Terms and Conditions

1. Introduction

1.1. Atlantic Transfers, LLC ("we" or "us") through a network of agents, authorized delegates, or other permitted entities ("Agents"). These Terms and Conditions, along with the terms in your online form used in connection with the Atlantic Transfers, LLC to which these Terms and Conditions may be included, constitute the entire agreement ("Agreement"). The Agreement governs your access to and use of atltransfers.com, including any content, functionality and services offered on or through the atltransfers.com domains, subdomains or sub-directories, regardless of your means of access and use (whether online or mobile, including by way of mobile application), whether as a guest or a registered user.

1.2. This Agreement and Atlantic Transfers, LLC allow you to send an online money transfer (a "Transfer") to the person named on the online form (the "Recipient") and allows them (i) to collect in cash at a Atlantic Transfers, LLC locations or partners (our "online to cash" service); or (ii) to receive into their bank account (our "online to account" service). These terms and conditions apply to both services except where we say they apply to only one of them.

1.3. You must set up a "Profile" to use the Atlantic Transfers, LLC online service. When setting up your profile you will be required to enter your personal information, a "User ID" (which is your email address and is used for identification purposes and to login to your Profile) and a password. For any subsequent transfers you can use your existing Profile using your User ID and password to login. All information provided by you shall be stored in your Profile and shall be maintained by us or our "Service Providers" (any company or companies engaged by us or our contractors to provide Atlantic Transfers, LLC based upon the information supplied by you.

1.4. By using, or attempting to use, Atlantic Transfers, LLC online services in any capacity, you are acknowledging that you (i) accept the terms of this Agreement and (ii) have read all terms relating to the transfer and all information as described in the online form. You must indicate your consent to this Agreement by ticking both the Terms and Conditions box and the "SUBMIT" button and ensuring all sections have been fully and accurately completed. If you do not, we may not be able to send the money. You must contact us by phone or email if any of the information you provide changes before the Recipient collects or receives the money.

1.5. You cannot send a transfer on behalf of a third party.

1.6. For online to cash transfers, you can either send the money within the same country or to a different "Receive Country". Once your transfer has been accepted by us and the money has been collected from your credit card, bank account or debit card, the Recipient can collect the money in the agreed currency (subject to condition 3.7) at any Atlantic Transfers, LLC location or partners in the Receive Country that you stated in the online form. We will not contact the Recipient to advise them when the money is ready for collection; this is something you will need to do. Collection may only be made during the receive Agent's opening hours and subject to local regulations.

1.7. We do not offer our services in all countries. You can call us, visit our website or ask an Agent to find out the availability of our services and addresses and opening times of locations offering the services.

1.8. We may communicate with you electronically (for example, by email) unless we are required by law or regulatory requirements to communicate in another way. If you do not wish to receive communications electronically, you may not use our Atlantic Transfers, LLC online service.

1.9. You agree to promptly update your records if your email address or other contact information in your Profile changes (otherwise we may write to you using an old address). Follow the instructions on our website to update your Profile.

2. Using the Atlantic Transfers, LLC Online Service

2.1. You agree to use Atlantic Transfers, LLC services for bona fide and lawful purposes. You may not use Atlantic Transfers, LLC services to conduct gambling activities or any illegal activity. We have the right to terminate your Profile and to stop (or reverse) any transfer if we reasonably believe, you or the Recipient are using the Atlantic Transfers, LLC for any illegal or gambling purposes or if: (a) your debit or credit card payment is blocked or reversed; (b) the transfer would be unlawful or break this Agreement. You agree that neither Atlantic Transfers, LLC nor any Agent or Service Provider will be held responsible or liable to you or any other person for such action except as required by law or regulatory requirements.

2.2. We are required to report suspicious activity to appropriate law enforcement organizations or other government agencies.

