Terms and Conditions for AYA® Online Money Transfer Services

IT IS IMPORTANT FOR YOU TO READ AND UNDERSTAND OUR TERMS AND CONDITIONS BEFORE YOU ACCEPT THEM. THEY CONTAIN LIMITATIONS ON THE SCOPE OF OUR OBLIGATIONS TO YOU, AS WELL AS LIMITATIONS AND EXEMPTIONS FROM OUR LIABILITY TO YOU FOR DAMAGE THAT YOU MAY SUFFER AS THE RESULT OF AYA® ONLINE MONEY TRANSFER. THE RESPECTIVE PROVISIONS ARE HIGHLIGHTED IN BOLD.

Our Terms and Conditions use the following definitions:

a.     "Bank Card" refers to a Visa® or MasterCard® credit card, or a debit card;

b.     “Business Day” refers to a day that is not a Saturday or Sunday and on which banks are open for general business in Vienna;

c.     "Card Issuer" refers to the issuer and the owner of a Bank Card;

d.     "Payment Method” refers to the options available to the Sender to fund a money transfer through the AYA Online Money Transfer Service, which may vary from country to country and may include bank card, bank account and other payment methods.

e.     “Prohibited Purpose" refers to any unlawful purpose; including but not limited to, making or receiving payments for gambling services, gambling chips or gambling credits; or to sending a payment to yourself as the Receiver in order to evidence financial soundness (RISK OF FRAUD); or creating more than one profiles; or sending or receiving money on behalf of someone else.

f.     "Receiver" refers to the person named as the beneficiary of the money transfer (regardless as to whether this transfer was initiated by a Sender via the AYA® Online Money Transfer Service or by a person through another AYA® Online Money service);

g.     "Sender" refers to the person who initiated a money transfer through the AYA® Online Money Transfer Service;

h.     "Transaction" refers to every money transfer that you initiate through the AYA® Online Money Transfer Service;

I.     "AOMT", "We", "Our" or "Us" refers to AYA Online Money Transfer Ltd. registered in England under Registration number 12965742 and in regard to Clause 9 of the provisions to the agreement and in references made to “Negligence or Fraud on Our behalf” also includes AYA® Online Money Transfer affiliates or agents insofar as these assume operations which otherwise would have to be performed by AOMT in order to provide the AYA® Online Money Service;

j.     "AYA® Online Money Transfer Service" refers to money transfer services which we provide through the https://aya-omt.co.uk Website or the AOMT Mobile Application;

k.     "AOMT Website" or "Website" refers to the Website which we operate in order to provide money transfer services and to the AOMT Mobile Application; and

l.     "You”, “Yours” or “Your" refers to every and any person using the AOMT Website as a Sender.

1.              ABOUT US

1.1.     The AYA® Online Money Transfer Service is offered by AYA Online Money Transfer Ltd. (“AOMTS”) in cooperation with AYA Online Money Transfer Ltd. is an England limited liability company with registered offices at Gannock House, 15 Church Street, Tempsford. Bedfordshire. SG19 2AN under the Companies House and Registration Number 12965742 .

1.2.     Customers may obtain information about the addresses and hours of operation of the agents and local representatives by calling this telephone number: Or can contact us direct on our local number located on our web site or by sending us an email or send message on our website.

Agents can also be contacted at our hot direct +44 762 400 1771; or by email sent to info@aya-omt.co.uk.

1.3.     Middle East Region is subject to the supervision of the AYA Online Money Transfer Ltd. by Middle East at our hot direct +961 7172 4040; or by email sent to east@aya-omt.co.uk.

2.              OUR SERVICES

2.1.     AYA® Online Money Transfer Service offers money transfer services nationally and internationally. You must be at least 18 years old to use the AYA® Online Money Transfer Service and you must have your habitual residence with you. Each money transfer is given an individual transaction number, the Money Transfer Control Number or "MTCN".

2.2.     By completing and consenting to the information required to make a money transfer and by accepting these Terms and Conditions, the Sender instructs AOMT to execute a specific money transfer. Every individual money order constitutes a separate agreement between AOMT and the Sender which is limited to the execution of a specific money transfer. At no moment in time is a framework agreement concluded between yourself and us which obligates us to execute individual and subsequent money transfers. The Sender shall inform the Receiver of the money transfer accordingly.

