TERMS & CONDITIONS OF SERVICE

You are currently viewing a page of MoneyToAccount.COM website or a related website (the “Site”) belonging to TJC Distributing, Inc. dba MoneyToAccount.COM. This site and any of the services provided by TJC Distributing, Inc. dba MoneyToAccount.COM in connection with this Site (the “Services”) are being provided to you expressly subject to these Terms and Conditions of Service. Please read these Terms and Conditions of Service carefully. By accessing this website you agree to be bound by these Terms and Conditions of Service.

IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE FROM TIME TO TIME WITHOUT NOTICE.

THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. THOUGH WE PROVIDE FEATURES TO ALLOW THE SITE OPERATIONAL EVEN WITH POWER INTERRUPTION, FAILURE, LOSS, AND WITH A SECURE ACCESS AT ALL TIMES (24/7), WE ASSUME NO RESPONSIBILITY FOR THE UNAVAILABILITY OF THIS SITE, FOR VIRUSES CREATED BY THIRD PARTIES, OR FOR INFORMATION PROVIDED BY THIRD PARTIES. NO CONTENT AVAILABLE AT OR THROUGH THE SITE SHALL CREATE ANY WARRANTY.

THE SITE PROVIDES INFORMATION THAT AFFECT DELIVERY DELAYS FOR EACH CORRIDOR OR COUNTRY UPON TRANSACTION, DUE TO SCHEDULED OR UNSCHEDULED MAINTENANCE OR OTHER UNFORSEEN EVENTS.

Defining Terms

• “Remitter”, “User”, “Sender”, “Customer” is someone who establishes a customer user account, a unique username and password, and accesses the Service to send money. Subsequent access to the Site is subject to a verification process.
• “Service” is considered usage of the MoneyToAccount website, accessing the MoneyToAccount online or at a Branch or Agent Location for the purpose of money remittance, and purchase of it’s various remittance service products.
• “Recipient”, “Beneficiary” is someone who receives money through the Service.
• “Destination Country” The country of which the destination of which the transaction is being sent. The Service currently sends to 74 countries, territories, or regions and each country, territories or regions may have different laws, rules, the origination and destination laws and rules shall apply for the transaction.
• “Transaction”, “Remittance” is a specific instruction to send money using the Service.
• “Transaction Date” is the date the transaction is committed at the location of origin. Notices, delays, or anything that will affect the delivery will be posted for each corridor or location at the time of transaction. It is updated as soon as we received the notification.
• “Transaction Amount” is the amount that the Sender provides for transmittal to the Recipient, normally, the funds received are the destination currency, but if the funds is another currency, there may be additional fees due to any foreign exchange conversion excluding taxes or charges and applicable fees, as levied at the origination and for the destination country or corridor. Normally, the exchange rate at the time of transaction and settlement prevails.
• “Transaction Reference Number” is the unique control number assigned for each transaction.
• “Date Funds Availability at the Destination Country”, depending on the type of transaction, the method of delivery services available for that country, transaction settlement selected. Transaction will be pending until settlement funds are approval from your financial institution is received and the time of transaction at the origination location. The funds availability at the destination are subject to the following conditions, bank normal delivery are within the guidelines set up during business hours, Real Time Bank delivery are at all times normally with the hour or in some cases minutes after settlement, E-wallet delivery within minutes after settlement, cash pickup delivery requires a Personal Identification Number (PIN) is subject to pick up amount, branch or agent location operating hours and difference in time zones sent, currency availability, government regulatory issues, consumer protection issues, identification requirements, and delivery restriction. Beneficiary Cash pickup transaction requires a mandatory mobile device to receive the PIN and be provided the closes pickup location. During holiday’s, Real Time Bank deposit transactions and EWallet are accepted and delivered. Normal bank deposit and cash pickup are available on the next business day.
• “Branch Location” is a physical location where MoneyToAccount products and associated services are sold.
• “Agent", "Agent Location” is a physical location of MoneyToAccount where services and products are sold. These locations are in contractual agreement with MoneyToAccount to provide services and products.

