OrbitRemit Terms of Use

Diwali Competition terms and conditions

These Terms of Use (Terms) are effective as of 1st June 2009, and govern the terms under which you may access and use this website and the services associated with it (together, the "Service"). Do not access or use the Service if you do not agree to be bound by the Terms. By accessing and using the Service, you are agreeing to the Terms.
As used throughout this Terms of Use, the terms "Orbit", "we", "us", and "our" refer to OrbitRemit Global Money Transfer Ltd, together with its employees, directors, successors, affiliates, and assignees. The terms "you" and "your" refer to users of the Service, whether in their capacity as Senders, Recipients, or visitors to this website.


    The Service allows people to send and receive money around the world. A "Sender" is someone who uses the Service to send money. A "Recipient" is someone who uses the Service to receive money through the Service. The "Destination Country" is the country in which the Recipient receives money through the Service. A "Transaction" is a specific instruction to send money through the Service. The "Transaction Amount" is the amount that the Sender provides for transmittal to the Recipient, excluding applicable fees and prior to any foreign exchange conversion. The "Payout Amount" is the amount paid out to the Recipient, excluding any taxes or charges that may be levied under the laws of the Destination Country (the "Local Taxes").

    1. Eligible Users. You must be at least 18 years old to access or use the Service. You must be able to form legally binding contracts under applicable law. Other restrictions may apply.
    2. OrbitRemit reserves the right to access Equifax, MatrixID, Edentiti, CallML and any other government or private databases in order to verify your information through the process referred to as “electronic ID”. If certain databases provide a match to the information you provide then we may not have to ask for photographic evidence of your identity.
    3. OrbitRemit reserves the right to refuse to accept any new user at its discretion.
    4. Offer and Acceptance. If you submit a Transaction, you are requesting that we process your Transaction, an offer which we may accept or reject at our sole discretion from our place of business.
    1. Charges. For each Transaction that you submit, you agree to pay us a service fee (the "Service Fee") plus the Transaction Amount. Additional charges may apply. Payment is due at the time you submit your Transaction.
    2. Payment. In order for us to collect payment from you, you authorize us to access, charge, or debit funds from, any of the payment instruments you provide us in connection with your use of the Service (each, a "Payment Instrument" including, for example, your credit card, debit card, PayPal account, or bank account). If your payment fails or is insufficient, you authorize us to re-try one or more times using the same or a different Payment Instrument. For example, if there are insufficient funds in your bank account at the time you submit your Transaction, we may try to debit your bank account or charge your credit card at a later time. You represent and warrant that you are the lawful owner of your Payment Instrument(s).
    3. Other Charges. OrbitRemit is not responsible for any fees or charges that may be imposed by the financial institutions associated with your Payment Instruments. For example, some credit card issuers may treat the use of your credit card to use the Service as a "cash advance" rather than a purchase transaction, and may impose additional fees and interest rates for the transaction.
    4. Foreign Exchange. OrbitRemit and its Service Providers (defined below) usually make money when you pay for a Transaction in one currency, and the Transaction is paid out in another, based on the exchange rate determined by OrbitRemit and specified on the website. The exchange rate specified for a Transaction is only applicable if payment in full for the Transaction (including the Service Fee and all relevant charges) is made at the same time that the Transaction is submitted. If payment is not made at that time (for example if there are insufficient funds in your bank account) then a different exchange rate may be applicable when payment is made. If payment is not received into OrbitRemit's designated bank account in cleared funds within 24 hours of a transaction being submitted, then a different exchange rate may be applicable. A different exchange rate may also apply in all cases where a transaction is submitted on a Friday or a Public Holiday or other such event where the completion of a transaction within 24 hours is beyond the control of OrbitRemit.
    1. Service Providers. We work with local banks, money exchange houses, and other third party service providers (each, a "Service Provider") to pay funds out to Recipients. You, in your capacity as a Sender, hereby appoint your Recipient as your agent for the purpose of receiving funds in connection with the Service.
    2. b. Verification. Recipients may be required to prove their identity before receiving funds by presenting valid, unexpired identification papers from a list of acceptable forms of identification, for example a valid passport , drivers licence or national identity card. In addition, Recipients may be required to provide a Transaction tracking number and/or "secret word" associated with their Transaction.
    1. General. We may, in our sole discretion, refuse any Transaction or limit the amount to be transferred, either on a per transaction basis or on an aggregated basis. We reserve the right at any time, and from time to time, to modify or discontinue the Service (or any part thereof) with or without notice.
