Frequently Asked Questions

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We offer a simple and easy-to-use platform to send and receive money across the globe. You can create an account, link your bank account or credit/debit card, and start sending or receiving money in just a few clicks.

We offer competitive rates and fees for our money transfer services. The exact cost will depend on the amount you are sending, the destination country, and the payment method you choose. You can check the fees and exchange rates on our website or app before making a transaction.

The time it takes for the money to reach the recipient depends on the destination country and the payment method. In most cases, the transfer is completed within a few hours or days. You can track the status of your transfer on our website or app.

Please be advised that all transactions made through the Narwhale mobile payment service are in United States Dollars (USD). When you initiate a transaction, the amount specified and transferred between accounts will be denominated in USD. This applies to all aspects of our service, including but not limited to:

• Sending money to friends and family
• Receiving payments
• Requests for money
• Adding money to your Narwhale balance
• Withdrawing money from your Narwhale balance

For users transacting from accounts that hold funds in other currencies, the funds will be converted to USD at the time of the transaction. Please note that your financial institution may impose currency conversion fees or other charges. We recommend consulting with your bank or credit provider to understand any additional costs that may apply.

By using Narwhale's services, you acknowledge and agree that transactions will be processed in USD, and you accept any risks associated with fluctuations in exchange rates and conversion costs that may apply to international transactions.

If you have any questions or require further information, please do not hesitate to contact our customer support team at support@narwhalepay.com.

1. Introduction
Narwhale respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and protect information in relation to our mobile payment application, website, and any of our services provided (collectively, "Services").

2. Information We Collect

• Personal Information: When you register for Narwhale, we collect information that you provide us, such as your name, email address, phone number, payment information, and financial account information.
• Transaction Information: Details of transactions you carry out using our Services, including the time, date, amount, and other details of those transactions.
• Device and Usage Information: Information about how you use our Services, including hardware model, operating system, unique device identifiers, and information gleaned from cookies.
• Communications: Correspondence between you and Narwhale, including support requests and feedback.

3. How We Use Your Information

• To provide and maintain our Services, including to facilitate transactions, and to improve your experience.
• To communicate with you, provide customer support, and send you important notices.
• To monitor and analyze trends and usage to improve our Services.
• For legal purposes, such as complying with regulatory requirements and protecting against fraudulent activities.

4. Sharing of Your Information

• With other users: Your basic profile information and transaction details may be shared with other users involved in a transaction.
• With third parties: We may share your information with third-party service providers assisting us in operating our Services, payment processing, and fraud prevention.
• For legal reasons: We may share your information if required by law or if we believe it is necessary to comply with legal processes, protect our rights, or the safety of our users.

5. Your Choices About Your Information
You may review and update your personal information at any time by accessing your account settings within Narwhale.

6. Security of Your Information
We implement robust security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. However, no security system is impenetrable, and we cannot guarantee the security of our databases.

7. Children's Privacy
Narwhale is not intended for use by children under the age of 13, and we do not knowingly collect or solicit personal information from anyone under the age of 13.

8. Changes to Our Privacy Policy
Narwhale may modify or update this Privacy Policy from time to time, so please review it periodically. We will notify you of material changes by posting the new Privacy Policy on our Services.

9. Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us at privacy@narwhalepay.com.

1. Overview
Narwhale is a digital payment platform that allows users to send and receive money with ease. As with many peer-to-peer (P2P) payment services, transactions on Narwhale are instant and typically cannot be canceled once they are initiated. This refund policy governs the conditions under which refunds may be issued.

2. No Automatic Refunds
Because Narwhale facilitates immediate transfers of funds between users, we generally do not offer automatic refunds. Users should only send money to people they know and trust.

3. Sending Errors
If you made an error in a transaction, such as sending the wrong amount or sending funds to the wrong person, you may request a refund from the recipient. Narwhale encourages but cannot force a recipient to refund any payment received in error.

4. Unauthorized Transactions
If you believe an unauthorized transaction has been made from your Narwhale account, please contact us immediately at support@narwhalepay.com. If it is determined that the transaction was not authorized by you and occurred due to no fault of your own, we will work with you to refund the transaction.

5. Merchant Transactions
If you made a purchase from a merchant using Narwhale and you are dissatisfied with the transaction, you should first attempt to resolve the issue with the merchant. If you are unable to reach a satisfactory resolution, please contact us for assistance.

