This User Agreement is solely between you, the “user” and M. Lhuillier Financial Services, Inc.,
dba, ML Remit, (“ML”) which is effective as of the date you use the service.
This contract governs the terms and conditions, under which you use and access ML’s online and mobile app services,
which include ML Remit mobile application and website, www.mlremit.com.
By signing up to access our service, you agree that your information may be shared as necessary to complete
your transaction with our third party partners.
Should you not agree with these terms and conditions, please immediately stop using the service,
exit the webpage or remove the mobile application from your device.
User, You, Customer, Sender:
Refers to the individual that has registered to use ML’s
services and has given consent to the Terms and Conditions set forth in this document.
Company, MLFSI, us, we, our:
Refers to M.Lhuillier Financial Services, Inc.
Refers to the person who will receive your transaction.
Michel J. Lhuillier Financial Service (MJL) is the sole payer for all transactions paid in the Philippines.
Paying cash upon Sendout:
MLFSI has an Agreement with a 3rd party licensed transmitter company, PayNearMe MT, Inc.,
who authorized the 7-Eleven stores as Agent to collect the cash from ML customers to
complete the remittance transaction.
Refers to the request you made to send money abroad to your beneficiary.
Sending Amount, Principal Amount:
Refers to the principal amount you request to send to your beneficiary.
Refers to the service fee charged by MFLSI to process your transaction.
Refers to the amount paid to you per dollar in Philippine Pesos.
Refers to the amount in Philippine peso amount your beneficiary will receive depending on the current exchange rate displayed before processing and completing your transaction.
2. General Information about our Services.
To access our Services as a Sender or Receiver, you must be at least eighteen (18) years old
and be able to form legally binding contracts under applicable law.
You must be a resident of the United States of America and reside in the State of California.
Money remittance transaction requests made through our website or mobile applications are
only authorized for non-commercial users. In addition, money remittance transactions
should only be processed for known beneficiaries; such as family members and never to strangers.
You should never initiate or process a transaction on behalf of someone else.
The user must always be the sender of the transaction.
Creating a Users.
To initiate the service, the user must register by creating a username and password.
You may register by using our website and mobile application. When a transaction is
processed the information will be reviewed and we may either approve or reject a
transaction based on our sole discretion. MLFSI may request additional information
either from you, the user, or from the beneficiary to make a determinationin regard
to the completion of your transaction.MLFSIis a licensed money remittance company in
California and is not registered as a money services business outside of the United States.
3. Information collected from user.
To become a registered User, we require that you become a Known Customer,
and we must gather the following personal information: First, Middle (if applicable),
Last Name, date of birth, mobile number, and other information necessary to identify you.
In addition, we may require other information such as a copy of a valid government-issued
identification, your social security number, your occupation, nationality and place of birth.
Beneficiary required information.
To complete a transaction, you must also provide the following beneficiary / receiver’s
information: First, Middle (if applicable), Last Name, as it may appear in the receiver’s
valid government-issued identification, which he/she will present to collect his/her transaction.,
the country and city in which the beneficiary will collect his/her transaction.
In addition, we may require additional beneficiary information, such as date of birth,
place of birth and nationality. In some cases, the beneficiary’s identification may be
required to process the transaction.
4. Transaction information.
Principal / Sending Amount.
The Principal / Transaction Amountin USD
is the amount you request to send to your beneficiary.
As a registered user, you agree to pay a fee for the service provided,
which is called a Transaction Fee. Therefore, in addition,
to the principal amount you request to send to your beneficiary you
will be charged a transaction fee.
The exchange rate applicable to your transaction will be displayed to you for
approval and confirmation before you complete a transaction. The exchange rate
displayed for your approval and confirmation will be valid for a limited time.
If you go to the 7-Eleven store to pay for your transaction after the time expires,
the transaction is automatically canceled and you have to create a new transaction.
Once you pay at 7-Eleven for your transaction and the transaction is completed,
the exchange rate will remain the same until your transaction is collected by your beneficiary.
If you use your mobile device to process a transaction, you are responsible for any fees
that your phone service provider may charge, such as fees for SMS and data services.
Once you have agreed to the exchange rate and fees charged for your requested transaction,
the system will provide you with a code which you will use to make the payment at a PayNearMe/7-Eleven
location. Once payment is received by 7-Eleven, you will be provided with a code and your transaction
is complete. At this point your transaction is available for payout to your beneficiary.
6. Transaction Payouts
Your transaction will be available for pick up at any M.Lhuillier branch in the Philippines.
