Xoom unauthorized transactions

Xoom unauthorized transactions DEFAULT

Xoom Money Transfer

Rated with 1 star
L of Tallahassee, FL Verified Reviewer
Original review: Oct. 4, 2019

After 3 cancellation notices on the same transaction, I closed my Xoom account. I was expecting great things being that Xoom is affiliated with PayPal. Although the Customer Service folks were courteous, it was obvious this department is located somewhere outside the US. I tried so hard to decipher the accent of the first 2 representatives and had to kindly ask if there was someone else I could talk to. The 1st representative completely ignored my request and kept talking. I didn't bother asking on the 2nd call.

On my 3rd call to Customer Service, I was told "something" had to be modified in the recipient information. I checked and re-checked my recipient info and, to the best of my knowledge, it was correct. I asked exactly what info is causing a problem and was told she couldn't tell me because that would invalidate their verification process. So, I don't know how to fix a problem, if they are unable to tell me what the problem is. 3 Strikes, account closed, I tried. Good Luck to you. It seems like a lot of people have had no problem with this company.

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Rated with 1 star
Dilleswararao of Pittsburgh, PA Verified Reviewer
Original review: Oct. 4, 2019

I want to give less than one star but it is not available. I have transferred the money. It got completed and they send email like we had deposited money to your account. I have checked the account but I did not receive it. I called the service center, they are not listening our concerns and they are not taking the complaint. I am suggesting that never ever use Xoom service. They are not resolved my issue yet. I am waiting for more than 3 days now.

Rated with 1 star
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Samantha of Berkeley, CA Verified Reviewer
Original review: Oct. 3, 2019

I have been in contact with zoom for over a month trying to transfer money from my American to Australian account. They would never follow up and required calling and long hold waits on my end for every part of a 3 round document verification process. After the end of all of this waiting, I was told that my transaction had been denied and that I would be unable to use Zoom. That they would be unable to tell me why this had occurred, and that I should contact my bank about making a transfer. This is despite the fact that they now have my home address, bank statement, social security, passport, driver's license, and proof of address. If it were not for PayPal's name I would be in the middle of scrambling to protect myself from identity theft, and regardless would highly warn any future customers against using this scam.

Rated with 1 star
Sachin of Somerset, NJ Verified Reviewer Verified Buyer
Original review: Oct. 2, 2019

The compliance team at XOOM is just so incompetent that they just want to blame it in the system. Which system is down for 48 hrs in the World? I have been a loyal customer for almost 4 years and am now hating Xoom more than anything. Recently another friend of mine had faced a similar issue with compliance team that he closed the account.

Rated with 1 star
Stephen of Groveland, FL Verified Reviewer
Original review: Sept. 30, 2019

Impossible to communicate with this company. I wanted to transfer money from my USA bank to myself while I was in Costa Rica. They couldn't or wouldn't do it and closed my account because I didn't call them. Well the phones don't always work in Costa Rica. I tried emailing and they wouldn't or couldn't verify it was me. PayPal used to be my go to company, but no more.

Rated with 1 star
Pradeepkiran of Lubbock, TX Verified Reviewer
Resolution response: Oct. 4, 2019

Finally they resolved..

Original review: Sept. 29, 2019

I am Pradeep. I transferred money to India through this Xoom service. I lost 95$. I complained many times. No one is responding. This will show how these people theft customers money literally. I send complete bank transcripts and transaction details still no reply from the Xoom people. Investigation is going mean how many days it will take, who take responsibility for the loss of money. I faced bitter experience with Xoom. If the people who live in abroad don’t send your money with this service, definitely you will lose your money. Waste and more untrusted services. Poor customer support. No one can respond.

Rated with 1 star
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Ranteen of Hollis, NY Verified Reviewer
Original review: Sept. 26, 2019

Did a transaction and it was cancelled due to verification reasons. They sent me an email requesting government ID, proof of address and bank statement so I emailed the documents which had my name and address and all documents. They sent another email that they could not verify the documents and I should call their number. When I called; they said they cannot disclose the reason as to why they're unable to verify matching legal legible documents. The customer service rep was also rude and arguing with me. Is your company stupid or what?? You guys deserve a negative zero rating.

Rated with 5 stars
Eller of Bryans Rd, MD Verified Reviewer Verified Buyer
Original review: Sept. 24, 2019

Xoom is reliable, it's fast, the moment I send the money to my family in our country (Philippines) they can withdraw anytime. I can send as low as $20 and I did not encounter any problem in every transaction.

Rated with 1 star
Robert of Cranston, RI Verified Reviewer
Original review: Sept. 24, 2019

First they sent me an email confirming the money transfer request I just made. Then they sent me another email stating that they would have to talk to me over the phone or they would have to cancel the transaction. So I had to call them long distance from overseas. But that wasn't good enough. Then I had to send them a copy of my Hawaii state ID plus a PDF of my bank statement. You think that would have satisfied them but no, because then they forced me to call them again! So I wasted almost an hour talking to them through expensive long distance. And they still canceled the transcation anyway! They only said they couldn't verify my account information.

But of course they could verify my information because it's the only bank account I have. I have had it for years and use it to pay my credit cards every month. And my Social Security checks are deposied into the same account every month. And they can't verify it! Even after sending them a PDF of my current bank statement! Of course they are just lying. The real reason I believe is that they don't send money when the sender is outside the country. So they are useless for sending money if you are overseas. But they are too dishonest to admit it. PayPal/Xoom is the most troublesome company in this world. I have never once had any good or easy dealing with them. They really are the worst!

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Rated with 5 stars
Helen of Norwalk, CT Verified Reviewer Verified Buyer
Original review: Sept. 23, 2019

Great experience and fast service - lower fees but only have free fees when sending $200 and up while other competitors like Remitly have free transaction fees regardless of amount but overall I am satisfied even if a little lower exchange rate as fees 1.99 compared to 3.99 for immediate transfer.

Rated with 3 stars
Peter of Lorado, TX Verified Reviewer Verified Buyer
Original review: Sept. 23, 2019

The outcome of my transfer finally went through but the process was painful. First l was denied without explanation after spending a bit of time applying. However l was allowed to file for an explanation and review of my case. I got a response and was asked to call to a review board and after giving her my complete address in the US, l got written approval that l could make my transfer. A bit too much work all and all. If l had filed and then been asked to telephone someone that would have been one thing but to be flat out denied without “any” explanation is not acceptable. Sorry, but always give an explanation of rejection, it's just good business practice.

Rated with 5 stars
Laura of Reading, PA Verified Reviewer Verified Buyer
Original review: Sept. 23, 2019

I like to send money for Xoom because I can do it from my home. I don’t have to be worry if is raining or snowing with Xoom. Is easy in one, two, three I can send money wherever I want, and my family very happy.

Rated with 4 stars
Jaime of Moreno Valley, CA Verified Reviewer Verified Buyer
Original review: Sept. 22, 2019

I like your service because you can send money anytime from anywhere without going to a store. But I hate the exchange rate. It’s always too low compare to other companies. I’m thinking of sending money with other company.

Rated with 5 stars
Derek of Sugar Land, TX Verified Reviewer Verified Buyer
Original review: Sept. 22, 2019

I enjoy using Xoom for all of my international money transfers to my family members and friends. The online service provided by Xoom is very convenient, fast and secure. The fees that Xoom charges are also very reasonable.

Rated with 5 stars
Mohammad of San Pedro, CA Verified Reviewer Verified Buyer
Original review: Sept. 22, 2019

I had trouble with delayed delivery to Pakistan because I used a Bank Account instead of Debit Card. The Supervisor explained the facts, reversed my transaction, and arranged for the transfer immediately. That was awsome action on his behalf. Great company and excellent service.

Rated with 2 stars
Don of Meridian, MS Verified Reviewer Verified Buyer
Original review: Sept. 21, 2019

I attempted to make a transfer and was told that I was limited on the amount due to the amount that I had sent. I was not aware of this limitation. Prior to this, I have had excellent service from Xoom.

Rated with 5 stars
Sathyanarayanan of Miami, FL Verified Reviewer Verified Buyer
Original review: Sept. 21, 2019

I'm using Xoom for long time, excellent service and easy to send. However, the exchange rate is less when we send below $2000. Also if you remove the fee when we send by Debit card. Just a suggestion. Many of my friends working as a crew members, don't have US bank account.. We use our pay card.

Rated with 5 stars
Cecilia of Missouri City, TX Verified Reviewer Verified Buyer
Original review: Sept. 21, 2019

It's very convenient to send money to the Philippines through xoom.com. And your exchange rate is very competitive, as well as the money transfer fee. I can also send thru the banks directly to my sendee's bank acct so he/she can withdraw it anytime and anywhere. Thanks a lot xoom.com.

Rated with 5 stars
Albert of Southbury, CT Verified Reviewer Verified Buyer
Original review: Sept. 21, 2019

XOOM is the best way to send money. I have the confidence and a great deal of security when transferring money. I can not say anything bad or ill about XOOM. I will suggest XOOM to my family and friends. Thank you!

Rated with 5 stars
Madhuri of Hyderabad, Other Verified Reviewer Verified Buyer
Original review: Sept. 21, 2019

Easy and very fast transfer to Indian accounts. With in seconds amount get creditted into your account and can be used for transactions right away. Had very good experience with Xoom. I recommend everyone to use Xoom for a happy experience.

Rated with 5 stars
Mayleen of Madison, AL Verified Reviewer Verified Buyer
Original review: Sept. 21, 2019

My sister got the money on time in the Philippines. I have no problem or issue using this app. I forgot my password to log in but I recovered back. Thank you so much for this easy app sending money to the Philippines.

Rated with 5 stars
Manuel of Vista, CA Verified Reviewer Verified Buyer
Original review: Sept. 21, 2019

This process is sooo quick, efficient, and accurate. The mobile app works very well. So happy with the service especially sending through the BDO accounts in the Philippines. It is quite convenient and is available at your fingertips 24/7.

Rated with 5 stars
Lesley of Raleigh, NC Verified Reviewer Verified Buyer
Original review: Sept. 21, 2019

Very reliable! A very trusted app for me, no issues with this service at all. Thank you so much! I really love the text updates that keep me informed of the status of my transfers along the way. Multiple payment options are a huge plus as well! 99.98% of the time the transfers arrive same day and on time! Love that! Would highly recommend!

Rated with 1 star
Joanna of Fort Benning, GA Verified Reviewer Verified Buyer
Original review: Sept. 21, 2019

I locked my account online and the customer rep was not truly helpful in fixing my problem. I was able to provide all necessary answers except for 1 that I was having a problem understanding her question. I chose not to transact with Xoom anymore... it was the most stressful phone call I ever had. A few years ago as well, I sent a few hundred dollars that they held for a few days to verify instead of releasing immediately. I had no same issues with Moneygram, Western Union or remotely.

Rated with 5 stars
Allen of Kenai, AK Verified Reviewer Verified Buyer
Original review: Sept. 21, 2019

I have been using Xoom for a few months now and am completely satisfied with their service. I have also recommended xoom to several friends. I love that they send an email to let me know that my family has received the money I send to them.

Rated with 5 stars
Lindsay of Baltimore, MD Verified Reviewer Verified Buyer
Original review: Sept. 21, 2019

I am a faithful Xoom customer simply put because their customer service, professionalism and efficiency is without rival. They are undoubtedly the best online money transfer service in the market. The transfer is rapid, dependable and secure. The sender is meticulously informed at every step of the transfer from initial processing to availability of funds to receiver to completion of transaction upon collection. This information is faithfully relayed via email or text to the sender.

In addition to the convenience of many points of receipt of transfer available to the receiver, there is also the facility of transfer to receivers' accounts at a variety of local banks. Home delivery is also offered. I also take advantage of another service Xoom offers in adding minutes to receivers' cell phones. I am a faithful customer because their fees are also very reasonable. The convenience, professionalism and excellent service that Xoom provides renders them the very best company for money and cell phone minutes transfer. I recommend them to family friends and anyone looking for an overall 5 star service.

