Terms and Conditions


Policy Effective as of June 1, 2015
This website is provided by MURFIELD INVESTMENT AG a Switzerland Corporation DBA MITTERE, a leader in global money transfer services. The following agreement details how you may use this Site and the services made available through it. By your use of this Site and our Services you agree with and accept the following terms and conditions, otherwise, please don’t use the Site.

Intellectual Property


This Site, including all text, graphics, logos and image, as well as all other MITTERE copyrights, trademarks, service marks, products and service names are the exclusive property of MITTERE, and may not be used for any purpose without express written permission from MITTERE.

Disclaimers


This Site and the services made available are provided without any warranty of any kind, or condition, expressed, implied or statutory. MITTERE, its subsidiaries, employees and correspondents specifically disclaim any implied warranties of merchantability, fitness for a particular purpose and non-infringement.
MITTERE reserves the right to review all transactions, and may choose to hold any transaction until payment is received from the funding source.
MITTERE will use its best efforts to ensure the timely processing of transactions, refunds or credits, but makes no claims or warranties regarding the time needed to process a transaction, refund or credit to completion. Refunds or credits to the payers funding source may take between 3-5 business days from the time is issued. For security, prior to accepting and releasing funds for a transaction, MITTERE reserves the right to validate the identity and account holder; the funding source and funds availability from the sender; and to validate the location or receipt type (bank account, credit/debit card) of the recipient.
MITTERE assumes no responsibility and shall not be liable for any damages or losses of any kind caused by the use of this Site or Services made available through it. This disclaimer includes damages caused by computer viruses, worms, bots or any other computer software problems that may infect or damage your computer software, hardware, memory or any other property of yours as a result of your accessing this Site or using the Services.

Indemnity


You agree to indemnify, defend and hold MITTERE, its affiliates, officers, directors, owners, employees, contracted service providers, representatives, correspondents and agents harmless from any claim or demand made by any third party, including any and all losses, damages, liabilities, including attorneys' fees, costs and expenses of any kind relating thereto, arising from your use of the Services made available through this Site, your violation of these terms and conditions, or your violation of law or intentional wrongdoing. You also agree to indemnify MITTERE (et al above) for any delay in the acceptance, processing, and completion of transaction, refund, or credit until MITTERE’s proprietary verification and validation processes are complete.

Dispute Resolution and Governing Law


Any controversy, dispute, or claim arising out of or in relation to your use of this Site or the Services made available through it shall be governed by and construed in accordance with the laws of Zug, Switzerland.

Improperly Filed Litigation


All claims brought against MITTERE must be resolved in accordance with these terms and conditions. All claims inconsistent with these terms and conditions shall be considered as improperly filed, and in breach of these terms and conditions. In such event, MITTERE shall be entitled to recover its reasonable attorneys' fees and costs (including in-house attorneys and paralegals), provided that MITTERE has served you with written notification of said improperly filed claim, and said claim has not been withdrawn.

Waiver of Class Action Rights


By entering into these terms, you hereby irrevocably waive any right you may have to join claims with those of others in the form of a class action. Any claims arising out of, relating to, or connected with these terms and the Services must be asserted in the party's individual capacity only.

Communications


You agree that the following categories of information may be provided to you and received by you via this Site: (i) this Agreement and any amendments, modifications or supplements to it; (ii) any initial, periodic or other disclosures or notices provided in connection with the Services made available through this Site, including without limitation those required by the law; (iii) any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Services; (iv) any other communication related to the Services made available through this Site.

Entire Agreement


This Agreement, together with all other provisions incorporated herein by reference, represents the entire agreement and understanding between you and MITTERE with respect to the use of this Site and the Services made available through it.

No Waiver


Failure by MITTERE to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision. If any provision of this Agreement is found to be invalid, the parties agree to endeavor to give appropriately valid effect to the intention of this Agreement as reflected in the provision, and the other provisions of the User Agreement shall remain in full force and effect.

Modification


MITTERE may modify and change this Agreement without notice, except as may be required by law. The most current version of this Agreement may be viewed at any time by visiting this Site. If you do not agree with any changes or modification, you may terminate your account on the Site and your use of the Services. If you use the Services after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification.

Language


In the event that there may be any inconsistency between the English and or any language text on this Site, including this Agreement, the English text shall always prevail.

