Download the app today!
Scan to download the app or click on the buttons below
TELEGIRO, INC. USER AGREEMENT
Updated as of November 19, 2025
LICENSED MONEY TRANSMITTER NOTICE:
CONSUMER FRAUD ALERT: PROTECT YOURSELF. BE CAREFUL WHEN A STRANGER ASKS YOU TO SEND MONEY. NOTIFY US IMMEDIATELY IF YOU BELIEVE YOUR PASSWORD HAS BEEN LOST OR STOLEN OR IF SOMEONE MIGHT BE USING IT WITHOUT YOUR PERMISSION.
_______________
This User Agreement is a contract that governs the terms and conditions under which You may access and use:
The User Agreement is made between Telegiro, Inc. and You. It applies to all methods of access (website or application) that You choose. It begins when You complete Your registration for the Services (the "Effective Date") and continues until it is terminated by You or Us.
IMPORTANT: Your use of Digital Wallet Services is also governed by additional terms. When You use Digital Wallet Services powered by Checkbook Inc., You must also agree to the Checkbook Terms & Conditions for Businesses, which are incorporated by reference and can be found at the end of this Agreement as Appendix A. Both this User Agreement and the Checkbook Terms & Conditions apply to Your use of Digital Wallet Services.
Please read this User Agreement and keep it for Your records. By visiting, accessing, registering with or using the Site or by using the Services, You agree to be bound by the terms and conditions of this User Agreement.
DO NOT USE THE SERVICES IF YOU DO NOT AGREE TO BE BOUND BY THIS USER AGREEMENT. IN THAT CASE, YOU MUST EXIT THE WEBSITE OR UNINSTALL THE MOBILE APPLICATION FROM YOUR DEVICE, AND NOT ACCESS THE SERVICES THROUGH ANY OTHER PLATFORM OR MECHANISM.
_______________
Throughout this User Agreement, "We" (and "Us" and "Our") refer to (and only to) Telegiro, Inc., a Delaware corporation, and "You" (and "Your") refer only to the particular user of the Services who is visiting, accessing, registering or using the Site or otherwise using the Services.
In addition, these terms have the following meanings:
"Account" means Your Telegiro account, including both digital wallet and remittance capabilities.
"Bank Account" means the FBO (For Benefit Of) bank account established for You through our banking partner.
"Checkbook Services" means the digital payment platform services provided by Checkbook Inc., our payment service provider.
"Checkbook Terms" means the Terms & Conditions for Businesses set forth in Appendix A of this Agreement, which govern Your use of Digital Wallet Services powered by Checkbook.
"Destination Country" means the country in which the Recipient receives money through the Remittance Services.
"Digital Wallet Services" means the digital wallet functionality, including but not limited to: account management, domestic payments, check processing, ACH transfers, and related banking services provided through our banking partners.
"Enhanced Wallet" means premium digital wallet services with additional features and capabilities.
"FBO Account" means a "For Benefit Of" account held at our partner bank for Your benefit.
"Payment Service Provider" or "PSP" means a business that collects, analyzes and relays information generated in connection with payments to facilitate payment processing through various networks. In this Agreement, Checkbook Inc. serves as the PSP for Digital Wallet Services.
"Plaid Services" means bank account verification and financial data connectivity services provided by Plaid Inc., which enable secure linking of external bank accounts to Your TeleGiro wallet and verification of account ownership and balances.
"Cash Transaction Services" means cash-in and cash-out transaction services provided through participating ATM terminals operated by our ATM network partners.
"Cash-In Transaction" means a transaction in which You deposit cash at a participating ATM terminal to add funds to Your TeleGiro account.
"Cash-Out Transaction" means a transaction in which You withdraw cash from Your TeleGiro account at a participating ATM terminal.
"Financial Services Provider" or "FSP" means a business/institution that conducts payment settlement operations, typically a licensed financial institution.
"Malicious Code" means computer viruses, trojans, software locks, drop-dead devices, malicious logic or trap door, worms, time bombs, corrupted files or other computer program routines that are intended to delete, disable, deactivate, damage, detrimentally interfere with, surreptitiously intercept or expropriate any systems, data, personal information or property of another.
"Money Services Business" or "MSB" means a business that transmits money or monetary value, as defined by the U.S. Department of Treasury. Telegiro is registered as an MSB with FinCEN for its Remittance Services.
"Network" means any payment settlement network that governs payment processing, including but not limited to, the ACH network, Fedwire®, Check21 network, The Clearing House, and VISA/Mastercard Network.
"Payout Agent" means the financial institution in the Destination Country that will be paying out the Total to Recipient to the Recipient.
"Personal Data" means any information relating to an identified or identifiable individual as defined by applicable privacy laws.
"Prohibited Purpose" means any unlawful purpose (whether such illegality arises in the country from which the funds are transferred or in the country where they are intended to be received, or in any territory with jurisdiction over the Sender or the Recipient) including, without limitation, the transfer or receipt of payment for illegal activities, the transfer of funds which constitute proceeds of crime or money laundering or which are obtained by illegal activity, the transfer of funds for the purpose of funding illegal activity, the transfer of funds for the purpose of avoiding the seizure of such funds by law enforcement authorities or under orders of any court of law, and any transfer of funds without the permission of their owner.
