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Terms and Conditions

1. ACCEPTANCE OF TERMS OF SERVICE

The Terms of Service ("Agreement") sets forth the terms and conditions governing the use of our Service and provides important disclosures required by law. This Service is offered by Liberty Transfer International LLC, Merchant Bank Ghana Limited & Commercial Banks in Ghana (“Providers”). These Terms of Service are generally between you (also referred to as "Sender" or "User" or “Customer” or “Recipient”) and the Providers, each of which may rely on and enforce this Agreement. Kindly read this Agreement thoroughly. The use of the Service constitutes acceptance of these terms.

2. ELECTRONIC COMMUNICATIONS

A. General Consent; Categories of Records
Our Service is an electronic, Internet-based service, (the "Service"). Therefore, you understand and agree that this Agreement will be entered into electronically, and that, in accordance with applicable law (Delaware Law), the following categories of information ("Communications") may be provided by electronic means:
This Agreement and any amendments, modifications or supplements to it.
Your records of Payments and other transactions through the Service, including without limitation your history of Payments and e-mail confirmations of each individual transaction
Any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by applicable law. This may include verification of information provided by you to the Bank to ensure that all Payment requests are compliant with applicable laws and regulations
Any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by applicable law. This may include verification of information provided by you to the Bank to ensure that all Payment requests are compliant with applicable laws and regulations
Any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Service
Any other communication related to the Service

Although the Providers reserve the right to provide Communications in paper format at any time, you agree that they are under no obligation to do so. All Communications in either electronic or paper format will be considered to be "in writing" and in accordance with applicable law. You should print a paper copy of this Agreement and any electronic Communication that is important to you and retain the copy for your records. If you do not wish to review and understand this Agreement or the Communications electronically, you may not use the Service

B. Hardware and Software Requirements
In order to access and retain Communications, you must have:
An Internet browser that supports 128-bit encryption, such as Netscape Navigator version 4.0 or above or Internet Explorer version 4.0 or above
An e-mail account and e-mail software capable of interfacing with standard mail protocols
A personal computer, operating system and telecommunications connections to the Internet capable of supporting the foregoing
Sufficient electronic storage capacity on your computer's hard drive or other data storage unit
A printer that is capable of printing from your browser and e-mail software

C. Delivery of Electronic Communications
Subject to applicable law, Communications may be posted on the Service's pages within the Portal website or other website disclosed to you and/or delivered to the e-mail address you provide. All electronic Communications will be deemed to have been received by you no later than three (3) business days after a Provider sends it to you by e-mail or posts the Communication on the Portal website, whether or not you have received the e-mail or retrieved the Communication from the Portal website. An electronic Communication by e-mail is considered to be sent at the time that it is directed by the Provider’s e-mail server to the e-mail address provided by you. An electronic Communication by posting to the Portal website is considered to be sent at the time it is publicly available. You agree that these are reasonable procedures for sending and receiving electronic Communications.

D. How to Withdraw Consent
If you wish to withdraw your consent to have Communications provided in electronic form, you must cancel any pending Payments and stop using the Service. To cancel pending Payments, you must use the screens at the Portal's website. As detailed below, you may cancel Payments only within certain time frames. There may be fees to cancel a Payment.

E. How to Update Your Records
You agree to promptly update your Service records if your e-mail address or other information changes. You may update your records, such as your e-mail address, at the Service's "Edit Profile" pages within Portal's web site.
3. OVERVIEW OF SERVICE.

A. Description
Through the Portal, the Service allows you, the Sender, to fund and provide instructions to transmit money to individuals or businesses in another country using an Internet interface (each, a "Payment").

