1.1 As used in these Conditions, the terms: “Authorised Person” means a person who is empowered by a Sender to act on behalf of that Sender; “Business Day” means any day which is not a Saturday, Sunday or public holiday in England and Wales; “Conditions” means the terms and conditions as described in this document; ”Payment Order” means the instruction to transfer funds sent via paper and/or electronic means; “Prohibited Purpose” means any unlawful purpose; the purpose of making or receiving payment for gambling services, gambling chips or gambling credits; or the purpose of sending a payment to yourself as the Receiver; "Pay-out Partner"; means the third-party payment provider we use to pay cash to Receivers outside the UK “Receiver” means the person identified as the beneficiary of a money transfer; “Regulations” means the Payment Services Regulations 2017 (SI 2017/752), as amended or replaced from time to time; 0“Sender” means the person who initiates the carrying out of a money transfer by using the Service; “Service” means any or all of the money transmission and currency exchange services which are made available by us; “Site” means the website www.forexmoneytransfer.com, which is owned and operated by us and provides information about the Service and, where we make this available, a means of using the Service online; “Transaction” means each money transfer or currency order that you initiate under, and each other use that you make of, the Service; “Value Date” means the date on which a Transaction actually takes place; “we”, “our” or “us” means Forex Money Transfer Limited, which is a company incorporated under the laws of England and Wales under company number 09717775, whose head office and registered office is at Unit 2 218-220 High Street Slough Sl1 1JS; “you” or “your” means any person who uses the Site or the Service. 1.2 All references in these Conditions (unless otherwise stated): (a) to a person or persons, shall include any natural person, company, firm, partnership, trust, public body or other organisation; (b) to “clauses” are to clauses of these Conditions; (c) to any legislation (including statutes, statutory instruments, statutory provisions or regulations) shall include them as amended or re-enacted from time to time; and (d) made in the singular shall include the plural and vice versa. 1.3 Condition headings do not affect the interpretation of these Conditions.
2.1 These Conditions shall exclusively govern any contract between you and us which is made:
(a) at a distance by telephone or via the Site; and
(b) on our premises, at our offices.
2.2 By making any use of the Service, you warrant that you are legally capable of entering into a binding contract, that you are aged 18 years or over, and that you are an individual using the Service for personal purposes and not for the purposes of a business, trade or profession.
2.3 When you instruct us to execute a Transaction and we execute or agree to execute that Transaction, a contract between you and us shall arise. The contract between you and us shall be governed by these Conditions, to the exclusion of all other terms and conditions.
2.4 Our agreement with you is that we will take reasonable care to provide the Service. As such, we agree to provide you with the money transmission services and currency exchange services and the related information facilities made available from time to time by us.
2.5 These Conditions shall govern all future Transactions with us in any manner described in clause 2.1 until they are changed in accordance with clause 3.9.
3.1 Before agreeing to undertake a Transaction we will provide you with a Payment Order which, together with these Conditions, will set out the information which we are obliged to provide to you, as follows:
(a) the information the Sender needs to provide in order for the Transaction to be executed;
(b) details of our company name and registered office address and, if the Service is being provided from a branch or agent, the address and contact details of that branch or agent;
(c) the maximum total fee that the Sender will be charged by us, together with a breakdown where applicable. If we believe that the Receiver may also have to pay a fee, then we will inform you;
(d) an indication of the exchange rate that we will apply to your Transaction;
(e) information regarding the location from which the Receiver should collect the money and what the Receiver has to do, if the money is to be made available in cash; and
(f) an indication of the maximum time that it will take for the Transaction to be completed – i.e. the time at which the funds will be available to the Receiver.
3.2 In relation to any money transfer that we have agreed to perform for you:
(a) 3.2 We treat a Payment Order as received when (a) we hold your instruction, (b) we have received your payment, which means cash handed to us at our premises or, where you pay by bank transfer, cleared funds in our bank account, and (c) we have completed our checks under clause 7C. If this happens outside our opening hours or on a day that is not a Business Day, we treat it as received on the next Business Day. We will then make reasonable efforts to make the funds available to the Receiver within the time we told you under clause 3.1(f).
3.3 We are not obliged to start or carry out a money transfer or other Transaction if:
(a) we cannot obtain satisfactory evidence of your identity or the other information we need under clauses 3.10 and 4.3;
(b) we reasonably believe your instructions are incorrect, unauthorised or forged;
(c) you give us incorrect or incomplete information; or
(d) carrying it out would breach any law, sanctions requirement or regulatory requirement..
If we refuse a Transaction, we will tell you where practicable and, unless we are legally prevented from doing so, explain why. Subject to clause 7C, we will refund any money you have paid us for it. We are not liable for loss caused by a refusal made in accordance with this clause. This clause does not limit your rights under the Regulations for Transactions we have accepted.3.4 We are not responsible for:
(a) the goods or services you pay for using the Service;
(b) any losses or delays in transmission of messages arising out of the use of any Internet access service provider or caused by any browser or other software which is not under our control;
(c) viruses caused by third parties;
(d) any interception of a message before it reaches us;
(e) any unauthorised use of or access to data relating to you or your Transactions which is held by us (unless such use or access is caused by our negligence, fraud or failure to comply with laws relating to the protection of your data).
