peerTransfer™

peerTransfer Education, Corp

Terms of Use for Site and Services

The Site

A. This Site

peerTransfer Education Corp. and its affiliates (individually and collectively, “we”, “our”, “us”, or “PeerTransfer”) designed and maintain www.peertransfer.com (the “Site”) as a means of providing information regarding our company and various services that we make available. As used on the Site, the terms “you” and “your” means any person who views, accesses, uses, or obtains information from the Site or who obtains information by monitoring activity to and from the Site.

B. Acceptance of the Terms and Conditions

This Website Terms of Use Agreement (the “Agreement”) states the terms and conditions under which you may access and use the Site. This Site also contains various information in the form of reports, data, text and other materials about us, as well as third-party content that is licensed to us (collectively, the “Content”). By accessing and/or otherwise using this Site and its Content, you acknowledge that you have read, understood and agree to be legally bound by this Agreement.

Please read this Agreement carefully. We reserve the right to amend this Agreement at any time and from time to time by posting a revised Agreement on the Site. This Agreement was last revised on the date provided below. If you use the Site after an amended Agreement has been posted, you will be deemed to have agreed to such amended Agreement. You may want to periodically visit this page to view the most recent Agreement.

C. Permitted Use of the Site; Restrictions

You will access and use the Site solely for your personal purposes. You will not post, publish, reproduce, transmit, distribute or otherwise view, use or exploit the Site or any Content in a manner that: (1) is inconsistent with this Agreement; (2) violates any federal, state or local law, rule, regulation or order, or (3) could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site. You acknowledge and agree that the Site and the Content includes subject matter that is owned by us or other third parties and is protected under copyright, trademark and other intellectual property laws. Unauthorized use of the Site or the Content may violate such intellectual property laws or other laws relating to privacy and publicity. The violation of such laws may give rise to civil and/or criminal penalties.

You agree that you will not interrupt or attempt to interrupt the operation of this Site in any way. You will not impersonate any person or entity, or misrepresent your affiliation with a person or entity, or misrepresent the origin of any information that you provide to us. You agree that your use of the Site will at all times be for a lawful purpose and you agree to comply with all applicable laws and regulations in your use of the Site. Possible evidence of use of this Site for illegal purposes may be provided to law enforcement authorities.

You will not transmit, distribute, introduce or otherwise make available in any manner through the Site any computer virus, key-loggers, spyware, worms, Trojan horses, timebombs or other malicious or harmful programming (collectively, “Viruses”). We do not have an obligation to detect the presence of such Viruses. If you download software or any other Content from the Site, you do so at your own risk.

D. Intellectual Property Rights

You acknowledge that this Site and various elements contained therein are protected by copyrights, trademarks, trade secrets, patents, or other proprietary rights, and that these worldwide rights are valid and protected in all forms, media, and technologies existing now and hereinafter developed. You also acknowledge that the Content is and shall remain our property or the property of our licensors. You agree to comply with all intellectual property laws and you shall not encumber any interest in, or assert any rights to, the Content. You may not modify, transmit, participate in the sale or transfer of, or create derivative works based on any Content, in whole or in part. However, you may print a reasonable number of copies of the Content for your personal use provided that you maintain any notices contained in the Content, such as all copyright notices, trademark legends, or other proprietary rights notices.

E. Copyrights/Trademarks

The trademarks, logos and service marks appearing on this Site, including, but not limited to, the trademarks: “peerTransfer” are trademarks and service marks of peerTransfer. Other company, product, and service names and logos used and displayed on this Site may be trademarks or service marks of their respective owners who may or may not endorse or be affiliated with or connected to us. Nothing on this Site should be construed as granting, by implication or otherwise, any license or right to use any of trademarks and service marks displayed on this Site, without our prior written permission in each instance.

The Content of this Site is protected by copyright law. All such Content is also copyrighted as a collective work under the copyright laws, and we own a copyright in the selection, coordination, arrangement, and enhancement of such Content.

