Common use of OUR AGREEMENT WITH YOU Clause in Contracts

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be services or digital content) ( “Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ home/policy) and our [Cookie Policy](/home/cookies) (“Policies”), which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/ 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); or 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be services or digital content) ( (“Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ homePolicy](/home/policy) and our [Cookie Policy](/home/cookies) (“Policies”), which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](/home/referral-program-tnc). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); orwhen 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:: ‘Our Services’ & ‘Paying for our Services and Currency Exchange’ (sections 2 and 5) – These sections give you information on the services we provide as well as what charges may apply. It also provides you with important instructions on how you are to pay us to use our Services. Please note that we advise you to not use our Services to send money to strangers. ‘Getting Started and Using our Services’ (section 3) –this provision explains who we permit to use our Services. Please note that it is very important that you do not use our Services on behalf of someone else. ‘Sending money’ (section 4) – this section provides you with important information regarding how we process money transfers. ‘Important Service Restrictions’ (section 7) – please review this section carefully. In particular, it sets out the list of activities known as ‘Restricted Activities’ which you are not allowed to carry out when using our services. It also provides details on what actions we can take if you do not use our services appropriately (which may include us not processing your transactions). ‘Important Disclaimers’ & ‘Our Responsibility for Loss or Damage Suffered by You’ (sections 12 and 14) – these sections explain the circumstances where we are (or are not) responsible to you when providing our services. ‘Your responsibility for losses caused by you’ (section 13) – this section outlines the circumstances when you might be liable for losses caused by you. ‘Changes to our Services and our Agreement’ (section 18) –this section gives important details on how we may change our Agreement with you.

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be services or digital content) ( (“Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ Policy](xxxxx://xxx.xxxxxxx.xxx/home/policy) and our [Cookie Policy](/home/cookiesPolicy](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxx) (“Policies”), which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](xxxxx://xxx.xxxxxxx.xxx/home/referral-program-tnc). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); or 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be services or digital content) ( “Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ home/policyPolicy] (xxxxx://xxx.xxxxxxx.xxx/home/policy) and our [Cookie Policy](/home/cookiesPolicy](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxx) (“Policies”), which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxxx-xxxxxxx-xxx). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); or 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be are services or digital content) ( “Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ home/policyPolicy] (xxxxx://xxx.xxxxxxx.xxx/home/policy) and our [Cookie Policy](/home/cookiesPolicy](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxx) (“Policies”), which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxxx-xxxxxxx-xxx). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you [at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time.] 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); or 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be money remittance services or digital content) ( “Services”)) and any related products or digital content. When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘'Profile’ ' – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ Policy](xxxxx://xxx.xxxxxxx.xxx/home/policy) and our [Cookie Policy](/home/cookiesPolicy](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxx) (“Policies”), ) which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](xxxxx://xxx.xxxxxxx.xxx/home/referral-program-tnc). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); or 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be services or digital content) ( (“Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ Policy](xxxxx://xxx.xxxxxxx.xxx/home/policy) and our [Cookie Policy](/home/cookiesPolicy](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxx) (“Policies”), which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](xxxxx://xxx.xxxxxxx.xxx/home/referral-program-tnc). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); or 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be are services or digital content) ( “Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ home/policyPolicy] (xxxxx://xxx.xxxxxxx.xxx/home/policy) and our [Cookie Policy](/home/cookies) (“Policies”)Policy](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxx)"Policies", which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxxx-xxxxxxx-xxx). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. Copies of prior versions you have agreed to are available upon request via [xxxxxxx@xxxxxxx.xxx](mailto:xxxxxxx@xxxxxxx.xxx). We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); or 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be services or digital content) ( (“Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ home/policyPolicy] (xxxxx://xxx.xxxxxxx.xxx/home/policy) and our [Cookie Policy](/homePolicy](xxxxx://xxx.xxxxxxx.xxx/ home/cookies) (“Policies”), which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](xxxxx://xxx.xxxxxxx.xxx/home/referral-program-tnc). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); or 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be services or digital content) ( “Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ home/policyPolicy] (xxxxx://xxx.xxxxxxx.xxx/home/policy) and our [Cookie Policy](/home/cookiesPolicy](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxx) (“Policies”), which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxxx-xxxxxxx-xxx). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); or 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be services or digital content) ( (“Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ homePolicy](/home/policy) and our [Cookie Policy](/home/cookies) (“Policies”), which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](/home/referral-program-tnc). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); orwhen 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:: ‘Our Services’ & ‘Paying for our Services and Currency Exchange’ (sections 2 and 5) – These sections give you information on the services we provide as well as what charges may apply. It also provides you with important instructions on how you are to pay us to use our Services. Please note that we advise you to not use our Services to send money to strangers. ‘Getting Started and Using our Services’ (section 3) –this provision explains who we permit to use our Services. Please note that it is very important that you do not use our Services on behalf of someone else. ‘Sending money’ (section 4) – this section provides you with important information regarding how we process money transfers. ‘Important Service Restrictions’ (section 7) – please review this section carefully. In particular, it sets out the list of activities known as ‘Restricted Activities’ which you are not allowed to carry out when using our services. It also provides details on what actions we can take if you do not use our services ‘Important Disclaimers’ & ‘Our Responsibility for Loss or Damage Suffered by You’ (sections 12 and 14) – these sections explain the circumstances where we are (or are not) responsible to you when providing our services. ‘Your responsibility for losses caused by you’ (section 13) – this section outlines the circumstances when you might be liable for losses caused by you. ‘Changes to our Services and our Agreement’ (section 18) –this section gives important details on how we may change our Agreement with you.

