1. CONTRACT FORMATIONS AND OVERVIEW

1.1 These Terms and Conditions govern the terms under which you may access and use this website and the services associated with it (together, the "Service"). By accessing, registering with and using the Service, you agree to be bound by the terms of the Terms and Conditions. If you do not wish to be bound by the Terms and Conditions do not access, register with or use the Service. The language of these Terms and Conditions is English and all Services, instructions and transactions carried out in connection with it shall be in English. 1.2 In these Terms and Conditions, the terms "Rhemito", "we", "us", and "our" refer to Rhemito.com, together with its employees, directors, affiliates, successors, and assigns.

Rhemito™

is a trading name for Funtech Global Communications Ltd UK company registration number 07979772in England and Wales, with its registered office at Clarendon House, 125 Shenley Road, Borehamwood, Herts, WD6 1AG. Funtech is Authorised and Regulated by the Financial Services Authority (FCA) under the Payment Service Regulations 2009 for the provision of payment services. Registration details: FRN: 609261 MLR NO: 12803115 1.3 The terms "you" and "your" refer to users of the Service, whether in their capacity as Senders, Recipients, or visitors to this website. 1.4 These Terms and Conditions are effective from 11 February 2016. The Terms and Conditions may change from time to time, but changes will only be effective from the date they are made and will not change the terms on which you previously used the Service. 1.5 The Service was created to assist customers to send money to their family and friends, and to receive money from family and friends, around the world. For security reasons, we recommend that you only send money through the Service to people you know personally. You must not use the Service to send money to strangers for example sellers of goods and/or services, private or retail.

2. DEFINITIONS

In this Terms and Conditions: "Destination Country" means the country in which the Recipient receives money through the Service. "Local Taxes" means any taxes or charges payable in the Destination Country. "Payment Instrument" means a valid instrument of payment such as a bank account, debit card or credit card. "Payout Amount" means the amount paid out to the Recipient, after any foreign exchange conversion and excluding Local Taxes. "Recipient" means someone who receives money through the Service. "Sender" means someone who uses the Service to send money. "Service Fee" means the fee plus any additional charges applicable to each Transaction. "Service Provider" means a local bank, money exchange house, or other third party service providers in the Destination Country with whom Rhemito works in providing the Service. "Transaction" means a specific instruction to send money through the Service. "Transaction Amount" means the amount of money that the Sender wishes to send to the Recipient, excluding any applicable fees and prior to any foreign exchange conversion.