Cancellation and Refund Policy

Scope of This Policy

This policy describes how Texas G&S Investments, Inc., doing business as Texas Money Exchange, handles requests to cancel a transaction or request a refund. The policy is consistent with the Texas Money Services Modernization Act (Texas Finance Code Chapter 152) and the registration and recordkeeping framework under 31 C.F.R. Section 1022.380 applicable to money services businesses. Specific operational terms identified as [PENDING USER INPUT — compliance officer to populate] should be confirmed by the BSA Compliance Officer before publication.

Right to Request Cancellation

A customer has the right under applicable law to request cancellation of a money transmission transaction before the transmission has been completed and the funds have been made available to the designated beneficiary. After completion, refund availability depends on the facts of the transaction and applicable law.

How to Request Cancellation or a Refund

• In person at the branch where the transaction was conducted, or at the corporate office
• By telephone using the contact information on the Contact page
• By email using the contact information on the Contact page
• By mail addressed to the Compliance Officer at the corporate headquarters address listed in Section 8.4

Information to Provide With Your Request

• Date, location, and approximate time of the transaction
• Transaction or receipt number, if available
• Amount, currency, and intended beneficiary
• Your name, contact information, and government-issued identification used at the time of the transaction
• Reason for the cancellation or refund request

Refund Procedure for Transmissions Not Yet Completed

Where a transmission has not yet been completed to the designated beneficiary at the time the cancellation request is received, the company will halt the transmission, verify the requesting party's identity, and process a refund of the principal amount in accordance with applicable law. [PENDING USER INPUT — compliance officer to populate: specific processing timeframe, currency in which the refund is delivered, and whether any portion of the original transmission fee is retained.]

Transactions Already Completed

Where a transmission has already been completed and the funds have been made available to the designated beneficiary, the company is generally unable to reverse the transmission unilaterally. The customer may, however, contact the company to discuss available options. [PENDING USER INPUT — compliance officer to populate: company's standard practice in these scenarios, including any beneficiary-side contact protocols.]

Timing of Refunds

Where a refund is owed, the company will process the refund within the timeframe required by applicable law. [PENDING USER INPUT — compliance officer to populate: specific timing commitment, such as the number of business days within which the refund will be issued.]

If You Are Not Satisfied

If you are not satisfied with the resolution of a cancellation or refund request, you may submit a complaint through the company's complaint procedure (Section 8.4) or contact the Texas Department of Banking, which regulates the company. Contact information is provided in Section 8.4.

Disclosure Reference

This policy is intended to summarize for customer use. It is not a substitute for the specific written disclosures provided at the time of an individual transaction, which control in the event of any inconsistency. Customers should retain transaction receipts and any disclosures received at the time of the transaction.