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1.1. This agreement is between you and Merchantrade Asia Sdn Bhd (“us” or “we” unless referred to individually”), offering the service in conjunction with MoneyGram Payment Systems, Inc. (“MoneyGram”) to provide you with the MoneyGram® Money Transfer Service. The terms in the form on the overleaf are part of this agreement.
1.2. You must ensure all requested information is provided. If you do not, we may not be able to send the money. You must call us at the number below if any of the information you provide changes before the recipient collects or receives the money.
1.3. The MoneyGram® Money Transfer Service allows you to send money to your named recipient (the “recipient”) to (a) collect in cash (the “cash to cash” service) at a MoneyGram service representative location (“MoneyGram service rep”); or (b) receive into his/her bank account or other type of physical or virtual account, for example a mobile wallet account (the “cash to account” service) via the MoneyGram® Money Transfer Service. These conditions apply to both services, except where we say they apply to one of them.
1.4. For cash to cash transfers, you can send money to a country outside of Malaysia ( “receive country”). The recipient can only collect the money in the receive country stated in the form. Once we have processed your request and been given your money, the recipient can collect the money at any MoneyGram service rep location in the receive country within minutes (during opening hours) in cash, in the currency stated in the form unless condition 2.2(a) below applies. We or MoneyGram will not contact the recipient when the money is ready to collect, so this is something you will need to do.
1.5. MoneyGram does not offer the services in all countries. You can call us, ask in our location or visit www.moneygram.com website to find out the availability of MoneyGram service rep location in the receive country, addresses and opening times of MoneyGram service rep locations.
1.6. Our contact details: our telephone number is +603 7727 8606, our website is https://mtradeasia.com/ ; our address for writing to us Suite 1632, 16th floor, Lobby 7, Block A, Damansara Intan, No. 1, Jalan SS20/27, 47400 Petaling Jaya, Selangor, Malaysia; and our email address is Customercare@Mtradeasia [email protected].
2.1. You must pay us the fee stated. You will not be charged any other fee for the transfer. You can only send money in Malaysian Ringgit. We will tell what payout currency is available at a particular MoneyGram service rep location in the receive country and what exchange rate will apply. Your chosen payout currency, the agreed exchange rate and the converted amount will be provided.
2.2. However, for cash to cash transfers to certain countries: (a) if the recipient’s MoneyGram service rep location does not pay out in that currency, the transfer amount will be converted into the local currency using MoneyGram’s or MoneyGram service rep’s standard exchange rate; (b) if the money (whatever foreign currency it is sent in) is not collected within 45 days, the recipient’s MoneyGram service rep may recalculate the converted amount at the time of collection, using MoneyGram’s or MoneyGram service rep’s standard exchange rate. Please ask us for details.
There are limits on how much you can send and, as necessary, we will tell you what they are. We may refuse to send the money or MoneyGram service rep may not allow it to be collected if we and/or MoneyGram service rep reasonably believes that: (a) by doing so we and/or MoneyGram service rep might break any law, regulation, code or other duty that applies to us, MoneyGram or to MoneyGram service rep; (b) doing so may expose us, MoneyGram or MoneyGram service rep to action from any government or regulator; or (c) it may be linked with fraudulent or illegal activity.
You do not have a right to cancel the transfer. We may nevertheless be able to cancel it before the recipient collects or receives the money. If you wish to cancel the transfer and request a refund of the transfer amount, enquire in our location or write to us at the address provided at Section 1.6 above. We aim to process such requests promptly but in any case within 30 days.
If you ask us to make a transfer to be collected in cash and the transfer amount has not been collected within 90 days, we will treat the transfer as no longer capable of execution (an “Expired Transfer”). We will have no obligation, after that 90 day period, to execute an Expired Transfer. If an Expired Transfer occurs, you will be entitled to a refund of the amount of the Expired Transfer. If you become aware that a transferred amount has not been collected please contact us to ask for a refund.
6.1. In order to collect the money and complete a Transfer, the following must be provided: (i) Identification; (ii) the recipient’s details; (iii) the Sender’s name; (iv) the Transfer amount; and (v) the 8-digit reference number.
6.2. We will not have any liability in the event that the Transfer is disbursed, when and as applicable, to an individual who provides valid identification to the Agent describing such person as the Receiver (even if such identification was false or forged) and provides a Reference Number. You must not give the details referred to in condition 6.1 to anyone other than your chosen Recipient. You must also do all you reasonably can to make sure no one else can obtain them - for example, by (i) not letting anyone see your receipt; (ii) not writing down the reference number in a way that can be recognized, nor letting anyone overhear you tell the Recipient the reference number; and (iii) not trusting a person (other than the Recipient) who tries to assure you it is safe to disclose some or all of those details to them.
