ZAPSEND LLC.
User Terms & Conditions
Effective 4/23/2026

PART 1: GENERAL TERMS
 

Section 1. Definitions
 

Capitalized terms that are not otherwise defined in this User Agreement have the following meanings:

• “Account” means an account we provide you through which you may obtain one or more of our Services.

• “App” means a mobile application used to offer our Services.

• “Business Day” means Monday through Friday, excluding public holidays, in the United States.

• “Channel” means any website, mobile application, or interface used to offer our Services.

• “Disbursement Partner” means a third party who will disburse funds and handle other in-country services to recipients to complete a Transfer.

• “Exchange Rate” means the price of one country’s currency compared to another’s at the relevant time for the relevant currency pair (e.g., GBP to EUR) that we offer for a specific transaction, which we determine based on central bank and market rates.

• “Fees” mean those fees and charges that we charge you for use of our Services.

• “Money Transfer Services” has the meaning given to it and as more fully described in Part 2, Section 1, below.

• “Payment Instrument” is an instrument, for example a debit or credit card, bank account, or mobile application, used to make a payment into your Account.

• “Payout Amount” is the amount paid out to the Recipient.

• “Recipient” is a person who receives money sent by a Sender using the Money Transfer Service.

• “Regulation E” is the regulation at 12 C.F.R. Part 1005, inclusive of its appendices and supplements, that implements the Electronic Fund Transfer Act in the United States of America.

• “Sender” is a Zapsend LLC customer who may use the Money Transfer Service to send money.

• “Service Provider” is a third party that either you or Zapsend LLC, as context requires, uses in connection with the Services, examples of which may include your Payment Instrument issuer, an internet service provider, a mobile device manufacturer and network operator, our distribution partners, etc.

• “Transaction Amount” is the amount in US dollars that the Sender provides to Zapsend LLC for transmittal to the Recipient.

• “Transfer” is a Sender’s order to send money through the Money Transfer Service.

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Section 2. Eligibility for the Services

 

1. Age and Capacity. You must be at least 18 years old, a resident of Alabama, and legally capable of entering into a binding contract.

2. Others. You may not submit or receive a transaction on behalf of any other person

3. Alabama Residents Only. ZapSend’s services are currently available to Alabama residents only, with a phased rollout to additional U.S. states subject to regulatory approval. We may request proof of identity and residency at any time. International and out-of-state senders are not permitted at this time.

1. Offer and Acceptance. If you submit a transaction, you are requesting that we process your transaction, an offer that we may refuse or delay a transaction only where required by law, risk controls, fraud prevention, or system security needs.

2. Multiple Accounts. You may only have one active Account. If we determine that you are using multiple accounts we reserve the right to merge, suspend, or terminate one or more of your Accounts or limit, suspend, or terminate your use of the Services.
    

Section 3. Services Restrictions.
 

1. General. We may refuse any transaction or limit the amount to be transferred, either on a per transaction or aggregated basis. ZapSend may refuse or delay a transaction only where required by law, risk controls, fraud prevention, or system security needs. We reserve the right at any time to modify or discontinue all or any part of the Services. 

2. Delays. Your transaction may be delayed by our effort to verify your identity and validate your Payment Instruments and otherwise to comply with laws or manage our financial risk. You may be entitled to a refund in certain circumstances and you may cancel your transaction at any time while it is pending. You must provide accurate and complete information during registration and when using our services.

3. Commercial Transactions. You should only use the Services to send money to a person you are familiar with, or to a person you trust (for example if the Service permits a transaction for a commercial purpose such as to pay a utility bill). You accept that using the Services to pay for goods and services is at your own risk. We are not responsible for the quality or delivery of any goods or services that you pay for using the Services and are not liable to any third parties for any losses they may incur as a result of your use of any of our Services. You are responsible for safeguarding your account credentials and device security

4. Impermissible Use. You may not use the Services in violation of this User Agreement or applicable laws, rules, or regulations. It is a violation of this User Agreement to use the Services for any of the following: human trafficking, sexually-oriented materials or adult services, dating, romance, advance-fee or investment scams, gambling activities, dealing with cryptocurrency assets, fraud, money laundering, the funding of terrorist organizations, or the purchase or sale of tobacco, tobacco related paraphernalia, firearms, prescription drugs, or other controlled substances. If you use the Services in connection with illegal conduct, Zapsend LLC reserves the right to report you to law enforcement and take other actions it deems suitable in compliance with applicable law. You agree to promptly notify ZapSend of unauthorized activity or suspected fraud.

