Terms & Conditions

1. These terms and conditions apply to the services received from our Online Mobile App customers. All users of this Mobile App agree that access to and use of this app is subject to the following terms and conditions and other applicable law. These Terms are only available in the English language and also all services, instructions, and communications with clients will be in English ( You may use a third party translation system to translate to the appropriate language for your understanding, however, we can not be held responsible for any inaccuracies. If you do not agree to these Terms and Conditions, please do not access any of our services.
2. The terms  “MoMo Me”, “we”, “us”, and “our” refer to Global Star Solutions Ltd, a United Kingdom registered company, together with its employees, directors, successors, affiliates, and assignees. The company is registered in England and Wales with number 14596390 with its registered Head office at Suite 2694, Unit 3a 34-35 Hatton Garden, Holborn, London, United Kingdom, EC1N 8DX
3. The terms “you” and “your” refer to users of the Service who creates (“Sender”) or receive (“Recipient” or “Beneficiary”) remittances, or user of our mobile app.
4. Our system is designed to facilitate you send money to your loved ones throughout the world. We advise that you don’t send money to someone you know.

THE FOLLOWING DEFINITIONS APPLY TO THIS AGREEMENT

1. Destination Country refers to the country in which the beneficiary receives money through the Service.
2. Local Taxes refer to any taxes or charges payable in the Destination Country.
3. Payment Instrument refers to a valid instrument of payment such as a bank account, debit card or credit card.
4. Payout Amount refers to the amount paid out to the Recipient, after any foreign exchange conversion and excluding Local Taxes.
5. Beneficiary or Receiver or Recipient refers to someone who receives money through the Service.
6. Sender refers to someone who uses the Service to send money or buy an airtime top up or mobile data..
7. Service Fee refers to the charges paid to MoMo Me for the services provided.
8. Service Provider refers to a local bank, money exchange house, agent shop or other third party service providers with whom MoMo Me works with in providing the Service.
9. Transaction refers to a specific instruction asking MoMo Me to send money through the Service.
10. Transaction Amount or Principal refers to the amount of money that the Sender wishes to send to the Receiver, without any applicable fees and prior to any foreign exchange conversion.
11. MoMo Me Online Services refers to money transfer services rendered to customers through MoMo Me mobile app.
12. MoMo Me mobile app refers to the mobile app operated by MoMo Me or Global Star Solutions to facilitate the creation of transaction by the customer themselves.
13. Bank Card any card issued against a depository account, such as an ATM card or a debit card. It also includes credit card issues by banks such as Visa and Mastercard.
14. Card Issuer refers to the issuer and owner of these Bank cards.
15. Business Day refers to official working days excluding Saturday and Sunday and bank or public holidays.
16. Payment Method refers to different options available to the sender to use in payment of his/her selected services and these include, Debit or Credit Card payment, Online Bank Transfer.
17. Mobile App means the application downloaded from the AppStore or PlayStore which enables you to create transaction instructions to us.

MoMo Me or Global Star Solution RIGHTS AND OBLIGATIONS

1. By this agreement, MoMo Me or Global Star Solution agrees to offer our services to you employing duly care and precaution.
2. Service Availability Restrictions. The Service may not be available in whole or in part in countries, and jurisdiction. A valid address is required in all instances.
3. MoMo Me or Global Star Solution reserves the sole right to determine whether or not to accept or reject any transaction, request additional information based on our compliance policy. However, if we decide not to proceed with your Transaction, we will notify you promptly of that decision and refund your money paid to us.
4. We may decide to modify or discontinue the service or any part of the Service without prior notice, at any time.
5. MoMo Me or Global Star Solution may exercise our absolute discretion to refuse any Transaction or limit the sending amount. We will decide the amount you can send at any point in time based on your previous transactions.
6. We may, in our sole discretion, refuse Transactions from restricted Senders (Please refer to our compliance manual for more details).
7. We process Transactions promptly, however, any Transaction may be delayed or cancelled for a number of reasons, including but not limited to: our efforts to verify your identity; to validate your Transaction instructions; to contact you; or otherwise to comply with applicable law; or due to variations in business hours and currency availability.
8. We will attempt to assist Senders and Recipients with current information about the locations and working hours of our Partners and Payer Institutions by means of information on our mobile app. However, you agree that MoMo Me or Global Star Solution shall not be held responsible for any inaccuracies that may appear in that information or any consequential loss which may result from incorrect or incomplete information.