We will send the money to the bank account you specify. For information on when a payment will be credited to such an account, you or your recipient will need to contact us orMoneyGram. Additionally, the recipient will also be able to obtain such information from the recipient’s bank. The recipient’s bank may apply its own charges to the transfer, which do not involve us or MoneyGram.
MoneyGram service reps may offer additional services or their own products to recipients under separate agreements, which do not involve us or MoneyGram (and so for which neither we nor MoneyGram are liable). MoneyGram service reps may charge extra for those services, and will use a currency conversion rate of their choice if they involve changing currency.
9.1. Neither we nor MoneyGram will be liable if this agreement is breached because of: (a) abnormal and unforeseeable circumstances outside our control where breaking this agreement could not be avoided despite our efforts to the contrary - this may include, for example, delays or failures caused by industrial action, problems with another system or network, mechanical breakdown or data-processing failures; or (b) our obligations under the laws of Malaysia or other applicable laws to which we or MoneyGram may be subject to.
9.2. Neither we nor MoneyGram are liable to you for more than the amount of money you send and our fee. Neither we nor MoneyGram will be liable for any incidental, indirect, special or consequential losses or costs you suffer or, as this agreement is made with you as a consumer, any business losses or costs (such as loss of business profits or opportunities).
9.3. The MoneyGram® Money Transfer Service is for you to send money to a private individual known by you rather than to make a commercial payment, and you must not use it for those types of transaction. You must also follow the fraud warnings provided. If you ask us to pay someone who turns out to have defrauded you, or who fails to meet their obligations to you, neither we nor MoneyGram will be liable as a result.
10.1. We and/or MoneyGram will report money transfers to any government authorities if required to do so by law.
10.2. The MoneyGram® Money Transfer Services do not involve you or the recipient having a “deposit” or a deposit account with us or MoneyGram (or any other company helping with the transfer), apart from the receiving bank for a cash to account transfer at any time.
10.3 If there is any conflict between the English and Malay version of this agreement, the English version will apply
We are committed to providing you with the best service at all times. In the unlikely event that you are dissatisfied with the MoneyGram® Money Transfer Services, please contact us as soon as possible. For full details of our complaints procedure or consumer protection advice, or to submit a complaint, you can visit our website at https://mtradeasia.com/ ; or write to Suite 1632, 16th floor, Lobby 7, Block A, Damansara Intan, No. 1, Jalan SS20/27, 47400 Petaling Jaya, Selangor, Malaysia; or alternatively, write to Customer Relations at the address in condition 1.6.
1.1. The agreement is between you and Merchantrade Asia Sdn Bhd (“us” or “we”) offering the MoneyGram® money transfer service (“Service”) in conjunction with MoneyGram Payment Systems, Inc. (“MoneyGram”). These Terms and Conditions, along with the Documentation (as defined in Section 1.3) used in connection with the Service to which these Terms and Conditions may be included or attached, constitute the entire agreement (“Agreement”) between us and you, the individual recipient of the Service (“you” or “Receiver”).
1.2. This Agreement and the Service allow you to receive a money transfer (a “Transfer”) that has been sent using the Service from an individual (“Sender”). The Transfer has been sent to you in a currency and amount specifically designated by the Sender from a location operated by agents, authorised delegates or other permitted entities (“Agents”) of MoneyGram, to collect from our locations and we will not charge you any fees for receiving the Transfer. The Service is available to you only in your individual capacity known to the Sender.
1.3. You must sign any other documentation related to the Transfer, including all forms, receipts, or acknowledgments (collectively, the “Documentation”) fully and accurately in order to use the Service, as applicable.
1.4. By using, or attempting to use, the Service in any capacity, you are acknowledging that you (i) accept the terms of this Agreement, (ii) have read the Documentation relating to the Transfer and that the information as described on the Documentation is accurate, and (iii) have received from us the currency and amount described in this Agreement and/or the Documentation. To the extent you desire to exchange the Transfer into a currency other than the currency as described in this Agreement, you further acknowledge and agree that any subsequent exchange of the Transfer is a separate transaction from the Service and is subject to the provisions of Section 6 of this Agreement.
1.5. You must provide the Agent with valid identification to receive the Transfer. We will not have any liability in the event that the Transfer is disbursed, when and as applicable, to an individual who provides valid identification to the Agent describing such person as the Receiver (even if such identification was false or forged) and provides a Reference Number.
