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Last updated: September 9, 2026
Table of Contents
I. Introduction
II. Definitions
III. Acceptance of Terms
IV. Eligibility
V. Account Registration
VI. Identity Verification
VII. Use of Services
VIII. Intellectual Property
IX. Privacy
X. Termination
XI. Disclaimers
XII. Limitation of Liability
XIII. Indemnification
XIV. Governing Law and Dispute Resolution
XV. Changes to this Agreement
XVI. Miscellaneous
I. Introduction
This User Agreement ("Agreement") governs your use of the services provided by VCB Money, Inc d.b.a EZMonex ("Company," "we," "us," or "our"), including our mobile application (“Application”), and any related products or services (collectively, the "Services"). By accessing or using the Services, you ("User," "you," “customer”, “sender” or "your") agree to be bound by this Agreement. If you do not agree to these terms, you must not use the Services.
II. Definitions
User: Person who use EZMonex’s Services related to this Agreement.
Services: EZMonex’s mobile application, website, and any other platforms related to this Agreement.
Application: Mobile application of EZMonex that allows users to transfer money from the US to other countries.
Receipient: A designated Person or Entity who receives funds.
Money Transfer (Transaction): The electronic movement of funds from one individual or entity that instructs EZMonex to send money to a Recipient through the Services.
Payment Instrument: Any tool, method or electronic system that is used to transfer money, including credit card, debit card and bank account.
Personal Information: Any information that identifies, relates to, or could reasonably be linked directly or indirectly with a particular user, including, but not limited to, his or her name, signature, social security number, address, telephone number, passport number, driver’s license or state identification or any other financial information, commercial information.
Sensitive personal information: “Sensitive personal information” means Personal information that reveals:
• A consumer’s social security, driver’s license, state identification card, or passport number. • A consumer’s account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account. • Content of mail, email, and text messages. “Personal information” and “Sensitive personal information” does not include publicly available information that is lawfully made available to the general public from federal, state, or local government records. AML: Anti-Money Laundering KYC: Know Your Customer CTF: Counter Terrorist Financing.
III. Acceptance of Terms
By registering for an account, accessing, or using the Services, you confirm that you have read, understood, and agree to be bound by this Agreement, including any additional policies referenced herein, such as our Privacy Policy. This Agreement applies to all users, whether registered or unregistered.
IV. Eligibility
• You must be at least 18 years old to use the Application and our Services. You must be able to form legally binding contracts under applicable laws. You may use the Service for yourself and not on behalf of any other person. • The Service is available to residents of the United States only. If you are living outside the United States for a prolonged period, we may suspend your access to the Service. • If you become a registered user and you are provided with a username, password, personal identification number (“PIN”) or any other secured information as part of our procedures, such information must be treated as confidential, and you must not disclose it to any third parties. • You agree that you are allowed to create and maintain only one registered user account. If we determine that you are using multiple EZMonex cccounts, we will terminate one or more accounts or limit your use of the Service.
V. Account Registration
• Account Creation: To access certain features of the Application, you may need to create an account. To create EZMonex Account, you will be required to provide us with a mobile phone number and an email address. By using the Services, you represent that you are the owner of such email address and mobile phone number. When you provide us with your mobile phone number or email address, you consent to receiving transactions and account- related calls or text (SMS) messages or email and push notifications from us regarding your EZMonex Account or EZMonex Transactions. We may contact you via call or text or email for any purpose consistent with the terms of this Agreement and our Privacy Policy, including but not limited to Transaction receipts and notifications regarding updates to your account. Standard message and data rates may apply based on your contract with your mobile carrier. You agree to provide accurate, current, and complete information during registration and to update such information as necessary.
• Account Updating and Noticing: To ensure that we can provide you with notices, disclosures and statements, you must notify us of any change in your email address and your mobile phone number. EZMonex shall not be liable for any loss or other consequences if you do not regularly notify us of your change of email address and phone number.
• Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. Notify us immediately of
any unauthorized use of your account. You should be cautioned when accessing your account in public so that others are not able to view or record your username, password or other personal information.