3. Charges and Currency Exchange

3.1. You must pay us the fee stated in the online form. We will not charge you any other fee for the transfer. For each transfer you initiate, you authorize us (or anyone authorized by us) to take payment from your bank account, debit or credit card for the transfer amount, plus a fee, that shall be charged to you for initiating the Transfer (the "Consumer Fee"). Please note than in addition to the Consumer Fee applicable to a transfer, a currency exchange rate will also be applied.

3.2. If paying by credit card, your credit card will be charged as soon as we accept your request for the transfer. Please note that fees for credit card payments may be higher. If you are paying by debit card and there are insufficient funds in your account, your financial institution may charge you a fee and your bank may also allow the payment by way of an unauthorized overdraft on your account and charge a fee and interest. If the charge to your Payment Account is returned, charged-back or canceled for any reason after Atlantic Transfers, LLC has processed your Remittance request, you will be responsible to Atlantic Transfers, LLC for the principal amount of the Remittance and all associated fees and charges. You agree to pay such amounts, plus any applicable additional service fee and/or a non-sufficient funds (NSF) fee of up to $50 USD because of the return to Atlantic Transfers, LLC immediately upon demand. You authorize us to debit your Payment Account for any of the foregoing amounts. You may be subject to fees (including a cash advance fee) under your agreement with the bank or other financial institution that issues your debit card when you use such a card for a Remittance. You should review your card agreement regarding such potential fees. Also note that it is a criminal offence in most jurisdictions, including the United States to make a payment for which there are no funds available. Atlantic Transfers, LLC may seek criminal prosecution in instances where customer is criminally liable.

3.3. The financial institution that provides you with your debit or credit card may impose fees in connection with your payment for a transfer. Fees imposed by your financial institution or by any other person not directly a party to the transfer, such as the Recipient's financial institution, will not be reflected on the webpage containing information regarding the transfer that you can print ("Receipt") for your transfer. In addition, it is possible that other taxes or costs may apply to the transfer that are not imposed by us or paid through us.

3.4. If a transfer is not authorized by you, we will immediately issue a refund unless one or more of conditions (a), (b) or (c) below apply. You will not be responsible for the transfer unless: (a) it can be proven that you have acted fraudulently; (b) you did not tell us that your Profile security details (including username and/or password) had been or might be misused before the payment was made, and it can be proven that you have been grossly negligent in not keeping those details safe or you deliberately did not keep them safe; or (c) you have failed to keep your Profile security details safe without being grossly negligent, and in this case you will only be responsible for the first $100 of costs and losses arriving before you tell us about the unauthorized transaction.

3.5. If you are not liable for a payment, and we cannot collect it from your debit or credit card, or the payment is reversed, we will have no further liability to you.

3.6. You can only send money in a certain currency or currencies. Our website will specify which pay-out currency is available in the Receive Country and (if different to the currency in which you pay us) what exchange rate will apply. Your chosen currency, the agreed exchange rate and the converted amount will be stated in the online form and in the Receipt.

SPECIAL SERVICES

TELEPHONE NOTIFICATION to the Receiver that the Money Transfer is available for pick up is offered in The United States and certain international destinations. MESSENGER DELIVERY of a Money Transfer cheque is available to selected international destinations. SUPPLEMENTAL MESSAGES may be included with domestic and most international Money Transfers.

4. Restrictions on Transfers

4.1. There are limits on the amount you can send. We will, as necessary, tell you what they are. We may refuse to send the money or allow it to be collected if we reasonably believe that: (a) by doing so we might break any law, regulation, code, or other duty that applies to us; (b) doing so may expose us to action from any government or regulator; or (c) it may be linked with fraudulent or illegal activity.

4.2. Unless the law prevents us, you can call us, and we will tell you the reasons for our refusal and how you can put right any errors that led to our refusal. If you prefer (and the law allows), or if the law requires, we will return the money to you.

5. Cancelling and Refunding a Transfer

5.1. We will pay the Receive Amount to the Recipient in accordance with your instructions unless you notify us otherwise. If you wish to cancel this Agreement for a transfer, you can call us or contact us via Atlantic Transfers, LLC and request a refund of the transfer amount. We aim to process such requests promptly but, in any case, within 30 days.

