FREQUENTLY ASKED QUESTIONS (FAQs)

What is the benefit of using LDV Express to send money to the Philippines?

For over 17 years, LDV Express has and continues to be a trusted source for money transfers to the Philippines. LDV Express supports customers with money transfers for paying bills, supporting loved ones back home, funding their Philippine bank account, and more. 

LDV Express prioritizes customer satisfaction through competitive exchange rates as well as secure and timely money transfers. LDV Express is a legally recognized entity, licensed and regulated by FINTRAC in Canada. 

How do I send money to the Philippines?
  1. Customers will need to make an LDV Express account by completing a New Customer Form accompanied with a piece of Government-issued ID (Drivers License, Passport, Photo Card).
  2. LDV Express offers three options to send a transaction: 
  • In Person: Customers can go in person to an LDV Express branch. 
  • INTERAC E-Transfer: Customers can call an LDV Express branch and send an INTERAC E-transfer. 
  • Website/App: Customers can send from the comfort of their devices through LDV Express website or app. 
How to edit information on my account?

It is important customers maintain up to date information. Please contact an LDV Express branch or edit your account details on the LDV Express website/app. 

How will my recipient receive the money?

LDV Express offers bank-to-bank and pick-up (cash) options. Bank-to-bank transfers are available for all banks in the Philippines. Recipients can pick up cash at Mlhuillier, BPI, BDO, and thousands of other pick-up locations. 

When will my recipient receive the money? 

Dispatch for pick-ups recipients will receive it the same day. Dispatch for BDO and BPI banks recipients will receive it the same day. For any other banks, recipients will receive it within 1-2 business days. Delays or cancellations may occur for a number of reasons, sometimes beyond the control of LDV Express. 

How can I track the status of my transaction?

Senders can track their transaction by calling an LDV Express branch or on the LDV Express website/app through the tracking icon. 

How much is the service charge?

There are no hidden fees at LDV Express, service charges are disclosed per transaction. More information on service charges can be found in LDV Express’ Terms & Conditions. 

Are there transaction limits?

LDV Express has a daily limit of $3,000 CAD paid in cash or $4,500 paid in debit.

How do I edit the details or cancel my transaction?

Changes or cancellations must be communicated in written form to LDV Express or done through the website/app prior to the transaction being dispatched. Once the transaction is dispatched it is final and irrevocable. 

Have additional questions?

If you have any additional questions, please reach out to: ldvexpressinc@yahoo.com

TERMS & CONDITIONS (T&Cs)

Definitions

“App” means LDV Express mobile application to send remittances, remittances, edit account details, and send inquiries. 

“Account” means a customer that has signed LDV Express new customer form accompanied by a Government-issued identification (ID). 

“Bank to Bank” means a money transfer from the sender’s bank to the recipient’s bank.

“Recipient” means the beneficiary of the funds being sent.

“Business Day” means any day LDV Express is open for business to dispatch a transaction. 

“Branch” means LDV Express in person locations at:

[a] Centerpoint Mall, 6464 Yonge St, North York, ON M2M 3X4

[b] inside TNT at Promenade Mall, 1 Promenade Cir, Thornhill, ON L4J 4P8

“Customer” means an LDV Express customer with an LDV Express account. 


“Dispatch” “Dispatched” “Dispatching” means the money is deposited from LDV to the recipient via bank-to-bank or pick up. 

“Financial Institution” means a bank, credit union, or other financial establishment that provides financial services. 

“Receipt” means the proof of the transaction. 

“Payment Instruments” means the method or technology used to dispatch a payment, may include but is not limited to a point-of-sale or virtual terminal.

“Pick-Up” means a money transfer from the sender’s bank available for cash pick up by the recipient at select locations. 

“Remittance” means a CAD to PHP money transfer from a sender to the recipient.

“Service” means LDV Express money transfer product. 

“Service Fee” means LDV Express fee for its provided service.  

“Sender” means a customer who uses LDV Express to send a remittance. 

“Transaction” means the transfer of money or the remittance. 

