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A "Recipient" is an individual who receives money from a Sender through the Service.All money transmission is provided to Senders by PayPal. Where required by law, PayPal is a licensed or authorized provider of money remittance services.

You should never use the Service to send requests or money to strangers. We recommend that Senders use the Service only to send money to, reload pre-paid mobile telephone plans for, or pay bills for people you know personally, such as family and friends.

The Service is intended to allow Senders to send money transfers ( “Send Money”), purchase pre-paid mobile telephone plan credits from third-parties ( “Reload”), and make bill payments ( “Bill Pay”) around the world.

CONSUMER FRAUD ALERT: PROTECT YOURSELF FROM SCAMS AND FRAUD The terms "you" and "your" refer to someone who sends money, makes bill payments, reloads pre-paid mobile telephone plans or otherwise makes use of the Services ( "Sender"). By accessing and using the Service, you are agreeing to the User Agreement.Īs used throughout this User Agreement, the terms "we", "us", and "our" refer to PayPal, together with its employees, consultants, directors, successors, subsidiaries, affiliates, and assignees. You acknowledge and agree that this User Agreement is between you and the PayPal entity in your country of residence ( “PayPal”). No funds will be held in the Xoom Account as a result of your use of the Service.

By signing up to this User Agreement, Xoom will set up an account through which you can use the Service and view your Transaction history and contact details (the "Xoom Account"). This " User Agreement" sets forth the terms under which you may use PayPal's Xoom Service (" Xoom" or the " Service"), and your access and use of Xoom websites (for purposes of this User Agreement, "websites" includes our desktop website, our mobile websites, and our mobile applications) and the services associated with it.