    2. Delays. OrbitRemit does not guarantee any specific timeframe due to various factors including business hours, currency and the need for verification of identity or the availability of your funds Nevertheless, you may be entitled to a refund in certain circumstances, as described herein.
    3. Unauthorized Transactions. You may not use the Service in violation of these Terms or applicable laws, rules and regulations, including but not limited to rules and regulations relating to money laundering, illegal gambling activities, fraud, and the funding of terrorist organizations.
    4. Commercial Transactions. We have no control over, and are not responsible for, the quality, safety, legality, or delivery of goods or services that you pay third parties for using the Service. You acknowledge that any use of the Service for to pay for such goods and services is at your own risk.
    5. Ineligibility. We may, at our sole discretion, refuse Transactions from certain Senders and to certain Recipients, including without limitation, entities and individuals that are included on the Specially Designated Nationals list, Non-cooperative Countries and Territories list, the Office of Foreign Asset Control list, and such other lists as may be issued from time to time by government agencies in the countries OrbitRemit offers transaction services.
    6. Others. You may not submit or receive a Transaction on behalf of another person or entity.
    7. No Changes. We do not let you change the details of your Transaction once it's submitted to us for processing. It is your responsibility to make sure your Transaction details are accurate.
    1. Privacy Policy. By agreeing to these Terms, you acknowledge and consent to OrbitRemit's Privacy Policy. The Privacy Policy can be found at https://www.orbitremit.com/privacy
    2. b. Disclosure. You should be aware that: If we are requested or required by the police or any regulatory or government authority investigating suspected illegal activities, or upon the receipt of a court order, to provide your Personal Information and/or information concerning your activities whilst using the Website we shall do so; and We reserve the right in our reasonable discretion to disclose details of your use of the Website in relation to any, or any threatened, Court Proceedings in connection with your use, or the use of anyone under your control, of the Website whether in connection with the matters set out in these Conditions or otherwise.
    3. Government Disclosures. We may provide information about you and your Transactions to government authorities and enforcement agencies, as described in our Privacy Policy.
    4. Address & Identity Verification. You authorise Orbit-Remit to complete a free e-identity check through Equifax, MatrixID and CallML to comply with relevant regulatory requirements in New Zealand, Australia, United Kingdom, and any other countries as maybe required . This is not a credit check, and will identify you to satisfy these rules in most cases.
    1. General. Please let us if you have any problems with the Service. You can contact us using the contact information at the bottom of these Terms. Residents of certain jurisdictions may also consider the following:
    2. Refunds. In general, we do not provide refunds unless we did something wrong. We will consider your written request for a refund (submitted by email, or by mail using the contact information at the bottom of these Terms) if you provide the Sender's full name, address, and phone number, together with the Transaction tracking number, Transaction Amount, and the reason for your refund request.
      If we do provide you a refund, we will only refund the Transaction Amount if the Transaction was not paid out to the Recipient (in which case we will also cancel your pending Transaction); otherwise, we will only refund the Service Fee. Refunds will be credited to the same Payment Instrument used to pay for the Transaction.
      RIGHT TO REFUND: You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if OrbitRemit does not forward the funds received from you within 5 days of the date of its receipt, or does not give instructions committing an equivalent amount of funds to the person designated by you within 5 days of the date of the receipt of the funds from you unless otherwise instructed by you.
      If your instructions as to when the funds shall be forwarded or transmitted are not complied with and the funds have not yet been forwarded or transmitted you have a right to a refund.
      If you want a refund, you must email your written request to OrbitRemit at [email protected]; or mail it to OrbitRemit Global Money Transfer Ltd, attn: Customer Service,182 Vivian Street, Wellington, New Zealand.

    You acknowledge that the Service, including but not limited to the content of this website, text, graphics, links, buttons, logos, and images, as well as all other OrbitRemit copyrights, trademarks, service marks, logos, and product and service names are owned or licensed exclusively by OrbitRemit (the "OrbitRemit Intellectual Property"). You agree not to display, use, copy, or modify the OrbitRemit Intellectual Property in any manner. You are authorized solely to view and retain a copy of the pages of this website for your own personal, non-commercial use. You further agree not to: (i) use any robot, spider, scraper or other automated device to access the Service; or (ii) remove or alter any author, trademark or other proprietary notice or legend displayed on this website (or printed pages thereof).

