Terms and Conditions

Please read all Hablax, Inc. Terms and Conditions carefully (“Hablax”, from now on) before downloading, accessing or using this website to purchase prepaid calling services, SMS / text messages and recharge products. / prepaid recharges through www.hablax.com or the Mobile App./p>

By accessing or using the website of our service, you affirm that you have read, understood and agreed to be bound by these Terms:

WARNING: It is a federal and state crime to purchase any product or service by fraudulent means. Any and all products purchased through this website will not be used for any illegal purpose. In the event that Hablax becomes aware of any fraudulent use of its services, it reserves the right to send all information from its network to the victim or law enforcement agency, upon request by law, without the consent of the subscriber. This is an unconditional and non-negotiable term of services, and an exception to our privacy policies.

Carrier Services Provided by Hablax. All communication and telecommunications services are provided by Hablax, Inc., an international service provider registered with the Federal Communication Commission: 0028263747 (2020).

By accessing the activation of your prepaid calling PIN associated with your Service, you agree to be bound by all the terms and conditions set forth below. Any purchase through this website or mobile application is expressly conditioned on the acceptance of these terms and conditions established in this document and which can be periodically updated at www.hablax.com .

Do not access your PIN or use this service, do not create a subscriber account or buy service refills through this website if you do not accept all the terms and conditions indicated on this website or mobile app. These terms also apply to purchases from live operators.

These terms and conditions are subject to the Federal E-sign Act of 2000, as amended, and constitute an agreement between Hablax and the subscriber for prepaid calling services purchased through this website.

By activating a PIN and therefore the service with Hablax, you represent that you are of legal age in your country of residence to enter into this agreement and that you have read and fully understood the terms and conditions in it.

If you are not of legal age, you must have the permission of your father, mother or legal guardian. Ask your parent or legal guardian to read these terms with you.

If you are a parent or legal guardian and you allow your child to use the services,

Thank you for selecting Hablax prepaid calling services through this website and / or mobile application. Hablax strives to provide the best and cheapest possible calling services for its users and clients. Therefore, it is important that you read and are familiar with our terms of service that apply to all sales and all services provided by Hablax. If you have any questions about these terms, please contact our department. How should you do it? Contact customer service before making a purchase or when you become aware of the problem. We value your business and look forward to meeting your communication needs.

The Following Terms are applicable to all Hablax Services:

