Terms & Conditions

 Selam Express– Terms & Conditions

Last Updated: November 17, 2025

1. Definitions

App: The Selam Express mobile or web application used to send and manage international money transfers.

Sender: A user who initiates a money transfer.

Recipient: A person who receives funds through the Service.

Payment Instrument : A valid payment method you link to the App (credit/debit card, bank account, etc.).

Transaction: A request you submit through the App to transfer money.

Service Fee – The fee charged by Selam Express for processing a Transaction.

Exchange Rate: The currency conversion rate applied at the time of the Transaction.

Payout Amount: The amount received by the Recipient after fees and exchange rates are applied.

Business Day: A day when Selam Express is open and able to process Transactions.

Prohibited Use: Any use that violates law, regulations, or Selam Express compliance policies (fraud, money laundering, illegal items, gambling, crypto, etc.).

2. Eligibility

To use Selam Express:

You must be 18 years or older,

Legally able to enter into a binding agreement,

Provide accurate and verifiable personal information,

Pass identity and security verification checks (KYC/AML).

3. Our Service

Selam Express  offers secure international money transfer services that allow Senders to initiate payments using supported Payment Instruments. Funds may be delivered through:

Direct bank deposit,or

Other payout options displayed in the App.

Service availability may vary depending on destination country, regulations, and partner institutions.

4. Your Responsibilities

When using Selam Express, you agree to:

  • Provide true and up-to-date information about yourself and the Recipient.
  • Use the Service only for lawful purposes.
  • Ensure the accuracy of transaction details before submitting a transfer.
  • Maintain the confidentiality of your login credentials.
  • Not attempt to bypass security, limits, or compliance rules.
  • Immediately notify Selam Express if you suspect unauthorized use.
  • Not use the Services to violate AML, sanctions, anti-fraud, or counter-terrorist financing laws.
  • Not use the Service to circumvent OFAC sanctions or conduct transactions on behalf of any sanctioned persons or entities, in accordance with 31 CFR Chapter V.

5. Fees and Exchange Rates

All fees will be displayed before you confirm a Transaction.

Exchange rates may vary based on market conditions and will be shown at checkout.

Once submitted, the Service Fee is non-refundable, except where required by law.

6. Processing & Delivery of Funds

We will process Transactions as quickly as possible; however, delays may occur due to:

  • Banking hours
  • Compliance checks
  • Incorrect information provided
  • Technical issues
  • Delays from payout partners

Selam Express is not liable for delays caused by third-party institutions or circumstances outside our control.

7. Verification & Compliance Requirements

To comply with global Anti-Money Laundering (AML) and Know Your Customer (KYC) laws:

  • We may ask you for identification documents.
  • We may pause or cancel any Transaction that appears suspicious.
  • We may report certain activities to regulatory authorities as required by law.

8. Card Payments

If you choose to pay using a card:

You authorize SelamExpress to debit your card for the Transaction Amount plus the Service Fee.

The Transaction may appear under Selam Express   on your card statement.

Funds will be released to the Recipient once card authorization is completed successfully.

9. Cancellations, Reversals & Refunds

A Transaction cannot be canceled once it has been paid out to the Recipient.

Transactions that have not yet been processed may be eligible for cancellation, depending on payout partner rules.

Successful transfers are non-refundable.

Chargebacks are only permitted for unauthorized card usage, consistent with your card issuer’s policies.

Refund timelines vary depending on your payment provider and applicable law.

10. Amendments to Terms

We may update these Terms at any time. Continued use of the Service means you accept the revised Terms.