USER AGREEMENT

This User Agreement governs the terms under which you may access and use this website and the services associated with it. By accessing or using our services, you agree to the terms of this User Agreement. As used throughout this Agreement, the terms “Remit4.com,” “we,” “us,” and “our” refer to Remit4, DBA names of Star Business and Travel, Inc., a Florida corporation and agent of Lyons Xpress LLC. The terms “you” and “your” refer to users of our services.

1. OVERVIEW OF THE SERVICE

The Service allows individuals to send money from the United States to Brazil. A “Sender” is a person who uses the Service to send money. A “Recipient” is a person who receives money through the Service. The “Destination Country” is the country where the Recipient receives funds. A “Transaction” is a specific instruction to transfer money through the Service.

The “Transaction Amount” refers to the amount provided by the Sender for transfer, excluding applicable fees and prior to any foreign exchange conversion. The “Payout Amount” is the amount received by the Recipient, excluding any taxes or charges imposed under the laws of the Destination Country (“Local Taxes”).

2. ACCESSING THE SERVICE

a. Eligible Users

You must be at least eighteen (18) years old to use the Service as a Sender and capable of entering into legally binding agreements under applicable law.

b. Availability

The Service may not be available in all states, countries, or jurisdictions.

c. Offer and Acceptance

When you submit a Transaction, you are requesting that we process the Transaction. We reserve the right to accept or reject any Transaction at our sole discretion.

3. PAYMENT

a. Charges

For each Transaction, you agree to pay the applicable service fee (“Service Fee”) in addition to the Transaction Amount. Additional charges may apply. Payment is due when the Transaction is submitted.

Remit4.com accepts payment only in U.S. Dollars. If your Transaction results in NSF fees, chargeback fees, or similar charges, you agree to reimburse us for those costs.

b. Authorization

You authorize us to debit or charge any payment method you provide in connection with the Service (“Payment Instrument”), including bank accounts and debit or credit cards.

If a payment fails or is insufficient, you authorize us to retry the transaction using the same or another Payment Instrument associated with your account.

You represent and warrant that you are the lawful owner of all Payment Instruments used with the Service.

c. Third-Party Fees

We are not responsible for fees charged by your financial institution, including insufficient funds fees, overdraft fees, chargeback fees, or similar charges.

d. Foreign Exchange

Remit4.com and its service providers may earn revenue from foreign currency exchange transactions based on the difference between wholesale exchange rates and the exchange rate provided to you.

You agree that any bank account designated to receive a Transaction must be denominated in the same currency as the Transaction.

4. DISBURSEMENT

Service Providers

We work with banks, exchange houses, and other third-party providers (“Service Providers”) to deliver funds to Recipients. By using the Service, you appoint the Recipient as your agent for the purpose of receiving transferred funds.

We make reasonable efforts to provide accurate information regarding Service Provider locations, availability, and hours of operation. However, we are not responsible for inaccurate or incomplete information displayed on the website.

5. RESTRICTIONS

a. General Restrictions

We may refuse any Transaction or impose limits on transfer amounts at our sole discretion, whether on an individual, account, household, or aggregated basis.

We reserve the right to modify or discontinue the Service at any time without notice.

b. Delays

Transactions may be delayed or canceled while we verify your identity, validate Transaction details, confirm Payment Instruments, or comply with applicable laws and regulations.

c. Unauthorized or Prohibited Use

You may not use the Service for unlawful purposes or in violation of this Agreement. Prohibited activities include, but are not limited to:

• Fraud or money laundering

• Gambling-related activities

• Funding terrorist organizations

• Transactions involving firearms, tobacco, controlled substances, or illegal materials

• Sending money to individuals or entities prohibited by law

We reserve the right to report suspected illegal activity to law enforcement authorities.

d. Ineligible Transactions

We may refuse Transactions involving certain Payment Instruments, Senders, or Recipients, including individuals or entities listed on government sanctions or restricted-party lists.

e. Transactions on Behalf of Others

You may not submit or receive Transactions on behalf of another individual or entity without our prior approval and required documentation.

f. Transaction Accuracy

Once submitted, Transactions generally cannot be modified. You are responsible for ensuring all Transaction information is accurate before submission.

