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Terms & Condition

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INTRODUCTION AND SCOPE

Raa Money (“Mobile Application”)managed by Raa Money (“We”, “us”, “our” and “company”) welcomes you.  

We offer you access to our services through our “Mobile Application” (defined below) subject to the following Terms and conditions, which may be updated by us from time to time with or without notice to you.  By accessing and using this Mobile Application, you acknowledge that you have read, understood and agree to be lawfully bound by these terms and conditions and our Privacy Policy, which are hereby incorporated by reference (collectively, this “Agreement”). In case you do not agree with any of these terms, then please do not use the Mobile Application. 

DEFINITIONS

  • “Agreement” denotes to this Terms and Conditions and the Privacy Policy and other documents provided to you by the Mobile Application; ; 

  • “Service” or “Services” denotes any service shown below, which we may offer from our Mobile Application..

  • “User”, “You” and “Your” denotes to the person who is accessing the Mobile Application for taking or availing any service from us;

  • “We”, “us”, “our” and “company” are references to Raa Money;

  • ”Mobile Application” shall mean and include  Raa Money, mobile-application(“App or “Mobile Application”) and any successor Mobile Application of the Company or any of its affiliates;

  •  "User Account” shall mean an electronic account opened for the User for availing various services offered in the Mobile Application;

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 INTERPRETATION

  • All references to the singular include the plural and vice versa and the word "includes" should be construed as "without limitation".

  • Words used herein regardless of the number and gender specifically used shall be deemed and construed to include any other number, singular or plural, and any other gender, masculine, feminine, or neuter, as the context requires.

  • Reference to any statute, ordinance or other law includes all regulations and other instruments and all consolidations, amendments, re-enactments or replacements for the time being in force.

  • All headings, bold typing, and italics (if any) have been inserted for convenience of reference only and do not define limit or affect the meaning or interpretation of the terms of this Agreement.

 

 INTRODUCTION AND SCOPE

  • Scope. These Terms govern your use of the Mobile Application and the Services. Except as otherwise specified, these Terms do not apply to Third-Party Services, which are governed by their own terms of service.

  • Eligibility: Certain Service of the Mobile Application is not available to minors under the age of 18 or to any users suspended or removed from the system by us for any reason.

  • Electronic Communication: When you use this Mobile Application or send e-mails and other electronic communications from your desktop or mobile device to us, you are communicating with us electronically. By sending, you agree to receive a reply communications from us electronically in the same format and you can keep copies of these communications for your records.

 SERVICES

 Raa Money is a meticulously designed mobile application that allows you send money abroad in the easiest and quickest way at the lowest price of transfer. This app allow you to convert your currency and get real exchange rate.

 MODIFICATIONS TO THE SERVICE

We reserve the right to suspend/terminate usage or access to the platform or system, “Changes”), at any time. We may notify you of changes by sending an email to the address identified in your Account or by posting a revised version of the Terms incorporating the Changes to its Mobile Application. Your continued use of the Site following the posting of changes will mean that you accept and agree to the Changes.

 REGISTRATION

For accessing the Mobile Application and using its Resources, you may be required to provide specific information and to create a user ID and password to establish an account.

You accept that the details you provide about establishing any account are correct and that you will keep your details up-to-date. You are responsible for the security of all of your user names, passwords, and registration information (such as unique account identifiers or historical billing information), and you are solely responsible for any use (authorized or not) of your accounts. You agree to notify us immediately about any unauthorized activity regarding any of your accounts or other breaches of security. We may at our discretion suspend or terminate any of your user names and passwords at any time with or without notice.

Registration and Access

  • The Mobile App is free to use.

  • Users have to download the App from Play Store for Android users and App Store for Apple users.

  1. USER CONTENT

    1. Content Responsibility. 

The Mobile Application permits you to share content, post comments, feedback, etc. (“content”) but you are solely responsible for the content posted by you. You represent that you have required permission to use the content.