Customer Service may be reached at: service www.hablax.com . Any and all issues, questions, or notices under these terms and conditions must be sent to Customer Service first as a condition precedent to any claims or complaints.
Electronic Contract for Service. All services purchased on www.hablax.com and its associated mobile application platform are performed using a Browser Wrap electronic contract format. Hablax will make the Terms of this Agreement available to you in a separate format upon request. You can request access to these electronic records in Adobe Acrobat or in standard text formats. They are also available here on the website. At all times, it reserves the right to request and receive paper documents when requested from Hablax by email or through our customer service www.hablax.com .
Use of Services. The Hablax Service is intended for personal use only. It is not intended to be added to, resold, or provides primary services to call shops, call centers, telemarketing or professional services, or any other variant of commercial use outside of the individual's use of the calling service for purposes. Hablax reserves the exclusive right to review your use of the Hablax Service and terminate such service if it reasonably believes that the account is being abused or used for purposes other than personal use. You must not resell or transfer the Service or grant access to the Account to another party without our prior written consent. You are prohibited from using the Service or Account Access for automatic dialing, continuous or extensive call forwarding, telemarketing (including but not limited to political or charitable solicitation or polling), forgery / harassment, broadcast fax or voicemail or blast fax or voicemail. Hablax reserves the right to immediately terminate your Service if we determine, in our sole discretion, that you have at any time used the Service or an Application for any of the above or similar activities
Reservation of Rights. Hablax reserves the right to refuse service to anyone through its website for any reason and at any time.
Inappropriate use and / or conduct as a cause for termination or breach of the Agreements: You agree to use the Hablax Service and Application for lawful purposes only. You must not use, or allow third parties to use the Service or the Application in any way that is illegal, harmful, threatening, defamatory, misleading, fraudulent, abusive, harassing, defamatory, vulgar, obscene, sexually explicit. profane, hateful, discriminatory or other objectionable material of any kind, including, without limitation, material that encourages illegal conduct. If Hablax believes, in its sole discretion, that a customer has engaged in any of the above conduct, Hablax reserves the right to (I) immediately suspend or terminate your Service; and / or (II) forward the offending materials, your communications with Hablax and your identification and other personal information to the appropriate authorities for investigation and prosecution. You consent to the sending of such communications and information to these authorities or the police.
Regulatory Fees & Taxes. All sales, use, indirect, utility or other taxes, or regulatory fees or charges imposed by Hablax as a result of the provision of international calling services or services through the Hablax Application will be deducted from prepaid amounts charged to Customer's account and are a cost of the Service when imposed or required by law. This includes the Delaware Communication Service or sales tax that is applied to the amount charged that you pay for the service. Net worth and minutes available to call are announced in the Hablax voice prompts accessed when placing a call. Contact our customer service for information on the applicable taxes and fees associated with your service.
Minutes revealed through voice message: When using the Service, you will have an interactive voice notice (IVR) available that will disclose the available minutes that you have available according to the rates to the selected destination and the regulatory rates and taxes applied. All published rates are applicable rates before taxes and fees. If you have any questions regarding the rate applied, please hang up before the service is completed and contact our Customer Service team at www.hablax.com for clarification
Service Minutes and Rounding. Hablax services are rounded up to the nearest sixty (60) second interval. If you have any questions about rounding off, please contact our Hablax customer service.
Credit/Debit Card Charges. Hablax will not accept credit or debit card payments from brand network credit card issuers that are regulated issuers in their respective countries. You must provide and pay by valid credit card (Visa, MasterCard, Discover, American Express, or any other issuer accepted by Hablax) of which you are the authorized cardholder when purchasing, activating or recharging any Hablax Service. All services are prepaid and charged at the time of purchase. Hablax reserves the exclusive right to request identification for proof of cardholder or payment account. Government ID may be required to show proof of cardholder. You must notify Hablax in writing within seven (7) days of receipt of your credit card statement if you disagree with Hablax's charges. Any applicable billing discrepancy that results in the consumer initiating a refund from the credit card provider through the Federal Truth in Lending Act, 12 C.F.R. Part 266 (1998), REG-Z, is not exempt and Hablax must be given a reasonable time to investigate the nature of the claim, billing, and the Customer's specific charge.
Cash payments / bank transfer: Depending on the payment processor or the bank from which the transaction was made, payments can take between 24 and 72 business hours to be effective. Hablax will make the service effective when said payment is credited.
If there is any failure in the processing platform, Hablax will not be responsible for crediting the balance or delivering the service until the payment is confirmed. Hablax may request supporting documents of the execution of the operation from the client.
External platforms for payment processing: Hablax is not responsible for failures that the Paypal platform, Coinpayments, the platforms of banks or intermediary systems for payments such as PSE, Webpay, SPEI and all other affiliates may have. The service will only be provided once the payment is verified, for which Hablax may request documents proving the completion of the operation from the client.
Rules of the payment network www.hablax.com Our merchant processors (Payment Networks) are found online on our website or within the mobile app verification. The payment networks that process payments online on our site have established guidelines, statutes, rules and regulations ('Network Rules'). Hablax is required to comply with all Network Rules that apply to merchants using an online purchasing process. These rules are publicly available from processors and can be sent to you at the request of Hablax by written request via email at [email protected] or through our customer service. Payment networks reserve the right to modify their own network rules. Hablax also reserves the right to modify its Terms and Conditions at any time, as necessary, to comply with the Network Rules or correct changes in the credit or debit cards that the payment networks use or can accept for the transactions.
Security phone number and PIN: You are responsible for maintaining the confidentiality and security of your mobile phone and the Hablax account number associated with your services. You are responsible for all uses of your phone and account, whether or not you expressly authorize it. Any unauthorized access to your Hablax service that is the result of your own negligent handling of your telephone equipment or access data to the Hablax account is expressly your responsibility. You expressly waive all legal defenses and measures against Hablax for any collectible debt arising from unauthorized access to your services, through your PIN and / or account that is the result of your own manipulation, negligence or intentional disclosure of the data associated with your Hablax service account or mobile devices that contain the application with your data.
