TERMS AND CONDITONS

TERMS AND CONDITIONS JDC-MONEY TRANSFER

Acceptance of the Terms of Use

Please read the Terms of Use carefully before you start to use the website. By using the website and by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy with respect to the service and money transfer transactions originated from the website, which are described below. If you do not want to agree to these Terms of Use or the Privacy Policy, you must exit the Website, and not use our Money Transfer Service.

Privacy Policy

JDC MONEY TRANSFER does not disclose nonpublic personal information about its consumers or former consumers to anyone, except as permitted by law. The law permits disclosure of nonpublic personal information, for example, where it is necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with the servicing or processing of a financial product or service requested or authorized by the consumer. The law also permits such sharing where it is released to protect the confidentiality or security of our records pertaining to our consumers, the services or products we offer, or the transactions we process or handle. The law also allows for the release of nonpublic personal information to protect against or prevent actual or potential fraud, identity theft, unauthorized transactions, claims or other liability, as well as for resolving consumer disputes or inquiries. The law further allows the release and/or disclosure of nonpublic personal information to comply with federal, state or local laws or regulations or other legal requirements, such as subpoenas or other legal processes. This list of examples of the types of sharing of information that is permitted by law is not meant to be comprehensive, but provides you with some basic information on some of the types of sharing permitted by law.

JDC MONEY TRANSFER does not sell to or exchange consumer lists or consumer information with third parties.

JDC MONEY TRANSFER restricts access to nonpublic personal information about you to those employees and agents who need to know that information to provide products or services to you. We also maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

By providing us a telephone number (including a mobile telephone number), you consent to receive autodialed and prerecorded message calls from us. If we determine that a telephone number you provided is a mobile telephone number, you consent to receiving texts messages from us about your use of our service at that number, which we may do in our sole discretion. Message and data rates may apply. To stop receiving text messages kindly send stop with telephone number to info@jdcghana.com.

Accessing the Website and Account Security

By using this website, you represent and warrant that you are 18 years or older and of legal age to form a binding contract with JDC-MONEY TRANSFER

We reserve the right to withdraw or amend this website, and any service JDC will provide on the website, in our sole discretion without notice, except as otherwise required by law. We will not be liable if, for any reason all, any part of the website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the website, or the entire website, to users, including, but not limited to registered users.

You are responsible for making all arrangements necessary for you to have access to the website You are responsible for ensuring that all persons who access the website through your mobile phone device or internet connection are aware of these terms of use, have agreed to the terms of use, and that they comply with them.

To access the website or some of the resources it offers, you may be asked to provide certain registration, identification and authentication details or other information. It is a condition of your use of the website that all the information you provide to us on the Website (or otherwise) is correct, current and complete at all times.

If you become a registered user of our money transfer service and you choose, or you are provided with, a user name, password, personal identification number ("PIN"), or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. You agree to immediately notify JDC-MONEY TRANSFER of any unauthorized use of your user name or password, PIN or any other breach of security.

We have the right to disable any user identification code or password, whether chosen by you or provided by us, in our sole discretion for any or no reason, including, if in our opinion, you have failed to comply with any provision of these Terms of Use.

The Service

JDC MONEY TRANSFER provides registered users of the service (each a "user") with the ability to initiate money transfers to designated recipients located in many countries around the world, over the Internet using a mobile money, United States issued Visa® or MasterCard® credit card ("credit cards"), or a Visa® or MasterCard® branded debit card. In order to use the service, you will be required to provide us with information necessary for us to verify your identity, to obtain proper bank card or bank account authorization, and to complete the money transfer in compliance with applicable federal, state and foreign laws and regulations. Recipient information and verification may also be required. When required by applicable law, money transfers will be reported to federal, state, local or foreign authorities. Unless explicitly stated otherwise, any new features that augment or enhance the current service, shall be subject to these terms of use.

Currency Exchange

If you instruct us to pay out a money transfer to a recipient in a currency ("payout currency") other than GHANA CEDI ("GHS"), a retail exchange rate may be applied, in addition to any service charge appearing on the face of your receipt. The payout currency for such money transfer is acquired by us at a wholesale rate that fluctuates, but may approximate the wholesale rate for such payout currency listed in newspapers such as the Wall Street Journal. The difference between the retail exchange rate applied to such money transfer transaction and the wholesale exchange rate at which we acquired the payout currency will be kept by us and/or the paying agent as revenue, in addition to any service charges.

