Legal
The documents that explain how Speedy works, what we do with your information, and your rights. In plain words where we can.
Draft. These documents are with counsel and our licensed partner. They are not in effect yet, and the highlighted items are still being filled in.
Website and messages
Agreements
- User AgreementPartner details pendingThe contract between you and Speedy for sending money. It explains how transfers work, your rights, our responsibilities, and how disputes are resolved.
- E-Sign ConsentYour agreement to receive disclosures, receipts and notices electronically, and how to get paper copies or withdraw consent.
- Messaging TermsHow Speedy uses text messages and WhatsApp, how recipients opt in to delivery notices, and how to stop messages in any language.
- AI Assistant TermsWhat the Speedy AI assistant is, what it can and can't do, how it hands you to a person, and how your messages are handled.
- Invite Rewards TermsHow invite rewards work, when a reward is pending and when it can be used, and the rules that keep the program fair.
Sending money
- Your Transfer RightsPartner details pendingYour federal rights to cancel a transfer and to have errors fixed, what counts as an error, and exactly how to report one.
- Fees and Exchange RatesPartner details pendingHow Speedy charges for a transfer, how we set exchange rates and what we earn on them, and what others may charge your recipient.
Privacy
- Privacy NoticeWhat personal information Speedy collects, why, who we share it with, how long we keep it, how our AI assistant handles messages, and the choices every customer has.
- GLBA Privacy NoticePartner details pendingThe standard federal "Facts" notice explaining what financial information we collect, share, and whether you can limit sharing.
- Recipient Privacy NoticeFor people who receive money through Speedy but don't have an account. What we collect about you, why, and your choices.
- Cookie PolicyThe cookies and similar technologies on Speedy's website and app, why we use them, and how to control them.
Licenses and complaints
Policies and trust
- Acceptable Use PolicyWhat Speedy can't be used for. Breaking these rules can lead to a transfer being stopped or an account being closed.
- Anti-Money Laundering and Sanctions StatementPartner details pendingHow Speedy and its Partner prevent money laundering, terrorist financing and sanctions violations, and what that means for your transfers.
- Fraud and Scam ProtectionThe scams that target families who send money home, the warning signs, what Speedy does to protect you, and what to do if you've been targeted.
- Security and Responsible DisclosureHow Speedy protects your account and data, and how security researchers can report a vulnerability safely.
- Law Enforcement RequestsPartner details pendingHow government agencies can request information from Speedy, what legal process we require, and how we treat customer notice.
- Accessibility StatementOur commitment to making Speedy usable by everyone, the standard we work to, and how to get help or documents in another format.