Last Updated: January 18, 2018

CONSUMER FRAUD ALERT: PROTECT YOURSELF. BE CAREFUL WHEN A STRANGER ASKS YOU TO SEND MONEY. Notify us immediately if You believe Your password has been lost or stolen or if someone might be using it without Your permission.

1. THIS IS YOUR CONTRACT WITH US

This User Agreement is a contract that governs the terms and conditions under which You may access and use,

סּ Sigue Corporation’s website (www.sigue.com) and Sigue Corporation’s mobile applications (“collectively, the “Site”), and

סּ The Sigue on-line and mobile money transfer services (the “Service”).

The User Agreement is made between Sigue Corporation and You, and applies to the method of access (website or application) that You choose. It begins when You complete Your registration for the Service (the “Effective Date”) and continues until it is terminated by You or Us. We may change the User Agreement from time to time, but the changes will only be effective after the date on which they are made and will not change the terms on which You previously used the Service.

Please read this User Agreement and keep it for Your records. By visiting, accessing, registering with or using the Site or by using the Service, You agree to be bound by the terms and conditions of this User Agreement.

DO NOT USE THE SERVICE IF YOU DO NOT AGREE TO BE BOUND BY THIS USER AGREEMENT. IN THAT CASE, YOU MUST EXIT THE WEBSITE OR UNINSTALL THE MOBILE APPLICATION FROM YOUR DEVICE, AND NOT ACCESS THE SERVICE THROUGH ANY OTHER PLATFORM OR MECHANISM.

2. SOME IMPORTANT DEFINITIONS.

Throughout this User Agreement,

We” (and “Us and “Our”) refer to (and only to) Sigue Corporation, a Delaware corporation, and

You” (and “Your”) refer only to (and only to) the particular user of the Service who is visiting, accessing, registering or using the Site or otherwise using the Service.

In addition, these terms have the following meanings: "Destination Country" means the country in which the Recipient receives money through the Service.

Malicious Code” means computer viruses, trojans, software locks, drop-dead devices, malicious logic or trap door, worms, time bombs, corrupted files or other computer program routines that are intended to delete, disable, deactivate, damage, detrimentally interfere with, surreptitiously intercept or expropriate any systems, data, personal information or property of another.

Payout Agent” means the financial institution in the Destination Country that will be paying out the Total to Recipient to the Recipient.

Prohibited Purpose” means any unlawful purpose (whether such illegality arises in the country from which the funds are transferred or in the country where they are intended to be received, or in any territory with jurisdiction over the Sender or the Recipient) including, without limitation, the transfer or receipt of payment for illegal activities, the transfer of funds which constitute proceeds of crime or money laundering or which are obtained by illegal activity, the transfer of funds for the purpose of funding illegal activity, the transfer of funds for the purpose of avoiding the seizure of such funds by law enforcement authorities or under orders of any court of law, and any transfer of funds without the permission of their owner;

"Recipient" means someone who receives money through the Service.

"Sender" means someone who uses the Service to send money.

"Service Provider" means a local bank, money exchange house, or other third party service providers in a Destination Country with whom We work in providing the Service.

"Total to Recipient" means the amount that is paid out to the Recipient, after any foreign exchange conversion, and excluding foreign taxes and any third party fees charged within the Destination Country.

"Transaction" means a specific instruction to send money through the Service.

"Transfer Amount" means the amount of money that a Sender gives Us to send to the Recipient; it excludes the Transfer Fees and is calculated prior to any foreign exchange conversion.

"Transfer Fee" means the fee that We charge the Sender to send a Transaction.

Site” collectively means Our website (that is, www.sigue.com), and Our mobile applications.

3. OVERVIEW

a. The Service. We created the Service to provide customers with a fast, safe, and cost-effective way to send money to their families and friends in other countries. The Service enables You to transfer money to Recipients located in other countries in a currency other than United States Dollars (“USD”).

b. Accessing the Service. The Service is available through the internet by accessing our Our website, www.sigue.com, and via a mobile device, by downloading Our mobile application. For Apple devices You may download Our mobile application from the Apple App Store. For Android-powered devices You may download Our mobile application from Google Play.

If You access the Service through a mobile device, Your wireless service carrier may bill You for additional charges, such as fees for SMS and data services.

We recommend You save a copy of this User Agreement for Your records. You may save a copy by taking screen shots or by downloading it from www.sigue.com.

c. For Non-Commercial Use Only. The Service is limited to non-commercial person-to-person Transactions. We do not allow money transfers to or from business entities.

If We discover that You are using the Service to send Transactions to or on behalf of a business, company, or other entity (that is a “non-human” person), we may, in our sole discretion, cancel Your Transaction and close Your account. You acknowledge that We are not liable for Your use of the Service (in breach of this User Agreement) for commercial purposes, including all risks associated with the purchase of goods or payment for services of any kind, including any losses You may incur for undelivered or defective goods and services You pay for using the Service.

d. Licensed Money Transmitter. We are a licensed provider of money transfer services and all money transmission is provided by Us though Our licenses.

e. Fraud Prevention. For security reasons, We recommend that You only send money through the Service to people You know personally. You should not use the Service to send money to strangers. We will not be liable if You ask Us to pay someone who turns out to have defrauded You, or who fails to meet his or her obligations to You.

f. Not Available to Certain Users. The Service may not be available in whole or in part in different countries and jurisdictions as determined by local laws and regulations.