You agree we are not responsible for any unforeseen event that may cause your transaction not
to be paid at the location your beneficiary chooses to go.Your beneficiary will be required to
provide a valid government issued identification and the transaction reference number to collect
his/her transaction. You agree that if for any reason the beneficiary’s name does not completely
match the information in his/her identification, the payout location has the discretion not to release
the funds to the beneficiary. At which point you must call MLFSI’s help desk to correct the beneficiary’s
You agree that you will not hold us liable for any damages resulting from our payout partner’s decision
not to provide you or your beneficiary service based on their discretion and criteria.
7. Transaction Restrictions
At any time of the transaction process, we may refuse a transaction based solely on our discretion.
Reasons for which we may refuse a transaction at any time may be due to the aggregated amount you have
sent within a certain period of time, number of transactions you have made within a period of time, number
of beneficiaries associated to your account, users within your same mailing address. We reserve the right
at any time, and from time to time, to modify or discontinue the service with or without notice.
You agree to notify us immediately after any unauthorized use of your account / username and password.
Your username and password are confidential and you agree to never share such information with anyone.
We have the right to disable your username and password, whether chosen by you or provided by us, in our
We do our best to process your transaction in a timely manner, however there might be cases
in which intentionally and without prior noticewe may delay your service for reasons relating
but not limited to the following:
Anti Money Laundering(AML) Compliance Review
Contacting User / Beneficiary for Verification
Comply with Applicable Law
Paying Agent Delays
Refund is available for certain circumstances as described below in Section 8c.
You may not use the Service in violation of this User Agreement or applicable laws rules or regulations.
It is a violation of this User Agreement to use the Service for any of the following activities (without
limitation): sexually-oriented materials or services, gambling activities, fraud, money-laundering,
funding terrorist organizations; purchase or sale of tobacco, firearms, prescription drugs, or other
controlled substances; or sending money to a Beneficiary that has violated the User Agreement.If you use
the Service in connection with illegal conduct, we reserve the right to report you to the appropriate law
enforcement agency or agencies. The Service is intended for our customers to send or request money transfers
to family members and friends. We may, in our sole discretion, cancel any Transaction and close any account
that we suspect is being utilized for any purpose prohibited by this User Agreement including sending
Transactions from, to or on behalf of a business or other non-human entity. You acknowledge that Company
is not liable for your use of the Service in violation of this User Agreement.
We may, in our sole discretion, refuse Transactions from certain Senders, for certain Beneficiaries,
including without limitation, toindividuals that are included on the Specially Designated Nationals
list, Non-cooperative Countries and Territories list, and such other lists as may be issued from time
to time by the U.S. Department of Treasury and other government agencies.
Third Party Transactions.
You may not process a transaction on behalf of someone else, even if the person is related to you.
That person must register for its own username and password. You may not process a transaction on
behalf of a business or other non-human entity such as a charitable organization. We have the right
to cancel a transaction and or service for any person that violates this requirement.
As a user of our service or in the course of your interactions with the service, you will not:
Breach this User Agreement, or any other agreement between you and the Company;
Open more than one account
Provide false, inaccurate, or misleading information
Refuse to cooperate in an investigation or provide confirmation of your identity
or any information you provide to us;
User an anomyizing proxy;
Share Transaction numbers or information with anyone except the Company, your Recipient,
or Beneficiary, and you will advise your Sender, Recipient or Beneficiary not to share Transaction
numbers or information; or
Violate any other restrictions in this User Agreement.
8. Changes, Cancellation, Claims / Right to Dispute, and Refund Policy
If your beneficiary’s information is incorrect, you may request a change by calling the MLFSI Customer
Care 24-hour service at (844) 456-2543. If your transaction has not been paid out, your request will be
approved and you will be contacted and provided with a new reference number. Your receiver must present
this new reference number and a valid government-issued identification that fully and correctly displays
the name of the receiver in the new transaction. If you would like to change your receiver’s name, you
must request CANCELLATION request. We reserve the right to ask additional information with the purpose
of verifying your identity when you call to request any change.
If you wish to cancel your transaction for a refund you must call MLFSI Customer Care 24-hour service
at (844) 456-2543 to file a Cancellation request. If your transaction has not been paid out, your
Cancellation request will be approved and you will be mailed a check for the principal amount of your
transaction. Cancellation Requests will be processed and completed within 30 calendar days.