Eligible Users

You must at least be eighteen (18) years of age to access the Service, MoneyToAccount.COM website, and MoneyToAccount branch and agent location service to use. Currently all transaction(s) are settled in US Dollar, Cash, debit card, credit card, or checking, or savings account.

All transaction settlement is all in US Dollar(s). You must also have a US Dollar bank account at a registered financial banking institution that issue debit card, credit card, checking or savings bank account at the state of residence if in the United States or a US Dollar bank account in countries where US Dollar accounts are available. Your bank issued debit card, or credit card, or checking or savings bank account with routing number and account number is required. Eligible users must have an address within allowable areas of service. You must be able to form legally binding agreement and accept these Terms and Conditions of Service under applicable law. Other restrictions may apply.

Creating a User Account

To use the Service, you must join as a new user, have a valid email account to create a Money To Account Service Account which is also your username to access the Service. Go to MoneyToAccount.COM home page, and click the Create Account button, and there you must provide information to initiate your user account. Upon joining, and sign up you must agree to legally provide consent to electronic records and signature, agree with the Terms and Conditions of Service and Privacy Policy. User must also agree to receive electronic communications regarding my account according to the terms of the Consent to Use Electronic Records and Signatures notice. Any changes to the Terms and Conditions of Service, privacy or Electronic consent, emails would periodically be sent of any notice to the user. For new or first time user, once you submit your information, a link will be sent to your email. Access your email, and select the link from the MoneyToAccount email, to be validated with the Service. Now you can access your User Account by login in with your validated email address, and chosen password (see guidelines in creating your password. In the event of password loss, or forgetting your password, you can change your password at the “forget password” link. Subsequent use is subject to a verification authentication process and requires a response from you.

Offer and Acceptance

If you submit a Transaction, you are requesting that the Service process your Transaction which we may ACCEPT or REJECT at our discretion. A transaction summary (not a receipt) will disclose all charges incurred with the transaction. The customer must accept and agree to this transaction summary disclosure and the Term and Conditions of Service before the transaction will be accepted for processing. A receipt will be provided after the transaction settlement payment approval for the services is received, The transaction payment is subject to your financial institution verification, and approval.

Effective Transaction

These Terms and Conditions of Service are effective as of October 10, 2023 and binding between the Sender and the Service – MoneyToAccount.  MoneyToAccount.COM may update these Terms and Conditions of Service from time to time, without notice to you by posting the updated Terms and Conditions of Service on this website. Do not access or use the Service if you do not agree to be bound by the Terms and Conditions of Service. By accessing and Using the Service, you are agreeing to these Terms and Conditions of Service. Your initials represent an acceptance of the Terms and Conditions of Service upon committing to the transaction.

COMMUNICATIONS

Branch & Agent Locations

• MoneyToAccount branch and agent locations are in designated areas subject to local municipality, state and federal regulations.
• MoneyToAccount branch and agent locations provide internet based access to the Service where you can pay cash, and other payment instruments. Therefore, you understand that this Terms and Conditions of Service applies to both usage of the Service, via internet website portal as well as the Branch and Agent Location Service access. This Terms and Conditions of Service will be accepted electronically, and in accordance with applicable laws that this is available by way of the Internet website portal as well as in person. A physical copy of this Terms and Conditions of Service is posted at the branch and agent location, and at the MoneyToAccount.COM website.
• From time to time, changes to this Terms and Conditions of Service, and notifications will be provided to you via email. Although you has the option to not receive these notifications, upon committing a transactions, you must accept the Terms and Conditions of Service making any new transactions.
• You have the option to receive email transaction receipts, and notifications pertaining to their transaction.
• You can provide feedback regarding your experience with the Service and Transactions via the Service website. You will be sent satisfaction surveys used to enhance your user experience of the Service.

