Terms & Conditions.


1.1. FASTPAYFX Remittances Services is provided by FASTPAYFX INC. ("we" or "us") through a network of agents, partners, or other permitted entities ("Agents"). These Terms and Conditions, along with the terms on this website used in connection with FASTPAYFX Service to which these Terms and Conditions may be included, constitute the entire agreement ("Agreement"). The Agreement governs your access to and use of FASTPAYFX, including any content, functionality and services offered on or through the www.fastpayfx.com domains, subdomains or sub-directories, regardless of your means of access and use (whether online or mobile, including by way of mobile application), whether as a guest or a registered user.

1.2. This Agreement and FASTPAYFX Service allow you to send money (a "Transfer") to the person named on your transfer form (the "Recipient") and allows them (i) to receive into their bank account (our "online to account" service). These terms and conditions apply to both services except where we say they apply to only one of them.

1.3. You must set up a "Profile" to use FASTPAYFX Service. When setting up your profile you will be required to enter your personal information, a "User ID" (which is your email address and is used for identification purposes and to login to your Profile) and a password. For any consecutive Transfers you can use your existing Profile using your User ID and password to login. All information provided by you shall be stored in your Profile, and shall be maintained by us or our "Service Providers" (any company or companies engaged by us or our contractors to provide FASTPAYFX Service) based upon the information supplied by you.

1.4. By using, or attempting to use, FASTPAYFX Service in any capacity, you are acknowledging that you (i) accept the terms of this Agreement and (ii) have read all terms relating to the Transfer and all information as described in the sign up form. You must indicate your consent to this Agreement by ticking both the Terms and Conditions box and the "SUBMIT" button and ensuring all sections have been fully and accurately completed. If you do not, we may not be able to send the money. You must contact us by phone or email if any of the information you provide changes before the Recipient collects or receives the money.

1.5. You cannot send a Transfer on behalf of a third party.

1.6. We do not offer our services in all countries. You can call us, visit our website or ask an Agent to find out the availability of our services and addresses and opening times of locations offering the services.

1.7. We may communicate with you electronically (for example, by email) unless we are required by law or regulatory requirements to communicate in another way.

If you do not wish to receive communications electronically, you may not use FASTPAYFX Service.

1.8. You agree to promptly update your records if your email address or other contact information in your Profile changes (otherwise we may write to you using an old address). Follow the instructions on our website to update your Profile.


2.1. You agree to use the FASTPAYFX Service only for lawful purposes. You may not use the FASTPAYFX Service to conduct gambling activities or any illegal activity. We have the right to terminate your Profile and to stop (or reverse) any Transfer if we reasonably believe, you or the Recipient are using FASTPAYFX Service for any illegal or gambling purposes or if: (a) your debit or credit card payment is blocked or reversed; (b) the Transfer would be unlawful or break this Agreement. You agree that neither FASTPAYFX nor any Agent or Service Provider will be held responsible or liable to you or any other person for such action except as required by law or regulatory requirements.

2.2. We may report suspicious activity to appropriate law enforcement organizations or other government agencies.


3.1. You must pay us the fee stated in your transfer summary sheet. We will not charge you any other fee for the Transfer. For each Transfer you initiate, you authorize us (or anyone authorized by us) to take payment from your debit or credit card, mobile wallet for the Transfer amount, plus a fee, that shall be charged to you for initiating the Transfer (the "Consumer Fee"). Please note that in addition to the Consumer Fee applicable to a Transfer, a currency exchange rate may also be applied.

3.2. If paying by credit card, your credit card will be charged as soon as we accept your request for the Transfer. If you are paying by debit card and there are insufficient funds in your account, your financial institution may charge you a fee and your bank may also allow the payment by way of an unauthorized overdraft on your account and charge a fee and interest.

3.3. The financial institution that provides you with your debit or credit card may impose fees in connection with your payment for a Transfer. Fees imposed by your financial institution or by any other person not directly a party to the Transfer, such as the Recipient's financial institution, will not be reflected on the webpage containing information regarding the Transfer that you can print ("Receipt") for your Transfer. In addition, it is possible that other taxes or costs may apply to the Transfer that are not imposed by us or paid through us.

3.4. If a Transfer is not authorized by you, we will immediately issue a refund unless one or more of conditions (a), (b) or (c) below apply. You will not be responsible for the Transfer unless: (a) it can be proven that you have acted fraudulently; (b) you did not tell us that your Profile security details (including username and/or password) had been or might be misused before the payment was made, and it can be proven that you have been grossly negligent in not keeping those details safe or you deliberately did not keep them safe; or (c) you have failed to keep your Profile security details safe without being grossly negligent.

3.5. If you are not liable for a payment, and we cannot collect it from your debit or credit card, or the payment is reversed, we will have no further liability to you.

