Endcash Mobile Wallet
Terms and Conditions

HOW DOES IT WORK?

Endcash Mobile Wallet

Terms And Conditions

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE ACTIVATING OR USING

ENDCASH, BECAUSE BY DOING SO, YOU ACCEPT AND AGREE TO BE BOUND AND TO ABIDE BY

THESE TERMS AND CONDITIONS.

IF YOU DO NOT ACCEPT, AGREE WITH OR DO NOT WISH TO BE BOUND BY ANY OF THE TERMS,

YOU MAY NOT ACCESS OR USE ENDCASH.

The following terms and conditions (collectively, the “Terms”) apply when you register, access,

download or use Endcash or its services and all associated sites linked to Endcash.com, or the

Endcash mobile application platform or any similar platform (collectively, “Endcash”), operated by

Republic Bank Limited (the “Bank”), on any device. By you accepting or agreeing to the Terms, this

will constitute a legal contract (the “Agreement”) between you, being at least 18 years of age, an

individual user of or a customer or beneficiary of any service offered by Endcash. By accepting or

agreeing to the Terms, you automatically and immediately agree to all the Terms.

In addition to these Terms, you will continue to be subject to the applicable Terms of Use Agreements

for your debit or credit cards.

You must have the power, authority and capacity to accept these Terms. By accepting the Terms or by

using Endcash, you represent that you are at least 18 years of age and have not been previously

suspended, removed, or disqualified for any reason, from availing of Endcash. Impersonation, false

statement or other misrepresentation of your identity, age or affiliation with any person or entity is a

violation of this Agreement. In the event of any violation of the Terms, the Bank reserves the right to

suspend or permanently prevent you from availing of Endcash and its services.

Additional Terms and Conditions may apply in order for you to avail of any specific Endcash service

and to specific portions or features of Endcash, including contests, promotions or other similar

features, all of which are made a part of these Terms by this reference. If there is a conflict between

these Terms and the Terms posted for or applicable to a specific service of Endcash, the latter Terms

shall prevail with respect to your use of that Endcash service.

When registering for Endcash, we collect certain information to verify your identity, to enable you to

use Endcash and avail the Endcash services. You authorise Endcash to collect and use your

information in accordance with the applicable privacy policy as may be amended from time to time,

which is available here.

You understand that except for information, products or services clearly indicated as being supplied

by Endcash, we do not operate, control, or endorse any information, products or services on the

Internet in anyway. You also understand that Endcash and the Bank cannot and do not guarantee or

warrant that files available for download through Endcash will be free of viruses, worms or other

code that may be damaging. You are responsible for implementing procedures to satisfy your

particular requirements of Internet security and for accuracy of data input and output.

The Bank and Endcash reserves the right, in its sole discretion, without penalty, and without notice,

to suspend or terminate your account, your access to or your use of Endcash, in whole or in part, at

any time due to suspected fraudulent, abusive or illegal activity occurring on your account. The

Bank and Endcash will not be liable to you or any third party for any such termination or interruption.

Any suspected fraudulent, abusive or illegal activity may be referred to appropriate law enforcement

authorities. These remedies are in addition to any other remedies Endcash or the Bank may have at

law or in equity.

Last Modified: February 2021

Acceptance

Eligibility

Other Terms and Conditions

Privacy Policy

Use of Endcash Services

Termination; Agreement Violations

IN NO EVENT WILL THE BANK OR ITS CONTRACTORS, AGENTS, SUBSIDIARIES, AFFILIATES,

PARTNERS, EMPLOYEES OR REPRESENTATIVES BE LIABLE FOR DEATH, PERSONAL INJURY,

PROPERTY DAMAGE, OR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR

EXEMPLARY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOST

BUSINESS OPPORTUNITIES, LOST REVENUES, LOSS OF OR DAMAGE TO DATA, BUSINESS

INTERRUPTION, OR ANY OTHER COMMERCIAL OR FINANCIAL DAMAGES, OR OTHER LOSSES OF

ANY KIND, ARISING OUT OF THESE TERMS OR IN ANY WAY RELATED TO YOUR USE OR INABILITY

TO USE ENDCASH. YOU ACKNOWLEDGE AND AGREE THAT THE ABOVE LIMITATIONS OR

EXCLUSIONS WILL APPLY TO YOU SUBJECT TO APPLICABLE LAW. THIS PARAGRAPH SHALL

SURVIVE THE TERMINATION OF THIS AGREEMENT.