5.2. If you cancel this Agreement, we will generally reimburse any payments which you made to us before exercising your right of cancellation, but: (a) we may not reimburse the Consumer Fee as a reflection of the costs already incurred by us except when the cancellation is due to an error by Atlantic Transfers, LLC; or (b) we will not reimburse you if we have paid the Receive Amount to the Recipient before we get your notice of cancellation.

5.3. For an online to cash transfer, if the transfer was not made properly or did not arrive, we will promptly refund the money and the Consumer Fee if appropriate after investigating the circumstances surrounding the execution of the transfer.

5.4. We will not be liable where you have not met your obligations in condition 8.3 and the money is paid to someone who gave the Agent what it reasonably believed to be valid identification for the Recipient ("Identification"). Identification will typically comprise a passport or other government issued identification document (the requirements differ depending on which country the transfer is collected in- you can find out what the requirements are from an Agent or us.

5.5. We will not refund you if we are not liable under condition 13.4.

6. Receiving a Transfer

6.1. A transfer made in conjunction with the initial application for a Profile will be delayed until your identity and funding information has been fully confirmed by Atlantic Transfers, LLC.

6.2. Due to circumstances beyond our control such as exchange control regulations of the Receive Country, transfers to certain destinations may be subject to delay or to restrictions imposed under the laws of the Receive Country.

7. Expired Transfers

7.1. If you ask us to make a cash-to-cash transfer 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.

7.2. If an Expired Transfer occurs, we will attempt to contact you so that you can arrange for 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.

8. Identification and Pay Out for online to cash Transfers

8.1. To collect the money and complete a transfer, the following must be provided: (i) Identification; (ii) the Recipient's details from the online form; (iii) the Sender's name; and (iv) the transfer amount.

8.2. For certain transfers (depending on the Receive Country and amount – contact us or an Agent for the details), the reference number given to you at the time of the transfer may also be required to collect the money.

8.3. You must not give details referred to in condition 8.1 or (if they are required to collect the money) in condition 8.2 to anyone other than your chosen Recipient. You must do all you reasonably can to make sure no one else can obtain them - for example, by (i) not letting anyone see the online form; (ii) not writing down the reference number in a way that can be recognized, nor letting anyone overhear you tell the Recipient what they are; 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.

9. Additional Conditions for online to account Transfers

9.1. We will send the money to the account you specify on the online form. If the account held in the U.S. is other than in dollar or is a dollar account in the U.S., the account provider (e.g. bank) will receive the money within two business days (being Monday to Friday, but not public holidays) after you asked us to send it. Otherwise, the account provider will receive the money within four business days after you asked us to send it. The account provider is required by law to put the money into the Recipient's account as soon as it receives it.

9.2. Banking practices may vary in various jurisdictions - for more information on when a payment will be credited to such an account, you need to contact the Recipient's account provider. The Recipient's account provider may apply its own charges to the transfer, which do not involve us.

9.3. If you ask us to send money to an account and the transfer was not made properly or never arrived, we will promptly refund your money and our fee - unless we can show that the account provider received the money or that there was a mistake in the Recipient's account details that you gave us.

10. Separate Arrangements

10.1. In addition to their offering of our services, Agents may offer you their own products or services such as currency exchange. These additional products or services are separate and independent from our services, are offered under the Agent's own terms and conditions, and do not involve Atlantic Transfers, LLC in any way. These additional products and services are likely to have their own fees associated with them.

11. Records of Transfers

11.1. Records of your transfers will be posted in your Profile section of our website. You may access the record at any time by logging in to your account.

12. Your Liability

12.1. You should regularly check for information about transfers on your credit, bank, or debit card statements, and you must contact us at once at the contact details given in condition 17.1 if you need to query any transfer made through the Atlantic Transfers, LLC Online Service. If you call us, we may ask you to follow up with details in writing within 10 working days.

