Welcome to Karlilu! If you choose to continue to browse and use the Karlilu website (hereinafter, Karlilu, www.karlilu.com and Karlilu, LLC may be collectively referred to as “Karlilu”), you are agreeing to comply with and be bound by the following terms and conditions of use, as well as any and all disclaimers of warranties and liability (hereinafter referred to as the “Agreement”). You do not have to agree to these terms and conditions, however, if you do not agree to be bound with any part of these terms and conditions or disclaimers, you will not be permitted to use this website or services of Karlilu.
This Agreement is effective upon acceptance by new users. You accept this Agreement by clicking the Submit button when registering a Karlilu account; accessing or using Karlilu’s, or its affiliates’, sites, service, and tools; or as otherwise indicated on a specific site, service, or tool.
You represent that you are eighteen (18) years of age or older.
Please be advised: this Agreement contains provisions that govern how claims you and we have against each other are resolved. It also contains an Agreement to Arbitrate. Unless you opt-out: (1) you will only be permitted to pursue claims against Karlilu and its affiliates (including, but not limited to, Karlilu, LLC, and the individual members or managers) on an individual basis, not as part of any class or representative action or proceeding, and (2) you will only be permitted to seek relief (including monetary, injunctive, and declaratory relief) on an individual basis.
Before you may become a member of the Karlilu community, you must read and accept all of the terms in, and linked to, this Agreement and the Karlilu Privacy Policy. We strongly recommend that, as you read this Agreement, you also access and read any linked information. By accepting this Agreement, you agree that this Agreement and Privacy Policy will apply any time you use Karlilu and its affiliates’ sites or services, or when you use the tools that are made available to interact with Karlilu sites and services.
You are required to comply with, and to ensure compliance with, all laws, ordinances, and regulations applicable to your activities on Karlilu.
All text, graphics, button icons, images, audio clips, and software (collectively, "Content"), belongs exclusively to Karlilu, or its affiliates. The collection, arrangement, and assembly of all Content on Karlilu (the "Compilation") belongs exclusively to Karlilu or its affiliates. All software used on Karlilu (the "Software") is the property of Karlilu, its affiliates or its Software suppliers. The Content, the Compilation and the Software are all protected by U.S. and international copyright laws. Karlilu, www.karlilu.com and other logos, slogans, trade names or words are registered trademarks, trademarks or service marks of Karlilu, LLC, its affiliates, suppliers, or third parties. The use of any of our trademarks or service marks without our express written consent is strictly prohibited. You may not use our trademarks or service marks in connection with any product or service in any way that is likely to cause confusion. You may not use our trademarks or service marks in any manner that disparages or discredits us. You may not use any of our trademarks or service marks in meta tags without prior explicit consent.
USE OF SITE
ACCOUNT ACCESS AND ELECTRONIC COMMUNICATION
We may assign you a password and account identification to enable you to access and use certain portions of Karlilu. Each time you use a password or identification, you will be deemed to be authorized to access and use Karlilu in a manner consistent with the terms and conditions of this Agreement, and we have no obligation to investigate the authorization or source of any such access or use of Karlilu. YOU WILL BE SOLELY RESPONSIBLE FOR ALL ACCESS TO AND USE OF THIS SITE BY ANYONE USING THE PASSWORD AND IDENTIFICATION ORIGINALLY ASSIGNED TO YOU WHETHER OR NOT SUCH ACCESS TO AND USE OF THIS SITE IS ACTUALLY AUTHORIZED BY YOU, INCLUDING WITHOUT LIMITATION, ALL COMMUNICATIONS AND TRANSMISSIONS AND ALL OBLIGATIONS (INCLUDING WITHOUT LIMITATION FINANCIAL OBLIGATIONS) INCURRED THROUGH SUCH ACCESS OR USE. You are solely responsible for protecting the security and confidentiality of the password and identification assigned to you. You shall immediately notify us of any unauthorized use of your password or identification or any other breach or threatened breach of this Site's security.