References in this Agreement to a "Recipient" apply to the person or entity to whom you are sending a Payment. All currency references are to your local currency, although Recipients may receive funds in their local currency. Depending on destination country rules, funds may be exchanged from your local currency to the Recipient's local currency prior to delivery to Recipient. In such instances, a representative exchange rate will be posted on Portal's Website and will be accessible to you from such website prior to your initiation of a Payment. Unless otherwise stated by a Provider, the actual exchange rate that will be offered to you for a Payment may differ from the representative rate indicated, depending on exchange rate variability. You should consult this representative exchange rate on each occasion you send a Payment. If there is any difference between the rate provided to you and the rate received by the Providers, any gains or losses will be borne by the Providers.
B. Relationship between the Parties
The Service is available through Liberty Transfer International, LLC website for Payments made by you as Sender. Liberty Transfer relies on partners in Ghana to disburse funds transmitted by you to recipients.
C. Eligible Users.
In order to use the Service, (i) you must be an individual person at least 18 years of age and able to form legally binding contracts under applicable law; (ii) you must have a postal mailing address in the country from which you originate Payments and a valid and active e-mail address; (iii) you must have a valid credit card, check card or deposit account with a financial institution in the country of payment origination; and (iv) your mailing address must match the billing address for your credit card, check card and/or deposit account (as applicable). The Providers may verify information that you provide and reserve the right to suspend your ability to use the Service if you do not satisfy these requirements.
D. Registration
You register for the Service by logging on to the Portal website and providing all the requested information. To initiate a Payment, you also enter the required information about the Recipient. For first time users, you will be charged a one-time fee of $4.75 for your address and identity verification. Then, based on your instructions, funds are then debited from whatever payment method you used (e.g., your debit card or credit card account). At Providers' discretion and subject to local laws, the Recipient may receive funds (i) electronically, (ii) by demand, in cash, at a physical location, (iii) in the form of a paper check issued upon a local bank, or (iv) such other manner as it available in that destination country.
E. Funding your Payments
You establish an Account and make a Payment by entering the required information on Portal's website and agreeing to the terms of this Agreement. There are various ways you can fund a Payment:
1. Credit and Check Cards
You can make a Payment by using a valid Visa, MasterCard, or Discover, or other credit card or check card account accepted for use of the Service by entering the required card information and authorization information at the Portal website. The address of record on the credit card or check card account you use to pay for the Payment must be the same as the postal mailing address you furnish when you register for the Service. Failure to comply with such requirement may result in a Recipient's failure to receive the Payment or a Payment not being processed. Entering a credit card or a check card or deposit account number constitutes your authorization for the Providers to debit the amount you enter on Portal's website, plus any applicable fees as set forth in this Agreement. Please note: Some credit card issuers may treat the use of your credit card to use the Service as a "cash advance" rather than as a purchase transaction; please consult your applicable credit card agreement.
2. Electronic Transfers (ACH)
You can pay for your Payment with an electronic draft -- an automated clearing house ("ACH") debit to a deposit account you maintain at a depository institution. The address of record on the deposit account you use must be the same as the postal mailing address you furnish to the Providers prior to your use of the Service, and you must properly respond to any notice the Providers send to that address. If you choose to initiate your Payment with an electronic draft, you are consenting to the following:

"I hereby authorize my existing bank to initiate credits to the Providers of this Service and to debit the same plus any applicable fees from my account at the bank I designate. I acknowledge that my request to credit the account must comply with all applicable law.
3. Miscellaneous
Payments may be initiated by any other means that will be made available from time to time on the Services website. Also, there is a $50.00 fee for returned payments due to insufficient funds (NSF).
F. Processing Time.
Receipt of funds by a Recipient is dependent upon when Recipient gets to the bank, the method of delivery Sender chose, data transmission to Recipient country as well as the processing of Sender’s payment instrument. Local laws and clearing system regulations applicable in the country where Recipient resides may also impact processing times. The Providers do not guarantee the timing of a Recipient's receipt of funds initiated pursuant to a Payment request from you.
G. Records.
Records of all Payments will be posted and updated on the Service website on a continuing basis; as such Payments are made and received. You may access these records at any time the Service is available in the manner specified in the instructions posted on the website. On a periodic basis, you will receive an electronic communication requesting that you review your transactions. Such Communication shall constitute "periodic" notice with respect to your obligation to notify the Providers of any improper transaction..
H. Funds Availability.
1. Credit and Check Cards.
You may make Payments as soon as the Providers receive final approval payment for your credit card or debit card purchase.
2. Electronic Transfers (ACH).
Funds from an ACH debit transaction are available for making Payments as soon as the Bank receives final (e.g., not provisional) payment. There may be a delay of up to seven (7) business days between the time you instruct your depository institution to make an ACH transfer and the time that those funds are received as final funds by the Bank.
I. Refused or Unclaimed Payments.
1. Payment not Processed
If an attempted funding transaction for the Service is returned unpaid or charged back for any reason, you authorize the Providers, in their discretion, to resubmit the transaction and consent to the applicable service fees.
2. Payment not Deliverable or Refused.
If a Payment is undeliverable, or if it is rejected by the Recipient, or if the Recipient does not claim the funds within one (1) year of delivery or availability (as applicable), the Payment will be canceled. Generally, the funds will be returned to you, minus a fee. However, because of currency export controls in effect in certain countries, it may not be possible to return an unclaimed or refused Payment to you. If this occurs, you will be notified of the inability to deliver the Payment to the Recipient and will be given the opportunity to designate a new Recipient in the same country. The Providers will then use their best efforts to direct that the funds be made available in the local currency to the new Recipient you designate. If a Payment is canceled, you will be notified by e-mail. You may be charged additional fees for processing and handling of such Payments. Should the Providers use reasonable efforts (i.e., email, telephone and written notice) and be unable to contact you for another three (3) months using the contact information provided by you, you authorize Liberty Transfer International LLC to designate an alternate beneficiary of the Payment at that time, using its sole discretion.
J. Canceling Payments.
GENERALLY, YOU DO NOT HAVE A RIGHT TO CANCEL A PAYMENT AFTER YOU INITIATE THE TRANSACTION. However, a Payment that is scheduled in advance may be cancelled at any time before the payment is initiated. A cancellation request must be submitted through the cancellation pages on the Portal website. If you call customer service to stop a payment you must confirm such stop payment in writing through the Service within 14 days of such call. You must enter your cancel payment request using the service. Scheduled ACH transactions take place at 2:00 pm in the Central Time Zone of the United States on the day that you chose for the Payment. The Providers will not be responsible or liable in any manner to you or any other person for the failure for any reason to cancel one or more Payments initiated through the Service. Once the Recipient receives the Payment, you may not reclaim the Payment through the Service, regardless of any dispute you may otherwise have with the Recipient regarding a transaction to which the Payment relates. You agree to pursue any such claims directly with the Recipient and agree that the Providers are not responsible or liable in any manner for any claims that you may have, or any claims made against you by any person, arising out of any dispute you may have with a Recipient.
K. Fees.
You will be charged fees with respect to each Payment, as set forth on the Portal website. Fees will be added to the amount you authorize to transmit to the Recipient resulting in a total amount that may be higher than the amount sent to the Recipient. Confirming a Payment in accordance with the directions on Portal's website signifies your concurrence with the current fee schedule. Fees are subject to change upon prior notice to you by any method permitted under this Agreement
L. Aggregate Limits and Geographic Limits on the Use of Service.
Use of the Service is limited. Your use of the Service will be subject to restrictions on the size of individual Payments and the volume of Payments that you may initiate in a given time period. These limits are at the sole option of the Providers and may be changed from time to time. You may not maintain multiple accounts through the Portal or through any other portal for which the Providers provide a similar service. For purposes of these limitations, the Providers will aggregate funds from the same credit card, check card and deposit account, regardless of the name of the Sender. Moreover, funds initiating from the same address or being the received at the same address are subject to aggregation and these limitations. For example, if you and your spouse each charge the same credit card account $500.00 to fund a Payment(s), your funding requests will be combined and each will be considered to have reached the $999.00 level on aggregate transactions.
M. Consumer Reports.
You agree that consumer reports may be obtained in connection with your use of the Service. Upon your request, the Providers will inform you as to whether such a report was requested, and if so, the name and address of each agency which furnished such a report.
4. ERRORS OR QUESTIONS
In Case of Errors or Questions about Your Electronic Transfers. At the end of each calendar month, you agree to review your on-line transaction history, which is available at the Portal website. You agree that such availability constitutes your periodic statement, as required by law. At each review, you must review your account history for the preceding sixty (60) days.