13. Our Liability, Limitations

13.1. This Agreement constitutes the entire agreement between you and us regarding the use of the Atlantic Transfers, LLC online service, and supersedes any prior agreements between you and Atlantic Transfers, LLC to the extent that they might otherwise apply to the Atlantic Transfers, LLC online service. Otherwise, any such other agreements remain in full effect in accordance with their terms.

13.2. If you believe a transfer was not made properly or did not arrive, you must call or write to us as soon as you reasonably can inquire into the status of the transfer. We will not refund money to you under conditions 3.4, 5.3 or 9.3 if you unduly delayed telling us about the problem and in any event told us more than 13 months after instructing us to send the money.

13.3. We are not liable to you for more than the amount of money you send and our fee. We will not 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). Under no circumstances will Atlantic Transfers, LLC be liable for damages, whether caused by the negligence of Atlantic Transfers, LLC's employees, contractors, agents or others, beyond the sum of ONE THOUSAND UNITED STATES DOLLARS (US$1,000.00), in addition to refunding the principal amount of the Remittance and any fees and costs you may have paid to Atlantic Transfers, LLC to send it, unless you have contacted Atlantic Transfers, LLC before you send your Remittance and have obtained our written agreement to a higher limit on liability. If we agree to a higher limit on liability, we may charge you for it. Under no circumstances will Atlantic Transfers, LLC be liable for any incidental, indirect, special, punitive, or consequential damages or the like.

13.4. Our Atlantic Transfers, LLC service is for persons 18 years and over and may not be used for escrow or trust or gambling purposes and may only be used for a lawful purpose. If you ask us to pay someone who turns out to have defrauded you, or who fails to meet their obligations to you, we will not be liable as a result.

13.5. A person who is not a party to this Agreement shall not have any rights under the Contracts or otherwise to enforce this Agreement.

13.6. Nothing in this Agreement limits our liability for acting fraudulently or very carelessly or otherwise excludes or limits our liability to the extent that we are unable to exclude or limit it by law.

14. General Information

14.1. We will report money transfers to any government authorities if we are required to do so by law.

14.2. If a transfer was not made properly or never arrived, we will investigate and do what we can to find the destination of the money (and call or write to tell you of the outcome) if you ask us to. Where there was a mistake in the Recipient's details you gave us, we will make a reasonable effort to recover the money.

14.3. The transfer and use of our Atlantic Transfers, LLC online service does not involve you or the Recipient having a "deposit" or a banking account with Atlantic Transfers, LLC.

14.4. U.S. and state laws apply to this Agreement (and to our dealings with you with a view to entering into this Agreement) and the U.S. courts shall have non-exclusive jurisdiction for any disputes. 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.

14.5. Arbitration. 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: a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

15. Termination of Profile

15.1. We may, without notice (except as required by law) and without liability to you, terminate or suspend your access to the Atlantic Transfers, LLC online services at any time, including without limitation, if: (a) you attempt to transfer or charge funds from an account that does not belong to you or from an account which does not have sufficient available funds or has expired, or if you are paying by credit card, there is an insufficient available line of credit; (b) your financial institution attempts to charge back a transfer on the basis of a dispute related to a transfer; (c) you provide incorrect or false information about yourself, your debit or credit card details or about a Recipient; (d) you attempt to tamper, hack, modify or otherwise corrupt the security or functionality of the Atlantic Transfers, LLC Online Service; (e) we receive conflicting claims regarding ownership of, or the right to withdraw funds from a debit or credit card account; (f) you have breached a term or condition of this Agreement, or any representation or warranty that you make under this Agreement is false; (g) we determine that your Profile is inactive; (h) we believe that the Transfer may expose us to action from any government or regulator. We may without liability to you, terminate or suspend your access to the Atlantic Transfers, LLC services at any time and for any reason by giving you 30 days' notice.