When posting content to the Mobile Application, please do not post content that:

  • contains ill-mannered, profane, abusive, racist or hateful language or expressions, text, photographs or illustrations that are pornographic or in poor taste, inflammatory attacks of a personal, racial or religious nature

  • is defamatory, threatening, disparaging, grossly inflammatory, false, misleading, fraudulent, inaccurate, unfair, contains gross exaggeration or unsubstantiated claims

  • is defamatory, threatening, disparaging, grossly inflammatory, false, misleading, fraudulent, inaccurate, unfair, contains gross exaggeration or unsubstantiated claims

  • discriminates on the grounds of race, religion, national origin, gender, age, marital status, sexual orientation or disability, or refers to such matters in any manner prohibited by law

  • violates or inappropriately encourages the violation of any municipal, state, federal or international law, rule, regulation or ordinance

  • transmits viruses or other harmful, disruptive or destructive files

  • sends repeated messages related to another user and/or makes derogatory or offensive comments about another individual or repeats prior posting of the same message under multiple emails or subjects

  • Information or data which are unlawfully obtained

Any such submitted content will be refused. If repeated violations occur, we reserve the right to cancel user access to Mobile Application without advanced notice.

CHARGES

  • You will be charged for using Raa Money money transfer service.

  • We are happy to support you if there is any issue you can contact our back-office team for any inquiry or problem.

  • We take customer feedback very seriously and use it to constantly improve the quality of service.

LIMITED GUARANTEE

By this Mobile Application:

  • We provide an opportunity for you to avail the offered Services from our Mobile Application.

  • We do not provide any warranty or guarantee that the Service descriptions are accurate, complete, reliable, current, or error-free. If a Service offered by the Mobile Application is not as described, your sole remedy is to intimate us about Services for taking further action.

GEOGRAPHIC RESTRICTION

Although the information on this Mobile Application is accessible worldwide, not all services discussed in this Mobile Application are available to all persons or in all geographic locations or jurisdictions. We reserve the right, to limit the usage or supply of any service to any person, geographic region, or jurisdiction. We may use this right as per the necessity. We reserve the right to suspend any Service at any time. Any offer to provide any Service made on this Mobile Application is invalid where banned.

 USER RESPONSIBILITIES

  • You shall use the Service and Mobile Application for a lawful purpose and comply with all the applicable laws while using the Mobile Application;

  • You shall not upload, any content on the Mobile Application that:

    • Defamatory, infringes any trademark, copyright, or any proprietary rights of any person or affect any one’s privacy, contain violence or hate speech, including any sensitive information about any person.

  • You shall not use or access the Mobile Application for collecting any market research for some competing business;

  • You shall not misrepresent or personate any person or entity for any false or illegal purpose;

  • You will not use any device, scraper, or any automated thing to access the Mobile Application for any purpose without taking permission from us.

  • You will inform us about anything that is inappropriate or  you can inform us if you find something illegal in the Mobile Application;

  • You will not interfere with or try to interrupt the proper operation of the Mobile Application through the use of any virus, device, transmission mechanism, software or routine, or access or try to gain access to any data, files, or passwords connected to the Mobile Application through hacking, password or data mining, or any other means;

  • You will let us know about the unsuitable content of which you become aware.  If you discover something that infringes any law, please let us know, and we’ll review it.

We reserve the right to suspend/terminate usage or access to the platform or system

 NO ADVISORY

 Please note that some of the content, text, data, graphics, images, information, suggestions, guidance, and other material (collectively, "Information") that may be available on the Mobile Application (including information provided in direct response to your questions or postings) may be provided by individuals. We do not in any way endorse any individual described herein. In no event shall we be liable to you or anyone else for any decision made or action taken by you in reliance on such information.

 GENERAL CONDITIONS

For the Users

  • We do not guarantee the accuracy, completeness, validity, or timeliness of information listed by us.

  • We make material changes to these terms and conditions from time to time, we may notify you either by prominently posting a notice of such changes or via email communication.

  • The Mobile Application is licensed to you on a limited, non-exclusive, non-transferable, non-sublicensable basis, solely to be used in connection with the Service for your private, personal, non-commercial use, subject to all the terms and conditions of this Agreement as they apply to the Service.