The paying agent must pay out money transfers in the payout currency indicated in the money transfer payment instructions. If a recipient desires payment of the money transfer in a currency other than the payout currency, the recipient and paying agent must enter into a separate foreign exchange transaction to convert the payout currency into the recipient’s currency of choice ("foreign exchange transaction"). Such foreign exchange transaction is a separate transaction between the recipient and the paying agent only and JDC-MONTEY TRANSFER has no responsibility for or liability in connection with such foreign exchange transaction.

For further information about the payout currencies available in any destination country and/or through any particular paying agent on JDC-MONEY TRANSFER network of payout locations, consult the website or call out contact number on the website.

Payment Authorization

When you initiate and submit a money transfer transaction on the website, you authorize JDC-MONEY TRANFER (or its designated agent) to charge your designated mobile money account or credit card account or debit your designated debit card or bank account for the amount of such money transfer transaction and JDC-MONEY TRANSFER associated service charge. You are responsible for ensuring that your designated payment method has sufficient funds or credit available for payment of your money transfer transaction. If executes payment of a money transfer pursuant to your money transfer instructions and subsequently is advised that your designated credit card had insufficient credit available or your designated debit card or bank account had insufficient funds available, you remain liable to JDC-MONEY TRANSFER for the full amount of any such payment of the money transfer by JDC-MONEY TRANSFER and the JDC-MONEY TRANSFER associated service charge. You authorize us to initiate debit and credit entries to your bank account in connection with the money transfer service. You also authorize us to initiate credits and debits to correct errors. This authorization shall remain in full force and effect until we have received notification from you of its termination; you may revoke your authorization only by notifying us by telephone call or in a written letter sent to JDC GHANA P.O BOX 15063 ACCRA OR JDCGHANA@GMAIL.COM: Customer Service that is received at least three (3) days prior to the proposed effective date of the termination of authorization. You agree that all transactions authorized by you shall comply with all applicable federal, state and foreign law.

Money transfers that have been authorized by a user shall be processed only on the condition that the issuer of the respective credit card or debit card, or the user's bank, has authorized the corresponding charges or debits. Each user using the service acknowledges and agrees that the Company is authorized to charge the respective credit card or debit card, or debit the respective bank account, for the principal amount of the money transfer, the service charge, and any other applicable fees. The issuing mobile money provider or bank for your credit card or debit card or the financial institution where your bank account is open may also have terms and conditions that apply to your use of the credit card, debit card, mobile money or bank account (as applicable) and you must refer to such agreement(s) in order to determine user's rights, obligations and liabilities as a cardholder or account holder, which may include the assessment of cash advance or other fees. Money transfer receipts will not display fees assessed by user's bank or the issuer of user's credit card or debit card.

Services Charges and Additional Fees

In consideration of your use of the service, you agree to pay a service charge per money transfer executed through the website. The service charge will be charged to the mobile money, credit card, debit card, or bank account you identify as the payment method for your money transfer transaction. The service charge (in addition to any other applicable fees charged by us directly or on behalf of any state governmental authority) will be displayed online for your authorization prior to submission of the money transfer. Our service charge schedule is subject to change from time to time in our sole and absolute discretion. In addition to any fees charged by JDC-MONEY TRANSFER a money transfer may be subject to additional fees assessed by the U.S. government of Ghana , or the country where the money transfer originates, the government of the destination country, or the financial institution in the destination country at which your recipient holds a bank account.

Money Transfer Cancellations and Refunds

If you instruct us to pay a money transfer to a designated recipient and later request that we stop the payment of such transaction, we will need to check first with the paying agent to determine if the money transfer has been paid to the recipient. If we can confirm that payment has not been made, the money transfer will be cancelled and we will refund the amount of the money transfer, including the service charge. All refunds shall be available within thirty (30) calendar days of the stop order or as soon as the refunds are returned by the paying agent and, whichever is first. For further information or to file a complaint, please contact our customer service team

Money Transfer Cancellations and Refunds (For Money Transfers originating in Ghana only)

RIGHT TO REFUND: "You, the customer, are entitled to a refund of the money to be transmitted as a result of this agreement if JDC MERCHANT AND JDC Financial Services ("JDC") does not forward the money received from you within 30 working 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 30 working days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the money 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 JDC P.O BOX 15063 ACCRA-GHANA OR JDCGHANA@GMAIL.COM of up to $1,000 and attorney's fees pursuant to the constitution of Ghana for any proceedings.