Frauds and Scams


MITTERE considers your security to be of the utmost importance. We dedicate substantial resources and implement state-of-the-art measures to ensure that your information is secure. Nevertheless, we strongly urge you to be wary of sending money to any person whom you do not know well. In particular, you should be cautious of deals or offers that seem too good to be true.
If you are aware of anyone using the Services inappropriately, please email us at girodirecto@enMITTERE.com. If you receive any fake (phishing) emails, purporting to be from MITTERE, please forward them to us at girodirecto@enMITTERE.com.

Customer Complaints


Please let us know if you have any problems with the Site or Service. You can contact us using the contact information at the bottom of this User Agreement.

Overview of the Services


MITTERE provides first-quality money transfer services and has developed these online remittance services via website, mobile applications or other electronic means, which allow people to send and receive money to and from certain locations around the world. A "Sender" is someone who uses the Service to send money. A "Recipient”, “Beneficiary", “Biller” or “Payee” is someone who receives money from a Sender through the Service or our Site(s). The "Sender Country" is the country in which the Sender is located and requests to send money through the Service or our Site(s). The "Recipient Country" is the country in which the Recipient receives money through the Service. A "Transaction" is a specific instruction to send money through the Service. The "Transaction Amount" is the amount that the Sender provides to MITTERE to send the Transaction. The "Payout Amount" is the amount paid out to the Recipient, excluding any taxes or charges that may be levied under the laws of the Recipient Country (the "Local Taxes"). Payout Amount currency may be designated by Sender based on Recipient Country availability. “Service Fees” are the cost MITTERE charges in addition to the currency amount.

Service Not Available to Certain Users


The Service may not be available in whole or in part in certain US states, Canadian provinces and in whole or in part in different countries and jurisdictions as determined by local laws and regulations.

Restrictions


MURFIELD INVESTMENT AG DBA MITTERE is a licensed money-transfer business, and therefore maintains zealous vigilance to ensure that the Services are not used for any improper or illegal purpose. By using the Services you agree to abide the following additional terms:
You may not provide false or inaccurate information to MITTERE when using the Services.
You may not utilize the Services to send funds for other people, especially persons whom you do not know.
You must be at least 18 years of age to utilize the Services as a Sender.
You must be able to form legally binding contracts under applicable law. Other restrictions may apply.
You may not use the Services for any improper purpose, such as illegal on-line gambling, illegal purchase of controlled substances or prescription medication, purchase of firearms or explosives, fraud, money laundering, prostitution or child-trafficking, or financial support of terrorists or terror-supporting organizations.
You may not use the Services to send multiple Transactions under different names or account numbers.
You may not attempt to avoid the Identification, record-keeping or reporting requirements.
You may not access Site by use of an anonym proxy.
You may not use any automatic device, or manual process to monitor or copy our Site.
You agree that you are the sole owner of the funding source being used to fund the transaction.
You agree that you are not using a corporate account, or any funding source for which you do not have justification to use for said transactions.
The Services may not be available to customers from all states, provinces and/or countries; eligible countries are available on the site.
The Services may not be used to send funds to all countries; not all countries are ‘Destination Countries’ currently served by MITTERE.
MITTERE reserves the right to decline or reject, at its sole discretion, any Transaction at any point before the delivery of the underlying funds.
MITTERE reserves the right to validate your bank account prior to releasing your transaction. This verification process may include holding a transaction until funds are collected and confirmed from your Funding Source. When this occurs, Recipient receives funds 3-4 business days after account validation.
MITTERE reserves the right to review any transaction as part of our security monitoring process. We may review transactions to protect you and your account from fraudulent activity. This security review and validation may delay the release of funds.
At our sole discretion, we may refuse to process Transactions for certain Senders and Recipients, including without limitation, those entities and individuals included on certain government and commercially available "watch lists".

Licensing


MURFIELD INVESTMENT AG is a company established in 2012 licensed by ARIF (Association Romande des Intermédiaires Financiers) to provide financial services.

Customer Identification Program


In doing our part in the fight against financial crime and terrorist financing activities, we are compelled by International laws to obtain, verify and record personal and private information about our customers. Other personal data pertaining to you may be obtained from other sources with or without your knowledge, including information that we may gather about you when utilizing the Services. Periodic account reviews may result in additional verification and validation of personal or private information, and may delay completion of transaction until validation is complete. We may contact you for further information, documentation and verification before we complete a transaction. This verification process may delay the processing of your transaction.
By policy and legal mandate information about you and your transactions may be provided to government authorities and enforcement agencies. To learn more about how MITTERE uses and discloses your information, please review the Privacy Policy.