If you think your on-line transaction history is wrong or if you need more information about a transfer listed in your on-line transaction history write to Customer Service at contact@libertytransfer.com as soon as possible.
Enter in the email your name, user ID, and Service transaction receipt numbers for the items in question
Describe the error or Payment that are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
Enter the dollar amount of the suspected error.

The Providers must hear from you within sixty (60) days of the end of the calendar month in which the problem or error appeared on your on-line transaction history. Provided that you have maintained the accuracy of your email address as required herein, you will also receive notice of the initiation of each Payment by email or cell phone text messaging. The Providers will determine whether an error occurred within ten (10) business days after it hears from you and will correct any error promptly. If the Providers need more time to investigate, however, a credit will be made to the account funding the Payment within ten (10) business days for the amount you think is in error. You will have the use of the money during the time it takes the Providers to complete their investigation. If an item is posted to your Account and you do not object to it within (60) days of the end of the calendar month in which the item appeared by contacting the Providers as detailed above, you expressly accept that item and waive any claims against the Providers related to it (either directly or indirectly).
For errors involving new accounts, the Providers may take up to ninety (90) days to investigate your complaint or question.

The Providers will tell you the results within three (3) business days after completing its investigation. If the Providers conclude that there was no error, the Providers will send you a written explanation via e-mail. You may obtain copies of documents used in its investigation for a fee.
A. Password Protection
You must use your user ID and password that you created during registration to access the Service. You agree that your password has the same effect as your written signature and can be used to authorize Payments. You agree not to disclose your password to any other person, and you agree not to use another person's user name or password. If, not withstanding the preceding prohibition, you give your password to another person, you will be deemed to have authorized them to use that password for any and all purposes, without limitation. You agree that the Providers will not have any responsibility or liability to you or any other person for any losses or damages, which you or anyone else may suffer if you disclose your password to any other person, including any losses or damages arising out of their disclosure of this information to another person.
B. Your Liability for Unauthorized Payments.
Inform the Provider immediately via email at contact@libertytransfer.com, if you believe that your password for the Service has been lost, stolen or compromised in any way or that someone has transferred or may transfer money without your permission (an "Unauthorized Payment"). E-mailing contact@libertytransfer.com is the best way of keeping your possible losses down and stopping an unauthorized person from accessing your deposit or credit card accounts. Ideally, if you notify the Providers within 30 minutes (usually after an alert is sent regarding an authorized payment to your email or cell phone) after you learn or should have learned of the loss or theft or of your password or an Unauthorized Payment, a stop payment could be initiated and the authorized payment returned. There is no guarantee that authorized payment would be returned after payment has been made to recipient. We strongly recommend that you keep your contact information on our website up to date especially cell phone numbers and email addresses for text messaging and email purposes.
5. LIABILITIES AND RESPONSIBILITIES.
A. Your Financial Obligations.
If a transaction used to fund a Payment is reversed or you initiate a charge back, you promise to pay any negative balance immediately. You authorize the Providers, without notice to you, to charge any credit card, check card or deposit account you have used to fund your Payment in the amount of any such negative balance. The Providers also have the right to collect from you the amount of any uncollected or reversed Payment, plus any collection expenses, court costs and reasonable attorney fees. You agree to hold the Providers harmless from any losses, costs, expenses or damages any of them may incur in connection with collecting any negative balance, or in defending any of the fore going actions, including court costs and attorney fees. You acknowledge that transactions may be reported to a collection agency or credit bureau if you do not pay the Providers in accordance with this Agreement. The Providers making of any Payment without receiving sufficient funds shall not create any obligation on the part of the Providers to make any such Payment in the future.
B. Your Obligation to Provide Complete and Accurate Information.
You represent and warrant that all information you supply to the Providers in connection with the Service, including but not limited to your application information and all data entered in connection with any Payment or other transaction, will be complete and accurate in all respects. The Providers are entitled to rely on any information you provide, and you agree to update your personal information if it changes. The Providers also reserve the right to take steps to verify the information you provide, although they are not required to do so. IF YOU PROVIDE INACCURATE INFORMATION, YOUR ABILITY TO USE THE SERVICE MAY BE TERMINATED AND ANY PENDING PAYMENTS MAY BE CANCELLED. IN ADDITION, YOU MAY BE SUBJECT TO CIVIL AND CRIMINAL PENALTIES. Furthermore, you represent and warrant in connection with any Payment that:
i. The Payment information, including the name, address and e-mail address (if appropriate) of the Recipient, is accurate;
ii. You have authority to access the account from which your payment is being initiated and such account has a sufficient balance to complete the requested transaction;
iii.
The Payment is lawful. You are solely responsible for ensuring that the Payment has been addressed to the correct Recipient at the correct address. DO NOT SEND A PAYMENT IF YOU ARE UNSURE OF THE RECIPIENT ADDRESS. The Providers are not responsible for payments made to unintended Recipients caused by incorrect information provided by you. Moreover, the Providers are not responsible for verifying the identity of Recipients.