5. Ineligibility. We may refuse transactions from certain Senders and to certain Recipients that are included on the Specially Designated Nationals list, Non-cooperative Countries and Territories list, and such other lists as issued by different governmental agencies and international organizations. You will comply with all applicable federal and state laws, including AML and sanctions regulations.

6. No Changes. We generally do not let you change the details of your transaction once it’s submitted to us for processing. It is your responsibility to make sure your transaction details are accurate.

7. Compliance Screening
   All transactions are screened in real time through our platform as well as licensed compliance service providers. ZapSend reserves the right to delay or decline any transaction that triggers a regulatory or fraud alert.

8. Restricted Activities. In connection with your use of one or more of our Channels or the Services, or in the course of your interactions with Zapsend LLC or any user of another third party in respect of our Services, you will not:

   1. breach this User Agreement, or any other agreement between you and Zapsend LLC;

   2. provide false, inaccurate, or misleading information;

   3. refuse to cooperate in an investigation or provide confirmation of your identity;

   4. use an anonymizing proxy; or

   5. use any automatic device, or manual process to monitor, access, or copy our website or App.
       

Section 4. How and Why We Collect Personal Information
 

1. Privacy Policy: By agreeing to this User Agreement, you acknowledge and consent to our Zapsend Privacy Policy.

2. Customer Identification Program: Pursuant to applicable law, rules, and regulations we obtain, verify, and record information about you. We may require that you provide us with nonpublic, personal, identifying information. We may also lawfully obtain information about you from other sources without your knowledge, including non-personal identifying information that we may obtain while you visit or use our website or App. Personal data may be used for identity verification, fraud detection, compliance with the Bank Secrecy Act (BSA), and reporting to regulators. Please see our Zapsend Privacy Policy for further information.

3. Disclosures: We may provide information about you and your transactions to third parties, including government authorities, law enforcement agencies, and our Disbursement Partners. For more information about our disclosure practices, see our Zapsend Privacy Policy. ZapSend may share necessary user data with authorized payment processors and compliance service providers solely to facilitate transaction processing, fraud prevention, and AML verification.

4. Verifying Information: You authorize us to make any inquiries, to you or to others, which we deem reasonable or necessary to validate the information that you provide to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your email address or financial instruments, verifying your information against third-party databases, or through other sources.

5. Payment Card Data Security: ZapSend maintains strict data-security controls consistent with Payment Card Industry Data Security Standard (PCI DSS) Level 1 requirements. All payment information is encrypted, tokenized, and transmitted using secure industry protocols. ZapSend does not store full card-number or CVV data in any form accessible to personnel.

 

Section 5. Opening an Account

1. Complete Your Profile. To use our Services, you must create and complete your profile where we will store certain information about you (a “Profile”). We will use the information in your Profile to determine if you are eligible to open an Account and use our Services by assessing potential fraud and other risks if you use our Services. You are responsible for keeping your mailing address, email address, telephone number, and other contact information complete, accurate, and up-to-date in your Profile. To complete your Profile, you must: (a) agree to this User Agreement; (b) be at least 18 years old; (c) live in the United States or on a US military installation; (d) provide us with complete, accurate, and truthful information about you and how you will use our Services (including any documents we may reasonably request); (e) create a password, personal identification number or other security credential (“Security Credentials”) and complete all registration tasks; (f) complete eligibility requirements or other actions that we, our, or your Service Providers may need to allow you to access and use the Services; and (g) download our App.

2. Current Customers. If you are already a customer, by entering into this User Agreement you give us permission and authorize us to use your current profile information, including Payment Instrument method information, to assist you in completing your Profile.

3. Account Opening. If you meet our eligibility requirements and all terms and conditions of this User Agreement, your Account will be opened. You can access your Account through our App, or other available Channels.

4. Account Statements. You can access a record of your transactions in your Account in the App at any time.

 

Section 6. Error Resolution

1. What is an Error? In general, an “Error” includes, without limitation, each of the following:

   • An Unauthorized transaction.

   • When money is either incorrectly taken from your Account or incorrectly placed into your Account, or when a transaction is incorrectly recorded in your Account.

   • An incorrect amount is credited to or debited from your Account.

   • A transaction is missing from or not properly identified in your Account statement.