Web-Based Service

The Service is a web based service. Therefore, you understand and agree that this Terms and Conditions of Service will be entered electronically, and in accordance with applicable law, the following categories of information (“Communications”) may be provided by electronic means:

• These Terms and Conditions of Service, amendments, modifications or supplements to it.
• Your records of payments and other transactions through the Service, including without limitation your history of payments and e-mail confirmations of each individual transaction. Subsequent login is subjected to a verification and acceptance process.
• Any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by applicable law. This may include verification of information provided by you to the Bank to ensure that all Payment requests are compliant with applicable laws and regulations.
• Any customer service communications, including without limitation communications with respect to claims of error or unauthorized Use of the Service.
• Any other communication related to the Service.

Paper Documents

Although MoneyToAccount reserves the right to provide communications in paper format at any time, you agree that we are under no obligation to do so. All communications in either electronic or paper format will be considered to be “in writing” and in accordance with applicable law. You should print a paper copy of these Terms and Conditions of Service and any electronic Communication that is important to you and retain the copy for your records. If you do not wish to receive these Terms and Condition of Service or the Communications electronically, you may not Use the Service.

Hardware and Software Requirements

In order to access and retain Communications, you must have:

• A current web based browser that we support with strong encryption capability.
• A valid current e-mail account and e-mail browser capable of interfacing with industry standard e-mail protocols. You agree to update your personal information(s) every time you access to use the service.
• Access to a personal computer, tablet or computing device, hand held, mobile internet access device, laptop, operating system, and telecommunications connections to the Internet capable of supporting the above process or functions.
• Sufficient electronic storage capacity on your computer and/or mobile Internet device with internet browser capability with hard drive or other data storage unit.
• The ability to received and response to verification of the transaction.
• A printer or access to a printer that is capable of printing from your browser and/or e-mail software.
• An established or intent to establish a specific User generated ID.

Delivery of Communications

• Subject to applicable law, Communications may be posted on the Branch or Agent Locations or Service pages within the website or other website disclosed to you. All Communications will be deemed to have been received by you upon publication or posts the Communication on the Branch or Agent Locations, or the website. An electronic Communication posting to the website is considered sent at the time it is publicly available. You agree that these are reasonable procedures for sending and receiving Communications.
• You agree to keep your records and personal profile updated upon any new transactions.

REMITTANCE SERVICE

• You may send a money transfer through the Service using US Dollar currency as the settlement transaction payment at any authorized branch, and agent locations. Cash, or Credit card, or debit card, or electronic transfer (ACH) is accepted. You may select the method of delivery, whether Bank Account, Real Time Bank Delivery, Outlet Cash Pickup, Ewallet, Bill Payment, or Door to Door delivery to designated areas. Transactions settlement can be received in the Destination Local Currency. However, in the Philippines, Cambodia, and Vietnam you can received settlement amount in either US Dollar or the Destination Local Currency as defined by the Sender. Specific money transfer services and/or transfers to certain destinations may take longer or be subject to additional government laws, regulations, and restrictions. The amount received is already specific at the commitment of the transaction.
• Identification of Sender. You must provide the Service with required information to establish an account to use the Service. Additional information may be required. This information is subject to government controls, regulations, and restrictions policies. The sender and recipient date of birth is a mandatory requirement. For bank deposit, real time bank deposit, E-wallet, bill pay, the account number shall be accurate otherwise, the service may not be able to retrieve your money.
• Identification of the Recipient. Upon receiving the intended remittance, the recipient must present a valid identification in accordance with the destination country laws, regulations and restrictions policies. In cash pickup, you need a personal identification number (PIN) issued by the service together with a government approved identification to claim your settlement money, however, at the destination country location may require more information for identification. It is also mandatory to have a device that can receive and display text message (handheld device i.e., tablet, mobile phone, computer).
• The valid list of identification at the destination country is subject to the country’s authorized financial banking governing authority. It varies by countries or corridors.
• You, the Sender and Recipient represent, warrant and certify to MoneyToAccount that your Use of the Services shall not in any way, directly or indirectly, (a) violate any law, statute, ordinance, contract or regulation, including but not limited to any law, statute, ordinance, contract or regulation relating to money laundering, illegal gambling activities, support for terrorist activities, fraud or theft, and/or (b) violate any of the Terms and Conditions of Service.
  1. The Service is subject to government laws, regulation, guidelines, and restriction(s) policies, at its discretion, The service may freeze any transaction that appears to be suspicious and withhold related funds until MoneyToAccount determines the transaction to be valid. Money transfers will be reported to federal, state, local or foreign authorities. The Service will cooperate with law enforcement in the prosecution of illegal activities to the fullest extent permitted by applicable laws. You are be required to provide the Service with certain information to allow the Service, among other things: to verify your identity; to receive appropriate bank card and credit card authorization and approval. You agree that all information provided is not false, inaccurate or misleading.
  2. The information that you provide to the Service are subject to government laws, regulations, restriction policies and if qualified, you are a registered User of the MoneyToAccount Online Remittance Service system. You must provide updates on your information as some of your status changed. Your valid, true, and current pertinent information is required to facilitate your transaction and will only be used in accordance with the MoneyToAccount Privacy Policy.

