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 Money Transfer
is a service that enables you to performing money
transfers worldwide. The service is addressed to individuals over
18 years. Money Tranfer service is provide by World Exchange. World Exchange is a Swedish
registered company in
Sweden at Bolagsverket.se and is also registered for corporation
taxation, as it possesses an F-tax card.
It
is important that you read and understand our terms before you
accept and initiate a money transfer through our service.
Why pay more than what it costs?
Make
a smarter choice! Send your money through us and avoid the high mark-up
as other traditional businesses take for the same service!
If you already are a customer!
 Access to fast and secure money transactions on the Internet.
Online real-time tracking of all remittances.
Always the same low transaction fee irrespective of the amount you are
sending!
Only SEK 70! (Other fees: Ukraine, Russia, Uzbekistan)
Branch offices in more than 130 countries.
Feel
safe since we are only cooperating with authorized representatives,
branch/bank offices in the country of reception that have an agreement.
The receiver does not need a bank account with select agents,
branch/branches.
Send
money at the hours that suits you! You can manage all transactions in
peace and quiet in front of your computer at home, at work or wherever
you
may be, as long as you have access to Internet.
If
you arenīt satisfied you have always the right to get your money back!
Save time and money!
If you arenīt satisfied you have always the right to get your money back! As long as your payment order
has not been paid to the beneficiary you provide in your order!
The
customer is qualified to use the World Exchange service
by always giving us complete and true information about themselves and
the receiver in each transaction.
In order to execute the
transaction, it is essential that all information is correctly filled
in your payment order; otherwise the recipient will not get money the
same day.
Money remittance is a simple payment as normal based
on a sender sends the desired amount to us and we in turn delivers the
equivalent amount in a fast and safe way only to the selected payee.
To
pay service to work smoothly and effectively, it’s essential that all
you data fits well with the truth. We reserve the right to verify the
information you provide. In cases where your data is not correct, then
the amount requested to be kept in its entirety over a period of time
to request information and require proof of your identity.
For customers who will receive a payment, please contact World Exchange, in Stockholm.
S:t Paulsgatan 20
118 48 Stockholm
Your safety is our priority!
For
maximum safety we work always with World Exchange systems
platform. This always begins with "https" which indicates that the
entire communications are always encrypted and protected.
Each
transaction is protected with a unique control number. This number
follows the operation all the mission all the way and makes it possible
to control where the money is and if the receiver has acknowledged them
out.
(*)
Some countries like Mexico, Peru, Colombia has a number
code. You will always be in our reply by e-mail of the code
that apply to your money transfer. The receiver must always show up (*)
transaktion number of elected representative agent and be able to prove
their
identity with a valid proper identification. The following are valid
documents: valid passport - national ID card - driving license
(Attention! Some countries do not accept a driving license as a valid
ID). All information on your payment order is confidential*.
*Your personal data and the Personal Data Act, PDA
When
you register your data you agree that World Exchange,
registration number: 556794-9549, handles your data. This information
is used to facilitate financial transactions between individuals who
know each other well.
All personal data is handled strictly
confidentially according to the Protection Personal Data Act and will
not be sold or handed over to third parties. Personal data is used to
sign agreements and carry out customer rights and obligations (payment
and delivery of the service). You are entitled to free of charge once a
year in writing to request information about the processing of your
personal data exists. You can request that any incorrect information
about you be corrected or deleted. If you wish further information,
please contact our Customer Service on telephone 08-333 600 (Mon-Fri
10.00 - 18.00).
To increase your security even more, you will receive a unique customer number.
Each person can only have one customer number so you can easily and
more convenient to make further transfers in the future. The unique
customer number will be sent to you by e-mail together with a
confirmation receipt. Be sure to always provide an accurate e-mail
address on the form because all the information about your monetary
transactions is sent to the e-mail address you provided. Circular is
done in such way that an e-mail address will not be available to others
than the receiver concerned. Important! Today there are too
sophisticated spam filter, so be sure to allow the sender
"info@volandoresor.se" otherwise we cannot guarantee that our
e-mail arrives.
Price
What
does it cost? Our price is only SEK 70 per transfer whatever amount you
send! You always pay in Swedish crowns, whether suck payments shall be
paid in USD, EUR or other national currencies. Besides the transfer fee
applicable for each money transfer application World Exchange an exchange rate for conversion of foreign currency. Minimum
amount to send is SEK 100 and the maximum allowable amount is up to SEK
25 000 per day per customer. But you should know that there are
countries like Colombia, Mexico, El Salvador, Peru, India and others
who have their own adjustments to the national level, therefore please
contact us for more information. If you send more money than what is
allowed into the country, yours payment order not to be process.
