Email: info@baexpressusa.com

TERM & CONDITIONS

ALL TRANSACTIONS ARE SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS, YOUR SIGNATURE ACKNOWLEDGES YOUR ACCEPTANCE OF THE TERMS.

All Money transfer services and payment of funds will be made by Licensee in accordance with the law. We are not responsible for delay or failure to effect payment due to causes beyond our control or as permitted by law. The maximum amount per transfer is $10,000 U.S. Multiple transfer paid for in cash exceeding $10,000 and sent or received in the U.S. and its territories will be reported to the Internal Revenue Service in accordance with the currency and Foreign Transactions Reporting Act of 1970.

Delivery:

The expected time of delivery of the transfer is between one(01) to seven(07) days excluding weekends. Licensee is not responsible for any delays in the transfer of funds resulting from incomplete or inaccurate information provided by you or caused by the recipient and/or related to compliance obligations or due to hours of operation, holidays, etc. at the depository bank or correspondent payer designated by you.

Payment in Currency:

Generally, payments will be made in the currency of the destination country. United states currency (USD) is converted to foreign currency at an exchange rate set by Licensee. However, in certain countries, where such service is available, payments can also be made in USD or other alternate currency upon your instruction. In addition to service fees Licensee makes money from foreign currency exchange.

Refunds:

REFUNDS OF PRINCIPAL AMOUNT and cancellation of the Money Transfer will be made upon written request of the Sender if payment to the Receiver has not yet been made at the time the request is processed by BA Express USA Inc Corp. ("BA Express USA Incexpress.com") . Refunds will be made within 45 days of receipt of a valid written request from the Sender. REFUNDS OF FEES will be made upon written request of the Sender if the Money Transfer is not available to the Receiver within the time specified by BA Express USA Inc Corp. ("BA Express USA Incexpress.com") for the selected service, subject to the business hours of the location selected by the Receiver for payment and other special conditions. Refunds will be made within 45 days of receipt of a valid written request from the Sender.

Liability Limited: In no event shall Licensee be liable for damages for delay, non-delivery, nonpayment or underpayment of this money transfer or any supplemental message whether caused by negligence on the part of its Employees or Agents or correspondents, beyond the principal amount of the money transferred.

Privacy Policy: We do not disclose any non-public personal information about our customers except as permitted and require by law.

Errors:

If you believe there has been an error or problem with the transfer, you have the right to dispute such errors within 180 days of the transaction. We will respond to your request to investigate the matter within 90 days after you contact at 1-718- 565-5052 or send us mail to BA Express USA Inc Corp., Head office: 37-17 74 th st (1 st floor) Jackson Heights, NY-11372 or email to rupaliex@gmail.com

Complaints:

In addition to contacting Licensee, unresolved complaints may be directed to the New York State Department of Financial Services, One State street, New York-10004, Telephone at 1-877- 226-5697, www.dfs.ny.gov or the Consumer Financial Protection Bureau, (855) 411-2372/(855) 729-2372 (tty/tdd), www.consumerfinance.gov, CONSUMER@BANKING.STATE.NY.US