More info
My Account Sign out
How it works Log In Sign Up
  • How it works
  • Log In
  • Sign Up

1. Intellectual Property

By furnishing information or material by means of the website, the Company does not grant any licenses for the use of any copyright, patents, trademarks, brand name or logos or any other intellectual property rights. The user is permitted to make use of the information and reproduce information that is contained in the website only as long as the reproduction is complete, accurate, not malicious, and is accompanied by a proper reference to the source and the Company. Notwithstanding any permission or consent granted by the Company it shall not accept any responsibility or liability in respect of any reproduction of the contents of information obtained from this website. Unauthorised reproduction or use for commercial or marketing purposes is prohibited.

Linking of the website to any other site or in a networked computer environment, including but not limited to framing the content within another site, is expressly prohibited without the prior written permission of the Company. The Company's website link must not appear connected to any other logos and graphics. No alterations or sizing of the Company's artwork, logos or graphics is permitted. The Company's registered name, brand name and logo must not be associated with unfair, deceptive or libelous advertising or commentary or used in any way that will tend to injure or compromise the Company's professional reputation and corporate identity and policies.

2. Account Termination Policy


You can withdraw from this agreement and end it at any time by emailing us at support@sendvalu.com. You have the right to withdraw without paying any penalties and without having to indicate any reason. There is no charge or fee to close your account. 

If your account has been temporarily restricted, we may not be able to close your account until we have completed our enquiries. We will keep you updated with our findings and decision accordingly.  

What happens after my account is closed?  

Please be aware that we are required to retain your data for a minimum of 5 years, as for the MFSA Implementing Procedures (Chapter 9, Articles 9.3 and 9.3.1), in line with the GDPR guidelines (Chapter 3, Article 13). 

Please be also aware that whenever necessary (i.e. demanded by relevant authorities) the data retaining period can be extended to a maximum of 10 years in total. 

We guarantee that during all this time all your data is always stored and kept at highest standards of privacy and security, compliant with the GDPR guidelines. 

3. Terms of use

Scope and Parties
Our core business is the money remittance market. We provide a service that allows you, as an authorized customer of our service, to send money from every computer in the world to recipients (or receivers) in those parts of the world where our distribution network is active. The parties involved in this service are: AWS Malta Ltd. (licensed by the Malta Financial Services Authority (MFSA) to operate as a payment institution), you as a sender, a distributor and a receiver. If you (as the sender of the money remittance) use our service, a contractual relationship shall be established between yourself and AWS Malta Ltd in accordance with the Laws of Malta. This contractual relationship does not include the receiver, who is not a customer of AWS Malta Ltd.

Quality of Service
We use our best effort and due diligence. Usually the amount sent will be delivered within 24-48 hours.

Transactions may require a color copy of your personal identity document and possible other identification material according to specific sender & receiver country requirements. You will be notified immediately during your transaction and will be guided through the process. If within two weeks the remittance cannot be executed, we will wire you the money back to your account, free of any charges (except for failed deliveries for reasons independent of AWS Malta Ltd.’s responsibility, in which case incurred costs shall be covered).

Limitation of Responsibilities
In no event will AWS Malta Ltd. be liable for any indirect, special, incidental or consequential damages caused by delay, non-delivery, non-payment or lesser payment for the money transfer, or any collateral damage.

If AWS Malta Ltd accepts a money transfer from the sender, it solely assumes an obligation in favor of the sender to remit the stipulated amount in accordance with the chosen payment method and shall not assume any responsibility or liability for any damages resulting from non-payment of the money transfer to the receiver because the receiver did not collect or receive payment from the entity delivering payment.

Local regulations
The sender and the receiver are respectively bound to respect all their own applicable national legal and regulatory rules. AWS Malta Ltd shall not assume any responsibility for any resulting practical difficulties or legal consequences faced by either the sender or the receiver due to their respective non-compliance of their respective applicable national legal and regulatory rules. The minimum transfer we accept and deliver is 25 Euro or its equivalent in USD. Transfers below this minimum amount will not be processed. The maximum transfer amount we accept and deliver is depending of the sender country regulatory rules and will be showed in the calculator.

The sender cannot revoke a transaction previously released. If a transaction cannot be completed for a reason for which AWS Malta Ltd is not responsible, the sender remains liable to cover any costs caused by the unsuccessful remittance.