6. Disputes
In cases of disputes between a sender and a recipient over a transaction made through Narwhale, we encourage the parties to resolve their issues amicably. Narwhale can provide transaction details to support any dispute resolution process but is not responsible for mediating disputes between users.

7. Technical Issues
If a transaction fails or is duplicated due to a technical error on Narwhale's part, we will work to correct the issue and issue a refund where appropriate.

8. Contact and Support
For any refund-related inquiries or issues, please contact our customer support team at support@narwhalepay.com, and we will assist you as promptly as possible.

9. Changes to the Refund Policy
Narwhale reserves the right to modify this refund policy at any time. All changes will be posted on our platform, and, where applicable, we will notify you directly.

1. Acceptance of Terms
By accessing or using the Narwhale (Narwhale Inc.) mobile payment service, you agree to be bound by these Terms and Conditions, as well as our Privacy Policy, and any other guidelines, rules, or policies we may publish. If you do not agree to these Terms, please do not use the Narwhale service.

2. Changes to Terms
Narwhale reserves the right, at its sole discretion, to change, modify, add, or remove portions of these Terms at any time. We will notify you of any significant changes and, if necessary, seek your consent. Continued use of the service after such changes constitutes your acceptance of the new Terms.

3. Registration and Account Security
To use Narwhale, you must register for an account and provide accurate and complete information. You are responsible for maintaining the confidentiality of your account and password and for all activities that occur under your account.

4. Privacy Policy
Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information. By using Narwhale, you agree to the terms of our Privacy Policy.

5. User Conduct
You agree not to use Narwhale for any unlawful purposes or in any way that could damage, disable, overburden, or impair the service. You agree not to attempt to gain unauthorized access to any accounts, computer systems, or networks associated with Narwhale.

6. Transactions and Payments
Narwhale facilitates the transfer of funds between users. You agree to provide accurate and complete information for all transactions and to comply with all laws related to financial transactions.

7. Fees and Charges
We may charge fees for certain services. Any applicable fees will be disclosed to you before you incur them.

8. Intellectual Property
All content and software associated with our service are the property of Narwhale or its licensors and are protected by intellectual property laws.

9. Limitation of Liability
Narwhale shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your access to or use of, or inability to access or use, the service.

10. Dispute Resolution
Any disputes arising from the use of Narwhale shall be resolved through binding arbitration, except that you may assert claims in small claims court if your claims qualify.

11. Termination
You agree that Narwhale may, under certain circumstances and without prior notice, immediately terminate your account and access to the service.

12. Governing Law
These Terms shall be governed by the laws of the jurisdiction where Narwhale operates without regard to its conflict of law provisions.

13. Contact Information
If you have any questions about these Terms, please contact us at support@narwhalepay.com.

Narwhale’s Commitment to Security in Payment Transactions

Secure Transmission of Payment Details:
Narwhale employs state-of-the-art encryption and security protocols to safeguard the transmission of your payment card details. When you enter your payment information, it is encrypted using Transport Layer Security (TLS) technology, ensuring that your sensitive data is protected from interception during transmission.

PCI DSS Compliance:
Our platform adheres to the Payment Card Industry Data Security Standard (PCI DSS), which is the benchmark for secure credit and debit card transactions. We maintain a secure network, protect cardholder data, and undergo regular security assessments to ensure compliance with industry standards.

Continuous Monitoring and Protection:
Narwhale’s security infrastructure includes continuous monitoring to detect and prevent unauthorized access or anomalies in our system. Our dedicated security team works around the clock to identify potential threats and protect your information.

Data Storage and Handling:
No payment card details are stored on Narwhale servers. Instead, we partner with trusted, PCI-compliant payment processors to handle and store all card information securely. Our internal policies strictly limit access to your personal information to authorized personnel who require it to perform their job functions and are trained in proper data handling.

User Responsibility:
We remind our users that the security of their Narwhale account also depends on how they manage their account credentials. We encourage users to keep their account information confidential, use strong passwords, and enable any additional security features offered by Narwhale.

Reporting Security Issues:
If you suspect that your Narwhale account or payment information has been compromised, please contact us immediately at security@narwhalepay.com. We take all reports of security breaches seriously and will act swiftly to investigate and resolve security concerns.