RHEMIT – TERMS AND CONDITIONS

(For Remittance, Wallet, Currency Exchange, Deposits, Withdrawals, and Third-Party Transfers)

  1. INTRODUCTION

    Welcome to Rhemit (“Company”, “we”, “our”, “us”). By creating an account, accessing, or using our services (“Services”), you (“User”, “Sender”, “Receiver”) agree to comply with and be bound by these Terms and Conditions.

    Rhemit Foreign Exchange and Remittance Services Inc. operates as a Remittance and Transfer Company (RTC) and Electronic Money Issuer (EMI) subject to the rules and supervision of the Sentral ng Pilipinas (BSP) and applicable Philippine laws.

    If you do not agree to these Terms, please discontinue the use of the Services.

  2. DEFINITIONS

    For purposes of these Terms and Conditions, the following definitions shall apply.

    “Account”or “Wallet”refers to the registered Rhemit e-money account created by the User, where electronic monetary value is stored, maintained, and transacted.

    “Sender” is any User who initiates a transfer, payment, or remittance through the Services, while a “Receiver” is the individual or entity designated by the Sender to receive the transferred funds, whether or not such individual holds a Rhemit account.

    “Remittance”refers to the service provided by Rhemit that enables the sending or transferring of funds, whether domestically or internationally, through available channels and partner institutions.

    “Third-Party Receiver” is a recipient who may or may not be a registered Rhemit User but is authorized by the Sender to receive the remitted amount.

    “E-Money” means monetary value stored electronically in the User’s Account, issued in exchange for the receipt of funds, and accepted as a means of payment.

    “KYC” or “Know-Your-Customer” refers to the identity verification process mandated by the Bangko Sentral ng Pilipinas (BSP) and the Anti-Money Laundering Act (AMLA), which all Users must undergo before accessing or using certain Services.

    “Currency Exchange” refers to the conversion of one currency to another, subject to applicable exchange rates, service availability, and fees. Lastly,

    “Business Partners” or “Payout Partners” are third-party institutions, service providers, or entities authorized by Rhemit to assist in processing transactions, payouts, remittances, or related services.

  3. SCOPE OF SERVICES

    Rhemit provides the following:

    1. Wallet Services
      • Store and maintain e-money balances
      • Deposit and withdrawal services
      • Internal transfers between Rhemit users
    2. Remittance Services
      • Domestic remittance
      • Allowed: third-party receivers
      • Remittance to partner outlets, banks, e-wallets, or other receivers
      • Tracking and claiming services
    3. Currency Exchange
      • Exchange of supported currencies
      • Rates may fluctuate without prior notice
    4. Other Services
      • Transaction history
      • Notifications
      • Customer support
  4. ACCOUNT ELIGIBILITY

    To be eligible to create and maintain an account with Rhemit, a User must meet certain minimum requirements to ensure compliance with legal, regulatory, and security standards. The User affirms that they possess the legal capacity to enter into a binding agreement and that all information provided during registration is accurate, current, and complete. Rhemit reserves the right to verify the User’s identity, request additional documentation, and deny or suspend account access at its sole discretion if eligibility requirements are not met or if inconsistencies or risks are identified.

    A User must satisfy all of the following eligibility criteria:

    1. Be at least eighteen (18) years of age.

    The User must be of legal age under Philippine law to open and maintain a financial account and assume contractual obligations.

    2. Possess at least one valid Philippine government-issued identification document.

    Acceptable IDs are those recognized by the Bangko Sentral ng Pilipinas (BSP) and other regulatory agencies for identity verification and KYC purposes.

    3. Agree to undergo Know-Your-Customer (KYC) verification.

    Users must comply with all identity checks, documentary submissions, or biometric verifications required under BSP and Anti-Money Laundering Act (AMLA) regulations.

    4. Provide truthful, accurate, and complete personal information.

    Misrepresentation, falsification, or withholding of required details may result in account suspension, denial of service, or reporting to authorities.

