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} </style> <!--<nav id="nav-init"></nav> --> <link class="" rel="stylesheet" type="text/css" href="/stylesheets/global-site.css" /> <style> body { background-color:white } ol { list-style: decimal; } @media (min-width: 768px){ #terms .tab-container .tab { font-size: 15px !important; }} @media (min-width: 768px){ #terms .tab-container span { margin: 0 22px; }} </style> <div id="top"></div> <div class="blue-nav-gap"></div> <section class="section pangea-blue header terms"> <h2>User Agreements</h2> </section> <section class="section" id="terms"> <div id="terms-privacy-nav" class="tab-container"> <a href="/remmesa-terms" class="tab pp">Terms of Use</a> <span>|</span> <a href="/remmesa-privacy" class="tab pp">Privacy Policy</a> <span>|</span> <a href="/remmesa-promotions" class="tab pp">Promotional Terms</a> <span>|</span> <a href="/remmesa-promo/" class="tab pp">SMS Terms</a> <span>|</span> <a href="/remmesa-bill-pay-terms/" class="tab active tcs">Bill Pay Terms</a> <span>|</span> <a href="/remmesa-automatic-transfers/" class="tab pp">Automatic Transfers</a> </div> <div class=""> <h2 class="desktop">Bill Pay Terms</h2> <div id="document"><p>Last modified: June 5, 2019</p><p><em>These money transmission services are being provided exclusively by Pangea USA, LLC, which is a money transmitter licensed and registered under applicable state and federal laws. Remmesa does not offer money transmission or banking services in the United States.</em></p><ol><li style="font-weight: 300;"><span style="font-weight: 300;">Pangea uses Arcus Financial Intelligence, Inc. (“Arcus”), a software provider, to link Pangea’s services to external providers using credentials that you, the User, provide. Use of Pangea’s services constitutes your consent to authorize Pangea and Arcus to access external providers, using the information you provide, to retrieve, process, and store information held by such external providers. You grant Pangea and Arcus a limited power of attorney, and you hereby appoint Pangea your lawful attorney-in-fact, in all capacities, to use any information you provide in performing the above. You agree that Arcus may use anonymized and non-personally identifiable information obtained from such external providers for quality assurance, fraud prevention, statistical, and other purposes incidental to Arcus’s provision of services to Pangea.</span></li><li style="font-weight: 300;"><span style="font-weight: 300;">YOU AGREE THAT PANGEA OR ARCUS WILL ACT ON YOUR BEHALF, AS YOUR AGENT, TO ACCESS THIRD PARTY SITES USING INFORMATION THAT YOU PROVIDE. </span></li><li style="font-weight: 300;"><span style="font-weight: 300;">YOU AGREE THAT NEITHER PANGEA, NOR ARCUS, NOR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY DIRECT OR INDIRECT DAMAGES RESULTING FROM THE USE OF OR INABILITY TO USE PANGEA’S SERVICES. You furthermore agree to indemnify and hold Pangea, Arcus, and their respective affiliates harmless from any third party claims, damages, and costs caused by your use of Pangea’s services or your violation of these terms.</span></li><li style="font-weight: 300;"><span style="font-weight: 300;">CANCELLATION: Once a bill pay transaction has been processed and Arcus has sent funds to the beneficiary’s biller, the transaction cannot be canceled. While this usually happens within a few minutes, there may be a delay prior to the payment displaying on the beneficiary’s account with the biller.</span></li><li style="font-weight: 300;"><span style="font-weight: 300;">AVAILABILITY: Bill pay transactions are not available in all jurisdictions.</span></li></ol></div></div> </section> <script> $(function() { $(document).ready(function() { $(".remove-element-on-load").remove(); }); }); </script> <footer> <style type="text/css"> li.widget {list-style: none !important;} </style> <li id="custom_html-3" class="widget_text widget widget_custom_html"><div class="textwidget custom-html-widget"><script type="text/javascript"> //Returns the value of a parameter existing in the page's URL or ' ' if not exists. function getParameterFromURL(name, url) { if (!url) url = window.location.href; name = name.replace(/[\[\]]/g, '\\$&'); var regex = new RegExp('[?