### Terms & Conditions for Online Payment by Customer through Oman Payment Gateway

Customers willing to pay any dues to Modern Exchange Company L.L.C. (hereinafter MEC) through online Oman-Net Payment Gateway are requested to read the following terms and conditions carefully before making an online payment:

1.  By using the online payments service, you accept to adhere to these terms and conditions. If you do not agree with the terms and conditions, please do not process further. These terms and conditions are in addition to and do not supersede other terms and conditions that may be applied by Oman-Net.
2.  Payment(s) through online Oman-Net Payment Gateway may only be made with a Oman-Net Card.
3.  MEC is only facilitating the payment by providing a link to the Payment Gateway Service provider or the Bank which will enable Customers to pay online. For your convenience, this page may contain certain hyperlinks to access other MEC pages. MEC is not responsible and shall not be liable for the functioning and/or any errors prompted by the link.
4.  If any Payment Gateway Service Provider or Bank imposes any taxes or charges, the same shall be borne by the Customer and cannot be claimed from MEC. MEC shall not be liable for any costs, expenses, taxes, penalties and/or charges of any type or nature.
5.  The Customer agrees to indemnify and hold MEC harmless against all direct and indirect claims, losses, damages and actions that the customers, payers, payee or any party may initiate in relation to the online payment gateway. Neither MEC nor any of its employees, agents, officers, management or representatives shall be liable for any loss or damage, costs, expenses, charges of any type that may be suffered by customers, payers, payee or any party as a result of such usage.
6.  All payments will be processed on the basis of the information that you provide. MEC does not accept any liability if you make any mistake in providing information or for any reason whatsoever.
7.  The service is provided using a Third Party payment gateway through a secure website. However, MEC does not give any assurance or guarantees, that the information provided online by a user is kept secured and/or a third party cannot read it or intercept it. MEC and/or its employees, agents, officers, management or representatives do not accept or assume any type of liability in the event of such unauthorized interception, hacking or other unauthorized access to information provided by a user of the online payment service.
8.  The Customer declares that he/she is the lawful owner of the money being remitted to the beneficiary and have the capacity and authority to execute this remittance. He / She also declares that he / she have full and complete knowledge of the beneficiary and that the money is being remitted for personal and lawful purposes.
9.  The Customer agrees, understands and confirms that his / her personal information including information relating to his/her Oman-Net Card transmitted over the Internet may be susceptible to misuse, hacking, theft and/ or fraud and MEC and/or its employees have no control over such matters. The Customer hereby undertake that, he / she alone shall be transacting through online and shall not share his / her user ID and password to any third party.
10.  The Customer agrees that the Oman-Net Card details provided by him/ her must be correct and accurate. The Customer shall not use a Oman-Net Card that is not lawfully owned by him/ her or the use of which is not authorized by the lawful owner thereof. The Customer shall not share these details to any third party and MEC shall not be held responsible in any manner.
11.  He / She understand that should this remittance be unpaid for whatsoever reasons by Modern Exchange Company L.L.C. (hence forth and interchangeably known as MEC), I can only claim the value thereof at the buying rate on the day the actual refund takes place. The refund will not take place unless MEC receives definite advice from their correspondents that the remittance remains unpaid and after the completion of necessary formalities to the satisfaction of MEC. Repayment/refund of the aforementioned claim/remittance will be done only to the account of the debit card used at the time of doing the transaction and is at the sole discretion of MEC. He / She hereby indemnify MEC and its employees against any liability whatsoever arising thereof.
12.  The information provided by the user on this website will be kept confidential and will not be shared with anyone unless required by law, by regulatory body or by court.
13.  Once the payment has been confirmed online, you will be given a Payment Receipt including a transaction number. Please note the transaction number and quote in any future queries about the payment. Payment Receipt so generated shall be the proof for successful payment.
14.  We retain the right to change the terms and conditions for Online Payments, without any prior notice.
15.  Customer obligation to pay the transaction dues remain unchanged in the event online transaction fails for whatsoever be the reason.
16.  Note : Kindly note that you will be contacted in case additional supporting financial documents or other information are required to process the transaction.
17. Modern Exchange Company L.L.C. shall not be liable for any incorrect information and / or documents provided by the Client and the Customer shall be solely responsible for verifying the accuracy of the information provided by him, including the beneficiary's information.
18.  The purchase and sale of currencies are subject to financial limits and financial exchange restrictions applied by the competent authorities and compliance with anti-money laundering rules. Customers should seriously note that any suspicious transactions will be reported to the relevant authorities in the relevant countries. 
Important Notice: The terms and conditions on which the service is provided are set out below. You are advised to read these terms and conditions, especially those restraining liability and data protection, before signing this form, in addition to the transfer fee, Western Union and it's agent also make money from the exchange of currencies. Please see further important information above regarding currency exchange and legal restrictions that may delay the transactions set out above of this form. PROTECT YOURSELF FROM CONSUMER FRAUD, CAREFUL WHEN A STRANGER ASKS YOU TO SEND MONEY. DO NOT DIVULGE THE DETAILS OF THIS TRANSFER TO THIRD PARTY. 
    

