Terms and conditions

Last Modified: June 16, 2024

Welcome to Awashdirect Money Transfer's website (www.awashdirect.com) ("website") and mobile application ("mobile app," and together the with website, the "Application"). The following terms and conditions (these "Terms and Conditions") represent a contract between you and Awashdirect and apply to your use of the Application, including any content, functionality and services offered on or through the Application for purposes of making an online money transfer payment to a designated recipient. A "money transfer" is defined as the transmission of funds to a designated beneficiary, pursuant to payment terms entered directly by you into the Application. A "beneficiary" is defined as the individual designated by you as the receiver of the money transfer, who is acceptable to us, and who receives the money transfer at a designated paying agent location. A "paying agent" is defined as an entity, appointed by us, to pay out money transfer transactions in the destination country identified in your payment instructions. "Service charge" is defined as the fee charged by us in connection with the money transfer. In these Terms and Conditions, "you," "your," and "user" refer to the person giving this consent.

CONSUMER FRAUD ALERT: WIRING MONEY IS JUST LIKE SENDING CASH. PROTECT YOURSELF FROM FRAUD BY SENDING MONEY ONLY TO PERSONS YOU KNOW OR CAN OTHERWISE VERIFY TO BE TRUSTWORTHY. IF YOU BELIEVE YOU ARE THE VICTIM OF FRAUD OR A SCAM, PLEASE CONTACT US IMMEDIATELY AT (888)–445-5292 OR BY EMAIL AT INFO@AWASHDIRECT.COM

(1) Consent to use Electronic Records, Notices, and Communications

As part of your relationship with Awashdirect, you are entitled to receive certain information, such as notices, disclosures, and statements in writing.

To help with our efforts to protect the environment, and to facilitate mobile use of our service, we ask that you give us permission to provide these notices, disclosures, and statements to you electronically; otherwise, we will be required to furnish them to you in paper form.

A. Your consent to use electronic records and your right to withdraw consent and SMS text

To the extent permitted by law, you consent to receive in electronic form all the disclosures we would otherwise be required to provide to you in paper form, including those listed below. Your consent will remain in effect until you withdraw it. You may withdraw your consent to receive further notices or disclosures electronically at any time through the Application, or by contacting us toll-free at (888)–445-5292 at no charge and providing your name and mobile phone number or email address and telling us you are withdrawing your consent. If you withdraw your consent to receive electronic notices, your account will be closed.

B. Your consent covers the following documents:

Your consent applies to all the disclosures we would otherwise be required to provide you in paper form, including, but not limited to, receipts for your money transfer transaction and terms and conditions applicable to your money transfer transaction (such as these Terms and Conditions), any updates or changes in those documents, and other informational mailings regarding your transactions or ways to protect your account.

C. You must keep your email or electronic address current with us.

To ensure that we can provide notices, disclosures and statements to you electronically, you must notify us of any change in your email or other electronic address and any change in your mobile phone number.

D. Hardware and software you will need.

D. Hardware and software you will need. To access and retain the notices, disclosures, and statements we provide to you electronically, you must have:

For website:

• A computer system that operates on a platform like Windows or Mac environment or better.
• A connection to the Internet.
• A current version of Internet Explorer 8 (or higher) or Mozilla Firefox 7.0, Safari 5, Chrome 15 or Edge. Users utilizing other browsers may experience compatibility difficulties.
• A current version of a program that accurately reads and displays PDF files, such as Adobe Acrobat Reader version 7 or higher.
• A computer or device and an operating system capable of supporting all the above.
• A printer to print out and retain records on paper, or electronic storage if you wish to retain records in an electronic form. You should retain a copy of all the notices, disclosures and statements we sent to you electronically.

For mobile app:

• A mobile device that operates on Android 8+ or iOS minus one.
• You must be signed into the current version of the mobile application on your mobile device.
• By “current version,” we mean a version of the software that is currently being supported by its publisher.
• We reserve the right to discontinue support of a current version of the software if, in our opinion, it suffers from a security or other flaw that makes it unsuitable for use with your account. And we always reserve the right, in our sole discretion, to communicate with you via the U.S. Postal Service.
• Please indicate your consent to receive and use electronic records, communications, and notices by checking the “I consent to receive my agreements and disclosures electronically” box. By providing your consent, you are also confirming that you have the hardware and software described above, that you can receive and review electronic records, and that you have an active email account. You are also confirming that you have read and understand this consent to use electronic records, communications, notices, and signatures, and that you are authorized to, and do, consent on behalf of all the other co-owners of your account.
• Application users, please print and keep this page for your records.