4. ELIGIBILITY AND REGISTRATION

a. Eligibility. You must be at least eighteen (18) years old to create a Sigue account and to access and use the Service, and You must be able to form legally binding contracts under applicable law. Also, You must be a resident of the United States and reside in one of the 50 states or Puerto Rico, Other restrictions may apply.

b. Registration. You first must register with Us to use the Service, by creating a Sigue account. Your account consists of the information entered or collected in the course of signing up for the Service and any information You subsequently add or update.

c. Information that is Needed. To create an account, You must submit certain information, including Your name, email address, text-enabled mobile telephone number, street address and zip code. In connection with Your account or a specific Transaction, We may also require You give us under some circumstances, among other things, Your date of birth, social security number, Your occupation, the source of the money, and a government-issued form of identification.

d. Usernames and Passwords. As part of the registration process, You will be asked to select a password. Your email address will serve as your username.

סּ You must use Your email address and password to initiate a Transaction;

סּ You acknowledge and agree that, for the purpose of Your Transactions, Your password has the same effect as Your written signature;

סּ You agree to assume the entire responsibility at all times for the supervision, management, control and confidentiality of Your password;

סּ You agree that You will not divulge Your password to any other person; and

סּ You agree that You will not use another person's password.

If You (in breach of this User Agreement) give your password to another person, You will be deemed to have authorized that person to use Your password for any and all purposes, without limitation, and, to the fullest extent permitted by law, You will assume the entire risk for fraudulent or unintentional use of Your password. We will not have any responsibility or liability to You or any other person for any losses or damages which You or anyone else may suffer if You disclose Your password to any other person, including any losses or damages arising out of the Recipient’s disclosure of Your password to another person.

e. Inquiries. You hereby authorize Us, directly or through third parties, to make any inquiries We consider necessary to validate Your identity and to authenticate Your identity and account information. This may include asking You for further information and documentation about Your account usage and identity, and requiring You to take steps to confirm ownership of Your email address, mobile telephone number or financial instruments, and verifying Your information against third party databases or through other sources.

f. Additional Requirements. In relation to Your registration and use of the Service You: סּ Must provide Us with accurate, current, complete and true evidence of Your identity and any additional information or evidence We may require to confirm Your identity;

סּ Must supply Us with all information and documentation We may ask to process Your Transaction and to comply with the legal requirements applicable to Us;

סּ Must update all information You provide Us to keep it accurate, current, complete and true;

סּ Must not use the Service for or in connection with any Prohibited Purpose;

סּ Must not attempt to tamper, hack, modify, overload, or otherwise corrupt or circumvent the security or functionality of the Site, or to infect it with any Malicious Code; or copy or monitor our Site using any robot, spider, or other automatic device or manual process;

סּ Must not use an anonymising proxy (a tool that attempts to make activity untraceable), or software browser to mask or conceal your IP address in order to make activity and access untraceable;

סּ Must not submit a Transaction to transfer money on behalf of another person;

סּ Must not open more than one account with Us. Multiple registrations are prohibited. You may register only once, and each user must maintain a separate account. If We detect multiple active registrations for a single user, We reserve the right to merge or terminate the registrations and close Your accounts.

סּ Must use the Service only to send money to people that You know personally.

סּ Authorize Us to receive Your mobile subscriber details from Your mobile carrier for identity verification. Those details may include name, billing address, email, and phone number.

g. Location Based Services. Information concerning the location of Your mobile device may be used to assess Your location at any time You are logged into the Site. Your location information will not be disclosed to others except as necessary to process Your Transaction and to ensure that it is secure. You expressly agree that You authorize Us to collect and use Your location as necessary to effect, administer, or enforce Your Transaction.

5. SENDING A TRANSACTION

a. Initiating a Transaction. To start a Transaction, You must log on to Your account, using Your username (which is your email address) and password (which You create following Our password guidelines). Every time You submit a Transaction, You are placing an order for Us to process and payout a money transfer, which We may accept or reject at Our sole discretion.

b. Information Needed to Send a Transaction. You need to provide Us with the Transfer Amount, the Destination Country, the Payout Agent, and whether You want the Total to Recipient picked up in person by the Recipient or deposited into the Recipient’s account (that is, an “Account Deposit”). For Account Deposits, You also need to provide Us with the account number and the exact name appearing on the bank account. Also, You will need to specify the method by which You will be paying the Transaction Amount and Transfer Fee.

c. Recipient Information. We will also require You to provide certain information about the Recipient. This includes the Recipient’s full legal name and address, country, and (if available) the telephone number. Depending on other circumstances, including the amount of Your Transaction and the method for receiving the Total to Recipient, We may ask for additional information about the Recipient, including a copy of the Recipient's government-issued personal identification document and ID number.