  Funding Your Money Transfer.

  You initiate a money transfer by entering the required information requested and agreeing to these Terms and Conditions of Service. There are four ways you can make a Payment:

  1. Cash. US Dollar currency cash payments are acceptable method of payment at MoneyToAccount Branch locations and Authorized Agents ONLY. Cash payment deposit fees may or may not be included in the fee service, transaction service fee.
  2. Credit Card. Users are limited to Visa, and Mastercard card services only, and funding limit. Restriction and Other Fees will apply. Subject to Bank or financial institution approval.

     Other Charges. The Service is not responsible for any fee or charges that may be imposed by the financial institutions, third party payment processers, merchant service processing fees, banking depository institutions used for payment, or pickup, associated with your Payment Instruments. Credit card issuers may treat the use of your credit card to use the Service as a “Cash Advance” rather than a purchase transaction and may impose additional fees and interest rates for the transaction. The Service is not responsible for any insufficient funds’ changes, NSF fees, chargeback fees, or other similar charges that might be imposed on you by your bank, credit card issuer, or other provider.

  3. Check Cards/Debit Card. Money transfer services can be settled using a bank issued debit or check card by entering the required information. Authorized third party providers may be involved.
  4. Consumer Authorization for Direct Payments via ACH. You can send a money transfer with an electronic draft — an automated clearing house (“ACH”) from a US bank account. Bank name, routing number, account number, and amount of transaction are required for an ACH transaction. This transaction may require a minimum 1 business day to process. If you choose to initiate your money transfer with an electronic draft, you are consenting to the following:

     “I authorize TJC Distributing, Inc. dba MoneyToAccount.COM to electronically debit my account (and, if necessary, electronically credit my account to correct erroneous debits) as follows: [ ] Checking Account, [ ] Savings Account (select one) at the depository financial institution I have designated. I agree that ACH transactions I authorize comply with all applicable law. I shall provide the following information, Depository Name, Routing Number, Account Number, Amount of Debit, date and frequency of Debit. I understand that this authorization will remain in full force and effect until I notify TJC Distributing, Inc. dba MoneyToAccount.COM in writing, by phone, or authorized electronic communication that I wish to revoke this authorization. I understand that TJC Distributing, Inc. dba MoneyToAccount.COM requires at least 5 business days prior notice in order to cancel this authorization.

  MoneyToAccount does not accept payment for the Service by check, money order, wire transfer or currency other than US Dollar.

  YOUR PRIVACY

  1. Protecting consumer Privacy is a priority at MoneyToAccount. You can view the MoneyToAccount Privacy Policy for more details.
  2. To help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions and their third parties to obtain, verify, and record information to identify you. You will be asked for your name, address, date of birth, and other information that will allow us to identify you.
  3. IF YOU PROVIDE FALSE INFORMATION, YOUR ABILITY TO USE THE SERVICE MAY BE TERMINATED AND ANY PENDING MONEY TRANSFERS MAY BE CANCELLED. IN ADDITION, YOU MAY BE SUBJECT TO CIVIL AND CRIMINAL PENALTIES.

