TERMS & CONDITIONS

Any single transfer or multiple transfers paid in cash in excess of $10,000 US, 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. It is understood and agreed that when the transfer is made by check or other instrument, the transfer shall be effected only after Chang Express becomes satisfied of its availability of sufficient funds to cover such check or instrument. Any complaints may require five business days to resolve and extra fees may be charged for client error. Complaints will not be accepted 180 days after the date of the receipt. Chang Express shall not be responsible for nonperformance or loss of damage by reason of or resulting from: failure to locate, or accepted for variance or service delays due to operational factors, local regulations or causes beyond control of Chang Express. In no event shall Chang Express be responsible for any incidental or consequential damages. Under no circumstance shall Chang Express be liable for more than the principle amount transferred and its respective fees in the event of delay, non-delivery, the principal amount of the payment and service fee shall be refunded to the Sender only upon the written request of the sender and the approval of cancellation from the correspondent. These Terms and Conditions cannot be changed, modified or discharged orally or in writing.
Unresolved consumer complaints may be mailed to the Division of Banks of your state, and or to Chang Express, Customer Relations, 192 Broadway, Somerville, MA 02145, or call

1-800-760-8898

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