Terms of Use

Effective date:

Welcome, and thank you for your interest in Flywire Payments Corporation, Flywire Healthcare Corporation, Flywire Payments Limited, Flywire Canada, Inc., Flywire G.K., and Flywire (Singapore) Pte. Ltd., along with their affiliates, operating the Flywire services (collectively, "Flywire" , "we" or "us" ) and our website at www.flywire.com, along with our related websites, networks, applications, and other services provided by us (collectively, our "Services" ). These Terms of Use govern your use of the Services.

PLEASE READ THE FOLLOWING TERMS CAREFULLY. BY CHECKING THE BOX, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THE FOLLOWING TERMS AND CONDITIONS, INCLUDING THE FLYWIRE PRIVACY POLICY (TOGETHER, THESE "TERMS" ). If you are not eligible, or do not agree to the Terms, then you do not have our permission to use the Services.

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 under this contract, 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.

 

1. Overview of Flywire Services.

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, from individuals and companies located in over 200 countries and territories making payment in their home currency.

2. Use of the Services.

Flywire allows users to pay bills they receive from businesses, from secondary schools, colleges, and universities, 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, 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. In certain jurisdictions and for certain funds collections, your payment will go directly into the Designated Entity’s bank account and will not go through a Flywire bank account.

3. Eligibility.

You must be at least 18 years of age to use the Services. 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 from Flywire Services; and (c) your registration and your use of the Services complies with all applicable laws and regulations. If you are using Flywire services on behalf of an entity, organization, company, or other payers, you represent and warrant that you have the authority to bind such individuals or entities to these Terms and you agree to be bound by these Terms on behalf of such parties. Flywire’s Services 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.

4. User Accounts and Registration.

To access features of our Services, 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 accuratet 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].

5. Payment.

5.1. Payments Generally.

Entering into a Transaction, or using other features of our Services, 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) applicable to the Transaction. 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 may be imposed by a financial institution (such as your bank) or other payment provider, including Service Providers, associated with your Transaction. We are not responsible for any insufficient funds charges, chargeback fees, international wire fees, or other, similar charges that might be imposed on you by your bank or other provider or a Service Provider. 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.

5.2. Flywire’s Role.

You acknowledge that:

  • the payments you make to a Designated Entity are transactions between you and the Designated Entity and satisfy all or part of your payment obligation to the Designated Entity. 
  • Flywire is a third-party service provider facilitating payment processing.  Except when facilitating payment plan payments to Designated Entities in the United States, Flywire acts as agent and on behalf of the Designated Entity.   
  • The Designated Entity, not Flywire, determines the amount you owe the Designated Entity.  
  • Similarly, Flywire does not determine the payment terms governing your obligation to pay the Designated Entity.  These payment terms, including, but not limited to, the number of installment payments in any payment plan the Designated Entity offers to you, are agreements between you and the Designated Entity.  Flywire is not a party to such agreements and has no role in setting the terms of such agreements.  
  • Flywire is not your financial institution or a money transmitter, and does not receive, hold, process or transfer any funds on your behalf. 
  • Flywire is not responsible if you do not complete a payment to a Designated Entity.

5.3. Payments to Designated Entities.

Except when you make payments directly to Designated Entities without going through Flywire’s bank accounts, you agree to pay to us, on behalf of the Designated Entity, the amount you indicated when you submitted notice of the Transaction through Flywire. If additional charges apply to the processing of this Transaction for the Designated Entity, 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 with 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.

5.4. Payment Instructions.

5.4.1. Transaction Booking.

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.

5.4.2. Wire Transfer/Direct Debits.

In order for us to process a wire transfer/direct debit received for the Designated Entity in a timely manner, you must diligently follow the instructions contained in your invoice from a Designated Entity or sent to the email address you provided on the site when you notified us of the Transaction through the Services or that you provided on the website of a Service Provider that you were referred to through a Service. You will need to 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, so if your payment fails or is insufficient, you must resubmit the payment. You agree that, when you book a Transaction to a Designated Entity through the Services, if you will be initiating a payment from your bank account, that your account is 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.

5.4.3. Credit/Debit Card Payments.

Flywire may make available to you the option to pay the Designated Entity by credit or debit card. If this option is available, your card will be charged in your local currency by Flywire on behalf of your Designated Entity for the amount of the payment and any applicable fees or charges. Such fees or charges will be disclosed to you prior to your initiating the Transaction. The merchant of record for such transactions will be a Flywire affiliate - Flywire Payments Limited or Flywire Canada, Inc.  Where Designated Entities maintain their own card processing arrangements, the Designated Entity will be the merchant of record. 

