also confirming that you have read and understand this consent to use electronic records, communications, notices and signatures, and that you are authorized to, and do, consent on behalf of all the other co-owners of your account.
III. Other Terms and Conditions
Reynin does not disclose nonpublic personal information about its consumers or former consumers to anyone, except as permitted by law. The law permits disclosure of nonpublic personal information, for example, where it is necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with the servicing or processing of a financial product or service requested or authorized by the consumer. The law also permits such sharing where it is released to protect the confidentiality or security of our records pertaining to our consumers, the services or products we offer, or the transactions we process or handle. The law also allows for the release of nonpublic personal information to protect against or prevent actual or potential fraud, identity theft, unauthorized transactions, claims or other liability, as well as for resolving consumer disputes or inquiries. The law further allows the release and/or disclosure of nonpublic personal information to comply with federal, state or local laws or regulations or other legal requirements, such as subpoenas or other legal processes. This list of examples of the types of sharing of information that is permitted by law is not meant to be comprehensive, but provides you with some basic information on some of the types of sharing permitted by law.
Reynin does not sell to or exchange consumer lists or consumer information with third parties.
Reynin restricts access to nonpublic personal information about you to those employees and agents who need to know that information to provide products or services to you. We also maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
By providing us a telephone number (including a mobile telephone number), you consent to receive autodialed and prerecorded message calls from us. If we determine that a telephone number you provided is a mobile telephone number, you consent to receiving texts messages from us about your use of our service at that number, which we may do in our sole discretion. Message and data rates may apply. To stop receiving text messages, text “STOP” to 1-269-425-2077.To get help, text “HELP” to or reply “HELP” to any Reynin text message received. Users may also call Reynin at 1-269-425-2077 or email firstname.lastname@example.org for assistance.
C. Accessing the Application and Account Security
By using the Application, you represent and warrant that you are 18 years or older and of legal age to form a binding contract with Reynin.
We reserve the right to withdraw or amend the Application, and any service or material we provide on the Application, in our sole discretion without notice, except as otherwise required by law. We will not be liable if, for any reason all, any part of the Application is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Application, or the entire Application, to users, including, but not limited to registered users.
You are responsible for making all arrangements necessary for you to have access to the Application and for maintaining the hardware and software noted in our Consent to Use Electronic Records, Notices and Communications in Section II above.
To access the Application or some of the resources they offer, you may be asked to provide certain registration, identification and authentication details or other information. It is a condition of your use of the Application that all the information you provide to us is correct, current and complete at all times.
If you become a registered user of our services and you choose, or you are provided with, a user name, password, personal identification number (“PIN”), or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. You agree to immediately notify Reynin of any unauthorized use of your user name or password, PIN or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You agree that you are only allowed to create and maintain one registered user account. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.
D. The Service
E. Currency Exchange
If you instruct us to pay out a money transfer to a recipient in a currency (“payout currency”) other than United States Dollars (“USD”), a retail exchange rate may be applied, in addition to any service charge appearing on the face of your receipt. The payout currency for such money transfer is acquired by us at a wholesale rate that fluctuates, but may approximate the wholesale rate for such payout currency listed in newspapers such as the Wall Street Journal. The difference between the retail exchange rate applied to such money transfer transaction and the wholesale exchange rate at which we acquired the payout currency will be kept by us and/or the paying agent as revenue, in addition to any service charges.
The paying agent must pay out money transfers in the payout currency indicated in the money transfer payment instructions. If a recipient desires payment of the money transfer in a currency other than the payout currency, the recipient and paying agent must enter into a separate foreign exchange transaction to convert the payout currency into the recipient’s currency of choice (“foreign exchange transaction”). Such foreign exchange transaction is a separate transaction between the recipient and the paying agent only and Reynin has no responsibility for or liability in connection with such foreign exchange transaction.
For further information about the payout currencies available in any destination country and/or through any particular paying agent on Reynin’s network of payout locations, consult the Application.