You can contact us at our office hours Mon-Fri 10:00 to 18:00.
The total amount you decide to send should always
be mentioned in the currency of Swedish Kroner (SEK) in your payment
order. Coinstar fee SEK 70 will be added.
The payment is usually
made in the recipient country’s currency. In some countries they may
also receive payment in USD or EUR. Feel free to ask us about what
applies in your specific case.
If you are a client of an
internet bank you can easily pay your order by logging on to your bank
and transferring the amount you wish to the Account holder:
World Exchange
Nordea Bank account number: 4132-1747965
If you use another bank, then the money
normally enters the following banking day. If you canīt or donīt want
to do your banking errands on the internet, you can easily do the
deposit personally at the bank or by visiting us at the office.
Because
of the banking secrecy in Sweden, we can unfortunately not verify who
the holder of a bank account is and therefore it is essential that you
always enter your customer number as a reference when you make your
deposit to us. Have not received your customer number, so write your
Swedish social security number as a reference. This is very important
if we are able to identify your deposit. Note: If you forget to write
your customer number or you’re Swedish personal identity number as
reference so your payment order will be considered unauthorized and
will not take place until the same client send us the corresponding
bank receipt.
A series of control measures implemented before we
send off a transaction. If your information does not match, your
transaction takes longer time to send to the selected destination.
According to our policy no payment order is being sent unless the money
has entered in our bank account.
What is the exchange rate prevailing?
The
exchange rate may change several times a day, and to get the latest
updates please contact us. The final rate for your payment order is not
set until the money have reached our bank account. Of course you can
obtain all the necessary information regarding your transaction for
free. Exchange rates are updated only by our partner World Exchange. The receiver will take the amount in foreign currency given
to you when the money transaction was initiated.
World Exchange cannot be held responsible if the transaction
won’t function as expected if the customer hasn’t filled in the payment
order correctly, or for any problems in the selected agent/bank office
because the receiver hasn’t stated the correctly transactionnumber or shown
valid ID.
The responsibility of World Exchange in
the service of money transfer is that all money transactions are made
the same day that your payment has entered World Exchange
bank account. As a customer, you may submit your payment order around
the clock. If you send your order after the office has closed, then the
order is being processed and sent the following day. We are keen to
fast track yours payment order and handle all requests in turn.
Sometimes the transaction may take longer time due to different time
zones, as well as on the weekend and a branch office of the destination
is closed. If any problems regarding your transaction in the unlikely
event occur, so please contact us so we can help resolve the situation.
To
some countries the highest permitted amount to send may be lower
depending on the living standards of the receiving country. You are
always welcome to contact us for information regarding your order. Please note that from 1 JAN 2011,
all our customers to send an annual copy of their ID document** or as
soon as we request it for faster processing of your payment orders.
**Copy of your ID
Accordance
with our policies so as to each customer once a year to prove their
identity to be able to use our services. If the client can not prove
their identity at the request will be blocket from our service until we
can verify your identity.
To be able to accept your payment order, we need copy of a valid ID.
Please send this copy to: info@volandoresor.se
World Exchange
113 38 Stockholm
Attention! We do not accept copies of identity documents by fax.
Compare us with competing companies!
As
for all the other money transfer agents on the market, they charge a
transfer fee that increases as with the amount you wish to send
increases.
You will find that our service is cheaper for you and the
receiver always gets more from us than other competing companies. Keep
in mind that the bigger amount you are sending, the more financially
advantageous it is for you and the receiver.
Many believe that the
rate they get at an exchange office when they change money for
themselves here in Sweden is the same rate when you send money abroad.
Note that this is not so!
Please
note the difference. In one case it is you who are doing the job by
making the exchange and receiving the money in your hands, of course, a
better course but the money is still in Sweden and you must arrange a
way to send them abroad.
In the second case, you engage a company
(us; Volandoresor) that deliver the money for you so they can quickly
and safely reach the receiver in the destination country.
Cancellation or amendment of payment order.
When you use our service you agree to and accept our fees for each money transfer.
If
you would regret your payment order and want your money back the same
day we will do it immediately, provided that the payment order has not been sent to the selected
destination. If you do not have Swedbank so your funds will be recirded
the day after the bankīs procesures. We will also pay the fee och SEK
70:- If the payment order has already been sent away so we make a
cancellation and then it can take up to 5 working days before the money
is in your bank account. This is because we first have to make the
money back from our partners from selected destination country and then
we make a transfer directly to you.