Money Transfer Transactional Restrictions

We reserve the right, in our sole discretion, to: (i) reject a proposed money transfer; (ii) limit the amount of a money transfer; (iii) require additional information to complete a money transfer; and/or (iv) take reasonable measures with respect to a money transfer in an effort to comply with applicable laws and regulations. As a user, you agree not to attempt to circumvent the parameters of the service by using a different debit or credit card or bank account, entering false information, or any other means. The service is offered exclusively for the personal money transfer needs of users. Any other use or attempted use of the service for commercial purposes, promotion of products and services, or other such purposes, directly or indirectly, by you or by a third party is prohibited.

The service available through the website is limited to money transfers for a maximum amount of $100,000.00 per user per calendar day following account enrollment. The maximum aggregate amount of money transfers per user during any rolling thirty (30) calendar day period is $100,000.00 USD. JDC may establish any and all transactional restrictions applicable to money transfers in its sole discretion and may change such restrictions from time to time. We will provide you with any legally required notice, which we may post on our website.

When you submit a money transfer, the paying agent is not required to accept it. You agree that you will not hold us liable for any damages resulting from a paying agent's decision not to accept a money transfer made though our service. Any unclaimed, refunded or denied payment will be returned to you or to the original payment method. We will return any unclaimed money transfer to you, or to the original payment method, within thirty (30) days of the date we are informed that the paying agent has rejected your money transfer transaction.

If you provide us with incorrect recipient information, we will contact you to correct the recipient information or process a refund of your money transfer.

If you use your mobile phone to make money transfers, you are responsible for any fees that your phone service provider charges, such as fees for SMS, data services, and any other fees that your phone service provider may charge. Your phone service provider is not the provider of these money transfer services; instead, the Company is the provider of these money transfer services.

SMS Messages

Users may elect to enroll in the JDC ALERT SMS program in order to receive notifications and alerts about their money transfer transactions. Users may opt-in to receive such JDCLERT SMS notifications by texting "YES" and your ‘’NAME’’ to +233 55 795 1223, in response to an opt-in message. Message and data rates may apply. To stop receiving JDCLERT messages, text "STOP" and you ‘’NAME’’ to +233 55 795 5277. To get help, call JDC at +233 55 795 1223 email {info@jdcghana.com or jdcghana@gmail.com} for assistance. If a user's mobile carrier is not a participant, the user may not enroll for JDC ALERT notifications. If you enroll in the JDC ALERT SMS program, you are responsible for any fees that your phone service provider charges, such as fees for SMS, data services, and any other fees that your phone service provider may charge.

Intellectual Property Rights

The website and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by JDC, its licensors or other providers of such and are protected by Ghana and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

You are permitted to use the website for your personal, non-commercial use only. You must not copy, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the content on our site, except to (a) store copies of such temporarily in RAM; (b) store files that are automatically cached by your web browser for display enhancement purposes; and (c) print a reasonable number of pages of the website for a permitted use.

You must not (a) modify copies of any content from this site; or (b) delete or alter any copyright, trademark or other proprietary rights notices from copies from this site.

You must not reproduce, sell or exploit for any commercial purposes any part of the website, access to the website or use of the website or any services available through the website.

If you print, copy, modify, download or otherwise use any part of the website in breach of the terms of use, your right to use the website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in or to the website or any content on the site is transferred to you, and all rights not expressly granted are reserved by JDC. Any use of the website not expressly permitted by these terms of use is a breach of these terms of use and may violate copyright, trademark and other laws.

Company Trademarks

JDC name, and all related names, logos, product and service names, designs and slogans are trademarks of JDC or its affiliates or licensors. You must not use such marks without the prior written permission of JDC. All other names, brands and marks are used for identification purposes only and are the trademarks of their respective owners.