(2) Other Terms and Conditions

A. Acceptance of the Terms and Conditions and Privacy Policy

Please read the Terms and Conditions carefully before you start to use the Application. By using the Application and by clicking to accept or agree to the Terms and Conditions when this option is made available to you, you accept and agree to be bound and abide by these Terms and Conditions and our Privacy Policy with respect to the service and money transfer transactions originated from the Application, which is described below. If you do not want to agree to these Terms and Conditions or the Privacy Policy, you must exit the Application, and not use our Money Transfer Service.

B. Privacy Policy

Awashdirect does not disclose nonpublic personal information about its consumers or former consumers to anyone, except as permitted by law. The law permits disclosure of nonpublic personal information, for example, where it is necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with the servicing or processing of a financial product or service requested or authorized by the consumer. The law also permits such sharing where it is released to protect the confidentiality or security of our records pertaining to our consumers, the services, or products we offer, or the transactions we process or handle. The law also allows for the release of nonpublic personal information to protect against or prevent actual or potential fraud, identity theft, unauthorized transactions, claims, or other liability, as well as for resolving consumer disputes or inquiries. The law further allows the release and/or disclosure of nonpublic personal information to comply with federal, state, or local laws or regulations or other legal requirements, such as subpoenas or other legal processes. This list of examples of the types of sharing of information that is permitted by law is not meant to be comprehensive but provides you with some basic information on some of the types of sharing permitted by law.

Awashdirect does not sell to or exchange consumer lists or consumer information with third parties.

Awashdirect restricts access to nonpublic personal information about you to those employees and agents who need to know that information to provide products or services to you. We also maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

By providing us with a telephone number, including a mobile telephone number, you consent to receive auto dialed and prerecorded message calls from us. If we determine that a telephone number you provided is a mobile telephone number, you consent to receive text messages from us about your use of our service at that number, which we may do at our sole discretion. Message and data rates may apply. To stop receiving text messages, text "STOP" . Users may also call Awashdirect at (888)–445-5292 OR BY EMAIL AT INFO@AWASHDIRECT.COM for assistance.

Privacy Complaints

If you have complaint regarding our processing of your personal data, you may contact us INFO@AWASHDIRECT.COM

Depending on the applicable privacy law, you may have the right to make complaint to Consumer Financial Protection Bureau (CFPB) if you believe we have failed to comply with our obligations under privacy law.

C. Accessing the Application and Account Security

By using the Application, you represent and warrant that you are 18 years or older and of legal age to form a binding contract with Awashdirect.

We reserve the right to withdraw or amend the Application, and any service or material we provide on the Application, in our sole discretion without notice, except as otherwise required by law. We will not be liable if, for any reason all, any part of the Application is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Application, or the entire Application, to users, including, but not limited to registered users.

You are responsible for making all arrangements necessary for you to have access to the Application and for maintaining the hardware and software noted in our Consent to Use Electronic Records, Notices and Communications in Section 1 above.

You are responsible for ensuring that all persons who access the Application through your mobile device or internet connection are aware of these Terms and Conditions, have agreed to the Terms and Conditions, and that they comply with them.

To access the Application or some of the resources they offer, you may be asked to provide certain registration, identification, and authentication details or other information. It is a condition of your use of the Application that all the information you provide to us is correct, current, and complete always.

If you become a registered user of our money transfer service and you choose, or you are provided with, a username, password, verification code, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. You agree to immediately notify Awashdirect of any unauthorized use of your username or password, code, or any other breach of security. You also agree to ensure that you exit your account at the end of each session. You agree that you are only allowed to create and maintain one registered user account. You should use caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.

We have the right to disable any user identification code or password, whether chosen by you or provided by us, in our sole discretion for any or no reason, including, if, in our opinion, you have failed to comply with any provision of these Terms and Conditions.

D. The Service

Awashdirect provides registered users of the service (each a "user") with the ability to initiate money transfers to designated beneficiaries located in many countries around the world, over the Internet using a United States issued a Visa® or MasterCard® branded debit card issued by a United States-based bank ("debit cards"), or user’s bank account with a United States-based financial institution ("bank account"). To use the service, you will be required to provide us with the information necessary for us to verify your identity, obtain proper bank card or bank account authorization, and complete the money transfer in compliance with applicable federal, state, and foreign laws and regulations. Beneficiary information and verification may also be required. When required by applicable law, money transfers will be reported to federal, state, local, or foreign authorities. Unless explicitly stated otherwise, any new features that augment or enhance the current service shall be subject to these Terms and Conditions.