2.3.     Subject to statutory or regulatory requirements, we undertake to make funds available for collection by the Receiver at the latest at the end of such Business Day following the Business Day on which the funds were received (“Day of Receipt”). The moment of receipt is such moment when we receive the funds to be transferred and the fees associated with said transfer. For money transfers instructed in paper form the period extends by a further Business Day.  

2.4.     For money transferred (i) to a state outside the local country or (ii) subject to a multiple currency conversion between the local currency and a non-local currency at a local currency exchange price or (iii) which is not to be paid out in different currencies, the funds are made available for collection by the Receiver at the latest at the end of the fourth Business Day after the Day of Receipt.

2.5.     For regular money transfers the funds are normally available for collection in minutes, subject to the business hours of the respective agent location. For some countries, the service may be delayed or other restrictions may apply. If you require further information, please contact the telephone number stated in Item 1.2 of these Terms and Conditions.

2.6.     The AYA® Online Money Transfer Service provides various options to receive funds including cash at an agent location, direct to a bank account or to a mobile phone, where available. Where  funds are to be paid out in cash the Receiver must provide adequate proof of his or her identity in addition to all transaction details required by AOMT pertaining to the money transfer, in particular the name of the Sender, the country from which the money was sent, the name of the Receiver, the approximate amount of money transferred and any and all other conditions and requirements that are mandatory at the AOMT agent location for the funds to be paid out, such as the MTCN (Money Transfer Control Number). The payment of funds to be collected will be made to the Receiver that AOMT or its agent deems entitled to receiving the money following verification of the identification documents. Payments may even be effected if the transaction information provided by the Receiver contains minor mistakes. Neither AOMT nor its agents compare the address details of the Receiver. At certain payment locations the Receiver may be asked to provide proof of his or her identity or answer a test question or both in order to receive the funds. Test questions do not constitute an additional security feature and cannot be used to time or delay the payment of a money transfer and are prohibited in certain countries. For transactions to a bank account or to a mobile phone AOMT will transfer the funds to the account information provided by the Sender. In the event of an inconsistency between the holder of the account number (including mobile phone numbers for mobile phone accounts) and the name of the intended Receiver, the transfer will be credited to the account number provided by the Sender.

2.7.     Applicable law prohibits money transmitters from doing business with certain individuals or countries; AOMT is required to screen all Transactions against lists of names provided by the governments of the countries and territories in which we do business, including the US Treasury Department’s Office of Foreign Assets Control (OFAC) and the European Union. If a potential match is identified, AOMT researches the Transaction to determine if the name matched is indeed the individual on the relevant list. For this purpose, AOMT is entitled to request from the Sender or the designated Receiver additional details and proof of identification which may cause the Transaction to be delayed. This is a legal requirement for all Transactions processed by AOMT (including transfers that originate and terminate outside of the US).

2.8.     Transfer Fees: Written information explaining how AOMT charges the Sender for making a money transfer is available on the transactional AOMT Website and is shown to the Sender prior to completion of the payment order. The specific transfer fees for a money transaction are indicated in the “Send Money Online” field at https://aya-omt.co.uk. Simply select your destination country, enter the amount to be transferred and click on “Calculate”. The Sender shall bear all fees due to complete the money transfer unless applicable law in the destination country requires otherwise. In certain cases money transfer payments may be subject to local taxes and service charges. The Receiver may incur additional fees for receiving the Sender’s funds through an account-based money transfer, a mobile telephone or to a bank account. Money transfers should be sent to a local (Receiver’s) currency account, otherwise the receiving institution (where the Receiver has his or her account) may convert the funds at its own exchange rate or may even reject the money transfer. The Receiver’s agreement with his or her mobile phone service provider, mWallet account provider or other account provider governs the account and determines their rights, obligations, applicable fees, funds availability and account limitations. In the event of an inconsistency between the holder of the account number (including mobile phone numbers for mobile phone accounts) and the name of the intended Receiver, the transfer will be credited to the account number provided by the Sender. AOMT may charge additional fees associated with the use of an account for sending or receiving a money transfer. AOMT does not assume any liability pertaining to costs which the Sender or any account holder incur in conjunction with the exchange rate used for the conversion into non-local currencies or for actions or omissions on behalf of the destination or interim financial services provider.