There are no warranties on the service: Hablax makes no warranties of any kind, whether express or implied, including, without limitation, warranties of title or non-infringement, warranties of merchantability, or fitness for a particular purpose with respect to the services or the application, any transaction carried out through the services or on the Internet in general, or in terms of the quality of the call. Hablax will not be liable for any costs or damages arising directly or indirectly from such transaction, use of the service or application. Hablax does not guarantee that the services or the application will not be interrupted or free of errors or that they will operate without failures, packet loss, degradation or interruption, nor does Hablax guarantee any connection or transmission over the internet, nor that any defect in the services or materials will be corrected. Neither Hablax nor its officers, directors, employees, affiliates or agents, nor any other service provider or provider that provides services, applications or products to the client related to the Hablax service, will be responsible for unauthorized access to our transmission facilities or equipment of its facilities or premises, nor by unauthorized access to files, programs, procedures or customer information, nor by the alteration, theft or destruction of the same, through accidents, means or fraudulent applications or any other method, regardless of whether such damages are caused as a result of Hablax or the negligence of the service provider (s). Statements and descriptions regarding the Hablax downloadable application or service, if any, by Hablax or our agents or installers are informative and are not offered as a guarantee of any kind.
Expressed limitation of liability: Hablax contains links ('links') to other sites on the Internet that allow the User to have access to them, but in no way can any responsibility arise for Hablax in relation to the quality of the products or services offered. on the site to which the link is made or by the transactions carried out by the User in said places of the network. Furthermore, in no event shall Hablax be liable to the client for (i) any incidental, consequential or indirect damages (including, but not limited to: damages for loss of profits, business interruption, loss of programs, data or information, and the like. ) arising out of the use or inability to use the site, services or materials, or any transaction provided in the service or downloaded or hyperlinked from the site, even if Hablax or its authorized representatives have been advised of the possibility of such damages, or (ii) any claim attributable to errors, omissions or other inaccuracies in the service and / or materials or information downloaded through the site or hyperlinked from it
Hablax does not control or endorse the content of third-party websites. All services and materials provided on the Hablax website are provided 'as is'. Hablax does not guarantee that the files available for download from the site are free from infections or viruses, worms, Trojans or other code that contains contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy the security requirements of your particular website for the accuracy of data input and output, and for maintaining a means external to the site for reconstruction of any data loss.
Indemnification You, the Hablax Customer, agree to indemnify, defend, and hold Hablax its officers, directors, employees, agents, shareholders, licensees, suppliers, business partners, and third-party information providers to the Site, the Hablax Services, or the Applications from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from Customer's use of any of the Services or Applications. 2. Initial welcome message and consent to PUSH, text and newsletter messages from Hablax: You will receive a one-time initial welcome message via push message, SMS or email to notify you that the service has been activated and established. You can continue to receive alerts, payment confirmations and promotions of the services of Hablax or sister companies of Hablax through these methods, and revoke any consent by replying 'STOP' through a text message or unsubscribe through the link that appears at the end of received emails. Push messages are direct notifications from the App and to be stopped the App must be uninstalled from your mobile phone. You can also unsubscribe from receiving these messages by contacting Hablax customer service. If you stop this option and later wish to receive messages from Hablax via text message or email, please contact Hablax customer service to give your express consent to reinstate the option.
Applicable law, jurisdiction and venue These Terms of Use shall be governed exclusively and construed in strict accordance with the laws of the State of Delaware, in the United States of America. Customer, by virtue of purchasing through this website, agrees to submit to the exclusive jurisdiction and venue of the state and federal courts of Lewes County, Delaware and expressly waives all defenses to jurisdiction without any consideration of conflict of law theories, law cases or principles.
Trademarks. All corporate names, service marks, logos, trade names, trademarks, websites and domain names of Hablax, Inc. d / b / a www.hablax.com (collectively 'Marks') are and will remain the exclusive property of Hablax and nothing in this agreement will grant the Client or a third party the license to use such marks.
Copyright. All Services, Software and Materials found on this Website are protected by the Copyright of the United States, or by and through other intellectual property laws. Any commercial use of the Software, Services and Materials found on the Website is strictly prohibited without the express prior written consent of Hablax, Inc d / b / a www.hablax.com. Any reproduction or redistribution of the Services and / or Materials that is not in accordance with the terms established herein is expressly prohibited
Compliance with Hablax and CALEA. Please note that in case a request comes from government agencies or law enforcement, with the authority to require that Hablax report on the information Payment network rules www.hablax.com. Our merchant processors (Payment Networks) are found online on our website or within the mobile app verification. The payment networks that process payments online on our site have established guidelines, statutes, rules and regulations ('Network Rules'). Hablax is required to comply with all Network Rules that apply to merchants using an online purchasing process. These rules are publicly available from processors and can be sent to you at the request of Hablax by written request via email at [email protected] or through our customer service. Payment networks reserve the right to modify their own network rules. Hablax also reserves the right to modify its Terms and Conditions at any time, as necessary, to comply with the Network Rules or correct changes in the credit or debit cards that the payment networks use or can accept for the transactions.
Security Phone Number and PIN: You are responsible for maintaining the confidentiality and security of your mobile phone and the Hablax account number associated with your services. You are responsible for all uses of your phone and account, whether or not you expressly authorize it. Any unauthorized access to your Hablax service that is the result of your own negligent handling of your telephone equipment or access data to the Hablax account is expressly your responsibility. You expressly waive all legal defenses and measures against Hablax for any collectible debt arising from unauthorized access to your services, through your PIN and / or account that is the result of your own manipulation, negligence or intentional disclosure of the data associated with your Hablax service account or mobile devices that contain the application with your data.
Information related to its services, or, if the public order requests this information or access in accordance with CALEA or the Patriotic Law, Hablax will be obliged to cooperate and disclose this information in accordance with the laws of the United States of America and the State of Delaware.