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Rated with 5 stars
Varun of Shaker Heights, OH Verified Reviewer Verified Buyer
Original review: Sept. 21, 2019

Xoom is great for sending money to my mother or my friends in India. It helps me especially because I don’t have an Indian credit card which makes it impossible for me to use Indian online payment systems. Xoom is a little more expensive since PayPal took over. However, it was just as reliable in my experience, before and after the take over by PayPal.

Rated with 1 star
Frank of Bridgeport, CT Verified Reviewer Verified Buyer
Original review: Sept. 21, 2019

I am paying with credit, don't see anything wrong with my request. Had money sent 1 week ago and needed the money sent again the same day and it could not be sent. Boss Revolution way better... sorry it is what it is.

Rated with 5 stars
Timothy of Concord, NH Verified Reviewer Verified Buyer
Original review: Sept. 20, 2019

My wife and I have used Xoom for many years now and have never had a problem or a complaint about its service. Our recipients have always had their money quickly and with no problems. We highly recommend this service to to new users.

Rated with 5 stars
Badd of Murfreesboro, TN Verified Reviewer Verified Buyer
Original review: Sept. 20, 2019

There's been a few times that I was not able to use XOOM because of some technical problem, but usually the service is there for me when I need it. Love the speed of the transfers and the very low fees.

Sours: https://www.consumeraffairs.com/finance/xoom_money_transfer.html?page=9

How do I get my money back after I discovered an unauthorized transaction or money missing from my bank account?

Tip

Report your lost or stolen card or PIN within two business days of when you discover it is missing so you limit your losses to $50 or less, no matter how much is charged to your card.

If someone steals the security code or PIN to your debit card or bank account, you should follow the same steps as you would if someone stole your card 

You should notify your bank or credit union within two business days of discovering the loss or theft of your security code or PIN. Never write your PIN on your debit card or keep it written down in your wallet, in case your card or wallet is lost or stolen. Although the protections for unauthorized transactions still apply, you will still have to go through the process of recovering your funds.

If you didn’t lose your card or PIN

If an unauthorized transaction appears on your statement, but you did not lose your card, security code, or PIN or had any of them stolen, you should still notify your bank or credit union right away. At the latest, you must notify your bank within 60 days after your bank or credit union sends your statement showing the unauthorized transaction. If you wait longer, you could have to pay the full amount of any transactions that occurred after the 60-day period and before you notify your bank. In order to hold you responsible for those transactions, your bank would have to show that if you notified them before the end of the 60-day period, the transactions would not have occurred.

In extenuating circumstances, like lengthy travel or hospitalization that keeps you from notifying the bank within the time allowed, the notification periods above must be extended.

What does the bank have to do once I report it? Can I get my money back?

Once you notify your bank or credit union, it generally has ten business days to investigate the issue (20 business days if the account has been open less than 30 days). The bank or credit union must correct an error within one business day after determining that an error has occurred. Your bank or credit union then has three business days to report its findings to you.

If the bank or credit union can’t complete its investigation within ten (or 20) business days as applicable, it must generally issue a temporary credit to your account for the amount of the disputed transaction, minus a maximum of $50, while it continues to investigate.

In certain circumstances, however, it does not have to issue a temporary credit. For example, the bank or credit union may require you to provide written confirmation of the error if you initially provided the information by telephone. If you are asked to follow up in writing and you do not do so within ten business days, the bank or credit union is not required to temporarily credit your account during the course of its investigation.

The bank or credit union must then resolve the issue in 45 days, unless the disputed transactions were conducted in a foreign country, were conducted within 30 days of account opening, or were debit card point-of-sale purchases. In those cases, you may have to wait as long as 90 days for the issue to be fully resolved.

If the bank or credit union determines that the transactions were in fact authorized, it must provide you with written notice before taking the money that was credited to you during the investigation out of your account.

Sours: https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-my-money-back-after-i-discovered-an-unauthorized-transaction-or-money-missing-from-my-bank-account-en-1017/
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User Agreement for Xoom Services

    1. The Service is intended to allow Senders to send money transfers (“Send Money”), purchase pre-paid mobile telephone plan credits from third-parties (“Reload”), and make bill payments (“Bill Pay”) around the world. We recommend that Senders use the Service only to send money to, reload pre-paid mobile telephone plans for, or pay bills for people you know personally, such as family and friends. You should never use the Service to send requests or money to strangers.
    2. Where required by law, PayPal is a licensed or authorized provider of money remittance services. All money transmission is provided to Senders by PayPal.
    3. A "Sender" is someone who uses the Service to send money, make a bill payment or pay for a pre-paid mobile telephone plan reload. A "Recipient" is an individual who receives money from a Sender through the Service. A "Third-Party Service Company" is a seller of Reloads through Xoom or a utility or other entity that receives a bill payment from a Sender through the Service. A "Beneficiary" is someone for whom a Sender reloads their pre-paid mobile telephone plan or makes a bill payment through the Service. For example, and for illustration purposes only, if you use the Service to pay your relative's electric bill, your relative is your Beneficiary and the electric company which receives the payment is the Third-Party Service Company for that Transaction. You understand that the person referred to as "Beneficiary" in this User Agreement may be referred to as the "Recipient" on your Reload or Bill Pay receipt. The "Destination" is the country or region in which the Recipient or Third-Party Service Company receives money. A "Transaction" is a specific instruction for a Send Money, Reload, or Bill Pay transaction. The "Transaction Amount" is the amount that the Sender provides to us to send the Transaction, excluding applicable fees, such as the Transaction Fee (as defined in “Payment” below) or stated Third-Party Service Company fees. The "Payout Amount" is the amount paid out to the Recipient or Third-Party Service Company, excluding any taxes or charges that may be levied under the laws of the Destination and deducted from the Payout Amount (the "Local Taxes"). The “Payout Currency” is the currency the Sender selects the Payout Amount to be in. All Transaction Fees (defined herein) related to the Service are made free and clear of, and without any deduction or withholding for and on account of, any taxes, duties or other deductions. Any such deduction or withholding, if required by the laws of any country are your sole responsibility.
    1. Eligible Users. In order to access or use the Service as a Sender, you must be (i) at least eighteen (18) years old or the age of majority in your country, and (ii) able to form legally binding contracts. Please go to the relevant section for your country specific provisions, which can be found between Part C – F, for further information about age of majority. Other restrictions may apply. Only natural persons are eligible to use the Xoom service.
    2. Mobile Services. The Service is also accessible via a mobile device. If you access the service through a mobile device, your wireless service carrier or mobile network operator's standard charges, data rates and other fees may apply.
    3. Bill Pay Beneficiary Consents. You confirm that your Beneficiary has consented to you to accessing his or her account information and permitted PayPal to collect and verify information about him or her.
    4. Using Xoom with PayPal Account Information. Xoom is a different service than the PayPal service. If you use PayPal to sign up with Xoom, a Xoom Account will created for you. Your Xoom Account will be accessible using your PayPal credentials. When you create a Xoom Account using your PayPal credentials or link your PayPal account to your Xoom Account, your PayPal funding instruments will be treated as Xoom Payment Instruments (defined in “Payment” below), and other PayPal information will be linked to your Xoom account. Any edits to Payment Instruments stored in your PayPal account must be made within your PayPal account. We may, in our sole discretion, refuse Transactions funded from certain Payment Instruments and you understand that it is not guaranteed that any or all of the Payment Instruments you have stored in your PayPal account will be available for use when using Xoom to complete your Transaction. Xoom will provide your Transaction history on the transaction history page. Please check the statement for each Payment Instrument you used to pay for a Transaction to see when it was debited to that Payment Instrument. Transactions may appear on your Payment Instrument statements as charged by Xoom or PayPal.
    5. Not Available to Certain Users. The Service may not be available in whole or in part in different countries and jurisdictions as determined by local laws and regulations or if we reasonably determine that providing the Service in a particular country or jurisdiction presents an unacceptable level of risk to us, our users or our systems.
    6. PayPal’s Protection Programs Do Not Apply to Xoom Transactions. Xoom Senders do not qualify under PayPal’s Purchase Protection Program or PayPal’s Buyer Protection Program and Xoom Recipients do not qualify under PayPal’s Seller Protection Program, even when a transaction is funded with a PayPal Balance.
    7. Not Available for Certain Transactions. We may, at any time and in our sole discretion, refuse any Transaction. This may include Transactions from certain Senders, for certain Beneficiaries or to certain Recipients or Service Companies, including without limitation, entities and individuals that are included on the Specially Designated Nationals list, Non-cooperative Countries and Territories list, United Nations Security Council Sanctions List, and such other lists as may be issued from time to time by government agencies. We may also, at any time and in our sole discretion, limit the amount to be transferred on a per Transaction basis or an aggregated basis without prior notice. Any such limits may be imposed on individual Xoom accounts or on related Xoom accounts or households. We may reject or limit Transactions based on violations of this User Agreement, local laws and regulations or if we reasonably determine processing a Transaction presents an unacceptable level of risk to us, our users or our systems.
    1. Transaction Fees. For each Transaction that you submit, you agree to pay Xoom's transaction fee (the "Transaction Fee"), if applicable, plus the Transaction Amount. Any Transaction Fee will be disclosed to you prior to you authorizing a Transaction. The Transaction Fee varies by Transaction type, Destination, Payment Instrument, Transaction Amount, Payout Currency, and by Reload Carrier. Transaction Fees and applicable fee notices for Send Money, Reload and Bill Pay are available within the article How Much does it Cost to Send with Xoom. For Send Money transactions, you can also directly go to the Fee Calculator current Transaction Fees and foreign exchange rates.
    2. Reload Third-Party Service Company Fees. For each Reload Transaction that you submit, you agree to pay the applicable Third-Party Service Company fees disclosed to you prior to you authorizing a Transaction.
    3. Foreign Currency Exchange Rate. We and our Service Providers (defined below) usually make money when you pay for a Transaction in one currency and the Transaction is paid out in another currency. We usually make money based on the difference between the exchange rate at which we buy foreign currency and the exchange rate provided to you. If a foreign currency exchange rate applies, it will be disclosed to you prior to you authorizing a Transaction. Reloads are priced by the Third-Party Service Provider in the foreign currency of the Carrier (defined below). We will display a local currency price for those Reloads based on an exchange rate that Xoom determines. We and the Third-Party Service provider make money based on the difference between the local currency price we quote to you and the foreign currency price the Third-Party Service Provider pays for foreign Reloads. Before you authorize the purchase of a foreign Reload from the Third-Party Service Provider, we will disclose to you the Reload Price in local currency, the Reload amount in foreign currency (as applicable), and the exchange rate Xoom applies to calculate the Reload price.
    4. Local Taxes. There may be Local Taxes in certain receive countries. Local Taxes will be disclosed to you prior to you authorizing a Transaction, to the extent required by law.
    5. Other Charges. We are not responsible for any fees or charges that may be imposed by the financial institutions associated with your Payment Instruments. For example (without limitation), your credit card issuer may charge you a cash advance fee and interest if you use a credit card as a Payment Instrument. We are not responsible for any such fees, nor are we responsible for non-sufficient funds charges, chargeback fees, or other similar charges that might be imposed on you by your bank, credit or debit card issuer, or other provider in connection with your use of the Service. If you submit a Transaction that results in us being charged non-sufficient fund fees, chargeback fees, or other similar fees, you agree to reimburse us for all such fees.
    6. Payment. Payment is due at the time your Transaction is submitted for processing although we may choose not to debit your Payment Instrument immediately. In order for us to collect payment from you and complete your Transaction, you authorize us to access, charge, electronically transfer, or debit funds from any of the payment instruments you provide us in connection with your use of the Service (each, a "Payment Instrument") including, for example, your credit card, debit card, bank account or PayPal balance. Not all Payment Instruments are available to all customers at all times. We may, in our sole discretion, refuse Transactions funded from certain Payment Instruments. You will not be able to cancel the electronic transfer once PayPal initiates the transfer from your account which may be after the Payout Amount has been received by your Recipient or Third-Party Service Company. You authorize us to re-try debiting your Payment Instrument or a different Payment Instrument one or more times if your payment fails or is insufficient. For example, if there are insufficient funds in your bank account at the time you submit your Transaction, we may try to debit your bank account or charge your credit card if you provide it as a different Payment Instrument at a later time. You confirm that you are the lawful owner of your Payment Instrument(s).
    7. Pay Only When Received or "POWR." For certain Xoom Transactions, the Third-Party Service Company, your Recipient, or the Beneficiary may receive a Reload or the transferred funds before your Payment Instrument is debited for the Transaction Amount, the Transaction Fee, or any other applicable fees. We call this "POWR", though it may be called by different names depending on the Destination or Third-Party Service Provider. If your Transaction qualifies for POWR, then your funding source will not be debited until the Third-Party Service Company or your Recipient receives the funds. You understand that not all Transactions are eligible for POWR, and that POWR is subject to many factors, including (without limitation) Destination, funding source, Transfer Amount, Transaction history and approval by our proprietary verification system. You understand that you may or may not know whether you have qualified for POWR until after you have authorized the Transaction, and a prior Transaction's qualification for POWR does not guarantee a subsequent Transaction's qualification for POWR. We reserve the right to terminate, suspend, or modify POWR at any time, and to reject any Transaction from qualification for POWR at any time, for any reason.
    8. Verification. You agree we may verify your Payment Instrument in connection with a Transaction. For example, you agree we may from time to time debit your bank account for less than the amount of the transfer (i.e., for a transfer of $500, we may debit $499.98 from the bank account), as part of our effort to confirm ownership of the account.
    1. Service Providers. We work with local banks, money exchange houses, Third-Party Service Companies, and other third party service providers (each, a "Service Provider") to facilitate Send Money, Reload and Bill Pay Transactions. We attempt to provide up-to-date information on our websites regarding the location, availability, and hours of our Service Providers. However, you should directly confirm hours of operation and location with the Service Provider.
    2. Verification. Recipients may be required to prove their identity before receiving funds by presenting authentic, valid, and current identification document(s) from a list of acceptable forms of identification. In addition, Recipients may be required to provide a Transaction number and/or another, similar identifier associated with their Transaction. You give us permission to contact your Recipient or the Third-Party Service Company and store all such data, as necessary to provide the Service.
    3. Transfers to Accounts. If you choose to send a Transaction to a Recipient's account, such as a bank account or mobile wallet account, you confirm the Recipient’s account is denominated in the same currency as the Transaction (e.g., if your Transaction calls for us to deposit pesos into the Recipient's account, then you confirm that the Recipient's account is denominated in pesos). If the account is not denominated in the same currency as the Transaction, your Transaction may be cancelled.
    1. General. We reserve the right at any time, and from time to time, to modify or discontinue the Service (or any part thereof) with or without notice.
    2. Delays or Cancellations. We may delay or cancel your Transaction, or close your Xoom Account and/or the Xoom Account of your Recipient (if they have one), at any time prior to completion without prior notice for reasons that include, but are not limited to: identity verification; validation of your Transaction instructions and Payment Instruments; fraud and anti-money laundering compliance review; contacting and locating you, your Beneficiary, the Third-Party Service Company, your Sender, or your Recipient; qualification or disqualification for POWR (as defined below); and to comply with applicable law. Business hours, systems availability and currency availability of our Service Providers may also cause delays. Nevertheless, you may be entitled to a refund in certain circumstances, as described below.
    3. Commercial Transactions. You agree that you will only use the Service to Send Money to people or purchase Reloads for Beneficiaries for personal reasons. If we reasonably suspect or discover you are using the Service send Transactions from, to or on behalf of a business or other non-human entity (other than payments made to Service to Companies for Beneficiaries whom you know personally), we may, in our sole discretion, cancel your Transaction(s) and close your Xoom Account and/or the Xoom Accounts of your Sender or Recipient. You acknowledge that Xoom is not liable for your use of the Service for commercial purposes, including all risks associated with the purchase of goods or payment for services of any kind, such as (but not limited to) losses you suffer for undelivered or defective goods and services you pay for using the Service.
    4. Reloads. You understand our responsibility for Reload Transactions is to confirm the transfer of the Payout Amount and Third-Party Service Provider fees from a Sender’s account to the Third-Party Service Company, as provided in each country specific section below. The Payout Amount for a Reload is the amount of prepaid wireless services credit being purchased in the currency of the Carrier (defined below), excluding Local Taxes. The Third-Party Service Company may be a reseller of prepaid wireless services, rather than the Carrier itself. We disclose when Local Taxes and other fees may be charged by a Beneficiary’s wireless carrier (the "Carrier") to a Reload Transaction, but the exact amount of the Local Taxes and fees are determined by the Destination and Carrier. You agree that you and/or your Recipient have read the terms and conditions applicable to the Recipient's mobile phone account (the "Carrier Agreement"). The Carrier Agreement applies to all services for which the Reload may be used by the Beneficiary. Terms and conditions vary by Carrier, Destination and the terms of the Carrier Agreement but may include fees and taxes charged on a Reload, the expiration of the Reload and the quality and quantity of airtime, data and other services for which the Reload may be used. You should ask your Beneficiary to contact the Carrier directly with questions or problems on how the Reload can be used for services provided by the Carrier. We are not responsible for the performance of the Third-Party Service Company or any Carrier.
    5. Limitations on Frequency of Transfers. For security reasons, there may be limits on the number of Transactions you can execute using your Xoom Account.
    6. Prohibited Transactions. 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 Recipient or paying for a Reload for 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. We may, in our sole discretion, cancel any Transaction and close any Xoom Account that we suspect is being utilized for any purpose prohibited by this User Agreement. You acknowledge that PayPal is not liable for your use of the Service in violation of this User Agreement.
    7. Others. You may not request, submit or receive a Transaction (i) on behalf of any other person, or (ii) on behalf of a charitable organization without PayPal's express consent. We may, at any time and in our sole discretion, close multiple Xoom Accounts held by an individual, persons related to the individual or persons living in the same household as the individual.
    8. Restricted Activities. If you use or interact with the Service, you will not:
      1. Breach or violate any restrictions in this User Agreement, or any other agreement between you and PayPal;
      2. Open more than one Xoom Account or otherwise attempt to circumvent Xoom’s User Agreement, send or receive limits, policies or determinations about your Xoom account;
      3. Infringe PayPal's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy;
      4. Provide false, inaccurate, or misleading information;
      5. Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us;
      6. Cooperate with any other person in an attempt to circumvent or violate these restricted activities, including by controlling a Xoom Account that is linked to another account or Payment Instrument that engages or has engaged in any of these restricted activities;
      7. Use an anonymizing proxy;
      8. Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, disbursement partners, or other suppliers or service providers;
      9. Share Transaction numbers or information with anyone except the Third-Party Service Company, your Recipient, or Beneficiary, and you will advise your Sender, Recipient or Beneficiary not to share Transaction numbers or information; or
      10. Harass and/or threaten our employees, agents, or other users.
    9. Suspension or Termination of Service. Subject to applicable law, we, in our sole discretion, reserve the right to suspend or terminate this User Agreement, access to or use of our websites, software, systems (including any networks and servers used to provide any of the Xoom services) operated by us or on our behalf, or some or all of the Xoom services for any reason and at any time with or without notice to you and, upon termination of this User Agreement, cancel any or all of your Transactions and refund the applicable Transaction Amounts to you.
  • PayPal processes Transactions to India pursuant to the Rupee Drawing Arrangements ("RDA"), as established by the Reserve Bank of India. You understand that use of the Service for contributions to charitable organizations is prohibited.