    5. Maintain an active and valid mobile number and email address.

    These communication channels must be accessible for verification, security alerts, and transaction notifications.

    6. Not be previously banned or restricted by Rhemit or other financial service providers for fraud, misuse, or regulatory violations.

    Users with known histories of fraudulent or suspicious behavior may be restricted from creating or maintaining an account.

    Rhemit reserves the right, at its full discretion, to decline account registration, limit access, or suspend any User account without prior notice if any eligibility requirement is unmet, violated, or found to be inconsistent with applicable laws or internal risk policies.

  5. USER VERIFICATION (KYC)

    In compliance with the regulations of the Bangko Sentral ng Pilipinas (BSP) and the requirements of the Anti-Money Laundering Act (AMLA), all Users of Rhemit are required to undergo a mandatory Know-Your-Customer (KYC) verification process. This verification ensures the authenticity of User identities, prevents fraudulent or unlawful transactions, and supports national efforts against money laundering, terrorism financing, and other financial crimes. Rhemit may conduct KYC at the time of account registration, before enabling certain features or transaction limits, or at any time when additional validation is deemed necessary for risk management or regulatory compliance.

    The KYC process may include, but is not limited to, the submission or verification of the following information and documentation:

    • Full personal information, including complete name, address, and date of birth, as required under customer identification standards.
    • Valid government-issued identification documents recognized by Philippine regulatory authorities and suitable for identity confirmation.
    • Selfie or biometric verification, which may involve facial recognition or other digital authentication mechanisms to validate the authenticity of the submitted ID.
    • Proof of income, employment, or financial capacity when required, particularly for higher transaction limits, foreign exchange services, or other regulated features.

    Failure to successfully complete the KYC process, refusal to submit required documentation, or submission of inconsistent or fraudulent information may result in limited account functionality, delay in processing transactions, or temporary or permanent suspension of the User’s account. Rhemit reserves the right to perform ongoing or periodic KYC reviews and request additional documentation at any time to ensure continued compliance with BSP and AMLA regulations.

  6. TRANSACTION LIMITS

    Rhemit implements transaction limits to ensure the security, integrity, and lawful operation of its Services in accordance with regulatory requirements, internal risk controls, and system capabilities. These limits are determined based on the User’s verification level, transaction history, risk assessment, and compliance with the standards prescribed by the Bangko Sentral ng Pilipinas (BSP) and other applicable laws. Transaction limits may vary among Users and may be adjusted at any time based on regulatory directives, operational considerations, or the Company’s assessment of potential risks.

    The following categories of limits may apply to the User’s Account:

    • Daily and monthly remittance limits, which govern the maximum amount a User may send within specified periods.
    • Wallet balance limits, which control the maximum allowable amount that may be stored in the User’s Rhemit account at any given time.
    • Deposit and withdrawal limits, which restrict the size and frequency of cash-in and cash-out transactions through approved channels.
    • Currency exchange limits, which regulate the volume of currency conversions a User may perform, subject to foreign exchange rules and risk controls.

    Rhemit reserves the right, at its sole discretion, to modify, reduce, suspend, or reinstate transaction limits at any time and without prior notice, particularly when required by regulatory mandates, fraud prevention measures, system issues, or ongoing reviews of User activity. Users acknowledge that exceeding these limits may result in declined transactions or temporary account restrictions.

  7. REMITTANCE TO THIRD-PARTY RECEIVERS

    Rhemit enables Users to send funds to individuals who may not be registered Rhemit Users, through authorized partners, payout centers, banks, e-wallets, or other accredited channels. This feature allows Senders to transfer money to beneficiaries who will claim the funds externally, subject to compliance with partner requirements, applicable laws, and operational guidelines. By using this service, the Sender acknowledges and accepts that Rhemit relies on third-party partners for processing, releasing, and verifying payouts, and that the accuracy of the information provided by the Sender is critical to the successful completion of the transaction.

