PRISM TRANSFER INTERNATIONAL MONEY TRANSFER PAYMENT

TERMS AND CONDITIONS

PRISM FINANCIAL SERVICES (HAITI) S.A (“Prism Transfer” or “we” or “us”) offers the service of payment to our customers of international money transfers sent from overseas via our international third party partners into Haiti (“Services”). Prism offers the Services through our primary payment agents LE SÈVIS FINANSYE FONKOZE, S.A (“Fonkoze”) and UNIGESTION HOLDINGS S.A (“Digicel MonCash”). References to “we”, “our” and “us” in these terms may also include our licensors, agents, parent company and affiliates from time to time.

“You” means the person using the Services to collect money (and “your” shall have the same meaning).

By signing this receipt form, you agree to be bound by these terms and conditions (“Terms”) also set out at www.prism-transfer.com. If you do not agree to, or accept any of these Terms, or if you are under the age of 18, you should not sign this receipt form.

  1. Third-Party Licensee and Paying Agent
    • The money that you are collecting is being paid to you by us on behalf of a third-party licensee (the “Licensee”).
    • The Licensee received this money from the person who initiated the international money transfer (the “Sender”) so that it may be received by you.
    • Prism Transfer is a Maison de Transfert licensed by the Banque de la Republique d’Haiti, which means that we have the authority to pay this money to you on the Licensee’s behalf.
    • Fonkoze and Digicel MonCash are our paying agents, which means that you can collect money from either agent via their authorized channels.
    • We currently have two methods of disbursement: Cash Pick Up and Wallet Credit, which are discussed in more detail.
  2. Receiving a Transfer

    A. Receive at a Location (Cash Pick Up)

    1. To receive the money from a Sender at a Fonkoze location, please follow the steps below:
      • Setp 1: Visit a Fonkoze location near you during its opening hours.
      • Step 2: Provide the Fonkoze clerk ("Representative") with the reference number that you receive by SMS or given to you by the sender. Upon your transaction reference number is being verified by the representative in the system, please be aware that we will require you to provide, among other things, the following information:
        • Your full name, date of birth, address, phone number, email address, nationality, and gender;
        • Information about your proof of identification;
        • The purpose of the transaction;
        • Your relationship with the sender; and
        • Your sender's source of funds
      • Step 3: Provide the Representative with a government-issued photo ID that clearly validates the identification information that your sender has provided on the money transfer transaction.
      • Step 4: The Representative will verify that your photo ID matches to your face to validate the transaction before paying it to you.
      • Step 5: If the Representative is satisfied, the money will be counted in front of you and you will receive the cash and two copies of your receipt. This cash may be paid out in Haitian Gourde as is required by law using the reference rate (Taux de reference) that applies at the date of payment. Please visit https://www.brh.ht
      • Step 6: Sign the receipt to confirm that you have received the money in full and return one copy to the Representative.
    2. If you are not able to provide all the documents and information required, or if the Representative has any doubts about their validity, accuracy or authorization, the Representative is not obligated to make payment to you.
    3. Collection at Fonkoze may only be made during the operating hours of the relevant Fonkoze location and subject to their compliance with local regulatory requirements.
    4. If you do not collect money available to you for collection at Fonkoze within ninety (90) days, the transfer will expire and we will have no obligation, after that ninety (90) day period, to make that payment to you.
    5. The uncollected money may be sent back to the Sender

    B. Receive in a M-Wallet from MonCash (Wallet Credit)

    1. To receive money from a Sender in your MonCash account, please follow the steps below:
      • Step 1: If you are an approved holder of a Digicel MonCash Full M-Wallet (“Wallet” or “Full Wallet”), you must give your consent to Prism Transfer, authorizing us to deposit international money transfer into your wallet. ("Consent").
      • Step 2: Give your Consent: (a) by replying "YES" to the SMS message we sent to ask if you would like to receive the money in your Wallet; (b) when you are directed to the MonCash application asking if you wish to receive the money in your Wallet; (c) by calling the MonCash customer service line (provided the customer service team is able to verify your identity during the call); or (d) by Selecting “Choose Prism Transfer” in the MonCash USSD Menu, available at *202# option 6:1:1, and entering your PIN.
    2. By giving your Consent, you also authorize our digital partner, Unigestion Holdings S.A. (the owner of MonCash), to share your personal information with Prism Transfer in order for us to fulfil our “Know Your Customer” (“KYC”) legal obligations.
    3. If a Recipient does not have a Full Wallet, Prism will hold the funds for a period of twenty one (21) days to allow the Recipient to upgrade their wallet to the Full Wallet. If within this timeframe the wallet is not successfully upgraded to a Full Wallet, the transaction will be cancelled and reversed to the Sender.

