These Terms provide that all disputes between you and Flywire will be resolved by BINDING ARBITRATION. YOU AGREE TO GIVE UP YOUR RIGHT TO GO TO COURT to assert or defend your rights, except for matters that may be taken to small claims court. Your rights will be determined by a NEUTRAL ARBITRATOR and NOT a judge or jury, and your claims cannot be brought as a class action. Please review Section 19 ("Dispute Resolution and Arbitration") for the details regarding your agreement to arbitrate any disputes with Flywire.
Flywire helps people live globally and pay locally. We enable businesses, educational institutions, healthcare facilities, and other related billers to collect payments towards fees owed to them by individuals and companies located around the world.
Flywire allows users of the Platform to pay bills they receive from businesses, from educational institutions, and from hospitals and associated healthcare facilities, for which we serve as payment agents (each payment recipient, a "Designated Entity"). We may work with local banks, locally licensed payment entities, foreign exchange providers, credit card processors, credit card schemes (such as Visa and MasterCard), and other third-party service providers (each, a "Service Provider") to receive and/or settle payments to a Designated Entity’s bank account.
If you are in the United States and making payment plan or eStore payments to a Designated Entity in the United States, your payment will go directly to your Designated Entity (regardless of payment method)(collectively, “Direct to Designated Entity Payments”). With respect to all Direct to Designated Entity Payments, Flywire does not serve as agent of the Designated Entity. However, if Flywire charges you a fee in connection with such Direct to Designated Entity Payments, those fees may be paid directly to Flywire.
You must be at least 18 years of age to use the Platform. By agreeing to these Terms, or by providing a notification to a Designated Entity that payment will be directed to the Designated Entity by Flywire (each, a "Transaction"), you represent and warrant to us that: (a) you are at least 18 years of age; (b) you have not previously been suspended or removed as a user of the Platform; and (c) your registration and your use of the Platform complies with all applicable laws and regulations. If you are using the Platform on behalf of an entity, organization, company, or other payers, you represent and warrant that you have the authority to bind such parties to these Terms, and you agree to be bound by these Terms on behalf of such parties. Flywire’s Platform may not be available in whole or in part in all jurisdictions. We will inform you in the process of signing up or attempting to enter a Transaction whether we can serve your jurisdiction.
To access certain Platform features, you may be required to register for a user account. When you register for a user account, you may be required to provide us with some information about yourself, such as your email address or other contact information. You agree to provide us only with accurate information, and you agree to keep such information accurate and up-to-date at all times. If you register, you will be asked to provide a password. You are solely responsible for maintaining the confidentiality of your user account and password, and you accept responsibility for all activities that occur under your access credentials. You agree to keep your access credentials confidential and secure. If you have reason to believe that your user account has been compromised, then you must immediately notify us at [email protected].
Entering into a Transaction, or using other features of our Platform, may require you to pay fees and/or may result in compensation for Flywire for currency conversion or other services Flywire provides. The total Transaction amount displayed will be inclusive of any fees (including foreign exchange fees charged by us and our Service Providers) applicable to the Transaction. However, the total Transaction amount displayed will not include any fees that may apply to any refund Transactions. By continuing with the Transaction, you agree to pay the total Transaction amount requested by Flywire. We have no control over, and are not responsible for, any fees or charges for the Transaction that a financial institution (such as your bank) or other payment provider, including Service Providers, may impose. We are not responsible for any charges for insufficient funds, chargeback fees, international wire fees, or other, similar charges that any other party might impose on you. We are not responsible for any taxes, duties, levies, withholdings or other liabilities that may be imposed on your Transaction (collectively, "Taxes"), and we are not responsible for any penalty, fine, surcharge, interest, charges or costs relating to such Taxes.
You acknowledge that:
You agree to pay the amount you indicated when you booked the Transaction. If additional charges apply to the processing of the Transaction, we will notify you. Payment is due to the Designated Entity through Flywire at the time you submit your Transaction through Flywire. If, as a result of your Transaction, we are charged insufficient funds fees, chargeback or reversal fees, or other similar fees, you agree to reimburse us for all such fees. In some instances, for Transactions funded from the sender’s bank account, you agree that we or our Service Provider may charge your bank account for less than the amount of the transfer as part of our effort to confirm ownership of the account.