YOUR RIGHTS AND OBLIGATIONS

In order to access our service, you have to concur that-

1. You should have the legal capacity to form a legal contract with the relevant authority; So you have to be at least 18 years old or above, unless you are not permitted to use our service.
2. You may not have to pay a fee for sending mobile wallet transaction, because we make gains on the exchange rate difference. You may have to pay us the service fee if you use Cash Pick, Bank Transfer, Card Transfer, or Airtime TopUp for every transaction that you submit, including the transaction amount. The transaction would not be processed until you clear the service fee. In addition, during your transaction process, if MoMo Me or Global Star Solutions becomes responsible for charges extra fee (i.e. The amount excluding the service fee and transaction amount), you agree to repay us such extra fee
3. When you registered on our site to use the service, you have to provide us the following information in accordance with compliance requirements:
4. The right, exact, present and full evidence of your identity, and if any changes happen in your personal information., promptly notify us.
5. The details of the merchant with one or more Payment gateway.
6. The right, exact, present and full information for all Transactions. Please note that, we do not accept any responsibility for damages resulting from non-payment or hindrance in payment of a money transfer to a Recipient or failure to carry out a transaction under the Service by reason of any of these matters.
7. There will be a difference between the exchange rate when the sender pay for a Transaction in one currency and the Recipient is paid in another currency. MoMo Me or Global Star Solutions and its Service Providers usually make a small profit in these circumstances when we buy foreign currency and the exchange rate provided to you.
8. If any false information is given by you and as a result, if the recipient received the reduced amount for extra charges when the amount is denominated in another currency; we will have no responsibility to make good such reduction.
9. Once a Transaction has been submitted for processing it is not normally possible to change any of its details. So before the submission, it is your responsibility to make sure all the Transaction details are accurate and you must check the details carefully.
10. If you face any charges or fees for using a particular Payment Instrument to fund a Transaction, MoMo Me or Global Star Solutions will have no liability on this issue. These may include, but not limited that the banks may impose fees on you for unauthorised overdraft.It may also happen for insufficient funds in your bank account or “cash advance” fees and additional interest which may be imposed by credit card providers or they treat use of the Service as a cash transaction rather than a purchase transaction.
11. You can only use the Service to send money to people that you know personally and not to pay for goods or services. If MoMo Me or Global Star Solutions reasonably believes you are using the Service to purchase goods or services, we reserve the right to cancel your Transaction(s).
12. You may not submit or receive a Transaction on behalf of a third person, since, we consider both you and the Recipients will only act on your own behalf. If you plan to submit or receive a Transaction on behalf of a company, business or any entity other than a human individual, you must first inform MoMo Me or Global Star Solutions of your desire to do so. In this case, you must provide us with any additional information that we request about the entity as we may decide whether to permit the Transaction or not.
13. When you have access to use our service, you will obey these Terms and Conditions as well as any applicable laws, rules or regulations. It will be considered as a breach of these Terms and Conditions to use the Service to send money, if we find out-
    1. The Recipient who has dishonoured the rules of Terms and Conditions.
    2. The Recipient who has a connection with illegal activity, including, without limitation money-laundering, fraud and the funding of terrorist activity. If you use the Service in connection with illegal activity, MoMo Me or Global Star Solutions will report you to the appropriate legal authorities.
14. When using our mobile app or the Service or when interacting with MoMo Me or Global Star Solutions , with another user or with a third party, you will concur that-
15. You cannot breach these Terms and Conditions, or any other agreement between you and MoMo Me or Global Star Solutions.
16. You are NOT ALLOWED to open more than one account, if for any reason you cannot use you registered account contact the support team for assistance and do not create multiple accounts.
17. You will not provide fake, incorrect, or misleading information;
18. You are NOT ALLOWED to permit anyone else access to your registration details, and will keep those details secure.
19. You will not use an anonymising proxy (a tool that attempts to make activity undetectable).
20. If in any case, any investigation is carried out, you have to co-operate and to provide confirmation of any information you provide to us, including proof of identity
21. You are not allowed to copy or monitor our mobile app using any robot, spider, or other automatic device, or manual process, without our prior written permission.
22. MoMo Me or Global Star Solution will store all information required of a Recipient to prove his or her identity or associated with their specific Transaction as it is necessary to provide the Service,. Such proofs may include a suitable form of valid, unexpired identification from a list of acceptable papers provided by the Service Provider, and/or a Transaction tracking number, a personal identification number (PIN), a “password”, a “secret word”, or other similar identification sign.