When you use Karlilu, or send e-mails to us, you are communicating with us electronically, you consent to receive communications from us electronically. We will communicate with you by e-mail, phone, text message, push mobile notifications, or by posting notices on Karlilu, social media platforms, or through our other services. You agree that all agreements, notices, disclosures and other communication that we provide to you electronically satisfy any legal requirements that such communications be in writing.
The listing or display of materials or products of any business, organization, association, or other entity or product or services thereof (hereinafter referred to as the “displayed entities”) on this website does not constitute an endorsement by Karlilu, KARLILU, LLC, or any of the individual members or managers of said entities. Moreover, the inclusion of any business, organization, association, or other entity on this website does not indicate in any manner that Karlilu or its affiliates support, sanction, or verify the information of such entities. Furthermore, through this website you are able to link to other websites over which we have no control. The inclusion of any links does not imply a recommendation or endorse the views expressed within them.
Parties other than Karlilu operate stores, provide services, or sell product lines through the website. In addition, we provide links to the sites of affiliated companies and certain other businesses. We are not responsible for examining or evaluating, and we do not warrant the offerings of, any of these businesses or individuals or the content of their websites. Karlilu does not assume any responsibility or liability for the actions, product, and content of all these and any other third parties. You should carefully review their privacy statements and other conditions of use.
No agency, partnership, joint venture, employee-employer, or franchiser-franchisee relationship is intended or created by this Agreement.
The product and service descriptions on this website are intended as an informational tool only and is being made available as a service. The information and materials contained on this website may contain inaccuracies, errors, or omissions. Karlilu and its affiliates expressly disclaim any responsibility or liability for any such inaccuracies, errors or omissions on this website to the fullest extent permitted by law.
Every effort is made to keep this website up and running smoothly. However, Karlilu, KARLILU, LLC, and any of the individual members or managers take no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.
You agree that you are making use of the sites, services, products and tools at your own risk, and that they are being provided to you on an “AS IS” and “AS AVAILABLE” basis.
Accordingly, to the extent permitted by applicable law, Karlilu and its affiliates disclaims all express or implied warranties, terms and conditions including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. In addition, to the extent permitted by applicable law, we are not liable, and you agree not to hold Karlilu and its affiliates responsible, for any damages or losses resulting directly or indirectly from: (a) your use of or your inability to use our sites, services, products and tools; (b) delays or disruptions in our sites, services, or tools; (c) viruses or other malicious software obtained by accessing our sites, services, or tools, or any site, service, or tool linked to our sites, services, or tools; (d) glitches, bugs, errors, or inaccuracies of any kind in our sites, services, and tools or in the information and graphics obtained from them; (e) service or product delivery errors due to information you provided in your order (f) the content, actions, or inactions of third parties; and/or (g) a suspension or other action taken with respect to your account. You expressly agree that your use of the Karlilu services and products is at your sole risk.
A Karlilu, LLC Money Transfer customer (the "Sender") may send a Money Transfer to a designated Beneficiary (the "Receiver") anywhere in the world where Karlilu, LLC offers its services over the Internet (the "Service") using Debit Card, Online Transfer and Cash or any other electronic payment method ("Payment Method"). Money Transfers will normally be paid to the Receiver in cash or bank deposit. Money Transfers are promptly made available to the Receiver for pick up, or deposit into Beneficiary’s bank account after validation of Sender information which may take up to 24 hours, at Karlilu, LLC’s agent locations in the destination country. Certain money transfer services, transfers that exceed certain principal amounts, and/or transfers to certain destinations may take longer or be subject to additional restrictions. In all destinations, the Receiver may be required to provide proper identification to receive the payment. Please contact Karlilu, LLC at the Customer Support telephone number listed below for current information regarding the availability of your transaction and current status. Karlilu, LLC reserves the right to limit the principal amount of a Money Transfer, or to decline to accept or pay any Money Transfer that it or its agents determine in their sole discretion violates any applicable law or Karlilu, LLC policy. Please contact Karlilu, LLC at the Customer Support telephone number listed below for current information regarding the conditions applicable to the service you have selected or your expected payment location. When required by applicable law, Money Transfers sent or received in any country, will be reported to federal, provincial, local and/or foreign authorities. You will be required to provide Karlilu, LLC with certain information to allow us, among other things: to verify your identity; to receive appropriate Payment Method authorization; and/or to complete the transaction. Please refer to Karlilu, LLC 's Online Privacy Statement for information concerning Karlilu, LLC use of this and other personal information.
