Consent to electronic communications

1. What this consent covers

ⓘ Everything we need to give you about your account and transactions can be sent to you electronically.

This consent applies to every communication we provide to you in connection with Xpat, now and in the future (“Communications”), including:

• our agreements and policies, such as the Terms of Service and Privacy Policy, and any changes to them;
• disclosures we must give you before you pay for a remittance transfer, and the receipts we give you afterwards, as required by the CFPB Remittance Transfer Rule;
• notices about errors, cancellations, refunds and the results of investigations;
• ACH authorizations and notices about returned or reversed payments;
• transaction confirmations, account statements and activity history;
• privacy notices, including our annual notice under the Gramm-Leach-Bliley Act where one is required;
• tax forms, statements, certificates and other tax documents where US or Indian law requires them, based on your activity and the Xpat products you use — for example, an IRS Form 1099 where legally required for certain reportable rewards, referral payments or interest (an ordinary money transfer does not by itself generate a Form 1099), and records of TDS deducted on transfers to India, which we or our regulated partner provide or facilitate where required;
• security alerts, one-time codes and other service messages;
• any other notice or record that the law requires us to give you in writing.

Where a law requires a separate consent for a particular electronic document — for example certain US tax forms — we will ask for that consent separately.

Some services are provided by our licensed partners. Bivo Inc. has its own Electronic Communications Agreement, which you accept when you open the Cash Plus Account. That agreement covers Bivo’s communications to you; this consent covers ours.

2. How we will send Communications

ⓘ We will show Communications in the app or on our website, or send them by email or text message.

We may provide Communications by:

• showing them in the Xpat app or on xpat.money, including on the screen before you confirm a transaction;
• sending them to the email address on your account, either in the body of the email or as a link to the Communication;
• sending a text message (SMS) or WhatsApp message to the mobile number on your account, either containing the Communication or telling you where to find it;
• sending a push notification or in-app message.

A Communication is treated as delivered when we send it to the email address or mobile number on your account, or make it available in the app or on our website and tell you it is there — even if you do not open it. Please check your email, messages and the app regularly.

Marketing messages are not covered by this consent. You can opt out of them as explained in our Privacy Policy.

3. What you need

ⓘ You need an internet-connected device with a current browser or the Xpat app, plus a working email address and mobile number.

To receive, view and keep Communications, you need:

• a computer, smartphone or tablet with internet access;
• a current version of Chrome, Safari, Edge or Firefox with cookies and JavaScript enabled, or the current Xpat app on a supported version of iOS or Android (minimum supported versions may change from time to time and are shown in the App Store, Google Play or our product documentation);
• a valid email address and a mobile number that can receive text messages;
• software that can open PDF files, for any Communication we provide as a PDF;
• enough storage space to save Communications, or a printer to print them.

If these requirements change in a way that could stop you from accessing or keeping Communications, we will tell you before the change takes effect and you may withdraw your consent at that time without any penalty.

4. Getting a paper copy

ⓘ You can ask us to send you a paper copy of any Communication.

You may ask for a paper copy of any Communication by contacting support at support@xpat.money or +1 866-421-4888. Please tell us which Communication you need and the mailing address to send it to. We do not currently charge for paper copies. Where the law allows, we may introduce a reasonable copying, handling or postage fee in future, and we will give you notice before any fee applies.

Asking for a paper copy does not withdraw your consent to receive Communications electronically.

5. Withdrawing your consent

ⓘ You can withdraw your consent at any time, but because Xpat is an online-only service, we may then close your account.

You may withdraw your consent at any time by contacting support at support@xpat.money, by phone at +1 866-421-4888 or through in-app chat. There is no fee to withdraw your consent.

Xpat is offered only electronically. If you withdraw your consent, we may restrict or close your account and stop providing our services, after you have had the chance to move any money out in line with our Terms of Service. Any transfer already in progress will be completed or cancelled as those terms describe.

Withdrawing consent takes effect after we have had a reasonable time to process it. It does not affect the legal validity of any Communication we provided electronically before then.

6. Keeping your contact details up to date

ⓘ Tell our support team if your email or mobile number changes, because we send Communications there.

You must keep your email address and mobile number current so you can receive Communications. For your security, you cannot change your mobile number or email address yourself in the app — please contact our support team through in-app chat, at support@xpat.money or at +1 866-421-4888, and we will update them after confirming your identity.

If an email or text we send is returned as undeliverable, we may treat the Communication as delivered and may restrict your account until you give us working contact details.

7. Keeping copies

ⓘ Save or print the Communications you want to keep.

You should keep copies of Communications for your records — for example by saving or printing emails, or printing pages from your browser. After your account is closed, you may ask support for copies of records we still hold.

8. Your consent

ⓘ By accepting, you confirm you can access these Communications and agree to receive them electronically.

By accepting this consent, you confirm that:

• you have read it and agree to receive Communications electronically;
• your device meets the requirements above, and you were able to open and read this consent on it;
• you can print or save Communications, or understand how to ask for a paper copy;
• your electronic acceptance has the same effect as a signature on paper.