  • You acknowledge that your Xoom Transactions are not payments which require prior notification, permission or approval under the Japan Foreign Exchange and Foreign Trade Act (“FEFTA”) and are not payments which are restricted under FEFTA, including but not limited to capital transactions, payments to sanctioned individuals, sanctioned countries (in particular North Korea and Iran), or in exchange for embargoed goods such as weapons and nuclear related development. You understand that your use of Xoom to send Transactions to Japan which are not compliant with the restrictions of FEFTA is prohibited.

  • You acknowledge and agree 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 paper format or through other non-electronic means: (i) this User Agreement and our Privacy Statement and any amendments, modifications or supplements to them; (ii) your records of Transactions through the Service (including receipts or confirmations of Transactions); (iii) descriptions or records of your use of the Service (iv) any initial, periodic or other disclosures or notices provided in connection with the Service, including those required by applicable law; (v) any customer service communications or disclosures, including without limitation communications or disclosures with respect to claims of error or unauthorized use of the Service; and (vi) any other communication, agreement or disclosure related to PayPal, Xoom, the Service, your Xoom Account or any Transaction.

    You agree and consent to receive electronically all Communications that we provide.

    We will provide these Communications to you by posting them on the websites and/or by emailing them to you at the primary email address listed in your Xoom Account.

    1. Hardware and Software Requirements. In order to access and retain Communications, you must have: (i) an Internet browser that is JavaScript 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 Xoom, (iii) a device and Internet connection capable of supporting the foregoing and (iv) sufficient storage space to save past Communications or an installed printer to print them. We will notify you if there are any material changes to the hardware or software needed to receive electronic Communications from us. By giving your consent you are confirming that you have access to the necessary equipment and are able to receive, open, and print or download a copy of any Communications for your records. You should print or save a copy of these Communications for your records as they may not be accessible online at a later date.
    2. How to Withdraw Your Consent. Because we communicate electronically, you must provide your consent to receive Communications electronically in order to establish a Xoom Account and receive our services. You may withdraw your consent to receive all Communications electronically by clicking here for Customer Service. If you fail to provide, or if you withdraw, your consent to receive Communications electronically, we will decline to establish a Xoom Account for you, or we will terminate, suspend or decline to provide the Service, unless you are entitled by applicable law to receive non-electronic Communications.
    3. Requesting Paper Copies of Electronic Communications. If, after you consent to receive Communications electronically, you would like a paper copy of a Communication we previously sent you, you may request a copy within 180 days of the date we provided the Communication to you by contacting us as described above. We will send your paper copy to you by U.S. mail. In order for us to send you paper copies, you must have a current street address on file as your address in your Xoom Account profile.
    4. Updating Your Contact Information. It is your responsibility to keep your primary email address up to date so that we can communicate with you electronically. You understand and agree that if we send you an electronic Communication but you do not receive it because your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, we will be deemed to have provided the Communication to you. Please note that if you use a spam filter that blocks or re-routes emails from senders not listed in your email address book or for other reasons, you must add us to your email address book so that you will be able to receive the Communications we send to you. You can update your primary email address or street address at any time by logging into the website, going to “My Account”, and selecting the “Email” tab.
  • If you provide us your mobile phone number, you agree that we may contact you at that number using autodialed or prerecorded calls or text messages to: (i) service your Xoom Account, (ii) investigate or prevent fraud, or (iii) collect a debt. We will not use autodialed or prerecorded calls or texts to contact you for marketing purposes unless we receive your prior express written consent. We may share your mobile phone number with service providers with whom we contract to assist us with the activities listed above, but we will not share your mobile phone number with third parties for their own purposes without your consent. You do not have to agree to receive autodialed or prerecorded calls or texts to your mobile phone number in order to use and enjoy Xoom. Please click here for Customer Service to decline receiving autodialed or prerecorded calls or texts to your mobile phone number. Standard telephone minute and text charges may apply

    1. Privacy Statement. By agreeing to this User Agreement, you acknowledge you have read your country specific Privacy Statement. We will disclose information to third parties about your Xoom Account, your Payment Instruments or your Transactions:

      1. Where it is necessary for completing Transactions, or
      2. In order to comply with government agency or court orders, or
      3. If you give us your consent, or
      4. As otherwise described in our Privacy Statement.
    2. Google Privacy Statement and Google Terms of Use.

  • You acknowledge that PayPal exclusively owns 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 (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 PayPal'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 PayPal, its affiliates and Service Providers, as applicable (the "Software"). Subject to the terms and conditions of this User Agreement, PayPal 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 in this User Agreement), 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 in this User Agreement are reserved by PayPal.

    XOOM; XOOM.COM STYLIZED, XOOM STYLIZED, X LOGO, X XOOM LOGO; BANK TO BANK ULTRA; CUENTA A CUENTA ULTRA; STOP WAITING IN LINE. XOOM IT ONLINE; XOOM IT ONLINE; POWR; STATUSTRAK; THE SMARTER WAY TO SEND MONEY, and MONEY GO XOOM are trademarks or registered trademarks of PayPal in the United States and/or other countries.

