⚠️ Disclaimer
Last updated: January 1, 2026 | Please read carefully before using our services.
1. General Disclaimer
GJ Money Transfer LLC ("GJ", "we", "us", "our") provides international money transfer and mobile top-up services. By accessing our website, mobile application, or any related services, you acknowledge and agree to the terms set out in this Disclaimer.
This Disclaimer should be read together with our Terms of Service and Privacy Policy.
2. Exchange Rates & Fees
⚠️ Exchange rates displayed on our website and calculator are indicative only. The rate applied to your actual transfer may differ due to market fluctuations and the time of processing.
- Exchange rates are updated periodically but are not guaranteed to be real-time.
- The rate locked in at the time you confirm your transfer is the rate that applies to your transaction.
- Fees shown are accurate at the time of display but may be subject to change with prior notice.
- In some corridors, the receiving institution may apply additional charges that are outside our control.
- Currency conversion calculations on the homepage and rates page are for illustration purposes only.
3. Information Accuracy
We make every effort to ensure the information on our website is accurate and up to date. However, we make no representations or warranties of any kind, express or implied, about:
- The completeness or accuracy of any information on our website
- The suitability of our services for any particular purpose
- The availability of our services in all jurisdictions
- Delivery times, which may vary depending on recipient bank, mobile wallet, or country regulations
4. Limitation of Liability
To the fullest extent permitted by applicable law, GJ Money Transfer LLC shall not be liable for:
- Any indirect, incidental, special, consequential, or punitive damages
- Loss of profits, data, goodwill, or business opportunities
- Delays caused by third-party payment processors, banks, or mobile wallet providers
- Errors in recipient information provided by the sender
- Service interruptions due to circumstances beyond our reasonable control (force majeure)
- Compliance holds required by law or regulatory authorities
Our total liability for any single transaction shall not exceed the amount of that transaction plus fees paid.
5. Third-Party Services
Our platform integrates with third-party providers including payment processors, KYC verification services, and payout networks. We are not responsible for:
- The availability, accuracy, or policies of third-party services
- Delays or failures caused by third-party systems
- Content on external websites linked from our platform
Links to external websites are provided for convenience only and do not constitute our endorsement of those sites.
6. Regulatory Compliance
GJ Money Transfer LLC operates as a licensed Money Services Business (MSB) registered with FinCEN (US) and FINTRAC (Canada). We comply with applicable Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations.
We reserve the right to:
- Request additional identity documentation at any time
- Delay, hold, or refuse transactions that trigger compliance review
- Report suspicious activity to relevant authorities as required by law
- Restrict or terminate services in jurisdictions where we are not licensed
Use of our services to facilitate money laundering, terrorist financing, or any illegal activity is strictly prohibited and will be reported to law enforcement.
7. No Financial or Investment Advice
Nothing on this website constitutes financial, investment, legal, or tax advice. Exchange rate information is provided for money transfer purposes only and should not be used for investment decisions.
If you require financial advice, please consult a qualified financial advisor.