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UponOurStar | wedding registries, bridal registries, cash gifts, wedding planning, money registry

UponOurStar Wedding Registry Privacy & Terms

Welcome to UponOurStar.com. The following terms and conditions ("Terms and Conditions") govern your use of www.uponourstar.com (“the Site”). Please read them carefully. By accessing, viewing, or using this Site or its content, material, services or any other offering available on or through this Site, you represent that you have read and understand these Terms and Conditions, and that you agree to them and intend to be legally bound by them. UponOurStar reserves the right to modify the Terms and Conditions, at any time and without prior notice to you.

Uponourstar.com is owned and operated by UponOurStar Inc. ("UponOurStar"). The terms, “we” or “us” or “our” refer to uponourstar.com and UponOurStar Inc. The term “you” refers to any Member, Guest, or person or entity that visits the Site or Webpages of its Members.

  1. Changes to the Site

    We reserve the right to discontinue, suspend access, or modify the Site and/or certain services provided on the Site, at any time and without prior notice to you. Uponourstar.com is in its BETA test phase as it has recently launched. During this phase, we will continue to monitor and correct issues that may arise. By using this Site, you acknowledge that the Site and Member Webpages may not be free of errors.

  2. Copyright, Trademarks and Proprietary Rights

    All content on the Site (except your content) including, but not limited to text, graphics, logos, articles, button icons, software, and images, is the property of UponOurStar or its content suppliers and protected by International and United States copyright laws. The compilation of all content on the Site is the property of UponOurStar. Reproduction, modification, distribution, performance or display, creation of derivative works based upon, or reproduction of the Site content in any way is strictly prohibited. You may not use this Site or any of its content for commercial purposes, without prior written agreement from UponOurStar. All logos, slogans, symbols and trademarks on the Site are the exclusive property of UponOurStar.

  3. Obligation for Usage and Security

    By registering as a Member of the Site, you acknowledge and accept a personal, non-assignable license to log into, access and place content on the Site. Some Services offered to you are free of charge, while others cost money or have other requirements. When you subscribe to such services, any such requirements and fees will be explained on the Site and agreed to by you.

    You are solely responsible for maintaining the confidentiality of your account and password(s) and for restricting access to your computer. You agree to be responsible and liable for all activities that occur under your account or password. You agree to (a) notify UponOurStar immediately if you suspect or become aware of any unauthorized use of your account or password, or other breach of security, (b) notify UponOurStar immediately if you lose your Member password or account identifiers, and (c) ensure that you exit from your account at the end of each session. UponOurStar cannot and will not be liable, directly or indirectly, for any loss or damage arising from your failure to comply with this Section of the Terms and Conditions.

    If using the Site as a Member, you are responsible for maintaining your selected level of security for your Wish Registry Webpage (“your Webpage”). You are fully responsible for all actions taken on or in connection with your Webpage by your Guests and/or visitors to your Webpage. You agree to notify UponOurStar immediately if you suspect or become aware of any unauthorized use of your Webpage, or other breach of security. UponOurStar cannot and will not be liable for any loss or damage from your failure to comply with this security obligation. You agree that under no circumstances will UponOurStar be liable, directly or indirectly, for any acts or omissions by a Member or Guest, including damages of any kind incurred as a result of such acts or omissions.

    In order to use the Site as a Member, you must complete all mandatory fields of the registration form, and provide your banking information to proceed with collecting your funds. In order to use the Site as a Guest, you must complete all mandatory fields of the payment and personal information forms. By using the Site as a Member and/or Guest, you agree to: (a) provide accurate, true, complete and current information about yourself as required by the Site’s registration, banking and payment information forms, and (b) maintain and promptly update such information about yourself to keep it true, accurate, current and complete. UponOurStar reserves the right to refuse service, suspend Site use, remove or edit content, or terminate accounts in our sole discretion.

    You agree to access the Site by no other means than through the interfaces provided by UponOurStar for use in accessing the Site.

    You acknowledge that the Site may include advertisements and that such advertisements are necessary for UponOurStar to make the Site possible. You agree that UponOurStar may send you email communications such as administrative messages, service announcements, and other notifications. You accept that such communications are considered part of your membership, and you may be able to opt out of some, but not all of them.