Subject to regulatory constraints and MLFSI’s compliance policies, strives to grant refunds to all
customers in a timely fashion. We will notify you of our decision whether to approve the refund in
writing via email or mail. Please remember that Receivers cannot request the cancellation of a transaction.
Refunds will be issued after a Cancellation request has been approved. All refunds will be issued in checks.
You will receive your refund check in the mail for the principal amount. If you CANCEL your transaction due
to a problem relating to the service you are entitled for a full refund. To receive a full refund, you must
file a CLAIM and REFUND request.
A refund requested for a Transaction cancelled by the Sender within 30 minutes of payment for such Transaction
will be processed within five (5) business days. A refund requested for a Transaction cancelled after
30 minutes of payment for such transaction it will be processed within thirty (30) calendar days.
We have the discretion to hold any transfers that have not been picked up within after 90 days from the day
you paid for the Transaction.
Refunds are only made in US dollars and will not be adjusted to account for changes in the value of the
US dollar or any foreign currency from the time that you paid for the Transaction.
In the event that we deny a Transaction after payment has been received at 7-Eleven, the Transaction will
be treated as if it had been cancelled and, subject to our refund policy, a refund will be processed by ML
within five (5) business days of the date the Transaction is denied.
The customer is entitled to a refund of the money to be transmitted as a result of the agreement if
M. LHUILLIER FINANCIAL SERVICES, INC. does not forward the money received from the customer within 10 days
of the date of its receipt, or does not give instructions committing an equivalent amount of money to the
person designated by the customer within 10 days of the date of the receipt of the money from the customer
unless otherwise instructed by the customer. If the customer’s instructions as to when the moneys shall be
forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted the
customer has a right to a refund of the customer’s money.
If the consumer wants a refund, the consumer must mail or deliver his or her written request to:
M. LHUILLIER FINANCIAL SERVICES, INC.
21700 Oxnard St., Suite 940
Woodland Hills, CA 91367
If the customer does not receive a refund, the customer must be entitled to his/her money back plus a
penalty of up to $1,000 and attorney’s fees pursuant to Section 2102 of the California Financial Code.
Right to Dispute:
You have the right to dispute errors in your transaction. If you think there is an error,
contact us within 180 days at 1844-456-2543 or firstname.lastname@example.org.
You can also contact us for a written explanation of your rights. You can cancel for a full refund
within 30 minutes of payment, unless the funds have been picked up or deposited.
For questions or complaints about M. Lhuillier Financial Services, Inc. contact:
California Department of Business Oversight:
Consumer Financial Protection Bureau:
855-729-2372 (TTY/TTD) www.consumerfinance.gov
10. RESOLVING ERRORS
In accordance with Electronic Fund Transfers (Regulation E), “allows a sender to provide notice of an error
within 180 days of the promised date of delivery of a remittance transfer.” MLFSI will proceed as follows:
Upon receiving the sender’s notice of an error, MLFSI will launch an investigation and
correct the error within 90 days of receiving the error notice.
MLFSI will report results to sender within three business days after completing the investigation
If error occurred, MLFSI will report the results orally or in writing and must correct error within
one business day, or as soon as reasonably practicable or receiving sender’s instructions.
If no error has occurred, MLFSI will give the sender a written explanation of the results of the
investigation, and notify the sender that he or she has the right to request any documentation MLFSI
relied upon in making the determination. In addition, MLFSI must also provide a written explanation
if you determine that an error occurred but the error is of a different type or a different amount
than the error that the sender reported.
Sender must request with MLFSI headquarters, including any documentation with respect to the alleged error,
by e-mail to email@example.com. After the conclusion of the
investigation all supporting documentation pertaining to the error will be retained by MLFSI for a period
of two years from the date the error notification was filed by the sender. A customer who cannot come to an
MLFSI branch may call the customer service hotline at 1-877-688-4588 and file the Error Inquiry Request Form
orally through a MLFSI customer service representative.
M. Lhuillier Financial Services, Inc. does not disclose any non-public personal or financial information about
its customers to anyone except as permitted by the California Financial Information Privacy Act (CFIPA) and the
Gramm-Leach-Bliley Act. We do not sell or exchange customer lists or customer information. We collect, use and
verify the information we believe necessary to complete authorized transactions. Customer information is utilized
to evaluate, process, administer and enforce the transactions our customers request and authorize. Therefore, in
compliance with CFIPA we may disclose customer information that we collect, in order to establish, administer and
manage the customer’s money transmissions to our affiliates. We may also disclose customer personal information,
as permitted by laws mentioned above and other Anti-Money Laundering Laws, to non-affiliated third parties in
connection with a subpoena or similar legal process, a fraud investigation, to record a public record or as part
of an audit or examination. We will also use personal information to identify our customers, to communicate with
them, and to help us respond to their questions.
