TRANSFERSTOME TERMS OF USE
Effective Date: 10/02/2025
These Terms of Use (hereinafter, the “Terms” or the “Agreement”) set forth the rules and procedures for using the “TransfersToMe” mobile application (hereinafter, the “Application” or the “Service”) and are entered into by and between you (hereinafter, the “User,” “you”) and TransfersToMe LLC (registration number 3847 LLC 2024, Saint Vincent and the Grenadines) (hereinafter, “TransfersToMe,” the “Company,” “we,” “our,” or “us”). If you do not agree with these Terms in full, you must discontinue using the Application immediately.
1. ACCEPTANCE OF THE TERMS
1.1. Capacity and Age
The Application and its services are not intended for individuals under the age of 18.
By using the Application, you confirm that you are at least 18 years old and possess all the necessary rights to enter into this Agreement.
If you do not meet these criteria, you do not have the right to use our Service.
1.2. Acceptance
By registering in the Application, checking the relevant boxes, or starting to use the Service, you are deemed to have fully agreed to these Terms and the Privacy Policy.
2. DEFINITIONS
For the purposes of these Terms, the following terms have the meanings specified below:
“TransfersToMe” / the “Company” / “we” / “our”: TransfersToMe LLC, a legal entity that owns and operates the Application.
“User,” “you”: an individual at least 18 years of age who has installed the Application and uses the services it provides.
“Manager”: an authorized representative of the Company who interacts with Users within the Application, including coordinating transfer conditions.
“Partner”: any individual or entity cooperating with the Company to provide Users with additional services, including the receipt and/or sending of fiat funds.
“Application” / the “Service”: the TransfersToMe mobile application and related services and features (including the chat with the Manager).
3. RIGHT TO MAKE CHANGES
3.1. Updates to the Terms
The Company reserves the right to modify or supplement these Terms at any time. The new version takes effect once it is published in the Application, unless otherwise specified in the text of the changes. We are not obligated to notify the User individually about such changes, and the User is responsible for checking for updated Terms in the Application.
3.2. Acceptance of Changes
Your continued use of the Application after updated Terms have been published indicates your acceptance of them. Such changes are not retroactive and generally do not affect actions performed by the User prior to their effective date. The User undertakes to periodically review the Terms for any changes or additions. If you do not agree with the updated version, you must immediately stop using the Service.
4. SERVICE OVERVIEW AND LIMITATIONS
4.1. Purpose and Functionality
The TransfersToMe Application allows Users to coordinate fiat money transfers with the help of a Manager via the Application’s chat.
The essence of the service is as follows: The User, through the chat with the Manager, indicates the amount, currency, destination country, and bank for the transfer or receipt. The Manager then finds a suitable option (another User or a partner’s office) and provides the necessary details for the transfer.
4.2. No Participation in Monetary Transactions
TransfersToMe is not a bank, payment agent, or any organization engaged in receiving and/or transferring funds.
The Company does not accept or hold Users’ fiat funds in its accounts.
All monetary transfers are conducted directly between Users (or between a User and an external Partner) outside the Application (via banks, payment systems, partner offices, etc.).
4.3. Fees and Compensation
The Service is provided free of charge to Users, and the User has no financial obligations toward TransfersToMe.
When transfers are made through partner services or offices, those Partners may charge their own commissions, fees, or payments (including, but not limited to, bank, payment, or transaction fees).
TransfersToMe may receive compensation from Partners for Users’ use of partner services in the Application. Such compensation does not affect the cost or settlement terms between the User and the Partners.
4.4. Service Availability
The Company makes reasonable efforts to keep the Service running smoothly but does not guarantee the absence of downtime or technical failures.
Support for specific transfer methods (bank, cash, partner office) may vary depending on geographic region, legal restrictions, and other factors.
4.5. Compliance with Local Laws
The User is solely responsible for ensuring that use of the Service does not violate the laws of the jurisdiction where they are located or carry out transfers.
If local regulators or banks impose restrictions, the Company is not liable for the inability to fully use the Service.
4.6. Taxes
The User independently calculates, verifies, and pays any and all taxes and duties (including, but not limited to, sales tax, use tax, excise taxes, VAT, import and export fees, withholdings, and other mandatory payments) that may be assessed or become payable in connection with transfers or other transactions under local law.
The Company and its affiliates do not determine whether any taxes apply to the User’s transactions, do not collect or remit taxes, and do not provide any tax advice or reporting for such transactions.
The User agrees to indemnify the Company and its affiliates for any claims, fines, or other expenses arising from the User’s failure to pay or properly report taxes that may have been due in connection with transactions.