Transfer Fees. In consideration for the use of the Service, you agree to pay to Karlilu, LLC a fee for each Money Transfer initiated by you at the applicable rate then in effect (the "Transaction Fee"). The applicable Transaction Fee for your transaction will be provided to you prior to your final authorization of the transaction, in addition to any applicable fees for additional services.
Currency Exchange. All payments will be made in the currency of the destination country (except in a limited number of instances where payment can be made in the sending currency). In addition to the transfer fees applicable to this transaction, a currency exchange rate will be applied. Local currency is converted to foreign currency at an exchange rate set by Karlilu, LLC. Any difference between the rate given to customers and the rate received by Karlilu, LLC will be kept by Karlilu, LLC (and, in some cases, its international agents) in addition to the Transfer Fees. For information concerning the current currency exchange rates provided by Karlilu, LLC to its customers call (+1) 720-937-5901 or visit the website www.karlilu.com
Payment. Transaction fees and the principal amount are due and payable before Karlilu, LLC processes the transaction. You must pay for the Service with your Payment Method. If Karlilu, LLC does not receive authorization from the Payment Method issuer, the transaction will be not be processed and funds will not be transmitted to the Receiver. Karlilu, LLC assumes no liability for damages resulting from or arising out of non-payment of the Money Transfer by reason of non-receipt of authorization from the Payment Method issuer. Each time you use the Service you agree that Karlilu, LLC is authorized to charge your designated Payment Method account for the principal amount, the transfer fee and any other applicable fees. (Your agreement with your Payment Method issuer governs use of your Payment Method, and you must refer to that agreement to ascertain your rights and liabilities as a user of your Payment Method, which may include a "cash advance" fee.)
REFUNDS OF PRINCIPAL AMOUNT and cancellation of the Money Transfer will be made upon written request of the Sender and or through electronic system if payment to the Receiver has not yet been made at the time the request is processed by Karlilu, LLC Refunds will be made within fifteen (15) business days of receipt of a valid written request from the Sender. REFUNDS OF FEES will be made upon written request of the Sender if the Money Transfer is not available to the Receiver within the time specified by Karlilu, LLC for the selected service, subject to the business hours of the location selected by the Receiver for payment and other special conditions.
Telephone notification to the Receiver that the Money Transfer is available for pick up is offered in The Gambia.
If a Money Transfer is not picked up by the Receiver or is not cancelled by the Sender prior to pick up within one (1) year of the date it was sent, there will be a non-refundable administration charge where permitted by law. The administration charge will be deducted from the principal amount of the Money Transfer. The administration charge is two (2) US Dollars per month from the date the Money Transfer was sent, but not more than Twenty Five (25) US Dollars.
Karlilu, LLC shall exercise its best efforts to resolve any disputes that arise by our customers. In the event that you are dissatisfied with the Services or believe an error has occurred with your Transfer, please contact us as soon as possible. For full details of our complaints procedure or customer protection advice, or to submit a complaint, comment or question, you can: Step 1 – Contact Customer Service Office at +1 720-937-5901 Step 2 – Write to the Karlilu, LLC Customer Service Department: 9716-B Rea Road - 122, Charlotte, NC - 28277 Step 3 – Email us at support@karlilu.com If you call us we may ask you to follow up with details in writing within ten (10) working days.