    1. The Website and the service is provided "as is" and without any warranty or condition, express, implied or statutory. We, our subsidiaries, employees and our suppliers specifically disclaim any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement.
    2. We make reasonable efforts to ensure that Transactions are processed in a timely manner, but we make no representations or warranties regarding the time needed to complete processing because the Service is largely dependent on many factors outside our control. Notwithstanding the foregoing, you may have a right to a refund as expressly described herein.
    3. Notwithstanding any other provision in these Terms, nothing shall limit your rights as a consumer under New Zealand law including under the Consumer Guarantees Act, provided that if you are acquiring the Services for the purposes of a business you agree that the Consumer Guarantees Act 1993 does not apply.

    You agree to indemnify and hold OrbitRemit, Service Providers, and their respective subsidiaries, officers, agents, partners, and employees harmless from any claim or demand, including reasonable solicitor's fees, made by any third party due to or arising out of your use of the Service, your connection to the Service, the use of any other person accessing the Website using your PC or internet access account, your violation of the Terms, or your violation of any rights of another.


    In no event shall OrbitRemit, Service Providers, or their respective subsidiaries, officers, agents, partners, or employees be liable for any direct, indirect, incidental, special, consequential or exemplary damages beyond the sum of $500.00 (in addition to refunding the transaction amount and service fees), including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if orbitremit has been advised of the possibility of such damages) resulting from any act or omission (whether negligent or otherwise) on the part of orbitremit, disbursement partners, or their respective subsidiaries, officers, agents, partners, or employees.

    1. Governing Law. These Terms shall be governed according to the laws of New Zealand, and all activities performed in connection with the Service shall be deemed to have been performed in New Zealand. Any controversy, dispute, or claim arising out of or relating to the Service or Terms (a "Claim") shall be governed by and construed in accordance with the laws of New Zealand, except that body of law governing conflicts of law.

    You acknowledge that these Terms shall be entered into electronically, and that the following categories of information ("Communications") may be provided by electronic means: (i) these Terms and any amendments, modifications or supplements to it; (ii) your records of transactions through the Service; (iii) any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by federal or state law; (iv) any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the Service; (v) any other communication related to the Service or OrbitRemit.
    The Service does not allow for Communications to be provided 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. In order to withdraw your consent, you must contact us using our contact information at the end of these Terms.

    In order to access and retain Communications, you must have: (i) an Internet browser that supports 128-bit encryption, such as Netscape Navigator version 4.0 or above or Internet Explorer version 4.0 or above, (ii) an e-mail account and e-mail software capable of interfacing with OrbitRemit’s e-mail servers, (iii) a personal computer, operating system and telecommunications connections to the Internet capable of supporting the foregoing, (iv) sufficient electronic storage capacity on your computer's hard drive or other data storage unit, (v) a printer that is capable of printing from your browser and e-mail software. In addition, you must promptly update us with any change in your email address by updating your profile. Any failure by you to provide accurate and up to date contact information will result in the immediate termination of your right to access the services provided by OrbitRemit.


    In the event where OrbitRemit in good faith and on the instruction of you our client has paid to an account clearly identified as the account to which you as the sender have instructed funds to be paid and OrbitRemit has not received funds from you for this payment and requests by OrbitRemit for payment have been ignored OrbitRemit will initiate debt recovery proceedings through our duly appointed agents in New Zealand, Australia and the United Kingdom. All costs associated with the recovery of such debt will be charged to you the sender. In addition where excess funds may have been paid to an account in error the customer will immediately return funds to an account nominated by OrbitRemit. In the event the customer does return funds within 5 days OrbitRemit will initiate debt recovery proceedings through our duly appointed agents in New Zealand, Australia and the United Kingdom. All costs associated with the recovery of funds will be charged to you the sender.


    Questions, notifications, and requests for refunds or further information can be sent to OrbitRemit, as follows: online at [email protected] by telephone at New Zealand +64 4 889 2864, Australia +61 3 5294 0380, United Kingdom +44 20 3286 9592.

