Compliance
To be in business FIX as financial institution is subject to the following regulatory requirements:

• Licensed in the States of Texas (Annually).
• Registered with FinCEN (Updates every 2 years).
• Back Secretary Act (must comply with reporting and record keeping)
• USA Patriot Act (must have independent audit, designated Compliance Officer, polices and procedures, employee and agent training program).
• OFAC (sanctioned countries and SDN list screening).
• Gramm-Leach-Bliley Act (Consumer Privacy).
• Authorized Delegates/Agents (current list readily available for regulators.

High Compliance Standards
FIX will operate with select customers under the following premises and controls:

1. Customer must be in business for at least two years and be in good standing.
2. Customer must provide updated documentation, including most recent copy of audited financial statements.
3. Customer must have a Risk Score of Moderate or Low-Risk Scores based on controls and other criteria implemented by the Customer.
4. Delivery of the currency purchased must be made to the customer’s or supplier’s account with its correspondent bank in the destination country.
5. Payment of the purchased currency must be received by FIX prior to delivery of foreign currency. WIRE TRANSFERS ONLY (no cash or checks).

Consumer Privacy Policy
General Description

• FIX is committed to providing consumers with the finest financial products and services backed by consistent high-quality service and to protecting the privacy and confidentiality of non-public consumer information from unlawful use and disclosure.
• Maintaining the trust and confidence of consumer is a high priority to the Company.
• Accordingly, FIX has developed guidelines to protect consumers’ privacy and confidentiality and to communicate its commitment to consumers to better serve their privacy needs.
• FIX does not sell or share non-public personal information about consumers with third parties except on a limited basis as detailed in this Policy and in the related Procedures and as required by law.
• To inform consumers about the FIX Policy and FIX commitment to their privacy and confidentiality needs, the Company will provide consumers with the privacy policy disclosure statement.
• FIX reserves the right to change its privacy policy at any time. If the policy is changed, consumers will be informed to the changes on a timely manner. Note: All references to FIX.

Contact a friend or someone you know

Before sharing information make sure you know the entity you are sending money to. Scammers want you to make decisions in a hurry. Slow down, and ask questions.

Subscribe to or consult official resources

Be informed and aware of the most common types of scams. Educate yourself to protect yourself. Review www.scamprevention.info/resources for additional information.

Don't trust your caller ID

Scammers take advantage of technology to falsify caller IDs Be alert for any unusual behavior, and do not provide information to anyone you do not know. Do not answer or provide information in response to any unusual requests.

Do online research

Type a company or product name into your favorite search engine with words like “review,” “complaint” or “scam.” Or search for a phrase that describes your situation, like “IRS call.” You can even search for phone numbers to see if other people have reported them as scams.

Learn how to spot imposters

Scammers often pretend to be someone you trust, like a family member, a charity organization, or a company you do business with. Don't send money or provide personal information in response to an unexpected or unusual request, whether it comes as a text, a phone call, or an email.

Don’t wire money after a check deposit

Banks are required to make funds from deposited checks available within days, but uncovering a fake check can take weeks. If a check you deposit turns out to be fake, you’re responsible for repaying the bank.

Consumer Regulatory - Legal Notices

GroupEx Financial Corporation (GroupEx) is licensed or authorized to provide Money Transfer Services in 30 states and jurisdictions as is applicable and holds NMLS ID #927516. GroupEx is registered as a Money Services Business (MSB) with the Financial Crimes Enforcement Network (FINCEN) and complies with the rules and regulations of the Consumer Financial Protection Bureau (CFPB).

Under DBA “FIX Foreign Exchange” GroupEx offers business-to-business services in the following states:

• Arizona
• California
• Colorado
• Florida
• Illinois
• Indiana
• Maryland
• New Jersey
• North Carolina
• Texas
• Washington

In the State of New York, “GroupEx” offers business-to-business services under DBA “FIX FE”.

Notice to our California Remitters

GroupEx Financial Corporation dba FIX Foreign Exchange (“FIX”) is licensed as a money transmitter by the California Department of Financial Protection and Innovation.

If you have complaints with respect to any aspect of the money transmission activities conducted at this location, you may contact the Department of Financial Protection and Innovation at its toll-free telephone number, 1(866) 275-2677, online at the portal https://dfpi.ca.gov/file-a-complaint/, or by mail at the Department of Financial Protection and Innovation, 2101 Arena Boulevard, Sacramento, CA 95843.

Financial elder abuse occurs when people cheat elderly people out of their money or their property. California law defines elderly people as those who are aged 65 or older. Because the elderly are uniquely susceptible to being cheated as they grow older, California's legislature passed the Elder Abuse Act to provide a remedy and financial elder abuse lawsuits for elderly people who have been cheated. To report suspected elder financial abuse, contact your local county Adult Protective Services Office, find your local agency by calling 1 (866) 376-7066. Abuse reports may also be made to your local law enforcement agency.

Notice to our Colorado Remitters

GroupEx Financial Corporation dba FIX Foreign Exchange (“FIX”) is licensed as a money transmitter by the Colorado Division of Banking.