    1. Sender Responsibilities

      The Sender acknowledges and agrees that they bear full and exclusive responsibility for the accuracy, lawfulness, and legitimacy of each remittance transaction initiated through the Rhemit platform. Without limiting the generality of the foregoing, the Sender expressly undertakes to:

      1. Provide Accurate Information
      Ensure that all information provided for each transaction—including the Receiver’s full name, address, contact details, identification information, and any data required by Rhemit or its payout partners—is complete, accurate, truthful, and up to date.

      2. Ensure Lawful and Legitimate Use
      Confirm that the transaction is lawful, does not violate any applicable Philippine or foreign laws, and is not related to fraud, money laundering, terrorist financing, or any prohibited or suspicious activities under the AMLA and its implementing rules.

      3. Verify Payout Options and Requirements
      Review and understand the availability, requirements, processing times, fees, foreign exchange rates, claim procedures, identification requirements, and restrictions applicable to the selected payout method and payout partner prior to confirming the transaction.

      4. Cooperate in Compliance/KYC Processes
      Timely provide any additional information or documents that may be required by Rhemit, its partners, or regulators for KYC, transaction verification, or compliance review. Failure or refusal to comply may result in delays, holds, cancellations, or reporting of the transaction.

      5. Monitor Transaction Status
      Monitor the status of the transaction and respond promptly to any requests for verification or clarification from Rhemit or its partners.

      The Sender acknowledges that any error, inaccuracy, omission, or fraudulent information supplied by the Sender may result in delays, failed payouts, unclaimed funds, reversals, regulatory holds, or cancellation of the transaction. Rhemit shall not be liable for any loss, damage, cost, or inconvenience arising from such Sender-supplied errors or from the Sender’s failure to comply with the above obligations.

      The Sender further agrees to indemnify and hold Rhemit, its officers, directors, employees, and partners free and harmless from any liability, claim, penalty, loss, or expense arising out of or related to (a) incorrect or misleading information provided by the Sender, (b) unlawful or suspicious transactions, or (c) breach of any of the Sender’s responsibilities under this Agreement.

    2. Receiver Claims

      The Receiver acknowledges and agrees to strictly follow the instructions provided by Rhemit or its accredited payout partners to successfully claim the remitted funds. This includes, without limitation:

      • Presenting a valid government-issued identification document acceptable to the payout partner;
      • Providing the correct reference number, transaction code, or any other authentication details required; and
      • Supplying any additional information or documentation reasonably requested by the payout partner or Rhemit for verification, compliance, or regulatory purposes.

      Failure to comply with the above requirements may result in delayed, partially fulfilled, or unsuccessful payouts.

      Rhemit shall not be liable for, and the Sender and Receiver hereby release Rhemit from, any loss, damage, or inconvenience arising from the following circumstances beyond Rhemit’s reasonable control:

      • Non-claim or Delays

      Failure of the Receiver to claim the remittance within the designated period set by Rhemit or its payout partners. Receiver’s failure to present the required identification, reference number, or other documentation.

      • Incorrect or Incomplete Information

      Incorrect, incomplete, or inaccurate receiver information provided by the Sender, including errors in the recipient’s name, contact details, or payout instructions, which may result in delays, failed transactions, or inability to complete the remittance.

      • Third-Party Delays or Disruptions

      Operational issues, system downtime, technical failures, delays, or errors caused by payout partners, banks, financial intermediaries, payment processors, or other third-party service providers. Delays caused by regulatory, legal, or compliance investigations.

      • Fraud Prevention, Compliance, and Risk Management

      Any action taken by Rhemit, including holding, delaying, investigating, or canceling a remittance, to prevent fraud, verify compliance with anti-money laundering, counter-terrorist financing laws, or risk management policies, or comply with any applicable law or regulation.

      • Force Majeure

      Events outside Rhemit’s reasonable control, including natural disasters, strikes, wars, pandemics, system failures, or government actions.

      Rhemit does not guarantee the timing, availability, or receipt of funds once a transaction has been initiated, as final settlement is subject to payout partner procedures and external systems.