   • We make a computational or mathematical error related to your Account.

   • You request a receipt or Account documents that we are required to provide to you.You request additional information or clarification concerning a transfer to or from your Account, including a request you make to determine whether an error has occurred.You request documentation or other information unless the request is for a duplicate copy for tax or other record-keeping purposes.In addition to the Errors described above, you have specific error resolution rights with respect to our Money Transfer Service, which are described in Part 2, Section 1.14 below.

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Error Resolution Timing

• If you believe an Error has occurred, you;

• Must contact us within 180 days of the date we promised that funds would be made available to the recipient. When you do, please give us:

1. Your name and address;

2. Telephone number

3. The Error or problem with the transfer

4. The name of the Recipient of the funds

5. If you know it, their telephone number or address

6. The dollar amount of the transfer

7. The confirmation code or number of the transaction

 

• We’ll determine whether an Error occurred within 90 days of you contacting us, and we’ll correct any Error promptly.

• We’ll tell you the results within three business days after completing our investigation.

• If we decide that there was no Error, or if the Error  is a different type or amount than you reported, we’ll give you a written explanation. You can ask for copies of the documentation we relied upon to make this determination.

• Contact :

  • By Phone: +1-682-294-0762 or Through all phone numbers available on our Zapsend LLC website

  • By Post: Zapsend LLC, 2100 Southbridge Pkwy #650-162, Birmingham, AL 35209, USA

  • Online: Through our Zapsend App or by Chat available on the Contact Us page

   

Section 7. Zapsend LLC’s Intellectual Property

You acknowledge that the Service, including the content of our website, App, text, graphics, logos, and images, as well as all other Zapsend LLC copyrights, trademarks, logos, and product and service names are owned exclusively by us or one of our affiliates (the “Zapsend LLC Intellectual Property”).

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You agree not to display, use, copy, or modify the Zapsend LLC Intellectual Property in any manner other than as permitted by this User Agreement so that you may use the Services. You are authorized solely to view and retain a copy of the pages of our website and App for your own personal, non-commercial use. You further agree not to: (a) use any robot, spider, scraper, or other automated device to access the Services; (b) remove or alter any author, trademark, or other proprietary notice or legend displayed on this website (or printed pages thereof); or (c) infringe Zapsend LLC Intellectual Property or any third party’s copyright, patent, trademark, trade secret, or other intellectual property rights, or rights of publicity or privacy.

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If you provide us with any suggestions, feedback, reviews, or input (“Feedback”) related to our Services, we and our affiliates will own all right, title, and interest in and to the Feedback, even if you have designated the Feedback as confidential. We and our affiliates will be entitled to use the Feedback without restriction, including for marketing or business purposes. You assign to us all right, title, and interest in and to the Feedback and agree to provide us with any assistance we may require to document, perfect, and maintain our rights in the Feedback. For this purpose, the word “assign” is a legal term that means to legally transfer the benefit, such as you legally transferring the benefit of the Feedback to us. By submitting feedback, users grant ZapSend a perpetual, royalty-free license to use such input to improve its Services.

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Section 8. Disclaimer of Warranties

We make reasonable efforts to ensure that transactions are processed in a timely manner, but we make no representations or warranties regarding the time needed to complete processing or our ability to successfully process any transaction request. The Services are dependent on many factors outside of our control.

 

Your rights in respect of warranties may vary state to state, and you may have a right to a refund as expressly described herein. Consistent with federal law, if the Payout Amount is not available to the Recipient by the availability date shown on your transaction receipt, you can use the error resolution process described in Section 6 to notify us of the issue and you may be entitled to remedies under federal law, including a refund of our Fees. We take measures to protect your personal data, but we cannot guarantee that unauthorized third parties will not be able to defeat those measures and access your personal data. Any personal data you provide us is at your own risk.

 

We are not responsible for any viruses or harmful technologies that may affect our website, App, or Services. ZapSend’s liability is limited to the amount of the transaction plus applicable fees, except where gross negligence or willful misconduct applies.
We are not liable for delays or failures caused by external financial institutions, system outages, or events beyond our control.

 

Section 9. Liability for Unauthorized Transactions.