F. Copyright Complaints

If you believe this Site contains Content that infringes your copyright, please provide the information listed below to our designated agent (listed below) for claims of copyright infringement:

• An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest that is allegedly infringed;
• A description of the information that you claim to be infringing and a description of where the material that you claim is infringing is located on the Site;
• A description of the copyrighted work that you claim has been infringed;
• Your full contact information, including address, telephone number and email address;
• A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law; and
• A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or duly authorized to act on the copyright owner's behalf.

G. Feedback and Submissions.

Unless we specifically provided otherwise, all feedback or submissions of any kind that you submit to this Site (the “Contributions”) are hereby received on a non-confidential basis and shall, to the fullest extent permissible under applicable law, become our property. To the extent that applicable law does not provide us with an ownership interest in any Contributions, you agree that by providing us with the Contributions you are granting us any of our affiliated companies and sub licensees a perpetual, royalty-free, irrevocable worldwide license to use, transmit, copy, reproduce, distribute, publicly display or perform, and to prepare derivate works based upon the Contributions. By submitting or otherwise making the Contributions available to us, you represent and warrant that you own or control all rights in such Contributions necessary to post, upload, input, submit or otherwise make them available to us, and to provide us with either ownership or licensed rights under this section of the Agreement. You understand that your Contributions will not be confidential and that no compensation will be paid to you with respect to your Contributions. Despite the rights granted to us herein, we are under no obligation to in any way use, post, or otherwise make such Contributions available.

H. Linking and Framing

We prohibit the use of any links to the Site from any other websites unless establishment of such a link is approved in advance by us in writing. You may not frame any elements of this Site with any other website without our prior written permission.

I. Links to Other Web Sites.

This Site may periodically provide links to third-party websites (“Third-Party Sites”). This Agreement governs only this Site and not any Third-Party Sites. Our decision to link to a Third-Party Site is not an endorsement of the content, products or services in the Third-Party Site. We do not control these Third-Party Sites and expressly disclaims any responsibility for the content, the accuracy of the information and any products or services available on the Third-Party Sites. We have not investigated or monitored the Third Party Sites for accuracy or completeness. The Third Party Sites may have different privacy policies and security standards than our Site. We are not responsible if any terms shown on our Site differ from those shown on the Third-Party Sites. If you decide to access linked Third-Party Sites, you do so at your own risk.

J. Security and Privacy Policy.

Our Privacy Policy can be reached at: www.peertransfer.com/privacy, in here you will learn about the Security and Privacy controls the company has established to protect your information.

K. Disclaimer of Warranties

YOU ACKNOWLEDGE AND AGREE THAT THIS SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. NONE OF PEERTRANSFER, ITS AFFILIATES, SUBSIDIARIES OR ITS OR THEIR OFFICERS, MANAGERS, DIRECTORS, EMPLOYEES OR AGENTS (COLLECTIVELY THE “PEERTRANSFER PARTIES”) GUARANTEES THE ACCURACY, COMPLETENESS, TIMELINESS, RELIABILITY, SUITABILITY OR USEFULNESS OF ANY PORTION OF THE SITE. NONE OF THE PEERTRANSFER PARTIES WARRANT THAT THIS SITE WILL BE UNINTERRUPTED OR ERROR FREE, THAT ANY SPECIFIC INFORMATION THAT IS REQUESTED WILL BE PROVIDED OR THAT THIS SITE OR ITS SERVER ARE OR WILL BE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL ELEMENTS. YOU EXPRESSLY AGREE THAT THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THIS SITE AND THE ACCURACY, TIMELINESS OR COMPLETENESS OF THE CONTENT OR SERVICES IS ASSUMED SOLELY BY YOU.

NONE OF THE PEERTRANSFER PARTIES MAKES ANY, AND HEREBY SPECIFICALLY DISCLAIMS ANY AND ALL, REPRESENTATIONS, ENDORSEMENTS, GUARANTEES, AND WARRANTIES, EXPRESS OR IMPLIED, REGARDING THIS SITE, INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. YOU UNDERSTAND AND AGREE THAT ANY CONTENT, MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS USED AT YOUR OWN RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH CONTENT, MATERIAL AND/OR DATA.

