Terms of Service
The agreement between you and SendGram when you use our service.
Using SendGram
You must be at least 18, live in a country we serve and verify your identity. You must give accurate information, and keep your sign-in details and transaction PIN private. [Company details to be added.]
Quotes and transfers
Your quote shows the rate, fee, amount your recipient will get and estimated arrival. A rate holds for the time shown on your quote. Arrival times are estimates and can depend on banks outside our control.
Paying for a transfer
Payments must come from an account or card in your own name. We may cancel a transfer if a payment does not arrive in time or does not match your details.
Checks and limits
We check customers and transfers, and we may ask you for more information. We may delay, refuse or stop a transfer where the law or our checks require it, and we may not be able to tell you why. Limits depend on your verification level.
Failed transfers and refunds
If a transfer fails after you pay, we refund the full amount you paid to the original payment method. Funds may be held where the law requires it.
Disputes
If something goes wrong, raise it from the transfer in your account. We will acknowledge it within one business day and update you at least every three business days. [Complaints process to be added.]
What you must not do
You must not use SendGram for anything illegal, for someone else without our agreement, or to try to get around our checks. We may suspend or close accounts that do.
Changes and governing law
We will tell you before these terms change. [Notice period and governing law to be added.]