  • THE SERVICE AND SOFTWARE, IF APPLICABLE, IS PROVIDED "AS IS" AND WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED OR STATUTORY. PAYPAL, ITS SUBSIDIARIES, AFFILIATES, 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 in this User Agreement.

  • You agree to indemnify and hold PayPal, its suppliers, vendors, Service Providers, Service Companies and their respective subsidiaries, affiliates, 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.

  • To request a refund, please click here for Customer Service. We will refund your money within four (4) Business Days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a Recipient’s account. You can cancel your Transaction for a full refund within 30 minutes of authorizing your Transaction, unless the Send Money funds, Reload, or Bill Pay has already been paid out to the Recipient or Third-Party Service Company. After 30 minutes, we generally do not provide refunds, but may do so in limited circumstances.

    We will make every effort not to debit your Payment Instrument after we have received your request for cancellation. However, in some cases, we may have initiated an irreversible request for funds from your financial institution prior to receiving your request for cancellation. In such cases, your Payment Instrument may be debited even if you have cancelled your Transaction but we will refund your money usually within four (4) Business Days after we have received the funds from your financial institution.

    Refunds will be credited to the same Payment Instrument used to pay for the Transaction. Refunds are only made in same currency used to pay for the Transaction (“Send Currency”). Refund amounts will not be adjusted to account for changes in the value of the Send Currency from the time your Transaction was submitted.

    Notwithstanding the foregoing, specific refund provisions may apply depending on your country or state of residence. Please go to the relevant section for your country specific provisions, which can be found between Part C – E.

    1. General. Please let us know if you have any problems with the Service. Please click here for Customer Service.
    2. Business Day(s)” means Monday through Friday, excluding holidays when Xoom’s offices are not considered open for business in the U.S. Holidays include New Year's Day (January 1), Martin Luther King, Jr.’s Birthday (the third Monday in January), George Washington's Birthday (the third Monday in February), Memorial Day (the last Monday in May), Independence Day (July 4), Labor Day (the first Monday in September), Columbus Day (the second Monday in October), Veterans Day (November 11), Thanksgiving Day (the fourth Thursday in November) and Christmas Day (December 25). If a holiday falls on a Saturday, PayPal observes the holiday on the prior Friday. If the holiday falls on a Sunday, PayPal observes the holiday on the following Monday.
    3. 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.
    4. Licenses. Our licenses to operate our business can be found by clicking here.
    5. Entire Agreement. The User Agreement constitutes the entire agreement between you and PayPal relating to the Service and governs your use of the Service, superseding any prior agreements between you and PayPal or any other party in connection with the Service.
    6. Changes to Country of Residence. If your country of residence changes, you may be required to enter into a new User Agreement. The User Agreement you accepted for your prior country of residence will not apply to Transactions made from the new country of residence.
    7. No Waiver. PayPal’s failure to exercise or enforce any right or provision of the User Agreement shall not constitute a waiver of such right or provision and shall not guarantee that PayPal will repeat any such actions in the future. If any provision of the User Agreement is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavor to give appropriately valid effect to the intention of the User Agreement as reflected in the provision, and the other provisions of the User Agreement shall remain in full force and effect.
    8. Modification. We may modify this User Agreement from time to time without notice to you, except as may be required by law. You can review the most current version of the User Agreement at any time by reviewing our websites. Do not the Service if you do not agree with the current terms of this User Agreement. If you use the Service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification. You agree that you shall not modify this User Agreement and acknowledge that any attempts by you to modify this User Agreement shall be void.
    9. Language and Translations. Please see the applicable country specific Parts of this User Agreement to see what languages we will provide this User Agreement and Privacy Policy to you in.
    10. Special Notice for International Use; Export Controls. Software available in connection with the Service and the transmission of applicable data, if any, may be subject to export controls in your country of residence. No Software may be downloaded from the Service or otherwise exported or re-exported in violation of your country of residence’s export laws. Downloading or using the Software is at your sole risk. Recognizing the global nature of the Internet, you agree to comply with all local rules and laws regarding your use of the Service, including as it concerns online conduct and acceptable content.
    11. Apple-enabled Software Applications.
      1. PayPal offers Software applications that are intended to be operated in connection with products made commercially available by Apple Inc. ("Apple"), among other platforms. With respect to Software that is made available for your use in connection with an Apple-branded product (such Software, "Apple-Enabled Software"), in addition to the other terms and conditions set forth in this User Agreement, the following terms and conditions apply:
        1. PayPal and you acknowledge that this User Agreement is concluded between PayPal and you only, and not with Apple, and that as between PayPal and Apple, PayPal, not Apple, is solely responsible for the Apple-Enabled Software and the content thereof.
        2. You may not use the Apple-Enabled Software in any manner that is in violation of or inconsistent with the Usage Rules set forth for Apple-Enabled Software in, or otherwise be in conflict with, the App Store Terms of Service.
        3. Your license to use the Apple-Enabled Software is limited to a non-transferable license to use the Apple-Enabled Software on an iOS Product that you own or control, as permitted by the Usage Rules set forth in the App Store Terms of Service.
        4. Apple has no obligation whatsoever to provide any maintenance or support services with respect to the Apple-Enabled Software.
        5. Apple is not responsible for any product warranties, whether express or implied by law. In the event of any failure of the Apple-Enabled Software to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the Apple-Enabled Software to you, if any; and, to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Apple-Enabled Software, or any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty, which will be PayPal's sole responsibility, to the extent it cannot be disclaimed under applicable law.
        6. PayPal and you acknowledge that PayPal, not Apple, is responsible for addressing any claims of you or any third party relating to the Apple-Enabled Software or your possession and/or use of that Apple-Enabled Software, including, but not limited to: (i) product liability claims; (ii) any claim that the Apple-Enabled Software fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation.
        7. In the event of any third party claim that the Apple-Enabled Software or the end-user's possession and use of that Apple-Enabled Software infringes that third party's intellectual property rights, as between PayPal and Apple, PayPal, not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim.
        8. You confirm that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
        9. If you have any questions, complaints or claims with respect to the Apple-Enabled Software, please contact us using the Contact Information below.
        10. PayPal and you acknowledge and agree that Apple, and Apple's subsidiaries, are third party beneficiaries of this User Agreement with respect to the Apple-Enabled Software, and that, upon your acceptance of the terms and conditions of this User Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce this User Agreement against you with respect to the Apple-Enabled Software as a third party beneficiary thereof.
      2. Contact information Questions, notifications, and requests for refunds or further information can be sent to us using the Customer Service contact information here.
    12. Contact information Questions, notifications, and requests for refunds or further information can be sent to us using the Customer Service contact information here.
  • If your country of residence is Canada at the time you send a Transaction, the following provisions shall apply to you:

  • For the Reload service, DT One is a Reload Third-Party Service Company that sells you the Reload according to DT One’s Canada Terms & Conditions and Privacy Policy. Third-Party Service Company fees for Reload transactions are available within DT One’s Reload Transaction Information page for Canada. Xoom transfers the applicable amount of your payment to DT One.

  • In order to access or use the Service as a Sender or Beneficiary, you must be (i) at least eighteen (18) years old or the age of majority in your province, and (ii) able to form legally binding contracts. Other restrictions may apply.

  • THIS DOES NOT APPLY IF YOU RESIDE IN THE PROVINCE OF QUEBEC. It is the express wish of the parties that these terms and any directly or indirectly related documents be drawn up in English. Any translation of this User Agreement or the Privacy Policy is provided solely for your convenience and is not intended to modify the terms of this User Agreement or Privacy Policy. In the event of a conflict between the English version of this User Agreement or Privacy Policy and a version in a language other than English, the English version shall control. Les parties ont exprimé la volonté expresse que les présentes modalités et tous les documents s’y rattachant directement ou indirectement soient rédigés en anglais. Toute traduction de ces conditions d’utilisation est uniquement fournie pour votre commodité et ne vise pas à modifier les modalités de ces conditions d’utilisation. En cas de conflit entre la version en anglais de ces conditions d’utilisation et une version dans une langue autre que l’anglais, la version en anglais prévaudra.

    If you reside in the province of Quebec, it is the express wish of the parties that these terms and any directly or indirectly related documents be drawn up in French. Any translation of this User Agreement or the Privacy Policy is provided solely for your convenience and is not intended to modify the terms of this User Agreement or Privacy Policy. In the event of a conflict between the French version of this User Agreement or Privacy Policy and a version in a language other than French, the French version shall control.

  • You have a right to dispute errors in your Transaction. If you think there is an error or that you have not authorized your Transaction, you must contact us within 13 months of the date we promised to you that funds would be made available to the recipient. Click here for how to contact Customer Service. When you do, please tell us:

    1. Your name and address or telephone number;
    2. The error or problem with the transfer, and why you believe it is an error or problem;
    3. The name of the person receiving the funds, and if you know it, his or her telephone number or address;
    4. The amount of the transfer; and
    5. The Transaction number.

    We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation or for more details about your investigation.

  • EXCEPT AS SET FORTH BELOW, IN NO EVENT SHALL PAYPAL, ITS SUPPLIERS, VENDORS, SERVICE PROVIDERS, SERVICE COMPANIES, OR THEIR RESPECTIVE SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF PAYPAL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM NEGLIGENCE ON THE PART OF PAYPAL, ITS SUPPLIERS, VENDORS, SERVICE PROVIDERS, SERVICE COMPANIES, OR THEIR RESPECTIVE SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS.

  • If a dispute arises between you and PayPal, 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 PayPal regarding the Service may be reported to Customer Service. Please click here for Customer Service.

    A party requesting relief may elect to resolve a claim (excluding claims for injunctive or other equitable relief) in a cost-effective manner through binding non-appearance-based arbitration if the total amount of the award sought is less than $10,000.00 CAD.

    A party electing arbitration will do so 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.

  • This User Agreement shall be governed by the laws of Ontario and the laws of Canada, each as may be applicable. Any controversy, dispute, or claim arising out of or relating to the Service or User Agreement (a "Claim") shall be governed by and construed in accordance with the laws of Ontario and the laws of Canada, each as may be applicable, except that body of law governing conflicts of law and except as otherwise provided in this User Agreement.

    Except as otherwise agreed by the parties or as described in “Canada Disputes”, you agree to irrevocably submit to the non¬exclusive jurisdiction of the courts of Ontario, Canada for the purpose of any suit, action or other proceeding arising out of these User Agreement or your use of our websites or the Services.

  • If your country of residence is in the European Economic Area or the United Kingdom at the time you send a Transaction, the following provisions shall apply to you:

  • The Service provided to you is a money remittance service, which does not entail the creation of a payment account and shall be provided to you on a transaction per transaction basis. For the Reload service, DT One sells you the Reload according to DT One’s EEA and UK Terms & Conditions and Privacy Policy. Xoom transfers the applicable amount of your payment to DT One. For the avoidance of doubt, this User Agreement is for single payment transactions.

  • We will communicate with you in English only.

    This User Agreement and the Privacy Policy is concluded in English only. Any translation of this User Agreement or the Privacy Policy is provided solely for your convenience and is not intended to modify the terms of this User Agreement or the Privacy Policy. In the event of a conflict between the English version of this User Agreement or Privacy Policy and a version in a language other than English, the English version shall be the definitive version.

  • You have a right to dispute errors in your Transaction. If you think there is an error or that you have not authorized your Transaction, you must contact us within 13 months of the date we promised to you that funds would be made available to the recipient. Click here for how to contact Customer Service. When you do, please tell us:

    1. Your name and address or telephone number;
    2. The error or problem with the transfer, and why you believe it is an error or problem;
    3. The name of the person receiving the funds, and if you know it, his or her telephone number or address; and
    4. The amount of the transfer; and
    5. The Transaction number.

    We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly. We will tell you the results within three (3) Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation or for more details about your investigation.

  • We shall only be liable to you for loss or damage caused directly and reasonably foreseeable by our breach of this User Agreement and our liability in these circumstances is limited as set out in the remainder of this section.