&]' + name + '(=([^&#]*)|&|#|$)'), results = regex.exec(url); if (!results) return null; if (!results[2]) return ''; return decodeURIComponent(results[2].replace(/\+/g, ' ')); } function isMobileDevice() { return (typeof window.orientation !== "undefined") || (navigator.userAgent.indexOf('IEMobile') !== -1); } function getMobileOperatingSystem() { var userAgent = navigator.userAgent || navigator.vendor || window.opera; if (userAgent) { if (/android/i.test(userAgent)) { return "Android"; } // iOS detection from: http://stackoverflow.com/a/9039885/177710 if (/iPad|iPhone|iPod/.test(userAgent) && !window.MSStream) { return "iOS"; } } return "unknown"; } function isAFLink() { return getParameterFromURL('af_redirect'); } function isFacebook() { if (document.referrer && document.referrer != "") { return document.referrer.toLowerCase().includes('facebook'); } else { return false; } } // generateUrl returns the URL to use behind the iOS and Android "Download" buttons on a landing page, based on the source of the page visitor. // By default these buttons should direct to the apps' pages on iTunes and Google Play. // If these links should be kept with no change, generateUrl returns ' '. // Otherwise, generateUrl returns the URL to be used under BOTH buttons (a single app download button could also be used in this case). // Parameters: isDebug - if true, alerts are issued for each of the cases, otherwise not. function generateUrl(isDebug){ var oneLinkURL = 'https://pangea.onelink.me/2231221683/'; // **** Replace with your own basic OneLink URL **** var webFormURL = 'https://pangea.onelink.me/2231221683/'; // **** Replace with your own web form URL for getting the user's email or SMS **** var finalURL = ""; var partnerIDParam = '?pid='; var campaignValue; if (getParameterFromURL('af_c')) { campaignValue = getParameterFromURL('af_c'); } else if (getParameterFromURL('utm_campaign')) { campaignValue = getParameterFromURL('utm_campaign'); } else if (document.getElementsByTagName('title')[0]) { campaignValue = document.getElementsByTagName('title')[0].innerText; } else { campaignValue = 'unknown'; } var campaignParam = '&c='; var gclidParam = '&af_sub1='; var gclidValue = getParameterFromURL('gclid'); var kwParam = '&af_keywords='; var pidValue; var kwValue = getParameterFromURL('keyword'); if (getParameterFromURL('af_pid')) { pidValue = getParameterFromURL('af_pid'); } else if (getParameterFromURL('utm_source')) { pidValue = getParameterFromURL('utm_source'); } // Prevent the use of real SRN names. Remove this part after you are done testing the script. var SRNs = [ 'twitter_int', 'facebook_int', 'snapchat_int', 'doubleclick_int', 'yahoogemini_int', 'yahoojapan_int', ]; if (SRNs.includes(pidValue)) { alert("DO NOT USE NAMES OF SRNS IN af_pid or utm_source - use the names listed in Other SRNs: Add Parameter section in the landing page article\nhttps://support.appsflyer.com/hc/en-us/articles/360000677217#other-srns-add-parameter"); return; } // Desktop user if (!isMobileDevice()) { return webFormURL; } // User was redirected using af_r parameter on an AppsFlyer attribution link if (isAFLink()) { if (isDebug) { alert("This user comes from AppsFlyer by redirection and is ready to be attributed. \nKeep direct app store links."); } return; // in this case, the original store links in the install buttons stay the same /* If you want one install button in the landing page that serves both iOS and Android, uncomment the code below The code identifies the operating system and returns the relevant direct link to Google Play or iTunes if (getMobileOperatingSystem() === 'Android') { return 'direct link to Google Play'; } if (getMobileOperatingSystem() === 'iOS') { return 'direct link to iTunes'; } */ } // Google Ads if (gclidValue) { partnerIDParam += 'google_lp'; campaignParam += campaignValue; gclidParam += gclidValue if (!kwValue) { finalURL = oneLinkURL + partnerIDParam + campaignParam + gclidParam; if (isDebug) { alert("This user comes from Google AdWords\n " + finalURL); } return finalURL; } else { // Google Ads with KW kwParam += kwValue; finalURL = oneLinkURL + partnerIDParam + campaignParam + gclidParam + kwParam; if (isDebug) { alert("This user comes from Google AdWords - there is a keyword associated with the ad\n " + finalURL); } return finalURL; } // Other SRNs and custom networks } else if (pidValue) { campaignParam += campaignValue; partnerIDParam += pidValue; finalURL = oneLinkURL + partnerIDParam + campaignParam; if (isDebug) { alert("This user comes the SRN or custom network " + pidValue + "\n" + finalURL); } return finalURL; } else if (isFacebook()) { if (isDebug) { alert("This user comes from a paid Facebook ad - don't do anything. \nKeep direct app store links."); } return ' '; } else { // organic mobile user campaignParam += campaignValue; partnerIDParam += 'website'; //**** Replace value if you wish organic users to be attributed to another media source than 'website' **** finalURL = oneLinkURL + partnerIDParam + campaignParam; if (isDebug) { } return finalURL; } } </script> <script type="text/javascript"> window.onload = function () { var url = generateUrl(false); // onelink is generated if (url) { document.getElementById('andrd_link').setAttribute('href', url); document.getElementById('ios_link').setAttribute('href', url); } //otherwise, if onelink is not generated it means that the user is redirected // and the store links in the buttons stay the same }; </script> <div class="mobile"> <div class="download-app-icons"> <a id="ios_link" href="https://pangea.onelink.me/2231221683/"> <img class="ios en" alt="Pangea Money Transfer App for iOS" src="/images/download-the-app/button-app-store.svg" data-no-retina="" /> </a> <a id="andrd_link" href="https://pangea.onelink.me/2231221683/"> <img class="android en" alt="Pangea Money Transfer App for Android" src="/images/download-the-app/button-google-play.svg" data-no-retina="" /> </a> </div> <ul> <li><a href="/how-it-works">How It Works</a></li> <li><a href="/refer-a-friend">Refer A Friend</a></li> <li><a href="/about">About Us</a></li> <li><a href="/team">Our Team</a></li> <li><a href="https://newsroom.pangeamoneytransfer.com/">The Exchange Blog</a></li> <li><a href="/help">Help & Contact</a></li> <li><a href="/support">Complaints</a></li> <li><a href="/privacy">Privacy Policy</a></li> <li><a href="/terms">Terms of Use</a></li> <li><a href="/promo-terms">Promotional Terms</a></li> <li><a href="/auto-transfers">Automatic Transfers</a></li> <li><a href="https://connect.pangeamoneytransfer.com/">Prospective Partners</a></li> </ul> </div></div></li> <li id="custom_html-4" class="widget_text widget widget_custom_html"><div class="textwidget custom-html-widget"><script type="text/javascript"> //Returns the value of a parameter existing in the page's URL or ' ' if not exists. function getParameterFromURL(name, url) { if (!url) url = window.location.href; name = name.replace(/[\[\]]/g, '\\$&'); var regex = new RegExp('[?&]' + name + '(=([^&#]*)|&|#|$)'), results = regex.exec(url); if (!results) return null; if (!results[2]) return ''; return decodeURIComponent(results[2].replace(/\+/g, ' ')); } function isMobileDevice() { return (typeof window.orientation !== "undefined") || (navigator.userAgent.indexOf('IEMobile') !