Only authorized M. Lhuillier Financial Services, Inc. employees, who are trained in the proper handling of
customer’s personal information, will have access to personal information. Employees who violate our privacy
policy will be subject to our disciplinary procedures. We maintain physical, electronic and procedural safeguards
to protect personal information. We continually assess new technology for protecting information and upgrade our
systems when appropriate. Whenever we hire other organizations to provide us or our customers with services, we
require them to conform to our privacy standards, to allow us to audit them for compliance and to enter a
confidentiality agreement that restricts the use of personal information to those purposes intended and prohibits
independent use of the information.
If a customer wishes to request their record of transaction they must fill out M. Lhuillier Financial Services,
Inc.’s Customer’s Record of Remittance Request Form, available upon request with the customer service contact
which must be signed and completed to process the request. The form includes the following fields:
Date of Request
Date in which information was provided
Type of Identiification
Date of Birth
Copy of Picture ID
The form shall be processed by the Compliance Department. The record will be delivered to the customer at a
branch location or by mail, which ever method the customer chooses. All customer requests will be locked and
maintained for a period of five years in compliance with regulatory requirements.
12. Know Your Customer Policy
In general, and at a minimum, even where transactions do not reach or breach the record keeping requirement
under the Bank Secrecy Act, MLFSI shall take reasonable steps to ensure that the customer is who he/she
claims to be. You authorize us, directly or through third parties, to make any inquiries we consider
necessary to validate the information that you provide to us. This may require you to take additional
steps to confirm ownership or your e-mail address, mobile device, or verifying your information against
third party databases or through other sources, which may also include verifying your Beneficiary’s information.
MLFSI reserves the right to require additional identification and/or information, including the source of money,
purpose and relation to counterparty to affect a transaction. It also reserves the right to reject a transaction
that, in its sole determination, is inconsistent with MLFSI’s compliance policies or where data supplied to it
are insufficient to make a certain conclusion.
MLFSI shall exert all efforts to properly identify and verify the identity of its customers it shall also endeavor
to identify and do continuing due diligence of its own directors, the senior management and employees and undertakes
to do the following:
Part of MLFSI’s hiring policy is a background check of the applicant or prospective hire to uncover any
possible previous criminal record or unlawful activity and the possibility that the prospective employee
has a connection with a terrorist organization.
Monitor or look out for some of the indicative behaviors in an employee:
The employee is living beyond his/her known financial means;
Refuses to take vacations or scheduled/agreed vacations;
Attempts to have exclusive business relationship with certain clients or agents of MLFSI;
Habitually stays working at off hours.
Failure to notice clear and manifest signs that some of their own or fellow employees may be involved in activities
that violate the BSA, which may render MLFSI as willfully blind to the actions that the employee may be conducting
in violation of the BSA. Thus, it is critical for all personnel within MLFSI to be vigilant about unusual behavior
within their ranks.
To facilitate detection and prompt resolution of any such concerns, MLFSI deems it proper for the Compliance Officer
to receive and promptly report to the Chief Operating Officer (COO) or Chief Executive Officer (CEO) any complaints
and concerns arising from potential BSA violations among the staff or employees.
PROTECT YOURSELF FROM SCAMS AND FRAUD. Only send money to people you know or pay, safeguard your password, send or request
for yourself and not on behalf of others, and use our services for legal purposes only.
ML is not responsible for completed transactions (paid transactions) that are later on, you the user discovered to be fraud.
In order to prevent Fraud please carefully read the FRAUD Prevention Section of this agreement.
14. State Disclosures
California. If you have complaints with respect to any aspect of the money transmission activities conducted
by M.Lhuillier Financial Services, Inc., you may contact the California Department of Business Oversight at its
toll-free telephone number, 1-866-275-2677, by email at firstname.lastname@example.org, or by mail at Department of
Business Oversight, Consumer Services, 1515 K Street, Suite 200, Sacramento, CA 95814
RIGHT TO REFUND: You, the customer, are entitled to a refund of the money to be transmitted as the result
of this agreement if M. LHUILLIER FINANCIAL SERVICES, INC. does not forward the money received from you within 10
days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the
person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed
by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the
money has not yet been forwarded or transmitted you have a right to a refund of your money. If you want a refund,
you must mail or deliver your written request to M. LHUILLIER FINANCIAL SERVICES, INC. at 21700 Oxnard St., Suite
940, Woodland Hills, CA 91367. If you do not receive your refund, you may be entitled to your money back plus a
penalty of up to $1,000 and attorney’s fees pursuant to Section 2102 of the California Financial Code.