A Transaction can only be processed to a Designated Entity if a booking is created through the site, through the website of a Service Provider, or through another arrangement that the Designated Entity has established with Flywire. In the event that a booking is not created, Flywire will be unable to process a Transaction until a booking has been created. Additionally, we will not be responsible for any delays in processing or additional charges that may occur, such as, but not limited to, when we receive a payment with no booking or due to movements of the currency market, which may, or may not, result in a payment losing value.
In order for us to process a payment to your Designated Entity in a timely manner, you must diligently follow instructions. These instructions: (i) are contained in your invoice from your Designated Entity and/or (ii) are sent to the email address you provided on the Platform or on the website of a Service Provider to which you were referred by Flywire. You must either take the instructions to your financial institution or, if available, process the wire transfer or direct debit via your financial institution’s online portal. Our Service Providers may make available additional options for you to initiate a wire transfer/direct debit through their services. We do not have access to your bank account. If your payment fails or if you have insufficient funds, you must resubmit the payment. You agree that, when you book a Transaction to a Designated Entity through the Platform, if you will be initiating a payment from your bank account, your account must be denominated in the same currency as the Transaction booking information. PLEASE DO NOT MAKE A PAYMENT TO ANY ACCOUNT NUMBER OTHER THAN THE ACCOUNT NUMBER PROVIDED IN THE INSTRUCTIONS.
5.4.4. YOU REPRESENT AND WARRANT THAT YOU HAVE THE LEGAL RIGHT TO USE, OR ARE OWNER OF, AS APPLICABLE, ANY BANK ACCOUNT, CREDIT OR DEBIT CARD, OR OTHER PAYMENT METHOD USED TO INITIATE A PAYMENT THROUGH FLYWIRE.
When Flywire receives your funds on behalf of the Designated Entity, your obligation to pay the Designated Entity is discharged. You will receive a payment confirmation email. This will constitute proof of payment for your Transaction to the Designated Entity. Please note that the Designated Entity may take three or more business days to reflect payment in its student, patient, or customer account system.
The exchange rate applied to a particular Transaction is effective only for the period of time stated in the instruction, only for that Transaction, and only for the Designated Entity that you indicated you will pay. The payment amount received from the payer, excluding applicable fees and prior to any foreign exchange conversion for the Designated Entity (the "Amount Received"), will be the only amount processed by Flywire on the Designated Entity’s behalf. If you wish to make additional payments, a different exchange rate may apply.
Flywire may, in its sole discretion and at any time, cancel a booked Transaction due to material changes in exchange rate fluctuations or due to other circumstances beyond our control. In such instances, you will be notified of the cancellation and have the option to rebook a Transaction with us at a newly quoted exchange rate. If delivery of the funds you have paid has been initiated, you will receive a refund of the amount sent to us. The refund will be delivered to your originating payment account as soon as is practicable.
Although we make reasonable efforts to ensure that Transactions are processed in a timely manner, we make no representations or warranties regarding: (i) the time needed to complete processing of a Transaction or (ii) whether we will be able to complete processing of a Transaction. Our ability to complete processing of Transactions depends on many factors outside our control. Your payment may be delayed or cancelled, among other reasons:
The Platform may not be available to all users at all times. We may, in our sole discretion, refuse Transactions that are:
Nevertheless, you may be entitled to a refund in certain circumstances, at our discretion, as described in these Terms.
We are not responsible for refunding payment Transactions made through Flywire to a Designated Entity. The Designated Entity to which you have made a payment will determine your eligibility for a refund. You, therefore, should contact the Designated Entity directly for further details on obtaining a refund. Subject to limited exceptions, Flywire will return all refunds that it processes to the originating account in the originating currency. Flywire has sole discretion to determine the applicable foreign exchange rate and other fees applicable to your refund. The amount you receive back may be less the amount you paid in the original Transaction. Subject to applicable regulations and policies of our banking and payment partners, we may not be able to refund to you an amount that exceeds the amount paid in the original currency. We may charge additional fees, including a 1% refund processing charge, that apply to the processing of your refund request.
You authorize us, directly or through third parties, to make any inquiries we consider necessary to validate the information you have provided to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your email address or financial instruments, verifying your information against third party databases or through other sources. We do not let you change the details of your payment once you have submitted such payment details to us. It is your responsibility to make sure your payment details are accurate before you submit them.
