Terms and Conditions
Effective Date: 2025.04.07
These Terms and Conditions (hereinafter referred to as "Terms & Conditions") govern your use of Usend’s services and products, including credit card issuance and remittance services (the "Services"), provided in collaboration with licensed third-party providers. By using our Services, you agree to these Terms & Conditions. Please read them carefully before accessing or using our platform.
1. Introduction
1.1 By using Usend’s Services, you acknowledge and agree to these Terms & Conditions.
1.2 You must be at least 18 years of age to use Usend’s Services. By using our Services, you confirm that you meet this age requirement.
1.3 Usend reserves the right to amend these Terms & Conditions at any time with prior notice to users.
2. Definitions
2.1 "Account" means the user’s account with Usend.
2.2 "Payment Instrument" refers to credit cards or other payment tools issued by Usend in collaboration with Partners.
2.3 "Remittance Service" refers to the transfer of funds from the user’s account to a recipient.
2.4 "Third-Party Provider" refers to licensed entities that facilitate Usend’s credit card issuance and remittance services.
2.5 "Transaction Fee" means the fees charged for using Usend’s Services.
3. Scope of Services
3.1 Services are delivered by licensed Partners and governed by their terms in addition to these Terms & Conditions.
3.2 Usend acts solely as an intermediary and does not assume liability for Partner-provided services.
4. Account Registration and Maintenance
4.1 To use Usend’s Services, you must register an account and provide accurate and complete information.
4.2 You are responsible for maintaining the confidentiality of your account credentials and for any activities conducted under your account.
4.3 Usend reserves the right to suspend or terminate accounts for breach of these Terms & Conditions or applicable laws.
5. Credit Card Services
5.1 Credit cards issued through Usend are provided by licensed financial institutions.
5.2 Cardholders must comply with the issuing Partner’s terms and conditions, including usage restrictions, fees, and repayment obligations.
5.3 Usend facilitates applications and management of credit cards but is not liable for users disputes.
6. Remittance Services
6.1 Usend enables local and international money transfers in partnership with licensed remittance providers.
6.2 Users must ensure accurate information is provided for remittance transactions. Usend is not responsible for delays or losses due to user errors.
6.3 Transaction fees and currency exchange rates are determined by Partners and disclosed prior to transaction confirmation.
6.4 Remittance services are subject to compliance with anti-money laundering (AML) regulations and Know Your Customer (KYC) requirements.
7. Fees and Charges
7.1 Transaction fees for credit card and remittance services are disclosed during transactions.
7.2 Usend reserves the right to adjust fees with prior notice to users.
7.3 Users are responsible for any additional charges imposed by third-party service providers.
8. Confidentiality and Data Protection
8.1 Usend shall ensure the confidentiality of user data.
8.2 By using Usend’s Services, you consent to data sharing with Partners.
9. User Responsibilities
9.1 Users must use Usend’s Services for lawful purposes only.
9.2 Users shall not engage in activities that compromise the security or functionality of Usend’s platform.
9.3 Users must report unauthorized transactions or account breaches to Usend immediately.
10. Liability
10.1 Usend is not liable for losses resulting from:
Actions or omissions of third-party service providers.
User errors in transaction details.
Unauthorized access due to user negligence.