1. To protect yourself from unauthorized activity in your Account, you should regularly log into your Account and review your transaction history and Account statements, and you should never share your Security Credentials or any one-time passcodes with anyone. Both your transaction history and Account statements are available in the App and you may contact Customer Care to assist you in accessing a copy of your transaction history and Account statements. Transaction receipts can also be found in the App. We will notify you of each transaction through the App. You must have provided us with at least one valid method of communication to use the App and it is your responsibility to ensure that your communication preferences are kept up to date. Please review these transaction notifications to ensure that you authorized each transaction and that it was accurately completed.

2. By law, certain protections are afforded to you in connection with unauthorized activity in your Account. We will provide certain protections to you as long as you cooperate with us and follow the procedures described below.

3. What is an Unauthorized Transaction? An “Unauthorized Transaction” occurs when money is sent from your Account that you did not authorize and that did not benefit you. For example, if someone steals or fraudulently obtains your Security Credentials (or the Security Credentials of your Authorized Recipient), uses the Security Credentials to access funds in your Account, and sends a payment using those funds, an Unauthorized transaction has occurred.

4. What is not an Unauthorized Transaction? It is not an Unauthorized transaction if you grant authority to someone to use your Account by giving them your login information and they exceed the authority you gave them. You are responsible for transactions made in this situation.

5. Reporting an Unauthorized Transaction. If you believe your login information has been lost or stolen, please contact Customer Care immediately via the App; or call us at +1 682 294-0762 (toll number) or write to : Zapsend LLC, 2100 Southbridge Pkwy #650-162, Birmingham, AL 35209 USA.

6. Please tell us as soon as possible if you believe that an electronic fund transfer has been made without your permission using your Account information or by other means. This will help prevent further loss. Telephone or the App is the best way of keeping your losses down. If your Account statement shows transfers that you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was made available to you, you may not get back any money you lost after the sixty (60) days if we can prove that we have stopped someone from taking the money if you had told us in time.

 

Section 10. Limitation of Liability

Under the Electronic Funds Transfer Act (“EFTA”), you are entitled to bring a cause of action against us for any failure on our part to comply with our obligations under the EFTA. If we are found liable, ZapSend’s total liability shall not exceed the transaction amount, associated fees, and documented consequential losses directly arising from negligence or regulatory breach. You are also entitled to the costs of the action and a reasonable attorney’s fee as determined by the tribunal.

EXCEPT FOR THE PRIVATE RIGHT OF ACTION PROVIDED TO YOU UNDER THE EFTA, IN NO EVENT SHALL ZAPSEND LLC, OUR AFFILIATES, OUR SERVICE PROVIDERS, OR OUR OR EACH OF THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, REPRESENTATIVES, OR EMPLOYEES BE LIABLE TO YOU FOR ANY OTHER DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES BEYOND THE SUM OF $100 (IN ADDITION TO REFUNDING THE TRANSACTION AMOUNT AND FEES), INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF ZAPSEND LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM NEGLIGENCE ON THE PART OF ZAPSEND LLC, DISBURSEMENT PARTNERS, OR OUR OR THEIR RESPECTIVE SUBSIDIARIES, OFFICERS, AGENTS, PARTNERS, REPRESENTATIVES, OR EMPLOYEES.

Customer Dispute Assistance. Before initiating arbitration or card-issuer disputes, users are encouraged to contact support@zapsend.com. ZapSend will make every effort to resolve complaints or refund requests within ten (10) business days.

 

Section 11. Dispute Resolution and Governing Law

1. Governing Law. This User Agreement is governed according to the laws of the State of Alabama, and all activities performed in connection with the Services shall be deemed to have been performed in Alabama. Any controversy, dispute, or claim between us arising out of or relating to the Services or this User Agreement (a “Claim”) shall be governed by and construed in accordance with the Federal Arbitration Act, 9 U.S.C. § 1 et seq., and the laws of the State of Alabama, except that body of law governing conflicts of law.

2. Disputes with Zapsend LLC. If you have a dispute regarding the Services you may make a report to Customer Care online or call us at +1 682 294-0762 (toll number) or write to : Zapsend LLC, 2100 Southbridge Pkwy #650-162, Birmingham, AL 35209 USA.

3. Arbitration. You and Zapsend LLC agree that any Claim will be settled by binding arbitration, except that each party retains the right to bring an individual action in small claims court. If a party elects arbitration, the arbitration will be administered by American Arbitration Association (the “AAA”), an established alternative dispute resolution provider, under its Consumer Arbitration Rules. The AAA Consumer Arbitration Rules are available at adr.org. You and Zapsend LLC agree that each of us may bring claims against each other only on an individual basis and not on a class, representative, or collective basis. You acknowledge and agree that you and Zapsend LLC are each waiving the right to trial by jury or to participate as a plaintiff or class member in any purported class action or representative proceeding.