VI. Identity Verification
• As required by state and federal laws and to keep our system safe, we need to verify your identity and keep certain information that you provide us consistent with our Privacy Policy.
• To comply with obligations of applicable laws, such as AML and CTF laws, we may be required to obtain, verify, and record identifying information about you. We may also lawfully obtain information about you from other sources.
• You agree to authorize us to make any inquiries that we determine are reasonably necessary to validate the information that you provide us. We may also request additional information from you to verify your identity against third-party databases or through other sources and request you to take steps to confirm ownership of your email address or Payment Instrument.
VII. Use of Services
• Access to the Services:
o Application allows you to transfer money from the US to other countries. You can send money to Receipient, and the Recipient can receive funds sent by you, even if they do not have an EZMonex Account or use the Services.
o Subject to this Agreement with your compliance, EZMonex grants you a limited non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, run and use a copy of the Application on a device for your purposes.
• Transaction:
o Transfering transactions are subject to our acceptance. You agree that we may impose limitations on transaction amounts, refuse or delay transactions under certain circumstances, such as suspected fraud, money laundering, terrorist financing or legal requirements. We may refuse Transactions from certain Senders and to certain Recipients that are included in the OFAC list and such other lists as issued by different government agencies. We are not under any obligation to carry out any Transaction that you request if, you have broken any of your obligations set out in this Agreement.
o You are sole responsible for ensuring the accuracy of transaction details, including the recipient's information. We are not liable for any losses, including any amounts sent to an incorrect receipient, due to inaccurate information provided by you.
o You authorize EZMonex to charge your designated Payment Instrument for the
amount of money transfer transaction, and EZMonex’s associated service charge.
o After your identity has been verified, proper Payment Instrument authorization has been received and the screening for proper compliance with the various applicable laws and regulations has been completed, the money transfer is promptly made available to the Recipient for cash picking up at a paying agent location, home delivery or bank account deposit.
o Subject to limitations under applicable law, EZMonex shall not be liable for failure to complete Transactions in the following circumstances:
▪ Your payment instructions contain inaccurate instructions, mistakes, or insufficient information; or
▪ Your chosen payment instrument does not have sufficient funds to pay for a Transaction you initiate through the Service.
o Recipients may be required to provide information, such as valid identification, to verify their identities to our Service Providers before receiving funds. Recipients may also be required to provide a reference number or another similar identifier associated with the applicable Transactions.
o Transfer speeds are estimates and not guaranteed, depending on the amount of the transaction, the method of payment, the limitation of the paying agent’s hours of operation and location and/or the accuracy of the information provided by you.
• Fees and Payments:
o Our Service Fees: You agree to pay the applicable service fees per each transfer executed through the Application, which will be disclosed to you before you submit the transfer. The service fees will be charged to the Payment Instrument you select as the payment method for your money transfer transaction.
o Other Charges: You are responsible for any fees imposed by your financial institution or other third parties in connection with the transaction (e.g. the bank issuing your credit card or debit card or where your account is opened). Such fees will not be displayed on the money transfer receipts (if any).
o Foreign Currency Exchange: Transactions may be subject to foreign currency exchange rates, in addition to any service charge appearing on your receipt. The payout currency for such money transfer is acquired by us. We may earn revenue from the conversion of USD to the requested currency.
o If we are unable to process your transfer using the Payment Instrument you selected, we will notify you and request that you choose another Payment Instrument to complete your transaction.
• Money Transfer Cancellations and Refunds:
o EZMonex resever the right not to process any transactions that are missing any required or sufficiecnt information. Transactions that lack required information will be rejected or will be kept on hold for 48 hours, which after will be automatically canceled and funds will be returned to you, unless it is requested by applicable laws that the related funds must be blocked (e.g. true positive match with OFAC list).