  4. Obligations for User Content and Conduct

    By using the Site as a Member or a Guest, you are responsible for any information including comments, notes, communications, messages, and other materials, that you directly or indirectly post, transmit or upload (“your Content”). By posting, uploading or providing information, you represent that you have the full legal right to do so, and that use of the Content provided by you will not:

    1. be illegal, or violate any law, statute, regulation, or intellectual property rights;

    2. be offensive, hateful, defamatory, threatening, racially or ethnically offensive or otherwise unfit;

    3. contain any advertising, spam, virus, program, worm, or similar matter that adversely interferes with the operation of the Website, or expropriate any system data or personal information; or

    4. result in breach of contract, product liability, tort, personal injury, death, or property damage. Recognizing the international nature of the World Wide Web, with respect to the above obligations (a), (b), (c), and (d), you agree to comply with local rules and laws in your country of residence, regarding online conduct, transmission of data and acceptable Content. You agree to hold harmless and indemnify UponOurStar for any liability arising from your Content.

    As a Member, Guest or visitor to the site, you or your agents/employees also agree not to:

    1. Reverse engineer, reverse assemble or otherwise attempt to derive source code from the Site or any component of the Site;

    2. Reproduce, copy, modify, sell, lease, aggregate, sublicense, market, or otherwise commercially exploit the Site or its components;

    3. Collect or store personal data about other users;

    4. Impersonate any person or entity, or otherwise misrepresent your affiliation with any person or entity;

    5. Access any information or Content that is not accessible to the public other than your personal account information;

    6. Modify or alter UponOurStar Site contents;

    7. Use the Site as a forwarding service to another website

    While UponOurStar does not review all Content on the Site, you acknowledge that we have the right to monitor any transmissions or activity. You hereby waive any expectation of privacy within your Wish Registry activity and/or your Webpage. This waiver does not include any personally identifiable information, as included in the Privacy Policy of the Site. UponOurStar reserves the right to refuse or remove any Content within the Site or on your Webpage, for any or no reason, in our sole discretion, and without notice. UponOurStar also does not control and thus does not guarantee the accuracy, integrity, or quality of the content posted or provided on the site by Members or Guests. You understand that you may be exposed to Content that is objectionable within Member Webpages, and you agree that UponOurStar will not be liable for any Content, including but not limited to, errors or omissions in Content.

    UponOurStar does not claim ownership of the Content you create and provide as a Member or Guest. Upon submitting Content to the Site or any Webpage within it, you grant UponOurStar a world-wide, royalty-free, perpetual, non-terminable, irrevocable, and transferable license to reproduce, modify, adapt, publish, distribute and sub-license the Content for the business, marketing and promotional purposes of UponOurStar, all without any compensation to you whatsoever. This provision does not apply to personal information that is subject to our Privacy Policy.

    UponOurStar is not obligated to, but may make copies of Site’s Content. You acknowledge that you are solely responsible for creating back-up copies for any Content you provide to the Site. If you terminate your registration, your Content will be deleted from the Site. However, we do not guarantee the removal of all traces of the Content, and you accept that copies or derivatives of the Content may still remain both on and outside of the Site.

    Due to the nature of the Internet, transmission and processing through the Site, its Webpages, or electronic mail, whether encrypted or otherwise, are not guaranteed to be secure. You acknowledge that use of the Internet is at your own risk, and that all relevant international, national, state and local laws and regulations apply. You agree that UponOurStar will not be responsible for loss resulting from failure of mechanical or electronic equipment or communication lines, telephone or interconnect problems, unauthorized access, computer viruses, operator errors, theft, severe weather, natural disasters, strikes or labor problems, wars, or governmental restrictions.

  5. Payment, Fees and Collecting Contributions

    Payment & Billing

    You can pay for a contribution to a registry via MasterCard, Visa or American Express. If you choose to pay by American Express, you agree to pay an additional 1.0% on the total Gift Amount to cover higher credit card processing fees charged by the American Express company. Payment will be made in either US Dollars or Canadian Dollars, which will be automatically selected based on your indicated country of residence.

    As a Guest, you acknowledge that the bride and groom determine the price of their individual Wishes. UponOurStar is not responsible for the difference between the actual price and the price represented by the Bride and the Groom of any wish.


    There is no charge to Members to create a registry Webpage. Fees apply only if guests contribute towards the registry, and are in place to cover all transactional, processing and account servicing costs. These fees are divided into two portions to minimize the cost to Members.

