Terms & Conditions

These Terms & Conditions govern your use of KlemRemit and the money transfer, payment, and related services made available through the platform. By registering for or using KlemRemit, you agree to these terms.

By accessing or using KlemRemit, you confirm that you have read, understood, and agreed to these Terms & Conditions.

If you do not agree with these terms, you should not use KlemRemit or any of its services.

You must provide accurate and complete information when creating your KlemRemit account and keep your information up to date.

You are responsible for protecting your password, PIN, authentication details, and other credentials used to access your account.

Your KlemRemit account must only be used by you or an authorised representative where applicable.

KlemRemit enables users and businesses to send, receive, and manage cross-border payments and money transfers through supported payment channels.

The availability of specific currencies, corridors, payment methods, and the availability of our payment services depend on your location, account status, regulatory requirements, and the availability of our payment providers.

You authorise KlemRemit to process transfers based on the information and instructions you provide.

You are responsible for reviewing the recipient details, transfer amount, currency, fees, and other transaction details before confirming a transfer.

Transfer times may vary depending on the destination country, currency, payment method, receiving institution, compliance checks, and third-party providers.

Where applicable, KlemRemit will display the exchange rate applicable to a transaction before you confirm the transfer.

Certain transfers and services may attract fees. Applicable fees will be displayed before you complete a transaction.

Additional charges may be imposed by receiving banks, payment providers, or other third parties.

KlemRemit may require you to provide identification and other information before allowing you access to certain services.

KlemRemit must conduct checks required by applicable anti-money laundering, counter-terrorist financing, and other financial regulations.

We may request additional information or documentation where required to verify a transaction or comply with applicable regulatory requirements.

You must use KlemRemit only for lawful purposes and in accordance with applicable laws and regulations.

You must not use KlemRemit to facilitate fraud, money laundering, terrorist financing, sanctions violations, or transactions involving prohibited goods or services.

KlemRemit may delay, reject, restrict, or cancel transactions where suspicious or prohibited activity is identified.

KlemRemit may suspend or restrict your account where there is suspected fraud, security risk, regulatory concern, or violation of these terms.

You may request to close your KlemRemit account, subject to the completion of pending transactions and any other outstanding obligations.

KlemRemit takes reasonable measures to protect your account, personal information, and transactions.

We aim to keep KlemRemit available and reliable, but we cannot guarantee uninterrupted access at all times.

You are responsible for maintaining the security of your account and promptly reporting suspected unauthorized access or activity.

KlemRemit may rely on banks, payment institutions, financial institutions, payment providers, and other third parties to process certain transactions.

Some services may also be subject to the terms and conditions of the relevant third-party provider.

KlemRemit's software, platform, branding, interface, content, and other materials are protected by applicable intellectual property laws.

You may use KlemRemit only for its intended purposes and may not copy, modify, distribute, reverse engineer, or commercially exploit any part of the platform without permission.

To the extent permitted by applicable law, KlemRemit will not be liable for losses resulting from circumstances outside our reasonable control, third-party service failures, or unauthorized access caused by your failure to protect your account credentials.

Nothing in these terms limits any liability that cannot legally be excluded.

We may update these Terms & Conditions to reflect changes to our services, legal requirements, or business operations.

Where required, we will provide notice of material changes through the platform or other communication channels.

Your continued use of KlemRemit after updated terms take effect constitutes acceptance of the revised terms.

These Terms & Conditions are governed by the applicable laws and regulations relevant to the jurisdiction in which KlemRemit operates.

Any disputes relating to these terms will be handled in accordance with applicable law and the relevant dispute resolution process.

If you have questions about these Terms & Conditions or transfers in your KlemRemit account, please contact KlemRemit through the official support channels.