d. Additional Information. Also, We may require additional information from You or from Your Recipient to process the Transaction. Depending on other circumstances, including the amount of your Transaction, We may ask for additional information such as a copy of Your government issued ID, Your social security number, Your occupation, and the source of the money being sent. Also, We may lawfully obtain information about You from other sources, including non-personally identifiable information that We may obtain while You visit the Site.

e. Receipt. Once We accept a Transaction from You for processing and payment, We will send You a receipt to confirms the Transaction, including the Transfer Amount, Total to Recipient, exchange rate, and expected date of delivery. For Transactions paid out to the Recipient in person, the receipt also includes a confidential confirmation number that You need to send to the Recipient for him or her to present at the time of payment.

We will send You the receipt by email, at the email address that You provided. Please note that, generally, email is not an encrypted medium and that email transmissions cannot be guaranteed to be secure or error-free, as information could be intercepted by third parties, or corrupted, lost, destroyed, arrive late, or be incomplete due to servers or network connections. We, therefore, cannot not accept liability for any errors or omissions in the contents of a receipt which arise as a result of email transmission.

g. Delivery Schedule. After We have verified Your identity, received proper debit card or bank authorization and completed the screening for proper compliance with the various applicable laws and regulations, the Transaction is promptly made available to the Recipient on or after the date indicated on the receipt for either in-person pick up at a Payout Agent location during normal business hours, or deposit into Recipient’s bank account in the Destination Country. The speed of payment of a Transaction varies depending on a variety of factors, including the amount of the Transaction, the restrictions of the Destination Country and the Payout Agent (including its hours of operation), and the accuracy of the information that You provided.

h. Limitations.

סּ We are not obligated to process any particular Transaction. We may, in Our sole discretion, choose whether or not to accept the offer to process Your Transaction. If We decide not to process Your Transaction, We will notify You promptly of that decision and repay any money that You paid to Us for the Transaction, unless We are prohibited by law from doing so.

סּ We reserve the right to modify or discontinue the Service or any part of the Service without notice, at any time and from time to time.

סּ We may, in Our sole discretion, refuse Transactions from certain Senders or to certain Recipients, including but not limited to those on restricted or prohibited lists issued from time to time by the US Government.

סּ We will attempt to process Transactions promptly, but any Transaction may be delayed or cancelled for a number of reasons including but not limited to: Our efforts to verify Your identity; to validate Your Transaction instructions; to contact You; or otherwise to comply with applicable law; or due to variations in business hours and currency availability.

i. Unlawful And Other Impermissible Use. You agree not to use the Service for any unlawful activity, including money laundering, the financing of terrorism, and other criminal activity. We reserve the right to investigate any suspicious activity or in response to any complaints or reported violations. When investigating those activities, We reserve the right to report suspected unlawful activity to any appropriate regulatory, law enforcement, or similar authority or person and to provide such authority or person any relevant information, including Your personal data.

6. PAYMENTS AND FEES.

To send a Transaction, You must pay Us the Transfer Amount that You wish to send to the Recipient and a Transfer Fee. Both the Transfer Amount and Transfer Fee must be paid in United States Dollars (USD).

a. Transfer Fees. We charge a Transfer Fee on every Transaction, which You are required to pay Us in addition to the Transfer Amount. Both are due at the time when You initiate Your Transaction. The Transfer Fees do not include any fees that Your bank or the Recipient’s bank may charge, which may be deducted from Your payment (in the case of Your bank) or the Payment Amount (in the case of Recipient’s bank). The Transfer Fee is displayed prior to the time that You initiate Your Transaction.

b. Other charges:

(1) Some states may assess taxes on Your Transactions. These taxes will appear on Your receipt.

(2) The Recipient may receive less due to taxes and additional non-covered third party fees charged within Destination Country and may receive less due to taxes charged by the Destination Country.

(3) In addition, there may be some costs of which We may be not be aware, such as, bank charges, fees or interest that Your bank or debit card service provider may assess, and fees charged by Your mobile service provider. Those fees and charges will not appear on Your receipt.

c. Method of Payment. You have two options on how to pay the Transfer Fee and Transfer Amount: (1) by debit card, or (2) from Your bank account.

1. By Debit Card. To send money using a debit card as Your source of funding, You must have a valid debit card issued by a U.S. based bank or financial institution bearing the Visa® or MasterCard® logo. You may not use prepaid debit cards or gift cards for the Service. By selecting the option of payment by debit card, You authorize Us to charge Your debit card for the Transfer Amount, the Transfer Fee, and any other applicable charges. We will process and complete Your Transaction only on the condition that the issuer of Your debit card has authorized the corresponding amounts, fees, and charges.

You are responsible for ensuring that the amount of the Transaction is within the designated limits of Your debit card account. If We execute the payment of a Transaction pursuant to Your order or instructions and subsequently are advised that Your selected debit card has insufficient funds available, You remain liable to Us for the full amount of the Transaction.