    1. Members will have a 2.5% transaction fee (on the total gift amount) plus a $15 fixed fee deducted from their final Wish Registry funds. This 2.5% fee is in place to cover the costs charged by Credit Card companies and Merchant Gateways in order to process Guest credit card payments and to provide a secure payment gateway. The fixed $15 fee is in place to cover the cost of setting up a secure wire transfer of the Registry Funds into the Members bank account.

    2. Guests will be charged a 6% transaction fee in addition to their cash gift to the Member. This fee is in place to cover Website and Webpage operating and hosting expenses; management of the Member account, webpage and website; customer service; and other business and marketing operating expenses. This fee is usually less than what the Guest would have paid in tax, shipping and wrapping on a traditional registry item.

    Your Account & Collecting Your Money

    As a Member, you will be able to collect your cash gift contributions, less fees, once your wedding date has passed. Until your wedding date has passed and you request to withdraw your funds, proceeds from Guest contributions towards a Member’s Registry will be deposited in a non-interest earning UponOurStar account at HSBC Bank. You acknowledge and agree that UponOurStar will manage the funds in the UponOurStar account, including transfers to and from other UponOurStar accounts. Once you have created your registry account and provided your wedding date, you may not and will not be able to change it to an earlier date. To collect your Wish Registry cash gifts, you must log into your account and provide accurate information for all required fields within the Banking Information form, and also select a withdrawal date for your cash funds. Your payment will be made to you in no more than one lump deposit via wire transfer to your personal bank account. You acknowledge that in order to collect the cash funds from your Wish Registry, you must have a personal bank account into which the funds can be deposited. You understand and accept that bank deposits are the only method through which UponOurStar will send moneys, for reasons of security and traceability. Following your designated withdrawal date, we will initiate a wire transfer within 5 business days, which may take up to another 5 business days to be received in your bank account. UponOurStar does not guarantee when the funds will be received. If you do not receive your total cash funds, less fees, within 14 business days of your withdrawal date, you must contact us immediately to resolve the issue.

    You are responsible for providing accurate and complete banking and personal information. If you provide incorrect or incomplete information for the wire transfer of funds, and additional fees are charged by either of the sending or receiving banks as a result of the information, a dollar amount equal to the additional fees will be withheld from your final cash funds. As a Member, you must also notify UponOurStar immediately if you perceive any discrepancy in the account statement available on the MONITOR section of the Website.

    We are not obligated to, but may contact Guests whose contributions exceed $500, to check for credit card fraud. Such funds may be subject to escrow until the Guests has provided confirmation of their contribution. In the case that a Guest disputes or fails to resolve a credit card matter in relation to his/her gift to a Member, for which we already remitted payment to the Member, UponOurStar reserves the right to collect the amount in question from the Member’s account or from the Member, personally, including keeping in escrow a dollar amount equivalent to the amount in question until the matter is resolved.

    UponOurStar does not make any claims or promises with respect to tax obligations or consequences that may result from your use of this Site and Registry. You acknowledge that we are not obligated to provide you with documentation or maintain records of your transactions for tax purposes.

  6. Third Party Sites, Resources and Links

    UponOurStar may provide links to other websites or resources. You acknowledge that we are not responsible for examining or evaluating, and we do not endorse the offerings of, any of these businesses or individuals or the content of their Web sites. We shall not be responsible or liable for the actions, product, and content of such Websites, resources and other third parties. We also suggest that you read the privacy policies of such third party sites and resources, as UponOurStar’s privacy policy applies solely to information and content on this Site.

  7. Indemnity

    You agree to hold harmless and indemnify UponOurStar and its officers, directors, agents, suppliers, employees and partners, from any third party claims, demands, damages, liability or costs, including reasonable attorneys' fees, arising as a result of your Content, your use of the Site, your Guests’ activities, your connection to the Site, activities carried out by an individual using your login or password, your violation of the Terms and Conditions, or your violation of any rights of another, whether you are a registered user or not. You are solely responsible for your actions when using the Site and its services, including, but not limited to, costs incurred for Internet access.