Acceptable Use

Use of the website and information transmitted in connection with the money transfer transaction is limited to the contemplated functionality. In no event may the website or JDC's money transfer service be used in a manner that (a) harasses, abuses, stalks, threatens, defames or otherwise infringes or violates the rights of any other party (including but not limited to rights of publicity or other proprietary rights); (b) is unlawful, fraudulent, deceptive or otherwise violates any applicable federal, state, local or international law, statute, ordinance or regulation; (c) uses technology or other means to access JDC that is not authorized by us; (d) use or launch any automated system, including without limitation, "robots," "spiders," or "offline readers," to access JDC; (e) attempts to introduce viruses or any other computer code, files or programs that interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; (f) attempts to gain unauthorized access to JDC's computer network or user accounts; (g) encourages conduct that would constitute a criminal offense, or that gives rise to civil liability; (h) violates these Terms of Use; (i) attempts to damage, disable, overburden, or impair JDC's servers or networks or otherwise attempts to interfere with the proper working of the website; (j) infringes on our or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy; (k) provides false, inaccurate or misleading information; or (l) may cause us to lose any of the services from our Internet service provider or other suppliers (collectively "Acceptable Use"). You further agree that you may not refuse to cooperate in an investigation or to provide confirmation of your identity or any information you provide to us in connection with your use of the website.

Monitoring and Enforcement; Termination

We have the right in our sole discretion to (a) take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the website, and (b) suspend or terminate your access to all or part of the website for any or no reason, including without limitation, any violation of these terms of use. Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone effecting a transaction on or through the website.

You waive and hold harmless JDC from any claims resulting from any action taken by the company during or as a result of its investigations and from any actions taken as a consequence of investigations by either the company or law enforcement authorities or regulator authorities related to the money transfer service or your use of the money transfer service.

Changes to the Website and Money Transfer Procedures

We may modify or update the website and/or money transfer procedures from time to time, in JDC's sole discretion, with or without notice, except as required by law. We may suspend access to the website, or close it.

Information about You and Your Visits to the Website

All information we collect on this website is subject to our privacy policy. You represent and warrant that all data provided by you is accurate.

Links from the Website

If the website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them, or for any merchandise, goods or services you may purchase or obtain from them. If you decide to access any of the third party websites linked to this website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

Geographic Restrictions

We provide this website for use only by persons located in Ghana. We make no claims that the website or any of its content is not accessible outside of Ghana Access to the website may not be legal by certain persons or in certain countries. If you access the website from outside Ghana you are in violation of these terms of use, and, are fully responsible for you actions, including full responsibility for compliance with applicable foreign laws. We may suspend or terminate your service, if your actions contravenes the laws of that country.

Persons under 18

The service is intended for the use by users who are eighteen (18) years of age or older. Please note that the service (including, without limitation, the underlying network, system, software, servers, various directories and listings, various message and news boards, tools, information and databases) is not intended for use by persons under eighteen (18) years of age. If it comes to our attention through reliable means that a user is a child under eighteen (18) years of age, we will cancel that user's account and will delete all information regarding such user from our system and records.

Disclaimer of Warranties

You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output and for maintaining a means external to our site for any reconstruction of any lost data. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful files that may infect your computer equipment, computer programs, data or other proprietary mateJDCl due to your use of the website or any services or items obtained through the website.

Your use of the website, its content and any services obtained through the website is at your own risk. The website, its content and any services obtained through the website are provided on an "as is" and "as available" basis, without any warranties of any kind, either expressed or implied. Neither the company nor any person associated with the company makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy or availability of the website. Without limiting the foregoing, except to the extent required by law, neither JDC nor anyone associated with JDC represents or warrants that the website, it's content or any services or items obtained through the website will be accurate, reliable, error-free or uninterrupted, that defects will be corrected, that our site or the server that makes it available are free of viruses or other harmful components or that the website or any services or items obtained through the website will otherwise meet your needs or expectations.

The company hereby disclaims all warranties of any kind, either expressed or implied, statutory or otherwise, including but not limited to any warranties of merchantability, non-infringement and fitness for particular purpose.

The foregoing does not affect any warranties which cannot be excluded or limited under applicable law.

Liability and Limitation on Liability

You are responsible for any chargeback, claim, reversal, fee, fine, penalty and other liability incurred by us, another user of our services, or a third party caused by or arising out of your breach of these terms of use, and/or your use of our money transfer Service. You agree to reimburse us, another user, or a third party for any and all such liability.