The receiver has to identify him/herself with a legal document (passport or identification card) and has to sign a receipt formula confirming that he or she has received the remittance. The remittance is always paid out in the local currency of the receiver. The credit card of the sender will always be billed in Euro or US Dollars.

Irrespective of the chosen payment method (including cash payout, home delivery, bank account or pre-paid card) in all cases, the eventual contractual relationship between the receiver and the entity delivering the payment (e.g. bank or debit-card issuer referred to as the ‘Distributor’) does not fall within the scope of responsibility of AWS Malta Ltd and lies outside the scope of the contractual relationship of the sender with AWS Malta Ltd. If a payment method is not available to the designated receiver, an alternative payment method should be sought, should there be no payment method available, AWS Malta Ltd. will return the amount back to the sender in accordance with the credit card details originally provided to AWS Malta Ltd. by the sender.

Exchange rates
The amounts shown in our website in local currency at any given moment are based on real-time exchange rates. AWS Malta Ltd negotiates the best rates on the market for the benefit of our customers, and the exchange rates are calculated in real time. Therefore, the exchange rate applied at the time of completing the transaction may differ from the one displayed at another moment in our website. The displayed amounts are always inclusive of AWS Malta Ltd’s business fees.

Duties of sender
The sender accepts the fees and tariffs applied as shown in the online calculator available on the website and the exchange risk inherent in the time-delay between transaction ordering and transaction execution (provided that AWS Malta Ltd uses its advanced techniques and its best effort to minimize such time-delay). He/she confirms the truth of the identity of both sender and receiver. The sender may not disclose his/her account password(s) to anyone else, nor use anyone else's password. AWS Malta Ltd is not responsible for losses incurred by users as the result of the abuse of their passwords.

Politically exposed Person
By accepting the terms and conditions, you confirm that you do not hold a high rank public position in your country or that you are closely related to someone who holds a high rank public position. The following persons are considered as closely related to you:

the spouse, or any partner recognized by national law as equivalent to the spouse;
the children and their spouses or partners; and
the parents.
lf you are holding such position or if you are related to someone who holds such position, you are obliged to contact our support services. Any individual holding the following positions is considered as a PEP:
Head of State, Head of Government, Ministers and Deputy and Assistant Ministers and Parliamentary Secretaries
Members of Parliament
Members of the Courts or of other high-level judicial bodies whose decisions are not subject to further appeal, except in exceptional circumstances;
Members of the courts of auditors, Audit Committees or of the boards of central bank;
Ambassadors, charge d’ affaires and other high ranking officers in the armed forces
Members of the Ambassadors, charge d' affaires and other high ranking officers in the armed forces;
Members of the administration, management of boards of State-owned corporations.

4. Data Protection Declaration for use of Google Analytics

This website uses Google Analytics, a web analytics service. The provider is Google Inc. 1600 Amphitheatre Parkway Mountain View, CA 94043, USA. Google Analytics uses "cookies". These are text files that are stored on your computer and enable analysis of your use of the website. The information generated by the cookies about your use of this website is usually transferred to a Google server in the US and stored there.

In the case of activation of IP anonymization on this website, your IP address will be truncated within Member States of the European Union or other parties to the Agreement on the European Economic Area. Only in exceptional cases will the full IP address be transferred to a Google server in the USA and get shortened there. On behalf of the operator of this site, Google will use this information to evaluate your use of the website, compiling reports on website activity and providing other website activity and internet related services to the website operator. Within the framework of Google Analytics, IP-address sent by your browser will not be merged with any other data held by Google.

You may refuse the use of cookies by selecting the appropriate settings on your browser; however, we point out that you may not be able to use all the functions of this website to its full extent in this case. You can also prevent the data generated by the cookies about your use of the website (including your IP address) to be sent to Google and the processing of this data by Google, by downloading the browser plugin available at the following link and installing it: http://tools.google.com/dlpage/gaoptout.

5. Complaints Policy


AWS Malta Ltd is duly authorised and regulated by the Malta Financial Services Authority (“MFSA”) as a Financial Institution under the Financial Institutions Act 1994 (Chapter 376 of the Laws of Malta) Registration Number C63841. We are required to have in place clear and effective procedures for the reasonable and prompt handling of complaints. Each of our clients are important to us, and we believe you have the right to a fair, swift and courteous service at all times. This document sets out the complaints handling procedures that we will follow in the event that you make a complaint.

