![]() ![]() If you access the service through a mobile device, your wireless service carrier or mobile network operator's standard charges, data rates and other fees may apply. The Service is also accessible via a mobile device. Please go to the relevant section for your country specific provisions, which can be found between Part C – F, for further information about age of majority. In order to access or use the Service as a Sender, you must be (i) at least eighteen (18) years old or the age of majority in your country, and (ii) able to form legally binding contracts. Any such deduction or withholding, if required by the laws of any country are your sole responsibility. All Transaction Fees (defined herein) related to the Service are made free and clear of, and without any deduction or withholding for and on account of, any taxes, duties or other deductions. The “Payout Currency” is the currency the Sender selects the Payout Amount to be in. The "Payout Amount" is the amount paid out to the Recipient or Third-Party Service Company, excluding any taxes or charges that may be levied under the laws of the Destination and deducted from the Payout Amount (the "Local Taxes"). ![]() The "Transaction Amount" is the amount that the Sender provides to us to send the Transaction, excluding applicable fees, such as the Transaction Fee (as defined in “Payment” below) or stated Third-Party Service Company fees. A "Transaction" is a specific instruction for a Send Money, Reload, or Bill Pay transaction. The "Destination" is the country or region in which the Recipient or Third-Party Service Company receives money. You understand that the person referred to as "Beneficiary" in this User Agreement may be referred to as the "Recipient" on your Reload or Bill Pay receipt. For example, and for illustration purposes only, if you use the Service to pay your relative's electric bill, your relative is your Beneficiary and the electric company which receives the payment is the Third-Party Service Company for that Transaction. A "Beneficiary" is someone for whom a Sender reloads their pre-paid mobile telephone plan or makes a bill payment through the Service. A "Third-Party Service Company" is a seller of Reloads through Xoom or a utility or other entity that receives a bill payment from a Sender through the Service.
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