CANCELLATIONS AND REFUND POLICIES

1. You should contact us at the following address- Suite 2694, Unit 3a 34-35 Hatton Garden, Holborn, London, United Kingdom, EC1N 8DX,
   If you face any problems during using the Service. Alternatively, you can contact by email our dedicated online team via email address below:
   [email protected]
2. You have the legal right to cancel your contract with us after you have submitted a Transaction. In this issue, we may make a cancellation charge. This right of cancellation is valid for fourteen days after you have submitted the transaction, or until we have completed the contract by paying the Payout Amount to the Recipient.
3. If you want to cancel the transaction, you must submit a written request to us at the address post or via email on email address provided. The written request must contain the Sender’s full name, address, and phone number, together with the Transaction tracking number, Transaction Amount, and the reason for your refund request.
4. Any refunds amount will be the same amount as sent amount without the transaction charges or fee and will be credited back to the same Payment Instrument used to fund the Transaction and in the same currency. If any currency fluctuations occur in the event of this cancellation request, no adjustment will be made by us.

COMPANY’S POLICIES ON COLLECTION OF INFORMATIONS

1. Customer Identification Program. According to UK law, it is necessary to provide information about all customers from all financial institutions to the UK Government to assist in the fight against money laundering activities and the funding of terrorism by obtaining, verifying, and recording identifying the information. We may therefore require you to supply us with personal identifying information and we may also officially consult other sources to get information about you.
2. Verification.By accepting these Terms and Conditions you authorise us to make any inquiries we consider necessary to verify the information that you provide to us. We may do this directly, for instance by requesting you for additional information, requiring you to take steps to confirm ownership of your Payment Instruments or email address; or by confirming your information against third party databases; or through other sources.
3. Further Authentication and Check. In order to confirm your identity, we will verify your residential address and personal details. We may also pass your personal information to a credit reference agency, which may keep a record of that information. This is done only to confirm your identity.In this matter, no credit check perform on you and your credit rating will be unaffected. All information provided by you will be treated securely and strictly in accordance with the Data Protection Act 1998.
4. Privacy Policy on Data Utilization. Under this clause,You permit us to process your personal information for the purposes of providing the Service, including for verification purposes. You also approve of the use of such data for communicating with you, and for legal, accounting and archival purposes. You acknowledge that you have read and agree with MoMo Me or Global Star Solutions’s Data Privacy Policy.
5. Government Disclosures. As described in our Data Privacy Policy that we may be required to provide information about you and your Transactions to government by law or other competent authorities.You accept and give permission for us to doing this.

INTELLECTUAL PROPERTY RIGHTS

1. MoMo Me or Global Star Solutions , their affiliates, or third parties have the entire possession of the MoMo Me or Global Star Solutions mobile app and the MoMo Me or Global Star Solutions, the content, and all intellectual property relating to them and contained in them (including but not limited to copyrights, patents, database rights, trademarks and service marks). All rights, label and interest in and to the MoMo Me or Global Star Solutions Online Site and its Service shall remain our property and/or the property of our business partners.
2. You may use MoMo Me or Global Star Solutions’s site and services only for the purposes allowed by these Terms and Conditions or described on this mobile app. For your own personal use, you are authorized to view and to keep a copy of the pages of the MoMo Me or Global Star Solutions’s mobile app. You also have to agree that-
   1. You are not allowed to make any duplicates of any part of any materials, or remove or change anything on the site, include or create links to or from the site without the company’s written authority.
   2. You are also not allowed to remove or change any copyright, trademark or other intellectual property rights notices contained in any materials or copies or the materials.
   3. You are not permitted to participate in the transfer or sale of, post on the internet, or in any way distribute or exploit the MoMo Me or Global Star Solutions mobile app, the MoMo Me or Global Star Solutions Service or any portion thereof for any public or commercial use without our express written permission.
   4. You cannot use any robot, spider, scraper or other automated device to access the MoMo Me or Global Star Solutions mobile app and its service.