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Forum for Disputes: For any claim or dispute that arises between us that is not subject to arbitration under Section 12, you and Zapsend LLC agree that such dispute must be resolved by a court located in Birmingham, Alabama. You and Zapsend LLC agree to submit to the personal jurisdiction of the courts located within Birmingham, Alabama for the purpose of litigating all such claims or disputes.

 

Section 12. E-Sign Disclosure and Consent Notice

Electronic Communications from Zapsend LLC. By accepting this User Agreement as indicated below, you consent to receive and view disclosures, notices, statements, and other communications (collectively, “Communications”) from Zapsend LLC relating to your Account electronically by any of the following means:

• Text to your mobile phone number associated with your Account (which may include a link to Communications on our website or in our Services), including through the use of an automatic telephone dialing system or similar device to do so;

• To your email associated with your Account; or

• Notifications from our website or App.

Delivery by any of these means will constitute proper notice to you under applicable law. You acknowledge that Communications will include, but may not be limited to, the following:

• Our website, Privacy Policy, or User Agreement (“Policies and Agreements”);

• Disclosures or amendments we may provide you with under our Policies and Agreements;

• Activity and any other information regarding your use of our Services and Account;

• Receipts, confirmations, status updates, authorizations and transaction history for your Account;

• Communications regarding the resolution of any claimed errors; and

• Communications required or permitted by law or regulation.

 

Your Right to Revoke Consent: Because we communicate electronically, you must provide your consent to receive Communications electronically in order to establish an Account and use our Services. You may withdraw your consent to receive all Communications electronically by contacting our Customer Care through the App. If you fail to provide, or if you withdraw, your consent to receive Communications electronically, we will decline to establish an Account for you, or we will terminate, suspend, or decline to provide the Services, unless you are entitled by applicable law to receive non-electronic Communications.

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Hardware and Software Requirements: In order to receive Communications, whether by text or email, you need to have a means of printing or storing them. In addition to having an email address and phone number you must have the following:

• A computer or mobile device with Internet connection;

• A current web browser with cookies enabled;

• A valid email address on file in your Account;

• Ability to store or print the Communications; and

• If you use a spam blocker, you must add transactionhelp@Zapsend.com to your email address book or whitelist (collectively, “System Requirements”).

We reserve the right to change these System Requirements and will provide you with a Communication when we make a material change to the System Requirements.

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Receiving Texts and Emails: In order to receive Communications, you must ensure that the primary mobile phone or email address that you provide us is your valid, current phone number or email address, and you are able to receive at that address texts or email messages containing Communications including attached electronic documents and that such Communications, including portions that are attached documents are available for viewing and storing or printing by you. You agree to promptly update your email address by updating your Account if your email address changes. You acknowledge that our ability to notify you of the availability of your Communication is contingent on the validity of your mobile phone number and email address in our records. You understand and agree that if we send you a Communication and you are unable to receive the Communication because you provided inaccurate or blocked contact information or if the Communication is otherwise unavailable to you, we will deem such Communication provided to you. However, if your mobile phone or email address is no longer valid, we reserve the right to determine your Account is inactive or take other actions as set forth in this User Agreement. You will not be able to conduct any transactions in your Account until you update your mobile phone or email address in your Account.

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Reservation of Rights: The Services do not allow for Communications to be provided in paper format or through other non-electronic means. However, we reserve the right to provide you with any Communication in writing, rather than electronically. You agree to maintain on file with us your current street address and to promptly update your address in the event it changes by updating your Account. Although we may waive our fee for delivery of paper Communications, we reserve the right to charge a Communication request fee and to increase this fee at our discretion.

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Print Disclosures: We recommend that you print a copy of this User Agreement and any Communication that you view electronically for your records as the Communication may not be accessible online at a later date.

 

Your Consent: By clicking on the “Sign Up” button in our sign up flow, which you adopt as your electronic signature, you agree that (a) we may provide Communications to you electronically, on the terms and conditions set forth in this User Agreement, (b) the consent shall last until you revoke your consent, and (c) you meet the System Requirements specified above. If you do not wish to receive Communications electronically, you will not be able to open an Account with us to use our Service.