L. Limitation of Liability

UNDER NO CIRCUMSTANCES WILL ANY OF THE PEERTRANSFER PARTIES BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON INFORMATION OBTAINED THROUGH THIS SITE. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS, OR USEFULNESS OF THIS SITE. IN NO EVENT SHALL ANY OF THE PEERTRANSFER PARTIES BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATING TO THE SITE OR THIS AGREEMENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR NEGLIGENCE, CONSEQUENTIAL, INCIDENTAL OR OTHER DAMAGES, IN SUCH JURISDICTIONS THE PEERTRANSFER PARTIES' LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THIS SITE IS TO STOP USING THIS SITE.

M. Miscellaneous

In the event that any portion of this Agreement is held to be invalid or unenforceable, then such portion shall be construed in accordance with the applicable law as nearly as possible to reflect the original intentions of the parties, and the remainder of this Agreement shall remain in full force and effect. The sections of this Agreement entitled Intellectual Property Rights, Disclaimer of Warranties, Limitation of Liability, Governing Law; Disputes and Miscellaneous shall survive the termination of this Agreement. This Agreement contains the entire agreement of the parties concerning your use of this Site and supersedes all existing agreements and all other oral, written or other communication between the parties concerning its subject matter. We reserve the right to change, suspend, or discontinue all or any part of this Site or the Content at any time without prior notice or liability. You expressly absolve and release the peerTransfer Parties from any claim of harm resulting from a cause beyond their control, including, but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes or other labor problems, wars, terrorist activities or governmental restrictions. You may not assign this Agreement. No waiver shall be effective unless in writing. The paragraph headings herein are provided only for reference and shall have no effect on the construction or interpretation of this Agreement. You expressly agree not to export or re-export any of the Content to countries or persons prohibited under the export control laws of the United States.

The Services

These Services Terms of Use (hereinafter, the “User Agreement”) governs the terms under which you may access and use peerTransfer’s payment related services (the 'Service') made available to you via your use of the peerTransfer website (the “Site”). Do not access or use the Service if you do not agree to be bound by this User Agreement. By accessing and using the Service, you are agreeing to the terms and conditions set forth in this User Agreement. As used throughout this User Agreement, the terms 'peerTransfer', 'we', 'us', and 'our' refer to PeerTransfer Education Corp., a Delaware Corporation, together with its employees, directors, successors, affiliates, and assignees.

The terms 'you' and 'your' refer to users of the Service. peerTransfer shall have the right, at its sole discretion, to modify, add, or remove any terms or conditions of this User Agreement at any time. You will be notified of any changes through a posting on the Site, a notification in the Service, or via e-mail. Any and all changes shall be effective immediately following the posting of such changes. The most recent version of this Agreement may be found at www.peertransfer.com/terms. You agree to review this Agreement from time to time and agree that any subsequent use by you of the Services following the New Effective Date shall constitute your acceptance of all such Changes. If you do not agree to any or all of the Changes, you must stop using the Services immediately and notify us to the contact information at the end of this document

A. OVERVIEW OF THE SERVICE

The Service is a proprietary service made available by peerTransfer. The Service was created to allow international students and their families to pay their tuition and related payments to those designated peerTransfer secondary schools, colleges and universities that peerTransfer serves as a payment agent for (each a “Designated School”). You are prohibited from using the Service to send money to persons or entities other than the Designated Schools.

The Service allows people generally located in countries outside of the United States to send money to a Designated School for tuition and related payments. For purposes of this Agreement, the 'Destination Country' is the country in which the Designated School receives money through the Service. peerTransfer collects the money sent as an agent for the Designated School and subsequently remits such amount to the Designated School. A 'Transaction' is a specific instruction to send money through the Service. The 'Transaction Amount' is the amount that the sender provides for transmittal to the Designated School, excluding applicable fees and prior to any foreign exchange conversion. The 'Payout Amount' is the amount paid out to the Designated School, excluding any taxes or charges that may be levied under the laws of the Destination Country (the 'Local Taxes').

