TERMS AND CONDITIONS

DOUBLES XPRESS MONEY TRANSFER SERVICES ARE PROVIDED SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS (“Agreement”) AND APPLICABLE LAW. Additional information regarding Services may be obtained from the Doubles Xpress Money Transfer Internet site at www.doublebuildingsociety.com.

Availability services depends on selected Services conditions including amount sent, destination country, currency availability, regulatory issues, identification requirements and location hours .The designated recipient (“Receiver”) may receive funds sent by Doubles Xpress Money Transfer customers (Customers) at Agent locations in the Expected Payout Location. For transaction sent within the U.S., Expected Payout Location generally means any Agent location in the destination state Identified by the Customer, or an adjacent state. For transactions sent outside the U.S., Expected Payout Location generally means any Agent location in the destination country Identified by the Customer. The Receiver will normally receive funds sent by Customers in cash, check or a combination thereof, or In selected U.S. locations, a Doubles Xpress Money Transfer payout card(future). Payout card or check Receivers may incur additional fees to access funds. Transactions: (i) which exceed certain amounts; (ii) to certain destinations; (i) that implicate certain regulatory issues; or (iv) sent Through delayed options may take longer, be subject to dollar limits or be subject to additional restrictions. Transactions may be reported to applicable authorities. TELEPHONE NOTIFICATION, MESSENGER DELIVERY and SUPPLEMENTAL MESSAGES may be included for an additional fee with qualifying Services.

TEST QUESTIONS: In many destinations Services that include test questions may be paid to the receiver, if the receiver can provide the test question answer OR identification. In some destinations the receiver may be required to provide identification, the test question answer or both. ADMINISTRATION CHARGE: Transactions not picked up or canceled by Customer within one year of the send date will be assessed a non-refundable administration charge of up to fifty cents per month from the send date, not to exceed forty-two dollars, which wilt be deducted from the amount sent (or where such charge exceeds the maximum amount permitted by law, the maximum amount permitted by law).

REFUNDS: PRINCIPAL REFUNDS and cancellation of the money transfer will be made if payment to the Receiver has not been made when Doubles Xpress Money Transfer processes Customer’s written request. TRANSFER FEE REFUNDS are generally made if funds are not available to the Receiver within Doubles Xpress Money Transfer’s specified timeframes. Qualifying refunds will be made within 45 days of receipt of Customer’s valid written request.

DISPUTES:  Any dispute or claim arising from or relating to this transaction, including disputes regarding this paragraph, shall be settled by binding arbitration administered by The National Arbitration Forum (“NAF”) under its Code of Procedure in effect when the dispute is filed, and shall be arbitrated in the most populous city in the state where the transaction was sent. Each party shall bear its own attorneys’, experts’ and witness fees. Neither party shall have the right to participate as a member of any class of claimants pertaining to any claim. Third parties’ claims shall not be joined in any arbitration between the parties. Information may be obtained and disputes may be filed at a NAF office, www.arbitration-forum.com, or at P.O. Box 50191, Minneapolis, MN 55405. This paragraph is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act, 9
U.S.C. §1-16. EXCEPT AS EXPRESSLY PROVIDED IN THIS PARAGRAPH, THE PARTIES WAIVE ALL RIGHTS TO A COURT OR JURY TRIAL TO RESOLVE AGREEMENT DISPUTES.

LIMITATIONS OF LIABILITY: IN NO EVENT SHALL DOUBLES XPRESS MONEY TRANSFER SERVICES BE LIABLE FOR DAMAGES WHETHER CAUSED BY NEGLIGENCE ON THE PART OF ITS EMPLOYEES, SUPPLIERS OR AGENTS OR OTHERWISE, BEYOND THE SUM OF $500 (in addition to refunding the transaction amount and the transfer fees and except as provided in California Financial Code § 1810.5 (c)), UNLESS CUSTOMER HAS OBTAINED A HIGHER LIABILITY UMIT BY CALLING THE CUSTOMER SERVICE TELEPHONE NUMBER BELOW AND PAYING ADDITIONAL CHARGES THEREFORE. IN NO EVENT SHALL DOUBLES XPRESS MONEY TRANSFER OR ITS AGENTS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR THE LIKE.

CURRENCY EXCHANGE: INTERNATIONAL SERVICES:
Payments will generally be in local currency In addition to the transfer fees applicable to this transaction, a currency exchange rate will be applied. United States currency is converted to foreign currency at an exchange rate set by Doubles Xpress Money Transfer. Any difference between the rate given to Customers and the rate received by Doubles Xpress Money Transfer will be kept by Doubles Xpress Money Transfer (and Its Agents in some cases) in addition to the transfer fees. Please ask the clerk for information concerning the currency exchange rate applicable to your transaction. You may also find out the current foreign exchange rate provided by Doubles Xpress Money Transfer to its customers by calling 1-508-852-3500
The transfer fees and the money that Doubles Xpress Money Transfer (or Its Agents) makes when it changes your dollars into foreign currency may vary based on the payout currency that you select. Some Doubles Xpress Money Transfer Agents may offer receivers the choice to receive funds in a currency different from the one you selected. In such instances, Doubles Xpress Money Transfer (or its Agents) may make additional money when it changes your funds into the currency selected by the Receiver. If you choose a payout currency different from the national currency of the country to which you are sending money, the payout currency you choose may not be available at all Doubles Xpress Money Transfer Agent locations in that country, or may not be available in small enough denominations to pay all of your money transfer. In such cases, the paying Agent may pay all or part of your transfer in the national currency.

GENERAL: This Agreement, together with all items incorporated in it by reference, embodies the entire understanding among the parties. It supersedes all prior understandings and cannot be modified orally. Doubles Xpress Money Transfer has the right to assign this Agreement to any party, at any time without Customer’s consent. Services are directed to persons 1 8 and over. The English language Agreement version controls if there is any inconsistency between the English and non-English versions. Customer and Receiver represent that their use of Services shall not violate
 (a) Any law, including without limit any laws relating to money laundering, illegal gambling activities, support for terrorist activities or fraud; and/or (b) this Agreement. Information provided to Doubles Xpress Money Transfer shall be truthful and complete. Customer shall indemnity Doubles Xpress Money Transfer and its Agents for all losses of any kind (including attorneys’ fees) arising out of any Agreement breach by Customer or Receiver. Doubles Xpress Money Transfer reserves the right to change Services without notice. Doubles Xpress Money Transfer and its Agents may refuse to provide Services to any person. Doubles Xpress Money Transfer does not guarantee delivery or suitability of goods or services paid for with Services. Doubles Xpress Money Transfer is not an escrow service provider. Customer and Receiver agree not to use Services for escrow purposes.
DOUBLES XPRESS MONEY TRANSFER PRIVACY Policies: Doubles Xpress Money Transfer may disclose your personal information to third parties as explained In Doubles Xpress Money Transfer’s Privacy Statement (“statement”). To obtain a copy of the Statement, ask your Doubles Xpress Money Transfer Agent or call 1-508-852-3500
Information disclosed may include financial background; identification, such as name and address; transaction information; and other information relating to financial matters. Recipients may include financial institutions; retailers; companies that process transactions or provide other services for us; government agencies; and direct marketers. You may opt out of (direct us not to make) certain disclosures. if you do not opt out, we will assume that you agree that your information may be used as the Statement describes. To opt out, call 1-508-852-3500
For inquiries or comments in English, please write to:
DOUBLES XPRESS MONEY TRANSFER FINANCIAL SERVICES, .
P.O. Box 60127 Worcester MA, 01606