Definition Of A Complaint

For the purpose of regulatory requirements on complaints procedures, a complaint is any expression of dissatisfaction, whether oral or written, and whether justified or not, from or on behalf of an eligible complainant about the financial services provider provision of, or failure to provide, a financial services activity, by a natural or legal person. A complaint must involve an allegation that the complainant has suffered, or may suffer, financial loss, material inconvenience or material distress. The complainant is any person, group, or company that makes a complaint. 

How To Make A Complaint?
You may communicate your complaint via any of the following means: letter, email, telephone or via webchat.

By Mail: 
AWS Malta Ltd. c/o Sendvalu,
no. 8 The Westin Dragonara Resort,
Dragonara Road, St. Julians
STJ3143 Malta

By Email:

What Will We Do Once We Have Received Your Complaint?

Your complaint will be referred to our Client Services Manager. We may also ask the member of staff who dealt with the complainant to reply to the complaint. In the event that the Client Services Manager is involved in the subject matter of the complaint, your complaint will be referred to our Compliance Manager. We will acknowledge your complaint in writing within 3 working days. 

Investigating And Resolving Your Complaint

We will investigate your complaint fairly, consistently and promptly, determine whether the complaint should be upheld. We will set out our conclusions in a final response to you.

Our Timetable In Responding To You

Once we have acknowledged your complaint, we will keep you informed of our progress. We will deal with your complaint within 15 working days of us receiving your complaint. We will send you either a final response or a written response which:

  • explains why we are not in a position to make a final response to you and when we might be expected to provide one;
  • informs you whether you are now entitled to refer the complaint to the Office of the Arbiter for Financial Services (“OAFS”).

Allow us to complete our internal Complaints Procedure before you refer your concerns to OAFS. 

Office Of The Arbiter For Financial Services

If you are not satisfied with the outcome of your complaint, you have the right to bring your complaint to the attention of the OAFS as follows:

  • By Mail: Office of the Arbiter for Financial Services, First Floor, St Calcedonius Square, Floriana FRN1530, Malta.
  • By Telephone: 80072366 (Freephone from Malta only) or (+356) 21249245

The OAFS does not receive complaints by email, however enquires may be sent to complaint.info@financialarbiter.org.mt

Closing Complaints

We will regard your complaint as closed once we have sent you a final response AWS Malta Ltd is committed to ensuring that all complaints received are handled fairly, consistently and promptly and that the firm identifies and remedies any recurring or systematic problems, as well as any specific problems identified by a complainant. We will continue to do all we can to learn from the complaints we receive to improve our level of service to you in the future.

We monitor and review the effectiveness of our complaints handling process to ensure that this continuously improves and learnings from complaints handling are carried through into the organisation. 


If you have any questions about our complaints process, please contact our Client Services Department between the hours of 13:00 and 17:00 Monday to Friday Malta time or email to support@sendvalu.com

6. Cancellation and Refund Policy


AWS Malta Ltd is duly authorised and regulated by the Malta Financial Services Authority (“MFSA”) as a Financial Institution under the Financial Institutions Act 1994 (Chapter 376 of the Laws of Malta) Registration Number C63841. We are required to have in place clear and effective procedures for the reasonable and prompt handling of reimbursement and cancellation process. Each of our clients are important to us, and we believe you have the right to a fair, swift and courteous service at all times. The aim of this policy is to formalise, standardise and streamline the prevailing practices concerning the reimbursement of monies transferred by any of AWS customers, where applicable.

Definition Of Cancellation and Refund

Cancellation means any act or an instance of cancelling, manifesting the decision to stop doing and/or planning something. Refund is the act of the restitution, repayment or balancing of accounts.

Cancellation process

Upon Acceptance of a Transfer, it becomes irrevocable. The Sender is only entitled to cancel a Transfer if the Transfer has not yet been collected or received by the Recipient or credited into the Recipient’s account. The Sender can request to cancel a Transfer via our Website or via our customer service helpline. Where a Transfer is cancelled, we will only refund the sent Amount, any other fee occurred is to be paid by the Sender.