g. Restricted Activities

In connection with the Service, you agree not to:

1. Violate this User Agreement or applicable laws;

2. Open multiple accounts without authorization;

3. Provide false or misleading information;

4. Refuse to cooperate in investigations;

5. Use anonymizing proxies;

6. Use automated tools to access or monitor the website without permission.

6. COLLECTION OF INFORMATION

a. Privacy Policy

By using the Service, you acknowledge and consent to our Privacy Policy.

b. Customer Identification Program

Federal law requires us to collect, verify, and record information that identifies our customers to help prevent money laundering and terrorist financing.

c. Government Disclosures

We may disclose information regarding you and your Transactions to government agencies or law enforcement as required by law.

d. Verification

You authorize us, directly or through third parties, to verify the information you provide, including identity verification and validation of Payment Instruments.

7. PROBLEMS AND REFUNDS

Please contact us if you experience any issues with the Service.

Florida Customers — Right to Refund

You may be entitled to a refund if funds are not transmitted within ten (10) days as required by Florida law.

Written refund requests may be mailed or delivered to:

Star Business and Travel, Inc.
1507 Park Center Dr. Ste 1-I,
Orlando, FL 32835

Error Resolution and Cancellation

You have the right to dispute errors in your Transaction within 180 days by calling 407-354-3474 or emailing customer support.

You may cancel a Transaction for a full refund within 30 minutes of payment unless the funds have already been picked up or deposited.

Recipients may receive less than the stated amount due to bank fees or foreign taxes.

8. INTELLECTUAL PROPERTY

All content, trademarks, logos, graphics, text, and other materials related to the Service are the exclusive property of Remit4.com and its affiliates.

You may not reproduce, modify, distribute, or use any intellectual property without prior written consent.

9. DISCLAIMER OF WARRANTIES

THE SERVICE IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY.

We disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee uninterrupted or error-free operation of the Service.

10. INDEMNIFICATION

You agree to indemnify and hold harmless Remit4.com, its affiliates, employees, officers, agents, and Service Providers from any claims, losses, damages, liabilities, or expenses arising from:

• Your use of the Service;

• Your violation of this Agreement;

• Your violation of applicable laws or third-party rights.

11. LIMITATION OF LIABILITY

Except where prohibited by law, our total liability for any claim relating to the Service shall not exceed $500.00 USD plus reimbursement of the applicable Transaction Amount and Service Fees.

We are not liable for indirect, incidental, consequential, or punitive damages.

12. DISPUTE RESOLUTION AND GOVERNING LAW

a. Governing Law

This Agreement is governed by the laws of the State of Florida.

b. Arbitration

Claims under $10,000 may be resolved through binding arbitration using a mutually agreed alternative dispute resolution provider.

c. Venue

Any disputes not subject to arbitration shall be resolved exclusively in courts located in Orange County, Florida.

13. ELECTRONIC COMMUNICATIONS

By using the Service, you consent to receive communications electronically, including notices, disclosures, agreements, and customer service communications.

You are responsible for maintaining a valid email address and appropriate technology to access electronic communications.

14. MISCELLANEOUS

a. Entire Agreement

This Agreement constitutes the entire agreement between you and Remit4.com regarding the Service.

b. No Waiver

Failure to enforce any provision shall not constitute a waiver of that provision.

c. Modifications

We may modify this Agreement at any time. Continued use of the Service after modifications become effective constitutes acceptance of the revised Agreement.

d. Language

In the event of inconsistencies between English and translated versions of this Agreement, the English version shall control.

15. SECURITY AND FRAUD PREVENTION

Your security is important to us. We employ industry-standard security measures to help protect your information and Transactions.

Please exercise caution when sending money to individuals you do not know personally. If you suspect fraud or unauthorized activity, contact us immediately at:

Phone: 1-407-354-3474
Email: [email protected]

16. CONTACT INFORMATION

For questions, notifications, refund requests, or additional information, contact:

Star Business and Travel, Inc.
Attn: Customer Service
1507 Park Center Dr. Ste 1-I,
Orlando, FL 32835

Phone: 1-407-354-3474
Email: star@sbtusa.net