o If you submit a money transfer to Recipient and later request to cancel such transaction youself because you do not want the funds to be transmitted, we first need to check with the paying agent in delivery country to determine if the money transfer has been paid to the Recipient. EZMonex’s ability to stop or cancel a transaction depends on the method you select to disburse the funds to your Recipient and the time when you submit your cancellation request. If we can confirm that payment has not been made, the transaction will be canceled, the funds will be returned and EZMonex will refund the amount to you less any service charge place by EZMonex and/or correspondent(s), following that:
▪ If you cancel the transfer within thirty (30) minutes after transaction submission, the refunds shall be available within three (3) business days. ▪ If you cancel the transfer extending thirty (30) minutes after transaction submission, the refunds shall be available within ten (10) business days of the confirmed stop order or as soon as the refunds are returned by the paying partner, whichever is first. ▪ If you request a refund as a result of of an unreasonable delay in payment, which is sole the fault of EZMonex or our correspondent(s), EZMonex shall reimburse you for the full amount you remitted, including service fees. o You can submit a cancelation request on Application or by contacting us. When you contact us, you must provide us with necessary information to help us identify the transfer you wish to cancel. o Refunds will be in USD and credited to the original payment method used for the transaction. Refunds will not be adjusted to account for changes in the value of the USD or foreign currency from the time your Transaction was submitted. If the transfer is in foreign currency, the USD refund will equal the amount of USD that can be purchased at EZMonex’s prevailing exchange rate on the date of refund, but in no event in excess of the original amout to be originally transmitted. EZMonex’s liability is limited to the USD amount shown on the face of this receipt. EZMonex shall not be liable for any direct or consequential damages resulting from late delivery or non delivery of your messages of funds. No person is authorised to alter or waive any terms of this Agreement on EZMonex’s behalf. o If the Payment Instrument you used to pay for the original Transaction is no longer valid and we are unable to find a mutually acceptable solution, your refund may be delayed until we are able to process it in a commercially reasonable manner.
• Money Transfer Refunds (For Money Transfers originating in California) o RIGHT TO REFUND: You, the customer, are entitled to a refund of the money to be transmitted as a result of this agreement if EZMonex does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money 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 money will be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to EZMonex at 12112 Brookhurst St, Ste 11, Garden Grove, CA 92840. 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 fees pursuant to Section 2102 of the California Financial Code.
• Error Resolution. You have the right to dispute errors in your Transaction if you believe that an error has occurred with your Transaction or you are dissatisfied with the Service. You have the right to dispute transaction errors within up to 180 days.
• Permitted Use: You may use the Services only for lawful purposes and in accordance with this Agreement. You agree not to use the Services in any way that violates applicable laws, regulations, or third-party rights.
• Prohibited Activities: You agree not to:
o Use the Services to transmit harmful, offensive, or illegal content.
o Attempt to gain unauthorized access to the Services or related systems and platfoms.
o Interfere with or disrupt the operation of the Services.
o Engage in any activity that could harm EZMonex or other users.
• Content Ownership: You retain ownership of any content you submit to the Services ("User Content"). By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, distribute, and display such content in connection with the Services.
• Content Moderation: We reserve the right to review, remove, or modify User Content at our discretion, without notice, if it violates this Agreement or applicable law.
• Account Termination: We reserve the right to suspend or terminate your account at our discretion, including violations of this Agreement or applicable laws, to withdraw or amend the Application, and any service or material we provide on the Application, in our sole discretion without notice, except as otherwise required by law. We will not be liable if, for any reason all, any part of the Application is unavailable at any time or for any period.
VIII. Intellectual Property
• Company Content: All content, trademarks, logos, images, text and intellectual property provided through the Services, excluding User Content, are owned by or licensed to EZMonex. You are granted a limited license to access and use our service for your personal, non-commercial use. You may not use, copy, or distribute such content without our prior written consent.
• Feedback: Any feedback or suggestions you provide about the Services may be used by us without obligation or compensation to you.
IX. Privacy
Your use of the Services is subject to our Privacy Policy, which explains how we collect, use, share and protect your personal information. By using the Services, you consent to such practices.
X. Termination
This Agreement starts at the time you provide your acceptance to the Agreement and shall stay in effect until terminated in accordance with the terms of this Agreement, including:
• By You: You may stop using the Services at any time. To delete your account, please contact us or follow the instructions provided in the Application.
• By Us: We may suspend or terminate your access to the Services at any time, with or without cause, including for any violations of the terms of this Agreement or any terms of our policies, by giving you at least 10 days’ notice or immediately.