 

General: You understand and agree that we are responsible for sending the Communications to you electronically by email or text to the address in your Account profile or through the Services. We are not responsible for any delay or failure in your receipt of the email or text notices and whether or not you choose to view the Communication, subject to your right to revoke your consent to receive Communications electronically.

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Section 13. Term and Termination of this User Agreement

Term of this User Agreement: This User Agreement starts when you accept the electronic version of it or begin using the Services (such as when you register for the Services on our website or our App). In either case, that date is the starting date of this User Agreement between us. This User Agreement will continue until it is terminated by you or us. There is no minimum period for how long this User Agreement will continue. 

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Terminating this User Agreement: You can terminate this User Agreement at any time and for any reason by contacting us: Zapsend LLC, call us at +1-682-294-0762 or through the App. We can also terminate this User Agreement at any time and for any reason.

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Effect of Termination of this User Agreement: When this User Agreement ends: (a) you must immediately stop using the Services; (b) you are still responsible for paying us any and all Fees owed to us before the User Agreement ended; (c) all licenses provided to you under this User Agreement will immediately end; (d) we can delete all of your Account information that we stored for your use of our Services (except if we are required by applicable law to retain it for a certain amount of time); and (e) we are not liable to you or any third party for any issues arising from your inability to access the Services or for deleting your information or Account data.

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Terms and Conditions that Will Continue: Any sections or provisions of this User Agreement that are necessary to enforce the purpose of this User Agreement after it has ended will continue to remain in effect after this User Agreement ends.

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Section 14. General

Unclaimed Property: If your Account contains funds and we are unable to contact you and have no record of your use of the Services for several years, applicable law may require us to report these funds as unclaimed property. If this occurs, we will try to locate you at the address shown in our records, but if we are unable to locate you, we may be required to deliver any such funds to the applicable state as unclaimed property. We reserve the right to deduct a dormancy fee or other administrative charges from such unclaimed funds, as permitted by applicable law. We do not currently deduct a dormancy fee or other administrative charges from such unclaimed funds (See Exhibit A and B below).

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Third-party Website Links and Content: Any external links to third-party websites or third-party content on our website or App are provided as a convenience to you and does not imply Zapsend LLC’s endorsement of the third-party website or content. These sites are not controlled by us in any way and we are not responsible for the accuracy, completeness, legality, or any other aspect of these other sites including any content provided on them. You access such websites at your own risk.

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Entire Agreement: This User Agreement constitutes the entire agreement between you and Zapsend LLC and governs your use of the Services, superseding any prior agreements between you and Zapsend LLC.

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No Waiver: The failure of Zapsend LLC to exercise or enforce any right or provision of this User Agreement shall not constitute a waiver of such right or provision. If any provision of this User Agreement is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavor to give appropriately valid effect to the intention of the User Agreement as reflected in the provision, and the other provisions of the User Agreement shall remain in full force and effect.

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Force Majeure: Events beyond Zapsend’s reasonable control may cause failure or delay in the performance of the Services to the extent such failure or delay is caused by matters beyond our reasonable control, including, without limitation: changes in applicable laws; closure or unavailability of required physical or network infrastructure; telecommunications or internet failure; government actions; sovereign default; power failure; civil unrest; war; and natural disasters including, but not limited to, earthquake, fire, or flood. ZapSend shall not be liable for service interruptions caused by events beyond its reasonable control; however, ZapSend will take reasonable steps to resume service promptly. 

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Modification of User Agreement and Services: ZapSend may modify these Terms upon 30 days’ notice to users through the App or website. Continued use after notice constitutes acceptance. You can review the most current version of the User Agreement at any time by reviewing this website. You may end your use of the Services if you do not agree with any modification or amendment by contacting us: Zapsend LLC, call us at +1-682-294-0762 or through the App. You agree that you shall not modify this User Agreement and acknowledge that any attempts by you to modify this User Agreement shall be void. From time to time we might offer new services or updates to existing Services, such as maintenance, resolving security threats, fixing bugs, making upgrades, and so on, to the Services. We may also require you to update digital content (like our App) from time to time.

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Other Terms: This User Agreement may be supplemented by other terms applicable to the Services you use. These terms are incorporated into this User Agreement by reference. To the extent that any of these terms are determined to be in conflict with this User Agreement, this User Agreement shall control. Additional terms may apply to specific transactions and, when presented to you through our Channels, will be part of this User Agreement.