"Recipient" means someone who receives money through the Remittance Services.
"Remittance Services" means the international money transfer services for sending funds to recipients in other countries.
"Sender" means someone who uses the Remittance Services to send money.
"Service Provider" means a local bank, money exchange house, or other third-party service providers in a Destination Country with whom We work in providing the Remittance Services.
"Total To Recipient" means the amount that is paid out to the Recipient, after any foreign exchange conversion, and excluding foreign taxes and any third-party fees charged within the Destination Country.
"Transaction" means any instruction processed through the Services, including remittances, domestic payments, check processing, or other financial transactions.
"Transfer Amount" means the amount of money that a Sender gives Us to send to the Recipient; it excludes the Transfer Fees and is calculated prior to any foreign exchange conversion.
"Transfer Fee" means the fee that We charge to process a Transaction.
_______________
We provide comprehensive digital wallet services through our partnership with Checkbook Inc., a Payment Service Provider (PSP). These services enable You to:
Your use of Digital Wallet Services is subject to both this User Agreement and the Checkbook Terms & Conditions set forth in Appendix A.
Through our partnership with Plaid Inc., We enable You to securely link external bank accounts to Your TeleGiro wallet. This service allows You to:
By linking an external bank account, You provide express consent for TeleGiro and Plaid to access Your bank account information, including account balances, transaction history, and account details. You may revoke this consent at any time, though doing so may limit Your ability to use certain services. Plaid's privacy policy governs their use of Your information and is available at https://plaid.com/legal/#end-user-privacy-policy
Through our ATM network partners, We provide cash-in and cash-out services at participating ATM terminals. These services enable You to:
Cash Transaction Services are subject to applicable network operating rules, including:
As a licensed Money Services Business (MSB), We provide international money transfer services to enable You to transfer money to Recipients located in other countries. These services are provided under our money transmission licenses and federal MSB registration.
The Services are available through the internet by accessing Our website, www.telegiro.com, and via mobile devices by downloading Our mobile application. For Apple devices You may download Our mobile application from the Apple App Store. For Android-powered devices You may download Our mobile application from the Google Play Store.
Cash Transaction Services are available at participating ATM terminals. You can locate participating terminals through Our mobile application or website.
If You access the Services through a mobile device, Your wireless service carrier may bill You for additional charges, such as fees for SMS and data services.
We operate under two distinct regulatory frameworks:
For Remittance Services: We are a licensed Money Services Business (MSB) and money transmitter, authorized to handle and transmit funds internationally. We hold money transmission licenses in Florida and New Jersey and are registered with FinCEN as an MSB.
For Digital Wallet Services: We partner with Checkbook Inc., which acts as the Payment Service Provider (PSP) for these services. Checkbook is not a bank, money transmitter, or MSB, but rather a PSP that works with licensed financial institutions to facilitate payments. Through this partnership, We offer digital wallet functionality without directly handling or transmitting the funds ourselves.
For Bank Account Linking: We partner with Plaid Inc. to provide secure bank account verification and connectivity services. Plaid accesses Your bank account information only with Your express consent and in accordance with applicable laws.
For Cash Transaction Services: We partner with licensed ATM network operators to provide cash-in and cash-out services. Cash transactions are processed according to applicable network operating rules and ATM transaction regulations.
When Checkbook acts as Your agent in collecting payments and funds from payors, We will inform You when funds have been collected and You agree to credit the payors' accounts at the time We provide such confirmation.
The Services are limited to personal, non-commercial use. We do not allow money transfers to or from business entities without explicit authorization.
If We discover that You are using the Services for commercial purposes without authorization, We may, in Our sole discretion, cancel Your Transactions and close Your account.
Our Remittance Services: We are a licensed Money Services Business (MSB) and money transmitter. Our money transmission services are provided under:
Our Digital Wallet Services: These services are provided through our partnership with Checkbook Inc., which operates as a Payment Service Provider (PSP). Checkbook partners with FDIC-insured financial institutions and other regulated payment service providers to offer these services. Checkbook is not a bank, money transmitter, or MSB.
Our Bank Account Linking Services: These services are provided through our partnership with Plaid Inc., which operates as a financial data connectivity provider and is not a bank, money transmitter, or MSB.
Our Cash Transaction Services: These services are provided through partnerships with licensed ATM network operators who are properly licensed and authorized to provide ATM cash services.
_______________
You must be at least eighteen (18) years old to create a Telegiro account and to access and use the Services. You must be able to form legally binding contracts under applicable law.
IMPORTANT RESIDENCY REQUIREMENT: You must be a resident of either Florida or New Jersey to use our Services. We are currently licensed as a Money Services Business only in these two states:
We cannot provide Services to residents of other states at this time. By creating an account, You represent and warrant that You are a bona fide resident of either Florida or New Jersey.