  • You further acknowledge and agree that we have no obligation whatsoever to furnish any maintenance and support services concerning the App.

  • You acknowledge and agree that we are not responsible for addressing any claims you or any third party may have concerning the Mobile Application;

  • We reserve the right to suspend/terminate usage or access to the platform or system.

 

 EXCLUSION OF LIABILITY

You understand and agree that we (a) do not guarantee the accuracy, completeness, validity, or timeliness of information listed by us or any third parties; and (b) shall not be responsible for any materials posted by us or any third party. You shall use your own judgment, caution, and common sense in evaluating any prospective methods or offers and any information provided by us or any third party.

Further, we shall not be liable for direct, indirect consequential, or any other form of loss or damage that may be suffered by a user through the use of Raa Money Mobile Application including loss of data or information or any kind of financial or physical loss or damage.

In no event shall Raa Money, nor its Owner, directors, employees, partners, agents, suppliers, or affiliates, be accountable for any indirect, incidental, special, eventful or exemplary costs, including without limitation, loss of proceeds, figures, usage, goodwill, or other intangible losses, consequential from (i) your use or access of or failure to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any unlawful access, use or alteration of your transmissions or content, whether or not based on guarantee, agreement, domestic wrong (including carelessness) or any other lawful concept, whether or not we've been aware of the possibility of such damage.

 NO RESPONSIBILITY

We are not responsible to you for:

  • any reliance that you may place on any material or commentary posted on our Mobile Application. Please note that nothing contained in our Mobile Application or the material published on it is intended to amount to advice on which you should rely; or

  • any losses you suffer because the information you put into our Mobile Application is inaccurate or incomplete; or

  • any losses you suffer if you misrepresent any fact which may influence the Service provider’s decision to accept the risk or the terms offered; or

  • any losses you suffer because you cannot use our Mobile Application at any time; or

  • any errors in or omissions from our Mobile Application; or

  • any losses you may suffer by relying on any commentary, postings or reviews (of our services or that of our partners) on our Mobile Application; or

  • any unauthorized access or loss of personal information that is beyond our control.

 

 THIRD-PARTY LINKS

The Mobile Application may comprise links to external or third-party Websites (“External Sites”).  These links are provided exclusively as ease to you and not as an authorization by us of the content on such External Sites.  The content of such External Sites is created and used by others.  You can communicate the site administrator of those External Sites.  We are not accountable for the content provided in the link of any External Sites and do not provide any representations about the content or correctness of the information on such External Sites.  You should take safety measure(s) when you are downloading files from all these Websites to safeguard your computer from viruses and other critical programs.  If you agree to access linked External Sites, you do so at your own risk.

 PERSONAL INFORMATION AND PRIVACY POLICY

By accessing or using this Mobile Application, you approve us to use, store, or otherwise process your personal information as per our Privacy Policy.

 ERRORS, INACCURACIES, AND OMISSIONS

Every effort has been taken to ensure that the information offered on this Mobile Application is accurate and error-free. We apologize for any errors or omissions that may have occurred. We cannot give you any warranty that usage of the Mobile Application will be error-free or fit for purpose, timely, that defects will be amended, or that the site or the server that makes it available are free of viruses or bugs or signifies the full functionality, accuracy, reliability of the Mobile Application and we do not make any warranty whatsoever, whether express or implied, relating to fitness for purpose, or accuracy.

 DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

THE MOBILE APPLICATION AND THE SERVICE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND, INCLUDING THAT THE MOBILE APPLICATION WILL OPERATE ERROR-FREE OR THAT THE MOBILE APPLICATION, ITS SERVERS OR ITS CONTENT OR SERVICE ARE FREE OF COMPUTER VIRUSES OR SIMILAR CONTAMINATION OR DESTRUCTIVE FEATURES.