### MoneyGram Terms and Conditions for Sending Money

1.  INTRODUCTION
    1.  The MoneyGram® money transfer service (“Service”) is provided by MoneyGram Payment Systems, Inc., (“we” or “us”) through a network of agents, authorized delegates, or other permitted entities (“Agents”). These Terms and Conditions, along with the Documentation (as defined in Section 1.3 below) used in connection with the Service to which these Terms and Conditions may be included or attached, constitute the entire agreement (“Agreement”) between us with you, the individual sender of the Service (“you” or “Sender”).
    2.  This Agreement and the Service allow you to send a money transfer (a “Transfer”) to the person named on the form (the “Recipient“) and allows them (i) to collect in cash at a MoneyGram location (our “cash to cash” service); or (ii) to receive into their bank account or other type of physical or virtual account, for example a mobile wallet account (our “cash to account” service). These terms and conditions apply to both services, except where we say they apply to only one of them.
    3.  You must sign any other documentation related to the Transfer, including all forms, receipts, or acknowledgments (collectively, the “Documentation”) in order to use the Service.
    4.  By using, or attempting to use, the Service in any capacity, you are acknowledging that you (i) accept the terms of this Agreement and (ii) have read the Documentation relating to the Transfer and that the information as described on the Documentation is accurate.
    5.  For cash to cash Transfers, you can either send money within the same country or to a different “receive country”. The Recipient can only collect the money in the receive country stated in the form. Once the Agent has processed this form and been given your money, the Recipient can collect the money at any MoneyGram location in the receive country within minutes (during opening hours) in cash, in the currency stated in the form unless condition 2.2 below applies. We will not contact the Recipient when the money is ready to collect, so this is something you will need to do.
    6.  We do not offer the Service in all countries. You can call us, visit our website or ask an Agent to find out the availability of our Service, and addresses and opening times of locations offering the Service.
2.  CHARGES AND CURRENCY EXCHANGE
    1.  You must pay us the fee stated in the form. We will not charge you any other fee for the Transfer. You can only send money in a certain currency or currencies. The Agent will tell you whether a payout 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 form.2.   For cash to cash Transfers to certain countries: (i) if the Transfer amount is stated in U.S. Dollars, and the Recipient’s Agent does not pay out in that currency, they will convert the money into the local currency using either their or MoneyGram’s standard exchange rate; (ii) if the money (whatever foreign currency it is sent in) is not collected within 45 days, the Recipient’s Agent may recalculate the converted amount at the time of collection, using their or MoneyGram’s standard exchange rate.
3.  RESTRICTIONS ON TRANSFERS:
    1.  There are limits on the amount you are able to send. The Agent 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.  CANCELLING AND REFUNDING A TRANSFER
    1.  You do not have a right to cancel the Transfer. We may nevertheless be able to cancel it before the Recipient collects or receives the money. If you wish to cancel the Transfer and request a refund of the Transfer amount, you can ask an Agent or write to us enclosing a copy of your completed form. We aim to process such requests promptly but in any case within 30 days.
5.  EXPIRED TRANSFERS
    1.  If you ask us to make a Transfer to be collected in cash and the Transfer amount has not been collected 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. If an Expired Transfer occurs, you will be entitled to 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.
6.  IDENTIFICATION AND PAY OUT FOR CASH TO CASH TRANSFERS
    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 form; (iii) the Sender’s name; (iv) the Transfer amount; and (v) the 8-digit reference number.
