For new customers, these terms and conditions became effective on December 22nd, 2018.
For existing customers, these terms and conditions became effective on February 22nd, 2019, following expiry of the two (2) month notice period given to you pursuant to paragraph 3.3 below.

Please email support@dalmar.no if you require a copy of any terms and conditions that were applicable immediately prior to this date.

1. About Us

1.1 The Site is operated by Dalmar AS ("Dalmar," "we," "us" or "our"). We are a limited liability company registered in Norway under company number 998 081 432 and have our registered office at Dalmar AS, Skippergata 9 0154 Oslo Norway.

1.2 Dalmar is authorized as a payment company by the Norwegian Financial Supervisory Authority.

1.3 We provide money remittance services and can conduct cross-border business from Norway.

1.4 To contact us, please use the following details:
Email: support@dalmar.no
Post: Dalmar AS, Skippergata 9 0154 Oslo Norway

2. Terms of Use

2.1 These terms and conditions (the "Terms and Conditions") together with any referenced documents tell you about the rules for using our website www.dalmar.no, whether as a guest or registered user.

2.2 By using the Site, you confirm that you accept these Terms and Conditions and agree to be bound by them. If you do not agree, you must not use the Site or Services. We recommend printing a copy for future reference.

2.3 You are responsible for ensuring that all persons who access the Site through your internet connection are aware of these Terms and Conditions and comply with them.

2.4 Your use of the Site is also governed by our Privacy Policy.

3. Changes to the Terms and Conditions

• 3.1 We may change the Terms and Conditions at any time by amending this page.
• 3.2 We will inform you if we intend to make changes, but advise you to check this page periodically.
• 3.3 We will notify you and provide the opportunity to cancel the Services at least two (2) months before any change becomes effective, except as noted below.
• 3.4 Some changes (such as those required by law or more favorable to you) may take effect immediately upon notice.
• 3.5 Changes to exchange rates take effect immediately without notice.
• 3.6 Using the Services or Site after changes become effective means you agree to the new terms. If you do not agree, you must stop using the Services and Site.

4. Definitions

Business Day: Any day except Saturday, Sunday, or Norwegian bank holidays.
Currency Conversion: Sending money in one currency and payout in another.
Data Protection Legislation: All applicable Norwegian and EU data protection laws.
Receiving Country: The country to which funds are sent.
Fees: All charges and fees for using the Services.
Intellectual Property Rights: All intellectual property rights, registered or unregistered.
Linked Sites: See paragraph 11.1.
Payment Method: Any legal payment instrument used to fund a Transaction.
Payout Method: Sender's chosen way to deliver funds.
Prohibited Purposes: Any unlawful or illegal activity.
Privacy Policy: The privacy policy found here.
Receiver: Person receiving funds.
Sender: Person sending funds.
Sending Country: Country where Sender registered their Account.
Service Provider: Any institution we work with to provide Services.
Services: Remittance and Talk Services via the Site.
Site: See paragraph 2.1.
Terms and Conditions: See paragraph 2.1.
Trademarks: Trademarks, service marks, and trade dress.
Transaction: Sending funds, converting currency, or making a payment.
Transaction Amount: Amount payable to Receiver, excluding Fees.
Transaction ID: Unique reference number for a Transaction.

5. Your Obligations and Responsibilities

• 5.1 Pay all applicable Fees.
• 5.2 You confirm you are not using the Services on behalf of anyone else unless you inform us and provide required information.
• 5.3 You must register to fully access Dalmar services and provide required information.
• 5.4 All information supplied must be true, accurate, current, and complete.
• 5.5-5.9 You must not use the Site for unlawful purposes, to harm minors, to send spam, or to decompile or reverse engineer any part of the Site.
• 5.9.6-5.9.8 You must not transmit viruses or attempt unauthorized access or attacks on the Site.

6. Our Obligations and Rights

• 6.1 We provide access to the Site and Services per these Terms and Conditions but may refuse service without explanation.
• 6.2 We may update the Services, Site, or content at any time.
• 6.3 We must verify your information before approving your Account, in accordance with 'Know Your Customer' standards.
• 6.4 Dalmar is not responsible for any damage or loss from your arrangement with your Receiver.

7. Remittance Services

• 7.1 You must fund your Transaction using your specified Payment Method.
• 7.2 A summary of your Transaction will be displayed before submission; your confirmation is your consent.
• 7.3 All applicable Fees will be displayed before submission.
• 7.4 Currency Conversion rates will be displayed and locked for a specified time after submission.
• 7.5-7.9 Additional details on execution time, limits, SMS confirmation, and cash payout validity.

8. Changing, Cancelling, and Refunding Transactions

• 8.1 Transaction details cannot be changed after submission.
• 8.2 Contact us to attempt cancellation; refunds may be subject to fees.
• 8.3 If incorrect information was provided, refunds are not guaranteed and may incur fees.
• 8.4 Refunds will be credited to the original Payment Method.
• 8.5 Refunds can take up to seven (7) Business Days.

9. Unauthorised and Incorrectly Executed Transactions

• 9.1 Contact us without undue delay if you believe a Transaction was unauthorised or incorrect.
• 9.2 We will refund unauthorised Transactions as soon as practicable.
• 9.3-9.4 If you acted fraudulently or negligently, you may be liable for losses.

10. Communication

• 10.1 Email is the main method of communication.
• 10.2 You must have a valid email address.
• 10.3 You may request a copy of these Terms and Conditions via email.
• 10.4 All communication will be in English.
• 10.5 Notices are deemed received the next Business Day after being sent.

11. Linked Sites

• 11.1 The Site may contain links to third-party websites ("Linked Sites") for your convenience.
• 11.2 We are not responsible for the content of Linked Sites.
• 11.3 You are responsible for your interaction with Linked Sites.

12. Disclaimer and Limitation of Liability

• 12.1 We do not exclude or limit liability where it would be unlawful to do so.
• 12.2 We are not liable for loss or damage arising from use of the Site or Services.
• 12.3-12.8 The Site is provided "as is" and "as available". We do not guarantee uninterrupted or error-free service, and you are responsible for your own virus protection.

13. Linking to the Site

• 13.1 You may link to the homepage fairly and legally.
• 13.2-13.6 You must not suggest association or endorsement, frame the Site, or link from sites you do not own. We may withdraw linking permission at any time.

14. Place of Performance

14.1 The Site is controlled, operated, and administered from within the European Economic Area.

15. General

• 15.1 Each provision is distinct and severable.
• 15.2 We may amend these Terms and Conditions to ensure validity.
• 15.3 Headings are for reference only.
• 15.4 Delay or failure to act does not waive our rights.
• 15.5 These Terms and Conditions are the entire agreement between us.
• 15.6 No third party has rights under these Terms and Conditions.
• 15.7 No joint venture, partnership, employment, or agency relationship is created.
• 15.8 Our performance is subject to existing laws and legal process.

16. Governing Law and Jurisdiction

16.1 These Terms and Conditions are governed by the laws of Norway. Both parties agree that the courts of Norway have exclusive jurisdiction over any disputes.

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