15.2. To close your Profile, contact Customer Service through the Website. If we close your Profile for any reason, we may, in our sole discretion, cancel your pending Transfer requests.

16. Data Protection and Privacy

16.1. We may process your and the Recipient's personal information and the details of your transfer on our systems in order to provide you and the Recipient with Atlantic Transfers, LLC and to prevent fraud. We may also obtain information about you from reputable reference sources as part of our identification verification processes and other servicing of your relationship with us (including the administration of your account, protection from fraudulent activity, market research, special promotions, and sending you information about our services) as permitted by applicable law. You hereby appoint us to provide your details and explicit consent to your mobile network operator and their authorized data sources so that they can provide further information about you to us, including (if available), your name, address, email and device data for these purposes. You also warrant that you have the Recipient's consent to share their personal information with us.

16.2. We may, for the above purposes, share the collected personal information with our affiliates, agents, or service providers, any of whom may be in a country other than your own. We will not share the information with anyone else except as permitted or required by law or regulation.

16.3. You may request access to your personal information, ask for the information to be corrected or updated, or withdraw your consent for marketing use at any time by e-mailing us at info@atltransfers.com or calling us at +1 770 568 1101. Please allow at least 4 weeks for processing of your request.

16.4. By completing the online form, you agree to our collection, use and transfer of your and the Recipient's personal information for the above purposes, including transfers from the United States and to the Receive Country. Our Privacy Policy statement describes how we collect, protect, use and disclose your personal information and is available at Atlantic Transfers, LLC. We have a legal obligation under Bank Secrecy Act and related anti-money laundering statutes including the Money Laundering Control Act of 1986, and the USA PATRIOT Act of 2001 to process personal data for the purposes of the prevention of money laundering and terrorist financing.

17. Contact Details and Customer Service Information

17.1. We are committed to ensuring that you receive high quality service from us. If you are dissatisfied with the services of Atlantic Transfers, LLC or believe an error has occurred with your transfer, please contact us as soon as possible. For full details of our complaint’s procedure or consumer protection advice, or to submit a complaint, you can:

17.1.1. call us at phone number +1 770 568 1101.

17.1.2. visit our website atltransfers.com and submit the online form;

17.1.3. write an email to info@atltransfers.com or

17.1.4. write to us at Atlantic Transfers, LLC, 1072 W. Peachtree St., #7366, Atlanta, GA 30357, U.S.A.

17.2. We will deal with your complaint promptly and fairly. We will try our best to resolve your complaint at the first opportunity. In case we feel we need more time to resolve your complaint, we will send you an acknowledgement within 5 working days and send you a final response letter within 8 weeks of receipt of your complaint. If you do not receive our final response after 8 weeks or are unhappy with our final response, you can:

17.2.1. Contact the Georgia Department of Banking and Finance Money Services Business, 2990 Brandywine Road, Suite 200 Atlanta GA 30341-5565 TEL: +1 770–986–1639 Website: http://www.dbf.georgia.gov. The Department suggests that you send a written complaint directly to us by certified mail. You should do so within 30 days from the date of our final response.

17.2.2. If you are unable to resolve the issue with us, you can also file a complaint with the Consumer Financial Protection Bureau (CFPB)

18. How we are Regulated

18.1. We are a money transmitter institution authorized and regulated by the Georgia Department of Banking and Finance in the United States.

19. Intellectual Property Rights

This web site is © 2021 Atlantic Transfers, LLC. All rights reserved.

The name Atlantic Transfers, LLC and other names, trademarks and service marks on this site are the property of Atlantic Transfers, LLC or other third parties and may not be used or copied without prior written permission from the Atlantic Transfers, LLC.

All communication, postings, and uploads to this site become the exclusive property of Atlantic Transfers, LLC. You may not reproduce, reverse engineer, disassemble, modify, or create derivative works from the site. You may not remove any copyright, trademark or other intellectual property or proprietary notice or legend contained on this site or its content.