“Transaction History” means a record of your transactions. 

“Transaction Amount” means the total of the money transfer or the remittance. 

“Transaction Request” means a customer’s money transfer order for remittance through LDV Express. 

“Transaction Limits” means the maximum amount allowed for a transaction. 

“Website” means LDV Express web browser to send remittances, edit account details, and send inquiries. 

LDV Express Obligations

Service Offer 

Subject to these Terms and Conditions, LDV Express is responsible for providing the Service. LDV Express reserves the right to refuse, suspend, or terminate use of the Service in part or in full based on LDV Express’ discretion. 

LDV Express reserves the right to select and change Payment Instruments to accept Transaction Amounts due by the Sender without notice. LDV Express reserves the right to change or discontinue the Service in part or full at any time without notice. 

LDV Express strives to process Transactions in a timely manner, but delays or cancellations may occur which may be a result of:

Regulation 

LDV Express is a legally recognized entity, licensed and regulated by FINTRAC in Canada. 

LDV Express is not responsible for ensuring the Financial Institution of the Sender and Recipient comply with necessary domestic or international regulations and laws. Should the Customer suspect their Financial Institution is non-compliant they should connect with their Financial Institution. 

Identification and Documents 

In compliance with FINTRAC, LDV Express is required to support the combat against money laundering and funding of terrorism by collecting, verifying, and recording identifying information about all Customers. Consequently, LDV Express must obtain personal identifying information on Customers and may require personal identifying information for Recipients. Failure to comply, LDV Express reserves the right to refuse, suspend, or terminate use of the Service in part or in full based on LDV Express’ discretion. 

Electronic Communications

LDV Express reserves the right to contact the Sender in regard to their Transaction or a Customer in regard to their Account. 

LDV Express may send notifications or updates in relation to the Customer Account or Transaction through phone, email, or notifications on the Website or App. 

Customer Obligations

Right to Use

Subject to the Terms and Conditions, LDV Express grants a Customer 18 years or older the right to use the Service.

Account Creation

To utilize the Service and become a Customer an Account must be opened. To open an Account, a New Customer Form must be completed with true, accurate, and current information accompanied by a Government-issued ID (Drivers License, Passport, Photo Card). If inaccurate information is provided, LDV Express has the right to refuse, suspend, or terminate use of the Service. 

Responsibility of Account 

Personal Information

Customers are obligated to ensure true, accurate, and current Government-issued ID and personal information are provided if requested. If any changes occur, Customers must update their Account details on the Website, App, or contact an LDV Express Branch immediately. 

Authentication 

Only the Customer on file may access their Account. The Customer and Recipient must act only on their own behalf. The Sender and Recipient should not send or receive a Transaction on behalf of a third person. It is the Customer responsibility to make sure their login details for the Website and App are secure. Customers should also change their password logins as they feel appropriate. LDV Express is not liable, in any event, where an unauthorized Transaction occurs due to the Customers failure to keep secure their Account details negligently or with intent. 

If Customers are at a Branch, they should be prepared to show their Government-issued ID to confirm it is the Customer on file. 

Authorization

It is the Customers responsibility to provide true, accurate, and current Transaction and Recipient details before Dispatch. Customers will be given the opportunity to confirm the Transaction details before Dispatch and are responsible for reviewing the details for accuracy. 

Senders will only use the Service to send a Transaction Amount to a Recipient they personally know or trust.

Customers acknowledge that LDV Express may refuse to dispatch a Transaction Request if it is believed the Customer is using the Service for fraudulent, illegal, prohibited activities, or in violation with these Terms and Conditions, per discretion of LDV Express. 

In the event that the Customer is sending a Remittance to purchase a good or service, the Customer acknowledges that LDV Express does not control and is not responsible for the quality, safety, legality or delivery of such goods or services and that any such use of the service is entirely at the Customer’s own risk. 

Compliance

The Customer will comply with these Terms and Conditions as well as any applicable laws, rules, or regulations. The Customer recognizes that any breach of these Terms and Conditions can result in a refusal, suspension, or termination of the Service use.