  LIMITATIONS OF SERVICE

  MoneyToAccount does not permit the Service to be used for improper, unlawful, or fraudulent transfers of funds (“Unauthorized Transactions”). Unauthorized Transactions include but are not limited to attempt:

  1. To transfer funds Using stolen, unauthorized, or otherwise compromised credit card, check card, debit card, or bank account.
  2. To transfer funds Using an account with insufficient funds.
  3. To seek reimbursement of funds that have already been disbursed.
  4. To launder funds.
  5. To fund certain terrorist organizations or individuals as identified from time to time by the U.S. Department of Treasury on its published list of Specially Designated Nationals (“SDN”), and.
  6. To violate local, state, or federal laws of the United States, laws of the Destination Country, Territory, international laws, or the laws of any other relevant jurisdiction. Any incidents of Unauthorized Transactions are subject to prosecution to the full extent of the law. International Recipient of funds acquired through Unauthorized Transactions may also be subject to civil penalties and/or criminal prosecution in their country of residence including, but not limited to, the repossession of the total funds delivered and received as a result of an Unauthorized Transaction.

  COMMERCIAL TRANSACTIONS

  MoneyToAccount has no control over, and is not responsible for, the quality, safety, legality, or delivery of goods or services that you pay for using the Service. You acknowledge that any use of the Service for to pay for such goods and services is at your own risk.

  FEES, PAYMENT, AND CURRENCY EXCHANGE RATE

  1. MONEYTOACCOUNT MAY OR MAY NOT MAKE ADDITIONAL PROFITS FROM THE CURRENCY EXCHANGE RATE BASED ON AGREEMENTS WITH ITS DELIVERING AGENCY. MONEYTOACCOUNT DOES EARN, IN CONSIDERATION FOR ITS SERVICES, THE TRANSACTION FEE IN EFFECT AT THE TIME THE TRANSACTION IS ENTERED. THE TRANSACTION SUMMARY (NOT A RECEIPT) WILL BE DISCLOSED TO YOU PRIOR TO YOUR ACCEPTANCE AND FINAL AUTHORIZATION AND FUNDING OF THE TRANSACTION.
  2. The Sender may select payments in the destination country in local currency. Once the sender selects the destination country, the service available will be displayed. Once the available service selected, the exchange rate and all related fees will be displayed, at the time of the transaction.
  3. Cash Advance Fees: Bank credit card issuers may treat the Use of your credit card to Use the Service as a “cash advance” rather than a purchase transaction and may impose additional fees and interest rates for the transaction. These fees are imposed by your credit card issuer, and not by MoneyToAccount. You can avoid most cash advance fees by paying with a debit card or cash. Bank verification and approval may be required.

  REFUNDS & CANCELLATIONS

  1. CANCELLATION. Transaction cancellation requests must be made by the Sender at the location which the transaction was committed. The Sender may opt to cancel his or her transaction within thirty minutes (30) from when the transaction was committed, unless it is already delivered. Cancellation requests can be made in person and must be made in writing at the same Branch or Agent Location that the purchase was made. Website transaction cancellations must be requested online.
  2. REFUNDS. MoneyToAccount will do everything in its power to complete all transactions, however there could be some circumstance(s) that may not be possible, i.e. if the non-completion of the processing of the transaction is due to government/state/federal regulation(s) compliance, the funds will be held at an interest bearing account, and the funds disposition will be at government directed mandate, transaction fees may not be refundable, otherwise Refunds will be made as follows:
     1. Cash transaction at a branch or agents’ location, refund will be in a form of the check to the Sender, within 30 days. If cancellation was done within the 30 minutes window unless it is already delivered, refund will be provided in a check within three business day.
     2. Electronic Fund Transfer (Consumer Authorization for Direct Payment via ACH) . ACH will be credited back to the account, where it can from.
     3. For debit and credit transactions will be reversed back to the account where it came from.
  3. In the event that it was discovered by MoneyToAccount the balance was not delivered, the Sender has the option to select whether the balance would be refunded or transaction retried at no cost to the Sender. A transaction that has not been completed due to natural calamity (i.e., road closure, infrastructure damage, or coup/war/etc) beyond the control of the Service, the transaction can be refunded. If the inability to deliver the transaction was due to the Sender’s incorrect/or incomplete information thus the fault of the Sender, the transaction can be refunded minus the transaction fees and taxes may apply.