You must register with Us to use the Services by creating a Telegiro account. Your account consists of the information entered or collected in the course of signing up for the Services and any information You subsequently add or update.
To create an account, You must submit certain information, including Your name, email address, text-enabled mobile telephone number, street address and zip code. For Digital Wallet Services, You must also provide account information for at least one verified U.S. bank account.
In connection with Your account or specific Transactions, We may require You to provide Your date of birth, social security number, Your occupation, the source of funds, the reason for transactions, and government-issued identification.
Businesses must provide additional information including street address, telephone number, tax identification number, and for principals: social security number, date of birth, and other identifying information.
The email address You provide during registration will serve as Your username. You must create a password following our Password Guidelines:
YOUR PASSWORD IS HIGHLY CONFIDENTIAL. DO NOT SHARE WITH ANY OTHER PERSON. If You give your password to another person, You will be deemed to have authorized that person to use Your password for any and all purposes, and You will assume the entire risk for fraudulent or unintentional use.
CONTACT US IMMEDIATELY AT (323) 546-9392 OR EMAIL US AT INFO@TELEGIRO.COM IF YOU BELIEVE YOUR USERNAME OR PASSWORD HAS BEEN LOST OR STOLEN OR YOUR TELEGIRO ACCOUNT IS OTHERWISE COMPROMISED.
You authorize Us, directly or through third parties, to make any inquiries We consider necessary to validate and authenticate Your identity and account information. This may include:
For Digital Wallet Services powered by Checkbook, additional verification requirements may apply as set forth in the Checkbook Terms (Appendix A).
Your Digital Wallet Account includes:
All Digital Wallet Services are provided through our partnership with Checkbook Inc. and are subject to the Checkbook Terms & Conditions set forth in Appendix A.
You are fully responsible for maintaining the security of Your Account access credentials. You are responsible for all use of or actions taken using Your Account access credentials, including actions taken by persons to whom You have granted access.
If You become aware of any unauthorized use of Your password or Account, You must notify Us immediately.
By using Digital Wallet Services, You authorize Checkbook (as the Payment Service Provider) and its Financial Services Providers to:
Your authorization remains in effect until You notify Us that You revoke it by contacting Customer Support or closing Your Account. We require reasonable time to act on revocation, not to exceed five business days.
Enhanced Wallet services include premium features and are subject to additional monthly fees. Enhanced Wallet features may include:
Your use of Digital Wallet Services is governed by both this User Agreement and the Checkbook Terms & Conditions for Businesses set forth in Appendix A. In the event of any conflict between this User Agreement and the Checkbook Terms with respect to Digital Wallet Services, the Checkbook Terms shall prevail.
_______________
Through our ATM network partners, You may conduct cash-in and cash-out transactions at participating ATM terminals. These services are governed by applicable network operating rules in addition to this User Agreement.
Deposits: You may deposit cash into Your TeleGiro wallet at participating ATM terminals.
Transaction Limits:
Funds Availability: Funds from cash-in transactions may not be immediately available. Availability is determined by Our funds availability policy and Regulation CC. A notice regarding funds availability will be displayed at participating terminals.
Withdrawals: You may withdraw cash from Your TeleGiro wallet at participating ATM terminals.
Transaction Limits:
Authorization: Each cash-out transaction requires Your authentication and authorization.
Cash transaction fees will be disclosed at the terminal before You complete the transaction. Fees may vary by terminal location and are in addition to any other applicable account fees.
You will receive a receipt for each cash transaction, either printed at the terminal or electronically delivered to Your account. Receipts include:
IMPORTANT: Retain Your receipts for Your records and for resolving any disputes.
If You believe a cash transaction contains an error, You must notify Us immediately at (323) 546-9392. We will investigate in accordance with Our error resolution procedures. You should retain Your transaction receipt when reporting errors.
Dispute Timeframes:
ATM network operators are responsible for the operation and maintenance of ATM terminals. We are not liable for:
Cash Transaction Services are subject to applicable network operating rules, which may be modified from time to time. We will provide notice of material changes to these rules as they affect Your use of the services. We reserve the right to modify these limits at any time for security, fraud prevention, or risk management purposes. We will notify you of material changes to transaction limits.
_______________
Through our partnership with Plaid Inc., You may securely link external bank accounts to Your TeleGiro wallet for verification and funding purposes.
Before linking a bank account, You must provide express consent for:
You acknowledge that this consent applies to all bank accounts You choose to link to Your TeleGiro wallet.
When You link a bank account through Plaid, the following information may be accessed:
We use Your linked bank account information to:
Plaid's use of Your bank account information is governed by their privacy policy, available at https://plaid.com/legal/#end-user-privacy-policy. We recommend You review Plaid's privacy policy before linking Your bank account.
Bank account linking uses secure, encrypted connections. Plaid does not store Your bank login credentials. Account access is maintained through secure API connections with Your financial institution.