  8. Disclaimer of warranties and limitation of liability

    Uponourstar.com and all information, materials, content and software made available to you through this Site are provided by UponOurStar on an “AS IS”, “WITHOUT ANY WARRANTIES”, and “WITHOUT ANY LIABILITY” basis. The parties to these Terms and Conditions acknowledge and agree that this limitation on liability is reasonable in the circumstances. UponOurStar and its officers, directors, suppliers and agents, make no representations or warranties of any kind, express or implied, as to the operation of this Site or the information, materials, content, software or services made available to you through this Site. UponOurStar does not guarantee the accuracy, timeliness, completeness or the quality of the site, services or information provided on or through the Site or its services. You acknowledge that the Site and its services may not be free of errors, and that the site will not operate without interruptions. You expressly agree that your use of this site is at your sole risk.

    To the full extent permissible by applicable law, UponOurStar disclaims all warranties, express or implied, including, but not limited to: implied warranties or conditions of merchantability and fitness for a particular purpose; warranties against infringement of any third party intellectual property or proprietary rights; warranties relating to delays, interruptions, errors or omissions in the website or any part thereof; warranties relating to the transmission or delivery of the website, and warranties relating to the accuracy or correctness of data on the website. UponOurStar disclaims the aforementioned warranties, without limitation, whether arising from usage, trade practice, or a course of dealing. UponOurStar does not warrant that this Site or its information, materials, Content, software, servers, or emails sent from UponOurStar are free of viruses or harmful components. You agree that UponOurStar shall not be held liable for any direct, indirect, incidental, special, exemplary, extra-contractual, punitive or consequential damages arising out of or in relation to the use or misuse of the Site or the services made available to you through the Site, including without limitation: loss of data, loss of profits, interruption to business, loss of goodwill or reputation, failure to achieve projected savings, or other pecuniary loss, whether in an action of contract, civil liability, negligence, or other tortius action, even if UponOurStar, its agents, suppliers, or any other party has been advised of the possibility of such damages and such damages were deemed reasonably foreseeable.

    You agree that if your event is cancelled, you will hold harmless and indemnify UponOurStar from any claim by your Guests for a return of their gift contribution. You acknowledge that UponOurStar can not be held responsible or liable for persons who are not invited to your event, yet contribute to your registry. You also agree to provide any cash received towards a charitable donation to the designated charity, and you shall hold harmless and indemnify UponOurStar for any claim or controversy raised by Guests or other parties, that you did not use their cash contributions towards purchase of the stated item(s) or charity(ies).

    Your sole remedy, if you are not satisfied with the Terms and Conditions of the Site, is to discontinue use of the Site. You agree that if any part of this Limitation of Liability is deemed unenforceable or invalid, that under no circumstances shall the aggregate of UponOurStar’s liability exceed the fees paid by you to use the Site’s services or, in the case that you have not paid any such fees, $500.00 CDN.

  9. Jurisdiction

    By visiting uponourstar.com, you agree that the laws of Ontario and Canada, without regard to principles of conflict of laws, will govern these Terms and Conditions and any dispute of any sort that might arise between you and UponOurStar, as if these Terms and Conditions were a contract entered into and performed in Toronto, Ontario, Canada. Any dispute or claim relating to these Terms and Conditions or the use of the Website will be subject to the exclusive jurisdiction of the courts within the Province of Ontario, Canada, and the parties hereby consent to the exclusive jurisdiction and venue of such courts.

    This Terms and Conditions document constitutes the full agreement between a Member, Guest, or visitor of the Site and UponOurStar, with respect to uponourstar.com and its services. These Terms and Conditions supersede all prior and simultaneous communications, whether electronic, written or oral, between the Member, Guest or visitor, and UponOurStar. You acknowledge and agree that regardless of any law or statute to the contrary, any claim or cause of action related to the Site, its services, or Terms and Conditions, must be filed within one (1) year of such claim or cause of action arising, or be forever barred. Legal notices and communications may be made through email or regular mail. A printed copy of the Terms and Conditions and any notice provided in electronic format shall be admissible in proceedings, whether judicial or administrative, relating to this agreement. If any rights are not expressly granted within this document, they are reserved by UponOurStar. Should any provision of these Terms and Conditions or incorporated documents be found by a court of competent jurisdiction to be invalid, the parties agree that the court should attempt to give effect to the parties' intentions as reflected in the provision in question, and that all remaining provisions will remain in full force and effect. UponOurStar reserves the right to seek injunctive or other equitable relief, payment or enforcement of an award before any court having jurisdiction over an issue that may arise between you and UponOurStar. Please note that the section titles in the TOS are for convenience only and have no legal or contractual effect.

    Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. In such cases and jurisdictions, UponOurStar, its agents and suppliers’ liability shall be limited to the extent permitted by law.

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  10. Privacy Policy

    UponOurStar is committed to protecting the confidentiality and privacy of our Members’ and Guests’ personal information. Our commitment to ensuring your privacy is outlined in our Privacy Policy that follows. This Privacy Policy covers how UponOurStar treats personal information that it receives or collects. “Personal information” is any information about you that personally identifies you, such as your name, email address, phone number or home address, and that is otherwise not publicly available. We do not consider any of your Content that you post to the Site to fall within the definition of “personal information”, and as such, it is not covered by this privacy policy. By using the site, you acknowledge and agree to the collection and use of your Personal Information as outlined in this Policy. You will find any changes to the policy in this section of this page, with the changes being effective from the date that they are posted. If you disagree with the terms of the Privacy Policy, you may not use this Site and should exit immediately. This policy does not include the content or practices of other websites or businesses to which this Site is linked.

    The Collection, Use and Disclosure of your Personal Information

    UponOurStar may collect personal information, including but not limited to, your name, email address, billing address, phone number, credit card information, and bank information, when you register as a Member or make a purchase as a Guest. We may also collect information about your wedding, including the wedding date, the names and email addresses of your Guests, and information regarding your gift registry. The information that we collect from you is used to create your Member account, to provide or improve services, to identify and authenticate you, or to process payments on the Site. UponOurStar does not sell or license your Personal Information to third parties. Other than aggregated anonymous data, the Personal Information that you provide to us is used and viewed only by UponOurStar.

    Contact information that you provide may be used to communicate information with you that relates to the Site and its services. Depending on your selected privacy settings, such information may include, but is not limited to, your account information, notifications regarding your account, emails with news relating to the Site, or email newsletters. By posting any Content on your registry Webpage or another member’s Webpage, you consent to the publication of that personal information. You also acknowledge that you must seek out the appropriate consent of any other individuals, whose personal information you choose to publish, as dictated by privacy laws, prior to posting such information.

    UponOurStar may, from time to time, collect and use Personal Information for other purposes, in which situations the purpose will be identified to you at the time that the information is being collected.

    UponOurStar may disclose Personal Information to the following parties: (a) Contractors, suppliers and third party service providers who are hired by UponOurStar to conduct work for the Site and its services; (b) Legal, financial and other related advisors for the purpose of managing, reorganizing or selling any or all parts of the business; (c) Fraud investigation or Law enforcement agencies; or (d) any other third parties, if the purpose is identified and approved by you at the time of collecting the information.

    Your Email Address

    To help manage your Wedding registry, UponOurStar will send you email notifications and reminders so that you are up to date on the status of your contributions as well as actions that need to be taken to maximize Guest contributions. We may send other news or updates about your registry or the Site that we think may be of interest to you, with an option to opt out at any time by selecting “unsubscribe” at the bottom of any such email.


    A cookie is a small amount of data, which often includes an anonymous unique identifier that is stored on your computer. The use of cookies allows us to customize the Site on an individual basis, and to thus improve the Site experience for the user. Cookies do not link to personally identifiable information while using the Site. UponOurStar uses Cookies for the following reasons: (a) to identify you correctly; (b) to keep track of preferences that you specify in using the Site including your username and password; (c) to collect information to improve the services provided on the site; (d) to diagnose problems with the systems; and, (e) to estimate total audience size and traffic.

    Log Files and IP Addresses

    Your IP address is not linked to any personally identifiable information. UponOurStar uses IP addresses in order to administer the Site, understand and analyze general user trends and movement, and to gather aggregated demographic information.


    UponOurStar implements appropriate security measures and tools given the sensitivity and importance of the information transmitted through the Site. By doing so, we endeavour to protect against the loss, alteration and misuse of your important Personal Information. Due to the nature of the Internet, and regardless of the rigorous security measures, there is always a risk that such transmitted information may be intercepted by unauthorized outside parties.