  ERROR RESOLUTION

  If the Sender discovers a discrepancy within 180 days of the transaction, the Sender can notify MoneyToAccount about the discrepancy discovered. The sender must contact the Service on the Website by filling up an error resolution form, which the Sender must describe the situation error, and other information pertaining to the discrepancy such as the Sender’s Name, UserID, reference number, date of transaction, address of recipient, amount of transaction, and description of the error discovered. The Service will acknowledge within 10 days that the error/complaint/request was received. The Service has 90 days to respond to the discrepancy request. The Service will investigate each request individually to determine the course of action and follow up with an appropriate resolution. Once investigation was completed, and the finding was that the error of origin was of the Service, the Service will notify the Sender of the findings, and then ask the Sender of how to appropriately resolve the issue. The Service will provide all the findings and results of the investigation upon individual request. Data used in the investigation will be shared with the Sender upon request. If the Error is with the service, the Service will correct the error within 1 business day.

  INDEMNITY

  Except to the extent that MoneyToAccount is otherwise liable under these Terms and Conditions of Service or by law, you agree to indemnify MoneyToAccount, its shareholders, subsidiaries, affiliates, directors, officers, employees, agents, representatives, suppliers, Service Providers, and subcontractors indemnify from any and all losses, liabilities, claims, demands, judgments and expenses, including but not limited to reasonable attorney’s fees, arising out of or in any way connected with your use of or the performance of the Services. You provide this indemnification without regard to whether our claim for indemnification is due to the use of the Services by you or on your Bank Account or Debit Card Account.

  LIMITATION OF LIABILITY

  1. MoneyToAccount reserves the right to limit the principal amount of a money transfer, or to reject a proposed money transfer, in its sole discretion. MoneyToAccount assumes no obligation to make payment of the money transfer or to complete the applicable money transfer transaction if MoneyToAccount does not receive authorization from the bank card issuer or depository institution, nor does MoneyToAccount assume any liability for damages resulting from nonpayment of the money transfer or any failure to complete any applicable Service transaction by reason of such lack of authorization. MoneyToAccount reserves the right to refuse to provide the Services to you, at any time, for any reason deemed necessary to protect Our interests.
  2. MoneyToAccount shall not be liable for any interruption of service due to causes beyond its control, including, but not limited to, the following: the unavailability or refusal of a person to accept delivery of the money remittance; acts of God; acts of public authorities acting with actual or apparent authority; insufficient information provided by a customer; the application of security regulations imposed by the government, or otherwise applicable to the delivery location; riots, strikes, or other labor disputes; civil commotions; disruptions in ground transportation networks, such as weather phenomena; and natural disasters. For door to door deliveries, we will attempt twice, and if not successful, we will refund the money except the transaction fees and applicable taxes.
  3. Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental, consequential or other damages. accordingly, some of the limitations of these terms and conditions of service may not apply to you.

  UNAUTHORIZED USE BY THIRD PARTIES

  1. You are responsible for all authorized uses of the Service as accessed by your email and password. Applicable law may protect you from liability for unauthorized Use. An “Unauthorized” Use is Use of the Service by someone other than either you or someone authorized by you. A transaction is not Unauthorized if: 1) You give your password or account information to another person expressly or implicitly authorized the Use of the Service and that person Uses the Service; or 2) for any reason MoneyToAccount concludes the facts that do not reasonably support a claim of Unauthorized Usage.
  2. Please notify MoneyToAccount IMMEDIATELY if you believe that your password has been stolen or that someone has made a transfer using your name or password without your permission. You should also change your password immediately. Once your password is reported lost or stolen, we will block access to the Service. You may contact MoneyToAccount.COM using the provided CONTACT US page, or by phone at (530) 823-7419, or by email at support@moneytoaccount.com. Include in the message, your name, email address, and phone number, with a detailed description of the incident, and what happened.