5. USER OBLIGATIONS AND RIGHTS
5.1. Providing Accurate Information
During registration and throughout the use of the Application, you must provide only current and truthful information.
The User may not impersonate another person or provide someone else’s personal data (name, surname, documents, logins, email, phone number) without that person’s direct, prior, and informed consent.
At the Manager’s request, the User must provide additional documents (e.g., for identity verification under KYC procedures).
5.2. Compliance with KYC, AML, and Other Requirements
The User must follow Know Your Customer (KYC), Anti-Money Laundering (AML), and Counter-Terrorism Financing (CTF) procedures by providing all necessary information.
Identity verification (KYC) is conducted by a third-party service, which exclusively stores all photos or scanned copies of documents needed to confirm identity. The Company does not receive or store such files.
If the User refuses to cooperate in the verification process (or if there are reasonable grounds to suspect illegal activity), the Company may suspend access to the Application without prior notice.
5.3. Use of Personal Accounts
Transfers must be made strictly from/to accounts belonging to the User whose identity is verified within the Service.
If there is a need to use an account held by a third party, this is permitted only with separate approval from the Manager and the provision of necessary grounds.
5.4. Responsibility for Transfers
Before sending funds, the User must verify the accuracy of the details provided by the Manager.
The Company is not responsible for the consequences of incorrect details, delays, or errors by banks or payment systems.
5.5. Proper Communication
It is prohibited to use offensive, threatening, discriminatory, or otherwise inappropriate language when communicating with the Manager or referring to other individuals or entities in the chat.
In the event of a violation of this clause, the Company reserves the right to block or restrict access to the Service.
5.6. Account Registration
Use of the Application is impossible without creating a personal account.
During registration, the User provides an email address and a phone number, which may be used for system notifications or verification codes. Upon completion of registration, unique login credentials and a password are created for the account.
The User must ensure the security of their login and password and must not disclose them to third parties. All actions taken within the account are deemed to be undertaken by the User.
In the event of loss or compromise of account access, the User must promptly notify the Manager. Account access may be restored via the password reset procedure by email or another method provided in the Application.
5.7. Deleting an Account and KYC Data
To delete an account, the User must contact the Manager through the in-app chat with the appropriate request. Once received, the account will be blocked or deleted within a reasonable time.
In cases of gross or repeated violation of these Terms, the Company reserves the right to delete the User’s account without prior notice and prohibit them from re-registering in the Application.
KYC (identity verification) procedures are performed by a third-party service. When an account deletion request is made, TransfersToMe also sends a request to this service to delete the User’s KYC data, unless further retention is required by law or for dispute resolution.
After deleting the account, access to the Application ceases, and all data that the Company directly processes is subject to deletion in accordance with the Privacy Policy, unless further retention is required by law or for dispute resolution.
5.8. Device Compatibility and Security
The User is responsible for ensuring that their device and its software (operating system, antivirus, etc.) meet the necessary technical requirements and provide secure operation of the Application.
The Company is not liable for problems arising from the User’s device failing to meet minimum system requirements or from inadequate protection against malicious software.
5.9. Prohibited Actions
The User may not engage in or assist any actions that could harm the Application’s operation, functionality, or software, including but not limited to:
1. Uploading and distributing viruses or malicious code.
2. Taking actions leading to failures or shutdowns of the Application and/or deteriorating its appearance and functionality.
3. Using any means for unauthorized access to the Company’s services, databases, or other resources.
The User may not perform any unlawful, fraudulent, discriminatory, or misleading actions in connection with the use of the Application.
5.10. Right to Deny Service
The Company reserves the right to deny service or suspend access to the Application (including deleting the User’s account) if there are substantial grounds to believe that continued service may harm the Company, other Users, or violate the law/these Terms. In such cases, the Company may refrain from disclosing to the User the detailed reasons for its decision.
6. DISCLAIMER OF WARRANTIES
6.1. “As Is” Application
The TransfersToMe Service is provided “as is” and “as available.” The Company makes no express or implied warranties, including (but not limited to) warranties of merchantability, fitness for a particular purpose, uninterrupted operation, or accuracy of results.
6.2. Disclaimer on Technical Failures and Modification of the Application
The Company may periodically experience hardware or software failures, errors, and other issues that require time to detect and fix. This may result in downtime, delays, or errors in the Application’s operation.
The Company reserves the right, at any time and without prior notice, to modify, revise, update, suspend, or discontinue the Application (or certain features) for any reason.
The User agrees that the Company is not liable for any losses, damage, or inconvenience caused by the User’s inability to access or use the Application during downtime, errors, or termination of operation.
Nothing in these Terms obligates the Company to ensure continuous availability or uninterrupted operation of the Application. Any delays, failures, interruptions, or vulnerabilities in the Service’s operation cannot serve as grounds for claims against the Company by the User.