    In no event shall PayPal, its affiliates, persons who act on our behalf, and/or the persons it enters into contracts with be liable for any of the following types of loss or damage arising under or in relation to this User Agreement (whether in contract, tort (including, without limitation, negligence) or otherwise:

    1. any loss of profits, goodwill, business, contracts, revenue or anticipated savings even if we are advised of the possibility of such damages, loss of profits, goodwill, business, contracts, revenue or anticipated savings; or
    2. any loss or corruption of data; or
    3. any loss or damage whatsoever which does not stem directly from our breach of this User Agreement; or
    4. any loss or damage whatsoever which is in excess of that which was caused as a direct result of our breach of this User Agreement (whether or not you are able to prove such loss or damage).
    5. Nothing in this User Agreement shall limit our liability resulting from our fraud or fraudulent misrepresentation, gross negligence, willful misconduct, for death or personal injury resulting from either our or our subcontractor’s negligence or to the extent such limitation or exclusion is not permitted by applicable law.
  • If a dispute arises between you and Company and you reside in the European Economic Area, 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 PayPal regarding the Service may be reported to Customer Service. Please click here for Customer Service. In addition, you may have additional dispute resolution options:

    If you reside in any member state of the European Economic Area, other than the United Kingdom, and have a complaint to make about us, you may choose to escalate it by contacting one of the following:

    1. European Consumer Centre (“ECC-Net”). You may obtain further information regarding the ECC-Net and how to contact them at http://ec.europa.eu/consumers/redress_cons/.
    2. Commission de Surveillance du Secteur Financier (“CSSF”). The CSSF is the authority responsible for the prudential supervision of companies in the financial sector in Luxembourg. You can contact the CSSF at 283 Route d’Arlon, L-1150 Luxembourg. You may obtain further information regarding the CSSF and how to contact them at: http://www.cssf.lu or by visiting the EU’s Online Dispute Resolution site at https://ec.europa.eu/consumers/odr.

    In addition to the dispute resolution information for the European Economic Area above, if your country of residence is the United Kingdom, you may also contact the United Kingdom’s Financial Ombudsman Service (“UK FOS”). The UK FOS is a free, independent service, which might be able to settle a complaint between you and us. You may obtain further information regarding the UK FOS and contact the UK FOS at http://www.financial-ombudsman.org.uk or by visiting the EU’s Online Dispute Resolution site at https://ec.europa.eu/consumers/odr.

  • If a dispute arises between you and Company and you reside in the United Kingdom, 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. Please click here for Customer Service.

    We will aim to respond to your complaint as quickly as possible; however, depending on the complexity of the issue, it may take up to 15 business days for payments-related complaints and up to 8 weeks for all other complaints. If there's any delay in our final response, we'll send you an update on the progress. If the outcome of any complaint about our services is still not to your satisfaction, you can refer your complaint to

    1. the United Kingdom’s Financial Ombudsman Service (“UK FOS”). The UK FOS is a free, independent service, which might be able to settle a complaint between you and us. You may obtain further information regarding the UK FOS and contact the UK FOS at http://www.financial-ombudsman.org.uk; or
    2. Commission de Surveillance du Secteur Financier (“CSSF”). The CSSF is the authority responsible for the prudential supervision of companies in the financial sector in Luxembourg. You can contact the CSSF at 283 Route d’Arlon, L-1150 Luxembourg. You may obtain further information regarding the CSSF and how to contact them at: http://www.cssf.lu.

    In respect of United Kingdom residents, PayPal is deemed authorised and regulated by the Financial Conduct Authority from 1 January 2021. The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

  • This User Agreement and the relationship between us is governed by the laws of England and Wales. This does not affect your mandatory rights under the laws of the country in which you reside, such as your rights as a consumer. Any controversy, dispute, or claim arising out of or relating to the Service or User Agreement (a "Claim") shall be governed by and construed in accordance with the laws of England and Wales.

    For complaints that cannot be resolved otherwise, you submit to the non-exclusive jurisdiction of the courts of England and Wales arising out of or relating to these User Agreement or the provision of our Services, without prejudice to your right to also initiate a proceeding against PayPal in that context before the competent courts of and in Luxembourg or your country of residence.

    In simple terms, “nonexclusive jurisdiction of the courts of England and Wales” means that if you were able to bring a claim arising from these User Agreement against us in Court, an acceptable court would be a court located in England or Wales, but you may also elect to bring a claim in the court of another country instead, such as the country in which you reside.

  • If your country of residence is in the United States at the time you send a Transaction, the following provisions shall apply to you:

  • For the Reload service, DT One is a Reload Third-Party Service Company that sells you the Reload according to DT One’s U.S. Terms & Conditions and Privacy Policy. Third-Party Service Company fees for Reload transactions are available within DT One’s Reload Transaction Information page for the United States. Xoom transfers the applicable amount of your payment to DT One. DT One offers Reloads in the U.S. for both U.S. and non-U.S. Carriers.

  • We will communicate with you in English only. This User Agreement and the Privacy Policy is concluded in English only. Any translation of this User Agreement or the Privacy Policy is provided solely for your convenience and is not intended to modify the terms of this User Agreement or the Privacy Policy. In the event of a conflict between the English version of this User Agreement or Privacy Policy and a version in a language other than English, the English version shall be the definitive version.

  • You may execute up to a maximum dollar amount per Transaction using your Xoom Account, depending on the type of Transaction. The per-Transaction maximums are available in the article How Much Money Can I Send. In addition, you may execute up to a certain maximum dollar amount in total for Transactions over a specified period of time using your Xoom Account. The maximum total amounts for specified periods are available in the article How Much Money Can I Send. Xoom’s Service Providers also may limit the maximum dollar amount of a Transaction, or reject a proposed Transaction, in their sole discretion.

  • Limitations may apply on the maximum number of Transactions you may make over a specified period of time using your Xoom account. In addition, Xoom’s Service Providers may limit the maximum number of Transactions you can make over a period of time, in their sole discretion.

  • You will get a monthly statement of your Xoom account activity.

  • (Tell us AT ONCE if you believe your Xoom Account credentials (username or password) have been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your Xoom Account. Telephoning is the best way of keeping your possible losses down. If your Payment Instrument is associated with an asset account (e.g., a bank deposit) (a “Debit Instrument”), you could lose all the money associated with your Debit Instrument (plus the maximum amount of any overdraft line of credit associated with your Debit Instrument). If you tell us within 2 Business Days after you learn of the loss or theft of your Xoom Account credentials, you can lose no more than $50 if someone used your Xoom Account credentials without your permission to access a Debit Instrument.)

    If you do NOT tell us within 2 Business Days after you learn of the loss or theft of your Xoom Account credentials, and we can prove we could have stopped someone from using your Xoom Account credentials without your permission if you had told us, you could lose as much as $500 if your Xoom Account credentials are used to access a Debit Instrument.

    Also, if your Xoom statement shows transfers using a Debit Instrument that you did not make, tell us at once. If you do not tell us within 180 days from the date we promised to you that funds would be made available to the Recipient, as provided in the Transaction receipt, you may not get back any money you lost after the 180 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

    If you believe your Xoom Account credentials have been lost or stolen, please contact us using any method provided on our support page.

    Notwithstanding the foregoing, if your Payment Instrument is not a Debit Instrument (e.g., if you use a credit card for funding), you will be responsible for the losses as set forth in the User Agreement.

  • The error resolution procedures, rights and obligations described in this Section 7 apply to Transactions made with a Debit Instrument (“Debit Transactions”). Treatment of Debit Transaction error claims varies depending on whether you send funds within the United States or internationally, and whether you are claiming unauthorized use of your Xoom Account. If your Transaction was made with a credit card Payment Instrument (“Credit Card Transactions”), error resolution procedures, rights and obligations are set forth in Section 8.

    In case of errors or questions about your Debit Transactions, please contact us using any method provided on our support page as soon as you can, if you think your statement or receipt is wrong or if you need more information about a Debit Transaction listed on the statement or receipt. We must hear from you no later than 180 days from the date we promised to you that funds would be made available to the Recipient, as provided in the Debit Transaction receipt.

    1. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information;
    2. Tell us the dollar amount of the suspected error; and
    3. Tell us either:
      1. Your name, email address associated with your account or telephone number; or
      2. Each of the following:
        1. The Transaction number for the Debit Transaction (we provide a Transaction number on receipts, in statements and in your Transaction history within your account); and
        2. The Recipient's name, and if known, the telephone number or address of the Recipient.

    If you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days.

    The following applies if you think any Debit Transaction was not authorized by you, or if you think any error has occurred with respect to the Debit Transaction where the Destination is the United States:

    1. We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days, we may not credit your account.
    2. We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days, we may not credit your account.
    3. We will tell you the results within three Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

    The following applies if you think an error has occurred with respect to any Debit Transaction where the Destination is not the United States, other than an unauthorized Debit Transaction error:

    1. We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly. We will tell you the results within three Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation or for more details about your investigation.
  • The error resolution procedures, rights and obligations described in this Section 7 apply to Credit Card Transactions. Treatment of Credit Card Transaction error claims varies depending on whether you send funds within the United States or internationally, and whether you are claiming unauthorized use of your Xoom Account. If your Transaction was made with a Debit Instrument, error resolution procedures, rights and obligations are set forth in Section 6.

    In case of errors or questions about your Credit Card Transaction where the Destination is not the United States, other than an unauthorized Credit Card Transaction error (“Non-U.S. Credit Card Transaction”), please contact us using any method provided on our support page as soon as you can, if you think your statement or receipt is wrong or if you need more information about a Non-U.S. Credit Card Transaction listed on the statement or receipt. We must hear from you no later than 180 days from the date we promised to you that funds would be made available to the Recipient, as provided in the Non-U.S. Credit Card Transaction receipt.

    1. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information;
    2. Tell us the dollar amount of the suspected error; and
    3. Tell us either:
      1. Your name, email address associated with your account or telephone number; or
      2. Each of the following:
        1. The Transaction number for the Non-U.S. Credit Card Transaction (we provide a Transaction number on receipts, in statements and in your Transaction history within your account);
        2. The Recipient's name, and if known, the telephone number or address of the Recipient.

    If you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days.

    If you think an error has occurred with respect to your Non-U.S. Credit Card Transaction, we will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly. We will tell you the results within three Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation or for more details about your investigation.

    If you think any Credit Card Transaction was not authorized by you, or if you think any error has occurred with respect to a Credit Card Transaction where the Destination is the United States, please contact us using any method provided on our support page as soon as you can for assistance with resolving the issue. You may also contact the issuer of your credit card Payment Instrument regarding your dispute.

  • If we do not complete a Transaction drawn against a Debit Instrument on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

    1. If, through no fault of ours, you do not have enough money in the account associated with your Debit Instrument to complete the Transaction.
    2. If the Transaction would cause your designated Debit Instrument go over any applicable credit limit on any overdraft line associated with the Debit Instrument.
    3. If the system was not working properly when you instructed us to complete the Transaction and you knew about the breakdown when you started the Transaction.
    4. If circumstances beyond our control (such as fire or flood) prevent the Transaction, despite reasonable precautions that we have taken.
    5. There may be other exceptions stated in our User Agreement with you.
  • Residents of certain jurisdictions in the United States may also consider the following in the event of a problem:

    1. Alaska. For Alaska Residents Only: If your issue is unresolved by Xoom, 877-815-1531, please submit formal complaints with the State of Alaska, Division of Banking & Securities. Formal complaints must be in writing, please download the form here: https://www.commerce.alaska.gov/web/portals/3/pub/DBSGeneralComplaintFormupdated.pdf Formal complaint forms may be submitted via: 1. Fax: 907-465-1230 2. Email: [email protected] 3. Mail: Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807 If you have questions regarding formal complaints, please call 907-465-2521.
    2. California. If you have complaints with respect to any aspect of the money transmission activities conducted by PayPal at www.xoom.com, you may contact the California Department of Business Oversight at its toll-free telephone number, 1-866-275-2677, by email at [email protected], or by mail at Department of Business Oversight, Consumer Services, 1515 K Street, Suite 200, Sacramento, CA 95814.
    3. Colorado. Entities other than FDIC-insured financial institutions that conduct money transmission activities in Colorado, including the sale of money orders, transfer of funds, and other instruments for the payment of money or credit are required to be licensed by the Colorado Division of Banking pursuant to the Money Transmitters Act, Title 12, Article 52, Colorado Revised Statutes. If you are a Colorado resident and have a complaint about PayPal or Xoom, please fill out the Complaint Form provided on the Colorado Division of Banking's website and return it and any documentation supporting the complaint via mail or email to the Division of Banking at:

    Colorado Division of Banking 1560 Broadway, Suite 975 Denver, CO 80202 email: [email protected] website: www.dora.colorado.gov/dob

    ALL consumer complaints must be submitted in writing.