B. ACCESSING THE SERVICE

Eligible Users. You must be at least eighteen (18) years old to access or use the Service as a sender. You must be able to form legally binding contracts under the applicable law of the State you are accessing this Service from. Other restrictions may apply. If you allow your minor child or a child for whom you are a legal guardian (a “Minor”) to access the Site, you will be solely responsible for (i) the online conduct of such Minor, (ii) monitoring such minor's access to and use of the Site, and (iii) the consequences of any use of the Site by such Minor.

We do not intend to solicit information or to market any products or services to children through this Site. Pursuant to 47 U.S.C. § 230(d) as amended, we hereby notify you that parental control protections (such as computer hardware, software, or filtering services) are commercially available that may assist you in limiting access to material and information that is harmful to Minors.

Not Available to Certain Residents. The Service may not be available in whole or in part in different States, countries, and jurisdictions. We will inform you in the process of signing up whether we can serve your jurisdiction.

Offer and Acceptance. If you submit a Transaction, you are requesting that we process your Transaction, an offer which we may accept or reject at our sole discretion.

C. PAYMENT

• For each Transaction that you submit, you agree to pay us the Transaction Amount. If additional charges apply, we will notify you. Payment is due at the time you submit your Transaction. We accept payment in U.S. Dollars, GBP Pounds, Canadian Dollars, New Zealand Dollars, Hong Kong Dollars, Euros, Australian Dollars, Japanese Yen, Mexican Pesos, Swiss Francs, Saudi Arabian Riyals, Singapore Dollars, Israeli Shekels, Indian Rupees and Turkish New Lira at this time. If you submit a transaction that results us being charged with NSF fees, chargeback fees, or other similar fees, you agree to reimburse us for all such fees. In some instances, for Transactions funded from the sender’s bank account, you agree that we may charge your bank account for less than the amount of the transfer as part of our effort to confirm ownership of the account.
• Payment. In order for us to collect payment on time from you, you must follow diligently the instructions sent to the email registered when the transaction was booked. Either take the instructions to your financial institution’s branch or if available, process the wire payment via your financial institution’ online portal. We do not have access to your bank account, so if your payment fails or is insufficient, you must resubmit the wire payment. By initiating the payment, you represent and warrant that you are the lawful owner of the bank account used to process transaction.
• Other Charges. We are not responsible for any fees or charges that may be imposed by the financial institution associated with your transaction (wire). We are not responsible for any insufficient funds charges, chargeback fees, or other, similar charges that might be imposed on you by your bank or other provider.
• How do we make money? peerTransfer and its Service Providers (defined below) usually make money when you pay for a Transaction in one currency, and the Transaction is paid out in another, based on the difference between the exchange rate at which we buy foreign currency and the exchange rate provided to you. You agree that, when you book a Transaction to a Designated School through the Service, the bank account is denominated in the same currency as the Transaction booking information.

D. ACCESS TO YOUR INFORMATION

You can access, modify or update your personal information submitted on our Site by logging into your account and changing your preferences. However, be aware that if the changes are substantial and/or directly affect the processing of the transaction, it might also affect the timeframe of which this payment is disbursed to the school or it might be cancelled completely.

E. PROTECTION OF YOUR PERSONAL INFORMATION

We employ industry accepted standards in protecting the information you submit to us on our Site. We have put in place SSL [Secure Socket Layer] encryption technology to protect your sensitive information transmitted on our Site. We also require a username and password from each user who wants to access their information on our Site.

F. CHOICES YOU CAN MAKE ABOUT OUR USE OF YOUR INFORMATION

Federal and State laws allow you to restrict the sharing of your personal information in certain instances. Please refer to our privacy policy www.peertransfer.com/privacy for any possible constraints of information sharing. Even though you have the right to not share information with us, there might be some information needed in order to process your transaction.

G. DISBURSEMENT

• Service Providers. We may work with local banks, foreign exchange providers and other third-party service providers (each, a 'Service Provider') to pay funds out to Designated School.