    2.  We will not have any liability in the event that the Transfer is disbursed, when and as applicable, to an individual who provides valid identification to the Agent describing such person as the Receiver (even if such identification was false or forged) and provides a Reference Number. You must not give the details referred to in condition 6.1 to anyone other than your chosen Recipient. You must also do all you reasonably can to make sure no one else can obtain them - for example, by (i) not letting anyone see the form; (ii) not writing down the reference number in a way that can be recognized, nor letting anyone overhear you tell the Recipient the reference number; and (c) not trusting a person (other than the Recipient) who tries to assure you it is safe to disclose some or all of those details to them. 
7.  ADDITIONAL CONDITIONS FOR CASH TO ACCOUNT TRANSFERS
    1.  We will send the money to the account you specify in the form. For information on when a payment will be credited to such an account, you need to contact the Recipient’s account provider.
    2.  The Recipient’s account provider may apply its own charges to the Transfer, which do not involve us.
    3.  If you ask us to send money to an account and the Transfer was not made properly or never arrived, we will promptly refund your money and our fee - unless we can show that the account provider received the money or that there was a mistake in the Recipient’s account details that you gave us.
8.  SEPARATE ARRANGEMENTS
    1.  In addition to their offering of our Service, Agents may offer you their own products or services such as currency exchange. These additional products or services are separate and independent from the Service, are offered under the Agent’s own terms and conditions, and do not involve MoneyGram in any way. These additional products and services are likely to have their own fees associated with them.
9.  OUR LIABILITY
    1.  We will not be liable to you if we break this Agreement due to: (i) abnormal and unforeseeable circumstances outside our control where we could not avoid breaking this Agreement despite all efforts to the contrary - this may include, for example, delays or failures caused by industrial action, problems with another system or network, mechanical breakdown or data-processing failures; or (ii) our obligations under English or other applicable laws to which we may be subject to.
    2.  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).
    3.  Our Service 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.
10. OTHER TERMS
    1.  We will report money transfers to any government authorities if we are required to do so by law.
    2.  The Transfer and use of our Service does not involve you or the Recipient having a “deposit” or an account with MoneyGram.
    3.  These conditions have been prepared, and will be executed, in the English language, which shall be the governing language for all purposes. 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.
11. DATA PRIVACY
    1.  This Notice applies to personal information MoneyGram collects about you and the recipient. The information we collect and use, depend on the product or service you have with us, including but not limited to, contact information and identification information. We may share the information we collect from you with third-parties, including affiliated companies, to process your transactions, market our products and services to you, detect and prevent fraud and other illegal activities, such as money laundering activities, or to cooperate with criminal or government investigations, in accordance to applicable laws. In addition, the personal information we collect may be transferred outside the country of collection for international transfers and for processing. For details on our privacy practices and your rights, please visit www.moneygram.com/privacy-notice.  
    2.  To opt out of receiving marketing communication from us, you may: (i) click on the “unsubscribe” link at the bottom of the MoneyGram marketing email you’ve received; (ii) reply “MGISTOP” to a text or SMS message; or (iii) contact us at privacyprogramoffice@moneygram.com. 
12. CONTACT DETAILS AND CUSTOMER SERVICE INFORMATION
    1.  We are committed to ensuring that you receive high quality service from us. In the event that you are dissatisfied with our Service or believe an error has occurred with your Transfer, please contact us as soon as possible. For full details of our complaints procedure or consumer protection advice, or to submit a complaint, you can:

visit our website https://www.moneygram.com and submit the online form;
write an email to customerservice@moneygram.com; or
write to us at: MoneyGram, Konstruktorska Business Centre, 13 Konstruktorska Street, Warsaw, Poland 02-673.