Where a Transfer was not authorized by the Sender or has not been executed correctly by us, we will refund the Send Amount and the Fee in accordance with applicable law provided (i) the Sender has notified us about it without undue delay upon becoming aware of it, and (ii) the situation is not due to abnormal and unforeseeable circumstances outside of our control.

Responsibility of the Sender

The Sender must notify us as soon as possible in case a Transfer was not authorized or has not been executed correctly. We will not process a refund if the Sender unduly delayed informing us about the problem and in any event told us after our Acceptance of a Transfer.


If you have any questions about our complaints process, please contact our Client Services Department between the hours of 13:00 and 17:00 Monday to Friday Malta time or email to support@sendvalu.com

7. Cookie policy

What are cookies?
A cookie is a small text file which is sent to your computer or mobile device (referred to in this policy as a “device”) by the web server when you visit the website in order to collect information about your browsing activity on the website.

Cookies are useful because they help our systems to remember your preferences thereby helping us to enhance the usability and performance of our site and your experience while using it. Cookies do not personally identify users but they simply identify a user's computer or other device.

Cookies are either ‘session’ or ‘persistent’ cookies, depending on how long they are stored for:

Session cookies are only stored for the duration of your visit to a website and are deleted from your device when you close your browser;
Persistent cookies are saved on your device for a fixed period of time after the browser has closed and are activated each time you visit the website where the cookie was generated.
How do we use cookies?
We use two types of cookies: session cookies and persistent cookies. Session cookies keep track of you whilst you navigate the website and they will be deleted from your computer when you close your browser. On the other hand, persistent cookies enable our website to recognize your preferences and settings when you visit and will remain stored on your computer for 6 months.

The information generated by the cookies will be used for many purposes. We use cookies, for example, to remember your safe search preferences, to evaluate the use of the website, to count how many visitors we receive to a page, to help you sign up for our services and to protect your data. In this regard, we may perform statistical analyses of user behavior in order to measure interest in the various areas of our site (for product development purposes).

Please note that the use of cookies will not mean that we will release personal information about you as an individual to third parties without your consent. Any collected information may only be divulged without your consent if we are required to do so by law or we in good faith believe that such action is necessary to (1) comply with the law or with legal process; (2) protect and defend our rights and property; (3) protect against misuse or unauthorised use of our web site and content; or (4) protect the personal safety or property of our users or the public (among other things, this means that if you provide false information or attempt to pose as someone else, information about you may be disclosed as part of any investigation into your actions).

Some people prefer not to allow cookies, however please note that if you do this you may not be able to use the full functionality of our website.

How can you control the use of cookies?
Most browsers are initially set to accept cookies. In this regard, for blocking all or certain cookies, you must change the settings of your browser. The Help menu on the menu bar of most browsers will tell you how to prevent your browser from accepting cookies, how to have the browser notify you when you receive a new cookie and how to disable cookies altogether.

You can control and/or delete cookies as you wish. Cookies are also used to record if you have agreed (or not) to our use of cookies on this site, so that you are not asked the question every time you visit the site.

You can delete all cookies that are already on your computer and you can set most browsers to prevent them from being placed. However, if you choose to delete cookies, you should be aware that any preferences will be lost. For these reasons, we recommend therefore that you leave them turned on.

8. General Information

AWS Malta Ltd ("the Company") is a limited liability company registered in Malta (Company Registration Number C-63841) which is authorised and regulated in Malta by the Malta Financial Services Authority ("MFSA") to carry out the business of a Financial Institution in terms of Article 5 of the Maltese Financial Institution Act 1994. The Company is authorised to provide the payment service of money remittance and ancillary services closely related thereto in terms of its MFSA licence.

The Company makes every effort to ensure that information on this website is reliable and accurate, however, neither the Company nor any of its officers or employees make any express or implied representations or warranties regarding the information and facilities contained or referred to in this website and use of this website is at the recipient's own risk. The Company is not responsible or liable for any consequences arising out of actions taken upon the contents of the website and provides no assurances that the content, format and method of update will not be changed without prior notice. The Company also does not provide quality control or assume responsibility for any external links provided.


Our website uses cookies to constantly optimize the user experience. Read more about cookies in our Privacy policy