Customer Notice
Entities other than FDIC insured financial institutions that conduct money transmission activities in Colorado, including the sale of money orders, transfer of funds, and other instruments for the payment of money or credit, are required to be licensed by the Colorado Division of Banking pursuant to the Money Transmitters Act, Title 11, Article 110, Colorado Revised Statutes.

If you have a Question about or Problem with YOUR TRANSACTION - THE MONEY YOU SENT. You must contact the Money Transmitter who processed your transaction for assistance. The Division of Banking does not have access to this information.

If you are a Colorado Resident and have a Complaint about THE MONEY TRANSMITTER – THE COMPANY THAT SENT YOUR MONEY.

ALL complaints must be submitted in writing. Please fill out the Complaint Form provided on the Colorado Division of Banking’s website and return it and any documentation supporting the complaint via mail or email to the Division of Banking at:

• Colorado Division of Banking
• 1560 Broadway, Suite 975
• Denver, CO 80202
• email: [email protected]
• website: banking.colorado.gov/industry/money-transmitters
• Section 11-110-120, C.R.S. requires that money transmitters and money order companies post this notice in a conspicuous, well-lighted location visible to customers. (September 2020)

Notice to our Florida Remitters

First, contact GroupEx Financial Corporation dba FIX Foreign Exchange (“FIX”) at 1(832) 500-4397 to resolve any dispute you may have. If you are not able to resolve a dispute directly with the company, you may file a complaint with the Florida Office of Financial Regulation, Division of Finance:

At the following address: 200 E. Gaines Street, Tallahassee, FL 32399-0381 or by calling: 1(850)410-9805 or 1 (850) 487-9687.

Notice to our Illinois Remitters

GroupEx Financial Corporation dba FIX Foreign Exchange (“FIX”) is licensed as a Money Transmitter by the Illinois Department of Financial Institutions authorized under Illinois Transmitters of Money Act, 205 ILCS 657. For Customer Support regarding suspected violations of this Act please contact the Illinois Department of Financial Institutions, Consumer Credit Section Toll Free 1(888)473-4858.

Notice to our Chicago, IL Remitters

In Addition To The Fees Applicable To This Transaction, A Currency Conversion Rate Will Be Applied To This Transaction If This Transaction Is Paid Out In A Currency Other Than United States Dollars. This Currency Rate Constantly Changes. Please Ask The Clerk For Information Concerning Fees And The Currency Exchange Rate Applicable To This Transaction.

Poza Opłatami Za Przeprowadzenie Transakcji, W Przypadku Uiszczania Opłaty W Walucie Innej Niż Dolary Usa, Transakcja Zostanie Przeprowadzona Zgodnie Z Kursem Wymiany Walut. Kury Wymiany Walut Ulegają Ciągiym Zmianom. Informacje Dotyczące Opłat Oraz Aktualnych Kursów Wymniany Walut Stosowanych Przy Transakcji Można Uzyskać Od Urzędnika.

Además De Los Cargos Aplicables A Esta Transacción, Se Aplicará Un Tipo De Cambio, Si La Transacción Se Paga En Alguna Moneda Diferente A Dólares De Los Estados Unidos. Este Tipo De Cambio Varia Constantemente. Por Favor Pregunte Al Cajero Acerca Los Cargos Y Tipo De Cambio Aplicables A Esta Transacción.

Notice to our Maryland Remitters

GroupEx Financial Corporation dba FIX Foreign Exchange (“FIX”) is a Money Transmitter licensed by the Maryland Commissioner of Financial Regulation.

The Commissioner of Financial Regulation of the State of Maryland will accept all questions or complaints from Maryland residents regarding GroupEx Financial Corporation (NMLS ID#927516) at 500 North Calvert Street, Suite 402, Baltimore, Maryland 21202, phone number 1(888) 784-0136.

The Attorney General’s Office sponsors Project SAFE (Stop Adult Financial Exploitation), an initiative to combat financial exploitation. For more information about this program please visit: https://aging.maryland.gov/Documents/safe.pdf to review the “Protect Your Money” brochure or contact the Maryland Department of Aging, toll-free: 1(800) AGE-DIAL, or 1(410)767-1100. To report suspected financial exploitation, call the Maryland Department of Human Resources, toll-free: 1(800)917-7383 TTY: 1(800)735-2258 Monday through Friday 8 a.m. to 5 p.m.

Notice to our New York Remitters

GroupEx Financial Corporation dba FIX FE is licensed as a Money Transmitter by the Department of Financial Services of the State of New York (Lic#10620). If you have any inquiries or complaints, you may contact FIX at 1(832) 500-4397 or submit your inquiries or complaints in writing to the New York Department of Financial Services by accessing the webpage www.dfs.ny.gov, or by calling the toll-free consumer telephone number: 1(800) 342-3736.

Notice to our Texas Remitters

GroupEx Financial Corporation dba FIX Foreign Exchange (“FIX”) is licensed as a Money Transmitter by the Texas Department of Banking. If you wish to file a complaint, first contact FIX at 1 (832) 500-4397. If you still have an unresolved complaint regarding FIX’s money transmission or currency exchange activity, please direct your complaint to: Texas Department of Banking, Non-Depository Supervision Division, 2601 North Lamar Blvd., Austin, TX 78705, Toll Free: 1(877) 276-5554, or www.dob.texas.gov

Notice to our Washington Remitters

GroupEx Financial Corporation dba FIX Foreign Exchange (“FIX”) is licensed as a Money Transmitter by the Washington Department of Financial Institutions.