For specific information regarding our service, please contact Awashdirect Customer Service Team at (888)–445-5292

E. Currency Exchange

If you instruct us to pay out a money transfer to a beneficiary in a currency ("payout currency") other than United States Dollars ("USD"), a retail exchange rate may be applied, in addition to any service charge appearing on the face of your receipt. The payout currency for such money transfer is acquired by us at a wholesale rate that fluctuates but may approximate the wholesale rate for such payout currency listed in newspapers such as the Wall Street Journal. The difference between the retail exchange rate applied to such money transfer transactions and the wholesale exchange rate at which we acquired the payout currency will be kept by us and/or the paying agent as revenue, in addition to any service charges.

The paying agent must pay out money transfers in the payout currency indicated in the money transfer payment instructions. If a recipient desires payment of the money transfer in a currency other than the payout currency, the recipient and paying agent must enter into a separate foreign exchange transaction to convert the payout currency into the recipient’s currency of choice ("foreign exchange transaction"). Such foreign exchange transaction is a separate transaction between the recipient and the paying agent only and Awashdirect has no responsibility for or liability in connection with such foreign exchange transaction.

F. Payment Authorization

When you initiate and submit a money transfer transaction on the Application, you authorize Awashdirect (or its designated agent) to charge your designated debit card or bank account for the amount of such money transfer transaction, and Awashdirect associated service charge. You are responsible for ensuring that your designated payment method has sufficient funds or credit available for payment of your money transfer transaction. If Awashdirect executes payment of a money transfer pursuant to your money transfer instructions and subsequently is advised that your designated debit card or bank account had insufficient funds available, you remain liable to Awashdirect for the full amount of any such payment of the money transfer by Awashdirect and the Awashdirect associated service charge. You authorize us to initiate debit entries to your bank account in connection with the money transfer service. You also authorize us to initiate debits to correct errors. This authorization shall remain in full force and effect until we have received notification from you of its termination; you may revoke your authorization only by notifying us by telephone at (888)–445-5292

You agree that all transactions authorized by you shall comply with all applicable federal, state, and international laws.

Money transfers that have been authorized by a user shall be processed only on the condition that the issuer of the respective debit card, or the user’s bank, has authorized the corresponding charges or debits. Each user using the service acknowledges and agrees that Awashdirect is authorized to charge the respective debit card or debit the respective bank account, for the principal amount of the money transfer, the service charge, and any other applicable fees. The issuing bank for your debit card or the financial institution where your bank account is open may also have terms and conditions that apply to your use of the debit card, or bank account (as applicable) and you must refer to such agreement(s) in order to determine user’s rights, obligations and liabilities as a cardholder or account holder, which may include the assessment of cash advance or other fees. Money transfer receipts will not display fees assessed by the user’s bank or the issuer of the user’s debit card.

G. Services Charges and Additional Fees

In consideration of your use of the service, you agree to pay a service charge per money transfer executed through the Application. The service charge will be charged to the debit card, or bank account you identify as the payment method for your money transfer transaction. The service charge (in addition to any other applicable fees charged by us directly or on behalf of any U.S. federal or state governmental authority) will be displayed online for your authorization prior to the submission of the money transfer. Our service charge schedule is subject to change from time to time at our sole and absolute discretion. In addition to any fees charged by Awashdirect, a money transfer may be subject to additional fees assessed by the U.S. federal government, the U.S. state where the money transfer originates, the government of the destination country, or the financial institution in the destination country at which your recipient holds a bank account.

H. Money Transfer Processing and Delivery Schedule

After we have verified your identity, received a proper debit card, and bank authorization, and completed the screening for proper compliance with the various applicable laws and regulations, the money transfer is promptly made available to the designated beneficiary for pick up at a paying agent location, home delivery by paying agent to beneficiaries’ home or office, or deposit into beneficiary’s bank account in the destination country. The speed of payment of a money transfer varies depending on a variety of factors, including but not limited to, the amount of the transaction, the restrictions of the destination country or point-of-payment (including without limitation the paying agent’s hours of operation), and/or the accuracy of the information provided by the user. Money transfers will normally be paid to the recipient by cash or check or bank account deposit, as specifically designated by you in your payment instructions.