Please note that Your user agreement with the issuer of Your debit card governs Your use of that card. You must refer to that agreement to determine Your rights and liabilities as a cardholder, which may include cash advance or other fees.

2. By Bank Transfer. To send money from a bank account, You must have a U.S. bank checking, savings or money market account in Your name. You need to provide Us with Your name, exactly as it appears on the account, and the routing number for the account. By initiating a Transaction from a bank account, You affirm that You are the owner of the account and have authority to debit that account and initiate the Transaction from the account.

You authorize Us to initiate debit and credit entries to Your bank account in connection with the Service and to correct errors. This authorization will remain in full force and effect until We have received notification from You of its termination by telephone at 877-754-9777.

We will not be liable where (a) You do not have enough money available in Your account, (b) Your account is closed or withdrawals are restricted, (c) the Transaction exceeds any dollar or frequency limitations imposed by Your bank, or (d) Your bank does not honor a Transaction, does not process the Transaction, or returns the Transaction. You, however, remain liable to Us for the full amount of the Transaction.

7. CANCELLATION OF TRANSACTIONS AND REFUNDS.

You may cancel Your Transaction for a full refund of the Transfer Amount and Transfer Fee within 30 minutes of authorizing Your Transaction if the Total to Recipient has not yet been paid out to the Recipient or deposited into the Recipient’s account.

You may also receive a refund in certain circumstances as provided by law.

For California

RIGHT TO REFUND: "You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Sigue Corporation does not forward the money received from You within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by You within 10 days of the date of the receipt of the funds from You unless otherwise instructed by You. If Your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, You have a right to a refund of Your money. If You want a refund, You must mail or deliver Your written request to Sigue Corporation at 13190 Telfair, Sylmar, CA 91420. If You do not receive Your refund, You may be entitled to Your money back plus a penalty of up to $1,000 and attorney's fees pursuant to Section 2102 of the California Financial Code."

For Washington State Transactions:

We shall refund all moneys received for transmittal within ten days of receipt of a written request for a refund unless any of the following occurs:

a. The moneys have been transmitted and delivered to the Recipient prior to Our receipt of the written request for a refund;

b. Instructions have been given committing an equivalent amount of money to the Recipient prior to Our receipt of a written request for a refund;

c. We reason to believe that a crime has occurred, is occurring, or may potentially occur as a result of transmitting the money as requested by You or refunding the money as requested by You; or

d. We are otherwise barred by law from making a refund.

8. EXCHANGE RATE

a. FX Margin. If the Transaction is paid to a Recipient in a currency (the "Payout Currency") other than United States Dollars, a retail exchange rate may be applied, in addition to the Transfer Fee appearing on the face of Your receipt, and We will retain the difference between the currency exchange rate with which We buy the currency and the currency exchange rate which We use to convert the first currency (the “Transfer Amount”) into the second currency (the “Total to Recipient”). The Transfer Amount (in United States Dollars), the currency exchange rate that will be applied to Your Transaction, and the Total to Recipient (in the Destination Currency), will be displayed for Your confirmation and approval before You send the Transaction.

b. Exchange Rate Locked In. The exchange rate that is quoted when You initiate the Transaction will be locked-in only for a limited time. If You pay for a Transaction outside this time period, the rate may change, in which case You will have to confirm a new exchange rate prior to paying for the Transaction. For each Transaction, the exchange rate and Total to Recipient that You confirm and approve will be maintained for that specific Transaction, regardless of the specific day on which the money is picked up by or made available to the Recipient.

c. Currency Exchange. The Payout Agent must pay out the Transaction in the payout currency identified in Your instructions. If a Recipient desires payment of the Transaction in another currency, the Recipient and the Payout Agent must enter into a separate foreign exchange transaction to convert the Payout Currency into the Recipient’s currency of choice. That foreign exchange transaction is a separate transaction between the Recipient and the paying Correspondent only, and We have no responsibility for or liability in connection with that foreign exchange transaction.

9. PRIVACY

a. Review Privacy Notice. We will protect the privacy of Your information as detailed in Our on-line privacy policy. CLICK HERE to review the privacy policy. By agreeing to this User Agreement, You acknowledge and consent to Our privacy policy, which is incorporated by reference into this User Agreement.

b. Consent to Obtain Additional Information. By agreeing to this User Agreement, You authorize Us to contact You and other individuals, through any means, to make inquiries and request additional information to validate any information We have on our records. There inquiries may include, without limitation, the following: mobile phone number verification, account verification, and requests for additional personal information from Your mobile carrier, debit card issuer, and bank. We will maintain information that We collect about You in accordance with the applicable law. These rules currently require information collected to be saved for up to ten years following the closing of your account. We will not share the information collected with non-affiliate third parties without your knowledge and consent, except as otherwise authorized or required by law or any law enforcement agency.