About the Money Transfer Service

These money transfer services are provided exclusively by Lemargo Inc., which is a licensed and registered money transmitter under applicable laws. Hablax does not offer banking or money transmission services.

The Service is limited to non-commercial person-to-person Transactions. Money transfers to or from business entities are not permitted. You must not use the Service to send money to strangers or on behalf of unknown third parties. The service is not available for money transfers from the United States.

Persons with permission to carry out Money Transfer transactions. To access Money Transfer services as a Sender or Receiver, you must be at least eighteen (18) years of age and be able to enter into legally binding contracts under applicable law. If you make a Money Transfer request to someone who turns out to have defrauded you or failed to meet their obligations to you, we will not be liable as a result.
The Service is limited to non-commercial person-to-person Transactions. Money transfers to or from commercial entities are not permitted. You must not use the Service to send money to strangers or on behalf of unknown third parties.
How to access the Money Transfer service. Each time you request a Money Transfer to be sent, you are placing a request for it to be processed and paid, and may be accepted or rejected by Hablax in our sole discretion. Lemargo may also require additional information from you or your Receiver, as explained in the next section, to process the Transaction.
Information we may request from you. To help the government combat the financing of terrorism, money laundering, and other criminal activity, we will request, verify, and record certain information about you at the time you request your first Money Transfer transaction through the App or web session. In this sense, when requesting your first money transfer, we will ask for your full name and surname, in case they are not previously registered in the system. We will also ask for your address, mobile phone number and identification number. In addition, depending on other circumstances, including the amount of your transaction, we may request additional information about you, including, but not limited to, your date of birth, a copy of a government-issued identification, your social security number, your occupation, your nationality, and your country. We may also lawfully obtain information about you from other sources, including non-personally identifiable information that we may obtain while you visit the Websites or mobile applications. Lemargo may have additional requirements. Depending on other circumstances, including the amount of your Transaction and the method of receiving the funds, we may request additional information from the Recipient, including, but not limited to, a copy of the Recipient's government-issued personal identification document, identification number associated with such personal identification document, the Recipient's address, the Recipient's date of birth, the Recipient's country of birth, and the Recipient's nationality.
Veracity of the information provided. It is a condition of your use of the Service that all information you provide to us is correct, current, and complete at all times. We will protect the privacy of your information as detailed in the Privacy Policy. Also, remember that all the information provided will be shared with Lemargo, who will be in charge of processing your money transfer transactions, and they, in turn, may share it with their service providers. Please note that by agreeing to these Terms and Conditions, you authorize us to contact you or others, by any means, to make inquiries and request additional information to validate any information we have in our records. Such inquiries may include, without limitation, the following: mobile phone number verification, account verification, and requests for additional personal information from your mobile carrier. Information collected about you will be held in accordance with government regulations. [These rules currently require that the information collected be kept for up to ten years after the closure of your account.] The information collected will not be shared with unaffiliated third parties without your knowledge and consent.
Charges that will apply for the service. Transfer fees will apply in consideration for use of the Service. You agree to pay a Service Charge or Transfer Fee per transaction. This Transfer Fee will be paid in addition to the Transfer Amount. The Transfer Fee will be displayed (on the Website or via our Mobile Application) prior to your payment for the Transaction.
Exchange rate. It is important to note that money transfers are charged in Canadian Dollars (CAD). Whenever you request payment from us for a Transaction in a currency (“Payment Currency”) other than Canadian dollars, a retail exchange rate may apply in addition to the transfer fee. Depending on your bank and type of card, this may also apply some additional charge.