The Customer acknowledges that if required, the Customer may consult their own professional advice which may apply to the Service. 

Payment and Fees

Senders will pay the stated Service Fee in addition to the Transaction Amount. The Service Fee and Transaction Amount are due at the time the Transaction Request is placed. Once the Transaction Request is dispatched the Service Fee is non-refundable. 

The Transaction Amount is determined based on the Exchange Rate at the time which is subject to change on a regular basis based on the global market. 

Changes

LDV Express reserves the right to amend or replace these Terms and Conditions at any time. LDV will try to provide a notice prior to major changes taking effect. What constitutes a major change will be determined at LDV Express’ discretion. 

Fees and Charges

The base Service Fee for bank-to-bank and pick up is $10 CAD per transaction. An additional fee of $2 CAD per $1000 CAD is applied for transactions paid in cash. Once the Transaction Request is dispatched the Service Fee is non-refundable. 

LDV Express is not responsible for fees or charges a Sender may incur from their Financial Institution as a result of using the Service. This may include but is not limited to a cash advance, interest, Interac e-transfer, withdrawal, or card fees. Senders are responsible for consulting their financial institution regarding any such fees or charges. 

LDV Express reserves the right to change its Service Fee from time to time without notice to the Customer. At the time of the transaction the applicable Service Fee will be disclosed and reflected on the Customers Receipt. 

No Warranty

The Service, Content and this website is provided “as is” and without any warranty or condition, express, implied or statutory. LDV Express, its subsidiaries, employees, suppliers, vendors, and service providers specifically disclaim any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement.

Refunds and Cancellations 

Refunds

Unless exceptional circumstances exist, as defined by these Terms and Conditions, the Transaction is final and irrevocable once the Transaction Request is Dispatched based on the details provided by the Customer. 

It is the responsibility of the Sender to provide true, accurate, and current Transaction details before Dispatch. Customers will be given the opportunity to confirm the Transaction details before Dispatch and are responsible for reviewing the details for accuracy. 

LDV Express is not liable for information that may prove to be incorrect as provided by the Customer. 

Cancellations or Changes

If a Customer would like to cancel or make changes to the Transaction Request they must do so in written form before the Transaction is Dispatched. Senders should contact LDV Express the same day the Transaction Request was made within LDV Express operating hours. Under no circumstances will a cancellation be permitted once the lapse of the Dispatch period has occurred. The status of the Transaction can be seen on the Website, App, or by contacting an LDV Express branch. 

Exceptional Circumstances 

If any of the following exceptional circumstances exist, the Sender is relieved of finality and irrevocability of the Transaction, subject to a refund if: 

[a] Prior to Dispatching the Customer identifies an error or requests a cancellation.

[b] To comply with a law or an order of court. 

[c] If there is a delay or fault due to LDV Express technical issues and the Transaction is unable to Dispatch. 

Refunds are for the Transaction Amount only; Service Fees are non-refundable. Any refunds will be returned back to the Sender in the same currency. 

Fraud

LDV Express in its best effort places fraud mitigation tools through Customer authentication and authorization checkpoints. Ultimately, it is the Customers responsibility to make sure their login details for the Website and App are secure. Customers should change their password logins as they feel appropriate. LDV Express is not liable, in any event, where an unauthorized Transaction occurs due to the Customers failure to keep their Account details secure.

If the Customer suspects that their Account has been compromised or accessed by an unauthorized party, they must contact LDV Express immediately with the Transaction details. LDV Express in its best effort will try to retrieve the funds, but a return or reversal is not guaranteed. The Customer must cooperate with LDV Express to investigate any potential unauthorized access. 

Copyright

All content including software, imagery, logos, designs, and information on the Website, App, and Services are property of LDV Express. These materials are protected by copyright and intellectual right laws. 

Security

The security of Service depends on LDV Express and the Customer. 

LDV Express Responsibility 

LDV Express prioritizes the safe, efficient, and easy use of its Services. LDV Express employs security measures including confirmation of Customer identity and authorization checkpoints. 