If you want to change the
receiver of a payment order who has already been sent, the cancellation
must be made and a new payment order executed.
Be sure to send us
the correct name of the selected receiver from the beginning so you
will not have problems with your money transfer. Any new money transfer
will cost SEK 70:-
Before
reimbursement can take place, you must send e-mail containing a copy of
the approved and valid ID document to prove your identity, information
about your customer number, transaction number, your account number and
the name of your bank. It is the customerīs responsibility to provide
full and accure details of their bank account. World Exchange always
follow the customer base for the cancellation and refund. Failure to
provide this information results in no refund.
Cancellation or refund can no longer occur when the money has been paid to the beneficiary you have provided.
Security
We
want to draw your attention to the importance of heightened identity of
customers associated with large transaction amounts, because it
presents a risk of money laundering.
We have new arrangements
and control functions that must be followed. World Exchange are required to verify customerīs identity and get to know our
customer to understand the purpose of the business relationship and to
detect and combat money laundering and terrorist financing.
This service is only available for transactions between private individuals who know each other well.
Do
not be fooled by fraud. Today is spreading rapidly via e-mail fraud and
scammers are becoming more sophisticated in order to trick you your
money.
We recommend to send money only to people you know and trust
and not expose yourself to risk by sending money to someone you do not
really know.
World Exchange disclaims any
liability for losses suffered by the customer if he sent money to a
private person you do not know well. Neither we nor you are liable to
the other’s suffering or obligations if the service does not satisfy
the one or the other’s expectations and the unexpected situations and
direct or indirect damages and losses. This also applies to third
parties. We are not over delays or misinformation that may occur,
whether due to technical problems, poor communication or other causes.
The customers are responsible for the timely delivery of their payment
orders and control the amount that the beneficiary expected.
World Exchange sends payment orders only to the cities where we have agreements and operates.
Please
feel free to contact customer service before you initiate a money
transfer for the first time. Customer service can be reached directly
at tel. nr: 08-333 600
Companies do not have access to send or
receive money through our system and the service may not be used to pay
invoices for goods and services you have ordered through the Internet.
Please note that you as a sender has a duty to inform the receiver
about the transactionnumber and the correct address of the selected
agent/branch.
World Exchange cannot be responsible for any misunderstanding between sender and receiver.
The same rules across the EU
The
EU has decided that there should be a high level of protection for
consumers in all member countries and to all financial companies are
obliged by law to prevent money laundering.
Finansinspektionen is an
Agency in Sweden that monitors the companies in the financial market
and contributes to the financial system operates effectively and meets
the requirement of stability. They control and review including the
company’s access to capital, business, owners and management. We are
very proud to have been authorized for financial business!
According
to valid international laws from the EU regarding the combat of “money
laundry” we are obliged to report and disclose any suspicious
transactions immediately to Finansinspektionen (Swedish Financial
Supervisory Authority.
In order to combat “money laundry”
efficiently will World Exchange to follow security
controls. We also have an internal process with a high level of
security so as to always verify the customer’s identity and try to get
to know the customer in the meantime so well that we feel convinced
that the service the customer asks for isn’t connected to any illegal
activity.
World Exchange does not manage your money transfer if the
funds are derived from criminal activity or if the transaction is
illegal in any way.
We are required by law to provide some additional questions to ensure that the transaction is legitimate kind.
It
can also happen that we are asking you to prove your answers with
copies of any documents and receipts. A person who cannot prove their
identity or does not respond to questions intended to customer due
diligence may not be one of our customers. We may also refuse to start
or carry out a money transfer operation if we suspect money laundering
or fraud.
It is important for our company and you as a customer working together to combat crime and terrorism.
If
the administrators of our company not fallow the law on money
laundering we come to be punished and sanctioned by Finansinspektionen.
If the service is being abused or if the customer does not respond to
our control issues will provide the service to be stopped immediately
and all information submitted are forwarded to Rikskriminalen dept
Finance Police for investigation. By working actively to prevent
illegal activity we keep being a reliable and secure business partner.
For more information, press here! (pdf)
Our
aim is to give our customers the best service and our support team
gladly answers all inquiries quickly and efficiently on telephone and
by e-mail. If you as a customer by any chance shouldnīt feel satisfied
with our service please contact the manager Margarita Elena at: margarita@volandoresor.se
We
would like to take the opportunity to thank all our customers that has
given us their confidence during the years, and wishing you who is
considering becoming our customer very welcome!
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