Disclosure Statement

  • All products and services offered through our diverse channels, including branches, digital platforms, and other outlets, are subject to applicable service charges and conversion rates where relevant.
  • Inclusive details regarding service charges can be accessed on our official website at www.lm-exchange.com. Charges may vary based on the specific product or service and the transaction value.
  • LM Exchange will communicate exclusively with customers through official channels. Customers are strongly advised not to disclose passwords, login credentials, OTP, or any identity authentication information to third parties to mitigate the risk of fraud.
  • Correspondent and/or intermediary charges may be applicable to certain countries, and such charges will be deducted at the receiving end.
  • LM Exchange will strictly adhere to regulatory guidelines when refunding unclaimed funds.
  • Important Notice: Any customer-initiated amendments or re-issuance of remittance transactions, for any reason, are subject to our standard charges and settlement of rate differences, if applicable.
  • Refunds for canceled transfers or unpaid remittance transactions, for any reason, will be processed at the prevailing market buying rate or transaction rate, whichever is lower. This excludes sending charges, deductions from the beneficiary bank, cancellation fees, and any other associated expenses.
  • Upon signing the receipt, the customer acknowledges the accuracy, authenticity, and legality of all transaction details, assuming responsibility accordingly. LM Exchange will inform customers about the estimated transfer time before executing the remittance transaction. However, unforeseen circumstances beyond our control may impact the estimated delivery time.
  • LM Exchange retains the right to utilize the services of intermediary banks and financial institutions in any country of it choosing for the execution of transfers.
  • Confidential customer information will not be disclosed to any third party unless required by applicable laws or regulations within and outside the region.
  • By accepting these terms and conditions, the customer agrees not to utilize LM Exchange services for any prohibited or illegal purposes.
  • LM Exchange reserves the right, at its sole discretion, to periodically modify these ‘Terms of Service.’
  • For further inquiries and detailed information regarding the terms and conditions of all LM Exchange products and services, please visit our website (www.lm-exchange.com), contact us at 80056, or email us at customer.care@lm-exchange.com.