The Providers make no guarantees regarding merchant transactions made for through the Service. If applicable, you acknowledge that the Providers do not ensure the quality, safety or legality of the merchandise received, nor that the seller will even ship the merchandise. You agree to hold the Providers harmless for any loss or expense it incurs as a result of such purchases or disputes.
C. Indemnification.
You agree to indemnify and hold each of the Providers, their shareholders, subsidiaries, affiliates, directors, officers, employees, agents, suppliers and subcontractors harmless from any claim or demand, including but not limited to reasonable attorney fees, made by any third party due to or arising out of your use of the Service.
D. DISCLAIMER OF WARRANTIES.
YOU EXPRESSLY AGREE AND UNDERSTAND THAT THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. THE PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
E. Liability; Limitations.
If, after receiving a timely, complete and accurate Payment request, a Payment is not completed in the correct amount, the Providers will be liable only for your proximately caused actual damages as set forth below, to the extent required by applicable law. Without limiting the generality of the preceding sentence, the Providers will not be liable if (i) through no fault of the Providers, the credit card, check card or deposit account from which you wish to transfer funds is not open or does not have a sufficient available balance to fund the Payment; (ii) you attempt to transfer funds in excess of the then-current transaction limits; (iii) the Portal or the Service was not working properly and you knew or had been advised about the malfunction before you initiated the Payment; (iv) you did not follow all Service instructions properly; (v) the Providers did not correctly receive your instructions due to a telecommunications failure or otherwise (vi) you provided an incorrect address for the intended Recipient; (vii) you improperly cancelled the Payment; (viii) the account you have designated to fund the Payment(s) has been closed or suspended or is invalid or you are not authorized to access such account (ix) a Recipient has refused to accept a Payment or fails to deposit or cash the check within the allotted time frame (x) circumstances beyond the Providers’ control prevent any Payment from reaching the Recipient; or (xi) upon the occurrence of any other facts representing an exception to the Providers’ liability as stated in this Agreement.

If the Providers are deemed liable to you in connection with any Payment or other transfer of funds made or not made in accordance with this Agreement, the maximum aggregate liability of the Providers shall be the amount of the Payment, without interest, unless otherwise required by applicable law. YOU EXPRESSLY UNDERSTAND AND AGREE THAT NONE OF THE PROVIDERS SHALL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, EVEN IF THE PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
6. MORE IMPORTANT INFORMATION.
A. General Information.
This Agreement constitutes the entire agreement between you and the Providers regarding the use of the Service and supersedes any prior agreements between you and the Providers to the extent that they might otherwise apply to the Service. Otherwise, any such other agreements remain in full effect in accordance with their terms. You may also be subject to additional terms and conditions that may apply when you use related services or third-party software. This Agreement and the relationship between you and the Providers shall be governed by the laws of the State of Delaware without regard to its conflict of law provisions. You agree to submit to the jurisdiction of the courts located within the State of Delaware. If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of this Agreement remain in full force and effect. You agree that, to the extent any statute or law to the contrary may be modified hereby, any claim or cause of action arising out of or related to the use of the Service or this Agreement must be filed within one (1) year after such claim or cause of action arose or it will be forever barred.
B. Termination.
The Providers reserve the right to terminate your ability to use the Service for any reason and may cancel any pending Payment. Suspension or termination may occur if in the Providers sole determination (i) you have not properly funded a requested Payment; (ii) you attempt to initiate a Payment from an account that does not belong to you; (iii) you use the Service, directly or indirectly, for any unlawful or improper purpose; (iv) you provide incorrect or false information about yourself, your accounts or about a Recipient; (v) you use or attempt to use the Service for tampering, hacking, modifying or otherwise corrupting the security or functionality of any of the Providers or any other website; (vi) the Providers receive conflicting claims regarding ownership of, or the right to use, an account used to fund Payments; (vii) the Providers receive a garnishment, levy or other legal process that affects Payment; (viii) you have breached a term or condition of this Agreement, or any representation or warranty that you make under this Agreement is false; or (ix) the Providers determine, in their discretion, that you are no longer actively using the Service. You agree that none of the Providers will be held responsible or liable to you, any Recipient or any other person for such termination. Moreover, you understand the Providers may report any activity to appropriate law enforcement organizations.