10. SECURITY

We at Sigue take security very seriously, and We use state-of-the-art security measures to ensure that Your personal information remains secure. The Service is a safe and convenient way to send money to friends and family and to other people that You trust. However, We do advise You to consider very carefully before sending money to anyone that You do not know well. In particular, You should be very cautious of deals or offers that seem too good to be true: they may be scams. If You are aware of anyone or any entity that is using the Service inappropriately, please email Us using This email address is being protected from spambots. You need JavaScript enabled to view it.. Similarly, if You receive any emails, purporting to be from Us which You suspect may be "phishing" (fake) emails, please forward them to Us.

These are some things You can do to protect Your accounts, Your personal information, and Yourself from fraud.

סּ Never Disclose Personal Information. Unless You are completely sure of who You are communicating with (and who is asking for Your personal details), don’t tell! Apart from the loss of money, identity theft can have lasting impact on Your life.

סּ Do not give Your money to strangers, ever. Unless You know and trust the person requesting funds, don’t send it, don’t give it, and don’t let them know any information (like bank account details) that will give them access to it.

סּ If in doubt, check it out. If You ever receive a communication from an organization and You are not sure if its real, check it out. Contact the company or organization or person directly Yourself – do not use any links or numbers within the communication in question.

סּ If You receive a communication from a relative claiming to need money because he or she is in trouble, check it out. Contact another relative who can confirm the transaction.

A common scam using this method is called “phishing”. Phishing scams are designed to gain access to Your accounts or to get You to send money to the con artist. Confirm with the company directly before You do anything! Especially if You ever receive communication suggesting that:

סּ Your account has been compromised and new passwords must be entered and a link is provided for You to click.

סּ You need to pay fees or penalties or face service cut-off or retribution from the company (this tends to be popular with utility companies or government revenue agencies).

סּ You have won a prize (especially in a contest You don’t remember entering) but must pay tax or a fee up front before collecting the prize.

Scammers will play on Your sense of generosity, sympathy, or desire to “not be rude”. Never feel obligated to engage or discuss Your personal information with people You do not know or trust. You are completely within Your rights to say “NO”, hang up the phone, or delete the email or text message.

If You think You have been or might be a victim of fraud, or if You are aware of anyone or any entity that is using the Service inappropriately, please contact Us immediately by telephone at 800-385-3316 (toll free) or email, at This email address is being protected from spambots. You need JavaScript enabled to view it. or contact Your local law enforcement for help. If You receive any fake (phishing) emails purporting to be from Us, please forward them to Us at This email address is being protected from spambots. You need JavaScript enabled to view it..

From time to time, We may be sending You receipts and other communications by email, at the email address that You provided. Please note that email transmissions cannot be guaranteed to be secure or error-free, as information could be intercepted by third parties, or corrupted, lost, destroyed, arrive late, or be incomplete due to servers or network connections. We, therefore, cannot not accept liability for any errors or omissions in the content of a receipt or other communication which arise as a result of email transmission.

11. ERROR RESOLUTION AND COMPLAINTS

a. Error Resolution. You have right to dispute errors in Your Transaction. If You think there is an error, You must contact Us within 180 days, by telephone at 877-754-9777 or www.sigue.com

You may also contact us for a written explanation of your rights. Click here for more information regarding the procedures We follow for resolving errors.

b. Complaints. Please let us know if You have any problems with the Service or have any complaints, comments or would like further information or clarifications. You can contact us using the contact information identified in the previous section of this User Agreement.

c. State Specific Disclosures. Remitters from certain states may also consider the following:

סּ Alaska. If you have complaints or other concerns with respect to any aspect of the Service, You may contact the Alaska Department of Commerce, Community and Economic Development, Division of Banking and Securities, Money Service Businesses. The State of Alaska Department of Commerce accepts signed, written, complaints against money transmitter licensees, but does not accept complaints over the telephone or unsigned complaints by electronic mail. The Alaska Compliant Form can be downloaded from //www.commerce.alaska.gov/web/portals/3/pub/Complaint_Form.pdf. All correspondence regarding the complaint should be mailed to:

State of Alaska Division of Banking & Securities 550 W. 7th Avenue, Suite 1850 Anchorage, Alaska 99501

סּ Arkansas. If you have complaints or other concerns, You may contact the Arkansas Securities Department by mail, at Heritage West Building, Suite 300 201 East Markham Street Little Rock, Arkansas 72201-1692, or by telephone, at 1(501) 324-9260.

סּ California. Sigue Corporation is licensed as a money transmitter by the California Department of Business Oversight.

The Department of Business Oversight of the State of California encourages consumers to submit complaints if they believe a licensee has violated state law or acted improperly, or if they believe a company or person is conducting unlicensed activity. If You have complaints with respect to any aspect of our money transmission activities, You may contact the California Department of Business Oversight at its toll-free telephone number, 1-866-275-2677, by email at This email address is being protected from spambots. You need JavaScript enabled to view it., or by mail to Department of Business Oversight, Consumer Services, 1515 K Street, Suite 200, Sacramento, CA 95814.