      The Sender and Receiver agree to indemnify, defend, and hold Rhemit, its affiliates, officers, employees, and partners harmless from any claims, liabilities, losses, or expenses arising from:

      (a) the Sender’s failure to provide accurate information;

      (b) the Receiver’s failure to comply with claim procedures; or

      (c) delays, reversals, or cancellations arising from fraud prevention, compliance reviews, or risk management actions.

      Any funds unclaimed after the payout partner’s retention period may be returned to the Sender or otherwise handled according to Rhemit’s policies and applicable laws and regulations.

  8. FEES AND CHARGES

    By using the Rhemit platform and services, you acknowledge and agree to pay all applicable fees, costs, and charges associated with each transaction, including but not limited to the following:

    • Transfer/Remittance Fees – Standard fees for processing each remittance transaction.
    • Partner or Payout Fees – Fees imposed by banks, payout partners, payment processors, or third-party service providers involved in crediting, releasing, or handling the funds.
    • Currency Exchange Margins – Foreign exchange (FX) rate spreads or margins applied to currency conversions. Exchange rates are subject to market conditions and may change without prior notice.
    • Withdrawal or Deposit Fees – Charges imposed for wallet withdrawals, account deposits, bank transfers, or other settlement methods.
    • Chargeback, Reversal, Return, or Administrative Fees – Fees applicable when a transaction is reversed, returned, disputed, cancelled, or subjected to administrative processing due to Sender error, insufficient information, regulatory issues, or chargeback initiated by banks or payment providers.
    • Third-Party Imposed Fees – Any taxes, regulatory assessments, correspondent bank charges, or fees charged by external institutions, networks, or service providers.

      • All applicable fees and charges will be disclosed through the Rhemit mobile application or website prior to the Sender confirming the transaction. By proceeding, the Sender confirms acceptance of such fees.

      Rhemit reserves the right to update, revise, or introduce new fees or charges at any time, subject to posting or disclosure through the app or website. Continued use of the service constitutes acceptance of such changes.

      Unless required by law or expressly stated by Rhemit, fees paid or charged in connection with a transaction are final and non-refundable, even if the Receiver fails to claim the funds or if the transaction is delayed or cancelled due to Sender error, incomplete information, compliance review, or force majeure events.When permitted or required, third-party or payout partner fees may be deducted from the remitted amount prior to release to the Receiver.

      The Sender shall remain fully liable for any chargebacks, reversals, disputes, or retrieval requests initiated by banks, issuers, or payment processors. Rhemit may recover such amounts, including related fees and administrative costs, by deducting them from the Sender’s account balance or future transactions.

  9. CURRENCY EXCHANGE TERMS
    • Variable Exchange Rates
      The actual exchange rate applied to a transaction is based on the prevailing real-time market rate plus Rhemit’s operational margin, service spread, or partner-imposed FX margin. Exchange rates displayed are indicative and may change without prior notice until the transaction is confirmed and processed.
    • FX Rate Fluctuations and Market Conditions
      Exchange rates are subject to global market conditions, liquidity factors, and third-party pricing. Rhemit shall not be liable for any loss, shortfall, or perceived disadvantage caused by exchange rate fluctuations, delays in processing, or any difference between indicative and executed rates.
    • No Refunds After FX Conversion
      Once a transaction involving currency conversion has been completed, FX conversions are final and non-reversible.
      Refunds, reversals, or chargebacks cannot be made based on:
      • dissatisfaction with the applied exchange rate,
      • subsequent changes in market rates,
      • the Receiver’s failure to claim funds, or
      • delays caused by third parties or compliance checks.
      • Additional Verification and Compliance
        Foreign exchange transactions may require additional documents, identity verification, or information as part of AML/CTF compliance or risk monitoring. Rhemit may delay, hold, suspend, or cancel any FX-related transaction pending completion of verification, and shall not be liable for delays or rate changes that occur during such review.
      • Third-Party and Partner FX Rules
        Payout partners, banks, or correspondent institutions may apply their own FX rules, margins, restrictions, or processing timelines. Rhemit is not responsible for any differences between its own indicative rates and those applied by third-party partners.
      • Rate Application
        The rate applicable to the transaction shall be the rate at the time the transaction is executed by Rhemit’s system or payout partner. Rhemit makes no guarantee that the rate shown at the time of review or initiation will be the final rate applied.
      • Disputes Related to FX
        The Sender acknowledges that FX pricing involves variable market components. Thus, Rhemit shall not accept disputes, claims, or chargebacks related to FX rates, margins, or timing of application, except as required by law.
  10. PROHIBITED ACTIVITIES