6.3. No Financial Advice
Nothing in the Application or in communications with the Manager should be construed as financial, investment, or legal advice. The User independently evaluates risks and makes decisions related to transfers and the choice of payment instruments.
Any information on rates, fees, transfer methods, etc., is for reference only and may change without prior notice.
7. LIMITATION OF LIABILITY
7.1. Exclusion of Indirect Damages
Under no circumstances shall TransfersToMe, its shareholders, directors, employees, partners, or agents be liable for indirect, incidental, punitive, or other damages (including lost profits or data) arising from the use or inability to use the Service, even if the Company has been advised of the possibility of such damages.
7.2. No Liability for Third-Party Actions
We are not responsible for any acts or omissions of third parties, including banks, payment services, Partners, other Users, or mobile and internet service operators. Any disruptions or limitations caused by such third parties do not provide grounds for claims against the Company.
7.3. Transactions Between Users
Since funds are transferred directly between Users (or between a User and an external Partner), any claims related to incorrect deposits, dishonest counterparties, or fraud must be addressed directly to the other party in the transaction, not to the Company.
The Company cannot act as a guarantor, surety, or insurer for any transaction.
8. INTELLECTUAL PROPERTY
8.1. Ownership
The “TransfersToMe” Application and all content posted within it or on any related platform (including but not limited to text, graphics, logos, design, databases, source code, as well as all improvements, modifications, and derivative works) are owned by the Company or used under appropriate licenses.
8.2. Restrictions on Use
The User is granted a limited, non-exclusive, non-sellable, and non-transferable right to use the Application solely for personal, non-commercial purposes and in accordance with these Terms.
No intellectual property rights not explicitly stated in these Terms are transferred to the User. Any reproduction, copying, distribution, modification, public display, or any other use of the Application’s materials without the Company’s prior written consent is strictly prohibited.
8.3. Trademark Protection
“TransfersToMe,” the corresponding logo, and other trademarks (registered or unregistered) used in the Service are the property of the Company or its licensors. Use of these marks without permission is prohibited.
8.4. Comments, Feedback, and Suggestions
Any ideas, suggestions, comments, or feedback provided by the User to the Company may be used by the Company for any purpose (including improving the Service) without additional notice or compensation to the User.
9. DISPUTE RESOLUTION
9.1. Initial Stage
In the event of a dispute, the User must first contact the Manager via the in-app chat, describing the issue and providing any relevant evidence (e.g., screenshots, receipts).
The Manager will attempt to help resolve the conflict.
9.2. Preliminary Review
If the conflict cannot be resolved through the in-app chat, the User may submit a formal complaint to the Company’s email: manager@transfersto.me.
The Company will review the complaint within a reasonable time and provide a response, which is not a court ruling but rather a recommendation.
9.3. Appeal to Competent Authorities
If the parties do not reach an agreement through negotiations, any remaining disputes shall be resolved in accordance with the laws of the country where the alleged violation occurred.
10. PRIVACY POLICY AND DATA PROTECTION
10.1. Link to the Privacy Policy
The collection, storage, and processing of personal data is governed by our Privacy Policy. These Terms should be read together with that Policy.
10.2. KYC and Documents
When conducting identification procedures (KYC), we may request copies of documents, selfies, proof of address, etc. from Users.
Failure to provide such data may result in suspension or blocking of the account.
10.3. Anonymous Analytics and Cookies
When using the web version or additional features, we may collect anonymized statistical data to improve the quality of the Service.
11. ADDITIONAL PROVISIONS
11.1. Assignment of Rights
The Company may assign its rights and obligations under this Agreement to third parties without additional consent from the User.
The User may not assign or transfer their rights under these Terms without the Company’s written consent.
11.2. Entire Agreement
These Terms, together with the Privacy Policy, constitute the entire agreement between the User and the Company, superseding any prior or simultaneous agreements or understandings, whether oral or written, regarding the subject matter hereof.
11.3. Contact Us
For questions about these Terms, the Privacy Policy, or any other matters related to the operation of the Service, you can reach us at:
12. FINAL PROVISIONS
12.1. Effective Date
This edition of the Terms becomes effective on the date specified at the beginning of this document. Your use of the Service after that date indicates your full acceptance of these Terms.
12.2. Disagreement
If you disagree with any provision of these Terms, you must immediately stop using the Application.
12.3. Partial Invalidity
If any provision of these Terms loses legal force or is deemed invalid under applicable law, the remaining provisions shall continue in effect as if the invalid provision had never existed.
Thank you for choosing TransfersToMe! If you have any questions or concerns, please contact us at manager@transfersto.me.