Financial elder abuse occurs when people cheat elderly people out of their money or their property. California law defines elderly people as those who are aged 65 or older. Because the elderly are uniquely susceptible to being cheated as they grow older, California's legislature passed the Elder Abuse Act to provide a remedy and financial elder abuse lawsuits for elderly people who have been cheated. To report suspected elder financial abuse, You may contact Your local county Adult Protective Services Office, find Your local agency by calling 1(916) 651-5350. Abuse reports may also be made to Your local law enforcement agency.

 

סּ Colorado. Entities other than FDIC-insured financial institutions that conduct money transmission activities in Colorado, including the sale of money orders, transfer of funds, and other instruments for the payment of money or credit are required to be licensed by the Colorado Division of Banking pursuant to the Money Transmitters Act, Title 12, Article 52, Colorado Revised Statutes. If You are a Colorado resident and have a complaint about the Service or Us, please fill out the Complaint Form provided on the Colorado Division of Banking's website and return it and any documentation supporting the complaint via mail or email to the Division of Banking at:

Colorado Division of Banking

1560 Broadway, Suite 975

Denver, CO 80202

email: This email address is being protected from spambots. You need JavaScript enabled to view it.

website: www.dora.colorado.gov/dob

ALL consumer complaints must be submitted in writing.

Florida.

You may contact Sigue Corporation toll-free at 1-800-913-9599 to resolve any disputes that You may have. If You are not able to resolve a dispute directly with Us, You may file a complaint with the Florida Office of Financial Regulation, Division of Financial Institutions, Consumer Assistance Group, by mail, to 200 East Gaines Street, Tallahassee, FL 32399-0371 or by calling 1(850) 410-9800 or 1(850) 487-9687

Georgia.

Sigue Corporation is licensed by the Georgia Department of Banking and Finance. Our activity is licensed under the Georgia Sale of Checks Act.

Illinois.

Sigue Corporation is licensed as a Money Transmitter by the Illinois Department of Financial & Professional Regulation, and is authorized to provide the Service under the Illinois Money Transmitter Act, 205 ILCS 657.

If You have complaints or other concerns with respect to any aspect of the Service or Us, You may contact the Illinois Department of Financial and Professional Regulation toll free at 1-888-473-4858.

Maryland.

Sigue Corporation is licensed as a money transmitter by the Maryland Commissioner of Financial Regulation for the State of Maryland.

The Commissioner of Financial Regulation will accept questions or complaints from Maryland residents regarding Sigue Corporation (NMLS ID #915912) at Commissioner of Financial Regulation, Attention Complaint Unit, 500 North Calvert Street, Suite 402, Baltimore, Maryland 21202, or through its toll-free telephone number, at 1-888-784-0136.

Massachusetts (Massachusetts, Foreign Transmittal Agency, Lic/Reg # FT915912).

If You are a resident of Massachusetts and You have an unresolved complaint, You may contact the Consumer Assistance Section of the Massachusetts Division of Banks at (800) 495-2265 ext. 501 (outside of Massachusetts, call (617) 956-1500 ext. 501), or by sending a written complaint to the Division of Banks, 1 South Station, Boston, Massachusetts 02110.

Minnesota.

You may contact Sigue Corporation by email at This email address is being protected from spambots. You need JavaScript enabled to view it. to voluntarily disqualify Yourself from sending or receiving money transfers with Us. Your disqualification will last for one year, unless You request it be in effect for a longer period. You may also terminate the disqualification at any time upon written notice to Us.

Upon Our receipt of Your submission of the request, We will request that the Minnesota Department of Commerce Financial Institutions Division (“Division”) include Your name on Minnesota's "No Transmit List."

The Division may provide the "No Transmit List" to Us which lists individuals for whom We may not conduct money transmissions. For more on the "No Transmit List," (See section 53B.27, subdivision 3 of the Minnesota Statute)

New Hampshire.

The State of New Hampshire through the New Hampshire Banking Department certifies that a license to engage in business as a money transmitter is has been issued to Sigue Corporation.

You may contact Sigue directly to resolve any disputes you may have. If you are not able to resolve a dispute directly with Us, You may file a written complaint with the New Hampshire Banking Department. You may contact the Department as follows:

Telephone: (603) 271-3561 TDD Access: Relay NH 1-800-735-2964 Fax: (603) 271-1090 Mail: State of New Hampshire Banking Department, 53 Regional Dr., Suite 200, Concord NH 03301 Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

New York.

Sigue Corporation at 13190 Telfair Avenue, Sylmar, CA 91342, is licensed by the New York State Department of Financial Services (Lic#101984) to receive money for transmission and to transmit the same. New York customers can direct unresolved complaints to regulatory authorities at: Consumer Assistance Unit, New York Department of Financial Services, One Commerce Plaza, Albany, NY 12257; or toll free, at 1-877-BANK-NYS (1-877-226-5697); or by email at http://www.dfs.ny.gov/consumer/fileacomplaint.htm.

Texas.

Sigue Corporation is licensed under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking.