F. Payment Authorization
When you initiate and submit a money transfer transaction on the Application, you authorize Reynin (or its designated agent) to charge your designated credit card account or debit your designated debit card or bank account for the amount of such money transfer transaction and Reynin’s associated service charge. You are responsible for ensuring that your designated payment method has sufficient funds or credit available for payment of your money transfer transaction. If Reynin executes payment of a money transfer pursuant to your money transfer instructions and subsequently is advised that your designated credit card had insufficient credit available or your designated debit card or bank account had insufficient funds available, you remain liable to Reynin for the full amount of any such payment of the money transfer by Reynin and the Reynin’s associated service charge. You authorize us to initiate debit and credit entries to your bank account in connection with the money transfer service. You also authorize us to initiate credits and debits to correct errors. This authorization shall remain in full force and effect until we have received notification from you of its termination; you may revoke your authorization only by notifying us by telephone at 1-269-425-2077 or in a written letter sent to 4774 RAVINE DRIVE, HOLLAND, MI 49423. Attn: Customer Service that is received at least thirty (30) days prior to the proposed effective date of the termination of authorization. You agree that all transactions authorized by you shall comply with all applicable federal, state and foreign law.
Money transfers that have been authorized by a user shall be processed only on the condition that the issuer of the respective credit card or debit card, or the user’s bank, has authorized the corresponding charges or debits. Each user using the service acknowledges and agrees that Reynin is authorized to charge the respective credit card or debit card, or debit the respective bank account, for the principal amount of the money transfer, the service charge, and any other applicable fees. The issuing bank for your credit card or debit card or the financial institution where your bank account is open may also have terms and conditions that apply to your use of the credit card, debit card or bank account (as applicable) and you must refer to such agreement(s) in order to determine user’s rights, obligations and liabilities as a cardholder or account holder, which may include the assessment of cash advance or other fees. Money transfer receipts will not display fees assessed by user’s bank or the issuer of user’s credit card or debit card.
G. Services Charges and Additional Fees
In consideration of your use of the service, you agree to pay a service charge per money transfer executed through the Application. The service charge will be charged to the credit card, debit card, or bank account you identify as the payment method for your money transfer transaction. The service charge (in addition to any other applicable fees charged by us directly or on behalf of any U.S. federal or state governmental authority) will be displayed online for your authorization prior to submission of the money transfer. Our service charge schedule is subject to change from time to time in our sole and absolute discretion. In addition to any fees charged by Reynin, a money transfer may be subject to additional fees assessed by the U.S. federal government, the U.S. state where the money transfer originates, the government of the destination country, or the financial institution in the destination country at which your recipient holds a bank account.
H. Money Transfer Processing and Delivery Schedule
After we have verified your identity, received proper credit card, debit card, bank authorization and completed the screening for proper compliance with the various applicable laws and regulations, the money transfer is promptly made available to the designated recipient for pick up at a paying agent location, home delivery by paying agent to recipient’s home or office (available in limited destinations only), or deposit into recipient’s bank account in the destination country. The speed of payment of a money transfer varies depending on a variety of factors, including but not limited to, the amount of the transaction, the restrictions of the destination country or point-of-payment (including without limitation the paying agent’s hours of operation), and/or the accuracy of the information provided by the user. Money transfers will normally be paid to the recipient by cash or check (or a combination of cash or check depending on the availability of currency or other conditions existing at the point-of-payment)
I. Money Transfer Cancellations and Refunds
If you instruct us to pay a money transfer to a designated recipient and later request that we stop the payment of such transaction, we will need to check first with the paying agent to determine if the money transfer has been paid to the recipient. If we can confirm that payment has not been made, the money transfer will be cancelled and we will refund the amount of the money transfer, including the service charge. Your refund will be in USD. All refunds shall be available within thirty (30) calendar days of the stop order or as soon as the refunds are returned by the paying agent and, whichever is first. For further information or to file a complaint, please contact our customer service team at 1-269-425-2077.
