Terms of Service

1. Services Covered

GuaSend provides digital financial and communication tools, including but not limited to:

• Messenger: In app messaging, chat, and related communication features between users and support.
• Remittance: Cross border money transfer services to supported corridors.
• Indonesian local bank transfer: Transfers to eligible Indonesian bank accounts through licensed partners and payment rails.
• Currency converter: Display of exchange rates and conversion estimates for informational and transaction preparation purposes.

Availability of features may vary by country, partner bank, regulation, and account status. We may add, change, or discontinue features at any time with notice where required by law.

2. Eligibility and Account Security

You must provide accurate registration information and keep your credentials confidential. You are responsible for all activity under your account, including actions taken by anyone who gains access through your device, password, PIN, or biometric unlock.

You agree to notify GuaSend immediately if you suspect unauthorized access. We may suspend or restrict accounts to protect users and the platform.

3. Fees, Rates, and Transactions

Fees, exchange rates, and transfer limits are shown before you confirm a transaction. Currency converter values are indicative and may differ from the rate applied at settlement. You are responsible for reviewing recipient details before sending funds. Completed transfers may not be reversible.

4. Acceptable Use

You may not use the Service for unlawful activity, fraud, money laundering, terrorism financing, harassment, spam, impersonation, or any purpose prohibited by applicable law. You may not attempt to bypass security, scrape data, reverse engineer the app, or interfere with system integrity.

5. Limitation of Liability

User caused security incidents. GuaSend is not responsible for loss or damage arising from hacking, phishing, malware, device theft, weak passwords, shared login details, or other security failures caused by you or persons you allow to use your account or device.

Misuse. GuaSend is not responsible for damages resulting from your misuse of the Service, including incorrect recipient information, unauthorized transfers you approve, use of the messenger for illegal content, or violation of these Terms.

General. To the fullest extent permitted by law, GuaSend and its affiliates, directors, employees, and partners are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, data, or goodwill. Our total liability for any claim relating to the Service is limited to the fees you paid to GuaSend for the transaction giving rise to the claim in the twelve (12) months before the event, except where law requires otherwise.

Nothing in these Terms excludes liability that cannot be excluded under applicable consumer protection or financial services law.

6. User Data and Cooperation with Authorities

We process personal data in accordance with our Privacy Policy and applicable law. You consent that GuaSend may retain, review, and disclose account information, transaction records, device data, logs, and messenger metadata to law enforcement, regulators, courts, or other competent authorities when we reasonably believe disclosure is required to:

• Comply with legal obligation, court order, or regulatory request;
• Investigate or prevent crime, fraud, or security threats;
• Protect the rights, property, or safety of GuaSend, our users, or the public.

This includes cooperation in criminal investigations. You waive any claim against GuaSend for lawful disclosure made in good faith under this section.

7. Compliance and Third Parties

Remittance and Indonesian local bank transfers may be processed through licensed partners, banks, and payment networks. Delays or rejections may occur due to compliance checks, incorrect account details, bank holidays, or force majeure. GuaSend does not control third party systems.

8. Intellectual Property

The Service, branding, software, and content are owned by GuaSend or its licensors. You receive a limited, non exclusive, revocable license to use the Service for personal, lawful purposes in accordance with these Terms.

9. Suspension and Termination

We may suspend or terminate your access if you breach these Terms, pose a security or legal risk, or as required by law. You may close your account subject to settlement of pending transactions and legal retention requirements.

10. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated through the app, email, or website. Continued use after the effective date constitutes acceptance of the updated Terms.

11. Governing Law and Disputes

These Terms are governed by the laws of the Republic of Indonesia, without regard to conflict of law principles, unless mandatory local law in your country of residence requires otherwise. Disputes shall be submitted to the competent courts in Indonesia unless applicable law provides you mandatory jurisdiction elsewhere.

12. Contact

For questions about these Terms, contact GuaSend support through the in app Help or Care channel, or email legal@guasend.com.