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Language: This User Agreement is drafted in the English language and translations may be provided in other languages. You agree that the English version of the User Agreement will control in the event of any inconsistency between the English and translated versions in any dispute related to this User Agreement.

 

Contact Information: Questions, notifications, and requests for refunds or further information can be sent to us, as follows:

 

1. App - Zapsend

2. Online - Through chat within the Zapsend 

3. By Phone - +1-682-294-0762

4. By Post - Zapsend LLC, 2100 Southbridge Pkwy #650-162, Birmingham, AL 35209, USA

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Taxes: You agree to comply with applicable tax laws when using the Services, including any reporting obligations and paying taxes that become due when you use our Services.

 

Fees From Your Service Providers: Your Service Providers may charge you additional fees when you use our Services. For example, some credit card issuers may charge you additional fees and interest because they treat using your credit card for some of our Services as a “cash advance.” Other fees for which we are not responsible include third-party fees, such as charges imposed by your Payment Instrument issuing financial institution or bank for overdraft, not sufficient funds, or ATM withdrawals. You are solely responsible for all fees charged by your Service Providers in connection with your use of our Services.

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Security: Your security is important to us and we use a variety of security measures to make sure that your information is secure. If you think you have been or might be a victim of fraud, please contact us immediately. For Zapsend LLC, call us at +1-682-294-0762

 

Licenses and Registrations: Zapsend LLC. is a U.S. state licensed money transmitter (NMLS No. 2680609) and is registered as a money services business with the Financial Crimes Enforcement Network. 

 

PART 2: SPECIFIC SERVICE TERMS

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Section 1. Money Transfer Service

If you use our Money Transfer Service, the following additional terms and conditions apply.

1. Money Transfer Service. This Section describes our money transfer service (the “Money Transfer Service”). The Money Transfer Service allows you to send international money transfers from the United States to another person across the World in countries served by Zapsend LLC. More information about the scope of the Money Transfer Service can be found in our Zapsend LLC FAQ Pages.

2. Known Recipients. Users are advised to send funds only to trusted and verified recipients. ZapSend reserves the right to flag or block transfers to unknown or unverified payees under our AML policy

3. Availability. Our Money Transfer Service is generally available 24 hours a day, 365 days a year; however, there may be times when the service is unavailable (for example, if we need to make improvements to our systems).

4. Information Needed for a Money Transfer. To use the Money Transfer Service you are required to provide us certain information in respect of you, the Recipient, and your preferred payout method. Examples of the information we will require are provided below. 

 

• Information To Be Provided for All Payout Methods;

  • In respect of you:

    1. Full name

    2. Date of birth

    3. Place of birth

    4. Physical address

    5. Account number or other reference number (if applicable)

• Mobile Money (M-Pesa)

  • In respect of the Recipient:

  1. Full name

  2. Mobile Phone number

  3. Reason for sending

 

You may need to provide us additional information we may request to complete the Transfer. All information you give us about a Transfer must be accurate (e.g., the amount of money you want to transfer and the details of the Recipient). Once we have received your Transfer request, it is normally not possible to make any changes. 

 

1. Providing Payment Instrument Details: You must provide your Payment Instrument details, such as any card details, including your card number, full name as shown on the card, expiration date, and CVV or CVC or security code, and address. By adding money via any Payment Instrument, you attest that the Payment Instrument details are correct and that you are authorized to access and use such Payment Instrument. There may be single and/or monthly transaction limits.

2. Storing Payment Instrument Information: You agree and authorize us to store your Payment Instrument information for your convenience and future use. We will store this information securely. Payment Instruments previously added to your Account may be available for your use through the App to add or load money.

3. Payment Instrument Requirements: In addition to other requirements described in this User Agreement, all Payment Instruments must not be expired. You authorize us to verify your Payment Instrument is in good standing by submitting a test payment request for a low value amount and carrying out checks with your Payment Instrument issuer. We will follow your Payment Instrument issuer and any payment scheme rules when completing test payments and will refund you any test payment amounts.

4. Money Transfer Timing: Transfers may take different amounts of time depending on a variety of factors including, but not limited to, the country of destination, the currency, the payout method, and other items. As such, we do not guarantee the timing of a Transfer.