If You have a complaint, You may first contact Our customer service at 1(888) 318-0273. If You are a Texas resident and You still have an unresolved complaint regarding the Service, please direct your complaint to the Texas Department of Banking:

In person or US Mail, to Texas Department of Banking, Special Audits Division, 2601 North Lamar Blvd., Austin, TX 78705-4294 By telephone, to 1-877-276-5554 (toll free) By Fax, to 1-512-475-1313, or By email, to This email address is being protected from spambots. You need JavaScript enabled to view it.; Site Address www.dob.texas.gov

Washington.

Sigue Corporation is licensed in the State of Washington in accordance with the provisions of the Uniform Money Services Act, and is authorized to conduct the business of money transmission and currency exchange by and subject to regulatory oversight by the Washington Department of Financial Institutions.

You may contact Us directly to resolve any dispute you may have. If You and Us are not able to resolve the dispute, You may file a complaint with the Washington Division of Consumer Services by one of the following methods:

Online: www.dfi.wa.gov By Mail: WA DFI DCS | PO Box 41200 | Olympia WA 98504-1200 By Phone: 1(360) 902-8703 or 1(877) RING DFI (1(877) 746-4334) By Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

12. LIMITATION OF LIABILITY

a. NEITHER US NOR ANY OF OUR AFFILIATES, SUBSIDIARIES, SUPPLIERS, VENDORS, SERVICE PROVIDERS, NOR ANY OF OUR OFFICERS, AGENTS, PARTNERS, EMPLOYEES OR CONSULTANTS SHALL BE LIABLE TO YOU OR ANY THIRD PARTY (EXCEPT FOR CLAIMS UNDER SECTION 2102 OF THE CALIFORNIA FINANCIAL CODE ARISING FROM TRANSACTIONS ORIGINATING IN CALIFORNIA) FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, LOSS OF INCOME, GOODWILL, USE, LOSS OF DATA, FAILURE TO REALIZE EXPECTED REVENUES OR SAVINGS, OR ANY OTHER ECONOMIC OR PECUNIARY LOSS OR OTHER INTANGIBLE LOSSES, WHETHER BASED ON NEGLIGENCE, WILFUL MISCONDUCT, TORT, CONTRACT OR ANY OTHER THEORY OF LAW, OR FOR ANY DAMAGES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

b. WE FURTHER DISCLAIM ANY AND ALL LIABILITY FOR ANY GOODS OR SERVICES BOUGHT OR SOLD BY YOU THAT ARE SETTLED THROUGH YOUR PARTICIPATION IN THE SERVICE.

c. Furthermore, You agree that, except as provided by law, We do not accept responsibility for and are not liable for any:

סּ Failure to perform Your instructions as a result of circumstances which could reasonably be considered to be outside Our control;

סּ Malfunctions in communications facilities which cannot reasonably be considered to be under Our control and that may affect the accuracy or timeliness of messages You send Us;

סּ Losses or delays in transmission of messages arising out of the use of any internet, telecommunications, or mobile service provider or caused by any browser or other software which is not under Our control; and

סּ Errors on the Site or with the Service caused by incomplete or incorrect information that a third party or You provide Us. In the event that You provide an incorrect account number or other banking information, You may lose the Transfer Amount despite Our reasonable efforts to track and retrieve the misdirected funds.

d. Our total liability to You in the event of any losses or damages is limited to the Transfer Amounts and Transfer Fees that You sent Us.

13. DISCLAIMER OF WARRANTIES

IN PROVIDING THE SERVICE TO YOU, NEITHER WE NOR ANY OF OUR AFFILIATES, SUBSIDIARIES, EMPLOYEES, OFFICERS, DIRECTORS, AGENTS, SERVICE PROVIDERS OR SUBCONTRACTORS, MAKES ANY EXPRESS WARRANTIES OR REPRESENTATIONS TO YOU WITH RESPECT TO THE SERVICE EXCEPT AS SET OUT IN THIS USER AGREEMENT. ALL IMPLIED AND STATUTORY WARRANTIES AND REPRESENTATIONS, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY OR NON-INFRINGEMENT, ARE HEREBY EXPRESSLY DISCLAIMED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

14. CONSENT FOR ELECTRONIC DISCLOSURES

The Service is an electronic commerce relationship. To provide the Service to You, We must have Your consent to receive the required disclosures and documents that we would ordinarily provide in a paper format, such as receipts, pre-transaction disclosures, privacy notices and this User Agreement (collectively, “Disclosures”), in electronic format. IF YOU DO NOT WANT TO CONSENT TO RECEIVING THE DISCLOSURES ELECTRONICALLY, THEN YOU CANNOT USE THE SERVICE.

a. Electronic Signatures. By selecting the "I Agree" button, You are signing this User Agreement electronically. You agree that Your electronic signature is the legal equivalent of Your manual signature for the purpose of this User Agreement, Your Sigue account and Transactions, and Our privacy policies. By selecting "I Accept," You consent to be legally bound by this User Agreement's terms and conditions. You further agree that Your use of a Your mobile device to select an item, button, icon or similar act or action, or to otherwise provide Us instructions or in accessing or making any transaction regarding any agreement, acknowledgement, consent terms, disclosures or conditions constitutes Your signature (referred to as "E-Signature"), acceptance and agreement as if actually signed by You in writing. You also agree that no certification authority or other third party verification is necessary to validate Your E-Signature and that the lack of a certification or third party verification will not in any way affect the enforceability of Your E-Signature or any resulting contract between You and Us.

b. Electronic Disclosures.