(f) This clause does not limit any liability we have under the Regulations, including for unauthorised, late or incorrectly executed Transactions (see clause 7A), or any liability that cannot lawfully be excluded.3.5 Upon completion of a Transaction we will provide you with the following in writing:
(a) a transaction reference number that is unique to your payment;
(b) confirmation of the exact amount sent to the Receiver on your behalf:
(i) in the currency in which the money was sent; and
(ii) in the currency in which the Receiver will receive the money;
(c) the charges or fees that you have paid to us for the Service;
(d) the exchange rate applied to your Transaction;
(e) information on where the Receiver can collect the money from our pay-out partner for cash collection;
(f) as determined by us, an estimate or an exact time of when the money will be available for the Receiver to collect; and
(g) in the case of cash collections, what the Receiver must do to collect the money.
3.6 To authorise payment to a Receiver, the Receiver must provide us or our pay-out agent with the following information:
(a) photographic identification (such as a passport or identity card);
(b) the exact amount of the principal amount of the Transaction; and
(c) the transaction reference number referred to in clause 3.5 (a) above.
It is your responsibility to inform the Receiver of the information he/she will need to provide to collect the money.
3.7 We may refuse to provide the Service (in whole or in part) to you if to do so may breach any applicable law, order of a court or requirement of any regulatory or governmental authority, body or agency having jurisdiction over us, or if we otherwise consider such action necessary to protect our interests. However, if we refuse to provide the Service (in whole or in part) for any of these reasons, we will wherever practicable notify you that we have done so and, unless we are prevented from doing so for some legal reason, we will explain why we have done so.
3.8 We may suspend the Service in whole or in part if circumstances outside our reasonable control, or a legal or regulatory requirement, make this necessary. We will take reasonable care to keep any interruption as short as possible. We are not liable for loss caused by an interruption that is outside our reasonable control. This does not exclude liability for our negligence, fraud or wilful misconduct, or any liability that cannot lawfully be excluded.
3.9 We may change these Conditions or the Service. (a) We will give you at least two months' notice of any change, by email or post to the last address we hold for you. (b) You may end the contract free of charge at any time before the change takes effect. If you do not tell us you object before then, we will treat you as having accepted the change. (c) Changes to exchange rates take effect immediately and without notice where they follow changes in the reference exchange rate. We may also make a change immediately where the law or a regulator requires it. (d) This clause does not affect our right to refuse a Transaction under clause 3.7.
3.10 Applicable law prohibits money transmitters from doing business with certain individuals and countries; we are required to screen all Transactions against lists of names provided by the governments of the countries and territories in which we do business. If a potential match is identified, we research the Transaction to determine if the name matched is the individual on the relevant list. This is a legal requirement for all Transactions processed by us. In addition, we reserve the right to verify any customer’s identity and proof of address via an independent source. We also reserve the right to request further documentation to verify the source of any customer’s funds and the reason for any Transaction.
3.11 Before you confirm a Transaction we will tell you our fee, the exchange rate we will apply and the time by which the money is expected to be available to the Receiver. If you pay in cash at our premises, the rate we tell you applies when we accept your payment. If you pay by bank transfer, the rate we tell you applies only for the period we specify. If cleared funds reach us after that period, or the amount differs from your Payment Order, we may apply the rate in force when we receive them, or refuse the Transaction and return the funds (subject to clause 7C). Our rates may differ from one Transaction to another. 3.12 You must send money to a named individual. We may accept payment from an account or a person other than the Sender only if the Sender confirms it to us and we have completed our checks under clause 7C. We may refuse any payment where we are not satisfied, and we do not carry out transfers where the Sender and the Receiver are the same person.4.1 You agree to pay our charges for each money transfer or other Transaction which you initiate or request under the Service. You must register with us and in order to complete your registration, you must provide us with all the details we require from you, including details relating to your identity and proof of address and any other information we may require from you to enable us to complete our anti-money laundering procedures.
4.2 You acknowledge and agree that:
(a) when you register with us, you will provide us with true, accurate, current and complete information;
(b) you will maintain and promptly update such information to keep it true, accurate, current and complete;
(c) you will not use the Service for or in connection with any Prohibited Purpose;
(d) you will not initiate a money transfer or other Transaction under the Service in breach of these Conditions or any other restriction or requirement of use described on the Site; and
(e) you are responsible for the keeping your security details safe in accordance with clause 7 below.
4.3 You must promptly supply us with all information and documentation which we may ask you for at any time to enable us to comply with any legal requirements incumbent on us, including as required by the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017.
4.4 You may request an Authorised Person to provide us with instructions on your behalf. In these circumstances, we will treat the instructions of the Authorised Person as if they came from you and any instructions provided by any Authorised Person shall not relieve you of any of your obligations under these Conditions.
