Terms & Conditions

Introduction

Ebixcash World Money Limited is a limited company primarily engaged in providing foreign exchange, outward remittances, prepaid payment solutions, and related services (collectively referred to as "Services") through its network of branches, authorised agents, service providers, associates, and assigns ("Locations") across India.

Ebixcash offers these Services via its website www.ebixcashworldmoney.com and its mobile applications (collectively referred to as the "Website"). Use of the Website is conditional upon acceptance of these Terms and Conditions, disclaimers, and Privacy Policy by the user.

The Services provided through the Website are governed by these Terms and Conditions and any additional terms specified on the relevant service or product pages. Matters not addressed herein shall be governed by applicable laws, regulations, and prevailing business practices. Use of the Website constitutes the User's consent to all disclaimers, privacy policies, and terms contained herein.

Representations, Warranties & Undertakings

• You confirm that you are at least 18 years of age and that this Agreement constitutes a valid and binding obligation enforceable against you.
• The Website and Services are not intended for use by persons under 18 years of age and must not be used or purchased by such persons.
• You agree to use the Website and Services only for purposes permitted by these Terms and applicable law.
• Ebixcash reserves the right to remove any content on the Website that violates these Terms.
• Ebixcash provides no warranties for its Services and shall not be liable for any claims arising from your use of the Services. You agree to indemnify and hold harmless Ebixcash, its affiliates, directors, officers, employees, agents, and representatives from any damages or losses arising from your actions.
• If you use the Services on behalf of a company or organisation, you represent that you are authorised to bind that entity to these Terms and agree to be bound on its behalf.

General Terms & Conditions

• Limitation of Liability and Indemnity: Ebixcash shall not be liable for any loss or damage arising from the use of the Website or Services, except where caused by fraud, gross negligence, or wilful misconduct by Ebixcash. This includes indirect, special, consequential losses, or loss of profit, even if foreseeable.
• The User shall indemnify Ebixcash and its affiliates against all losses, claims, damages, liabilities, and expenses arising from the User's use of the Services.
• The User is solely responsible for safeguarding their security credentials (User ID, OTP, etc.) and shall be liable for any loss resulting from unauthorised use of their account.
• Breach of Terms: Ebixcash may take appropriate action, including suspension or termination of access to the Website or Services, if these Terms are breached.
• Force Majeure: Ebixcash may suspend or terminate Services due to events beyond its reasonable control, including regulatory changes, authority orders, currency restrictions, service provider failures, technical malfunctions, or other unforeseen events.
• No Waiver: Failure or delay in exercising any right under these Terms shall not constitute a waiver of that right.
• Severability: If any provision is found invalid or unenforceable, the remaining provisions shall remain effective.
• Governing Law and Jurisdiction: These Terms are governed by the laws of the Republic of India. Any disputes shall be subject to the exclusive jurisdiction of courts in Mumbai.
• Amendments: Ebixcash reserves the right to amend these Terms at any time. Continued use of the Services constitutes acceptance of such changes.
• Complaints: Users dissatisfied with the Services may contact customer care at customercareforex@ebixcash.com. Complaints will be addressed promptly and fairly.
• Intellectual Property: The Website and its content are the exclusive property of Ebixcash and protected by applicable intellectual property laws.
• DND Policy: Users may opt out of promotional communications by emailing customercareforex@ebixcash.com with their registered mobile number.

Definitions

Registration & Access to Website

Users must maintain confidentiality of their login credentials and are responsible for all activities under their account. Any unauthorised use must be reported immediately. Ebixcash reserves the right to monitor, review, and remove content on the Website and to terminate User access without notice. Users consent to the Privacy Policy and disclaimers by using the Website.

Services

Ebixcash offers Services through its Locations and Website with appropriate regulatory authorisations. Service details and terms are provided on relevant pages or communicated through official channels. Customers may contact customer care for service information.

Foreign Exchange

Ebixcash provides competitive foreign currency rates, online booking, and multicurrency travel cards loadable with multiple currencies. All foreign exchange services comply with applicable laws and regulations.

Online Payment Terms

• Customer Requirements: Users must be at least 18 years old, not suspended by any authority, and have the right to enter into this agreement. Impersonation or misrepresentation is prohibited.
• Payment Terms: Payments are generally required in advance and quoted in Indian Rupees. Ebixcash is not liable for payments delayed or misdirected due to incorrect details provided by the User. Refunds, if applicable, will be made only to the original payment method. Users are responsible for applicable taxes.
• Ebixcash may impose transaction limits and does not guarantee uninterrupted Website functionality.