3.6. You can only send money in a certain currency or currencies. Our website will specify which pay-out currency is available in the Receive Country and (if different to the currency in which you pay us) what exchange rate will apply. Your chosen currency, the agreed exchange rate and the converted amount will be stated in the online form and in the Receipt.


4.1. There are limits on the amount you are able to send. We will, as necessary, tell you what they are. We may refuse to send the money or allow it to be collected if we reasonably believe that: (a) by doing so we might break any law, regulation, code or other duty that applies to us; (b) doing so may expose us to action from any government or regulator; or (c) it may be linked with fraudulent or illegal activity.

4.2. Unless the law prevents us, you can call us and we will tell you the reasons for our refusal and how you can put right any errors that led to our refusal. If you prefer (and the law allows), or if the law requires, we will return the money to you.


5.1. We will pay the Receive Amount to the Recipient in accordance with your instructions unless you notify us otherwise. If you wish to cancel this Agreement for a Transfer, you can call us or contact us via FASTPAYFX support ticket and request a refund of the Transfer amount. We aim to process such requests promptly but, in any case, within 30 days.

5.2. If you cancel this Agreement, we will generally reimburse any payments which you made to us before exercising your right of cancellation, but: (a) we may not reimburse the Consumer Fee as a reflection of the costs already incurred by us except when the cancellation is due to an error by FASTPAYFX; or (b) we will not reimburse you if we have paid the Receive Amount to the Recipient before we get your notice of cancellation.

5.3. For an online Transfer, if the Transfer was not made properly or did not arrive, we will promptly refund the money and the Consumer Fee if appropriate after investigating the circumstances surrounding the execution of the Transfer.

5.4. We not be liable where you have not met your obligations in condition 8.3 and the money is paid to someone who gave the Agent what it reasonably believed to be valid identification for the Recipient ("Identification"). Identification will typically comprise a passport or other government issued identification document (the requirements differ depending on which country the Transfer is made to - you can find out what the requirements are from an Agent or our website to comply with our KYC checks.


6.1. A Transfer made in conjunction with the initial application for a Profile will be delayed until your identity and funding information has been fully confirmed by FASTPAYFX.

6.2. Due to circumstances beyond our control such as exchange control regulations of the Receive Country, Transfers to certain destinations may be subject to delay or to restrictions imposed under the laws of the Receive Country.


7.1. If you make a Transfer and the Transfer amount has not been collected by the beneficiary within 90 days, we will treat the Transfer as no longer capable of execution (an "Expired Transfer"). We will have no obligation, after that 90 day period, to execute an Expired Transfer.

7.2. If an Expired Transfer occurs, we will attempt to contact you so that you can arrange for a refund of the amount of the Expired Transfer. If you become aware that a transferred amount has not been collected please contact us to ask for a refund.


8.1. In order to collect the money and complete a Transfer, the following must be provided: (i) Identification; (ii) the Recipient's details from the transfer form;

(iii) the Sender's name; and (iv) the Transfer amount.

8.2. For certain Transfers (depending on the Receive Country and amount – contact us for the details), the reference number given to you at the time of the Transfer may also be required to receive the money.


7.1. Records of your Transfers will be posted in your Profile section of our website. You may access the record at any time by logging in to your account.


10.1. You should regularly check for information about Transfers on your credit or debit card statements, and you must contact us AT ONCE at the contact details given on this website if you need to query any Transfer made through the FASTPAYFX. If you call us we may ask you to follow up with details in writing within 10 working days.


11.1. This Agreement constitutes the entire agreement between you and us regarding the use of the FASTPAYFX , and supersedes any prior agreements between you and FASTPAYFX to the extent that they might otherwise apply to FASTPAYFX. Otherwise, any such other agreements remain in full effect in accordance with their terms.

11.2. If you believe a Transfer was not made properly or did not arrive, you must call or write to us as soon as you reasonably can inquire into the status of the Transfer. We will not refund money to you under conditions 3.4, 5.3 or 9.3 if you unduly delayed telling us about the problem and in any event told us more than 13 months after instructing us to send the money.

11.3. We are not liable to you for more than the amount of money you send and our fee. We will not be liable for any incidental, indirect, special or consequential losses or costs you suffer or, as this Agreement is made with you as a consumer, any business losses or costs (such as loss of business profits or opportunities).

11.4. FASTPAYFX is for persons 18 years and over and may not be used for escrow or trust or gambling purposes, and may only be used for a lawful purpose. Please also read the fraud warnings on the form. If you ask us to pay someone who turns out to have defrauded you, or who fails to meet their obligations to you, we will not be liable as a result.