YOU AGREE TO INDEMNIFY, SAVE, AND HOLD THE BANK, ITS AFFILIATES, EMPLOYEES,

OFFICERS, DIRECTORS AND PARTNERS HARMLESS FROM ANY AND ALL CLAIMS, LOSSES,

DAMAGES, AND LIABILITIES, COSTS AND EXPENSES, INCLUDING WITHOUT LIMITATION LEGAL

FEES AND EXPENSES, ARISING OUT OF OR RELATED TO: (I) YOUR USE OR MISUSE OF ENDCASH;

(II) ANY VIOLATION BY YOU OF THIS AGREEMENT; OR (III) ANY BREACH OF THE

REPRESENTATIONS, WARRANTIES, AND COVENANTS MADE BY YOU HEREIN. THE BANK

RESERVES THE RIGHT, TO SEEK ALL REMEDIES AVAILABLE AT LAW AND IN EQUITY FOR

VIOLATIONS ON THIS AGREEMENT, AND YOU AGREE TO COOPERATE WITH THE BANK’S

DEFENCE IN SETTLEMENT OF THESE CLAIMS. THE BANK WILL USE REASONABLE EFFORTS TO

NOTIFY YOU OF ANY CLAIM, ACTION, OR PROCEEDING BROUGHT BY A THIRD PARTY THAT IS

SUBJECT TO THE FOREGOING INDEMNIFICATION UPON BECOMING AWARE OF IT. THIS

PARAGRAPH SHALL SURVIVE TERMINATION OF THIS AGREEMENT.

YOU ARE RESPONSIBLE FOR THE MOBILE NUMBER, CREDIT OR DEBIT CARD FROM WHICH YOU

LOAD YOUR MOBILE WALLET. THE BANK IS NOT RESPONSIBLE FOR ANY INSTANCE WHERE AN

INCORRECT MOBILE NUMBER OR CARD INFORMATION IS USED. HOWEVER, IF IN A

TRANSACTION PERFORMED BY YOU ON ENDCASH, MONEY HAS BEEN CHARGED TO YOUR

CREDIT OR DEBIT CARD AND A LOAD IS NOT DELIVERED WITHIN TWENTY FOUR (24) HOURS OF

THE COMPLETION OF THE TRANSACTION, YOU MUST INFORM CUSTOMER SERVICE VIA THE

‘CONTACT US’ FEATURE ON THE ENDCASH PLATFORM OR VIA EMAIL TO

ENDCASHSUPPORT@RFHL.COM. PLEASE INCLUDE IN THE COMMUNICATION THE FOLLOWING

DETAILS –

THE MOBILE NUMBER OR CARD INFORMATION

OPERATOR NAME;

LOAD VALUE;

TRANSACTION DATE;

AND ORDER NUMBER.

THE BANK WILL INVESTIGATE THE INCIDENT AND, IF IT IS FOUND THAT MONEY WAS INDEED

CHARGED TO YOUR CARD WITHOUT DELIVERY OF THE LOAD, YOU WILL BE REFUNDED WITHIN

TWENTY-ONE (21) WORKING DAYS FROM THE DATE OF RECEIPT OF YOUR EMAIL. ALL REFUNDS

WILL BE CREDITED TO YOUR CARD.

TRANSACTIONS BY ENDCASH SHALL BE SUBJECT TO THE REFUND POLICIES EXISTING FROM

TIME TO TIME BY MERCHANTS ON THE ENDCASH PLATFORM. THE BANK TOGETHER WITH

ENDCASH SHALL NOT BE LIABLE TO YOU FOR ANY REFUND OR EXCHANGE. IN THE EVENT THAT

A REFUND OR EXCHANGE HAS BEEN AGREED BETWEEN THE MERCHANT AND YOU, THE

ENDCASH MERCHANT WILL CREDIT ALL REFUNDS TO YOUR MOBILE WALLET.

By accessing or using Endcash, you also agree to these terms.

Violate any law, statute, ordinance or regulation.

Relate to transactions involving (a) narcotics, steroids, certain controlled substances or other

products that present a risk to consumer safety, (b) drug paraphernalia, (c) cigarettes, (d) items

that encourage, promote, facilitate or instruct others to engage in illegal activity, (e) stolen goods

including digital and virtual goods, (f ) the promotion of hate, violence, racial or other forms of

intolerance that is discriminatory or the financial exploitation of a crime, (g) items that are

considered obscene, (h) items that infringe or violate any copyright, trademark, right of publicity

or privacy or any other proprietary right under the laws of any jurisdiction, (i) certain sexually

oriented materials or services, ( j) ammunition, firearms, or certain firearm parts or accessories,

or (k) certain weapons or knives regulated under applicable law.