Except as otherwise required by law, JDC's liability is limited to the U.S. dollar amount showing on the face of receipt for your money transfer transaction, including service charges. Except as provided in the previous sentence, in no event will the company, its affiliates or their licensors, service providers, employees, agents, officers or directors be liable for damages of any kind, under and legal theory, arising out of or in connection with your use, or inability to use, the website, any websites linked to it. Any content on the website or such other websites or any services obtained through the website or such other websites, including any direct, indirect, special, incidental, consequential or punitive damages, including but not limited to, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

If the company does not properly complete transactions on time or in the correct amount in accordance with this agreement with you, JDC may be liable for your losses, up to the limitation described in the preceding paragraph. However, the company will not be liable if (a) through no fault of the company, you do not have enough funds available in your bank account, debit card account, or credit card account to complete the transaction; (b) the paying agent or recipient refused to accept your money transfer; (c) to complete the transaction; (b) the paying agent or recipient refused to accept your money transfer; (c) your funds are subject to legal process or other encumbrances restricting transfer; (d) you provide incorrect or incomplete transaction information to JDC; or (e) if your use is not an acceptable use.

The foregoing does not affect any liability which cannot be excluded or limited under applicable law.

Indemnification

You agree to defend, indemnify and hold harmless JDC, its affiliates and licensors and their respective officers, directors, employees, contractors, agents, licensors and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees) resulting from your violation of these terms of use or your use of the website, including, without limitation, any use of the website's content or services other than as expressly authorized in these terms of use or your use of any information obtained from the website, or your negligence, fraud or wilful misconduct.

Governing Law and Jurisdiction

These terms of use and any dispute or claim arising out of, or related to, them, their subject matter or their formation (in each case, including non-contractual disputes or claims) shall be governed by and construed in accordance with the internal laws of Ghana without giving effect to any choice or conflict of law provision or .

Dispute Resolution by Binding Arbitration

Any dispute, claim or controversy of any kind arising out of or relating to this agreement or the breach thereof shall be settled exclusively by arbitration administered as in accordance of the laws of Ghana and in accordance with its Commercial Arbitration Rules including the Optional Rules for Emergency Measures of Protection.. This arbitration provision is made pursuant to a transaction involving interstate commerce, and the Federal Arbitration Act (the "FAA") shall apply to the construction, interpretation, and enforceability of this provision notwithstanding any other choice of law provision contained in this Agreement. You should review this arbitration provision carefully. This provision limits you and JDC's ability to litigate claims in court and you and JDC each agree to waive our respective rights to a jury JDC. Any arbitration under this provision shall take place on an individual basis; class arbitrations and class actions are not permitted. You will not have the right to participate as a class representative, private attorney general, or as a member of any class of claimants for any claim subject to arbitration. A claim by, or on behalf of, other persons will not be considered in, joined with, or consolidated with, the arbitration proceedings between you and us. Any dispute regarding the prohibitions in the prior sentence shall be resolved by the arbitrator in accordance with this arbitration provision.

A party who intends to seek arbitration must first send to the other, by certified mail, a written notice of dispute ("Notice"). Any Notice to JDC should be addressed to JUPITER DEVELOPMENT COMPANY LTD Legal Department ("P.O BOX 15063 ACCRA GHANA"). Any Notice must (a) describe the nature and basis of the claim or dispute, and (b) set forth the specific relief sought ("Demand"). If you and JDC do not reach an agreement to resolve the claim within 30 days after the Notice is received, you or we may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by you or us shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or we are entitled.

You and we agree, upon written demand made by you or us, to submit to binding arbitration all disputes, controversies, and claims, whether based on contract, tort, fraudulent misrepresentation, statute, regulation, constitution, common law, equity, or any other legal basis or theory, and whether pre-existing, present, or future, that arise out of or relate to this Agreement, money transfer services, or the benefits provided by them, or any advertisements, promotions, or oral or written statements related to money transfer services, or the relationships that result from the purchase and use of money transfer services, or the scope or enforceability of this agreement, including the determination of the applicability of this agreement to arbitrate (collectively, a "Claim").