If a student requires a visa to study at certain Designated Entities in the Republic of Ireland, Flywire must confirm that the Irish Naturalisation and Immigration Service ("INIS") has approved the visa application before delivering the funds to the Designated Entity. To facilitate this process, Flywire will collect certain information from you or from the Designated Entity, such as the visa application number, at the time you submit your Transaction (if available) or after the Designated Entity informs Flywire that the INIS has made a decision on the visa application. If the INIS approves the visa, Flywire will deliver the funds to the Designated Entity. If the INIS rejects the visa application, then the refund process set forth above shall govern.
You further declare that you have the authority to provide the declarations and undertakings under this Section 5.12 of the Terms.
For your reference, please find below the definitions of certain terms used in the payment experience:
FXMark-up means the total currency conversion charges for your payment transaction expressed as a percentage mark-up over the latest available euro foreign exchange reference rates issued by the European Central Bank.
Flywire FXRate means the exchange rate used for your payment transaction.
Flywire makes certain functionality available to educational and medical agents, including, but not limited to, a dashboard that, among other functionality, permits agents, with respect to students, patients, or other payers on whose behalf the agents work, to: (i) create payment orders; (ii) view the status of payments; and (iii) make payments to Designated Entities that are clients of Flywire. If you are using Flywire as an agent, you represent and warrant that: (i) you are licensed or otherwise permitted under the law of applicable jurisdiction(s) to act on behalf of the parties on whose behalf you are acting; (ii) you are authorized to provide data and information to Flywire about the parties on whose behalf you work; (iii) if you are making a payment on behalf of another party, you are authorized to do so; and (iv) all data and information you provide to Flywire is accurate and complete. You acknowledge that you are responsible for ensuring that all amounts owed to Designated Entities by students and payers on whose behalf you work are paid to the Designated Entities. Agents may only use Flywire in accordance with these Terms.
The following terms apply specifically for payments made to your educational institution via WorldFirst:
The rate applied to each Transaction made from China will be quoted by the qualified banking institutions in China. By applying for or using Flywire service, you agree to accept such rate as the relevant banking institutions publish from time to time, regardless whether it represents the latest or the most favorable foreign exchange price or rate. You further agree and knowledge that any difference between the quoted rate and the rate implemented at the time of settlement or payment will not be borne or claimed by you.
Certain features of the Platform may permit users to upload content, including reviews, data, text, and other types of works ("User Content") and to publish User Content on the Platform. You retain copyright and any other proprietary rights that you may hold in the User Content that you post to the Platform.
By posting or publishing User Content, you grant Flywire a worldwide, non-exclusive, royalty-free, fully paid right and license (with the right to sublicense) to host, store, transfer, display, perform, reproduce, modify for the purpose of formatting for display, and distribute your User Content, in whole or in part, in any media formats and through any media channels now known or later developed.
Flywire grants you a limited, revocable, non-sublicensable license to access and use the Platform and all content, data, information, and materials included on the Platform (the "Flywire Website Materials") solely for your own personal use, or, if you are using the Platform on behalf of an entity, organization, company, or other payers, solely for the internal business use of such entity, organization, company, or group of payers. All such personal and internal business uses of these limited licenses are subject to these Terms. All other rights are reserved by Flywire. You agree that you will not modify, copy, distribute, resell, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another web page, or use the Platform or Flywire Website Materials except as explicitly authorized in these Terms. You agree that you will not use the Platform or any of the Flywire Website Materials other than for their intended purpose or in any way that is unlawful or harms us or our suppliers.
You are solely responsible for your User Content and the consequences of posting or publishing User Content. By posting or publishing User Content, you affirm, represent, and warrant that:
a. you are the creator and owner of the User Content, or have the necessary licenses, rights, consents, and permissions to authorize Flywire and users of the Platform to use and distribute your User Content as necessary to exercise the licenses granted by you in this section, in the manner contemplated by Flywire, the Platform, and these Terms; and
b. your User Content, and the use of your User Content as contemplated by these Terms, does not and will not: (i) infringe, violate, or misappropriate any third-party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right; (ii) slander, defame, libel, or invade the right of privacy, publicity or other property rights of any other person; or (iii) cause Flywire to violate any law or regulation.