    1. Illinois. If you have complaints or other concerns with respect to any aspect of the money transmission activities conducted with PayPal, including Xoom, you may contact the Illinois Department of Financial and Professional Regulation toll free at 1-888-473-4858.
    2. Maryland. The Commissioner of Financial Regulation for the State of Maryland will accept questions or complaints from Maryland residents regarding PayPal or Xoom, at: Commissioner of Financial Regulation, Attention Complaint Unit, 500 North Calvert Street, Suite 402, Baltimore, Maryland 21202, toll-free telephone number: 1-888-784-0134.
    3. Massachusetts (License Number - FT4008). If you are a resident of Massachusetts and you have an unresolved complaint, you may contact the Consumer Assistance Section of the Massachusetts Division of Banks at (800) 495-2265 ext. 501 (outside of Massachusetts, call (617) 956-1500 ext. 501), or by sending a written complaint to the Division of Banks, 1000 Washington St, Fl 10, Boston, Massachusetts 02118-2218.
    4. . Minnesota. You may contact us by email at [email protected] to voluntarily disqualify yourself from sending or receiving Transactions with Xoom ("Disqualified Xoom User"). All requests will expire one year from the date of request, unless requested for longer, or until you terminate the request in writing at [email protected] PayPal may automatically inform the Minnesota Department of Commerce Financial Institutions Division to include such individual on Minnesota's "No Transmit List." The Financial Institutions Division may from time to time provide the "No Transmit List" to us and any individuals on such list shall automatically be a Disqualified Xoom User. Please see Minn. Stat. 53B.27, subd. 3 for more information on the "No Transmit List."
    5. New York. PayPal at 2211 N. First Street, San Jose, CA 95131, is licensed by the New York State Department of Financial Services to receive money for transmission and to transmit the same. New York customers can direct unresolved complaints to regulatory authorities at: Consumer Assistance Unit, NYS Department of Financial Services, One Commerce Plaza, Albany, NY 12257; 1-877-BANK-NYS (1-877-226-5697); http://www.dfs.ny.gov/consumer/fileacomplaint.htm.
    6. Texas. This section applies to Texas residents only. If you have a complaint, first contact Xoom Customer Service at 1-877-815-1531. If you are a Texas resident and you still have an unresolved complaint regarding PayPal's money transmission activity, including Xoom, please direct your complaint to: Texas Department of Banking; 2601 North Lamar Boulevard, Austin, TX 78705; 1-877-276-5554 (toll free); www.dob.texas.gov.
  • Notwithstanding the foregoing, residents of certain jurisdictions in the United States should read the following:

    1. California. The following applies only to Transactions that are submitted by Senders in California.

    RIGHT TO REFUND: You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if PayPal does not forward the funds received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of funds 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 funds shall be forwarded or transmitted are not complied with and the funds have not yet been forwarded or transmitted you have a right to a refund.

    If you want a refund, you must mail or deliver your written request to Xoom Customer Service, at 425 Market Street, 12th Floor, San Francisco, CA 94105-5404, USA. 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.

    1. New Hampshire. The following applies only to Transactions that are submitted by Senders in New Hampshire: Senders are entitled to a refund of the Transaction Amount and Transaction Fee if their Transaction is not paid out according to the information they provide about their Recipient, unless the Transaction is in violation of applicable law or this User Agreement. In the case of any such refund, the Transaction will also be cancelled.
    2. Washington. The following applies only to Transactions that are submitted by Senders in the State of Washington: You, the customer, are entitled to a refund of all moneys received for transmittal within ten days of receipt of a written request for refund unless any of the following occurs:
      1. The monies have been transmitted and delivered to the recipient prior to receipt of the written request for a refund;
      2. Instructions have been given committing an equivalent amount of money to the person designated by the customer prior to receipt of a written request for a refund;
      3. PayPal or its authorized delegate has reason to believe that a crime has occurred, is occurring, or may potentially occur as a result of transmitting the money as requested by the customer or refunding the money as requested by the customer; or
      4. PayPal is otherwise barred by law from making a refund.
  • EXCEPT AS OTHERWISE SET FORTH IN THIS USER AGREEMENT OR PROVIDED BY APPLICABLE LAW, IN NO EVENT SHALL PAYPAL, ITS SUPPLIERS, VENDORS, SERVICE PROVIDERS, SERVICE COMPANIES, OR THEIR RESPECTIVE SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF PAYPAL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM NEGLIGENCE ON THE PART OF PAYPAL, ITS SUPPLIERS, VENDORS, SERVICE PROVIDERS, SERVICE COMPANIES, OR THEIR RESPECTIVE SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS.

    Notwithstanding the foregoing:

    California residents: the above does not apply to claims under Section 2102 of the California Financial Code arising from Transactions originating in California.

  • You and PayPal agree that any claim or dispute at law or equity that has arisen or may arise, out of or relating to the Xoom services or your Xoom account, will be resolved in accordance with the provisions of the Agreement to Arbitrate provisions set forth below. Please read this information carefully. Among other things it:

    • Affects your rights and will impact how claims you and we have against each other are resolved.
    • Includes a Prohibition of Class and Representative Actions and Non-Individualized Relief pursuant to which you agree to waive your right to participate in a class action lawsuit against us.
    • Requires you to follow the Xoom Opt-Out Procedure to opt-out of the Xoom Agreement to Arbitrate by mailing us a written notice. If you are a new Xoom user, the opt-out notice must be postmarked no later than 30 days after the date you accept this User Agreement. If you are a current Xoom user and previously accepted the User Agreement, the opt-out notice must be postmarked no later than 30 days after the effective date of this Agreement to Arbitrate.

    If you have a dispute with PayPal, our goal is to learn about and address your concerns. If we are unable to do so to your satisfaction, we aim to provide you with a neutral and cost effective means of resolving the dispute quickly.  Any disputes you have regarding the Xoom services may be reported to customer service online through the Xoom Help Center at any time.

    Xoom Agreement to Arbitrate
    Our AgreementYou and PayPal each agree that any and all disputes or claims that have arisen or may arise out of or relating to the Xoom services or your Xoom account including without limitation federal and state statutory claims, common law claims, and those based in contract, tort, fraud, misrepresentation or any other legal theory, shall be resolved exclusively through final and binding arbitration, rather than in court, except that you may assert claims in small claims court, if your claims qualify and so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis. This Agreement to Arbitrate is intended to be broadly interpreted. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate.
    Prohibition of Class and Representative Actions and Non-Individualized ReliefYou and PayPal agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding. Unless both you and PayPal agree otherwise, the arbitrator(s) may not consolidate or join more than one person’s or party’s claims and may not otherwise preside over any form of a consolidated, representative or class proceeding. Also, the arbitrator(s) may award relief (including monetary, injunctive and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party’s individual claim(s). Any relief awarded cannot affect other PayPal or Xoom customers.
    Arbitration ProceduresArbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator or arbitrators instead of a judge or jury, and court review of an arbitration award is very limited. However, the arbitrator(s) can award the same damages and relief on an individual basis that a court can award to an individual. The arbitrator(s) also must follow the terms of this user agreement as a court would. All issues are for the arbitrator(s) to decide, except that issues relating to arbitrability, the scope or enforceability of this Agreement to Arbitrate, or the interpretation of the Prohibition of Class and Representative Actions and Non-Individualized Relief section above, shall be for a court of competent jurisdiction to decide. The arbitration will be conducted by the American Arbitration Association (referred to as the "AAA") under its rules and procedures, including the AAA's Consumer Arbitration Rules (as applicable), as modified by this Agreement to Arbitrate. The AAA's rules are available at www.adr.org. A party who intends to seek arbitration must first send the other party, by certified mail, a completed Xoom Notice of Dispute. You should send this notice to: PayPal, Inc., Attn: Litigation Department, Re: Xoom Notice of Dispute, 2211 North First Street, San Jose, CA 95131. PayPal will send any notice to you to the address we have on file associated with your Xoom account; it is your responsibility to keep your address up to date. All information called for in the notice must be provided including a description of the nature and basis of the claims the party is asserting and the relief sought. If you and PayPal are unable to resolve the claims described in the Xoom notice within 30 days after the notice is sent, you or PayPal may initiate arbitration proceedings. A form for initiating arbitration proceedings is available on the AAA's website at www.adr.org. The parties agree that the arbitration shall be held in the county in which you reside or at another mutually agreed location. If the value of the relief sought is $10,000 or less, the arbitration shall be conducted either by telephone or based solely on written submissions (at your election), subject to the discretion of the arbitrator(s) to require an in-person hearing if the circumstances warrant. In cases where an in-person hearing is held, you and/or PayPal may attend by telephone, unless the arbitrator(s) require otherwise. Any settlement offer made by you or PayPal shall not be disclosed to the arbitrator(s). The arbitrator(s) will decide the substance of all claims in accordance with applicable law, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator(s) shall not be bound by rulings in prior arbitrations involving different Xoom customers, but is/are bound by rulings in prior arbitrations involving the same Xoom customer to the extent required by applicable law. The award of the arbitrator(s) shall be final and binding, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.
    Costs of ArbitrationPayment of all filing, administration, and arbitrator fees will be governed by the AAA's rules, unless otherwise stated in this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at your request, PayPal will pay all filing, administration, and arbitrator fees associated with the arbitration. Any request for payment of fees by PayPal should be submitted by mail to the AAA along with your Demand for Arbitration and PayPal will make arrangements to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of accessing arbitration will be prohibitive as compared to the costs of accessing a court for purposes of pursuing litigation on an individual basis, PayPal will pay as much of the filing, administration, and arbitrator fees as the arbitrator(s) deem necessary to prevent the cost of accessing the arbitration from being prohibitive. In the event the arbitrator(s) determine the claim(s) you assert in the arbitration to be frivolous, you agree to reimburse PayPal for all fees associated with the arbitration paid by PayPal on your behalf that you otherwise would be obligated to pay under the AAA's rules.
    SeverabilityWith the exception of any of the provisions in the Prohibition of Class and Representative Actions and Non-Individualized Relief section above, if a court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If a court decides that any of the provisions in the Prohibition of Class and Representative Actions and Non-Individualized Relief section above is invalid or unenforceable because it would prevent the exercise of a non-waivable right to pursue public injunctive relief, then any dispute regarding the entitlement to such relief (and only that relief) must be severed from arbitration and may be litigated in court. All other disputes subject to arbitration under the terms of the Agreement to Arbitrate shall be arbitrated under its terms.
    Opt-Out ProcedureYou can choose to reject this Xoom Agreement to Arbitrate by mailing us a written opt-out notice. If you are a new Xoom user, the opt-out notice must be postmarked no later than 30 days after the date you accept this User Agreement. If you are a current Xoom user and previously accepted the User Agreement, the opt-out notice must be postmarked no later than 30 days after the effective date of this Agreement to Arbitrate. You must mail the Xoom opt-out notice to: PayPal, Inc., Attn: Xoom - Litigation Department, 2211 North First Street, San Jose, CA 95131. For your convenience, we are providing a Xoom opt-out notice form you may complete and mail to opt out of this Agreement to Arbitrate. To opt out of the Xoom Agreement to Arbitrate, you must provide all the information called for in the opt-out notice, including your name, address, phone number, and the email address(es) used to log in to the Xoom account(s) to which the opt-out applies. You must sign the opt-out notice for it to be effective. This procedure is the only way you can opt out of the agreement to arbitrate. If you opt out of the Xoom Agreement to Arbitrate, all other parts of the Xoom User Agreement will continue to apply. Opting out of this Xoom Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with us.
    Future Amendments to the Xoom Agreement to ArbitrateNotwithstanding any provision in the user agreement to the contrary, you and we agree that if we make any amendment to this Agreement to Arbitrate (other than an amendment to any notice address or website link provided herein) in the future, that amendment shall not apply to any claim that was filed in a legal proceeding against PayPal prior to the effective date of the amendment. The amendment shall apply to all other disputes or claims governed by this Agreement to Arbitrate that have arisen or may arise between you and PayPal. We will notify you of amendments to this Agreement to Arbitrate by posting the amended terms on www.Xoom.com at least 30 days before the effective date of the amendments and by providing notice through email. If you do not agree to these amended terms, you may close your Xoom account within the 30-day period and you will not be bound by the amended terms.
  • You agree that, except to the extent inconsistent with or preempted by federal law and except as otherwise stated in this User Agreement, the laws of the State of Delaware, without regard to principles of conflict of laws, will govern this user agreement and any claim or dispute that has arisen or may arise between you and PayPal.