The arbitration tribunal shall consist of a single arbitrator mutually agreed upon by the parties, or in the absence of such agreement within thirty (30) days from the first referral of the dispute to AAA, designated by AAA. The arbitrator shall be an active member in good standing of the bar for any state in the continental United States and shall be either actively engaged in the practice of law for at least 5 years, or a retired judge. You and we understand that in an arbitration, discovery is more limited than in a court and review by courts is very limited. The place of arbitration shall be Los Angeles, California or, if you so elect within fifteen (15) days from the first referral of the dispute to AAA, in the federal judicial district of your residence, and you will be given the opportunity to attend the proceeding and be heard. The arbitral award shall be final and binding. Judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. All parties retain the right to seek relief in a small claims court for disputes or claims within the jurisdictional limits of the small claims court.

Each party retains the right to seek judicial assistance: (a) to compel arbitration; (b) to obtain provisional or ancillary remedies or measures of protection prior to or pending arbitration; (c) to seek injunctive relief in the courts of any jurisdiction as may be necessary and appropJDCte to enforce intellectual property rights; and (d) to enforce any decision of the arbitrator, including the final award. In no event shall any party be entitled to punitive, exemplary or similar damages.

You and we agree that the arbitrator: i) shall limit discovery to non-privileged matters directly relevant to the arbitrated dispute; ii) shall grant only relief that is based upon and consistent with substantial evidence and applicable substantive law; iii) shall have authority to grant relief only with respect to claims asserted by or against you individually; and iv) shall provide a written statement stating the disposition of each claim and a concise written explanation of the basis for the award and shall make specific findings of fact and conclusions of law to support any arbitration award. Unless inconsistent with applicable law, and except as otherwise provided herein, each party shall bear the expense of its respective attorney, expert, and witness fees, regardless of which party prevails in the arbitration. We will pay to AAA the portion of the arbitration filing fee that exceeds the cost of filing a lawsuit in the federal court where you live. If you are unable to pay the filing fee, we will pay it directly upon receiving a written request. We will pay all of the remaining administration fees and other costs, including the arbitrator's fees, for any non-frivolous claim (measured by the standards set forth in Federal Rule of Civil Procedure 11(b)) that does not exceed $15,000. For all other claims, the arbitrator will decide whether we or you ultimately will be responsible for paying any fees or other costs in connection with the arbitration under the applicable rules.

If we made a written offer to settle the dispute before an arbitrator was selected, and the arbitrator awards you any relief on the merits that is greater than the value of JDC's last settlement offer, then we will: i) pay you the amount of the arbitrator's award or $5,500 (the "alternative award") whichever is greater; and ii) pay your attorney twice the amount of reasonable attorneys' fees, plus reimbursement for expenses (including expert witness fees and costs), that your attorney reasonably accrues for investigating, preparing and pursuing your claims in arbitration (the "attorney premium"). If we did not make a written offer to settle the dispute before an arbitrator was selected, and the arbitrator awards you any relief on the merits, you and your attorney will be entitled to receive the alternative award and the attorney premium, respectively.

If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions of this arbitration provision will remain valid and enforceable. This arbitration provision shall survive expiration or termination of the Agreement.

Limitation on Time to File Claims

Any cause of action or claim you may have arising out of or relating to these terms of use or the website must be commenced within (1) year after the cause of action accrues, otherwise, such cause of action or claim is permanently barred.

Waiver and Severability

No waiver of these terms of use by JDC shall be deemed a further or continuing waiver of such term or condition or any other term or condition, and any failure of JDC to assert a right or provision under these terms of use shall not constitute a waiver of such right or provision.

If any provision of these terms of use is held by a court of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the terms of use will continue in full force and effect.

Entire Agreement

The terms of use, our privacy policy, and your receipt for any money transfer transactions constitute the sole and entire agreement between you and JDC with respect to the website and your effecting money transfer transactions through the website, and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the website.

Changes to the Terms of Use

We may revise and update these terms of use from time to time in our sole discretion by posting a revised version on our website. Except as otherwise required by law, the revised version will be effective at the time we post it. You are expected to check this website from time to time to take notice of any changes we made, as they are binding on you. Your continued use of the website following the posting of revised terms of use means that you accept and agree to the changes.

Licensed as a Money Transmitter by the Department of Financial Services of the country Ghana