You may revoke Your consent and disconnect linked bank accounts at any time by:
IMPORTANT: Revoking consent will disconnect Your linked bank accounts and may limit Your ability to:
You acknowledge that Plaid, as Our service provider, will have access to Your bank account information in order to provide the linking services. Plaid may also share information with Your financial institution as necessary to maintain the connection.
Neither TeleGiro nor Plaid suggests or implies a partnership, sponsorship, or other relationship with Your financial institution based on Your use of bank account linking services.
We are not responsible for:
_______________
Upon release of transaction information by Us or Checkbook, a payor will be debited or charged, unless the payor has already initiated the funds transfer. You agree that the payor's obligation to the recipient is treated as paid after processing has been initiated and the transaction enters "Completed" status.
After initiation of processing, You agree not to attempt to collect or otherwise seek payment from the payor, as the payor's obligation has been conclusively discharged. Transactions may stay in "Pending" state before "Completed" if We are reviewing for risk purposes.
We reserve the right to limit or restrict transaction size or volume at any time. If You would like to increase limits, please contact Customer Support.
You agree to be bound by all applicable Network Rules and acknowledge that all Network transactions You initiate will comply with applicable law. You expressly acknowledge and agree that You are assuming the risk of non-compliance with Operating Regulations.
Transactions may be disputed by payors up to the number of days stipulated in applicable Network regulations from the date the transaction appears in the payor's bank account. Disputes resolved in favor of the payor may result in reversal of the disputed transaction.
The full amount of a payment may be charged back to You if:
You will immediately pay Us the amount of any chargeback and associated fees, fines, and penalties.
For Digital Wallet Services, additional chargeback procedures and fees apply as set forth in the Checkbook Terms (Appendix A).
_______________
To start an international transfer, You must log in to Your account and provide:
You must provide the Recipient's full legal name, address, country, and telephone number (if available). Depending on circumstances including transaction amount and delivery method, We may require additional recipient information including address, telephone number, and copy of government-issued identification.
If the transaction is paid in a currency other than US Dollars, a retail exchange rate will be applied. We retain the difference between the currency exchange rate with which We buy the currency and the rate We use to convert the Transfer Amount into the Total to Recipient.
The exchange rate quoted when You initiate the transaction will be locked-in for a limited time. If You pay outside this time period, the rate may change and You will need to confirm a new exchange rate.
After We verify Your identity, receive proper payment authorization, and complete compliance screening, the transaction is made available to the Recipient on or before the date indicated on the receipt for either in-person pickup or deposit into the Recipient's bank account.
Once We accept a transaction, We will send You a receipt as required by Florida and New Jersey law. The receipt will include:
IMPORTANT: Keep Your receipt. You will need it to track Your transfer, file a complaint, or request a refund.
FEE DISCLOSURE: All fees will be disclosed to You before You authorize any transaction. You have the right to cancel any transaction before authorization without charge.
Digital Wallet Services fees may include:
We charge Transfer Fees on international money transfers, which You pay in addition to the Transfer Amount. Both are due when You initiate Your transaction.
Fee Disclosure Requirements:
Transfer Fees do not include fees that Your bank or the Recipient's bank may charge.
We charge fees for cash-in and cash-out transactions at participating ATM terminals:
Fee Disclosure: All cash transaction fees will be clearly displayed at the ATM terminal before You complete Your transaction. You have the right to cancel the transaction before final authorization without charge.
Additional fees may be charged by terminal operators. These fees will be disclosed at the terminal.
There is no fee charged by TeleGiro for linking external bank accounts through Plaid. However, Your financial institution may charge fees for ACH transfers or account access. Contact Your financial institution for information about their fees.
Some states may assess taxes on Your transactions. The Recipient may receive less due to taxes and additional third-party fees charged within the Destination Country. We will disclose any fees We are aware of, but there may be costs We cannot control, such as:
By Debit Card: You may use a valid debit card issued by a US-based bank or financial institution bearing the Visa or MasterCard logo. You may not use prepaid debit cards or gift cards. By selecting debit card payment, You authorize Us to charge Your debit card for the Transfer Amount, Transfer Fee, and applicable charges.
From Bank Account: You may fund transactions directly from Your verified US bank account or Your FBO account maintained through our services.
IMPORTANT: Once You authorize a transaction, You cannot change the payment method.
_______________
You acknowledge and agree that You will not use the Services in connection with:
Additional prohibited activities for Digital Wallet Services are set forth in the Checkbook Terms (Appendix A).
_______________
Protection Under State Law: As required by Florida and New Jersey money transmitter laws, We maintain:
Your funds are protected from the moment We receive them until they are delivered to Your designated Recipient or returned to You.
To the extent permitted by law, We may set off any obligation You owe Us against any credit in Your Account or amounts due to You. All fees are deducted first from transferred or collected funds and thereafter from Your Account.
If You do not have sufficient funds, We may collect from any funding source associated with Your Account, including funds deposited by You, due to You under this Agreement, or available in Your bank account or other payment instruments registered with Us.
We may require You to maintain a certain balance in Your Account ("Reserve") to secure performance of Your payment obligations. The decision to require and the amount of the Reserve is made at Our sole discretion.
