These Terms and Conditions (“Terms”) govern your access to and use of the S-Express money transfer application (“the App”). By creating an account or initiating a transfer, you acknowledge that you have read, understood, and agree to be bound by these Terms.
Eligibility
To use our services, you must:
– Be 18 years of age or older;
Hold a valid bank account within the European Economic Area (EEA);
– Complete all required identity verification steps.
S-Express reserves the right to decline service to any individual who does not meet these requirements.
Fees and Charges
Applicable fees, foreign exchange margins, and any other charges will be clearly displayed before a transaction is confirmed. By proceeding, you authorize S-Express to deduct these charges from the transfer amount or collect them directly from your payment method.
Transfer Limits
Standard thresholds include:
– Daily limit: €2,000
– Monthly limit: €5,000
Limits may be adjusted based on compliance requirements.
User Responsibilities
Users are responsible for accurate transaction information, confidentiality of account credentials, and updating contact details. S-Express is not liable for errors resulting from incorrect information provided by the user.
Security & Data Protection
S-Express implements industry-standard encryption and authentication measures. Users acknowledge that absolute security cannot be guaranteed with any online service.
Indemnification
Users agree to indemnify and hold S-Express and its affiliates harmless from claims or losses arising from misuse of the app or violations of these Terms.
Governing Law
These Terms are governed by the laws of the jurisdiction where S-Express is headquartered.
Modifications
S-Express may amend these Terms at any time. Continued use of the app constitutes acceptance of updated Terms.
Refund Policy
Refunds may be requested only if:
– The request is submitted before the transfer receipt is issued.
– Transaction details are provided accurately.
– Applicable fees may be deducted.
– Refund requests are subject to S-Express review and discretion.
– No refunds are processed after the receipt is issued.
AML Compliance & Transfer Monitoring
Transfers exceeding limits may be investigated. Suspicious activity may result in account restrictions or reporting to authorities.
KYC Verification & Customer Due Diligence (CDD)
Users must provide valid identification and cooperate with ongoing verification requirements. Failure to comply may result in account suspension.
Acceptance of Terms
By using S-Express, users accept these Terms. Those who do not agree must discontinue use of the service.