    C. Changing Disbursement Method

    1. As Recipient of an international money transfer (IMT), you have the option, at your sole discretion and prior to disbursement, to instruct us that you wish to change the disbursement method from Cash Pick Up to Wallet Credit and vice versa. You also have the option to upgrade your wallet to a Full Wallet to allow for the receipt of remittances direct to wallet.
    2. To initiate the change of disbursement method, you can:
      • a. Reply to the Interactive SMS notifying you of your IMT and follow the instructions therein to complete the change of disbursement method.
      • b. USSD – Dial *202#, then select the applicable numbers for the relevant change, for eg. Options 6:1:2 Change Cash to Wallet and 6:1:3 Change Wallet to Cash
    3. Instructions will not be received in any other manner than the above. Prism accepts no liability for damages caused due to no action on Recipient’s instructions communicated by other means.
    4. If you do not receive a confirmation message then the change of disbursement method has not been completed. You should contact Customer Care in the event you have followed the instructions and have not received a confirmatory text. Prism accepts no liability for any damages occasioned by Recipient acting on incomplete disbursement method instructions.
    5. Prism will not allow payouts to third parties. The Wallet receiving the disbursement must be owned by the Recipient.
    6. In the event If the Recipient does not have a Full Wallet or has requested a payout to a Wallet that Prism cannot verify belongs to the Recipient, the request for the change of disbursement method will be rejected.

    D. You do not have to pay any fees to receive money being transferred to you except for the government regulatory tax of US$1.50 that could be discounted from the paid amount if instructed by the sender.

  3. Data Privacy
    • A. Your privacy and personal information are important to us. Any personal information that you provide to us will be dealt with in line with our privacy notice, which explains what personal information we collect from you, how and why we collect, store, use and share such information, your rights in relation to your personal information and how to contact us and supervisory authorities in the event you have a query or complaint about the use of your personal information.
    • B. Our Privacy Notice is available here: www.prism-transfer.com/privacy
  4. Fraud Prevention
    PROTECTING YOUR ACCOUNT

    As a user of our Services, you are agreeing to our terms, including that you understand how our services are to be used and that you will do your part toensure that your money is safeguarded to prevent against unauthorized use or fraud. You are required to notify Prism Transfer immediately if you have identified unauthorized transactions on your account or suspicious activity to prevent further losses. Users are expected to leverage the following guidance in an effort to minimize such activities:

    Fraud Prevention Warning (Receive Side):

    • Never receive money from someone you do not know or for a no clear purpose
    • Never accept to receive money on behalf of someone else
    • Never provide your identification to someone to receive money on your behalf
    • Never share the Reference Number you obtained from your Sender with a third party
    • Never use a fake identification or provide false information to receive money
    • Never provide your Personal Identification Information (PII) to receive transactions over the phone
    • Please do not share the details of your money transfer with anyone else.
  5. No Warranties
    • A. All warranties, representations, and conditions which are implied by statute or otherwise are expressly excluded to the extent permitted by applicable law and you hereby waive and release us from all such warranties of any nature.
    • B. We do not authorize anyone, including but not limited to Prism agents and employees, to make any warranties on our behalf and you should not rely on any such statements.
  6. Indemnification

    You agree to indemnify and hold us, our merchants, suppliers, vendors, agents and their respective subsidiaries, affiliates, officers, directors, agents, partners, employees, and consultants, harmless from any claim or demand. This includes indemnification from reasonable attorneys' fees, made by any third party due to or arising out of your use of the Services, your connection to the Services, your violation of these Terms or any law, or your violation of any rights of a third party.

  7. Limited Liability
    • A. WE ACCEPT NO RESPONSIBILITY FOR THE ACTS OR OMISSIONS OF A SENDER, LICENSEE, OR ANY OF THEIR SERVICE PROVIDERS OR THEIR DESIGNEES.
    • B. WE WILL NOT BE LIABLE TO YOU: (A) FOR ANY DELAYS OR MISTAKES, OR ANY CLAIMS, LOSSES, OR DAMAGES, RESULTING FROM ANY CIRCUMSTANCES BEYOND OUR CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOVERNMENTAL AUTHORITIES, NATIONAL EMERGENCIES, INSURRECTION, WAR, RIOTS, EPIDEMIC, ENDEMIC, OR PANDEMIC; (B) FOR ANY CLAIMS, LOSSES, OR DAMAGES RESULTING FROM YOUR FAILURE TO COMPLY WITH THESE TERMS, COMMUNICATION SYSTEM FAILURES, OR FAILURES OR MALFUNCTIONS ATTRIBUTABLE TO ANY EQUIPMENT, ANY INTERNET SERVICE, OR ANY PAYMENT SYSTEM; (C) IF WE ARE UNABLE TO COMPLETE A TRANSFER BECAUSE YOU ARE SUBJECT TO A HOLD, LEGAL PROCESS OR OTHER CLAIM RESTRICTING TRANSFERS AT THE TIME WE ATTEMPT TO PAYOUT; (D) IF THE SENDER DID NOTFOLLOW THE TRANSFER INSTRUCTIONS PROPERLY; OR (E) IF YOU DID NOT PROVIDE US WITH CORRECT, COMPLETE, VALID AND TIMELY INFORMATION OR PROOF OF IDENTIFICATION.
  8. Additional Terms
    • A. We reserve the right, at any time in our sole discretion, to change, suspend, remove, or disable the Services without notice or liability.
    • B. You may not transfer or assign any obligations or responsibilities arising from these Terms to third parties in any way and may not make any third party a partner to responsibilities written in these Terms for any reason.
    • C. For customer support, to report a problem, or send us your feedback, please visit the “Contact Us” option at https://www.prism-transfer.com/contact or send us an email to prismtransfer@prismco.com

PRISMTRANSFER
151 ANGLE IMPASSE DUVERGER ET AVE JN PAUL II
PORT-AU-PRINCE, HAIT