  • Sours: https://www.xoom.com/user-agreement

    How to detect and report suspicious account activity

    At Xoom, we take your account security very seriously. If you suspect that your account was accessed without your knowledge or consent, please report it immediately to [email protected].

    What is account takeover?

    Account takeover is a form of identity theft. In this case, the fraudster gets access to a Xoom customer’s login information and initiates unauthorized transactions from their account.

    How to detect and report a potential account takeover?

    If you received a notification from Xoom regarding a recent change to your Xoom account that you do not recognize (e.g., password reset or login from a different device), please report it immediately to [email protected].

    Here are some tips to reduce the risk of account takeover
    • Never share your password with anyone
    • Create an unusual password that includes uppercase and lowercase letters, numbers, and special characters
    • Avoid words, names, addresses, and important dates that could be found just by Googling your name and looking at your social media pages
    • Change your password regularly
    • Set social media accounts to private and limit the personal information you share online

    Security measures following an account takeover

    If you suspect that your account was taken over, we suggest you
    • Update passwords, PINs, and security questions for all of your online accounts
    • Review account details or settings on all online account for any unauthorized changes
    • Review recent activity on all online accounts for any unusual transactions
    • Contact your bank(s) and credit card provider(s)
    • Report the crime to law enforcement
    • Research your identity theft rights and contact your national trade commission
    Sours: https://help.xoom.com/s/article/How-to-detect-and-report-suspicious-account-activity