J. Money Transfer Transactional Restrictions
We reserve the right, in our sole discretion, to: (i) reject a proposed money transfer; (ii) limit the amount of a money transfer; (iii) require additional information to complete a money transfer; and/or (iv) take reasonable measures with respect to a money transfer in an effort to comply with applicable laws and regulations. As a user, you agree not to attempt to circumvent the parameters of the service by using a different debit or credit card or bank account, entering false information, or any other means. The service is offered exclusively for the personal money transfer needs of users. Any other use or attempted use of the service for commercial purposes, promotion of products and services, or other such purposes, directly or indirectly, by you or by a third party is prohibited.
The service available through the Application is limited to money transfers at a minimum amount of $50.00 USD per transaction. The maximum amount per transaction may vary. Reynin may establish any and all transactional restrictions applicable to money transfers in its sole discretion and may change such restrictions from time to time. We will provide you with any legally required notice, which we may post on the Application legally required notice, which we may post on our website.
When you submit a money transfer, the paying agent is not required to accept it. You agree that you will not hold us liable for any damages resulting from a paying agent’s decision not to accept a money transfer made though our service. Any unclaimed, refunded or denied payment will be returned to you or to the original payment method. We will return any unclaimed money transfer to you, or to the original payment method, within thirty (30) days of the date we are informed that the paying agent has rejected your money transfer transaction.
If you provide us with incorrect recipient information, we will contact you to correct the recipient information or process a refund of your money.
K. Reynin’s Messaging System
Reynin provides messaging services to its registered users. NO ACCESS TO EMERGENCY SERVICES: There are important differences between Reynin’s messaging system and your mobile and fixed-line telephone and SMS services. Reynin’s Services do not provide access to emergency services or emergency services providers, including the police, fire departments, or hospitals, or otherwise connect to public safety answering points. You should ensure you can contact your relevant emergency services providers through a mobile, fixed-line telephone, or other service.
L. Intellectual Property Rights
The Application and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by Reynin, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.
You are permitted to use the Application for your personal, non-commercial use only. You must not copy, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our site, except to (a) store copies of such materials temporarily in RAM; (b) store files that are automatically cached by your web browser for display enhancement purposes; and (c) print a reasonable number of pages of the Application for a permitted use.
You must not (a) modify copies of any materials from the Application; or (b) delete or alter any copyright, trademark or other proprietary rights notices from copies of materials from the Application.
You must not reproduce, sell or exploit for any commercial purposes any part of the Application, access to or use of the Application or any services or materials available through the Application.
M. Company Trademarks
Reynin’s name, and all related names, logos, product and service names, designs and slogans are trademarks of Reynin or its affiliates or licensors. You must not use such marks without the prior written permission of Reynin. All other names, brands and marks are used for identification purposes only and are the trademarks of their respective owners.
N. Acceptable Use
O. Monitoring and Enforcement; Termination
You waive and hold harmless Reynin from any claims resulting from any action taken by the company during or as a result of its investigations and from any actions taken as a consequence of investigations by either the company or law enforcement authorities or regulator authorities related to the money transfer services and/or messaging services or your use of the money transfer services and/or messaging services.
P. Changes to Website and Procedures
We may modify or update the website and/or money transfer and messaging procedures from time to time, in Reynin’s sole discretion, with or without notice, except as required by law. We may suspend access to the website, or close it.
Q. Information about You and Your Visits to the Application
R. Links from the Application
If the Application contain links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them, or for any merchandise, goods or services you may purchase or obtain from them. If you decide to access any of the third-party websites linked to the Application, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.
S. Persons Under 18
The service is intended for the use by users who are eighteen (18) years of age or older. Please note that the service (including, without limitation, the underlying network, system, software, servers, various directories and listings, various message and news boards, tools, information and databases) is not intended for use by persons under eighteen (18) years of age. If it comes to our attention through reliable means that a user is a child under eighteen (18) years of age, we will cancel that user’s account and will delete all information regarding such user from our system and records.
T. Disclaimer of Warranties
You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output and for maintaining a means external to our site for any reconstruction of any lost data. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer, mobile equipment, computer programs, data or other proprietary material due to your use of the Application app or any services or items obtained through the Application.