KARAPATAN SA PAG-REFUND: Ikaw, bilang kustomer ay may karapatan na maibalik ang iyong perang ipadadala bunga ng
kasunduan na ito kung ang M. LHUILLIER FINANCIAL SERVICES, INC ay hindi ipinadala ang perang natanggap mula sa
iyo sa loob ng 10 araw simula sa petsa ng resibong ito o hindi nakapagbigay ng mga tagubilin na nangangako ng
katumbas na halaga ng pera sa taong iyong itinalaga sa loob ng 10 araw simulasa petsa ng pagtanggap ng pondo mula
sa iyo, maliban na lamang kung mayroon kang ibang tagubilin. Kung ang iyong mga tagubilin ay kung kailan dapat
ipadadala ang pera o kung ang paghahatid ay hindi pa naisakatuparan at ang pera ay hindi pa naipadadala o
naihahatid, may karapatan kang maibalik ang iyong pera. Kung nais mong maibalik ito, kailangan mong magpadala ng
sulat na kahilingan sa M. LHUILLIER FINANCIAL SERVICES, INC. at 21700 Oxnard St., Suite 940, Woodland Hills,
CA 91367. Kung hindi mo natanggap pabalik ang iyong pera, maaari mong makuha pabalik ang iyong pera dagdag ang
isang multa na maaaring umabot sa $1,000 at kabayaran para sa abogado na sa ngayon sa Seksyon na 2102 ng
Batas para Pampinansyal ng California (California Financial Code).
15. Intellectual Property
You acknowledge that the Service, including but not limited to the content of our websites, text, graphics, links,
buttons, logos, and images, as well as all other patents, copyrights, trademarks, trade secrets, service marks, logos,
and product and service names are owned exclusively by Company (the "Intellectual Property"). You agree not to display,
use, copy, or modify the Intellectual Property in any manner. You are authorized solely to view and retain a copy of
the pages of our websites for your own personal, non-commercial use. You further agree not to: (i) engage in or use any
automated devices, data mining, robots, scraping or similar data gathering or extraction methods to access or use the
Service; (ii) modify, copy, frame, scrape, rent, lease, loan, sell, distribute or create derivative works based on the
Service, in whole or in part, except that the foregoing does not apply to the information that you legally upload to
the Service; (iii) remove or alter any author, trademark or other proprietary notice or legend displayed on our
websites (or printed pages thereof); or (iv) infringe Company's or any third party's copyright, patent, trademark,
trade secret or other intellectual property rights, or rights of publicity or privacy.
The technology and software underlying the Service or distributed in connection therewith are the property of
M. Lhuillier Financial Services, Inc., its affiliates and Service Providers (the "Software"). Subject to the terms
and conditions of this User Agreement, ML hereby grants you a non-transferable, non-sublicensable, and
non-exclusive right and license to use the object code of any Software on your device(s) solely in connection with
the Service, provided that you agree not to copy (except as expressly provided herein), modify, create a derivative
work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign,
sublicense, or otherwise transfer any right in the Software. Any rights not expressly granted herein are reserved
16. Disclaimer and Warranties
THE SERVICE AND SOFTWARE, IF APPLICABLE, IS PROVIDED "AS IS" AND WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED
OR STATUTORY. WE, OUR SUBSIDIARIES, EMPLOYEES, SUPPLIERS, VENDORS, AND SERVICE PROVIDERS SPECIFICALLY DISCLAIM ANY
IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
We make reasonable efforts to ensure that Transactions are processed in a timely manner, but we make no representations
or warranties regarding the time needed to complete processing because the Service is largely dependent on many factors
outside our control. Some jurisdictions do not allow the disclaimer of implied warranties, so the foregoing disclaimer
may not apply to you. Notwithstanding the foregoing, you may have a right to a refund as expressly described herein.
17. Dispute Resolution by Binding Arbitration
If a dispute arises between you and Company, our goal is to learn about and address your concerns.