    Users are strictly prohibited from using, or attempting to use, Rhemit for any illegal, unauthorized, fraudulent, or improper purpose. This prohibition applies under all applicable laws, regulations, and standards, including—but not limited to—Philippine laws, foreign laws, international treaties or conventions, and globally recognized anti-money laundering, counter-terrorism financing, and financial integrity frameworks issued by competent authorities and international bodies.

    The User shall NOT use Rhemit for any of the following, including but not limited to similar or related activities, whether completed, attempted, facilitated, or aided:

    1. Money Laundering, Terrorism, Proliferation Financing

    • Money laundering, structuring, smurfing, layering, or disguising the origins of funds.
    • Financing terrorism or terrorist individuals, groups, or activities.
    • Proliferation financing involving weapons of mass destruction or related materials.

    2. Crimes Associated with Remittance, Money Transfers, and Financial Services

    • Fraud and Financial Crimes
      • Online fraud, investment fraud, merchant fraud, and account takeovers.
      • Synthetic identity fraud, forged/altered documents, deepfake-assisted identity fraud.
      • Social engineering scams (e.g., phishing, vishing, smishing, business email compromise).
      • Romance scams, job scams, charity scams, inheritance scams, and “advance fee” scams.
      • Money mule activities or acting as a conduit for illicit funds.
      • Credit card fraud, chargeback fraud, unauthorized payment disputes, or friendly fraud.
      • Using Rhemit to evade taxes, customs duties, or financial reporting obligations.
    • Criminal Enterprises (Local and Transnational)
      • Drug trafficking and narcotics-related financial flows.
      • Human trafficking, migrant smuggling, sexual exploitation, and modern slavery.
      • Arms trafficking, wildlife trafficking, smuggling, piracy, cybercrime, or extortion.
      • Kidnapping-for-ransom payments or proceeds from criminal extortion.

    Illegal or Restricted Commerce

    • Payments related to counterfeit goods, stolen items, illegal drugs, regulated chemicals, or illicit substances.
    • Transactions linked to cybercrime tools, hacking services, malware, ransomware, or botnets.
    • Purchase or settlement of debts arising from illegal gambling or underground betting operations.

    Unauthorized Financial Services

    • Operating or assisting in an unlicensed money service business, digital exchange, or virtual asset service provider.
    • Unlicensed financial intermediation, informal remittance systems
    • Cryptocurrency activities unless expressly permitted by law and authorized by Rhemit.
    • Use of Rhemit to circumvent foreign exchange controls, sanctions, or capital restrictions.

    Any Other Illegal, Harmful, or Suspicious Activity

    • Violates Philippine law, foreign law, international law, treaties, or sanctions regimes.
    • Causes Rhemit or its partners to violate regulatory obligations.
    • Appears unusual, inconsistent with the user’s profile, or raises suspicion under global AML/CTF standards.
    • Has no clear legitimate purpose or economic justification.
    • Is similar or related to any of the activities listed above
  11. SUSPENSION AND TERMINATION

    Rhemit reserves the right to suspend, restrict, or terminate any User account at its sole discretion for reasons including, but not limited to, violations of these Terms and Conditions, submission of false or misleading information, engagement in illegal, fraudulent, or suspicious activities, or non-compliance with applicable laws, regulations, or directives issued by the Bangko Sentral ng Pilipinas (BSP), the Anti-Money Laundering Act (AMLA), or other competent authorities. Additionally, account suspension or termination may be enforced upon request from authorized partner institutions or as required for compliance and risk management purposes. During any suspension or termination investigation, Rhemit may temporarily hold the User’s funds in the account until the matter is resolved. The decision to suspend or terminate an account is final and binding, and Rhemit may take all necessary measures to protect its services, Users, and partners from potential risk or abuse.