WARRANTIES AND COMPANY’S LIABILITY

1. If your money transfer has failed in such circumstances, for example, any breach of our agreement with you, We will refund to you any benefit that we receive (this means that, we will refund to you the Transaction Amount and the Service Fee, if any).
2. Under the laws relating to the provision of international money transfer services, if a money transfer is delayed or fails, you may have a right to receive a refund or compensation. If you want to know the details of your rights to a refund or compensation, please contact us at the address that we have given at the end of these terms & conditions.
3. If you or recipient claims for compensation from us, that (claim(s)) must be supported by any available relevant documentation(s).
4. We do not accept any liability for the following issues-
   1. If any failure happens to perform your instructions in consequence of circumstances that could reasonably be considered to be outside our control.
   2. In case of communications malfunction which cannot reasonably be considered to be under our control and that may affect the accuracy or timeliness of messages you send to us.
   3. If any losses or delays in transmission of messages caused because of the use of any internet service provider or caused by any browser or other software which is not under our control;
   4. Any mistake on the mobile app or with the Service caused by incomplete or incorrect information provided to us by you or a third party.
5. We take the liability in the special case (a) on our part for death or personal injury resulting from our negligence; or (b) exclude liability for our fraud.
6. You agree that the rules are applied both on you and your recipient.
7. Your contract is with MoMo Me or Global Star Solutions only. You agree that no affiliate or agent of MoMo Me or Global Star Solutions owes you any duty of care when performing a task which would otherwise have to be performed by MoMo Me or Global Star Solutions under its agreement with you.
8. You agree to assure and hold harmless MoMo Me or Global Star Solutions, our subsidiaries, affiliates, officers, directors, employees, agents, independent contractors, advertisers, partners, and co-branders from all loss, damage, claims, actions or demands, including reasonable legal fees, arising out of your use or misuse of this mobile app or Service, all activities that occur under your password or account e- mail login, your breach of these Terms and Conditions or any other violation of the rights of another person or party.

ELECTRONIC COMMUNICATIONS POLICIES

1. You accept that these Terms and Conditions will be entered into electronically, and the following categories of information (i.e.Communications) may be provided by electronic means:
   1. The Terms and Conditions and any adjustments, modifications or supplements to it.
   2. Your records of transactions via the Service.
   3. Any other communication connected to the Service or MoMo Me or Global Star Solutions.
   4. Any service related to communications that includes without limitation of communications with respect to claims of error or unauthorised use of the Service.
   5. Any disclosures or notice (initial/ periodic) provided in connection with the Service, including without limitation those obligatory by law.
2. The Service does not permit for Communications through in paper format or through other non-electronic means. You may withdraw your consent to receive Communications electronically, but if you do, your use of the Service shall be terminated. If you want to withdraw your consent, you must contact us through our contact address.
3. If you want to access and retain Communications, you must have the following supports:
   1. An Internet browser that supports 128-bit encryption, such as Internet Explorer version 4.0 or above;
   2. An e-mail account and e-mail software capable of interfacing with MoMo Me or Global Star Solutions’s e-mail servers;
   3. A personal computer, operating system and telecommunications connections to the Internet capable of supporting the foregoing;
   4. Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit; and
   5. A printer that is capable of printing from your browser and e-mail software. Furthermore, you must update us without delay if any changes happen to your email address by updating your profile at ………………..

DISCONTINUATION

1. Either party could terminate these Terms and Conditions on one day’s written notice.
2. We may discontinue these Terms and Conditions if you have such circumstances:
   1. If you are declared as bankrupt.
   2. If you attempt to violate of any provision of this Terms and Conditions;
   3. If your way of use of the Service or the mobile app is disruptive to our other customers, or you do anything which in our opinion is likely to bring us into disrepute;
   4. Any attempt to breach the security of the mobile app (including but not limited to: modifying or attempting to modify any information; unauthorised log-ins, unauthorised data access or deletion; interfering with the service, system, host or network; reverse engineering of any kind; spamming; hacking; falsifying data; introducing viruses, Trojan horses, worms or other destructive or damaging programs or engines; or testing security in any way).