You grant Us a security interest in and lien on all funds held in the Reserve, and authorize Us to make withdrawals and debits from the Reserve without prior notice. You will execute additional documentation required for Us to perfect Our security interest in the Reserve.
We will transfer funds to Your bank account according to the typical schedule applicable to the specific Network used, but no more than 30 days after funds settle, subject to any Reserve requirements.
Settlements may be limited or delayed based on perceived risk and history. We may defer payout or restrict access to funds during investigations, to resolve pending disputes, as required by law or court order, or if requested by law enforcement.
If there is no activity in Your Account (including access and payment transactions) for 24 weeks or more, We reserve the right to close Your Account. Any remaining funds will be handled in accordance with applicable state unclaimed property laws.
For Digital Wallet Services, additional account management terms apply as set forth in the Checkbook Terms (Appendix A).
_______________
Florida and New Jersey Law: You have the right to cancel Your money transmission transaction and receive a full refund of all moneys paid (including Transfer Amount and Transfer Fees) if:
To cancel, You must contact Us immediately at (323) 546-9392 with Your transaction reference number.
We will process Your refund within ten (10) business days of receiving Your valid cancellation request. Refunds will be issued:
We cannot provide a refund if:
For goods or services purchased through Digital Wallet Services, You must:
_______________
We will protect the privacy of Your information as detailed in Our online privacy policy available at https://telegiro.com/privacy-us-consumers/. By agreeing to this User Agreement, You acknowledge and consent to Our privacy policy.
You authorize Us to contact You and other individuals to make inquiries and request additional information to validate information on Our records. We may share information about You and Your transactions with our Financial Services Providers, Networks, and other partners who may use this information to perform their obligations, operate their networks, perform analytics, prevent fraud, and for other lawful purposes.
Specific Third-Party Service Providers:
Checkbook Inc. (Payment Processing Platform): We share transaction and account information necessary to process payments and maintain Your digital wallet.
Plaid Inc. (Bank Account Verification): When You link an external bank account, You authorize Us and Plaid to access Your bank account information, including balances, transaction history, and account details. Plaid's use of Your information is governed by their privacy policy at https://plaid.com/legal/#end-user-privacy-policy
ATM Network Operators (Cash Transaction Services): We share transaction information necessary to process cash-in and cash-out transactions at ATM terminals, including transaction amounts, dates, and account identifiers.
Banking Partners: We share information necessary to maintain Your FBO account and process banking transactions.
Compliance and Security Vendors: We share information as necessary to meet our regulatory obligations and maintain security standards.
We have implemented technical and organizational measures designed to secure Your information from accidental loss and unauthorized access, use, alteration or disclosure. However, We cannot guarantee that unauthorized third parties will never defeat these measures or use Your information for improper purposes.
As Required by Law: We maintain records of Your transactions and account information as required by federal and state law:
You may request copies of Your transaction records by contacting Customer Support. We may charge a reasonable fee for providing copies of historical records.
You have the right to dispute errors in Your transactions. If You think there is an error, You must contact Us within 180 days by telephone at (323) 546-9392 or at info@telegiro.com.
Please let Us know if You have problems with the Services or have complaints, comments, or need further information. You may contact:
Consumer Financial Protection Bureau
FLORIDA RESIDENTS:
Your Rights Under Florida Law:
As a Florida-licensed money transmitter (License #FT230000431), We are regulated by the Florida Office of Financial Regulation under Chapter 560, Florida Statutes. You have the following rights:
Florida Office of Financial Regulation
Division of Consumer Finance
200 East Gaines Street
Tallahassee, FL 32399-0371
Phone: (850) 487-9687
Toll-Free: 1-800-848-3792
Website: www.flofr.gov
NEW JERSEY RESIDENTS:
Your Rights Under New Jersey Law:
As a New Jersey-licensed money transmitter (License #2305779), We are regulated by the New Jersey Department of Banking and Insurance under N.J.S.A. 17:15C-1 et seq. You have the following rights:
New Jersey Department of Banking and Insurance
Division of Banking
20 West State Street
PO Box 040
Trenton, NJ 08625-0040
Phone: (609) 292-7272
Consumer Hotline: 1-800-446-7467
Website: www.dobi.nj.gov
_______________
We use state-of-the-art security measures to ensure Your personal information remains secure. However, We advise You to consider very carefully before sending money to anyone You do not know well. Be very cautious of deals or offers that seem too good to be true, as they may be scams.
To protect Yourself from fraud:
Be aware of "phishing" scams designed to gain access to Your accounts or get You to send money. Be especially cautious of communications suggesting:
If You think You have been or might be a victim of fraud, or if You are aware of anyone using the Services inappropriately, contact Us immediately at (323) 546-9392 or info@telegiro.com, or contact Your local law enforcement.
_______________
You represent, warrant and undertake that:
We represent, warrant and undertake that:
Additional representations and warranties for Digital Wallet Services are set forth in the Checkbook Terms (Appendix A).