Please see the applicable disclosures generated in connection with your Transfer for information regarding the reporting and resolution of any errors with respect to your Transfer.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS WEBSITE, INCLUDING, BUT NOT LIMITED TO INDIRECT, INCIDENTAL, PUNITIVE, EXEMPLARY, SPECIAL OR CONSEQUENTIAL DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL LIABILITY TO YOU FOR ANY DAMAGES (REGARDLESS OF THE FOUNDATION FOR THE ACTION) SHALL NOT EXCEED IN THE AGGREGATE THE AMOUNT OF FEES ACTUALLY PAID BY YOU TO US DURING THE MONTH IMMEDIATELY PRECEDING THE ACT ALLEGEDLY GIVING RISE TO OUR LIABILITY.
You will indemnify and hold Karlilu, its affiliates and subsidiaries, and their respective officers, directors, members, managers, employees, and agents, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your breach of this Agreement, your improper use of Karlilu’s sites, services, projects or tools, and/or your violation of any law or the rights of a third party.
You and Karlilu (and our affiliates and subsidiaries, and our and their respective officers, directors, members, managers, employees, and agents) agree that any claim or dispute at law or equity that has arisen or may arise between us will be resolved in accordance with the provisions set forth in this Legal Disputes Section. Please read this Section carefully. It affects your rights and will have a substantial impact on how claims you and we have against each other are resolved.
You agree that the laws of the State of North Carolina, without regard to principles of conflict of laws, will govern this Agreement and any claim or dispute that has arisen or may arise between you and Karlilu (and our affiliates), except as otherwise stated in this Agreement
You and Karlilu (and its affiliates) each agree that any and all disputes or claims that have arisen or may arise between you and Karlilu (and its affiliates) shall be resolved exclusively through final and binding arbitration, rather than in court, except that you may assert claims in small claims court, if your claims qualify. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate.
YOU AND KARLILU (AND ITS AFFILIATES) AGREE THAT EACH OF YOU MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS PART OF ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND KARLILU (AND ITS AFFILIATES) AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S OR PARTY’S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAIM(S). ANY RELIEF AWARDED CANNOT AFFECT OTHER KARLILU USERS.
The arbitration will be conducted by the American Arbitration Association (“AAA”) under its rules and procedures, including the AAA’s Supplementary Procedures for Consumer-Related Disputes (as applicable), as modified by this Agreement to Arbitrate. The AAA’s rules are available at www.adr.org. A form for initiating arbitration proceedings is available on the AAA’s website at http://www.adr.org Telephone number 1-800-778-7879. The arbitration shall be held in the county in which you reside or at another mutually agreed location. If the value of the relief sought is $10,000 or less, you or Karlilu (and its affiliates) may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and Karlilu (and its affiliates) subject to the arbitrator’s discretion to require an in-person hearing, if the circumstances warrant. Attendance at an in-person hearing may be made by telephone by you and/or Karlilu (and its affiliates), unless the arbitrator requires otherwise. The arbitrator will decide the substance of all claims in accordance with the laws of the State of North Carolina, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator shall not be bound by rulings in prior arbitrations involving different Karlilu users, but is bound by rulings in prior arbitrations involving the same Karlilu user to the extent required by applicable law. The arbitrator’s award shall be final and binding and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.
Payment of all filing, administration and arbitrator fees will be governed by the AAA’s rules, unless otherwise stated in this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at your request, Karlilu will pay all filling, administration, and arbitrator fees associated with the arbitration. Any request for payment of fees by Karlilu should be submitted by mail to the AAA along with your Demand for Arbitration and Karlilu will make arrangements to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, Karlilu will pay as much of the filing, administration, and arbitrator fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. In the event the arbitrator determines the claim(s) you assert in the arbitration to be frivolous, you agree to reimburse Karlilu for all fees associated with the arbitration paid by Karlilu on your behalf, which you otherwise would be obligated to pay under the AAA’s rules.