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be services or digital content) ( (“Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ home/policy) and our [Cookie Policy](/home/cookies) (“Policies”), which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](/home/referral- program-tnc). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); or 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:: to send money to strangers.*

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be are services or digital content) ( (“Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ Policy](xxxxx://xxx.xxxxxxx.xxx/home/policy) and our [Cookie Policy](/home/cookies) (“Policies”Policy](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxx)("Policies"), which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](xxxxx://xxx.xxxxxxx.xxx/home/referral-program-tnc). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time.The 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); or 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwardsonwards and will regard it as your responsibility to familiarize yourself with this Agreement in our webpage. If you do not agree, please do not use our Services. 1.5 Please note the following important information Key sections:

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited Singapore Pte. Ltd. (“"Remitly”", “"we”", “"us” " and “"our”"). It describes the terms by which you will be bound when you access and/or use our products or services (whether they be services or including digital content) ( “("Services”"). When we use the words “"you” " and “"your” " in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important legally binding documents. We There are also draw your attention to other important documents which contain legally binding obligations and form part of our Agreement. The terms of our [Privacy Policy](/ homePolicy](xxxxx://xxx.xxxxxxx.xxx/home/ policy) and our [Cookie Policy](/home/cookies("Policies") (“Policies”), are incorporated by reference into this Agreement. The phrase: 'incorporated by reference' is a legal phrase which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officermeans that the terms of the Policies are made part of this Agreement. If you participate in our ‘'Rewards’ ' programme there are also special terms that apply to you. They are found by clicking [here](/home/. 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions version of this Agreement, Agreement and the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - Service via our website or our mobile app); or 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:: 'Our Services' & 'Paying for our Services and Currency Exchange' (sections 2 and 4 ) – These sections give you information on the Services we provide as well as what charges may apply. It also provides you with important instructions on how you are to pay us to use our Services. Please note that we advise you not to use our Services to send money to strangers. 'Getting Started and Using our Services' (section 3) – this provision explains who we permit to use our Services. Please note that it is very important that you do not use our Services on behalf of someone else. 'Sending money' (section 5) – this section provides you with important information regarding how we process money transfers. 'Important Service Restrictions' (section 7) – please review this section carefully. In particular, it sets out the list of activities known as 'Restricted Activities' which you are not allowed to carry out when using our Services. It also provides details on what actions we can take if you do not use our Services appropriately (which may include us not processing your transactions). 'Important Disclaimers' & 'Our Responsibility for Loss or Damage Suffered by You' (sections 12 and 14) – these sections explain the circumstances where we are (or are not) responsible to you when providing our Services. 'Your responsibility for losses caused by you' (section 13) – this section outlines the circumstances when you might be liable for losses caused by you. 'Changes to our Services and this Agreement' (section 18) – this section gives important details on how we may change our Agreement with you.

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be services or digital content) ( (“Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ homePolicy](/home/policy) and our [Cookie Policy](/home/cookies) (“Policies”), which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](/home/referral-program-tnc). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); orwhen 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:: ‘Our Services’ & ‘Paying for our Services and Currency Exchange’ (sections 2 and 5) – These sections give you information on the services we provide as well as what charges may apply. It also provides you with important instructions on how you are to pay us to use our Services. Please note that we advise you to not use our Services to send money to strangers. ‘Getting Started and Using our Services’ (section 3) –this provision explains who we permit to use our Services. Please note that it is very important that you do not use our Services on behalf of someone else. ‘Sending money’ (section 4) – this section provides you with important information regarding how we process money transfers. ‘Important Service Restrictions’ (section 7) – please review this section carefully. In particular, it sets out the list of activities known as ‘Restricted Activities’ which you are not allowed to carry out when using our services. It also provides details on what actions we can take if you do not use our services appropriately (which may ‘Important Disclaimers’ & ‘Our Responsibility for Loss or Damage Suffered by You’ (sections 12 and 14) – these sections explain the circumstances where we are (or are not) responsible to you when providing our services. ‘Your responsibility for losses caused by you’ (section 13) – this section outlines the circumstances when you might be liable for losses caused by you. ‘Changes to our Services and our Agreement’ (section 18) –this section gives important details on how we may change our Agreement with you.