_______________
You will indemnify, defend and hold Us harmless from and against any and all claims, costs, losses, damages, judgments, tax assessments, penalties, interest, and expenses (including reasonable attorneys' fees) arising out of any claim that arises out of or relates to:
We will indemnify, defend and hold You harmless from and against claims arising out of:
Additional indemnification provisions for Digital Wallet Services are set forth in the Checkbook Terms (Appendix A).
_______________
EXCEPT TO THE EXTENT OF OUR GROSS NEGLIGENCE, FRAUD, OR WILLFUL MISCONDUCT AND TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES.
OUR LIABILITY UNDER THIS AGREEMENT SHALL NOT EXCEED THE FEES RECEIVED BY US IN THE IMMEDIATELY PRECEDING 12 MONTHS FOR REMITTANCE SERVICES OR 6 MONTHS FOR DIGITAL WALLET SERVICES.
We are not liable for:
For Digital Wallet Services provided through Checkbook, additional limitations of liability apply as set forth in the Checkbook Terms (Appendix A).
_______________
THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
WE DO NOT WARRANT THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, BE UNINTERRUPTED OR SECURE, OR BE FREE OF DEFECTS, ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS.
Additional warranty disclaimers for Digital Wallet Services are set forth in the Checkbook Terms (Appendix A).
_______________
We may terminate this Agreement and close Your Account for any reason or no reason at any time with notice to You. We may also suspend the Services and access to Your Account if You:
If Your Account is terminated, You agree to:
When You close Your Account, any pending transactions will be canceled. Any funds We are holding for You at closure, less applicable fees, will be paid out according to Our payout schedule, assuming all payout-related authentication requirements have been fulfilled.
Any provision reasonably necessary to accomplish or enforce the purpose of this Agreement shall survive and remain in effect upon termination.
_______________
You agree and consent to receive all communications, agreements, documents, notices and disclosures that We provide in connection with Your Account and the Services electronically.
Communications may be sent by:
By selecting "I Agree" or similar buttons, You are signing this Agreement electronically. You agree that Your electronic signature is the legal equivalent of Your manual signature. Your use of a mobile device to select items, buttons, icons or similar acts constitutes Your signature, acceptance and agreement.
You may withdraw Your consent to receive disclosures in electronic format at any time by notifying Us at info@telegiro.com or (323) 546-9392. However, withdrawal may result in termination of Your registration and preclude Your use of the Services.
_______________
All claims and disputes between You and Us, including but not limited to any claims relating to this Agreement, are to be settled by binding arbitration in the state of Delaware or another location mutually agreeable to the parties.
Unless otherwise required by law:
The arbitration proceeding will:
YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY AND YOUR RIGHT TO HAVE A COURT RESOLVE ANY SUCH DISPUTE.
For Digital Wallet Services disputes, additional arbitration provisions may apply as set forth in the Checkbook Terms (Appendix A).
_______________
This Agreement is governed by the laws of the United States and the State of Delaware, without regard to conflicts or choice of laws principles.
All actions and proceedings arising from this Agreement must be brought in the State of Delaware, County of Kent, and both You and We waive any right to object to such courts or venue.
This User Agreement, along with Our privacy policy, the Checkbook Terms & Conditions (Appendix A), and any referenced policies, constitutes the entire agreement between You and Us and supersedes all prior agreements and undertakings.
We may modify this User Agreement from time to time without notice to You, except as may be required by law. You can review the most current version at any time on Our website. You may terminate Your use of the Services if You do not agree with any modification. If You use the Services after the effective date of an amendment, You shall be deemed to have accepted that amendment.
If any provision of this Agreement is held to be invalid or unenforceable, such provision will be deemed modified to the minimum extent necessary to make it valid and enforceable, and the rest of this Agreement will not be affected.
You may not transfer or assign this Agreement to any other person without Our prior written consent. We may assign Our obligations to You under this Agreement without Your consent or prior notice.
Any failure by either party to enforce any right or provision under this Agreement shall not constitute a waiver of such right or provision.
If performance is made impossible by circumstances beyond a party's reasonable control (including fire, explosion, power failure, acts of God, war, revolution, civil commotion, acts of public enemies, government actions, labor unrest), such party shall be excused from performance to the extent of such interference.
_______________
Telegiro, Inc.
For technical support or account assistance, You may also contact Us through Your Account dashboard or mobile application.
For Florida Residents:
Florida Office of Financial Regulation
Division of Consumer Finance
200 East Gaines Street
Tallahassee, FL 32399-0371
Phone: (850) 487-9687
Toll-Free: 1-800-848-3792
Website: www.flofr.gov
For New Jersey Residents:
New Jersey Department of Banking and Insurance
Division of Banking
20 West State Street, PO Box 040
Trenton, NJ 08625-0040
Phone: (609) 292-7272
Consumer Hotline: 1-800-446-7467
Website: www.dobi.nj.gov
For All Customers:
Consumer Financial Protection Bureau
Phone: 855-411-2372
TTY/TDD: 855-729-2372
Website: www.consumerfinance.gov
APPENDIX A
Last Updated: January 1, 2025
These Checkbook Terms & Conditions ("T&Cs" or "Terms") are incorporated by reference into the TeleGiro User Agreement and govern Your use of Digital Wallet Services powered by Checkbook Inc.