• Effect of Termination:
o Upon termination, your right to use the Services will cease, and any provisions of this Agreement that should reasonably survive termination (e.g., intellectual property, limitation of liability) will remain in effect.
o Any termination of this Agreement does not relieve you of any obligations to pay any Service Fees or costs owed by you prior to the termination and any other amounts owed by you under this Agreement.
XI. Disclaimers
• As-Is Basis: The Services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.
• No Guarantee: We do not guarantee that the Services will be uninterrupted, secure, or error-free, or that any defects will be corrected.
XII. Limitation of Liability
• To the fullest extent permitted by law, EZMonex, our affiliates, and our respective officers, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the Services, even if advised of the possibility of such damage. • No waiver of the terms of the Agreement by EZMonex shall be deemed a further or continuing waiver of such term or any other term or condition, and any failure of EZMonex to assert a right or provision under the Agreement shall not constitute a waiver of such right or provision. • If any provision of these terms of the Agreement is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Agreement will continue in full force and effect.
XIII. Indemnification
You agree to indemnify, defend, and hold harmless EZMonex and our affiliates from any claims, liabilities, damages, or expenses (including reasonable attorneys' fees) arising from your use of the Services, your User Content, or your violation of this Agreement.
XIV. Governing Law and Dispute Resolution
• Governing Law: This Agreement is governed by and construed in accordance with the internal laws of the State of California without giving effect to any choice or conflict of law provision or rule (whether of the State of California or any other jurisdiction).
• Claims:
o If you have a claim against EZMonex and EZMonex has a claim against you, you and EZMonex both agree to discuss the claim informally for a period of sixty (60) days to explore possible resolutions. During this period, you and EZMonex agree that any applicable statute of limitations shall be tolled. This sixty (60) day period shall commence by the sending a Claim Notice, which should include a brief description of the alleged Claim and the facts and law supporting the alleged Claim to the other party. You agree that you shall send a notice to us at Attn: Legal, EZMonex, 12112 Brookhurst St, Ste 11, Garden Grove, CA 92840. Should EZMonex believe it has a Claim against You, EZMonex will notify you of that Claim by sending you an email to the email address provided in the Profile section of your Account.
o If you and EZMonex are unable to resolve the alleged Claim within sixty (60) days of our receipt of a Claim Notice, the party asserting the Claim may then commence arbitration or a small-claims action as described below.
o You and EZMonex agree that sending a Claim Notice and engaging in the informal dispute processes discussed above is a prerequisite to commencing any arbitration or small-claims action. Failure to comply with the Claim Notice requirement is grounds for dismissal of any arbitration or small-claim action.
• Limitation on Time to File Claims: Any cause of action or claim you may have to arise out of or relating to this Agreement, the application filling must be commenced within 180 days after the cause of action accrues, otherwise, such cause of action or claim is permanently barred.
• Dispute Resolution: Any disputes arising under this Agreement will be resolved by the American Arbitration Association (“AAA”) in accordance with its Commercial Arbitration Rules including the Optional Rules for Emergency Measures of Protection. You waive any right to participate in a class action lawsuit or class-wide arbitration.
XV. Changes to this Agreement
We may update this Agreement from time to time to reflect changes in our practices or legal requirements. We will notify you via Application, email or our website at least 15 days before significant changes take effect. Your continued use of the Services after such changes constitutes your acceptance of the revised Agreement. Check ezmonex.com for the latest version.
XVI. Miscellaneous
• Entire Agreement: The Agreement, our Privacy Policy and your receipt for any money transfer transactions constitute the sole and entire agreement between you and EZMonex regarding the Services, Application and your effecting money transfer transactions through the Application and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Application.
• Severability: If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
• Assignment: You may not assign your rights or obligations under this Agreement without our prior written consent. We may assign this Agreement at our discretion.
• Contact: For questions about this Agreement, please contact us at email support@ezmonex.com or phone number 1 (888) 837 6886 or mailing address 12112 Brookhurst St, Ste 11, Garden Grove, CA 922840.