Your use of the Application, its content and any services obtained through the Application are at your own risk. The Application, its content and any services obtained through the Application are provided on an “as is” and “as available” basis, without any warranties of any kind, either expressed or implied. Neither the company nor any person associated with the company makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy or availability of the Application. Without limiting the foregoing, except to the extent required by law, neither Reynin nor anyone associated with Reynin represents or warrants that the Application, its content or any services or items obtained through the Application will be accurate, reliable, error-free or uninterrupted, that defects will be corrected, that our site or the server that makes it available are free of viruses or other harmful components or that the Application, or any services or items obtained through the Application will otherwise meet your
needs or expectations.
Reynin hereby disclaims all warranties of any kind, either expressed or implied, statutory or otherwise, including but not limited to any warranties of merchantability, non-infringement and fitness for particular purpose.
The foregoing does not affect any warranties which cannot be excluded or limited under applicable law.
U. Liability and Limitation on Liability
Except as otherwise required by law, Reynin’s liability is limited to the U.S. dollar amount showing on the face of receipt for your money transfer transaction, including service charges. Except as provided in the previous sentence, in no event will the company, its affiliates or their licensors, service providers, employees, agents, officers or directors be liable for damages of any kind, under and legal theory, arising out of or in connection with your use, or inability to use, the Application or any websites linked to them. Any content on the Application or such other websites or any services obtained through the Application, or such other websites, including any direct, indirect, special, incidental, consequential or punitive damages, including but not limited to, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.
If Reynin does not properly complete transactions on time or in the correct amount in accordance with this agreement with you, Reynin may be liable for your losses, up to the limitation described in the preceding paragraph. However, Reynin will not be liable if (a) through no fault of Reynin, you do not have enough funds available in your bank account, debit card account, or credit card account to complete the transaction; (b) the paying agent or recipient refused to accept your money transfer; (c) they paying agent or recipient refused to complete the transaction; (b) the paying agent or recipient refused to accept your money transfer; (c) your funds are subject to legal process or other encumbrances restricting transfer; (d) you provide incorrect or incomplete transaction information to Reynin; or (e) if your use is not an Acceptable Use.
The foregoing does not affect any liability which cannot be excluded or limited under applicable law.
W. Governing Law and Jurisdiction
X. Dispute Resolution and Binding Arbitration
Federal Arbitration Act. The United States Federal Arbitration Act governs the interpretation and enforcement of this “Special Arbitration Provision for United States or Canada Users” section, including any question whether a Dispute between Reynin and you is subject to arbitration.
Agreement to Arbitrate for Reynin Users Located in the United States or Canada. For Reynin users located in the United States or Canada, Reynin and you each agree to waive the right to a trial by judge or jury for all Disputes, except for the Excluded Disputes. Reynin and you agree that all Disputes (except for the Excluded Disputes), including those relating to, arising out of, or in any way in connection with your rights of privacy and publicity, will be resolved through final and binding arbitration. Reynin and you agree not to combine a Dispute that is subject to arbitration under our Terms with a Dispute that is not eligible for arbitration under our Terms.
The arbitration will be administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules in effect at the time the arbitration is started, including the Optional Rules for Emergency Measures of Protection and the Supplementary Procedures for Consumer-Related Disputes (together, the “AAA Rules”). The arbitration will be presided over by a single arbitrator selected in accordance with the AAA Rules. The AAA Rules, information regarding initiating a Dispute, and a description of the arbitration process are available at www.adr.org. The arbitrator will decide whether a Dispute can be arbitrated. The location of the arbitration and the allocation of fees and costs for such arbitration shall be determined in accordance with the AAA Rules.
“Excluded Dispute” means any Dispute relating to the enforcement or infringement of your or our intellectual property rights (such as copyrights, trademarks, domains, logos, trade dress, trade secrets, and patents). For clarity and notwithstanding the foregoing, those Disputes relating to, arising out of, or in any way in connection with your rights of privacy and publicity are not Excluded Disputes.
Y. Limitation on Time to File Claims
Z. Waiver and Severability
AA. Entire Agreement