dimoo Terms & conditions

3.1 You agree that you will not access, use or attempt to use the Money Transfer Service to provide any Instructions unless you are at least 18 years old, and that you have the legal capacity to form a binding legal contract in any relevant jurisdiction.

3.2 You agree that for each Transaction Request that you submit, you will pay us the Service Fee in addition to the Transaction Amount. Payment becomes due at the time that you submit your Transaction Request. To the maximum extent permitted by law, the Service Fee is non-refundable unless expressly stated in these Terms and Conditions. If you submit a Transaction Request that results in dimoo becoming liable for charges including but not limited to chargeback or other fees, you agree to reimburse us for all such fees.

3.3 in connection with your registration and use of the Service, you will: (i) provide us with true, accurate, current and complete evidence of your identity, and promptly update your personal information if and when it changes; (ii) provide us with any identity documentations as may be requested by us; (iii) provide us with details of one or more Payment Instruments; (iv) provide us with true, accurate, current and complete information as we indicate on the website is required to receive the Service and any other information which may be required in relation to the Recipient; and (v) provide us with any other information that must be provided for a Payment Instruction to be properly executed, either when you are preparing the Payment Instruction on our App, or if we contact you for additional information relating to the Payment Instruction.

3.4 You must make every effort to keep your log in details safe and prevent unauthorised access to the Service by:
3.4.1 Changing your Password regularly and ensure that it is not reused for other services.
3.4.2 Contacting us (see the Contact details section from dimoo website) if anyone asks you for your Password
3.4.3 Keeping your e-mail account secure. Let us know immediately if your email address becomes compromised.
3.5 You agree that we may apply a convenience fee for processing credit cards in certain jurisdictions at our discretion.

3.6 You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the dimoo Services or any Instruction being conducted through the dimoo Services.

3.7 You agree that when you pay a Transaction Amount in one currency and the Payout Amount is in another currency, there will be a difference between the exchange rate at which we buy foreign currency and the exchange rate provided to you. dimoo and its Service Providers usually make a small profit in these circumstances. We guarantee you the Payout Amount in local currency. The margin taken on foreign currency exchange covers our risk in guaranteeing this. If a recipients’s account is denominated in a currency other than the currency you instructed us to make payment in there may be delays, additional charges or different exchange rates. the Sender is therefore responsible for ensuring that the currency requested for the Transaction matches the currency of the account where the funds are to be delivered.

3.8 Contact us if you suspect your log in details have been compromised. If you suspect your log in or other security credentials are stolen, lost, used without your authorisation or otherwise compromised, you must contact us (at the details in the Contact section below) immediately; you are also advised to change your Password. Any undue delays in notifying us may affect the security of your data (including your Payment Instrument) and also result in you being responsible for financial losses.

3.9 You agree that you must not share your username and Password with anyone else.

3.10 You agree that we do not accept any liability for loss or damages to you or any third party resulting from non-payment or delay in payment of a Payout Amount to a Recipient or failure to perform a Transfer under the Service if you are in serious breach of your obligations listed in this Clause 3, or if the foregoing non-payment, delay or failure is caused by a Service Provider or a local or global partner.

3.11 When you are using the Service under this Agreement, it is your responsibility to make sure all the details are accurate before submission. You will be given the opportunity to confirm Payment Instructions before submission and you must check the details carefully. The total amount that you will be required to pay, including the Service Fee and the relevant exchange rate, will be displayed clearly on the App before you are asked to confirm your Payment Instruction

3.12 Others might impose taxes, fees or charges on you, e.g. for use of a particular Payment Instrument to fund a Transfer. These may include, but are not limited to, unauthorised overdraft fees imposed by banks if there are insufficient funds in your bank account and/or the issuer of your chosen Payment Instrument charging you a fee when you pay us.

3.13 Others might impose taxes, fees or charges on the Recipient, e.g. to withdraw the Payout Amount, a Service Provider may charge a withdrawal fee. We may offer you the option of sending additional funds to cover the cost of that fee. Whether you choose to pay that fee is entirely optional.

3.14 Both you and the Recipient will only act on your own behalf. You may not submit a Payment Instruction on behalf of someone else.

3.15 In using the dimoo Services you will comply with this Agreement as well as any applicable laws, rules or regulations. It is a breach of this Agreement to use the Service to send Transfers in connection with illegal activity including but not limited to money-laundering, fraud and the funding of terrorist organisations.

3.16 When using the Service or when interacting with us, with another user or with a third party (in relation to the Service), you will not:
3.16.1 breach this Agreement, or any other agreement between you and us.
3.16.2 create more than one registration without our prior written permission.
3.16.3 provide false, inaccurate, or misleading information; or 3.16.4 refuse to provide confirmation of any information you provide to us, including proof of identity, or refuse to co-operate in any investigation.

3.17 If you think someone may be using your log in details or other security credentials without your permission, you must notify us immediately by contacting us at the details in the Contact website page.

4.1 You agree that we may apply limits to the amount you are able to send to Recipients. We may refuse any transaction Request, payment request or transaction at any time for any reason (or cancel it where relevant). we set out here some examples of when that may occur.

4.1.1 We may, in our absolute discretion, refuse or cancel payment requests or transactions where we believe that the dimoo money Transfer Service is being used, whether by you or the recipient, in furtherance of illegal, fraudulent or Prohibited Activities.

4.1.2 We may, in our absolute discretion, refuse or cancel transaction or payment Requests or transactions from certain senders or to certain recipients, including but not limited to entities and individuals on restricted or prohibited lists issued from time to time by any government authorities, if we are required to do so by law, or where we have reason to believe processing the payment requests would violate anti-money laundering or counter-terrorism financing laws and regulations. We may refuse to process a transaction funded from certain payment instruments where we have reason to believe the security of the payment instrument has been compromised or where we suspect the unauthorised or fraudulent use of the payment instrument.

4.1.3 We may, in our absolute discretion, refuse or cancel transaction/payment requests or transactions if dimoo believes you are using the dimoo Money Transfer Service to purchase goods or services from third parties you do not know or trust.

4.1.4 We may, in our absolute discretion, refuse or cancel transaction requests or payment requests if: (a) dimoo is unable to verify your identity; (b) dimoo is unable to verify the identity of the recipient; (c) You do not comply with information requests pursuant to clause 4.4; or (d) dimoo reasonably believes you are using the Money Transfer Service, or allowing it to be used, in breach of these Terms and Agreements or any Applicable Laws, rules or regulations.

4.2 Where dimoo has refused or cancelled a transaction request, transaction or payment request, dimoo may also, at its discretion, temporarily or permanently suspend your Registration. Where dimoo temporarily or permanently suspends your registration, or refuses or cancels a transaction Request, payment request or a transaction in accordance with this clause 4, dimoo shall be entitled to retain any Service Fees already incurred.

4.3. In order to comply with our obligations under relevant laws, we reserve the right to ask for further information or evidence relating to the purpose of a transaction or payment request.

5.1 To the extent permitted by law, once we have received your Payment Instruction, we will execute the Transfer immediately and you do not have the automatic right to revoke it (or change the details of the Payment Instruction). We will treat a Payment Instruction as received from you at the time that instruction is actually received by us, which will normally be at the time you confirm a Payment Instruction, whether or not that is during business hours.Some of our Services allow you to upload, submit belongs to you stays yours.

5.2 You can request a refund of a Transfer within thirteen (13) months of the Transfer occurring if:
5.2.1 Someone made a payment instruction without your permission; or
5.2.2 We fail to send a Transfer on time to the right recipient account and for the right amount, as indicated on your confirmed payment instruction.

5.3 We will also refund a Transfer if required by law, or if the issuer of your payment instrument requires it.

5.4 However, we may refuse your request for a refund if we can show that:
5.4.1 you have acted fraudulently
5.4.2 you intentionally or with gross negligence did not take all reasonable steps to keep your log in details or other security credentials secret
5.4.3 you are asking for a refund of a Transfer that took place before you told us that your log in was being misused
5.4.4 the Recipient received the money into their account at the Service Provider; or
5.4.5 there was a mistake in the Recipient’s account details which you gave us.

5.5 If you wish to request a refund, you should do so immediately and in any event no later than thirteen (13) months after the Transfer occurred. A request for a refund must be submitted in writing (including by email) to one of the contact points listed in the Contact section below, giving the Sender’s full name, address, and phone number, together with the Transfer tracking number, Send Amount, and the reason for your refund request.

5.6 If we have executed the Transfer in accordance with the instructions you have provided to us, and that information proves to have been incorrect, we are not liable for the incorrect execution of the Transfer. We will however make reasonable efforts to recover the funds. We may charge you a reasonable fee, reflective of our efforts, to do so.

5.7 Any refunds will be credited back by default to the payment instrument or account used to fund the Transfer, in the same currency used to fund the Transfer.

6.1 Customer Identification Program. Financial institutions are required to assist in the fight against money laundering activities and the funding of terrorism by obtaining, verifying, and recording identifying information about all customers. We may therefore require you to supply us with personal identifying information relating to you and the Recipient and we may also legally consult other sources to obtain information about you and the Recipient.

6.2 Verification and Checks. We will verify your residential address and personal details in order to confirm your identity. We may also pass your personal information to a credit reference agency, which may keep a record of that information. Be assured that this is done only to confirm your identity, and that we do not perform credit checks and therefore your credit rating will be unaffected. We may also need to verify the identity of a Recipient in the same way. All information provided by you will be treated securely and strictly in accordance with all Applicable Laws. By accepting these Terms and Conditions you authorise us to make any inquiries we consider necessary to validate the information that you provide to us. We may do this directly, for example by asking you for additional information, or requiring you to take steps to confirm ownership of your Payment Instruments or email address; or indirectly, for example by verifying your information against third party databases or through other sources.

6.3 Data Privacy Policy. We will always process your personal information in accordance with applicable law. You acknowledge that the law permits us to process your personal information in the way we do because the processing is necessary for the purposes of the legitimate interests we pursue, which include (among others): providing the Money Transfer Service, the verification purposes set out in clauses 6.1 and 6.2, the purposes set out in clause 6.4, preventing money laundering or terrorist financing, and/or the other purposes set out in dimoo’s Privacy Policy. You also acknowledge that we may use such data to enable us and our authorised third parties to communicate with you always in compliance with applicable law and dimoo’s Privacy Policy, and for statutory, accounting and archival purposes, in accordance with the terms of dimoo's Privacy Policy. dimoo’s Privacy Policy can be found in dimoo website.

6.4 Government Disclosures. We may be required by law to provide information about you, your use of the dimoo Money Transfer Service and your Instructions to government or other competent authorities as described in our Data Privacy Policy.

6.5 Recipient information. dimoo may, as necessary in providing the Money Transfer Service, store all information required of a Recipient to prove his or her identity or associated with their specific Instruction. Such proofs may include a suitable form of valid, unexpired identification from a list of acceptable papers provided by the Service Provider, and/or a transaction tracking number, a payment informations, a personal identification number, and other similar identifiers and informations to authenticate and logged in the user.

6.6 Confidentiality. You agree to keep any document, correspondence, information or other material that you receive from us, whether in or hard copy or electronic format, strictly confidential, and not to disclose any such material without dimoo’s prior written consent, unless otherwise expressly provided in such material or unless you are expressly required to disclose such material under applicable law or regulation

6.7 The dimoo app and the Services, the dimoo website, the content, and all intellectual property relating to them and contained in them (including but not limited to copyrights, patents, database rights, trademarks and service marks) are owned by us, our affiliates, or third parties. All right, title and interest in and to the dimoo website and the Service shall remain our property and/or the property of such other third parties.

6.8 The dimoo app and the Services may be used only for the purposes permitted by this Agreement or described on the website. You are authorised solely to view and to retain a copy of the pages of the dimoo app for your own personal use. You may not duplicate, publish, modify, create derivative works from, participate in the transfer or sale of, post on the internet, or in any way distribute or exploit the dimoo website, app, Services or any portion thereof for any public or commercial use without our express written permission. You may not: (i) use any robot, spider, scraper or other automated device to access the app or the Services; and/or (ii) remove or alter any copyright, trademark or other proprietary notice or legend displayed on the dimoo website (or printed pages of the website). The name “dimoo” and other names and indicia of ownership of dimoo’s products and/or services referred to on the dimoo website are our exclusive marks or the exclusive marks of other third parties. Other products, services and company names appearing on the website may be trademarks of their respective owners, and therefore you should not use, copy or reproduce them in any way.

6.9 You acknowledge that this Agreement shall be entered into electronically, and that the following categories of information (“Communications”) may be provided by electronic means:
6.9.1 this Agreement and any amendments, modifications or supplements to it;
6.9.2 your Transfer History through the Service;
6.9.3 any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by law;
6.9.4 any customer service communications, including without limitation communications with respect to claims of error or unauthorised use of the Service; and
6.9.5 any other communication related to the Service or us.

6.10 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 at the details in the Contact section below.

6.11 Copy of Agreement: This Agreement is available for you to review at any time via the App or on our website. We will email a copy of these terms to you when you first register for the Service. You can also ask us to email you a copy of these terms (including any modifications) at any time.

6.12 Transfer History: Each month, we will email you at the email address you have provided, notifying you that your monthly Transfer History is ready for viewing via the App. You may also download the Transfer History from the App for your own records.

6.13 Security: If we have to contact you because of a suspected or actual fraud or security threat, we will do it by calling or texting your mobile number or email address

7.1 Where we have materially breached this Agreement causing a loss to you, we will refund you the Send Amount and any Service Fee charged. Any claim for compensation made by you must be supported by any available relevant documentation.

7.2 If any loss that you suffer is not covered by a right to payment under Clause 5, we expressly limit our liability for that loss to the greater of: (i) the amount of any Service Fee that was paid to us; and (ii) €200. This liability cap applies to any single Transfer, act, omission or event and to any number of related Transfer, acts, and omissions or events.

7.3 We do not, in any event, accept responsibility for damages as a result of:
7.3.1 any failure to perform the Service as a result of circumstances which could reasonably be considered to be due to abnormal and unforeseen circumstances outside our reasonable control, which may for example include delays or failures caused by problems with another system or network (including those of our Service Providers), mechanical breakdown or data-processing failures;
7.3.2 us meeting our obligations under any applicable laws, rules or regulations; or
7.3.3 errors on the website or with the Service caused by incomplete or incorrect information provided to us by you or a third party.

7.4 Notwithstanding anything in this Agreement to the contrary, we shall not be liable under any theory of tort, contract, unjust enrichment, strict liability or other legal or equitable theory for lost profits, lost revenues, lost business opportunities, exemplary, punitive, special, incidental, indirect or consequential damages, each of which is excluded by us, regardless of whether or not we had foreseen, or could have foreseen, or has been advised of, the possibility of such damages.

8.1 We can make a change to this agreement for any of the following reasons:
8.1.1 because of a change in legal or regulatory requirements;
8.1.2 if the change benefits you;
8.1.3 to reflect a change in our costs of providing you with the Service;
8.1.4 in response to possible risks to the security of your use of the Service; or
8.1.5 to respond to any other change that affects us, if it is fair to pass on the effects of the change to you.
8.2 We may make reasonable and proportionate changes for any other reason we cannot foresee, for example to respond to changes in our industry that affect how we wish to deliver our Service to you.
8.3 We will tell you about a change to this Agreement at least one (1) months before it takes effect. You may object to the change before it takes effect, which will end the Agreement. If you do not object to the change, we will take that as your acceptance of the change.
8.4 You will be notified of any upcoming changes to this Agreement via announcements sent to the email address you have provided.

8.5 This Agreement will continue until you or we terminate it.
8.6 You can terminate this Agreement free of charge, at any time our customer-support team is open, by contacting us at the details in the Contact section below.
8.7 We can terminate this Agreement and your access to the Service at any time, with one (1) months’ notice.
8.8 We can terminate this Agreement your access to the Service without prior notice if:
8.8.1 we reasonably believe you are using the Service fraudulently or illegally; or
8.8.2 we have to do so by law.
8.9 We will inform you of a termination as soon as it can, if the law allows us to do so.
8.10 In the event of termination, we will cease processing any further Payment Instructions upon receipt of the notice of termination, but will continue processing Payment Instructions that were submitted and are still pending prior to such receipt. Your payment obligations to us will survive the termination of this Agreement.

9.1 If you have a complaint related to your use of the Service, please email us at the details in the Contact section below. We will acknowledge receiving your complaint within 5 business days.

9.2 We will do our best to resolve your complaint as soon as possible, and send you a final response by email within 20 days of receiving the complaint. If, in exceptional circumstances, for reasons beyond our control, we need more time to respond, we will send you a holding reply within 15 days of receiving your complaint to let you know when you will receive our final response. The final response will be no later than 35 days from the date on which we first received your complaint.

9.3 As well you may be able to submit your complaint via the European Commission’s Online Dispute Resolution platform, which can be found at http://ec.europa.eu/consumers/odr/.

10.1 Governing Law: This Agreement is governed by Senegalese or French law. Any dispute between you and us in connection with the Service and/or this Agreement may be brought in the courts of France.

10.2 No Third Party Rights: This Agreement does not give rise to any rights under the Contracts (Rights of Third Parties) Act 1999 (or any other equivalent legislation) to enforce any term of this Agreement.

10.3 Waiver: No waiver of any provision hereof will be effective unless made in writing and signed by the waiving Party. The failure of any Party to require the performance of any term or obligation of this Agreement, or the waiver by any Party of any breach of this Agreement, will not prevent any subsequent enforcement of such term or obligation or be deemed a waiver of any subsequent breach of this Agreement.

10.4 Transfer of rights: You may not transfer any of your rights or obligations under this Agreement. We may transfer, assign, and/or novate this Agreement and/or any of our rights under this Agreement at any time without your consent. This does not affect your right to terminate this agreement under Clause 8.

10.5 Entire Agreement: This Agreement constitutes the entire agreement between the Parties and supersedes all prior understandings, agreements, or representations by or between the Parties, or any of them, written or oral, with respect to the subject matter of this Agreement.

10.6 Severability: If any provision of this Agreement is held invalid, illegal or unenforceable, the validity, legality and enforceability of the remaining provisions will not be affected or impaired in any way, and you agree to accept a replacement of such invalid, illegal and unenforceable provision with a valid, legal and enforceable provision that achieves, to the greatest lawful extent under this Agreement, the economic, business and other purposes of such invalid, illegal or unenforceable provision.

The best way to contact us for any issue is to send email at terms@dimoo.ai. You may also call us at:

• Senegal: +33643112097

• France: +33643112097

• Other country in Africa: +33643112097

• Other country in Europe, Asia and USA: +33643112097 ‍