  16. OTHER
    1. Entire Agreement. The Terms constitute the entire agreement between you and OrbitRemit and governs your use of the Service, superseding any prior agreements between you and OrbitRemit.
    2. No Waiver. The failure of OrbitRemit to exercise or enforce any right or provision of the Terms shall not constitute a waiver of such right or provision.
    3. Severability. If any provision of the Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavour to give appropriately valid effect to the intention of the Terms as reflected in the provision, and the other provisions of the Terms shall remain in full force and effect.
    4. Enabling Amendment. We retain the right to
      1. modify or withdraw, temporarily or permanently, the Services (or any part of) with or without notice to you and you confirm that we shall not be liable to you or any third party for any modification to or withdrawal of the Website; and/or
      2. change these Terms from time to time, and your continued use of the Services (or any part of) following such change shall be deemed to be your acceptance of such change. It is your responsibility to check regularly to determine whether the Agreement has been changed. If you do not agree to any change to the Agreement then you must immediately stop using the Services.
      3. We will use our reasonable endeavours to maintain the Services via the website. The Services are subject to change from time to time. You will not be eligible for any compensation because you cannot use any part of the Services or because of a failure, suspension or withdrawal of all or part of the Services or this website due to circumstances beyond our control.
    5. Language. In the event there is any inconsistency between the English and or any other language text on this website, including the Terms, the English text shall be binding.
Diwali Competition
  1. The promoter is OrbitRemit Ltd (Company Registration Number: 2174112) whose registered office is at Level 1, 182 Vivian Street, Wellington, New Zealand.
  2. Employees of OrbitRemit or their family members or anyone else connected in any way with the competition or helping to set up the competition shall not be permitted to enter the competition.
  3. To gain entry to this competition, the Participant must make a payment from any “Send” country to India using OrbitRemit during the Competition Period (25th October 2016 - 13th November 2016). One payment qualifies one entry into the competition. Subsequent entries results in additional entries.
  4. Route to entry/payment process information can be found at orbitremit.com
  5. Closing date for entry will be 13th November 2016 at 23h59 (NZST). After this dated time, no further entries to the competition will be permitted.
  6. Prize includes 2 adult flights to one of the following Indian ports: Indira Gandhi International Airport - Delhi, Chhatrapati Shivaji International Airport - Mumbai, Kempegowda International Airport Bengaluru, Chennai International Airport - Chennai. Flying from one of the following: Auckland International Airport - Auckland, Wellington International Airport - Wellington, Christchurch International Airport - Christchurch, Melbourne International Airport - Melbourne, Sydney International Airport - Sydney, Perth International Airport - Perth, Heathrow Airport - London.
  7. Travel dates are between 31st January 2017 and 30th June 2017.
  8. Spending money, meals, travel taxes, travel insurance, passports, visas, transport to and from departure point and all other ancillary costs, as well as obtaining any of these, are the responsibility of the winner.
  9. The Promoter will not be liable for any loss or damage whatsoever which is suffered (including but not limited to indirect or consequential loss) or for any personal injury suffered or sustained in connection with the prize except for any liability, which cannot be excluded by law. The Promoter will not be responsible for any incorrect, inaccurate or incomplete information communicated in the course of or in connection with this promotion if the deficiency is occasioned by any cause outside the reasonable control of the Promoter including without limitation technical malfunctions or failures.
  10. The flights must be confirmed with passport details within 3 months after the issue date, otherwise it will be deemed to be forfeited by the winner. Once booked and issued, all terms, conditions, travel validity & changes are subject to the chosen airlines rules. Prize is non-refundable and non-transferable.
  11. The promoter reserves the right to cancel or amend the competition and these terms and conditions without notice in the event of a catastrophe, war, civil or military disturbance, act of God or any actual or anticipated breach of any applicable law or regulation or any other event outside of the promoter’s control. Any changes to the competition will be notified to entrants as soon as possible by the promoter.
  12. The promoter is not responsible for inaccurate prize details supplied to any entrant by any third party connected with this competition.
  13. No cash alternative to the prizes will be offered. The prizes are not transferable. Prizes are subject to availability and we reserve the right to substitute any prize with another of equivalent value without giving notice.
  14. The winner will be chosen by an independent adjudicator or panel of judges appointed by the Promoter.
  15. The winner will be notified by email and/or letter within 28 days of the closing date. If the winner cannot be contacted or do not claim the prize within 14 days of notification, we reserve the right to withdraw the prize from the winner and pick a replacement winner.
  16. The promoter’s decision in respect of all matters to do with the competition will be final and no correspondence will be entered into.
  17. By entering this competition, an entrant is indicating his/her agreement to be bound by these terms and conditions.
  18. The competition and these terms and conditions will be governed by New Zealand law and any disputes will be subject to the exclusive jurisdiction of the courts of New Zealand.
  19. The winner agrees to the use of his/her name and image in any publicity material. Any personal data relating to the winner or any other entrants will be used solely in accordance with current NZ data protection legislation and will not be disclosed to a third party without the entrant’s prior consent.
  20. Entry into the competition will be deemed as acceptance of these terms and conditions.
  21. This promotion is in no way sponsored, endorsed or administered by, or associated with, Facebook, Twitter or any other Social Network. You are providing your information to OrbitRemit and not to any other party