Relate to transactions that (a) show the personal information of third parties in violation of

applicable law, (b) support pyramid or ponzi schemes, matrix programs, other “get rich quick”

schemes or certain multi-level marketing programs, (c) are associated with purchases of

annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or

refinance debts funded by a credit card, (d) are for the sale of certain items before the seller has

control or possession of the item, (e) are by payment processors to collect payments on behalf

of merchants, (f ) are associated with the sale of traveller’s checks or money orders, (g) involve

currency exchanges or check cashing businesses, (h) involve certain credit repair, debt

settlement services, or insurance activities, (i) involve structured lending products or, ( j) involve

offering or receiving payments for the purpose of bribery or corruption.

Involve the sales of products or services identified by government or regulatory entities to have a

high likelihood of being fraudulent.

Prohibited Conduct

LIMITATION OF LIABILITY AND DAMAGES

INDEMNIFICATION

FUNDING OR LOADING WALLET

REFUND POLICY

REFUND PURCHASES

GO TO BUSINESS LOGIN REGISTER

YOU ARE RESPONSIBLE FOR THE BANK ACCOUNT NUMBER TO BE CREDITED WITH FUNDS

FROM YOUR MOBILE WALLET. THE BANK IS NOT RESPONSIBLE FOR ANY INSTANCE WHERE AN

INCORRECT BANK ACCOUNT NUMBER IS USED. HOWEVER, IF IN A TRANSACTION PERFORMED

BY YOU ON ENDCASH, MONEY HAS BEEN DEBITED FROM YOUR MOBILE WALLET AND THE

FUNDS ARE NOT DELIVERED WITHIN TWENTY-FOUR (24) HOURS OF THE COMPLETION OF THE

TRANSACTION, YOU MUST INFORM CUSTOMER SERVICE VIA THE ‘CONTACT US’ FEATURE ON

THE ENDCASH PLATFORM OR VIA EMAIL TO ENDCASHSUPPORT@RFHL.COM WITHIN FORTYEIGHT

HOURS (48) OR 2 BUSINESS DAYS. PLEASE INCLUDE IN THE COMMUNICATION THE

FOLLOWING DETAILS –

FURTHER, PLEASE NOTE THAT YOU WILL NOT BE ABLE TO AVAIL OF FUNDS FROM YOUR

ENDCASH MOBILE WALLET VIA ANY AUTOMATED BANKING MACHINE (“ABM”), REGARDLESS OF

WHETHER SUCH ABM BELONGS TO THE BANK OR OTHERWISE.

ANY FUNDS IN YOUR ENDCASH WALLET (REGARDLESS OF THE AMOUNT) WILL NOT BE

INSURED OR GUARANTEED BY THE DEPOSIT INSURANCE CORPORATION (“DIC”) AS THIS TYPE

OF ACCOUNT DOES NOT QUALIFY FOR INSURANCE COVERAGE BY THE DIC

To the fullest extent permissible pursuant to applicable law, the Bank and its third-party partners

disclaim all warranties or guarantees – whether statutory, express or implied – including, but not

limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement

of proprietary rights. We, on behalf of ourselves and our authorised representatives, do not warrant

against interference, delay, interruption or disruption with your use of Endcash. We do not authorise

anyone to make any warranty on our behalf and you should not rely on any such statements, other

than those expressly stated herein. The Bank and its partners do not warrant that Endcash will be

uninterrupted or error-free or that defects in the site will be corrected. The Bank will not be liable to

you for any circumstances that interrupt, prevent or otherwise affect the functioning of Endcash, such

as unavailability of your wireless service, communications, network delays, limitations on wireless

coverage, system outages, or interruption of a wireless connection. The Bank disclaims any

responsibility for any wireless service used to access or use Endcash. The Bank is not responsible for

your supported device or the software or hardware it contains and makes no representations,

warranties, or guarantees regarding same. This paragraph shall survive termination of this Agreement.

As a condition to activating and using Endcash, you consent to receive certain messages on

your supported device (i.e. SMS, push notifications) from us. You also agree to receive notices

and other communications from us by phone call or email to the email address provided on

registration, posting within your online account, or through the messaging capabilities of

Endcash. Any notice or communication to Endcash or the Bank regarding the Endcash platform

or service is required to be performed by way of the ‘Contact Us’ feature on the Endcash

platform via email to endcashsupport@rfhl.com.

The failure of Endcash or the Bank to exercise or enforce any right or provision of this Agreement will

not constitute a waiver of such right or provision. Any waiver of any provision of this Agreement will be

effective only if in writing and signed by the Bank.