== -1); } function getMobileOperatingSystem() { var userAgent = navigator.userAgent || navigator.vendor || window.opera; if (userAgent) { if (/android/i.test(userAgent)) { return "Android"; } // iOS detection from: http://stackoverflow.com/a/9039885/177710 if (/iPad|iPhone|iPod/.test(userAgent) && !window.MSStream) { return "iOS"; } } return "unknown"; } function isAFLink() { return getParameterFromURL('af_redirect'); } function isFacebook() { if (document.referrer && document.referrer != "") { return document.referrer.toLowerCase().includes('facebook'); } else { return false; } } // generateUrl returns the URL to use behind the iOS and Android "Download" buttons on a landing page, based on the source of the page visitor. // By default these buttons should direct to the apps' pages on iTunes and Google Play. // If these links should be kept with no change, generateUrl returns ' '. // Otherwise, generateUrl returns the URL to be used under BOTH buttons (a single app download button could also be used in this case). // Parameters: isDebug - if true, alerts are issued for each of the cases, otherwise not. function generateUrl(isDebug){ var oneLinkURL = 'https://pangea.onelink.me/2231221683/'; // **** Replace with your own basic OneLink URL **** var webFormURL = 'https://pangea.onelink.me/2231221683/'; // **** Replace with your own web form URL for getting the user's email or SMS **** var finalURL = ""; var partnerIDParam = '?pid='; var campaignValue; if (getParameterFromURL('af_c')) { campaignValue = getParameterFromURL('af_c'); } else if (getParameterFromURL('utm_campaign')) { campaignValue = getParameterFromURL('utm_campaign'); } else if (document.getElementsByTagName('title')[0]) { campaignValue = document.getElementsByTagName('title')[0].innerText; } else { campaignValue = 'unknown'; } var campaignParam = '&c='; var gclidParam = '&af_sub1='; var gclidValue = getParameterFromURL('gclid'); var kwParam = '&af_keywords='; var pidValue; var kwValue = getParameterFromURL('keyword'); if (getParameterFromURL('af_pid')) { pidValue = getParameterFromURL('af_pid'); } else if (getParameterFromURL('utm_source')) { pidValue = getParameterFromURL('utm_source'); } // Prevent the use of real SRN names. Remove this part after you are done testing the script. var SRNs = [ 'twitter_int', 'facebook_int', 'snapchat_int', 'doubleclick_int', 'yahoogemini_int', 'yahoojapan_int', ]; if (SRNs.includes(pidValue)) { alert("DO NOT USE NAMES OF SRNS IN af_pid or utm_source - use the names listed in Other SRNs: Add Parameter section in the landing page article\nhttps://support.appsflyer.com/hc/en-us/articles/360000677217#other-srns-add-parameter"); return; } // Desktop user if (!isMobileDevice()) { return webFormURL; } // User was redirected using af_r parameter on an AppsFlyer attribution link if (isAFLink()) { if (isDebug) { alert("This user comes from AppsFlyer by redirection and is ready to be attributed. \nKeep direct app store links."); } return; // in this case, the original store links in the install buttons stay the same /* If you want one install button in the landing page that serves both iOS and Android, uncomment the code below The code identifies the operating system and returns the relevant direct link to Google Play or iTunes if (getMobileOperatingSystem() === 'Android') { return 'direct link to Google Play'; } if (getMobileOperatingSystem() === 'iOS') { return 'direct link to iTunes'; } */ } // Google Ads if (gclidValue) { partnerIDParam += 'google_lp'; campaignParam += campaignValue; gclidParam += gclidValue if (!kwValue) { finalURL = oneLinkURL + partnerIDParam + campaignParam + gclidParam; if (isDebug) { alert("This user comes from Google AdWords\n " + finalURL); } return finalURL; } else { // Google Ads with KW kwParam += kwValue; finalURL = oneLinkURL + partnerIDParam + campaignParam + gclidParam + kwParam; if (isDebug) { alert("This user comes from Google AdWords - there is a keyword associated with the ad\n " + finalURL); } return finalURL; } // Other SRNs and custom networks } else if (pidValue) { campaignParam += campaignValue; partnerIDParam += pidValue; finalURL = oneLinkURL + partnerIDParam + campaignParam; if (isDebug) { alert("This user comes the SRN or custom network " + pidValue + "\n" + finalURL); } return finalURL; } else if (isFacebook()) { if (isDebug) { alert("This user comes from a paid Facebook ad - don't do anything. \nKeep direct app store