We are under no obligation to edit or control User Content that you or other users post or publish, and we will not be in any way responsible or liable for User Content. Flywire may, however, at any time and without prior notice, screen, remove, edit, or block any User Content that in our sole judgment violates these Terms or is otherwise objectionable. You understand that, when using the Platform, you will be exposed to User Content from a variety of sources and acknowledge that User Content may be inaccurate, offensive, indecent, or objectionable. You agree to waive, and do waive, any legal or equitable right or remedy you have or may have against Flywire with respect to User Content. We expressly disclaim any and all liability in connection with User Content. If notified by a user or content owner that User Content allegedly does not conform to these Terms, we may investigate the allegation and determine in our sole discretion whether to remove the User Content, which we reserve the right to do at any time and without notice. For clarity, Flywire does not permit copyright-infringing activities in connection with anyone’s use of the Platform.
BY USING THE PLATFORM, YOU AGREE NOT TO, AND AGREE TO PROCURE YOUR THIRD PARTY SERVICE PROVIDERS (IF ANY), NOT TO:
7.1. use the Platform for any illegal purpose or in violation of any international, national, federal, state, provincial, or local law;
7.2. violate, or encourage others to violate, any right of a third party, including by infringing or misappropriating any third-party intellectual property right;
7.3. post, upload, or distribute any User Content or other content that is unlawful, defamatory, libelous, inaccurate, or that a reasonable person could deem to be objectionable, profane, indecent, pornographic, harassing, threatening, embarrassing, hateful, or otherwise inappropriate;
7.4. interfere with security-related features of the Platform, including by: (a) disabling or circumventing features that prevent or limit use or copying of any content; or (b) reverse engineering or otherwise attempting to discover the source code of any portion of the Platform, except to the extent that applicable law expressly permits the activity;
7.5. interfere with the operation of the Platform or any user’s enjoyment of the Platform, including by: (a) uploading or otherwise disseminating any virus, adware, spyware, worm, or other malicious code; (b) making any unsolicited offer or advertisement to another user of the Platform; (c) attempting to collect personal information about another user or third party without consent; or (d) interfering with or disrupting any network, equipment, or server connected to or used to provide the Services, or violating any regulation, policy, or procedure of any such network, equipment, or server;
7.6. use the Platform for any of the following activities: sexually oriented materials or services, gambling activities, fraud, money-laundering, the funding of terrorist organizations, or the purchase or sale of tobacco, firearms, prescription drugs, or other controlled substances;
7.7. use the Platform other than for the processing of payments to a Designated Entity;
7.8. use the Platform to submit a Transaction on behalf of any other person unless there is a legal reason to do so and provided there is a relationship between the parties;
7.9. register for more than one user account on the Platform, without our prior written permission;
7.10. provide false, inaccurate, or misleading information;
7.11. refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us;
7.12. use an anonymous proxy;
7.13. use any robot, spider, other automatic device, or manual process to monitor or copy our Platform without our prior written permission;
7.14. frame any elements of the Platform with any other website without our prior written permission;
7.15. perform any fraudulent activity including impersonating any person or entity, claiming a false affiliation, accessing any other Flywire user account without permission, or falsifying your age or date of birth;
7.16. sell or otherwise transfer the access granted under these Terms or any Materials (as defined in Section 12) or any right or ability to view, access, or use any Material;
7.17. refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us;
7.18. use the Platform in any manner not expressly authorized by Flywire, including, without limitation, aggregation of payments without the payer and payment details that Flywire, its Service Providers, and/or other financial institutions require and any behavior that suggests or implies a partnership, affiliation, joint venture, or other relationship with Flywire; or
7.19. attempt to do any of the acts described in this Section 7, or assist or permit any person in engaging in any of the acts described in this Section 7.
Flywire may provide tools through the Platform that enable you to export information, including User Content, to third-party services, including through features that allow you to link your user account on Flywire with an account on the third-party service, such as Twitter or Facebook, or through our implementation of third-party buttons (such as "like" or "share" buttons). By using one of these tools, you agree that we may transfer that information to the applicable third-party service. Third-party services are not under our control, and we are not responsible for any third-party service’s use of your exported information. The Platform may also contain links to third-party websites. Linked websites are not under our control, and we are not responsible for their content. We prohibit the use of any links to the Platform from any other websites unless we approve the establishment of the link in advance.