11.5. A person who is not a party to this Agreement shall not have any rights to enforce this Agreement.

11.6. Nothing in this Agreement limits our liability for acting fraudulently or very carelessly or otherwise excludes or limits our liability to the extent that we are unable to exclude or limit it by law.


12.1. We will report money transfers to any government authorities if we are required to do so by law.

12.2. If a Transfer was not made properly or never arrived, we will investigate and do what we can to find the destination of the money (and call or write to tell you of the outcome) if you ask us to. Where there was a mistake in the Recipient's details you gave us, we will make a reasonable effort to recover the money.

12.3. The Transfer and use of FASTPAYFX does not involve you or the Recipient having a "deposit" or a banking account with FASTPAYFX.

12.4. Philippine law applies to this Agreement (and to our dealings with you with a view to entering into this Agreement) and the Philippine courts shall have non- exclusive jurisdiction for any disputes. In the event of any conflict between the English version of the Agreement and any translated version of the Agreement, the English version of the Agreement shall govern and we will communicate with you in English.


13.1. We may, without notice (except as required by law) and without liability to you, terminate or suspend your access to FASTPAYFX at any time, including without limitation, if: (a) you attempt to Transfer or charge funds from an account that does not belong to you or from an account which does not have sufficient available funds or has expired, or if you are paying by credit card, there is an insufficient available line of credit; (b) your financial institution attempts to charge back a Transfer on the basis of a dispute related to a Transfer; (c) you provide incorrect or false information about yourself, your debit or credit card details or about a Recipient; (d) you attempt to tamper, hack, modify or otherwise corrupt the security or functionality of FASTPAYFX; (e) we receive conflicting claims regarding ownership of, or the right to withdraw funds from a debit or credit card account; (f) you have breached a term or condition of this Agreement, or any representation or warranty that you make under this Agreement is false; (g) we determine that your Profile is inactive; (h) we believe that the Transfer may expose us to action from any government or regulator. We may without liability to you, terminate or suspend your access to FASTPAYFX at any time and for any reason by giving you 30 days' notice.

13.2. To close your Profile, contact Customer Service through the Website. If we close your Profile for any reason, we may, in our sole discretion, cancel your pending Transfer requests.


14.1. We may process your and the Recipient's personal information and the details of your Transfer on our systems in order to provide you and the Recipient with FASTPAYFX and to prevent fraud. We may also obtain information about you from reputable reference sources as part of our identification verification processes and other servicing of your relationship with us (including the administration of your account, protection from fraudulent activity, market research, special promotions, and sending you information about our services) as permitted by applicable law. You hereby appoint us to provide your details and explicit consent to your mobile network operator and their authorized data sources so that they can provide further information about you to us, including (if available), your name, address, email and device data for these purposes. You also warrant that you have the Recipient's consent to share their personal information with us.

14.2. We may, for the above purposes, share the collected personal information with our parent, affiliates, agents, or service providers, any of whom may be in a country other than your own. We will not share the information with anyone else except as permitted or required by law or regulation.

14.3. You may request access to your personal information, ask for the information to be corrected or updated, or withdraw your consent for marketing use at any time by e-mailing us at hello@fastpayfx.com or calling us at +63 995 7722220. Please allow at least 4 weeks for processing of your request.

14.4. By completing the transfer form, you agree to our collection, use and Transfer of your and the Recipient's personal information for the above purposes. Our Privacy Statement describes how we collect, protect, use and disclose your personal information and is available at fastpayfx.com. We have a legal obligation to process personal data for the purposes of the prevention of money laundering and terrorist financing.


15.1. We are committed to ensuring that you receive high quality service from us. In the event that you are dissatisfied with FASTPAYFX or believe an error has occurred with your Transfer, please contact us as soon as possible. For full details of our complaint’s procedure or consumer protection advice, or to submit a complaint, you can:

• call us on our phone number +639957722220

• visit our website www.fastpayfx.com and submit a ticket;

• write an email to hello@fastpayfx.com or

• write to us at Dr1 RTTS Bldg., CM Recto Ave., Gusa, Cagayan de Oro City, Philippines 9000

15.2. We will deal with your complaint promptly and fairly. We will try our best to resolve your complaint at the first opportunity. In case we feel we need more time to resolve your complaint, we will send you an acknowledgement within five working days and send you a final response letter within 8 weeks of receipt of your complaint.


16.1. The name FASTPAYFX and other names, trademarks and service marks on this site are the property of FASTPAYFX or other third parties and may not be used or copied without prior written permission from the FASTPAYFX Compliance Department. All communication, postings, and uploads to this site become the exclusive property of FASTPAYFX. You may not reproduce, reverse engineer, disassemble, modify or create derivative works from the site. You may not remove any copyright, trademark or other intellectual property or proprietary notice or legend contained on this site or its content.