links."); } return ' '; } else { // organic mobile user campaignParam += campaignValue; partnerIDParam += 'website'; //**** Replace value if you wish organic users to be attributed to another media source than 'website' **** finalURL = oneLinkURL + partnerIDParam + campaignParam; if (isDebug) { } return finalURL; } } </script> <script type="text/javascript"> window.onload = function () { var url = generateUrl(false); // onelink is generated if (url) { document.getElementById('andrd_link').setAttribute('href', url); document.getElementById('ios_link').setAttribute('href', url); } //otherwise, if onelink is not generated it means that the user is redirected // and the store links in the buttons stay the same }; </script> <div class="desktop"> <div class="flex-grid"> <div class="col-1"> <ul> <li><a href="/how-it-works">How It Works</a></li> <li><a href="/refer-a-friend">Refer A Friend</a></li> <li><a href="/about">About Us</a></li> <li><a href="/team">Our Team</a></li> </ul> </div> <div class="col-1"> <ul> <li><a href="https://newsroom.pangeamoneytransfer.com/">The Exchange Blog</a></li> <li><a href="/help">Help & Contact</a></li> <li><a href="/support">Complaints</a></li> <li><a href="/privacy">Privacy Policy</a></li> </ul> </div> <div class="col-1"> <ul> <li><a href="/terms">Terms of Use</a></li> <li><a href="/promo-terms">Promotional Terms</a></li> <li><a href="https://connect.pangeamoneytransfer.com/">Prospective Partners</a></li> </ul> </div> <div class="col-2"> </div> <div class="col-1"> <div class="download-app-icons"> <a id="ios_link" href="https://pangea.onelink.me/2231221683/"> <img class="ios en" alt="Pangea Money Transfer App for iOS" src="/images/download-the-app/button-app-store.svg" data-no-retina="" /> </a> <a id="andrd_link" href="https://pangea.onelink.me/2231221683/"> <img class="android en" alt="Pangea Money Transfer App for Android" src="/images/download-the-app/button-google-play.svg" data-no-retina="" /> </a> </div> </div> </div> </div></div></li> <li id="custom_html-5" class="widget_text widget widget_custom_html"><div class="textwidget custom-html-widget"><style> footer .flex-grid.desktop.last-section { max-height: none !important; } footer .last-section { max-height: none !important; } a.do-not-sell-my-info { font-size: 12px; text-decoration: none; color: #6C6C74; display: block; margin-top: 15px; margin-bottom: 5px; } a.do-not-sell-my-info:hover { color: #1BAAC5; } </style> <div class="small-text"> <div class="mobile"> <div class="social-icons"> <a href="https://www.facebook.com/PangeaMoneyTransfer" target="_blank" rel="noopener"> <img src="/images/footer/social/facebook.svg" alt="" /></a> <a href="https://instagram.com/gopangea/" target="_blank" rel="noopener"> <img src="/images/footer/social/instagram.svg" alt="" /></a> <a href="https://twitter.com/gopangea" target="_blank" rel="noopener"> <img src="/images/footer/social/twitter.svg" alt="" /></a> <a href="https://www.youtube.com/channel/UCWTTQ3jWIjgSte5d_x07pUg" target="_blank" rel="noopener"> <img src="/images/footer/social/youtube.svg" alt="" /></a></div> <p> <a href="https://pangeamoneytransfer.com/" target="_self" rel="noopener"> <img src="/images/logo-blue.svg" alt="" /></a>© Pangea USA, LLC 2019 <span>|</span> NMLS ID 1225147 <span>|</span> P.O. Box 3740, Chicago, IL 60654 <span>|</span> +1 866-858-9928</p> <a class="do-not-sell-my-info" href="https://pangeamoneytransfer.com/my-data/"> Do not sell my personal information </a> <div> <img style="max-width: 280px; margin-bottom: 30px; margin-top: 10px;" class="badge-foot" src="https://pangeamoneytransfer.com/wp-content/uploads/2020/01/2020badge_hor.jpg"> </div> </div> <hr class="desktop" /> <p>As measured by aggregate ratings on Google Store, Apple Store and Trustpilot.</p> <p class="delete-footnote"> 1. Cash deposit fees and limits may apply.<br> Offer applies when user successfully starts recurring payroll direct deposits for $500 or more. 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