WE DISCLAIM ALL LICENSES OR WARRANTIES, INCLUDING, BUT NOT LIMITED TO, LICENSES OR WARRANTIES OF TITLE, MERCHANTABILITY, NON-VIOLATION OF THIRD PARTIES’ RIGHTS, AND FITNESS FOR PARTICULAR PURPOSE AND ANY WARRANTIES ARISING FROM A MATTER OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE. IN RELATION WITH ANY WARRANTY, CONTRACT, OR COMMON LAW TORT CLAIMS: (I) WE SHALL NOT BE LIABLE FOR ANY UNINTENDED, INCIDENTAL, OR SUBSTANTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS STOPPAGE  RESULTING FROM THE USE OR INABILITY TO ACCESS AND USE THE MOBILE APPLICATION OR THE CONTENT, EVEN IF WE HAVE BEEN RECOMMENDED OF THE POSSIBILITY OF SUCH DAMAGES.

THE MOBILE APPLICATION MAY COMPRISE TECHNICAL INCORRECTNESS OR TYPOGRAPHICAL ERRORS OR OMISSIONS. UNLESS REQUIRED BY APPLICABLE LAWS, WE ARE NOT ACCOUNTABLE FOR ANY SUCH TYPOGRAPHICAL, TECHNICAL, OR PRICING ERRORS RECORDED ON THE MOBILE APPLICATION.  THE MOBILE APPLICATION MAY CONTAIN INFORMATION ON CERTAIN SERVICES, NOT ALL OF WHICH ARE AVAILABLE IN EVERY LOCATION.  A REFERENCE TO A SERVICE ON THE MOBILE APPLICATIONS DOES NOT SUGGEST THAT SUCH SERVICE IS OR WILL BE ACCESSIBLE IN YOUR LOCATION.  WE RESERVE THE RIGHT TO DO CHANGES, CORRECTIONS, AND/OR IMPROVEMENTS TO THE MOBILE APPLICATION AT ANY TIME WITHOUT NOTICE.

 

 Transaction Complaint Policy

1. Scope of Policy.
This policy applies to all transactions processed by Raa Express GmbH, including but not limited to sending and receiving funds.

1. Complaint Submission Period.
Complaints regarding transactions must be submitted within a period of 14 days from the date of the transaction. This period is calculated inclusively, starting from the transaction date as recorded in our systems.

1. Responsibility of Raa Express GmbH.
Raa Express GmbH will endeavor to address and resolve any complaints about transactions that are raised within the specified 14-day period. Complaints received within this timeframe will be subject to a thorough investigation to ensure a fair resolution.

1. Exclusion Beyond Complaint Submission Period.
Raa Express GmbH will not be responsible for addressing or resolving complaints regarding transactions that are raised beyond the 14-day submission period. Complaints received after this period will not be eligible for investigation or resolution under this policy.

1. Reporting Procedure.
To lodge a complaint, customers are required to follow the designated reporting procedure, which includes providing necessary transaction details, the nature of the complaint, and any relevant supporting documentation.

1. Confidentiality.
All complaints and accompanying information will be handled with strict confidentiality and in compliance with relevant data protection laws.

1. Amendments to the Policy.
Raa Express GmbH reserves the right to amend this policy at any time. Any amendments will be communicated through appropriate channels and will be applicable from the date of announcement.

1. Acknowledgment and Acceptance.
By engaging in transactions with Raa Express GmbH, customers acknowledge and accept the terms of this Transaction Complaint Policy.

CONTACT INFORMATION.
For any inquiries or to lodge a complaint, please contact us at info@raamoney.ch
This policy is currently in effect and supersedes any previous transaction complaint policies of Raa Express GmbH.

 TRANSACTION CANCELLATION

Transactions can be canceled within 30 minutes from the time of transaction. Service charges paid for the transactions canceled after 30 minutes will not be refunded. You can reach us out only after 48 hours of the transaction, if the recipient does not receive the cash.

48 hour service: All 48 hour cash transactions are deposited in local currency by our third party business partners through local ATMs or counters. Therefore, Raa Express GmbH will not be responsible for any local legal issues that your recipient may face in this regard.