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 THE SERVICE.

5.5. Effective Date of Payment to Designated Entity.

When Flywire receives your funds on behalf of the Designated Entity, your payment to the Designated Entity will be considered paid and your obligation to the educational institution, healthcare facility or other biller, discharged. You will receive a payment confirmation email alerting you to Flywire’s receipt of your funds. 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.

5.6. Foreign Exchange Fees.

The exchange rate applied to a particular Transaction is effective only for that Transaction,for the Designated Entity that you indicated you will pay , and not for any other Transaction. The payment amount received from the payer, excluding applicable fees and prior to any foreign exchange conversion conducted by Flywire for the Designated Entity (the "Amount Received") will be the only amount processed by Flywire on the Designated Entity’s behalf. If there are Transactions with missing amounts, the additional amounts might not be considered for the original exchange rate provided.

5.7. Material Currency Fluctuations and Other Extraordinary Events.

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.

5.8. Delays; Availability.

Your payment may be delayed or cancelled in the course of our efforts to verify your identity, validate your Transaction instructions, contact and locate you, and otherwise comply with internal protocols of verification of identity against government-issued sanctions or watch lists, or any other applicable international, national, federal, federal, eral,state, provincial, or local law. Your payment may be delayed or cancelled if you engage any third party service provider that Flywire has not designated or approved to process, transfer, and/or settle funds on your behalf. In such situations, Flywire needs to exert additional efforts to verify your service provider’s identity, validate Transaction instructions conducted through such service provider and contact and locate such service provider to ensure that Transactions comply with applicable international, national, federal, state, provincial, or local law. Business hours and currency availability may also cause a delay. While we make reasonable efforts to ensure that Transactions are processed in a timely manner, we make no representations or warranties that we will complete processing of a Transaction or regarding the time needed to complete processing. The Services depend on many factors outside our control. Nevertheless, you may be entitled to a refund in certain circumstances, at our discretion, as described in these Terms. The Services may not be available to all users at all times. We may, in our sole discretion, refuse Transactions funded from certain payment instruments. We may, at our sole discretion, refuse Transactions from certain payers or their party service providers (if any) and to certain Designated Entities, including payers and Designated Entities located in countries or territories subject to applicable economic or trade sanctions and entities and individuals that are included on the U.S. Department of the Treasury’s Office of Foreign Assets Control’s list of Specially Designated Nationals and Blocked Persons, HM Treasury’s Office of Financial Sanctions Implementation’s Consolidated List of Financial Sanctions Targets, the Financial Action Task Force’s list of Non-Cooperative Countries or Territories, and such other sanctions or watch lists as may be issued and updated from time to time by the United Nations or governmental and regulatory authorities anywhere in the world.

5.9. Refunds.

We are not responsible for providing refunds of any payment Transaction made through Flywireto 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, all refunds will be returned to the originating account in the originating currency.  Refund amounts will be adjusted to account for changes in the value of the U.S. dollar or foreign currency from the time your Transaction was submitted. We may charge additional fees that apply to the processing of your refund request, including, but not limited to, debit or credit card processing fees.

5.10. Verifying Information; No Changes.

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 it through the Services. It is your responsibility to make sure your payment details are accurate before they are submitted.

5.11. Additional Terms for Payments to Designated Entities in the Republic of Ireland; Visas.

If a student requires a visa to study 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 your 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.

5.12. Additional Terms for Payors from India.

You declare that the total amount of foreign exchange purchased from or remitted through, all sources in India during the financial year including this application is within the overall limit of the Liberalised Remittance Scheme prescribed by the Reserve Bank of India and certify that the source of funds for making the said remittance belongs to you and the foreign exchange will not be used for prohibited purposes.  

The total amount of foreign exchange purchased from or remitted through, all sources in India during this calendar year including this Transaction is within the applicable annual limit prescribed by Reserve Bank of India.

You hereby agree to comply with the regulations set forth in Section 10 (5), Chapter III of The Foreign Exchange Management Act, 1999 (“FEMA”) and all applicable rules, regulations, notifications, directions, or orders made thereunder (together with FEMA, “FEMA Legal Framework”).  