I. Money Transfer Cancellations and Refunds

If you instruct us to pay a money transfer to a designated beneficiary and later request that we stop the payment of such transaction, we will need to check first with the paying agent to determine if the money transfer has been paid to the recipient. If we can confirm that payment has not been made, the money transfer will be canceled and we will refund the amount of the money transfer, including the service charge. Your refund will be in USD. All refunds shall be available within 30 calendar days of the stop order or as soon as the refunds are returned by the paying agent, whichever is first. For further information or to file a complaint, please contact our customer service team at (888)–445-5292.

J. Money Transfer Cancellations and Refunds

RIGHT TO REFUND: You, the customer, are entitled to a refund of the money to be transmitted as a result of this agreement if Awashdirect does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the money will be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to Awashdirect at 16704 International BLVD F SeaTac, WA 98188.

K. Money Transfer Transactional Restrictions

We reserve the right, in our sole discretion, to: (i) reject a proposed money transfer; (ii) limit the amount of a money transfer; (iii) require additional information to complete a money transfer; and/or (iv) take reasonable measures with respect to a money transfer to comply with applicable laws and regulations. As a user, you agree not to attempt to circumvent the parameters of the service by using a different debit or credit card or bank account, entering false information, or any other means. The service is offered exclusively for the personal money transfer needs of users. Any other use or attempted use of the service for commercial purposes, promotion of products and services, or other such purposes, directly or indirectly, by you or by a third party is prohibited.

The maximum aggregate amount of money transfers per user during any rolling 30 calendar day period is $9,999.99 USD. Certain transactions may be subject to additional identity verification. Awashdirect may establish any and all transactional restrictions and delays applicable to money transfers in its sole discretion and may change such restrictions from time to time. We will provide you with any legally required notice, which we may post on the Application and on our website.

When you submit a money transfer, the paying agent is not required to accept it. You agree that you will not hold us liable for any damages resulting from a paying agent’s decision not to accept a money transfer made through our service. Any unclaimed, refunded, or denied payment will be returned to you or to the original payment method. We will return any unclaimed money transfer to you, or to the original payment method, within 30 days of the date we are informed that the paying agent has rejected your money transfer transaction.

If you provide us with incorrect beneficiary information and you or the paying agent notify us of such incorrect information, and subject to the money transfer not having already been paid out by the paying agent pursuant to the incorrect recipient information you provided, we will coordinate with you to correct the beneficiary information or process a refund of your money transfer.

If you use your mobile device to make money transfers, you are responsible for any fees that your phone service providers charges, such as fees for SMS, data services, and any other fees that your phone service provider may charge. Your phone service provider is not the provider of these money transfer services; instead, Awashdirect is the provider of these money transfer services.

L. Company Trademarks

Awashdirect name, and all related names, logos, product and service names, designs, and slogans are trademarks of Awashdirect or its affiliates or licensors. You must not use such marks without the prior written permission of Awashdirect. All other names, brands, and marks are used for identification purposes only and are the trademarks of their respective owners.

M. Acceptable Use

Use of the Application and information transmitted in connection with the money transfer transaction is limited to the contemplated functionality. In no event may the Application or Awashdirect money transfer service be used in a manner that (a) harasses, abuses, stalks, threatens, defames or otherwise infringes or violates the rights of any other party (including but not limited to rights of publicity or other proprietary rights); (b) is unlawful, fraudulent, deceptive or otherwise violates any applicable federal, state, local or international law, statute, ordinance or regulation; (c) uses technology or other means to access Awashdirect that is not authorized by us; (d) use, or cause to be used, any computerized or other automated program or mechanism, including without limitation any scraper, spider, or robot, to access, extract, download, scrape, display, transmit, publish, any materials, data, or information (including pricing information) on the Awashdirect Money Transfer App or website for any purpose, including without limitation for purposes of selling or offering to sell such materials, data, or information to any competitor of Awashdirect.

N. Monitoring and Enforcement; Termination

We have the right in our sole discretion to (a) take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Application, and (b) suspend or terminate your access to all or part of the Application for any or no reason, including without limitation, any violation of these Terms and Conditions. Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone affecting a transaction on or through the Application.