International Remittance

A practical guide to sending money overseas from India

EbixCash Remittance helps customers navigate eligible outward remittance transactions through the channels and services made available by the Company. Before proceeding, customers can review the transaction information communicated for their remittance, including the exchange rate, amount payable, applicable charges and any estimated delivery information.

Every remittance is subject to the purpose of payment, applicable foreign-exchange regulations, customer verification and the documents required for the specific transaction.

Your remittance, step by step:

• 1. Share the transfer requirement: Select the available currency and enter the amount you intend to remit. Confirm that the destination and purpose are supported.
• 2. Provide sender and beneficiary details: Enter the required customer information and the beneficiary's details exactly as they appear in the supporting records and bank instructions.
• 3. Review the transaction quote: Check the applicable exchange rate, amount payable, charges and any delivery estimate shown or communicated for the transaction. Confirm any quote-validity conditions.
• 4. Complete checks and documentation: Submit the KYC, PAN, source-of-funds, declaration and purpose-related documents requested for your remittance.
• 5. Make payment and confirm: Use a permitted payment method and review the final details before authorising the transaction. Processing is subject to verification and applicable requirements.

Services and transaction routes: The remittance options available to a customer depend on the service, destination, currency and transaction route. Please confirm availability through the relevant EbixCash channel before starting a transfer.

• Online initiation: Where online initiation is offered, customers can enter transaction details, provide the requested information, review the quote and follow the payment and verification instructions displayed on that channel.
• Branch or service-channel assistance: Assistance may be available through the EbixCash branch or service channel applicable to the remittance. Availability can vary by location and service.
• Overseas bank-account payments: Where supported, funds may be sent to an eligible beneficiary bank account overseas. Accurate beneficiary name, account and bank-routing details are important to help avoid delays, rejection or return of funds.
• Currency and destination availability: The currencies and destinations supported for a transfer may vary. Confirm the available currency, destination, applicable limits and transaction conditions before proceeding.

Rates, charges and the amount payable: The amount payable is based on the exchange rate and charges applicable to the transaction. Review the full quote or transaction summary before confirming.

• Check the exchange rate and the total amount payable.
• Review any applicable fees, taxes and other disclosed transaction costs.
• Confirm how overseas intermediary or beneficiary-bank charges will be handled, where applicable.
• Do not assume a quoted rate is fixed for a particular period unless the quote or applicable terms expressly confirm its validity.
• A rate-lock facility, quote-validity period or advance-payment arrangement should be relied upon only where it is specifically offered and confirmed for the transaction.

How long can a transfer take? Delivery time depends on factors such as the destination, currency, receiving bank, payment method, intermediary-bank arrangements, business days and any additional verification. Any timeline provided for a transaction should be treated according to the terms communicated with that estimate. If the payment is time-sensitive, initiate it well in advance — bank holidays, incomplete beneficiary information or requests for additional documents may affect processing.

Documents you may need: Requirements vary according to the remittance purpose, customer profile, amount and applicable regulations. EbixCash will indicate the documents needed for the particular transaction. Depending on the case, these may include:

• Identity and address proof and PAN details.
• Bank statement, payment evidence or other source-of-funds documents.
• Form A2 or other applicable declarations and forms.
• Purpose-specific supporting documents, such as invoices or other evidence relevant to the remittance.
• Beneficiary name, address, bank-account information and destination-specific details.
• Relationship evidence or additional information, where relevant to the purpose of payment.

Submit accurate, complete and genuine documents. Additional information may be requested during verification. Do not rely on this general list as a substitute for the transaction-specific document checklist.

Regulatory and verification requirements: Outward remittances are processed subject to the authorisations applicable to the service, relevant RBI directions, FEMA provisions and other requirements that apply to the transaction. The permitted purpose, eligibility, limits, declarations and supporting documents may differ by transaction type. A transaction may be held for clarification or further verification if information is incomplete, inconsistent or requires review. Customers should provide requested information promptly and retain the transaction reference and supporting records.

Before you confirm — a quick checklist:

• The remittance purpose and destination are eligible for the service.
• The beneficiary name and bank details have been checked carefully.
• The currency, exchange rate and total amount payable are understood.
• Applicable charges and any overseas bank charges have been reviewed.
• The required declarations and supporting documents are complete.
• The estimated delivery information and any quote-validity conditions have been checked.

Need help? For current service availability, transaction-specific documentation, charges or processing queries, contact EbixCash through the official support or service channel provided for your remittance.

Important note: This guide provides general customer information only. It does not guarantee that a particular currency, destination, transfer route, rate, fee or delivery timeline will be available. The terms communicated for the specific transaction and applicable regulatory requirements will govern.