PURCHASE

Before you create any transaction on our mobile app you agree that you represent and warrant that: firstly, you have the legal right to use any account/credit/debit card(s) or other payment method(s) in connection with any transaction; and secondly, that the details you provide to us are true, accurate and complete. By supplying such details, you grant us the full right to submit the details to third parties for purposes of assisting the completion of transaction. If you create any transaction made available through our mobile app (“Purchase”), you may be asked to provide certain details of the recipient in order to complete the purchase. These include but not limited to the following:

1. By using our Services, you agree to authorised MoMo Me or Global Star Solutions’s Application to debit your account or bank card with the principal value of the transaction plus other applicable fees and charges.
2. You acknowledge that MoMo Me or Global Star Solutions shall not process or complete your transaction if payment request to your payment account is unsuccessful for any reason. Your bank or financial institution may charge you for going over your account limit. You must ensure you have sufficient funds in your account or card before you initiate the request.
3. MoMo Me or Global Star Solutions will make the necessary effort to display currency exchange rate, any fees and service charges in the mobile App before you complete your transaction request. Note that our services charges change depending on the location and from time to time. MoMo Me or Global Star Solutions also earns profit from the exchange rate.
4. In a situation where MoMo Me or Global Star Solutions is unable to debit your payment card or is returned, charged back or probably cancelled for whatever reason and the order is paid out, you agree entirely to be responsible to settle the full amount due plus any other costs incurred by MoMo Me or Global Star Solutions to deliver the service to your beneficiary.

SERVICES

1. Cash Pick Up/Collection Transaction is a transaction created either online or on our agency platform and the beneficiary picks cash from the bank or payout location in the destination country.
2. You agree that, when you register and create a transaction we have the right to verify your ID details, address and payment details before the transaction will be ready for collection at the destination country.
3. During verification your transaction may not be ready for pick up, We reserve the right to cancel the transaction if our responsible teams are not satisfied with your details.
4. Where there are delays in payout and the exchange rate changes MoMo Me or Global Star Solutions shall not be responsible for any losses.
5. MoMo Me or Global Star Solutions takes no responsibility in destination country restrictions.
6. Mobile Money/Wallet Number. When you enter a wrong mobile money number during your transaction request creation, we will not be liable to refund your mobile since we do not have control over the wallet number that the funds have been credited.
7. Some countries have taxes or charges on receiving mobile money fund which your beneficiary may receive lower amount that what will be on your receipt.

SECURITY ISSUE

We take security matters very seriously at MoMo Me or Global Star Solutions, and we give our effort really hard, using state-of-the-art security measures in order to make sure that your information is maintained in a secure way. The MoMo Me or Global Star Solutions online services is a protected and convenient way to send money to friends and family and to other people who you trust. However, we do advise you to consider very carefully before sending money to anyone that you do not know well. In particular, you should be very cautious of deals or offers that seem too good to be true(for avoiding being scammed). If you are aware of anyone or any entity that is using the Our Online Service improperly, please email us using our contact form. Likewise, if you receive any emails, pretending to be from MoMo Me or Global Star Solutions , which you suspect may be ” fake emails, please forward them to us using our provided contact options via post or email.

Contact Information

If you want to make a complaint about any aspect of the MoMo Me or Global Star Solutions Online Services , or you have any questions, notices, and requests for refunds or further information should be sent to the address shown on the Contact Us page-Suite 2694, Unit 3a 34-35 Hatton Garden, Holborn, London, United Kingdom, EC1N 8DX , or email us on [email protected] In case of any complaint, We will investigate it and come back to you with the results of our investigation, no later than 7 business days of receipt of your complaint. If you are not satisfied with the manner in which we have dealt with your complaint, or the outcome, then you may refer the matter to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. We are committed to give our clients the highest service and we hope that you will be pleased with the way we treat the monetary agreement.