To voluntarily terminate your ability to make Payments, you must access the Service and follow the corresponding directions.

Upon the termination of your ability to make Payments for any reason, all your pending Payment requests will be terminated. If you have no outstanding obligations in connection with the Service, the Providers may credit any balance to the credit card, check card or deposit account you used to fund Payments. Termination of this Agreement will not affect your liability related to acts or omissions prior to termination, including your liability for any Payment.
C. System Malfunctions.
The Providers are not liable for any loss resulting from a cause outside their direct control, including the failure of electronic or mechanical equipment or communication lines, telephone or other interconnection problems, computer viruses, "hacking," unauthorized access, theft, operator error, severe weather, earthquakes, natural disasters, strikes or other labor problems, wars, or government restrictions, or for any information lost due to malfunction or loss of any e-mail systems.
D. Changes to this Agreement.
This Agreement may be modified or amended by the Providers from time to time without notice, except as may be required by law. You can review the most current version of the Agreement at any time by reviewing the Service site. You may terminate your use of the Service if you do not agree with any modification or amendment. If you use the Service after the effective date of an amendment or modification, you will be deemed to have accepted that amendment or modification. You agree that you will not modify this Agreement and acknowledge that any attempts by you to modify this Agreement shall be void.
E. Use of Information and Disclosure to Others.
You agree that any information about you or your Payments that you provide or that the Providers otherwise receive in connection with the Service is being provided jointly to Providers and that the Providers may share with each other any such information. You consent to have your name and e-mail address made available as identification to any Recipient or any person who has sent you funds through the Service.
F. Assignment.
You may not assign this Agreement to any other party. The Providers may assign this Agreement or delegate certain of their rights and responsibilities under this Agreement to third parties without notice to you.
G. No Waiver.
The Providers shall not be deemed to have waived any of their rights or remedies under this Agreement unless such waiver is in writing and is signed by the party alleged to have waived. The delay or failure of the Providers to exercise or enforce any right or remedy in connection with this Agreement shall not constitute a waiver of such right or remedy or any other rights or remedies. A waiver on any occasion shall not be construed as a bar or waiver of any rights or remedies on any other occasion.

H. Foreign Exchange
Liberty Transfer and its agents make money from fees charged customers for transactions completed. Besides the fees charged on transactions, Liberty Transfer and its agents may also make foreign exchange gains when it changes your transaction amount into the local currency of your beneficiary. Payments to beneficiaries are in prevailing currency of the beneficiary. The current currency exchange rate indicated on the website of Liberty Transfer converts the amount being transferred by a customer into the local currency of the beneficiary. The beneficiary is then paid the exact amount specified by the rate prevailing at the time the customer did the transfer. Liberty Transfer may get a different exchange rate when it changes your transaction amount into the local currency of the beneficiary when making settlements with it's payment agents. Liberty Transfer keeps any gains due to differences in the exchange rates. For information on the updates of foreign exchange rate, please visit our website www.libertytransfer.com or call toll free 1 800 357 5837
 
I. Business Days.
Some provisions of this Agreement make reference to "business days." For purposes of those provisions, "business days" are Monday through Friday, excluding national holidays in the Sender or Recipient’s country. However, the Service is available on-line even on days that are not business days.
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