Customer Responsibility 

It is the Customer’s responsibility to:

LDV Express may send notifications or updates in relation to the Customer Transaction or Account through phone, email, or notifications on the Website or App. 

With scams and fraud on the rise, Customers should remain wary of potential fake communications that claim to be LDV Express. LDV Express will not contact you to ask for your Account log in details or card details. 

Fraudulent actors may attempt to contact you claiming to be LDV Express through a phone number or email that looks legit, but it will contain a few digits or letters that are incorrect. LDV Express will only contact you through (416)-736-0969, (416)-736-3556 and (647)-882-0707 and ldvexpress@yahoo.com. Ensure it is the correct phone number or email before you respond. 

If a Customer is suspicious of any communications that claim to be LDV Express, please inform LDV Express immediately through phone or email and provide evidence, if available. 

For more information on protecting yourself from fraud and scams, visit: 

Protection from frauds and scams. 

Canadian Anti-Fraud Centre website. 

Privacy

LDV Express acknowledges its responsibility to maintain Customer information confidential. 

Personal information

Personal Information is necessary for the use of Service. The Customer will need to provide personal information which may include name, address, phone number, and occupation. The Customer will have to provide true, accurate, and current personal information. If inaccurate information is provided, LDV Express has the right to refuse, suspend, or terminate use of the Service. 

LDV Express may ask for personal information to create a Customer Account, identify a Customer or whenever LDV Express deems necessary. 

What personal information LDV Express collects

LDV Express may collect any of the following personal information:

  1. First and Last Name
  2. Address
  3. Telephone Number
  4. Email Address 
  5. Date of Birth
  6. Gender
  7. Government issued ID 
  8. Employment status including position and employer
  9. Financial Information including source of funds 

LDV Express may also collect personal information of the Recipient for the purpose of the Transaction. Requested Recipient information may include name, address, telephone number, banking information, relationship and purpose of the transaction. 

LDV Express may ask for additional personal information where LDV Express deems necessary.

How LDV Express collects personal information 

LDV Express will collect Customer personal information directly from you. You will provide your Personal Information by filling out a form in-person or filling out a form online through the Website or App. In some circumstances, personal information may be collected through email or on the phone. Fraudulent actors may attempt to contact you claiming to be LDV Express through a phone number or email that looks legit, but it will contain a few digits or letters that are incorrect. LDV Express will only contact you through (416)-736-0969, (416)-736-3556 and (647)-882-0707 and ldvexpress@yahoo.com. Ensure it is the correct phone number or email before you respond. 

Who has access to your personal information?

LDV Express employees have access to Customer and Recipient information, but mainly for use of identifying the Customer and to Dispatch a Transaction. LDV Express may also use Transaction History data to conduct business research on Customers to better understand how the Service may be improved. 

Government authorities, regulators and law enforcements may also access Customer personal information if required. 

How long LDV Express keeps your personal information 

LDV Express will keep personal information for the duration you remain a Customer. If you decide to no longer be a Customer LDV Express will keep your information for up to 5 years.

How to make changes to personal information

Customers can access their Personal Information in-person and online through the Website or App. If the information appears to be inaccurate or wrong the Customer must update their Account details on the Website, App, or contact an LDV Express Branch immediately. 

LDV Express has the right to refuse to give you access to your Personal Information at any point as it may conflict with our Terms and Conditions and/or Privacy Policy. We will contact you via in-person and/or email for our reasons of refusal. 

Customer rights regarding personal information

Customers have the right to: 

  1. You have the right to request to access and/or modify personal information you have provided us
  2. Modify personal information provided to LDV Express
  3. Request access to personal information provided to LDV Express 
  4. Remove personal information provided to LDV Express. Note, LDV Express reserves the right to refuse service if personal information is not provided as it is needed to fulfill the creation of an Account and process a Transaction.

Complaints

If a Customer has any complaints pertaining to the Service or suspects anyone is using the Service outside of what the Terms and Conditions capture, please contact LDV Express at:  info@ldvexpress.com.