H. RESTRICTIONS

• General. We may, at any time and in our sole discretion, refuse any Transaction or limit the amount to be transferred, either on a per Transaction basis or on an aggregated basis. Any such limits may be imposed on individual accounts, linked accounts, or on related accounts or households, in peerTransfer’s sole discretion. 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.
• Delays. Your Transaction may be delayed or cancelled in the course of our efforts to verify your identity, validate your Transaction instructions and Payment Instruments, contact and locate you, and otherwise comply with internal protocols of verification of identity against government-issued watch lists, or any other applicable Federal and State law. Business hours and currency availability may also play a role in a delay. Nevertheless, you may be entitled to a refund in certain circumstances, as described herein.
• Commercial Transactions. You should not use the Service to send money except to Designated Schools
• Unauthorized Transactions. You may not use the Service in violation of this User Agreement or applicable laws, rules or regulations. It is a violation of the User Agreement to use the Service for any of the following activities (without limitation): sexually-oriented materials or services, gambling activities, fraud, and money-laundering, the funding of terrorist organizations, or the purchase or sale of tobacco, firearms, prescription drugs, or other controlled substances. If you use the Service in connection with illegal conduct, peerTransfer reserves the right to cancel the booked transaction and report you to the appropriate law enforcement agency or agencies.
• Ineligibility. 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. We may, at our sole discretion, refuse Transactions from certain senders and to certain Designated School s, including without limitation, entities and individuals that are included on the Specially Designated Nationals list, Non-cooperative Countries and Territories list, and such other lists as may be issued from time to time by the U.S. Department of Treasury and other government agencies.
• Others. You may not submit or receive a Transaction on behalf of any other person.
• No Changes. We generally do not let you change the details of your Transaction once it's submitted to us for processing. It is your responsibility to make sure your Transaction details are accurate before they are submitted.
• Restricted Activities. In connection with your use of the Service, or in the course of your interactions with peerTransfer, a user or a third party, you will not:
• Breach this User Agreement, or any other agreement between you and us.
• Open more than one account, without our prior written permission.
• Provide false, inaccurate, or misleading information.
• Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us.
• Use an anonymous proxy.
• Use any robot, spider, other automatic device, or manual process to monitor or copy our website without our prior written permission.

I. COLLECTION OF INFORMATION

• Privacy Policy. By agreeing to this User Agreement, you acknowledge and consent to peerTransfer’s Privacy Policy, which can be found at www.peertransfer.com/privacy
• Customer Identification Program. To help the government fight the funding of terrorism and money laundering activities, U.S. law requires that we obtain, verify, and record information about you. We may require that you provide us with non-public, personal, identifying information. We may also lawfully obtain information about you from other sources without your knowledge, including non-personal identifying information that we may obtain while you visit this website. Please see our Privacy Policy.
• Government Disclosures. We may provide information about you and your Transactions to government authorities and enforcement agencies, as described in our Privacy Policy.
• Verifying information. You authorize us, directly or through third parties, to make any inquiries we consider necessary to validate the information you have provided to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your email address or financial instruments, verifying your information against third party databases, or through other sources.

J. PROBLEMS

• General. Please let us know if you have any problems with the Service. You can contact us using the contact information at the bottom of this User Agreement.
• Downtime. Subject to the terms and conditions of this Agreement, we shall use commercially reasonable efforts to provide the Service twenty-four (24) hours a day, seven (7) days a week. You agree, however, that from time to time, the Service may be inaccessible or inoperable for various reasons, including (i) equipment malfunctions; (ii) periodic maintenance procedures or repairs which we may undertake from time to time; or (iii) causes beyond the control of peerTransfer or which are not reasonably foreseeable by peerTransfer, including interruption or failure of telecommunication or digital transmission links, hostile network attacks or network congestion or other failures.
• Refunds. In general, we do not provide refunds. We will consider your written request for a refund (submitted by email, fax, or regular mail using the contact information at the bottom of this Agreement) if you provide the sender’s full name, address, and phone number, together with the, Transaction Amount, and the reason for the refund request.
• If we do provide you a refund, we will only refund the Transaction Amount if the Transaction was not paid out to the Designated School (in which case we will also cancel your pending Transaction). Refund amounts will be adjusted to account for changes in the value of the U.S. dollar or foreign currency from the time your Transaction was submitted.

K. DISCLAIMER OF WARRANTIES

The Service is provided “as is” and without any warranty or condition, express, implied or statutory. We, our subsidiaries, employees and our suppliers 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. This warranty gives you specific legal rights; however, you may also have other legal rights that vary from State to State.