Information Verification


MITTERE will make inquiries it deems necessary to verify information provided by you. You hereby authorize MITTERE to make such inquiries as it deems necessary, directly or through public and private third parties, to ascertain the accuracy of such information.

Consumer Complaints


In the event of any problems or complaints, please contact MITTERE by mail at MURFIELD INVESTMENT, attn: Customer Service, Bahnhofstrasse 21, 6300 Zug, Switzerland.

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. Any requests for amendment to the transfer may result in cancellation of the transaction.

Anti-money Laundering


Money laundering is the attempt to conceal or disguise the nature, location, source, ownership, or control of money. MITTERE has a comprehensive compliance program within its organization to ensure compliance with government rules and regulations. We do not want MITTERE services to be used in illegal money laundering activities. It is our policy that we follow both the letter and the spirit of the law and the regulations.

Provide Accurate Information


You agree to provide your true, accurate, current and complete online banking login credentials, and you agree to not misrepresent your identity or your authority to use those credentials.

Fees and Charges


You agree to pay MITTERE a service fee for each transaction submitted for processing by you, plus any additional charges that may apply to the Transaction, plus the amount of money to be sent to the person receiving the funds ("Beneficiary").

Payment of Transfer


Payment is due at the time you submit a transaction to MITTERE and we have received confirmation of payment.

Non-Sufficient Funds


In the event that you submit a transaction for which MITTERE incurs in “NSF” (Non-Sufficient Funds) charges, chargeback fees, or other similar expenses, you agree to reimburse MITTERE for all and any such fees, charges and expenses. Each occurrence of an NSF will result in a $10.00 (USD) “NSF Fee”. Fees due to us can be collected when incurred, or may be deducted from the principle amount of your next or future transaction. MITTERE reserves the right to collect NSF Fees from any of the Payment Instruments (which may include one or more bank account, credit card and/or debit card) that you have linked to your account, in accordance with this Agreement.

Transfer Amount Adjustment


In cases where transactions are funded from the sender's ("Remitter's") bank account, you hereby authorize MITTERE to charge your bank account for a lesser amount, than the amount of the transfer (i.e., for a transfer of $500, MITTERE may debit the bank account for $499.98), as part of our effort to confirm ownership of the account.

Collection of Payment for Transactions


In order for us to collect payment from you, you hereby authorize MITTERE to access, charge, or debit funds from any of the payment instruments you provide as a user of the Service, so that MITTERE may collect all payments, fees, reimbursements and charges due to MITTERE in connection with your use of the Service (a "Payment Instrument" includes but is not limited to credit cards, debit cards or bank accounts). You are responsible for ensuring that there are sufficient funds available in the designated account in order to complete all transactions you authorize.
If for any reason the funding bank provides MITTERE with an NSF notice, or refuses to pay for any reason, we reserve the right to cancel transaction, and/or your account, and collect an NSF Fee as noted above (see Fees and Charges).
If for any reason, the Recipient bank account being used for deposit of funds refuses the receipt of a transaction for any reason, we reserve the right to cancel transaction. Please note that due to timing issues, we may not be made aware of such decline notices for a period of 5-7 days after transaction is made to MITTERE from the Recipient’s bank. The result of this may cause a delay in the cancellation, and the refund to your funding account. MITTERE will not be held liable for any delayed deposits, rejections, or returns from the receiving bank.

Other Charges May Apply


MITTERE is not responsible for any fees or charges that may be imposed by financial institutions associated with the Payment Instrument(s) you choose to use. Some credit card issuers may treat the use of your credit card to use the Service as a "cash-advance" and, as such, may impose additional fees, service charges and interest on the transaction. MITTERE is not responsible for any such practices and those of any other institutions and any such events outside of MITTERE control. MITTERE is not responsible for reimbursement of charges imposed to you by any financial institution or company or person you pay using Service. You agree to be responsible for insufficient funds charges, Non-Sufficient Funds (NSF) fees, late fees, chargeback fees, overdraft, cancellation, or other similar charges that might be imposed on you by your bank, credit card or debit card issuer, or any other funds provider.

Mobile Services


The Service and Site may also be accessible via a mobile device. To the extent you access the Service or Site through a mobile device, your wireless service carrier's standard charges, data rates and other fees may apply. Use of Service and Site via a Mobile device is deemed as acceptance of this Agreement without Amendment.