Payment Methods. Before your transaction can be processed, you must place an order and pay the transaction amount and transfer fee (and any other applicable charges shown). The current payment option available for the Transaction is credit or debit card. From time to time, Lemargo may add or remove certain payment options.
Debit Cards: You can use most Visa® or MasterCard® debit cards. While Lemargo strives to accept all debit cards (each one is a “Payment Instrument”), there may be some Payment Instruments that are not accepted to pay for a money transfer.
Some restrictions on our service. Lemargo may, at any time and in its sole discretion, reject any transaction or limit the amount to be transferred, either per transaction or in aggregate, without prior notice. We also reserve the right at any time, and from time to time, to modify or discontinue the Service (or any part thereof) with or without notice.
For Transactions paid with any Payment Instrument, the following are the amount restrictions for each Sender and Receiver:
1. Minimum amount of $20.00 USD per transaction.
2. Maximum amount of $2,999.00 USD per transaction.
3. Maximum amount of $2,999.00 USD per calendar day.
4. Maximum amount of $6,000.00 USD for all Transactions during any consecutive thirty (30) calendar day period (please note that this aggregate limit applies separately to each Sender and Receiver).
Account creation and security. Lemargo only authorizes one account per User and phone number. Multiple accounts for the same User are not allowed. By creating an account, you represent that the account belongs to you and not to someone else. As a User, you agree not to attempt to circumvent the parameters of the Service by using the Payment Instrument, another person's account, or entering false information, or any other means.
We have the right to disable any user at our sole discretion.
Clients registered in Hablax from the United States will not have access to the money transfer service.
Response times. Your Transaction may be delayed in the course of our efforts to verify and/or validate your identity, confirm, or implement payment or funding instructions, process other Transaction information, and comply with applicable law and internal processes. Lemargo does not accept your orders to complete a Transaction, as evidenced by its staging and payment of a Transaction, until the Company has ensured its ability to process such Transaction in accordance with applicable law and offer the Received Amount to the Receiver.
Transfer Recipients. The use of our Service is restricted to Recipients who are members of your family, friends and acquaintances. Sending Transactions to strangers is not allowed. If we discover through reliable means (as determined by Lemargo) that you have provided us with incorrect information about your Receiver, we will contact you to correct the information provided. In some circumstances, we may refuse to process your Transaction and issue a refund. Lemargo reserves the right to terminate your account in the event that they determine that you are attempting to submit a Transaction on behalf of a third party or to an unknown Receiver.
Ineligibility. We do not process Transactions from Senders or Receivers who are included on international and local watch lists, including, but not limited to, the following: Special Designated Nationals list issued by the Office of Foreign Assets Control, list of Countries and Territories Non-Cooperators, Palestinian Legislative Council, and other government-issued lists. We may also reject any Sender or Receiver who may appear on any politically exposed person (“PEP”) list, or who is a family member or is believed to be a close associate of such PEP. We will reject Transactions that are financed with payment instruments issued in foreign countries.
Restricted Activities. As a user of our websites, mobile applications, or our services, or in the course of your interactions with us, there are certain activities that constitute a breach of these Terms and Conditions and will likely result in the closure of your account, including but not limited to not limited to:
A. Breach of any other agreement between you and Lemargo.
B. Provide false, inaccurate, or misleading information.
C. Refuse to cooperate in an investigation or provide confirmation of your identity or any other information we request.
D. Use an anonymous proxy.
E. Sending Transactions to, or on behalf of, unknown persons.
F. Providing or attempting to obtain a cash advance from your credit card (or assisting others to do so).
G. Sharing account information with others.
H. Sharing Transaction information with anyone other than the Receiver (and you must instruct your Receiver not to share Transaction information).
I. Use any automatic device or manual process to monitor or copy anything on our websites or Mobile Applications.
J. Creation of Multiple Accounts.

These terms and conditions were last updated on February 10, 2022 and will be reviewed every six (6) months for policy changes and corrections to electronic contracts. All Hablax Services will be subject to the Terms and Conditions published at that time, provided that they do not conflict with the Terms and Conditions of a Client's Electronic Contract that have not been notified to the Client by email thirty (30) days before. of its entry into force.