You waive and hold harmless Awashdirect from any claims resulting from any action taken by Awashdirect during or because of its investigations and from any actions taken because of investigations by either Awashdirect or law enforcement authorities or regulator authorities related to the money transfer service or your use of the money transfer service.

O. Changes to the Application and Money Transfer Procedures

We may modify or update the Application and/or money transfer procedures from time to time with or without notice, except as required by law. We may suspend access to the Application or close it.

P. Information about You and Your Visits to the Application

All information we collect on the Application is subject to our privacy policy. You represent and warrant that all data provided by you is accurate.

Q. Links from the Application

If the Application contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them, or for any merchandise, goods, or services you may purchase or obtain from them. If you decide to access any of the third-party websites linked to the Application, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

R. Persons under 18

The service is intended for use by users who are 18 years of age or older. Please note that the service (including, without limitation, the underlying network, system, software, servers, various directories and listings, various message and news boards, tools, information, and databases) is not intended for use by persons under 18 years of age. If it comes to our attention through reliable means that a user is a child under 18 years of age, we will cancel that user’s account and will delete all information regarding such user from our system and records.

S. Disclaimer of Warranties

You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output and for maintaining a means external to our site for any reconstruction of any lost data. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of the Application or any services or items obtained through the Application.

Your use of the Application, its content, and any services obtained through the Application is at your own risk. THE APPLICATION, ITS CONTENT, AND ANY SERVICES OBTAINED THROUGH THE APPLICATION ARE PROVIDED ON AN “AS IS” AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. NEITHER AWASHDIRECT NOR ANY PERSON ASSOCIATED WITH AWASHDIRECT MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE APPLICATION. Without limiting the foregoing, except to the extent required by law, neither Awashdirect nor anyone associated with Awashdirect represents or warrants that the Application, its content, or any services or items obtained through the Application will be accurate, reliable, error-free or uninterrupted, that defects will be corrected, that our site or the server that makes it available are free of viruses or other harmful components or that the Application or any services or items obtained through the Application will otherwise meet your needs or expectations.

AWASHDIRECT HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE.

The foregoing does not affect any warranties which cannot be excluded or limited under applicable law.

T. Liability and Limitation on Liability

You are responsible for any chargeback, claim, reversal, fee, fine, penalty, and other liability incurred by us, another user of our services, or a third party caused by or arising out of your breach of these Terms and Conditions, and/or your use of our money transfer Service. You agree to reimburse us, another user, or a third party for any and all such liability.

Except as otherwise required by law, Awashdirect liability is limited to the U.S. dollar amount showing on the face of the receipt for your money transfer transaction, including service charges.

If Awashdirect does not properly complete transactions on time or in the correct amount in accordance with this agreement with you, Awashdirect may be liable for your losses, up to the limitation described in the preceding paragraph. However, Awashdirect will not be liable if (a) through no fault of Awashdirect, you do not have enough funds available in your bank account, debit card account, or credit card account to complete the transaction; (b) the paying agent or recipient refused to accept your money transfer; (c) they paying agent or recipient refused to complete the transaction; (b) the paying agent or recipient refused to accept your money transfer; (c) your funds are subject to legal process or other encumbrances restricting transfer; (d) you provide incorrect or incomplete transaction information to Awashdirect; or (e) if your use is not an Acceptable Use.

The foregoing does not affect any liability which cannot be excluded or limited under applicable law.

U. Entire Agreement

The Terms and Conditions, our privacy policy, and your receipt for any money transfer transactions constitute the sole and entire agreement between you and Awashdirect with respect to the Application and your effecting money transfer transactions through the Application, and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Application.

In addition to these Terms and Conditions and our Privacy Policy, customers using the in-person customer web portal to review in-person transactions are also subject to the terms and conditions the customer received in person.

V. Changes to the Terms and Conditions

We may revise and update these Terms and Conditions from time to time in our sole discretion by posting a revised version on the Application. Except as otherwise required by law, the revised version will be effective at the time we post it. You are expected to check the Application from time to time to take notice of any changes we made, as they are binding on you. Your continued use of the Application following the posting of revised Terms and Conditions means that you accept and agree to the changes.

AWASHDIRECT, LLC., dba Oromiya Express Services

Licensed as a Money Transmitter by the Department of Financial Services of the States of WA, MN, SD, IA, OR ,NA, NMLS ID 1748830.

Licensed as a Money Transmitter by the Florida Office of Financial Regulation