 

  COPYRIGHT AND TRADEMARK

The Mobile Application contains material, such as software, text, graphics, images, designs, sound recordings, audiovisual works, and other material provided by or on behalf of us (collectively referred to as the “Content”).  The Content may be possessed by us or third parties.   Unauthorized use of the Content may infringe copyright, trademark, and other laws.  You have no right to use the content, and you will not take any Content except as allowed under this Agreement.  No other use is allowed without prior written consent from us.  You must recollect all copyright and other proprietary notices contained in the original Content on any copy you make of the Content.  You may not transfer, provide license or sub-license, sell, or modify the Content or reproduce, display, publicly perform, make a derivative version of, distribute, or otherwise use the Content in any way for any public or commercial purpose.  The use or posting of the Content on any other Mobile Application or in a networked computer environment for any purpose is expressly prohibited.

If you infringe any part of this Agreement, your permission to access and/or use the Content and the Mobile Application automatically terminates and you must immediately destroy any copies you have made of the Content.

Our trademarks, service marks, and logos used and displayed on the Mobile Application are registered and unregistered trademarks or service marks of us.  Other company, product, and service names located on the Mobile Application may be trademarks or service marks owned by others (the “Third-Party Trademarks,” and, collectively with us, the “Trademarks”).  Nothing on the Mobile Application should be construed as granting, by implication, estoppel, or otherwise, any license or right to use the Trademarks, without our prior written permission specific for each such use.    None of the Content may be retransmitted without our express, written consent for every instance.

 INDEMNIFICATION

You agree to defend, indemnify, and hold us and our officers, directors, employees, successors, licensees harmless from and against any claims, actions, or demands, including, without limitation, reasonable legal and accounting fees, arising or resulting from your breach of this Agreement or your misuse of the Content or the Mobile Application.  We shall provide notice to you of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit, or proceeding.  We reserve the right, at your expense, to assume the exclusive defense and control of any matter that is subject to indemnification under this section.  In such case, you agree to cooperate with any reasonable requests assisting our defense of such matter.

 MISCELLANEOUS

 SEVERABILITY

If any provision of these Terms is found to be unenforceable or invalid, that provisiwe_do_not_guaranteeon will be limited or eliminated to the minimum extent necessary so that the Terms will otherwise remain in full force and effect and enforceable.

 TERMINATION

 Term. The Services will be provided to you can be canceled or terminated by us. We may terminate these Services at any time, with or without cause, upon written notice. We will have no liability to you or any third party because of such termination. Termination of these Terms will terminate all of your Services subscriptions.

Effect of Termination. Upon termination of these Terms for any reason, or cancellation or expiration of your Services: (a) We will cease providing the Services; (b) you will not be entitled to any refunds or usage fees, or any other fees, pro-rata or otherwise; (c) any fees you owe to us will immediately become due and payable in full, and (d) we may delete your archived data within 30 days. All sections of the Terms that expressly provide for survival, or by their nature should survive, will survive termination of the Terms, including, without limitation, indemnification, warranty disclaimers, and limitations of liability.

 ENTIRE AGREEMENT

 This Agreement constitutes the entire agreement between the parties hereto concerning the subject matter contained in this Agreement.

 GOVERNING LAW AND JUDICIAL RECOURSE

The terms herein will be governed by and construed under the law of Austria without giving effect to any principles of conflicts of law. The courts of Austria shall have exclusive jurisdiction over any dispute arising from the use of the Mobile Application.

  FORCE MAJEURE

We will have no liability to you, your users, or any third party for any failure to perform our or its obligations under these Terms if such non-performance arises as a result of the occurrence of an event beyond the reasonable control of us, including, without limitation, an act of war or terrorism, natural disaster, failure of electricity supply, riot, civil disorder, or civil commotion or other force majeure event.

 ASSIGNMENT

The Company shall have the right to assign/transfer this agreement to any third party including its holding company, subsidiaries, affiliates, associates, and group companies, without any consent of the User.

 CONTACT INFORMATION

If you have any questions about these Terms, please contact us at info@raamoney.ch.