With the exception of any of the provisions in Section 1 of this Agreement to Arbitrate (“Prohibition of Class and Representative Actions and Non-Individualized Relief”), if a court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If a court decides that any of the provisions in Section 1 of this Agreement to Arbitrate (“Prohibition of Class and Representative Actions and Non-Individualized Relief”) is invalid or unenforceable, then the entirety of this Agreement to Arbitrate shall be null and void. The remainder of the Agreement and its Legal Disputes Section will continue to apply.
You can choose to reject this Agreement to Arbitrate (“opt-out”) by mailing us a written opt-out notice (“Opt-Out Notice”). The Opt-Out Notice must be postmarked no later than 30 days after the date you accept the Agreement for the first time. You must mail the Opt-Out Notice to Karlilu, c/o Karlilu, LLC, 7922 Long Nook Lane, Charlotte, North Carolina 28277. The Opt-Out Notice must state that you do not agree to this Agreement to Arbitrate and must include your name, address, and the user ID(s) and email address(es) associated with the Karlilu account(s) to which the opt-out applies. You must sign the Opt-Out Notice for it to be effective. This procedure is the only way you can opt-out of the Agreement to Arbitrate. If you opt-out of the Agreement to Arbitrate, all other parts of the Agreement and its Legal Disputes Section will continue to apply to you. Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with us.
Notwithstanding any provision in the Agreement to the contrary, you and Karlilu agree that if Karlilu or its affiliates make any change to this Agreement to Arbitrate (other than a change to any notice address or website link provided herein) in the future, that change shall not apply to any claim of which you provided Karlilu with written notice prior to the effective date of the change. Moreover, if we seek to terminate the Agreement to Arbitrate as included in the Agreement, any such termination shall not be effective until 30 days after the version of the Agreement not containing the Agreement to Arbitrate is posted to www.karlilu.com, and shall not be effective as to any claim of which you provided Karlilu with written notice prior to the date of termination.
Unless you and Karlilu or its affiliates agree otherwise, in the event that the Agreement to Arbitrate above is found not to apply to you or to a particular claim or dispute, either as a result of your decision to opt-out of the Agreement to Arbitrate or a court order, you agree that any claim or dispute that has arisen or may arise between you and Karlilu must be resolved exclusively by a state or federal court located in Mecklenburg County, North Carolina. You and Karlilu agree to submit to the personal jurisdiction of the courts located within Mecklenburg County, North Carolina for the purpose of litigating all such claims or disputes.
The content of this website is for your general information and use only. It is subject to change at any time without notice.
Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. It shall be your own responsibility to ensure that any products, services, or information available through this website meet your specific requirements.
This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance, and graphics. Reproduction is prohibited other than in accordance with copyright notice.
Unauthorized use of this website may give rise to a claim for damages, and may constitute a criminal offense..
Unless stated otherwise in this Agreement, if any of the provisions in this Agreement shall be deemed invalid, void, or for any reason unenforceable, such provisions shall be deemed severable and shall not affect the validity and enforceability of any remaining provision. Headings are for reference purposes only and do not limit the scope or extent of such Section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. We do not guarantee we will take action against all breaches of this Agreement.
We may amend this Agreement at any time by posting the amended terms on www.karlilu.com. Our right to amend the Agreement includes the right to modify, add to, or remove terms in the Agreement. Except as stated otherwise in this Agreement or elsewhere, all amended terms shall automatically be effective 30 days after they are initially posted. This Agreement may not be otherwise amended except in a writing hand signed by you and us. For purposes of this provision, a “writing” does not include an email message and a signature does not include an electronic signature.
This Agreement (including incorporated policies and rules) sets forth the entire understanding and agreement between us with respect to the subject matter hereof. The following Sections survive any termination of this Agreement: Release, Content, Limitation of Liability, Indemnity and Legal Disputes.
KARLILU, LLC AND ITS AGENT RESERVE THE RIGHT TO DECLINE TO SEND OR REFUSE TO PAY ANY MONEY TRANSFER THAT EITHER OF THEM DETERMINES IN THEIR SOLE DISCRETION VIOLATES ANY APPLICABLE LAW OR KARLILU, LLC POLICY.