If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral
and cost-effective means of resolving the dispute quickly. Disputes between you and Company regarding the
Service may be reported to Customer Service (See Section 9)
For any claim (excluding claims for injunctive or other equitable relief) where the total amount of the award
sought is less than $10,000.00 USD, the party requesting relief may elect to resolve the dispute in a
cost-effective manner through binding non-appearance-based arbitration. If a party elects arbitration, that
party will initiate such arbitration through an established alternative dispute resolution ("ADR")
provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following
rules: (i) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions,
with the specific manner to be chosen by the party initiating the arbitration; (ii) the arbitration shall not
involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties;
and (iii) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
18. Limitation of Liability
EXCEPT FOR CLAIMS UNDER SECTION 2102 OF THE CALIFORNIA FINANCIAL CODE ARISING FROM TRANSACTIONS ORIGINATING IN
CALIFORNIA, IN NO EVENT SHALL COMPANY, ITS SUPPLIERS, VENDORS, SERVICE PROVIDERS, SERVICE COMPANIES, OR THEIR
RESPECTIVE SUBSIDIARIES, OFFICERS, DIRECTORS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS BE LIABLE FOR ANY DIRECT,
INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES BEYOND THE SUM OF $500.00 (IN ADDITION TO REFUNDING
THE TRANSACTION AMOUNT AND TRANSACTION FEES), INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL,
USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING
FROM NEGLIGENCE ON THE PART OF COMPANY, ITS SUPPLIERS, VENDORS, SERVICE PROVIDERS, SERVICE COMPANIES, OR THEIR
RESPECTIVE SUBSIDIARIES, OFFICERS, DIRECTORS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS.
You agree to indemnify and hold Company, its suppliers, vendors, Service Providers, Service Companies and their
respective subsidiaries, officers, directors, agents, partners, employees, and consultants harmless from any claim
or demand, including reasonable attorneys' fees, made by any third-party due to or arising out of your use of the
Service, your connection to the Service, your violation of the User Agreement or any law, or your violation of any
rights of a third party.
20. Electronic Communications
You acknowledge that this User Agreement shall be entered into electronically. Unless otherwise required by applicable
law, the following categories of information ("Communications") will only be provided by electronic means and not in
modifications or supplements to them; (ii) your records of Transactions through the Service; (iii) any initial,
periodic or other disclosures or notices provided in connection with the Service, including without limitation those
required by federal or state law; (iv) any customer service communications, including without limitation communications
with respect to claims of error or unauthorized use of the Service; and (v) any other communication related to Company
or the Service.
You may withdraw your consent to receive all Communications electronically, but if you do, your use of the Service
shall be terminated. In order to withdraw your consent, you must contact us using our contact information at the end
of this User Agreement.
In order to access and retain Communications, you must have: (i) an Internet browser that is java-script enabled, and
supports 128-bit encryption and the acceptance of first party cookies, (ii) an e-mail account and the capability to
read e-mail from M. Lhuillier, and (iii) a device and Internet connection capable of supporting the foregoing.
21. Entire Agreement
The User Agreement constitutes the entire agreement between you and Company relating to the Service and governs your
use of the Service, superseding any prior agreements between you and Company or any other party in connection with the
22. Changes to the Terms and Conditions
We reserve the right to withdraw or amend this Service, and any material we provide for the Service, in our sole
discretion without notice, except as otherwise required by law. We will not be liable if for any reason all or any
part of the Service is unavailable at any time or for any period. From time to time, we may restrict access, in our
sole discretion, to some parts of the Service, or the entire Service, to certain Users.
We may amend these Terms & Conditions at any time by posting a revised version on mlremit.com
or any other website that we maintain for the purposes of providing the Services. The most current version of the
Terms & Conditions will supersede all previous versions and are effective at the time we post them. We encourage you
to periodically review our agreements to stay informed of our updates and to take notice of any changes we make, as
they are binding on you. We may provide you with notice regarding material upcoming changes to the Terms &
Conditions by email or SMS. You agree that your continued use of the Service following the posting of revised Terms
& Conditions means that you accept and agree to the revised Terms & Conditions.
23. Customer Updates
You must promptly update us with any change in your e-mail address and telephone number by updating your profile on our
websites. If we do not have correct contact information, we may not be able to notify you with important information or
changes in your Transaction status.
M. Lhuillier Financial Services, Inc. is licensed as a money transmitter in the state of California by the
Department of Business Oversight.
25. Contact Information
Questions, notifications, and requests for refunds or further information can be sent to us, as follows: online; by
telephone at (844) 456-2543 (outside the United States, call +1 (818-8886100)); or by mail at M. Lhuillier Financial
Services, Inc. Customer Service, 21700 Oxnard Street, Suite 940, Woodland Hills, CA 91367.