You hereby declare that the Transaction does not involve, and is not designed to contravene or evade any provision of FEMA or the FEMA Legal Framework. You also hereby agree and undertake to provide to us any information and documents that we require  to validate the truthfulness of the the above declaration.

You also undertake that, if you refuse to comply with any such requests to provide information or documents or provide only unsatisfactory compliance with such requests, Flywire’s banking partner in India shall refuse in writing to undertake the Transaction.  In addition, if our banking partner in India has reason to believe that you have engaged in or are contemplating any contravention or evasion of FEMA, the bank shall report the matter to the Reserve Bank Of India.

You further declare that the you have the authority to give this declaration and undertaking.

 

5.13. Additional Terms for Agents.

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 payors on whose behalf you work are paid to the Designated Entities. You may only use Flywire services in accordance with these Terms.

6. User Content.

6.1. User Content Generally.

Certain features of the Services may permit users to upload content to the Services, including reviews, data, text, and other types of works ( "User Content" ) and to publish User Content on the FLywire Services. You retain copyright and any other proprietary rights that you may hold in the User Content that you post to the Services.

6.2. Limited License.

6.2.1.   Grant to Flywire.  

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 hereafter developed.

6.2.2.  Grant to User.  

Flywire grants you a limited, revocable, non-sublicensable license to access and use the Services and all content, data, information, and materials included in the Services (the "Flywire Service Materials") solely for your own personal use, or if you are using the Services 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 use and internal business uses of these limited licenses is 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 Services or Flywire Service Materials except as explicitly authorized in these Terms. You will not use the Services or any of the Flywire Service Materials other than for their intended purpose or in any way that is unlawful or harms us or our suppliers.

6.3. User Content Representations and Warranties.

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 Services 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 Services, 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.

6.4. User Content Disclaimer.

We are under no obligation to edit or control User Content that you or other users post or publish, and 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 Services 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 theServices.

7. Prohibited Conduct

BY USING THE SERVICES YOU AGREE NOT TO, AND AGREE TO PROCURE YOUR THIRD PARTY SERVICE PROVIDERS (IF ANY), NOT TO:

7.1. use the Services 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 Services, 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 Services except to the extent that the activity is expressly permitted by applicable law;

7.5. interfere with the operation of the Services or any user’s enjoyment of the Services, 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 Services; (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 Services 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 Services other than for the processing of payments on behalf of a student, healthcare patient, or other party to a Designated Entity;

7.8. use the Services to submit a Transaction on behalf of any other person unless there is a legal reason and provided there is a relationship between the parties;

7.9. register for more than one user account on the Services, 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 Site without our prior written permission;

7.14. frame any elements of the Services 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 11) 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 Services 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.

8. Third-Party Services and Linked Websites.

Flywire may provide tools through the Services 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 Services 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 Services from any other websites unless we approve the establishment of the link in advance.

 9. Termination of Use; Discontinuation and Modification of the Services.

You may terminate your user account at any time by contacting customer service at [email protected]. If you terminate your user account, you remain obligated to pay all outstanding fees, if any, incurred prior to termination relating to your use of the Services. If you violate any provision of these Terms, your permission from us to use the Services will terminate automatically. In addition, Flywire may in its sole discretion terminate your user account on the Services or suspend or terminate your access to the Services at any time for any reason or no reason, with or without notice. We also reserve the right to modify or discontinue the Services at any time (including by limiting or discontinuing certain features of the Services), temporarily or permanently, without notice to you. We will have no liability whatsoever on account of any change to the Services or any suspension or termination of your access to or use of the Services.

10. Privacy Policy; Additional Terms.

10.1. Privacy Policy.

Please read the Flywire Privacy Policy carefully for information relating to our collection, use, storage and disclosure of your personal information. The Flywire Privacy Policy is incorporated by this reference into, and made a part of, these Terms.

10.2. Additional Terms.

Your use of the Services is subject to all additional terms, policies, rules, or guidelines applicable to the Services or certain features of the Services that we may post on or link to from the Services (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 Services, subject to Section 11. All Additional Terms are incorporated by this reference into, and made a part of, these Terms.

11. Modification 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 Services. Material modifications will be effective upon the published effective date. Immaterial modifications are 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.