You may terminate your user account at any time by contacting payer support at [email protected]. If you terminate your user account, you remain obligated to pay all outstanding fees relating to your use of the Platform, if any, incurred prior to termination. If you violate any provision of these Terms, your permission to use the Platform will terminate automatically. In addition, Flywire may in its sole discretion terminate your user account on the Platform or suspend or terminate your access to the Platform at any time for any reason or no reason, with or without notice. We also reserve the right to modify, or discontinue operation of, the Platform at any time (including by limiting or discontinuing certain features of the Platform), temporarily or permanently, without notice to you. We will have no liability whatsoever on account of any change to the Platform or any suspension or termination of your access to or use of the Platform.
We require that you create a user account to access certain features of the Platform. When you create a user account, you agree that we may provide you with any Communications in electronic form. Our business model is designed to deliver Communications to you electronically. If you do not consent to your receipt of Communications electronically, you will not be permitted to access the Platform features that require you to have a user account.
Your use of the Platform is subject to all additional terms, policies, rules, or guidelines applicable to the Platform or certain features of the Platform that we may post on or link to from the Platform (the "Additional Terms"), such as end-user license agreements for any downloadable software applications or rules applicable to a particular feature or content on the Platform, subject to Section 12. All Additional Terms are incorporated by this reference into, and made a part of, these Terms.
We reserve the right, at our discretion, to change these Terms on a going-forward basis at any time. Please check these Terms periodically for changes. If a change to these Terms materially modifies your rights or obligations, you may be required to accept the modified Terms in order to continue to use the Platform. Modifications to these Terms will be effective upon publication. Disputes arising under these Terms will be resolved in accordance with the version of these Terms that was in effect at the time the dispute arose.
The Platform is owned and operated by Flywire. The visual interfaces, graphics, design, compilation, information, data, computer code (including source code and object code), products, software, services, and all other elements of the Platform ("Materials") provided by Flywire are protected by intellectual property and other laws. All Materials included on the Platform are the property of Flywire or our third-party licensors. Except as expressly authorized by Flywire, you may not use the Materials. Flywire reserves all rights to the Materials not granted expressly in these Terms.
The trademarks, logos and service marks appearing on the Platform, including, but not limited to, the trademark "Flywire", are the trademarks and service marks of Flywire. Other company, product, and service names and logos used and displayed on the Platform may be trademarks or service marks of their respective owners who may or may not endorse or be affiliated with or connected to us. Nothing on the Platform should be construed as granting, by implication or otherwise, any license or right to use any of trademarks and service marks displayed on the Platform, without our prior written permission in each instance.
If you choose to provide input and suggestions regarding problems with or proposed modifications or improvements to the Platform ("Feedback"), then you hereby grant Flywire an unrestricted, perpetual, irrevocable, non-exclusive, fully-paid, royalty-free right to exploit the Feedback in any manner and for any purpose, including to improve the Platform and create other products and services.
You are responsible for your use of the Platform, and you will defend and indemnify Flywire and its service providers (and the respective officers, directors, employees, consultants, affiliates, subsidiaries, and agents of Flywire and its service providers) (together, the "Flywire Entities") from and against every claim, liability, damage, loss, and expense, including reasonable attorneys’ fees and costs, arising out of or in any way connected with: (a) your access to, use of, or alleged use of, the Platform; (b) your violation of any portion of these Terms, any representation, warranty, or agreement referenced in these Terms, or any applicable law or regulation; (c) your violation of any third-party right, including any intellectual property right or publicity, confidentiality, other property, or privacy right; or (d) any dispute or issue between you and any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you (without limiting your indemnification obligations with respect to that matter), and in that case, you agree to cooperate with our defense of that claim.