L. INDEMNITY

You agree to indemnify and hold peerTransfer, Service Providers, and their respective subsidiaries, officers, agents, partners, and employees 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 your violation of any rights of another.

M. LIMITATION OF LIABILITY

In no event shall peerTransfer, service providers, or their respective subsidiaries, officers, agents, partners, or employees be liable for any direct, indirect, incidental, special, consequential or exemplary damages beyond the sum of $500.00 (in addition to refunding the Transaction Amount), including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if peerTransfer has been advised of the possibility of such damages) resulting from negligence on the part of peerTransfer, disbursement partners, or their respective subsidiaries, officers, agents, partners, or employees.

peerTransfer may make changes or improvements to Service described herein, at any time, without notice.

N. DISPUTE RESOLUTION AND GOVERNING LAW

• Governing Law. This Agreement shall be governed according to the laws of the Commonwealth of Massachusetts, and all activities performed in connection with the Service shall be deemed to have been performed in Massachusetts. 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 the Commonwealth of Massachusetts, except that body of law governing conflicts of law.
• Disputes with peerTransfer. If a dispute arises between you and peerTransfer, our goal is to learn about and address your concerns and, if we are unable to do so to your satisfaction, to provide you with a neutral and cost effective means of resolving the dispute quickly. Disputes between you and Peertransfer regarding the Service may be reported to Customer Service online through www.peertransfer.com/contact.
• Forum for Disputes. Any legal action or proceeding relating to this User Agreement or your access to or use of this Service shall be instituted in a State or Federal court in Boston, Massachusetts. You agree to submit to the jurisdiction of, and agree that venue is proper in these courts. You agree to make the peerTransfer whole for any and all claims, losses, liabilities, and expenses (including attorneys’ fees) arising from your use of the Service or any violation of this User Agreement.
• Improperly Filed Litigation. All claims you bring against peerTransfer must be resolved in accordance with this Agreement. All claims filed or brought contrary to this Agreement shall be considered improperly filed, and a breach of this Agreement. Should you file a claim contrary to this Agreement peerTransfer may recover attorneys’ fees and costs (including in-house attorneys and paralegals) up to $10,000.00 USD, provided that peerTransfer has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim.

O. ELECTRONIC COMMUNICATIONS

You acknowledge that this Agreement shall be entered into electronically, and that the following categories of information ('Communications') may be provided by electronic means: (i) this User Agreement and any amendments, modifications or supplements to it; (ii) your records of transactions through the Service; (iii) any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by federal or state law; (iv) any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Service; (v) any other communication related to the Service or peerTransfer.

The Service does not allow for Communications to be provided in paper format or through other non-electronic means. You may withdraw your consent to receive Communications electronically, but if you do, your use of the Service shall be terminated. In order to withdraw your consent, you must contact us using our contact information at the end of this User Agreement.

P. MISCELLANEOUS

• Entire Agreement. The Agreement constitutes the entire agreement between you and peerTransfer and governs your use of the Service, superseding any prior agreements between you and peerTransfer.
• No Waiver. The failure of peerTransfer to exercise or enforce any right or provision of the User Agreement shall not constitute a waiver of such right or provision. If any provision of the 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 Agreement as reflected in the provision, and the other provisions of the Agreement shall remain in full force and effect.
• Modification. We may modify this 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 Agreement at any time by reviewing this website. You may terminate your use of the Service if you do not agree with any modification or amendment. 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 Agreement and acknowledge that any attempts by you to modify this Agreement shall be void.
• Language. In the event there is any inconsistency between the English and Spanish or other language text on this website, including the User Agreement, the English text shall be binding.

Q. CONTACT INFORMATION

• by online at: www.peertransfer.com/contact
• by toll-free telephone at: 1-800-346-9252 for US and Canada or 1-617-207-7076 for international customers;
• by fax at: 1-617-517-3830; or
• by mail at: peerTransfer Education Corporation, Attn: Customer Service, 200 Portland Street, Suite 301, Boston, MA 02114.

Last updated: October 25, 2011