    The following circumstances may trigger suspension or termination:

    • Violation of these Terms and Conditions, including prohibited activities or misuse of the Services.
    • Provision of false, incomplete, or misleading information during registration, KYC verification, or transaction processing.
    • Engagement in illegal, fraudulent, or suspicious activities, including activities flagged under AMLA and BSP regulations.
    • Compliance with laws, regulatory requirements, or directives issued by BSP, AMLC, or other relevant authorities.
    • Requests by partner institutions that require the account to be restricted or terminated.

    Funds may be temporarily withheld during investigations, and Rhemit is not liable for delays or losses resulting from account suspension or termination due to legitimate compliance or security reasons.

  12. LIABILITY LIMITATIONS

    Rhemit shall not be held liable for any losses, damages, or inconveniences arising from circumstances beyond its reasonable control, including technical, operational, or external factors that may affect the processing of transactions. Users acknowledge that using Rhemit’s Services involves certain risks, and by transacting, they accept responsibility for ensuring the accuracy of information and compliance with applicable laws and regulations.

    Rhemit shall not be liable for the following:

    Delays or failures caused by banks, payout partners, financial intermediaries, or system outages, including downtime of electronic channels or infrastructure.

    • Losses resulting from User negligence or unauthorized access to their Account or Wallet, including sharing login credentials or failing to secure devices.
    • Incorrect receiver information provided by the Sender, which may result in unclaimed or misdirected transactions.
    • Force majeure events, including natural disasters, power outages, wars, or other events beyond Rhemit’s control.
    • Errors or omissions committed by partners or third-party service providers, which are outside Rhemit’s direct control.

    Rhemit’s total liability for any transaction or claim shall, in no event, exceed the value of the transaction in question. Users agree that this limitation of liability is reasonable and necessary to maintain the integrity, security, and operational sustainability of Rhemit’s Services.

  13. REFUNDS, REVERSALS, AND DISPUTES

    Rhemit is committed to providing secure and reliable remittance services. However, due to the nature of remittance transactions, completed remittances cannot be reversed once successfully processed and claimed by the Receiver. Refunds may only be initiated if a transaction has not yet been claimed, processed, or completed, and are subject to verification by Rhemit. Any reversal or refund request will require proper identity validation of the Sender and Receiver, as well as a thorough investigation by Rhemit to ensure compliance with legal, regulatory, and operational policies. Users must report any disputes or issues regarding transactions within fifteen (15) days from the date of the transaction. All refunds or reversals are subject to verification and may incur applicable fees, which will be communicated to the User prior to processing.

    The following procedures apply:

    • Completed remittances cannot be reversed once the transaction is fully processed and claimed.
    • Refunds may be processed only if the transaction has not been claimed or completed, subject to Rhemit’s verification.
    • Reversals require identity verification and investigation to prevent fraud and ensure compliance with applicable laws and AMLA requirements.
    • Disputes must be reported within fifteen (15) days from the transaction date to be considered for resolution.

    Rhemit reserves the right to approve, deny, or partially process any refund or reversal request based on investigation outcomes, compliance checks, and applicable fees.

  14. DATA PRIVACY AND CONFIDENTIALITY

    Rhemit is committed to protecting User information in accordance with the Philippine Data Privacy Act of 2012 (DPA), its Implementing Rules and Regulations (IRR), National Privacy Commission (NPC) issuances, Bangko Sentral ng Pilipinas (BSP) regulations, the Anti-Money Laundering Act (AMLA), and any other applicable laws, rules, and international standards on data protection, confidentiality, and financial integrity.

    This includes, where relevant, foreign data protection laws and global best practices governing the cross-border handling of financial and personal data.