THE PLATFORM AND ALL MATERIALS AND CONTENT AVAILABLE THROUGH THE PLATFORM ARE PROVIDED "AS IS" AND ON AN "AS AVAILABLE" BASIS, WITHOUT WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED. THE FLYWIRE ENTITIES DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO THE PLATFORM AND ALL MATERIALS AND CONTENT AVAILABLE THROUGH THE PLATFORM, INCLUDING: (A) ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, OR NON-INFRINGEMENT; AND (B) ANY WARRANTY ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE. THE FLYWIRE ENTITIES DO NOT WARRANT THAT THE PLATFORM OR ANY PORTION OF THE PLATFORM, OR ANY MATERIALS OR CONTENT OFFERED THROUGH THE PLATFORM, WILL BE UNINTERRUPTED (INCLUDING BUT NOT LIMITED TO INTERRUPTIONS THAT MAY AFFECT THE RECEIPT, PROCESSING, ACCEPTANCE OR SETTLEMENT OF PAYMENT TRANSACTIONS), SECURE, OR FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS, AND THE FLYWIRE ENTITIES DO NOT WARRANT THAT ANY OF THOSE ISSUES WILL BE CORRECTED. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE PLATFORM OR ANY MATERIALS OR CONTENT AVAILABLE THROUGH THE PLATFORM WILL CREATE ANY WARRANTY REGARDING ANY OF THE FLYWIRE ENTITIES OR THE PLATFORM THAT IS NOT EXPRESSLY STATED IN THESE TERMS. YOU ASSUME ALL RISK FOR ANY DAMAGE THAT MAY RESULT FROM YOUR USE OF OR ACCESS TO THE PLATFORM, YOUR DEALING WITH ANY OTHER USER, AND ANY MATERIALS OR CONTENT AVAILABLE THROUGH THE PLATFORM. YOU UNDERSTAND AND AGREE THAT YOU USE THE PLATFORM, AND USE, ACCESS, DOWNLOAD, OR OTHERWISE OBTAIN MATERIALS OR CONTENT THROUGH THE PLATFORM AND ANY ASSOCIATED SITES OR PLATFORM, AT YOUR OWN DISCRETION AND RISK, AND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM OR MOBILE DEVICE USED IN CONNECTION WITH THE PLATFORM), OR THE LOSS OF DATA THAT RESULTS FROM THE USE OF THE PLATFORM OR THE DOWNLOAD OR USE OF THAT MATERIAL OR CONTENT. SOME JURISDICTIONS MAY PROHIBIT A DISCLAIMER OF WARRANTIES AND YOU MAY HAVE OTHER RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.
IN NO EVENT WILL THE FLYWIRE ENTITIES BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, OR ANY OTHER INTANGIBLE LOSS) ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, THE PLATFORM OR ANY MATERIALS OR CONTENT ON THE PLATFORM, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT ANY FLYWIRE ENTITY HAS BEEN INFORMED OF THE POSSIBILITY OF DAMAGE. EXCEPT AS PROVIDED IN SECTION 19.4, THE AGGREGATE LIABILITY OF THE FLYWIRE ENTITIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF OR ANY INABILITY TO USE ANY PORTION OF THE PLATFORM OR OTHERWISE UNDER THESE TERMS, WHETHER IN CONTRACT, TORT, OR OTHERWISE, IS LIMITED TO THE GREATER OF: (A) THE AMOUNT YOU HAVE PAID TO FLYWIRE FOR ACCESS TO AND USE OF THE PLATFORM IN THE 12 MONTHS PRIOR TO THE EVENT(S) OR CIRCUMSTANCES GIVING RISE TO CLAIM; OR (B) $100. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES. ACCORDINGLY, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. EACH PROVISION OF THESE TERMS THAT PROVIDES FOR A LIMITATION OF LIABILITY, DISCLAIMER OF WARRANTIES, OR EXCLUSION OF DAMAGES IS INTENDED TO AND DOES ALLOCATE THE RISKS BETWEEN THE PARTIES UNDER THESE TERMS. THIS ALLOCATION IS AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN THE PARTIES. EACH OF THESE PROVISIONS IS SEVERABLE AND INDEPENDENT OF ALL OTHER PROVISIONS OF THESE TERMS. THE LIMITATIONS IN THIS SECTION 16 WILL APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
These Terms are governed by the laws of the Commonwealth of Massachusetts without regard to conflict of law principles. If a lawsuit or court proceeding is permitted under these Terms, then you and Flywire agree to submit to the personal and exclusive jurisdiction of the state courts and federal courts located within Suffolk County, Massachusetts, U.S.A. for the purpose of litigating any dispute. Notwithstanding the foregoing, when payers in Canada and Singapore use the Platform in connection with making credit or debit card payments, their use of the Platform will be governed by the laws of Canada and Singapore, respectively. We operate the Platform from our offices in Massachusetts, and we make no representation that Materials included in the Platform are appropriate or available for use in other locations.
In the interest of resolving disputes between you and Flywire in the most expedient and cost-effective manner, you and Flywire agree that every dispute arising in connection with these Terms will be resolved by binding arbitration. Arbitration is less formal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. This agreement to arbitrate disputes includes all claims arising out of or relating to any aspect of these Terms, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the termination of these Terms. YOU UNDERSTAND AND AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND FLYWIRE ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.