If you wish to file a complaint, first contact FIX at 1 (832) 500-4397. If you still have an unresolved complaint regarding the company’s money transmission activity, you may file a complaint with the Washington Division of Consumer Services by one of the following methods:

Online: www.dfi.wa.gov/cs

By Mail: WA DFI DCS | PO Box 41200 | Olympia WA 98504-1200

By Phone: 1(360)902-8703 or 1(877) RING DFI (1(877)746-4334)

By Email: [email protected]

Thank you for visiting the Fix website. By using the Fix website, you agree to be legally bound by these Terms and Conditions and Fix’s Privacy Policy. In these Terms and Conditions, “you,” “your,” and “visitor” refer to the person giving consent.
Fix may amend these Terms and Conditions from time to time in its sole discretion by publishing the changes on its website. It is the visitor’s responsibility to check the website periodically for changes to these Terms and Conditions. The date at the top of this webpage indicates when these Terms and Conditions were last updated. Amendments and other updates will take effect immediately at the time of posting, unless otherwise required by law. If you do not agree with the amended Terms and Conditions, you must discontinue use of the Fix website on the date the amendments take effect.

Visitors to the Fix website agree not to:

1. Use or access the website for any fraudulent or unlawful purpose;
2. Use or access the website to impersonate any person or entity;
3. Interfere with or disrupt the operation of the website or access to it;
4. Transmit or introduce to the website any virus, worm, Trojan horse, time bomb, spyware, or other harmful computer code, file, or program;
5. Restrict or inhibit the ability of any other person to access or use the website;
6. Modify or misappropriate any portion of the website; and
7. Remove, obscure or modify any copyright, trademark, or other proprietary rights notice from the website

The Fix website and its contents are owned by or licensed by Fix and are protected by United States and international intellectual property, copyright, trademark, patent, and trade secret law. Visitors may use this site for personal, non-commercial, use only. Visitors to the Fix website may not copy, modify, or delete any part of this website for illicit or illegal purposes.
Sigue’s name, related names, service names, and logos are trademarks of Sigue and cannot be used without its prior written permission.
Sigue has no control over the contents of third party websites. Any links this website provides to third party websites are provided only as a courtesy to its visitors, and Sigue accepts no responsibility for any loss or damage that may arise from use of the third party site.
These terms and conditions, and any dispute or claim arising out of, or related to, this website is governed by and construed in accordance with the laws of the State of California without giving effect to any choice or conflict of law provision or rule.

Website Privacy Policy

Thank you for visiting FIX website. We value your privacy. This Privacy Policy describes Fix’s information collection procedures and any use of non-personal information. Currently, Fix does not use any personally-identifiable information beyond the purposes for which a visitor may provide it.
At all times, however, Fix reserves the right to disclose information where required by law or to comply with valid legal process.

Personally Identifiable Information

We collect your email address if you communicate with us via the Fix website as well as any other information you may submit voluntarily, such as a chat session. We may use this information to respond to an email or other inquiry and to help improve the website.

Privacy of Minors

The Fix website is intended for adults only. Fix does not knowingly collect any information from children under the age of 13.

Cookies

A “cookie” is a text file used in website system administration that is placed in your computer’s browser in order to keep track of and enhance the visitor’s experience on a website.
Fix collects cookies for a variety of reasons. Cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content. Fix does not collect any personally identifiable information about its site visitors.
Our web server automatically collects information from your computer, including navigation and usage patterns and remembering settings between visits. This information is used in the aggregate form for system maintenance, website improvement, and to improve the visitor’s experience. When you submit data through a form such as those found on contact pages or comment forms, cookies may be set to remember your user details for future correspondence.
In some special cases, Fix also uses cookies provided by Google Analytics and MyLiveChat.
Google Analytics is one of the most common and trusted analytics solutions used to understand how visitors use Fix’s website and to identify ways Fix can improve a visitor’s experience. Cookies may track how long you spend on the site and the pages you visit so Fix can continue to produce engaging content.
For more information on Google Analytics cookies, visit the official Google Analytics webpage at https://www.google.com/analytics/.
This Fix website also uses MyLiveChat, a trusted customer support solution, to help track the particular page about which a visitor is inquiring and to maintain an anonymous user identification to track unique users within a session without logging in or requiring self-identification. For more information on MyLiveChat, see the official MyLiveChat webpage at https://mylivechat.com/.
You can prevent the setting of cookies by adjusting the settings on your web browser.

Data Security

There are many ways that Fix works to keep any personally identifiable information you provide secure. Data is located at secured data centers that can be accessed only by authorized employees. We also utilize other electronic and technological safeguards to prevent unauthorized access to and use of the information.

Third Parties

Fix is not responsible for the content or privacy practices of any third parties via links provided on this website.

Questions

Please contact Fix with any questions you may have regarding this Privacy Policy at 832-500-4397