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M Lhuillier (ML) Kwarta Padala Terms and Conditions (Money Transfer)...

A money-transfer service provider in the Philippines, M. Lhuillier Kwarta Padala has over 1,400 branches all over the country.
We cannot underestimate its importance in bridging the gap of many Filipinos in terms of money transfer. We know how it serves as a bridge of many OFWs to send money to their families in the Philippines.
On other hand, we, as a customer, must also know our responsibility, the terms and conditions of M. Lhuillier Kwarta Padala.
Aren't you aware of the most frequently asked and useful questions such as...?
  • Is a person below 18 years old (minor) qualified to send or receive money in M Lhuillier?
  • Does M. Lhuillier Kwarta Padala accept bank check for money transfer?
  • Does M. Lhuillier has the option to give check to the receiver?
  • What to do if you forgot the password made by the sender of money?
  • After the money was sent by the sender, how many hours you should wait to pickup the money?
  • Are there any charges if the sender chooses to cancel his/her transaction?
  • Does MLhuiller accepts check (cheque)?
  • What will happen if you didn't pick-up the money or if the receiver didn't pick-up the money after one month?
These questions will be answered one by one as you read the ML Kwarta Padala Terms and Conditions below. Take note of the underlined statements.
M Lhuillier (ML) Kwarta Padala Terms and Conditions (Money Transfer)
1.  The ML Kwarta Padala money transfer service is available in all M. Lhuillier Financial Services, Inc. (MLFSI) branches nationwide. The sender must ascertain that there is an open branch near his/her receiver where the latter can claim the money.
2.  The sender and the receiver must be personally present, must be of legal age, must submit a valid ID, must comply with the Know Your Customer (KYC) from and the Customer Information Sheet and must subscribe to the AMLC rules and regulations and other applicable laws in making the transaction.
3.  The sender must write the full name of the receiver including the full middle name in the Customer Information Sheet or the MLKP form. Should the sender fail to give the full middle name of the receiver, it shall be considered a waiver on his part to include this information in verifying the transaction, MLhuillier shall not be held liable for any paid transaction to a receiver whose full middle name information was waived by the sender. Incorrect spelling of the receiver's name(s) may cause delay in paying out the transaction.
4. The sender hereby agrees that the transaction shall be released to the claimant receiver if the latter can present Kwarta Padala Transaction Number (KPTN) and comply with the valid ID, KYC and all other requirements as may be required by law.
5. The sender must relay to the receiver the complete and correct KPTN and must advise the receiver to bring a valid ID for additional verification purposes.
6. The sender may waive the age requirement of the receiver. However, a minor receiver can only claim the money provided said minor is a relative of the sender to the 4th civil degree or a godchild/ward/beneficiary of the sender or whose relationship with the sender is such that it does not violate the Child Trafficking Law. The said minor receiver must still comply with the identification requirements mentioned herein. Minors below 12 years old must be accompanied by his/her guardian. The said guardian must comply with the requirements in Item No. 2 herein.
7. MLFSI accepts only cash (Philippine Pesos) in processing money transfers and the receiver is paid in cash (Philippine Pesos) at the payout location unless otherwise agreed upon by the parties in a special contract.
8. The sender may add a message to the transaction. However, the message must not be of such a nature that contractual obligations arise thereof between the sender and the receiver. If such is the case, the sender absolves M. Lhuillier from any liability or responsibility arising from the failure of the delivery of the message.
9.  The sender and the receiver may be notified of the status of the transaction via SMS provided their cellular phone numbers were furnished by the sender to M. Lhuillier. Should there be a failure in notifying the receiver for any reason whatsoever, M. Lhuillier shall not be liable for the failure in providing said information.
10.  The money is available for personal pickup in any M. Lhuillier branch nationwide, subject to the hours of operation of the selected payout branch including closures without prior notices, its telecommunications facility, its connectivity to the MLKP system, and other conditions, including but not limited to, power and telecommunications failure, computer or gadgets failure, inclement weather and the like.
11.  In cases where the selected sendout or payout branch happens to be a "not online" branch, the time when the transaction information is available in the MLKP system and its retrieval thereof may vary according to the communications facility of the said selected branch. A "not online" branch is that which does not have direct access to the MLKP system due to telecommunications limitations.
12.  The sender may also direct MLFSI to forward the money to the account of the receiver with any bank, corporation, institutions or entity.
13. Should the sender decide to cancel his/her transaction, he/she must submit a written request to MLFSI for the cancellation of the said transaction. MLFSI will refund the principal amount of the money transfer only. MLFSI will refund the charges upon written request of the sender only if the money transfer is not available to the recipient within seven (7) days from the time it was sent. To the extend allowed by the law, MLFSI may deduct a service fee of FIVE HUNDRED PESOS (P500) per month from money transfers that are not picked up after one month from the time it was sent.
14. Changes to the original entries of the sendout may be made only be the sender upon personal presentation of a written request and payment of the additional charges. The said changes shall be processed immediately and the transaction shall be made available in the system subject, however, to the conditions mentioned in item 10 herein. Should the change be made in a branch other than the branch where the transaction was originally made, the sender must present the valid ID which he/she presented in the original sendout branch for verification purposes. And if the said other branch happens to be a "not online" branch, the sender must present, together with the said valid ID, the duplicate copy of his sendout form.
15.  In no event shall MLFSI or any of its agents be liable for damages for delay, nonpayment or underpayment of this money transfer, or non-delivery of any supplemental message, whether caused by negligence on the part of its employees or agents or otherwise, or unpublished closure of the intended payout branch of the receiver beyond the sum of FIVE THOUSAND PESOSO (P5,000), in addition to refunding the principal amount of the money transfer and the service fee. Further, in no event will MLFSI or its agents be liable for any indirect, special, incidental or consequential damages beyond the aforementioned amount.
16.  MLFSI and its agents may not accept process or pay any money transfer that any of them determines, in their sole discretion, to be in violation of any MLFSI policy or applicable law.
17. All claims or suits regarding this transaction shall be filed in the courts of Cebu City only.

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"M Lhuillier (ML) Kwarta Padala Terms and Conditions (Money Transfer)" was written by Mary under the Finance / Wealth category. It has been read 82335 times and generated 10 comments. The article was created on and updated on 25 January 2015.
Total comments : 103
Rheabel Evangelista [Entry]

i would like to cancel my transaction please help me through this
Trunip Fajardo [Entry]

Your branch representative should disclose any terms that applied on the sender's transaction. I'm about to receive 8k php, then the rep asked for primary ID's. Which I don't have at that time, something happen and since there is pandemic there's no way that I can get even NBI clearance. So the sender decided to cancel the transaction and just get the money. Because of the Terms and Conditions Section 13, the sender would not be able to get the transaction fee back.

You have charged us for nothing. You should considerate, or at least informed your clients before processing any request.

For us it is like a silent bait to charge us for nothing. Hope this reach the right department to make changes on your processes and policies.
joerelyn carman [Entry]

You didnt clarify the question. What if the money didnt claim right away? Whats the process.. What if two weeks after the duedate already passed. Can we still claim it. Enlighten us.
alex custodio [Entry]

ask ko lang po kung pwede kunin ung ayuda from sss ung sbws program nila ng walang tracking number? kasi ung sinendan nila n number ay hindi ko n a po gamit.. nanakaw po kasi ung cp ko nun.. makukuha ko pa ba yun?
Ma clauderane lozano [Entry]

Paano po pag beyond 3months na ang remitance ko. Last july 2019 pa po un. Ngyon ko lang po kukuhanin. Nag eerror na po. Ano po dapat gawin para makuha ung pera?
cecilia arcilla [Entry]

pwede bang hindi ma claim ang remittance ng receiver kahit ready to collect na mula sa worldremit dahil watch listed
Kurt Martin [Entry]

tanong kolang po kapag di ko na kuha ka agad ang pera na ipinadala sakin ano po ang mangyayari?(ex. 3 days po hindi na kuha)
alexa [Entry]

Hi can I authorize my girlfriend to claim my money for me? I am currently at the hospital right now
Jade [Entry]

can i claim money from abroad even i am below 18?
Patricia [Entry]

Ask q po ano pwde gawin kase wala po aq pin.
Bale may isang letra po na mali sa na inpute kpng gmail. Then nung mag cacashout po aq need ng pin , eh wala nmn po aq na recve sa email q kase nga po mali po pala yung isang letter na nainput q sa ML wallet.
Help po. Kase kahit sa branch ng MLhuiller hndi alam ano ggwin. Tsk.! Nakka disappoint . I ask kung ano ibang way pra makapag cash out aq wala raw ibang way kung tumwag sa hotline nila. Madami akong tawag sa hotline nila lagi nmn network busy. Tsk.
Julie ann Catarus [Entry]

Hi ask q lng po pano q po marretrieve ung kptogo code naerase po kc s phone ko kso hnd q p po nssend s mother q ung code thanks po
Audrey [Entry]

Ask ko lang po, kasi yung employer ng tita ko ang nagpadala ng pera from abroad. Tapos instead na JOHN ang ilagay nya ang nalagay nya po dun is JHON. Letter lang naman po nagkamali. Pwede po ba rin e claim? Emergency po kasi. Medyo masungit po kasi ang employer ng tita ko, baka po ano gawin sa kanya. Sana naman po ma consider po yun.
Melody Parado [Entry]

I received KPTN from ML mismo. But I dont know if asawa ko talaga nagpadala pero bago dumating ung kptn nagtext siya saken..ngayon hnde nasabe saken kung magkano pinadala niya at kung siyang talaga ang sender..pano po kaya un eh nasa system niyo naman po ung information.. Eh may proof naman po ako nung padala.. Hnde po kase siya masyado nakakagamit ng cellphone kase bawal po sa work niya.. Training po siya ng army..
eryl dagala [Entry]

I received KPTN from ML mismo. But I dont have idea if sino ang sender and the amount. I asked those person na posibleng nagpadala but they said na hindi naman daw sila. What are my options to claim the money? can i preset atleat 2 valid id's?
Rey Barberan [Entry]

Hi. Can I authorized my couzin to claim the money for me? I am injured now and cant visit any ML Branch. Reply asap
Rowell azucena [Entry]

May limit po ba ang pag claim ng money? I mean, in terms of time? Kelangan po ba ma-claim agad? Or okay lng na khit ilang days? Due to busy sched. Thanks
Renalyn [Entry]

Hindi na po BA makukuha ang pera kapag na cancel ito.
Renalyn [Entry]

Hindi na po BA makukuha ang pera kapag na cancel na.
Maria Amora Perez Gonzales [Entry]

Can I still claim the money even if I've lost the tracking #?
My phone was reset and all my messages was deleted

Mae [Entry]

Tanong ko lang po. Do you gather information of name and sending money records if ever asked via private investegator?
Cherryloudangoy [Entry]

Pwede po ba mag refund dahil hangang ngayon wala pa pong update ang shopee sa dragon pay.? Kaya mag refund nlng ako paano po?
Imma [Entry]

Hi nung sunday po pinadala ng friend q ung pera kya lang dq pa sya nakukuha, hanggang kelan q pede kunin ang pera?
shen [Entry]

Sir/mam.. taning lng po kung ilang days or weeks po pwede mgtagal ung perang pnadala sa inyo bago kunin? Tnk u
Nikko [Entry]

I am a 16 years old male and i have ID schools,my cousin send money using my name as a receiver,can i get the money?
Criliza dela cruz [Entry]

Ask ko lang po sana if nag pa dala ang kamag anak ko galing abroad then maurun kasi akong maling surname na inilagay paanu po ba ma cocorrect iyong or pwede b namin makuha paanu gagawin my affidavit of the same person nman po akong hawak kasu maari po ba itong tanggapin ng m lhulier
taninaka [Entry]

ask ko lang po sana .... kung gano katagal bago ma expire yung perang hndi pa narerecieve....
kelangan nyo po kasi ng government ID... eh medyo matagal po bago ako makakuha nun....
Zia balabag [Entry]

My tanung aqo ilan araw ma refund ang pera mo kasi na cancel kasi ang order ko sa shopee thru dragonpay
michael [Entry]

Hi po gud aftiee. Pwede po ba ako magbayad ng bill sa dragon pay ? Im 14 yrs old na po may I.D rin po ako school ID
fen [Entry]

pwede po b i claim ang pera sa cebuana? pinadala po xa sa m lhuiller. thanks po.
Malate Rojanto Malate [Entry]

Good am po maam/sir!! Tanong ko lang po, if ever na hndi ko maclaim ng one week ang pinadala then after one week tyaka ko kukunin pwede pa pi ba un?? Alam ko nmn refernce#: and name of sender!! Salamat
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