    • Collection and Processing of Personal Data
      Rhemit may collect, use, store, process, analyze, and retain User information that is reasonably necessary to:
      • Create and maintain User accounts, including KYC and identity verification;
      • Process deposits, withdrawals, remittances, foreign exchange, and other financial transactions;
      • Perform ongoing customer due diligence, enhanced due diligence, sanctions screening, and risk scoring;
      • Detect, prevent, and investigate fraud, financial crimes, money laundering, terrorism financing, cybercrime, suspicious activities, and prohibited transactions;
      • Comply with legal obligations, supervisory requirements, and regulatory reporting to BSP, AMLC, NPC, and other competent authorities whether domestic or foreign;
      • Integrate with banks, payout partners, third-party providers, and financial networks for transaction execution, settlement, validation, or operational support;
      • Improve system functionality, enhance User experience, maintain Service reliability, and ensure platform security.
    • Data Sharing and Disclosure
      • Rhemit may share or disclose User data to the following, strictly on a need-to-know basis and only for legitimate purposes:
      • Licensed banks, payout centers, financial institutions, and operational partners necessary to complete or verify a transaction;
      • Third-party service providers performing regulated or operational functions (e.g., KYC/ID verification, payment processing, fraud monitoring, cloud services)
      • Government agencies, regulators, law enforcement, or foreign authorities when required by law, court order, administrative directive, treaty obligations, or AML/CTF cooperation frameworks;
      • External auditors, consultants, or advisers engaged to assist in compliance or operational reviews.
    • Cross-Border Data Processing
      • Users acknowledge that their data may be transferred to, stored in, or processed in data centers or jurisdictions outside the Philippines when necessary to provide Services, perform verification, or comply with international financial requirements. Rhemit ensures that such transfers occur under safeguards consistent with the DPA and internationally recognized data-protection standards.

      Rhemit does not sell, trade, lease, or disclose User personal information for marketing or unrelated commercial purposes.

    • Security Measures
      Rhemit implements reasonable and appropriate organizational, physical, and technical measures to protect personal and financial data, including:
      • Encryption, tokenization, and secure transmission protocols;
      • Access controls and role-based permissions;
      • Continuous monitoring, intrusion detection, and fraud prevention systems;
      • Vendor assessments, confidentiality obligations, and secure data-retention policies;
      • Routine audits and compliance reviews.

      While Rhemit takes all reasonable measures, Users acknowledge that no electronic platform can guarantee absolute security, and Rhemit is not liable for breaches caused by circumstances beyond its reasonable control.

    • Data Retention
      Rhemit retains User data only for as long as necessary to meet:
      • Legal and regulatory obligations (including AMLA retention periods);
      • Legitimate operational requirements;
      • Contractual obligations to Users;
      • Mandatory archiving or audit requirements.

      Data that is no longer needed shall be securely deleted, anonymized, or archived in accordance with applicable laws.

    • User Rights
      Subject to DPA limitations and lawful exceptions, Users may:
      • Access, correct, or update personal information;
      • Request deletion or restriction of processing (except where retention is mandated by law);
      • Withdraw consent for non-essential processing;
    • User Consent
      • By creating an account, using the platform, or submitting information, Users explicitly consent to:
      • The collection, storage, processing, transfer, and sharing of their data as described herein;
      • Cross-border processing or storage when required for lawful or operational purposes;
      • The use of their information for regulatory compliance, fraud prevention, and AML/CTF monitoring.
  15. COMMUNICATIONS
    By using Rhemit, you agree to receive:
    • SMS notifications
    • Email alerts
    • App messages
    • Policy updates
    You may opt out of marketing messages anytime.
  16. AMENDMENTS TO THESE TERMS
    Rhemit may update these Terms at any time. Continued use of the services after changes indicates your acceptance.
  17. GOVERNING LAW
    These Terms are governed by the laws of the Republic of the Philippines.
  18. CUSTOMER SUPPORT
    • Rhemit Support Team
    • Email:
    • Phone:
    • Address: