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Terms & conditions

Effective Date: 04-26-2017

Welcome to SafePal! These Terms and Conditions govern your use of our website and services, including money transfers, saving plans, and investments. By accessing or using our services, you agree to these terms. Please read them carefully.

1. Acceptance of Terms

By using SafePal, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree, please refrain from using our services.

2. Eligibility

To use our services, you must:

  • Be at least 18 years old or the age of majority in your jurisdiction.
  • Provide accurate and complete information during registration.
  • Comply with all applicable laws and regulations.

3. Services Provided

SafePal offers the following services:

  • Money Transfers: Facilitate secure transfers within the USA and globally.
  • Saving Plans: Access structured saving plans to help you achieve your financial goals.
  • Investments: Explore various investment options provided through our platform.

We reserve the right to modify, suspend, or discontinue any service without prior notice.

4. User Responsibilities

By using our services, you agree to:

  • Maintain the confidentiality of your account credentials.
  • Use our services only for lawful purposes.
  • Refrain from engaging in fraudulent or abusive activities.

5. Fees and Charges

Effective Date: 04-26-2017

Welcome to SafePal. These Terms and Conditions ("Terms") govern your use of our website and services, including money transfers, saving plans, and investments. By accessing or using SafePal, you agree to these Terms. Please read them carefully.

1. Agreement to Terms

By using SafePal’s services, you agree to comply with these Terms and all applicable laws and regulations. If you do not agree, you must refrain from using our services.

2. Definitions

  • “SafePal” refers to the company providing financial services, including this website and associated applications.
  • “Services” means the money transfer, saving plans, investments, and any other financial services provided by SafePal.
  • “User” or “You” refers to any individual or entity accessing SafePal’s services.

3. Eligibility

To use SafePal services, you must:

  1. Be at least 18 years old or the age of majority in your jurisdiction.
  2. Have the legal capacity to enter into a binding agreement.
  3. Provide accurate and truthful personal and financial information during registration.
  4. Not be barred from using our services under applicable laws.

4. Registration and Account Security

  1. Account Creation: You must create an account to access most SafePal services.
  2. Accurate Information: You agree to provide accurate, complete, and up-to-date information during registration and to update such information when necessary.
  3. Account Security: You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account. Notify us immediately if you suspect unauthorized access.

5. Services Overview

  1. Money Transfers: SafePal allows users to send and receive money domestically and internationally.
  2. Saving Plans: Users can participate in structured savings programs for short- and long-term goals.
  3. Investments: SafePal offers access to various investment opportunities.
  4. Other Services: Additional services may be provided from time to time and will be governed by these Terms.

6. Fees and Charges

  1. Fee Disclosure: Fees for money transfers, saving plans, and investments are disclosed prior to each transaction.
  2. Responsibility for Fees: You are responsible for all applicable fees, charges, and taxes associated with your use of our services.
  3. Fee Changes: SafePal reserves the right to modify fees and will provide notice of any changes.

7. Use of Services

  1. Prohibited Activities: You agree not to:
    • Use our services for unlawful or fraudulent purposes.
    • Attempt to access systems or data without authorization.
    • Provide false or misleading information.
  2. Compliance with Laws: You must comply with all applicable local, national, and international laws when using our services.

8. Transactions

  1. Verification: All transactions are subject to identity verification and fraud prevention checks.
  2. Accuracy: You are responsible for ensuring that all transaction details are accurate. SafePal is not liable for errors caused by incorrect information provided by you.
  3. Transaction Limits: SafePal may impose limits on the amount or frequency of transactions.
  4. Delays and Cancellations: Transactions may be delayed, canceled, or refunded due to regulatory requirements, risk assessments, or other factors.

9. Saving Plans

  1. Plan Enrollment: You may enroll in various savings plans offered by SafePal, subject to eligibility criteria.
  2. Contributions: Contributions to savings plans must be made in accordance with the plan’s terms.
  3. Withdrawals: Withdrawals from savings plans may be subject to restrictions or penalties.

10. Investments

  1. Risk Disclosure: Investments involve risks, including the potential loss of principal. SafePal does not guarantee specific returns.
  2. Suitability: You are responsible for determining whether an investment is suitable for you.
  3. No Advisory Services: SafePal does not provide financial, legal, or tax advice.

11. Privacy and Data Protection

  1. Privacy Policy: Your use of SafePal is subject to our Privacy Policy.
  2. Data Security: We implement advanced security measures to protect your data. However, we cannot guarantee absolute security.
  3. Third-Party Sharing: We may share your information with trusted third parties as outlined in our Privacy Policy.

12. Intellectual Property

  1. Ownership: All content, trademarks, and intellectual property on SafePal are owned by SafePal or its licensors.
  2. Restrictions: You may not reproduce, distribute, or use SafePal content without prior written consent.

13. Limitation of Liability

  1. SafePal is not liable for:
    • Losses resulting from unauthorized access to your account.
    • Delays, interruptions, or errors in services.
    • Indirect, incidental, or consequential damages.
  2. Force Majeure: SafePal is not responsible for failures caused by events beyond our control, such as natural disasters or cyberattacks.

14. Termination of Services

  1. By SafePal: We may suspend or terminate your account for violations of these Terms or applicable laws.
  2. By You: You may close your account at any time, subject to settlement of any outstanding obligations.
  3. Effect of Termination: Termination does not release you from obligations incurred prior to termination.

15. Dispute Resolution

  1. Arbitration: Any disputes will be resolved through binding arbitration in [Insert Jurisdiction].
  2. Governing Law: These Terms are governed by the laws of [Insert Jurisdiction], excluding its conflict of law provisions.
  3. Class Action Waiver: You agree to resolve disputes individually and waive any right to participate in a class action lawsuit.

16. Changes to Terms

SafePal reserves the right to update these Terms at any time. Changes will be posted on this page, and continued use of our services constitutes acceptance of the updated Terms.

17. Contact Us

If you have any questions or concerns, please contact us at:
Email: info@SafePalportfolio.com
Address: 1207 S. Lewis Ave Suite C Tulsa, OK 74104

Thank you for choosing SafePal. By using our services, you agree to these Terms and Conditions.

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