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Terms of Service
Last Updated: Jun 10, 2026
Welcome to MARHABA. These Terms of Service ("Terms") govern your use of MARHABA's money transfer services, website, and mobile application. By using our services, you agree to be bound by these Terms.
1. Eligibility
To use MARHABA's services, you must:
- Be at least 18 years of age
- Have legal capacity to enter into a binding agreement
- Provide accurate and complete identification information
- Not be located in or a resident of a sanctioned country
- Use the services only for lawful purposes
2. Account Registration
You must create an account to use our services. You agree to:
- Provide accurate, current, and complete information
- Maintain the security of your account credentials
- Notify us immediately of any unauthorized access
- Accept responsibility for all activities under your account
3. Money Transfer Services
3.1 How It Works
MARHABA facilitates international money transfers. You provide the recipient's information, pay the transfer amount plus applicable fees, and we transmit the funds to your recipient.
3.2 Transfer Limits
Transfer limits vary based on your verification level, destination country, and regulatory requirements. We may adjust limits at our discretion.
3.3 Exchange Rates
Exchange rates are provided at the time of transaction and may fluctuate. The rate is locked in when you complete your transfer, not when you initiate it.
4. Fees and Payments
All applicable fees will be disclosed before you complete a transfer. Fees include:
- Transfer fees based on amount and destination
- Exchange rate margins
- Potential intermediary bank fees (disclosed where known)
We reserve the right to change fees with prior notice.
5. Transaction Processing
- Processing Time: Transfers typically complete within 1-3 business days
- Cancellation: You may cancel a transfer before it's completed, subject to cancellation fees
- Recipient Information: You are responsible for providing correct recipient details. Errors may result in lost funds
- Refunds: Refunds are processed according to our Refund Policy
6. Compliance with Laws
MARHABA complies with all applicable financial regulations, including anti-money laundering (AML) and counter-terrorism financing (CTF) laws. We may:
- Verify your identity before processing transfers
- Monitor transactions for suspicious activity
- Report certain transactions to regulatory authorities
- Delay or reject transfers that raise compliance concerns
7. Prohibited Activities
You may not use MARHABA for:
- Illegal gambling or unauthorized lotteries
- Drug trafficking or illegal substances
- Terrorist financing or supporting sanctioned entities
- Fraudulent schemes or money laundering
- Adult content or services
- Weapons or ammunition sales
8. Intellectual Property
All content on our platform, including logos, trademarks, software, and designs, is owned by MARHABA and protected by intellectual property laws. You may not copy, modify, or distribute our content without permission.
9. Limitation of Liability
To the maximum extent permitted by law, MARHABA shall not be liable for:
- Indirect or consequential damages
- Loss of profits, data, or business opportunities
- Delays caused by third parties or regulatory requirements
- Errors in recipient information provided by you
Our total liability is limited to the amount of the transfer fee paid.
10. Indemnification
You agree to indemnify and hold MARHABA harmless from any claims, damages, or expenses arising from your violation of these Terms or applicable laws.
11. Termination
We may suspend or terminate your account for:
- Violation of these Terms
- Suspected fraudulent or illegal activity
- Failure to verify your identity
- Any other reason at our discretion
12. Governing Law
These Terms are governed by the laws of England and Wales. Any disputes shall be resolved in the courts of London, United Kingdom.
13. Changes to Terms
We may update these Terms periodically. Continued use of our services constitutes acceptance of modified Terms.
14. Contact Information
For questions about these Terms, contact us via our Contact page.
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Fast, affordable remittances to 80+ countries. Built for the people who keep families connected.
Fast, affordable remittances to 80+ countries. Built for the people who keep families connected.
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