12. Ownership; Proprietary Rights

12.1. Generally.

The Services are owned and operated by Flywire. The visual interfaces, graphics, design, compilation, information, data, computer code (including source code or object code), products, software, services, and all other elements of the Services ( "Materials" ) provided by Flywire are protected by intellectual property and other laws. All Materials included in the Services are the property of Flywire or our third-party licensors. Except as expressly authorized by Flywire, you may not make use of the Materials. Flywire reserves all rights to the Materials not granted expressly in these Terms.

12.2. Trademarks.

The trademarks, logos and service marks appearing on the Services, 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 Services 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 Services should be construed as granting, by implication or otherwise, any license or right to use any of trademarks and service marks displayed on the Services, without our prior written permission in each instance.

13. Feedback

If you choose to provide input and suggestions regarding problems with or proposed modifications or improvements to the Services ( "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 Services and create other products and services.

14. Indemnity

You are responsible for your use of the Services, and you will defend and indemnify Flywire, its service providers, and their respective officers, directors, employees, consultants, affiliates, subsidiaries and agents (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 Services; (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.

15. Disclaimers; No Warranties.

THE SERVICES AND ALL MATERIALS AND CONTENT AVAILABLE THROUGH THE SERVICES 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 SERVICES AND ALL MATERIALS AND CONTENT AVAILABLE THROUGH THE SERVICES, 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 SERVICES OR ANY PORTION OF THE SERVICES, OR ANY MATERIALS OR CONTENT OFFERED THROUGH THE SERVICES, 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 DO NOT WARRANT THAT ANY OF THOSE ISSUES WILL BE CORRECTED. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE SERVICES OR ANY MATERIALS OR CONTENT AVAILABLE THROUGH THE SERVICES WILL CREATE ANY WARRANTY REGARDING ANY OF THE FLYWIRE ENTITIES OR THE SERVICE 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 SERVICES, YOUR DEALING WITH ANY OTHER USER, AND ANY MATERIALS OR CONTENT AVAILABLE THROUGH THE SERVICES. YOU UNDERSTAND AND AGREE THAT YOU USE THE SERVICES, AND USE, ACCESS, DOWNLOAD, OR OTHERWISE OBTAIN MATERIALS OR CONTENT THROUGH THE SERVICES AND ANY ASSOCIATED SITES OR SERVICES, 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 SERVICES), OR THE LOSS OF DATA THAT RESULTS FROM THE USE OF THE SERVICES 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.

16. Limitation of Liability.

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 SERVICE OR ANY MATERIALS OR CONTENT ON THE SERVICES, 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 SERVICE 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 SERVICE 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.

17. Governing Law.

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. We operate the Services from our offices in Massachusetts, and we make no representation that Materials included in the Services are appropriate or available for use in other locations.

18. General.

These Terms, together with the Privacy Policy and any other terms or agreements expressly incorporated by reference into these Terms, are the entire and exclusive understanding and agreement between you and Flywire regarding your use of the Services. Except as expressly permitted above, these Terms may be amended only by a written agreement signed by authorized representatives of all parties to these Terms. You may not assign or transfer these Terms or your rights under these Terms, in whole or in part, by operation of law or otherwise, without our prior written consent. We may assign these Terms at any time without notice or consent. The failure to require performance of any provision will not affect our right to require performance at any other time after that, nor will a waiver by us of any breach or default of these Terms, or any provision of these Terms, be a waiver of any subsequent breach or default or a waiver of the provision itself. Use of section headers in these Terms is for convenience only and will not have any impact on the interpretation of any provision. If any part of these Terms is held to be invalid or unenforceable, the unenforceable part will be given effect to the greatest extent possible, and the remaining parts will remain in full force and effect. Upon termination of these Terms, Sections 3, 5, 7 through 21, along with the Privacy Policy and any other accompanying agreements, will survive.

19. Dispute Resolution and Arbitration.

19.1. Generally.

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.

19.2. Exceptions.

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.

19.3. Arbitrator.

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.

19.4. Notice; Process.

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, 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.

19.5. Fees.

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. 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.

19.6. No Class Actions.

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.

19.7. Modifications to this Arbitration Provision.

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.

19.8. Enforceability.

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.

20. Force Majeure.

We will not be liable for any failure or delay in performance under these Terms or in connection with the Services due to any cause beyond our reasonable control, including acts of war, acts of God, terrorism, earthquake, flood, embargo, riot, sabotage, labor shortage or dispute, governmental act or failure of the Internet.

21. Contact Information.

The Services are offered 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].