  DISCLAIMER OF WARRANTIES

  You understand and agree that:

  1. MoneyToAccount expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.
  2. MoneyToAccount makes no warranty that (i) the service will meet your requirements, (ii) the service will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the Use of the Service will be accurate or reliable, (iv) the quality of any products, services, information, or other material obtained by you through the Service will meet your expectations, and (v) any errors in the software will be corrected.
  3. Any material downloaded or otherwise obtained through the Use of the Service is done at your own discretion and risk and that you will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material.
  4. No advice or information, whether oral or written, obtained by you from MoneyToAccount or through or from the Service shall create any warranty not expressly stated in these Terms and Conditions of Service.

  INTELLECTUAL PROPERTY

  The MoneyToAccount website, the Service, the content, and all intellectual property pertaining thereto and contained therein (including but not limited to patents, database rights, text, graphics, links, buttons, logos, images, copyrights, trademarks and service marks) are owned exclusively by TJC Distributing, Inc. dba MoneyToAccount.COM, and all right, title and interest therein and thereto shall remain the property of TJC Distributing, Inc. dba MoneyToAccount.COM. The MoneyToAccount website and Service may be Used only for the purpose permitted by these Terms. You are authorized solely to view and retain a copy of the pages of the MoneyToAccount website for your own personal, non-commercial Use. You agree that you may not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit the MoneyToAccount website, the Service or any portion thereof for any public or commercial Use without the express written consent of MoneyToAccount. You further agree not to: (i) Use any robot, spider, scraper or other automated device to access the MoneyToAccount website and/or Service; and (ii) remove or alter any author, trademark or other proprietary notice or legend displayed on the MoneyToAccount website (or printed pages thereof). The name MoneyToAccount and other names and indicia of ownership of MoneyToAccount Service are the exclusive marks of MoneyToAccount. Other product, service and company names appearing on the website may be trademarks of their respective owners.

  MISCELLANEOUS INFORMATION

  1. Entire Terms and Conditions of Service — These Terms and Conditions of Service embody the entire disclosure and understanding between you and MoneyToAccount and supersede all prior disclosures or understandings you have with MoneyToAccount. If any one or more of these Terms and Conditions of Service shall for any reason be held to be invalid, illegal or unenforceable, the remaining provisions shall remain valid and enforceable and the parties nevertheless agree that an arbitrator or court should endeavor to give appropriately valid effect to the intention of these. Your access to and Use of the MoneyToAccount website and Service is governed by law. The MoneyToAccount website and Service are directed to persons age 18 and over residing in the United States or other countries listed. The MoneyToAccount website and Service are not intended for distribution to, or Use by, any person or entity in any jurisdiction or country where such distribution or Use would be contrary to law or regulation.
  2. No Waiver — The failure of MoneyToAccount to exercise or enforce any right or provision of these Terms and Conditions of Service shall not constitute a waiver of such right or provision. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to Use of the Service or the Terms and Conditions of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred.
  3. Modification — These Terms and Conditions of Service may be modified or amended by MoneyToAccount from time to time without notice, except as may be required by law. You can review the most current version of the Terms and Conditions of Service at any time by reviewing this website. You may terminate your use of the Service 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 will be deemed to have accepted that amendment or modification. You agree that you will not modify these Terms and Conditions of Service and acknowledge that any attempts by you to modify these Terms and Conditions of Service shall be void.
  4. Unless otherwise provided by law, any action brought against MoneyToAccount, its shareholders, subsidiaries, affiliates, directors, officers, employees, agents, representatives, suppliers, Service Providers, and subcontractors must be in the County of Placer, State of California, United States of America.

  COMMENTS & QUESTIONS

  For consumer inquiries or comments, you can contact us at:

  MoneyToAccount.COM
  P.O. Box 6925
  Auburn, CA 95604
  Office: (530) 823-7419
  Fax: (530) 820-3256
  Email: support@moneytoaccount.com