"Checkbook" or "Service" means the Checkbook API, website, applications, and all services provided through the website or application, as referenced in the Telegiro User Agreement.
"Customer" or "You" means the business or individual using the Checkbook Service through TeleGiro.
"Payor" means an individual who is debited or whose bank account is charged to fund a transaction.
"Payee" or "Recipient" means the individual receiving funds from a transaction.
"Transaction" means payment instructions Customer provides, which may be sent through various Networks depending on the payment method.
"Output" means the information Checkbook returns to Customer about Transaction status and Payor details.
These T&Cs govern the rights and obligations of Customer and Checkbook. Customer acknowledges that Checkbook has entered into agreements with third-party Financial Services Providers (FSPs) and Payment Service Providers (PSPs) to facilitate Customer's Transactions. Customer is required to comply with all applicable Network Rules as defined in these T&Cs. To the extent these T&Cs conflict with any other written agreement between Customer and Checkbook, these T&Cs control.
Customer agrees to pay the Fees specified in the Order Form or as otherwise agreed upon in writing. Fees are based on Transaction volume and service usage as detailed in Your TeleGiro account settings.
Checkbook may increase or change its fees upon seventy-five (75) days' written notice to Customer at any Renewal Term. Checkbook reserves the right to make increases based on changes to the Consumer Price Index (CPI) at any time with thirty (30) days' notice. Customer's continued use of the Service after the notice period constitutes acceptance of the new fees.
Customer represents and warrants that all information provided to Checkbook is accurate, current, and complete. Customer agrees to notify Checkbook immediately of any changes to this information.
Customer agrees to comply with all applicable laws, regulations, and Network Rules, including but not limited to anti-money laundering (AML) laws, Know Your Customer (KYC) requirements, and all applicable federal and state payment processing regulations.
Customer is responsible for maintaining the security of its Account credentials and must implement appropriate security measures to prevent unauthorized access. Customer must notify Checkbook immediately of any suspected security breach.
Customer may not use the Service for any illegal activities or to process payments for:
THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. CHECKBOOK DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE FROM DEFECTS.
CHECKBOOK'S TOTAL LIABILITY UNDER THESE T&CS IS LIMITED TO THE LESSER OF: (A) THE FEES PAID BY CUSTOMER TO CHECKBOOK IN THE SIX (6) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100) IF NO FEES HAVE BEEN PAID.
CHECKBOOK SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, OR LOSS OF REVENUE, REGARDLESS OF WHETHER CHECKBOOK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
The initial term begins on the date Customer accepts these T&Cs and continues for the period specified in the Order Form.
Unless either party provides written notice of non-renewal at least sixty (60) days before the end of the current term, these T&Cs will automatically renew for successive one-year periods.
Either party may terminate these T&Cs immediately if the other party materially breaches these T&Cs and fails to cure such breach within thirty (30) days of written notice.
Upon termination, Customer's access to the Service will cease, and any outstanding fees become immediately due and payable. Checkbook will process pending Transactions but will not accept new Transactions.
Customer acknowledges that Checkbook will process Personal Data in accordance with its Privacy Policy. Customer represents and warrants that it has obtained all necessary consents and authorizations to share Payor information with Checkbook and has provided appropriate privacy notices to Payors.
All intellectual property rights in the Service, including but not limited to software, technology, trademarks, and documentation, remain the exclusive property of Checkbook. Customer receives a limited, non-exclusive, non-transferable license to use the Service solely for its internal business purposes during the term of these T&Cs.
Customer agrees to indemnify, defend, and hold harmless Checkbook and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from: (a) Customer's breach of these T&Cs, (b) Customer's violation of any law or regulation, (c) Customer's violation of any third-party rights, or (d) Customer's use of the Service.
Any dispute arising from or relating to these T&Cs shall be resolved through binding arbitration administered by JAMS in San Francisco, California, in accordance with its Commercial Arbitration Rules.
Customer agrees to resolve disputes on an individual basis and waives any right to participate in a class action or class-wide arbitration.
Neither party shall be liable for any failure to perform its obligations under these T&Cs if such failure results from circumstances beyond its reasonable control, including but not limited to natural disasters, acts of war, government actions, internet failures, or labor disputes.
Customer agrees to comply with all applicable Network Rules, including ACH Operating Rules, Nacha Rules, VISA Network Rules, and Mastercard Network Rules. Checkbook reserves the right to suspend or terminate Service if Customer violates any Network Rules.
Checkbook reserves the right to modify, suspend, or discontinue any aspect of the Service at any time with reasonable notice to Customer. Checkbook shall not be liable for any modification, suspension, or discontinuation of the Service.