5. Fees and Exchange Rates: When using our Money Transfer Service, you agree to pay our Fees and any Exchange Rates that may apply. You may have to pay other charges (e.g., taxes or a charge your bank requires for making a money transfer) related to your use of our Services, which are outside of our control and not charged by us. Based on your Transfer request we may need to convert the currency of the money you transfer. This could happen when you send money to a recipient in a different country. Before you complete a Transfer, we will inform you of: (a) the total amount you will pay for the Transfer (including the amount of money you request to transfer plus our Fees) among other items required by applicable law; and (b) any Exchange Rate that may apply (note that Exchange Rates may change depending on how long you take to complete a Transfer, in which case the latest applicable Exchange Rate will be provided). There is a difference between the Exchange Rate we buy currency at and the Exchange Rate we provide to you, and we usually make money from this difference. There may be additional charges or taxes imposed by a third party that are outside of our control. Our Fees and Exchange Rates can change at any time without notice to you. 

6. Acceptance of Transfer Requests: We are not required to process every Transfer request you make. We may refuse to provide the Money Transfer Service at any time. When possible, we will inform you when and why we have not processed a Transfer request as permitted by applicable law. We are not liable for loss or damage as a result of our refusal to process a Transfer request.

7. Limits on Money Transfers: We may put limits on the number and value of transfers that you can make in any period of time (e.g., daily, weekly, or monthly).

8. Canceling Transfers: You have the right to cancel a Transfer and obtain a refund of all funds paid to us, including any Fees. We may have offered promotional credits from time to time. These credits are not refundable. In order to cancel, you may contact us within the application or at the phone number or email address on your receipt. Transfers may be canceled and refunded within 24 hours or until disbursement confirmation, whichever occurs first. When you contact us, you must provide us with information to help us identify the Transfer you wish to cancel, including the amount and location to where the funds were sent. We will refund your money within three (3) Business Days of your request to cancel a Transfer as long as the funds have not already been picked up or deposited into a Recipient’s account. All approved refunds will be issued to the original payment method used for the transaction, unless otherwise required by law. Refunds are typically processed within 3–5 business days after approval. No cash refunds are issued.

9. Chargeback Handling: In the event a user disputes a transaction through their card issuer or payment provider, ZapSend will cooperate fully with the investigation and will provide proof of authorization, identity verification, and delivery records as required. Users agree to provide any information reasonably requested to support resolution of the dispute. If the chargeback is determined to be valid, ZapSend will comply with all applicable card-network rules regarding reimbursement. ZapSend continually monitors chargeback ratios and implements preventive measures to maintain levels below 0.25 % in accordance with acquirer policy.

10. Money Transfer Errors: You have specific error resolution rights with respect to our Money Transfer Service. The types of Errors subject to the resolution requirements described in this section are:

    • You pay an incorrect amount in connection with the Transfer.

    • We make a computational or mathematical error related to your Account.

    • We do not make available to the Recipient the total amount disclosed on the transaction receipt (unless certain exceptions apply).

    • We do not make funds available to the Recipient by the date of availability stated on the transaction receipt (unless certain exceptions apply).

    • You request additional information or clarification concerning a Transfer, including a request to use to determine whether an Error has occurred.

 

If you believe an Error has occurred with our Money Transfer Service, you must contact us within one hundred eighty (180) days of the date we promised that funds would be made available to the Recipient. When you do, please give us: (a) your name and address; (b) telephone number; (c) the Error or problem with the Transfer, and why you believe it's an Error or problem; (d) the name of the Recipient receiving the funds, and if you know it, their telephone number or address; (e) the dollar amount of the Transfer; and (f) the confirmation code or number of the transaction. We’ll determine whether an Error occurred within ninety (90) days of you contacting us, and we’ll correct any Error promptly. We’ll tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no Error, or if the Error is a different type or amount than you reported, we’ll give you a written explanation. You can ask for copies of the documentation we relied upon to make this determination.
 

Your Consent: By clicking on the “Sign Up” button in our sign up flow, which you adopt as your electronic signature, you agree that (a) we may provide Communications to you electronically, on the terms and conditions set forth in this User Agreement, (b) the consent shall last until you revoke your consent, and (c) you meet the System Requirements specified above. If you do not wish to receive Communications electronically, you will not be able to open an Account with us to use our Service.

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General: You understand and agree that we are responsible for sending the Communications to you electronically by email or text to the address in your Account profile or through the Services. We are not responsible for any delay or failure in your receipt of the email or text notices and whether or not you choose to view the Communication, subject to your right to revoke your consent to receive Communications electronically.