Despite the provisions of Section 19.1, nothing in these Terms will be deemed to waive, preclude, or otherwise limit the right of either party to: (a) bring an individual action in small claims court; (b) pursue an enforcement action through the applicable national, federal, state, provincial, or local agency if that action is available; (c) seek injunctive relief in a court of law; or (d) to file suit in a court of law to address an intellectual property infringement claim.
Any arbitration between you and Flywire will be settled under the Federal Arbitration Act, and governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, "AAA Rules") of the American Arbitration Association ("AAA"), as modified by these Terms, and will be administered by the AAA. The AAA Rules and filing forms are available online at www.adr.org, by calling the AAA at 1-800-778-7879, or by contacting Flywire.
A party who intends to seek arbitration must first send a written notice of the dispute to the other party by certified U.S. Mail or by Federal Express (signature required) or other similar courier service or, only if such other party has not provided a current physical address, then by electronic mail ("Notice"). Flywire’s address for Notice is: Flywire, Attn: Legal Department/Terms, 141 Tremont Street, 10th Floor, Boston, Massachusetts 02111 U.S.A. The Notice must: (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought ("Demand"). The parties will make good faith efforts to resolve the claim directly, but if the parties do not reach an agreement to do so within 30 days after the Notice is received, you or Flywire may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by you or Flywire must not be disclosed to the arbitrator until after the arbitrator makes a final decision and award, if any. If the dispute is finally resolved through arbitration in your favor, Flywire will pay you the highest of the following: (i) the amount awarded by the arbitrator, if any; (ii) the last written settlement amount offered by Flywire in settlement of the dispute prior to the arbitrator’s award; or (iii) $1,000.
If you commence arbitration in accordance with these Terms, Flywire will reimburse you for your payment of the filing fee, unless your claim is for more than $10,000, in which case the payment of any fees will be decided by the AAA Rules. Any arbitration hearing will take place at a location to be agreed upon in Suffolk County, Massachusetts, but if the claim is for $10,000 or less, you may choose whether the arbitration will be conducted: (a) solely on the basis of documents submitted to the arbitrator; (b) through a non-appearance based telephone hearing; or (c) by an in-person hearing as established by the AAA Rules in the county (or parish) of your billing address or as determined by the AAA if your billing address is outside the United States. If the arbitrator finds that either the substance of your claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all fees will be governed by the AAA Rules. In that case, you agree to reimburse Flywire for all monies previously disbursed by it that are otherwise your obligation to pay under the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator must issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees or expenses at any time during the proceeding and upon request from either party made within 14 days of the arbitrator’s ruling on the merits.
YOU AND FLYWIRE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and Flywire agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding.
If Flywire makes any future change to this arbitration provision, other than a change to Flywire’s address for Notice, you may reject the change by sending us written notice within 30 days of the change to Flywire’s address for Notice, in which case your user account with Flywire will be immediately terminated and this arbitration provision, as in effect immediately prior to the changes you rejected will survive.
If Section 19.6 is found to be unenforceable or if the entirety of this Section 19 is found to be unenforceable, then the entirety of this Section 19 will be null and void and, in that case, the parties agree that the exclusive jurisdiction and venue described in Section 17 will govern any action arising out of or related to these Terms.
Flywire is a member of the Australian Financial Complaints Authority (“AFCA”). AFCA is the dispute resolution scheme for financial services in Australia.
If you are a payor in Australia and an issue has not been resolved to your satisfaction, you can lodge a complaint with AFCA. AFCA provides fair and independent financial services complaint resolution that is free to consumers.
Email: [email protected]
Telephone: 1800 931 678 (free call)
In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
We will not be liable for any failure or delay in performance to the extent that performance, in part or in whole, is rendered impossible by a Force Majeure Event. A Force Majeure Event includes any acts of God, natural disasters, terrorism, armed hostilities, sabotage, war or any escalation or worsening of acts of war, epidemic, pandemic or disease outbreak (including the SARS-CoV-2 virus), strike, fire, flood, governmental acts or orders or restrictions, failure of suppliers, failure of the Internet, or any other reason where failure to perform is beyond the reasonable control of the non-performing party.
The Platform is operated by Flywire. You may contact us by sending correspondence to our headquarters, located at 141 Tremont Street, 10th Floor, Boston, Massachusetts 02111 U.S.A., or by emailing us at [email protected].
Effective Date: April 12, 2021