2.1. You acknowledge that the Sender or MoneyGram, in certain circumstances, may cancel the Transfer designated for you at any time prior to your receipt and that upon such event, you will not be entitled to receive the Transfer.
2.2. The Service, or your ability to receive the Transfer, may also be delayed, restricted or unavailable depending upon the Service selected by the Sender, our hours of operation, the amount of the Transfer, currency availability, and legal, and regulatory compliance, including ID requirements. We will not disburse the Transfer to you if we or MoneyGram believe that the Transfer or the Service is being used in any way to violate applicable laws, regulations, codes or MoneyGram’s policies and procedures, including any association with fraud, anti-money laundering laws, or other illegal activity or will expose us or MoneyGram to action from any government or regulator.
2.3. If the Transfer is not disbursed to you, you may contact us to inquire into the status of the Transfer and we may be able to assist you, subject to all applicable laws and regulations relating to the Services.
3.1. If the Transfer is not made properly or never arrives, we may be liable to the Sender. We will not be liable to you, except that nothing in this Agreement excludes or limits our liability to the extent that we are unable to exclude or limit it by law.
3.2. The Transfer and use of the Service does not involve you having a “deposit” or an account with us or MoneyGram.
3.3. Services are directed to persons 18 years and over and may not be used for escrow purposes or trust or gambling, and may only be used for a lawful purpose. In the event of any conflict between the English version of the Agreement and any translated version of the Agreement, the English version of the Agreement shall govern and we will communicate with you in English. The laws of Malaysia apply to this Agreement.
3.4. This Agreement does not and is not intended to confer any rights or remedies upon any person other than you and us.
We are committed to ensuring that you receive high quality service from us and MoneyGram. In the event that you are dissatisfied with our Service or believe that an error has occurred with your Transfer ,please contact us as soon as possible .For full details of our complaints procedure or consumer protection advice, or submit a complaint, you can :
· Call us on +603 7727 8606 (you may be charged for calls to this number by mobile phone)
· Visit our website https://mtradeasia.com/ for full details of our complaints procedure or consumer protection advice or to submit a complaint
· Send an email to us at [email protected] or
· Write to the Customer Relations at the address: Suite 1632, 16th floor, Lobby 7, Block A, Damansara Intan, No. 1, Jalan SS20/27, 47400 Petaling Jaya, Selangor, Malaysia
In addition to offering the Service, we may offer you our own products or services such as currency exchange. These additional products or services are separate and independent from the Service, are offered under our own terms and conditions, and do not involve MoneyGram in any way. These additional products and services are likely to have their own fees associated with them.
IMPORTANT INFORMATION - Fraud Warning About Your Money Transfer
Keep your money safe. If any of the below apply, DO NOT SEND the money transfer. It’s a scam and someone is trying to steal your money. If you send money, it can be paid out quickly, and you may not be able to get a refund.
Never transfer money to a stranger. Know who you are dealing with. A money transfer is like cash.
Never send money in the following situations:
Never send money without checking out the story. Reach out to that friend or family member first.
If it sounds too good to be true, it probably is.
Never give your transaction reference number to anyone other than your intended recipient. Sellers and telemarketers can’t take money transfer payments from people in the US for goods or services. If you’ve lost money to a scam via MoneyGram, call 1-800-817-308 or visit www.moneygram.com to file a fraud report.
Pastikan wang anda selamat. Jika terdapat mana-mana perkara di bawah, JANGAN HANTAR pindahan wang. Ia adalah penipuan dan seseorang sedang cuba mencuri wang anda. Jika anda menghantar wang, ia akan dibayar dengan cepat dan anda mungkin tidak boleh mendapatkan bayaran balik.
Jangan sekali-kali memindahkan wang kepada orang yang tidak dikenali. Ketahui dengan siapa anda berurusan.
Jangan sekali-kali menghantar wang dalam situasi berikut:
Jangan sekali-kali menghantar wang tanpa menyiasat cerita tersebut. Hubungi rakan atau ahli keluarga terlebih dahulu.
Sekiranya cerita terlalu sukar untuk dipercayai, maka itu adalah penipuan.
Jangan sekali-kali memberikan nombor rujukan transaksi kepada sesiapa selain daripada penerima yang dimaksudkan. Jika anda telah kehilangan wang melalui penipuan MoneyGram, hubungi 1-800-817-308 atau layari www.moneygram.com untuk membuat laporan penipuan.