    While most email notifications and reminders are automatically generated and fixed aspects of your account membership, you may opt out of receiving some types of communication from UponOurStar. If you no longer wish to receive such email communications, send an email to info@uponourstar.com with “Unsubscribe” in the subject line.

    Search Engines

    As with all websites, UponOurStar is scanned and indexed by search engines. All sensitive Personal Information such as your banking information, credit card numbers, billing address, and contact information will not be scanned or displayed by any search engine. However, if you do not want your names to appear in any search engine, you should not include your full names on your Registry webpage. You may instead, choose to display partial names, nicknames, or initials in substitution of first of last names.

  11. Termination and Suspension

    You agree that UponOurStar, in its sole discretion, may terminate your account and/or password, and remove any Content from your account or Registry Webpage, for any reason, including the lack of use for more than 12 months, or if UponOurStar believes that you have not acted consistently with the spirit of the Terms and Conditions. UponOurStar may in its sole discretion and without notice to you, discontinue the Site or any portion of it, terminate your account, terminate or suspend your access, or deactivate your Registry Webpage, under any provision of the Terms and Conditions. .

    You acknowledge that if your account is terminated or suspended, any contributions that will have been accumulated will be held in your account until your wedding date has passed, and will be made available to you at that time. If your account is terminated for reasons of non-compliance with the Terms and Conditions, UponOurStar is not obliged to save any Content or information from your account or Registry other than the total funds collected, and shall not be liable for the loss of such Content and information. If UponOurStar is unable to identify or locate a Member entitled to receive moneys accumulated within a Registry, the moneys will be considered unclaimed money and treated as such according to appropriate laws.

  12. Use and Storage of Data

    UponOurStar may set limits on the use and storage of data on the Site. Such limits may include, but are not limited to, the length of time that Member Content may remain on the Site, and minimum or maximum levels of activity. You acknowledge that UponOurStar may terminate, without notice, an account that has remained inactive for extended time periods; and you accept that the Site will not be held liable for the removal or deletion of Content from the Site or its Webpages. Our policies and practices with respect to the use and storage of data may change at any time and without notice to you.

  13. Cancelled or Postponed Events

    In the case that your Wedding is postponed or cancelled, you are obligated to notify UponOurStar immediately by contacting us via email. You are solely responsible for updating your Registry Webpage information such that it is accurate and current.

    1. If your wedding is postponed, UponOurStar will update, upon notification, your Registry Webpage with the revised date. Your account and Registry will continue to operate as it had prior to the postponement, and you will be able to collect your total cash funds after the revised wedding date has passed.

    2. If your wedding is cancelled, and some guests have contributed to your Registry, the collected funds will be made available to you after the originally planned wedding date has passed. It is your sole responsibility to address any requests for refunds by your Guests. You agree to hold harmless and indemnify UponOurStar from any claims by your Guests for any failure to refund their contributions.

  14. Age Restrictions

    The Site and Site materials may only be accessed by individuals 18 years of age or older, or by individuals between the ages of 13 and 18, with their parent’s consent to be bound by these Terms and Conditions.

  15. Additional Terms for registries based in Australia and the United Kingdom

    Members who create registries and indicate that they are located in Australia or the United Kingdom, agree to the following additional terms of service. These do not exempt such members from all other existing Terms and Conditions.

    Creating a registry

    All items in your registry will be shown in either Australian Dollars (AUD) or Pounds Sterling (GBP), based on your selected home country.

    Guest Purchases

    Your guests will be shown all items in your registry in your selected home currency of either AUD or GBP. The subtotal amount will be calculated in your home currency. However, the final total amount will be charged to guests in United States Dollars (USD), which will be determined based on the day's foreign exchange rate. No additional foreign exchange conversion fees will be charged to you or your guests.

    Collection of Funds

    Until your wedding date has passed and you request to withdraw your funds, proceeds from Guest contributions towards a Member's Registry will be deposited in a non-interest earning United States Dollar denominated UponOurStar account at HSBC Bank. Following your designated withdrawal date, we will initiate a wire transfer within 5 business days, which may take up to another 5 business days to be received in your bank account. Your payment will be made to you in USD, which will be converted to your home currency at the time of receipt by your receiving bank. UponOurStar does not guarantee the exact date on which the funds will be received, nor does UponOurStar determine or guarantee the exchange rate and/or additional fees that your receiving bank may apply to the conversion of funds to your home currency.

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