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be are services or digital content) ( (“Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ Policy](xxxxx://xxx.xxxxxxx.xxx/home/policy) and our [Cookie Policy](/home/cookiesPolicy](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxx) (“Policies”), which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](xxxxx://xxx.xxxxxxx.xxx/home/referral-program-tnc). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you [at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time.] 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); or 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:

OUR AGREEMENT WITH YOU. 1.1 By entering into this standard customer agreement (“SFOA”), you contract with us for the supply of Services, Equipment, Software and Maintenance as relevant to you. This Agreement SFOA has been filed with the ACMA and is a contract between standard form of agreement for the purposes of Part 23 of the Act. 1.2 You may request us to supply the Services, Equipment, Software and Maintenance to you in a manner accepted by us from time to time which may include completing and Remitly Europe Limited providing to us our relevant approved service application form which may also be described as your Customer Contract (“Remitly”, “we”, “us” and “ourApplication”). It describes the terms If you complete a written Application we may accept and rely on, and you will be bound by, a facsimile copy or an electronic copy (from you by email) or a voice authorization of your Application as if it were an original. As described in your Application, you can acquire Services, Equipment, Software and Maintenance either: 1.2.1 as a Package – by which you will be bound when you access and/or use our products (whether they be services enter into one or digital content) ( “Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details more separate contracts with us; or 1.2.2 by entering into a separate contract with us (that is, when you create a ‘Profile’ for the supply of Services – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets as described in the other Parts of these terms are included in this one document for ease of referenceSFOA. 1.2 Other important documents1.3 This SFOA is structured as follows: 1.3.1 clauses 1 to 20 comprise the General Terms. We also draw The General Terms apply to each Part of your attention to our [Privacy Policy](/ home/policy) and our [Cookie Policy](/home/cookies) (“Policies”)agreement with us, which contain all as relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law ; 1.3.2 the other Parts specify the terms and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms conditions that apply to the various Services available to you. They ; and 1.3.3 the following documents are found by clicking [here](/home/ 1.3 Where else can I find a copy expressly incorporated into this SFOA: ▪ Application ▪ Critical Information Summary(s) ▪ Customer Service Guarantee ▪ Schedule of this Agreement Fees and related Policies? The current versions of this Agreement, the Charges ▪ Privacy Policy and the Cookie ▪ Acceptable Use Policy are made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time.▪ Financial Hardship Policy ▪ Complaint Handling Process ▪ Warranty Information Statement 1.4 When do the terms of this Agreement become This SFOA is not legally binding on me? You us until we accept your Application, except that we may undertake credit checking and agree use information supplied by you in accordance with clause 7 and 8, and we may process your Application and prepare to activate the terms Services, order required Purchase Equipment (if any), order required Data & Internet Services Related Equipment (if any) or order required Voice Services Related Equipment. If your Application is refused or cancelled, we may charge you an amount equal to our costs for this work. Your Application will be deemed to be accepted by us at the earlier of the date that your Services are activated, any Purchase Equipment is ordered, any Data & Internet Services Related Equipment is ordered or any Voice Services Related Equipment is ordered. 1.5 If you require assistance reading or understanding any part of this Agreement (including all Policies) when youSFOA, you may contact: 1. acknowledge acceptance of 1.5.1 our customer assistance line on the electronic version of this Agreement when this option is made available to you number specified on the Application Form and on our webpage; 1.5.2 the National Relay Service (such as when you register for the Remitly Services or instruct us to carry out single money transfers NRS) on a transaction by transaction basis - via our website or our mobile app)13 36 77; or 2. start using or attempt to use our Services 1.5.3 the Translating and Interpreting Service (including if you access, download and/or use any of the Remitly ServicesTIS) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwardson 13 14 50. 1.5 Please note the following important information Key sections:

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be services or digital content) ( (“Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ homePolicy](/home/policy) and our [Cookie Policy](/home/cookies) (“Policies”), which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](/home/referral-program-tnc). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); orAgreement 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be are services or digital content) ( “Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ home/policyPolicy] (xxxxx://xxx.xxxxxxx.xxx/home/policy) and our [Cookie Policy](/home/cookies) (“Policies”Policy](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxx)("Policies"), which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxxx-xxxxxxx-xxx). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. Copies of prior versions you have agreed to are available upon request by contacting us For more information on how to file a complaint, please see the following [article](xxxxx://xxxx.xxxxxxx.xxx/s/article/ complaints-process?language=enUS). We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); or 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwardsonwards and will regard it as your responsibility to familiarize yourself with this Agreement in our webpage. If you do not agree, please do not use our Services. 1.5 Please note the following important information Key sections:: important details on how we may change our Agreement with you.