2.9.     Foreign exchange

a.     Money transfer payments will normally be made in the currency of the destination country (in some countries payment is available only in an alternative currency). All currency is converted at AOMT’s then current rate of exchange. AOMT calculates its rate of exchange based on commercially available interbank rates plus a margin. Most exchange rates are adjusted several times daily in line with the relevant closing rates of global financial markets. The exchange rate for a money transfer is indicated to you at  after selecting the destination country in the “Send Money Online” field, entering the amount that you intend to transfer and clicking on “Calculate”.

b.     The currency will be converted at the time of the transfer and the Receiver will receive the foreign currency amount shown during the transfer process. However, in some countries local regulations require money transfers to be converted only when they are paid out. If the Sender is sending the funds to one of these countries, the exchange rate noted above is only an estimate, and the actual exchange rate will be determined at the time of payment. AOMT agents may offer Receivers the choice to receive funds in a currency different from the one the Sender selected. In such instances, AOMT (or its agents, the mobile phone provider, or account provider) may collect additional money when they convert the Sender’s funds into the currency selected by the Receiver. If the Sender chooses a payment currency different from the national currency of the destination country, the payment currency chosen may not be available at all payment locations in that country, or may not be available in small enough denominations to pay all of the money transfer. In such cases, the paying agent may pay all or part of the Sender’s money transfer in national currency. AOMT’s exchange rate may be less favorable than some publicly reported commercial exchange rates used in transactions between banks or other financial institutions. Any difference between the currency exchange rate offered to customers and the currency exchange rate received by AOMT will be kept by AOMT (and, in some instances, its agents, mobile phone provider, or account provider) in addition to the transfer fees. Additional information about exchange rates for specific destination countries can be obtained by calling the toll-free telephone number listed below or from Our Website.

2.10.     SMS – AOMT may offer free SMS notification in some countries to indicate (to the Sender) that the transferred funds have been collected by the Receiver or that funds are available for collection (to the Receiver). Charges applied by the telephone service provider are the exclusive responsibility of the Sender or Receiver. AOMT is not responsible for any charges associated with SMS messages. If permitted by applicable law, the SMS will be sent to the Sender’s and/or the Receiver’s mobile number provided at the time of transaction. AOMT will send SMS messages to a gateway for forwarding, however forwarding is the responsibility of third parties, and cannot be guaranteed. AOMT is not responsible for technical malfunctions that occur outside of its proprietary systems.

3.              OUR RESPONSIBILITY TO YOU

3.1.     We declare our willingness to provide to you the money transfer services and the respective information in accordance with these Terms and Conditions in the form of individual payments and to exercise reasonable care.

3.2.     We are not obliged to accept any instruction to execute any Transaction and we will not be liable in any way for declining any such instruction or for withdrawing, terminating or restricting our services to you in any way. These Terms and Conditions shall, however apply to any instruction which we choose to accept.

3.3.     We do not assume any liability for:

A.     goods or services which you pay for using the AYA® Online Money Transfer Service, and here in particular their delivery;

B.     malfunctions in communication facilities over which we have no control;

C.     the loss of data or the delay in transmissions caused by using an Internet service provider or a browser or other software over which we have no control;

D.     the services provided by Your Card Issuer;

E.     viruses originating from third parties;

f.     errors on the AOMT Site or with the AYA® Online Money Transfer Service that are the result of incomplete or wrong information that You or a third party provided;

G.     the unauthorized use or interception of information prior to reaching the Website; or

H.     the unauthorized use of or unauthorized access to data in conjunction with yourself or your transactions which we process unless such use or such access is the result of negligence on our behalf.

3.4.     Notwithstanding any prior agreement to initiate a money transfer, we are under no obligation towards you to initiate or execute a money transfer if:

a.     We are unable to obtain sufficient evidence of your identity;

b.     We have reason to believe that the transaction information is incorrect, unauthorized or forged;

c.     You have provided us with wrong or incomplete information or we do not receive your transaction information in a timely manner in order to guarantee the timely execution of the requested money transfer; or

d.     Your Card Issuer does not authorize the use of Your Bank Card to pay for the transaction and our fees.


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