Customer may not assign these T&Cs without Checkbook's prior written consent. Checkbook may assign these T&Cs without Customer's consent. Any attempted assignment in violation of this section is void.
These T&Cs shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles.
These T&Cs, together with the TeleGiro User Agreement and any Order Forms, constitute the entire agreement between Customer and Checkbook regarding the Service and supersede all prior agreements and understandings, whether written or oral.
If any provision of these T&Cs is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
No waiver of any provision of these T&Cs shall be deemed or shall constitute a waiver of any other provision, nor shall any waiver constitute a continuing waiver unless otherwise expressly provided in writing.
All notices under these T&Cs must be in writing and sent to the addresses specified in Customer's Account or as otherwise provided by the parties. Notices sent by email are deemed effective upon receipt.
These T&Cs do not create any third-party beneficiary rights except as expressly stated. FSPs and PSPs are intended third-party beneficiaries with respect to provisions related to their services.
The parties are independent contractors. Nothing in these T&Cs creates a partnership, joint venture, agency, or employment relationship between the parties.
Checkbook reserves the right to audit Customer's use of the Service to ensure compliance with these T&Cs and applicable laws. Customer agrees to cooperate with such audits and provide reasonable access to relevant records.
Each party agrees to maintain the confidentiality of the other party's confidential information and use it solely for purposes of performing under these T&Cs. This obligation survives termination for three (3) years.
If Customer provides Checkbook with any feedback, suggestions, or recommendations regarding the Service, Checkbook may use such feedback without obligation or compensation to Customer.
Checkbook reserves the right to implement risk management measures, including but not limited to transaction monitoring, velocity limits, and enhanced due diligence. If Checkbook determines that Customer poses unacceptable risk, Checkbook may:
Customer agrees to assist Checkbook when requested to investigate Transactions processed through the Service. Customer permits Checkbook to share chargeback information with Payors and financial institutions. Customer must provide necessary documentation within seven (7) days of Checkbook's request. Failure to assist may result in irreversible chargebacks.
Upon release of Transaction information, a Payor will be debited or charged unless the Payor has already initiated the funds transfer. Customer agrees that the Payor's obligation is treated as paid after processing is initiated and the Transaction enters "Completed" status. Customer agrees not to attempt additional collection from the Payor after completion.
Transactions may be disputed by the Payor for the period specified in applicable Network regulations. Disputes resolved in favor of the Payor may result in Transaction reversal.
Checkbook reserves the right to limit or restrict Transaction size or volume at any time.
Checkbook will transfer funds according to the Network's typical schedule, but no more than thirty (30) days after funds settle, subject to any Reserve requirements. If Checkbook cannot transfer funds due to inaccurate information, Checkbook may refund the funds to the Payor.
Settlements may be limited or delayed based on perceived risk and Customer's history with Checkbook.
Checkbook may defer payout during investigations, disputes, or as required by law or court order.
If Checkbook suspects future chargebacks based on Customer's transaction history, Checkbook may defer payout until the risk of chargeback has passed.
Checkbook may require Customer to maintain a Reserve to secure performance of payment obligations. The decision to require and amount of the Reserve is at Checkbook's sole discretion.
If Customer lacks sufficient funds for the Reserve, Checkbook may fund it from any funding source associated with Customer's Account, including funds credited to the Account, funds due under these T&Cs, or funds in Customer's bank account.
Customer grants Checkbook a security interest and lien on all Reserve funds and authorizes withdrawals and debits without prior notice.
Customer will execute all documentation required for Checkbook to perfect its security interest in the Reserve.
Customer irrevocably assigns to Checkbook all rights and interests to interest and earnings that accrue in the Reserve.
Customer agrees to process returns and refunds through its Account in accordance with these T&Cs and Network Rules. Customer must:
By accepting these T&Cs, Customer agrees to receive all Communications electronically.
Communications may be sent by email to Customer's registered address, by email link, or by posting at www.checkbook.io where permitted by law.
No modification or amendment to these T&Cs shall be binding unless in a written instrument signed by authorized representatives of both parties.
Any provision reasonably necessary to accomplish or enforce the purpose of these T&Cs shall survive termination, including but not limited to indemnification, limitation of liability, confidentiality, and dispute resolution provisions.
These T&Cs constitute the entire agreement between Customer and Checkbook regarding the Service and supersede all prior agreements. If any provision is invalid or unenforceable, it shall be modified to accomplish its objectives to the greatest extent possible, and remaining provisions shall continue in full force. Checkbook's failure to assert any right or provision shall not constitute a waiver.
© 2025 Checkbook Inc.
_______________
END OF APPENDIX A
_______________
By using the Digital Wallet Services, You acknowledge that You have read, understood, and agree to be bound by both this TeleGiro User Agreement and the Checkbook Terms & Conditions set forth in this Appendix A.
_______________
© 2025 TeleGiro, Inc. All Rights Reserved.
Florida Money Transmitter License #FT230000431
New Jersey Money Transmitter License #2305779
FinCEN MSB Registration
Scan to download the app or click on the buttons below