Foreign Currencies


MITTERE and its "Payer Correspondents" (defined below) will usually make a profit when a transaction is contracted in one currency, and the underlying funds are paid out to the beneficiary in another. Such profit is realized based on the difference between the exchange rate at which MITTERE buys foreign currency and the exchange rate provided to you. By using the Services, you hereby agree to and acknowledge such practice.

Payer Correspondents


MITTERE maintains relations with local and international banks, money exchange houses, bill payment services, and other third party service providers (each, a "Payer Correspondent") to deliver funds to recipients (“Beneficiaries”). As a Remitter, you hereby appoint your Beneficiary as your agent for the purpose of receiving funds remitted by you through the Service.
MITTERE will strive to provide current information through our Site with regard to locations, availability, and hours maintained by our Payer Correspondents. However, as a User, you agree that MITTERE will bear no responsibility for any inaccuracies that may be posted on this Site. You also agree that we are not to be held liable for any delay in transmission of any transaction, refund or credit being issued to or from your Account. MITTERE will not be held liable for inability to collect funds based on Payer Correspondents office or banking hours, rules or policies they have established for funds collection and/or funds disbursement.

Beneficiary's Identification


Beneficiaries may be required to present valid and acceptable identification documents prior to receiving funds. In addition, there may be cases where Beneficiaries may be required to provide certain transaction-related identifier such as a Transaction Number, which may also require a corresponding personal identification number (or PIN), a "password", and/or a similar verifier associated with their Transaction, before funds are released. User hereby grants MITTERE permission to store the data MITTERE may consider necessary in order to provide complete and efficient Service, as per this Agreement. Beneficiary may be required to provide valid, current, government issued photo identification to collect funds.

Right to Refuse or Limit Transactions


At its sole discretion, MITTERE may refuse any transaction or limit the amount to be transferred, whether on a transactional or aggregate basis. At the sole discretion of MITTERE, such limits may be imposed on individual accounts, linked accounts, related accounts or households. MITTERE reserves the right to change or discontinue the Services (or any part thereof) to any person with or without prior notice.

Due Diligence and Verification


MITTERE has a regulatory obligation to verify customer information, and to monitor and track certain types of transaction activity. Customer information that MITTERE may have to verify may include customer identity, instructions and means of payment for a Transaction. These processes may cause certain Transactions, Refunds or Credits to be delayed or rejected.

Limitations on Funding Instruments


Not all Payment Instruments are eligible for use with all services at all times. MITTERE reserves the right, at its sole discretion, to refuse or reject payment by certain types of Payment Instruments.

No Post-Submission Changes


No changes will be permitted to your transaction after its submission for processing. It is the Remitter's responsibility to ensure overall accuracy in the transaction details.

Transaction Status


For the security of the Account, and to protect against fraud and misuse, we only provide transaction information to the sender ("Remitter"). We may choose not provide information to any other party, including the Recipient, Beneficiary, Biller or Payee except as expressly required by law.

Bank Validation


When adding a new, or updating a bank account, we may require it be validated prior to use, and to confirm the Sender as owner of funding account. Failure to comply with validation process may delay or result in the cancellation of a transfer.

Clearing Process


MITTERE may require that funds be verified as available by the issuer of the funding payment instrument prior to release of a transaction to a Recipient. Please note that this authorization, approval and transfer of funds (“Clearing Process”) may take three to five (3-5) business days.

Cancellation


A Transaction can be cancelled as long as the funds have NOT been PAID out to the Recipient, Beneficiary, Biller or Payee. To request the cancellation of a Transfer, the Sender contacts MITTERE customer service (via phone, email, or chat). Due to standard bank and funds clearing processes, this refund or credit may take 3-5 business days to clear and be refunded to the Sender’s Account.

Refund


A Sender is eligible for a refund if the transaction was cancelled, and we had previously debited the funds from the Sender’s payment source. Due to standard bank and funds clearing processes, this Refund or Credit may take 3-5 business days to clear and be refunded to the Sender’s Account.

Call and Communications Monitoring


In order to ensure the quality and security of our service, we may monitor or record any telephone conversation you have with us. Additionally, we may monitor and keep communications, written, verbal and electronic, you’ve had with us on file for training and security purposes. Communication includes email, chat, voice, social media, etc.

Contact Us


You may contact us by mail at MURFIELD INVESTMENT, attn: Customer Service, Bahnhofstrasse 21, 6300 Zug, Switzerland.