If any provision of this Agreement is determined to be invalid or unenforceable pursuant to any

applicable law, then that provision will be limited or eliminated from this Agreement to the extent

required by law, and the remaining provisions will continue in effect. The terms of this section will

survive termination of this Agreement, together with any express term or provision which, by its nature

should survive.

As a condition to activating and using Endcash, you agree not to post or submit any content that is:

In the event you were to post or submit any of the above-mentioned prohibited content, the Bank and

Endcash reserves the right, in its sole discretion, without penalty, and without notice, to suspend or

terminate your account.

False, misleading, deceiving, inaccurate or dishonest;

Defamatory or invasive of another person’s right of privacy or right of publicity;

Harmful, obscene, harassing, abusive, offensive, objectionable, violent or condoning violence or

harm, displaying nudity or sexual activity, or otherwise unfit for publication;

Inciting hatred of individuals or groups based on race or ethnic origin, religion, nationality, disability,

gender, age, veteran status, or sexual orientation/gender identity;

Portraying or inciting animal cruelty or neglect;

Illegal, such a criminal activity, terrorism, obscenity, child pornography, human exploitation,

gambling, drug use, firearms or ammunition and piracy;

Infringing intellectual property or other proprietary rights of any party, or not authorized, such as

content that you did not create or do not have the permission to use;

Creating a privacy or security risk to any person;

Spam or related to pyramid and / or ponzi schemes;

In Endcash’s sole discretion, objectionable or exposes users to harm or liability.

If any dispute or difference whatsoever shall arise between the parties in connection with or arising out

of the Agreement, either party may give the other fourteen (14) days notice to resolve the dispute or

difference through Alternative Dispute Resolution (ADR) in accordance with the mediation procedure

of the Centre for Dispute Resolution under the Trinidad and Tobago Chamber of Commerce. If the

parties fail to agree, terms of settlement of their dispute or difference after sixty (60) days of the receipt

of such notice or the party to whom the notice was given refuses to participate in the ADR the

Agreement shall be subject to Arbitration (if the parties agree) or to the jurisdiction of the Courts of

Trinidad and Tobago.

This Agreement shall be governed and construed in accordance with the laws of the Republic of

Trinidad and Tobago and the parties agree to submit to the exclusive jurisdiction of the courts of

Trinidad and Tobago.

THE BANK RESERVES THE RIGHT TO REVISE THIS AGREEMENT OR ANY ENDCASH SERVICE AT

ANY TIME BY POSTING NOTIFICATION THROUGH ENDCASH OR OTHERWISE COMMUNICATING

THE NOTIFICATION TO YOU. THE CHANGES WILL BECOME EFFECTIVE, AND BE DEEMED

ACCEPTED BY YOU, THIRTY (30) DAYS AFTER THE INITIAL POSTING AND APPLICABLE

THEREAFTER ON A GOING-FORWARD BASIS, AND WILL ALSO BE REFLECTED AS THE REVISED

AGREEMENT BY UPDATING THE DATE INDICATED AFTER “LAST MODIFIED” AT THE BEGINNING

OF THESE TERMS AND CONDITIONS. YOU WILL ALSO BE ABLE TO VIEW THE REVISED TERMS

ON ENDCASH. YOUR CONTINUED USE OF ENDCASH FOLLOWING THE POSTING OF CHANGES

WILL CONSTITUTE YOUR ACCEPTANCE AND AGREEMENT TO THE CHANGES. IF YOU DO NOT

AGREE WITH ANY SUCH CHANGE, YOU ARE REQUIRED TO IMMEDIATELY DISCONTINUE YOUR

USE OF ENDCASH.

CASHOUTS

DEPOSIT INSURANCE

Disclaimer; No Warranties

Communication

Waiver

Severability

Content Standards

Dispute Resolution

Governing Law

Modification of this Agreement

THE MOBILE NUMBER;

BANK ACCOUNT INFORMATION;

OPERATOR NAME;

CASHOUT VALUE;

TRANSACTION DATE AND ORDER NUMBER.

Free & Fees FAQs Contact Us Security About Us

Any funds in your Endcash wallet (regardless of the amount) will not be insured or

guaranteed by the Deposit Insurance Corporation (“DIC”) as this type of account does not

qualify for insurance coverage by the DIC.

EMAIL

endcashsupport@rfhl.com

PHONE

1 (868) 62E-CASH (623-2274)

SOCIAL

Download the App today!

Free & Fees FAQs Contact Us Security About Us

Email endcashsupport@rfhl.com

Phone 1 (868) 62E-CASH (623-2274)

Any funds in your Endcash wallet (regardless of the amount) will not be insured or guaranteed by the Deposit Insurance Corporation (“DIC”) as this type of account does not qualify for insurance coverage by the DIC.