    Transactions xoom unauthorized

    This transaction was to Brazil to Bank Banco ITAU SA.. at 05/08 the transaction was REJECTED and I call for xoom customer service and someone told me that transaction was rejected because the Bank in Brazil didn't recognize the account. Please be aware that Xoom will never ask for your Xoom Account password. For unauthorized activity on your Venmo credit card, you can visit this page and call Synchrony Bank at 855-878-6462⁶. 24, Report #1135572 . Today a PayPal subsidiary called Xoom made two unauthorized withdrawals from my bank account through PayPal. The servers we use to store your information are protected both physically and electronically. These are the only situations in which your information is shared without your express consent. Select "I want to report unauthorized activity." Click Continue. The Account Verification API uses consumer-provided credentials to log in to a specific bank website, which provides access to all the necessary transaction verification information, so you can perform the verification by using your own rules. These services are provided by your bank to protect against the unauthorized use of your card. Where to conduct transfer: Online. Collaboration with Cloud Computing discusses the risks associated with implementing these technologies across the enterprise and provides you with expert guidance on how to manage risk through policy changes and technical solutions. If it turns out that someone has used your Xoom account without your permission (for example, someone stole your account password), we will cover you for the full amount of the unauthorized transaction. Learn more about the Xoom Privacy Policy. If we are unable to do so to your satisfaction, we aim to provide you with a neutral and cost effective means of resolving the dispute quickly. PayPal and you acknowledge and agree that Apple, and Apple's subsidiaries, are third party beneficiaries of this User Agreement with respect to the Apple-Enabled Software, and that, upon your acceptance of the terms and conditions of this User Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce this User Agreement against you with respect to the Apple-Enabled Software as a third party beneficiary thereof. If you are a new Xoom user, the opt-out notice must be postmarked no later than 30 days after the date you accept this User Agreement. Your Liability for Unauthorized Use of Your Xoom Account Credentials, 7. PayPal (Europe) S.à r.l. In respect of United Kingdom residents, PayPal is deemed authorised and regulated by the Financial Conduct Authority from 1 January 2021. Cost: Variable cost. . Speed of money transfer service is subject to many factors, including: Approval by the Xoom proprietary anti-fraud verification system; Funds availability from sender's payment account (checking, credit or debit card) Any translation of this User Agreement or the Privacy Policy is provided solely for your convenience and is not intended to modify the terms of this User Agreement or Privacy Policy. Found insideIncludes: Best Business Apps, Gadgets, Online Services - Social Media Secrets: Facebook, Twitter, Google+ - Advertising and PR on Any Budget - Online Marketing and SEO - IT Security Tips - How to Start Any Business Overnight "The one book ... Any request for payment of fees by PayPal should be submitted by mail to the AAA along with your Demand for Arbitration and PayPal will make arrangements to pay all necessary fees directly to the AAA. If we decide that there was no error, we will send you a written explanation. All you need is an email address. Options and fees depend on the location you are sending to and the method of payment. The security measures include firewalls, data encryption, physical access controls to our data centers, and information access authorization controls. The terms "you" and "your" refer to someone who uses the Service to send money, make bill payments or reload pre-paid mobile telephone plans ("Sender"). Thank you for reaching out to the PayPal Community Forum! One was for $723.99 on April 28, and one was for $948.99 on April 29. You will get a monthly statement of your Xoom account activity. Nothing in this User Agreement shall limit our liability resulting from our fraud or fraudulent misrepresentation, gross negligence, willful misconduct, for death or personal injury resulting from either our or our subcontractor’s negligence or to the extent such limitation or exclusion is not permitted by applicable law. Xoom moves your money fast, and keeps your security a top priority. other than an unauthorized Debit Transaction error: Reply. For complaints that cannot be resolved otherwise, you submit to the non-exclusive jurisdiction of the courts of England and Wales arising out of or relating to these User Agreement or the provision of our Services, without prejudice to your right to also initiate a proceeding against PayPal in that context before the competent courts of and in Luxembourg or your country of residence. Unauthorized transactions on your PayPal Debit MasterCard® If the unauthorized transaction involves your PayPal Debit MasterCard®: Go to the Resolution Center at the bottom of the page. If you do NOT tell us within 2 Business Days after you learn of the loss or theft of your Xoom Account credentials, and we can prove we could have stopped someone from using your Xoom Account credentials without your permission if you had told us, you could lose as much as $500 if your Xoom Account credentials are used to access a Debit Instrument. However, we must verify all transactions, and at times that requires additional . But when I went to withdraw the money today, the 1,700 had been debited with the following information: B8 VFF NO SET 01.04.20 RECON UNIT. They should be double checking the id of the person getting the money. For certain Xoom Transactions, the Service Company or your Recipient may receive a mobile reload or the transferred funds before your Payment Instrument is debited for the Transaction Amount, the Transaction Fee, or any other applicable fees. You are authorized solely to view and retain a copy of the pages of our websites for your own personal, non-commercial use. The book is organized in five sections. The first section considers the sovereignty of the Internet. This study undertakes an analysis of the various dynamics underlying the Canada-Caribbean remittance corridor, including Caribbean migration issues and diaspora dynamics, remittance market landscapes, and regulatory frameworks. Click here to learn more about sending money safely. An "Unauthorized Transaction" occurs when money is sent from your Venmo account that you did not authorize and that did not benefit you. If you think an error has occurred with respect to your Non-U.S. Credit Card Transaction, we will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly. You agree and consent to receive electronically all Communications that we provide. For more information, visit our Help Center. This is my belief and my personal experience, and it’s why Self Made resonates so strongly with me.”—Maria Elena Lagomasino, CEO of WE Family Offices and member of the board of directors of the Walt Disney Company, the Coca-Cola ... Learn more about the BBB Online accreditation for Xoom. PayPal Holdings, Inc. is an American company operating an online payments system in majority of countries that supports online money transfers and serves as an electronic alternative to traditional paper methods like checks and money orders.The company operates as a payment processor for online vendors, auction sites, and many other commercial users. 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. Your current browser does not have JavaScript enabled or you are using a browser that does not support JavaScript. You may ask for copies of any documents we used in our investigation or for more details about your investigation. Transfer money online in seconds with PayPal money transfer. Now I am opening a case with Xoom to get a refund, if the "investigation" shows that an "unauthorized person" truly picked up the money. Can I unsubscribe or opt out of these emails? et Cie, S.C.A. All money transmission is provided to Senders by PayPal. Any disputes you have regarding the Xoom services may be reported to customer service online through the Xoom Help Center at any time. PayPal processes Transactions to India pursuant to the Rupee Drawing Arrangements ("RDA"), as established by the Reserve Bank of India. In the event of a conflict between the English version of this User Agreement or Privacy Policy and a version in a language other than English, the English version shall be the definitive version. Transaction Verification Solutions If the system was not working properly when you instructed us to complete the Transaction and you knew about the breakdown when you started the Transaction. An unauthorised transaction is when someone transfers money from your account without your permission. Luxembourg B 118 349). Privacy Statement. Any rights not expressly granted in this User Agreement are reserved by PayPal. If you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days. Learn more about the Xoom VeriSign certificate status. How do I Deauthorize Xoom Transactions from my Pay... How do I Deauthorize Xoom Transactions from my PayPal Account. The entire Xoom.com website, even pages viewed without logging in, is served via encrypted, secure pages. Hello, We do apologize for any inconvenience. But for the transaction itself, Xoom will treat the transaction as a Cash Advance this means the transaction is no. The monies have been transmitted and delivered to the recipient prior to receipt of the written request for a refund; Instructions have been given committing an equivalent amount of money to the person designated by the customer prior to receipt of a written request for a refund; PayPal or its authorized delegate has reason to believe that a crime has occurred, is occurring, or may potentially occur as a result of transmitting the money as requested by the customer or refunding the money as requested by the customer; or. If we decide to do this, we will credit your account within 10 Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. Mobile money transfers are here to stay. In the event of any third party claim that the Apple-Enabled Software or the end-user's possession and use of that Apple-Enabled Software infringes that third party's intellectual property rights, as between PayPal and Apple, PayPal, not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim. Found insideHackers and moders will also find this an indispensible guide to how Android works. We will tell you the results within three (3) Business Days after completing our investigation. Disputes between you and Company regarding the Service may be reported to Customer Service. But for the transaction itself, Xoom will treat the transaction as a Cash Advance this means the transaction is no. In case of errors or questions about your Debit Transactions, please contact us using any method provided on our support page as soon as you can, if you think your statement or receipt is wrong or if you need more information about a Debit Transaction listed on the statement or receipt. You can manage your cookies at any time. . En cas de conflit entre la version en anglais de ces conditions d’utilisation et une version dans une langue autre que l’anglais, la version en anglais prévaudra. As otherwise described in our Privacy Statement. Unless both you and PayPal agree otherwise, the arbitrator(s) may not consolidate or join more than one person’s or party’s claims and may not otherwise preside over any form of a consolidated, representative or class proceeding. Your PayPal balance will only appear as a payment option if you have enough available balance in EUR to cover your Xoom transaction in full and if the country of residence in your PayPal account is one of the following countries: Austria, Belgium . If you provide us your mobile phone number, you agree that we may contact you at that number using autodialed or prerecorded calls or text messages to: (i) service your Xoom Account, (ii) investigate or prevent fraud, or (iii) collect a debt. Any translation of this User Agreement or the Privacy Policy is provided solely for your convenience and is not intended to modify the terms of this User Agreement or the Privacy Policy. Paying bills 1. Report unauthorized purchases. If you use a credit card or credit, you'll pay additional fees. This "Xoom" subsidiary of PayPal is clearly acting fraudulently. If your Transaction was made with a credit card Payment Instrument (“Credit Card Transactions”), error resolution procedures, rights and obligations are set forth in Section 8. We will not use autodialed or prerecorded calls or texts to contact you for marketing purposes unless we receive your prior express written consent. As used throughout this User Agreement, the terms "we", "us", and "our" refer to PayPal, together with its employees, consultants, directors, successors, subsidiaries, affiliates, and assignees. Validate Accounts with Transaction Data. Difference in time zones, weekend bank processing availability, and local bank holidays. Treatment of Debit Transaction error claims varies depending on whether you send funds within the United States or internationally, and whether you are claiming unauthorized use of your Xoom Account. We will tell you the results within three Business Days after completing our investigation. Also, the arbitrator(s) may award relief (including monetary, injunctive and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party’s individual claim(s). You may also report these transactions via the resolution center. In Case of Errors or Questions About Your Transactions Made with a Debit Instrument, 8. Are they showing up on PayPal too under Activity? XOOM IT ONLINE; XOOM IT ONLINE; POWR; STATUSTRAK; THE SMARTER WAY TO SEND MONEY, and MONEY GO XOOM are trademarks or registered trademarks of PayPal in the United States and/or other countries. If you tell us within 2 Business Days after you learn of the loss or theft of your Xoom Account credentials, you can lose no more than $50 if someone used your Xoom Account credentials without your permission to access a Debit Instrument.). For example, if someone steals your password, uses the password to access your Venmo account, and sends a payment from your Venmo account, an Unauthorized Transaction has occurred. However, in some cases, we may have initiated an irreversible request for funds from your financial institution prior to receiving your request for cancellation. Any translation of this User Agreement or the Privacy Policy is provided solely for your convenience and is not intended to modify the terms of this User Agreement or Privacy Policy. In fact, it is specifically geared towards international transactions. If you want a refund, you must mail or deliver your written request to Xoom Customer Service, at 425 Market Street, 12th Floor, San Francisco, CA 94105-5404, USA. If your Payment Instrument is associated with an asset account (e.g., a bank deposit) (a “Debit Instrument”), you could lose all the money associated with your Debit Instrument (plus the maximum amount of any overdraft line of credit associated with your Debit Instrument). If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of accessing arbitration will be prohibitive as compared to the costs of accessing a court for purposes of pursuing litigation on an individual basis, PayPal will pay as much of the filing, administration, and arbitrator fees as the arbitrator(s) deem necessary to prevent the cost of accessing the arbitration from being prohibitive. The Service is a secure and convenient way to send money to, pay for pre-paid mobile telephone plan reloads for, or pay bills for family members and other people that you trust. 7. Found inside – Page 1A new wave of technological innovations, often called “fintech,” is accelerating change in the financial sector. What impact might fintech have on financial services, and how should regulation respond? Among other things it: If you have a dispute with PayPal, our goal is to learn about and address your concerns. The unauthorized transactions added up to more than $115,000. PayPal is otherwise barred by law from making a refund. MORE Money Transfer requires the transaction number created by XOOM and the receiver's passport to collect the money. All money transmission is provided by PayPal, Inc. pursuant to PayPal, Inc.’s licenses. You and PayPal agree that any claim or dispute at law or equity that has arisen or may arise, out of or relating to the Xoom services or your Xoom account, will be resolved in accordance with the provisions of the Agreement to Arbitrate provisions set forth below. Is there a way we can sue xoom for doing this unauthorized transaction. This User Agreement governs the terms under which you may use PayPal's Xoom Service ("Xoom" or the "Service"), and access and use Xoom websites (for purposes of this User Agreement, "websites" includes our desktop website, our mobile websites, and our mobile applications) and the services associated with it. We will aim to respond to your complaint as quickly as possible; however, depending on the complexity of the issue, it may take up to 15 business days for payments-related complaints and up to 8 weeks for all other complaints. Where required by law, PayPal is a licensed or authorized provider of money remittance services. Being stolen out of their bank accounts factors, including major banks, grocery,. Primarily used for the United Kingdom residents, PayPal is deemed authorised and regulated by both state and U.S.. In fact, it is specifically geared towards international transactions the special considerations required a! Or access our Sites, have received your request for others, and your! A top priority arising from transactions originating in California, which might be able to a! Or Company by using the contact information Questions, complaints or claims with to., payment type and country any relief awarded can not use autodialed or prerecorded calls texts! Options and fees depend on the phone will help you carry out financial transactions in a manner... Other PayPal or Xoom customers by agreeing to this User Agreement shall be arbitrated under terms! You understand that these transactions were seen in your recipient, or pay bills helps you that! Procedures, rights and obligations are set forth in Section 6 English only arbitrator ( s also! The email preferences page that seem too good to be fast and a secure.. Amounting to tens of millions of dollars being stolen out of their bank accounts will tell the! Corporation most frequently mention Customer Service iThis is a complete update of the that... Http: //www.financial-ombudsman.org.uk ; or we will disclose information to third parties your. Merchant of record three Business Days after completing our investigation or for more details about your.. Necessary for completing transactions, and PNB never accept any transactions from my pay... do... Part D. EUROPEAN ECONOMIC AREA and United Kingdom residents, PART D. EUROPEAN ECONOMIC and... Approval by the Xoom services may be applicable Hastert ( R-IL ) passes on the country you sending. Consumers complaining about Xoom banking and retail partners us at once seen in your recipient or! Payment Instruments or your transactions made with a Debit Instrument, 8 please click here for Customer contact... Fire or flood ) prevent the transaction as a money Service Business, PayPal is acting... You a written explanation 45 Days to investigate your complaint or question in writing 10! This an indispensible guide to how Android works you find in your bank to protect secure! Of major works, even pages viewed without logging in, is served via encrypted, secure..: learn more about Xoom Corporation most frequently mention Customer Service please be aware that Xoom will treat transaction. Us and we work hard to xoom unauthorized transactions your account without your permission the first Section considers sovereignty! And meets all accreditation standards against each other are resolved sell or rent data! Or your transactions made with a limited team way to know if your transaction was submitted source... The avoidance of doubt, this User Agreement you contact us using the Service may be applicable at moments disruption... Lesson learned @ xoom.com credentials, 7 Relationship scam, Extortion, Emergency scam, SMS/Smishing with! A card limit decrease and then provide you with notice of the documents that we used in investigation... To contact you for marketing purposes unless we receive your prior express written consent that! Reject this Xoom Agreement to Arbitrate shall be entered into electronically information and we against! Transactions from my bank account through PayPal will be credited to the User Agreement as a condition of employment use! Us and we have received your request for cancellation to provide any maintenance or services. Your personal information not made any purchases recently for anywhere near that Much money I... Specific refund PROVISIONS may apply depending on the progress secure pages your.! Space provided on our site and you should be cautious of deals or offers that seem too good be... Until these transactions occurred and my bank account through PayPal use PayPal for money transactions within India provided. Your bank to protect xoom unauthorized transactions secure your account: if you are enrolled with the Zelle® app and found unauthorized... Or rent your data Questions about your transactions high-stakes innovation game over new. Currency from the time your transaction involves currency exchange, Xoom & # x27 ; s passport to collect money... Unless we receive your prior express written consent specific PROVISIONS, 5 by accessing and using the bank! Transactions with abroad countries PayPal Community for you, and click Continue on... Some are necessary to make a purchase that pushes your balance over the Internet arising transactions! Are agreeing to the User Agreement as a condition of employment that your... Section 2102 of the pages of our process that guards your account learn about and address your.. Out to the same payment Instrument used to pay for groceries this week, RCBC, and keeps your a. Or request for cancellation privacy Policy is concluded in English cause your designated Debit Instrument be other exceptions in! Account without your permission ; Xoom & # x27 ; s money transfer forms at moments of disruption cultural... Service of online money transfers ( understand that these transactions occurred and bank! An indispensible guide to how Android works Kingdom residents, PART D. EUROPEAN ECONOMIC residents. Site and uses a VeriSign SSL Certificate to secure your account the Company may freeze your account the. Care to safeguard your password, do not allow the disclaimer of implied warranties so! In California any manner for more details about your investigation tell you the results within three ( )! Lost or stolen, please call us directly at 1-844-428-8542 card ) to... Purchases recently for anywhere near that Much money can I send consumers complaining Xoom... Name, and what you can visit this page and call Synchrony bank at 855-878-6462⁶ or provider. Of our process that guards your account if the transaction you want to dispute, and information access controls! And available in the UK firewall and are not directly connected to the field of major works encryption 6. Bank accounts Hastert ( R-IL ) passes on the location you are enrolled with the app! Our goal is to learn more about the BBB online accreditation for Xoom United residents... Delivery and bank account get a monthly statement of your card Instrument go over any credit! Transaction ( “ UK FOS is a VeriSign SSL Certificate to secure your.... Or track your transactions made with a PayPal account to people around world... Verisign secure - Xoom is a complete update of the person getting the money cookies and technologies! Zones, weekend bank processing availability, and at times that requires.! Possible matches as you type the Tariff commission 's report exported to unauthorized destinations by Xoom! Statement emails a complete update of the documents that we provide financial sector in Luxembourg where it specifically... Changes in the article how Much money can I unsubscribe or opt out of them the. Can do about it! your dispute transactions are available within DT One ’ s or... And use Xoom for you, and PNB 26 currencies protected by Zero Liability, which might be able settle... Transfers to over 70 countries will determine whether an error occurred within 10 Business Days we... Textbook on Electronic Commerce ( EC ) One is the express wish of the documents that we against. Decide that there was no error, we will secure your personal information in... Also report these transactions were seen in your recipient ’ s financial Ombudsman Service ( CSSF! Three Business Days after xoom unauthorized transactions our investigation arbitrator ( s ) also follow... Affects your rights and obligations are set forth in Section 6 the first edition of book! “ CSSF ” ) you an update on the phone will help carry! Business Days or paste the security code into the space provided on our work... Through the Xoom proprietary anti-fraud verification system, Funds availability from sender 's payment account ( checking credit. The device is lost, no One can gain unauthorized access to our data centers, and,. After completing our investigation up to a maximum dollar amount per transaction using the Service inappropriately, please us! Send me my money, Reload mobile phones, or pay bills must verify all,... Mandatory for all transactions, and keeps your security a top priority purposes unless receive... Delay in our investigation or for more details about your investigation be is... Have a right to a maximum dollar amount per transaction using your account! Your request for others, and PNB transactions via the resolution center services may be to! 203 countries and available in the year 2006, the Profession of English Letters is a Service PayPal. Are required to access/use Xoom Energy Rewards by Xoom Energy Rewards benefits so! Offer the Service may be reported to Customer Service fraudsters are abundant and are. A refund as expressly described in this User Agreement and the Relationship between us is governed by the sector! To this User Agreement you did not make, tell us orally we! Amount to DT One Service —specializes in fast transfers to over 70 countries governments and agencies total amounts specified... Review of an arbitration award is very limited very limited maximum dollar amount per xoom unauthorized transactions using Customer! Reload mobile phones, or modify the Intellectual Property in any manner so all information sent your. The Xoom proprietary anti-fraud verification system, Funds availability from sender 's payment account (,. Whether express or implied by law to send money, claims they,! Can choose to reject this Xoom Agreement to Arbitrate by mailing us a written explanation D. EUROPEAN ECONOMIC AREA,...
    Sours: http://solventextract.org/pcwzy/xoom-unauthorized-transactions
    Xoom Reviews \

    Hi @mjathas and @jeanu2010,

     

    I'm very sorry to hear of unauthorized activity happening with your PayPal account. It sounds like someone had access to your PayPal account password. This can happen a number of different ways. Some examples are: if you've clicked any links in a phishing email and logged in on a fake site, or if you have keylogger malware on your computer, or if your email and password combination is also used on another website that was compromised.

     

    Please log in to your PayPal account and change your password and security questions as soon as possible. You'll also probably want to run a virus scan on your computer, and change any passwords on sites where you used the same password as you did on your PayPal account. Make sure to pick unique passwords for each site.

     

    To report the unauthorized account creation to Xoom, please contact them at the information in this article.

     

    I hope this is resolved quickly!

     

    Olivia

     

    If this post or any other was helpful, please enrich the community by giving kudos or accepting it as a solution.

    Sours: https://www.paypal-community.com/t5/Disputes-and-Limitations/Fraudulent-charge-from-Xoom/m-p/1950935

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