Consent. To the fullest extent permitted by law, You consent to receiving the Disclosures in electronic format. Your consent will remain in effect until You withdraw it. By selecting the "I Agree" button, You acknowledge that You are able to retain copies of the Disclosures for Your records and accept the Disclosures in electronic format as reasonable and proper notice, for all legal purposes.

Withdrawal of Consent. You may withdraw Your consent to receive Disclosures in electronic format at any time. To withdraw Your consent, You must notify Us at This email address is being protected from spambots. You need JavaScript enabled to view it. or toll-free, at 877-754-9777. The notice will constitute notice of termination of Your registration with Us and may preclude Your use of the Service.

Access. Access to the Disclosures will be provided by way of the Internet. Your history of using the Service is available for viewing online from Your account on the Site. You may obtain the Disclosures in paper form without charge by printing them Yourself. If you require a printed copy of Your Transaction history, You can request this by emailing us at This email address is being protected from spambots. You need JavaScript enabled to view it..

Need to Update Email and Mobile Phone Number. To ensure that We are able to provide the Documentation to You electronically, You must notify us of any change in Your email or other electronic address and any change in Your mobile phone number.

15. INTELLECTUAL PROPERTY

a. We own the content, and all intellectual property contained in the Site and the Service, including all copyrights, patents, database rights, trademarks and service marks relating thereto. All right, title and interest in and to the Site and the Service shall remain Our property.

b. You are permitted to use the Site and the Service only for the purposes permitted by this User Agreement or described on the Site. You are authorized solely to view and to retain a copy of the pages of the Site for Your own personal use, but are not authorized to 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 Site or the Service, or any portion thereof, for any public or commercial use without Our express written permission. You may not: (1) use any robot, spider, scraper or other automated device to access the Site or the Service; or (2) remove or alter any copyright, trademark or other proprietary notice or legend displayed on the Site (or printed pages of the Site). The names Sigue Corporation®, Sigue®, and other names and indicia of ownership of Our products and services referred to on the Site are Our exclusive marks. Other product, service and company names appearing on the website may be trademarks of their respective owners. c. Your relationship is only with Us. You agree that no affiliate or agent of Ours owes You any duty of care when performing a task which would otherwise have to be performed by Us under this Users Agreement.

d. You agree to indemnify and hold Us and Our subsidiaries, affiliates, officers, directors, employees, agents, independent contractors, advertisers, partners, and co-branders from all loss, damage, claims, actions or demands, including reasonable legal fees, arising out of Your use or misuse of this Site or the Service, all activities that occur under Your password or account email login, Your violation of this Users Agreement or any other violation of the rights of another person or party.

16. GOVERNING LAW

This User Agreement is entered into in the State of California. Any claim or controversy arising out of or relating this User Agreement, including any claim arising in connection with Your use of the Service (collectively, a “Claim”) is governed by the laws of the United States and the State of California, without regard to conflicts or choice of laws principles, whether or not You live in California. All actions and proceedings arising from this User Agreement must be brought and venued in the State of California, County of Los Angeles and both You and We waive any right object to such courts or venue.

17. SEVERABILITY

If any provision of this User Agreement is held to be invalid or unenforceable, such provision will be deemed to be modified to the minimum extent necessary to make it valid and enforceable and the rest of this User Agreement will not be affected.

18. ASSIGNMENT

You may not transfer or assign this User Agreement to any other person without our prior written consent. We may assign our obligations to you under this User Agreement without Your consent or any prior notice.

19. MODIFICATION

We may modify this User Agreement or the Site from time to time without notice to You, except as may be required by law. You can review the most current version of the User Agreement at any time on the Site. You may terminate Your use of the Service and cancel Your registration and account if You do not agree with any modification or amendment. If You use the Service after the effective date of an amendment or modification, You shall be deemed to have accepted that amendment or modification. You agree that You shall not modify this User Agreement and acknowledge that any attempts by You to modify this User Agreement shall be void.

20. EXTERNAL LINKS

Any external links to third-party websites on the Site are provided as a convenience to You. These sites are not controlled by Us and We are not responsible for the accuracy, completeness, legality or any other aspect of these other sites, including any content provided on them. YOU access such websites at your own risk.

21. ENTIRE AGREEMENT

This User Agreement, the Site, Privacy Policy and receipts, and any document expressly referred to in any of them, constitute the entire agreement between You and Us and supersedes any previous discussions, correspondence, arrangements or understandings between You and Us.