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be are services or digital content) ( “Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ home/policyPolicy] (xxxxx://xxx.xxxxxxx.xxx/home/policy) and our [Cookie Policy](/home/cookiesPolicy](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxx) (“Policies”), ) which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxxx-xxxxxxx-xxx). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are also made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); or. 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be are services or digital content) ( (“Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘'Profile’ ' – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ Policy](xxxxx://xxx.xxxxxxx.xxx/home/policy) and our [Cookie Policy](/home/cookiesPolicy](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxx) (“Policies”), ) which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](xxxxx://xxx.xxxxxxx.xxx/home/referral-program-tnc). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are also made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you:You 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); or. 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be are services or digital content) ( “Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ home/policyPolicy] (xxxxx://xxx.xxxxxxx.xxx/home/policy) and our [Cookie Policy](/home/cookies) (“Policies”Policy](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxx)("Policies"), which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxxx-xxxxxxx-xxx). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. Copies of prior versions you have agreed to are available upon request via [xxxxxxx@xxxxxxx.xxx](mailto:xxxxxxx@xxxxxxx.xxx). We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); or 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be money remittance services or digital content) ( “Services”)) and any related products or digital content. When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘'Profile’ ' – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ Policy](xxxxx://xxx.xxxxxxx.xxx/home/policy) and our [Cookie Policy](/home/cookiesPolicy](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxx) (“Policies”), ) which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](xxxxx://xxx.xxxxxxx.xxx/home/referral-program-tnc). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you:You 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); or 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be money remittance services or digital content) ( “Services”)) and any related products or digital content. When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘'Profile’ ' – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ home/policyPolicy] (xxxxx://xxx.xxxxxxx.xxx/home/policy) and our [Cookie Policy](/home/cookiesPolicy](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxx) (“Policies”), ) which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](https:// xxx.xxxxxxx.xxx/xxxx/xxxxxxxx-xxxxxxx-xxx). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); or 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:

OUR AGREEMENT WITH YOU. 1.1 This Agreement is a contract between you and Remitly Europe Limited (“Remitly”, “we”, “us” and “our”). It describes the terms by which you will be bound when you access and/or use our products (whether they be services or digital content) ( (“Services”). When we use the words “you” and “your” in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a ‘Profile’ – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference. 1.2 Other important documents. We also draw your attention to our [Privacy Policy](/ home/policy) and our [Cookie Policy](/home/cookies) (“Policies”), which contain all relevant information about how we use your personal information when providing our Services to you, including information on your rights under data protection law and how to contact our Data Protection Officer. If you participate in our ‘Rewards’ programme there are also special terms that apply to you. They are found by clicking [here](/home/here](/home/referral- program-tnc). 1.3 Where else can I find a copy of this Agreement and related Policies? The current versions of this Agreement, the Privacy Policy and the Cookie Policy are made available to you at the footer of our website. We strongly recommend that you print off or download and store a copy of these documents and refer to the current version when you use our Services from time to time. 1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you: 1. acknowledge acceptance of the electronic version of this Agreement when this option is made available to you (such as when you register for the Remitly Services or instruct us to carry out single money transfers on a transaction by transaction basis - via our website or our mobile app); or 2. start using or attempt to use our Services (including if you access, download and/or use any of the Remitly Services) – in such circumstances you agree that we will treat your use of our Services as acceptance of this Agreement from that point onwards. 1.5 Please note the following important information Key sections:: ‘Our Services’ & ‘Paying for our Services and Currency Exchange’ (sections 2 and 5) – These sections give you information on the services we provide as well as what charges may apply. It also provides you with important instructions on how you are to pay us to use our Services. Please note that we advise you to not use our Services to send money to strangers. ‘Getting Started and Using our Services’ (section 3) –this provision explains who we permit to use our Services. Please note that it is very important that you do not use our Services on behalf of someone else. ‘Sending money’ (section 4) – this section provides you with important information regarding how we process money transfers. ‘Important Service Restrictions’ (section 7) – please review this section carefully. In particular, it sets out the list of activities known as ‘Restricted Activities’ which you are not ‘Important Disclaimers’ & ‘Our Responsibility for Loss or Damage Suffered by You’ (sections 12 and 14) – these sections explain the circumstances where we are (or are not) responsible to you when providing our services. ‘Your responsibility for losses caused by you’ (section 13) – this section outlines the circumstances when you might be liable for losses caused by you. ‘Changes to our Services and our Agreement’ (section 18) –this section gives important details on how we may change our Agreement with you.