4.5 You are responsible for the completeness and accuracy of all information you provide to us at any time, including any in your request and your nominated account details. You must always provide us with instructions, and make sure any Authorised Person provides us with instructions, in the English language.
4.6 You acknowledge and agree that information about you and the services we provide to you must be kept in our database for at least five years and may be provided by us from time to time to regulatory or governmental authorities, bodies or agencies where we are required by law to do so.
4.7 You acknowledge that all currency converted under the Service is converted at our applicable rate of exchange.
4.8 You acknowledge that transfers to certain destinations may be subject to delay or to restrictions imposed under the laws of the country to which the money is transferred.
4.9 You will be liable to us for all losses which we suffer or incur relating to any fraud or fraudulent activity by you at any time.
5.1 You have a contractual right to cancel any money transfer order sent to us, subject to the terms of this clause 5. This right of cancellation continues until the expiry of fourteen days beginning on the day after you sent your money transfer order to us. You may cancel your order with us by:
(a) telephoning us on 01753 528565
(b) writing to us at:
Forex Money Transfer Limited
Unit 2 218-220 High Street Slough Sl1 1JS
(c) e-mailing us at
5.2 If you exercise your right to cancel under clause 5.1, we will reimburse you the principal amount of a money transfer and the transfer fee, save that we will not reimburse you if we have paid the money transfer to the Receiver before we receive your notice of cancellation.
5.3 Your cancellation right in clause 5.1 is in addition to the following rights:
(a) We will refund the principal amount and the transfer fee on your written request by letter or email if we decline the Transaction, or if you want to make a change and we need the Transaction cancelled first.
(b) We will refund the principal amount on your written request by letter or email if the Receiver rejects the transfer, if payment to the Receiver has not been made within 45 days, or if you cancel before payment has been made to the Receiver.
(c) If a transfer has not been collected within 12 months of the send date, we may, where the law permits, deduct a reasonable administrative charge of £25 before refunding the balance. This charge reflects our actual costs of handling an uncollected transfer.
6.1 You may purchase from or sell to us foreign currency (“Travel Money”) only for holiday or business travel and not for speculative, investment or any other purposes.
6.2 You must not order Travel Money other than for legitimate purposes which comply with all applicable laws, rules and regulations. By placing a currency order, you are confirming to us that you are not ordering Travel Money for illegal purposes.
6.3 By placing a currency order you confirm that you are acting on your own behalf as an individual (or through an Authorised Person under clause 4.4) and not for the purposes of a business, trade or profession. You also confirm that you will give us any information we reasonably require (before or after your order is placed), that all information you give us is true and accurate to the best of your knowledge, and that you will not withhold any material information from us.
6.4 All customers can purchase Travel Money online, over the telephone or on our premises.
6.5 If you place a currency order online through the Site:
(a) you need to follow the instructions on the ordering screen. You are able to correct errors on your order up to the point at which you click “Buy Now” on the payment details screen;
(b) the exchange rate that will be applied to your order will be shown on the online ordering screen. The exchange rates we offer for online orders may be different to the exchange rates we offer for orders requested via telephone or on our premises;
(c) you may purchase Travel Money from us only in the currencies listed from time to time on the online ordering screen. There are limitations on the denominations of the Travel Money that we supply and we will quote for the nearest available amount to your request;
(d) when your order is accepted, the system will display a confirmation screen setting out the details of your order. Please note the order confirmation number and bring this with you when collecting your order from us; and
(e) we may refuse an order for any reason.
6.6 If you place an order on our premises or over the telephone:
(a) orders must have a minimum value of £ 10. There is no maximum value. The minimum order value excludes any commission or other associated fees or charges payable;
(b) we will tell you the exchange rate that will be applied to your order before it is completed. The exchange rates we offer on our premises or over the telephone may differ from each other;
(c) you may purchase Travel Money from us only in the currencies that we provide and have available at the time of your purchase. If we do not have the currency requested in stock, we can order from our wholesaler for next working day delivery;
(d) there are limitations on the denominations of the Travel Money that we supply and we will quote for the nearest available amount to your request. Please note that we cannot guarantee that we will be able to supply you with the denominations of notes requested; and
(e) when your order is accepted you will be provided with an order confirmation number. Please note the order confirmation number and bring this with you when collecting your order from us.
6.7 You will be told of all charges payable to us before you confirm your order. They will also be shown on your order confirmation.
6.8 Orders must be paid for using one of the following debit cards All major DEBIT CARDS. You may also pay by BACS (from your account to our account). Our bank details can be provided when placing an order. Orders placed on our premises can also be paid for in cash, card or online. Payment will be accepted only in GBP Sterling. We do not accept cash to be deposited into our account. If you deposit cash, we can only refund it into a bank account in your name and there will be a 1% charge of the deposited amount for doing so.
6.9 When collecting your order from us, you will need to provide the following items:
(a) your order confirmation number; and
(b) valid photo identification (for example, a passport or UK driving licence.
6.10 If you have placed an order online, you must bring the debit or credit card that you used to pay for your order.
6.11 If you fail to collect your order from us (we will hold your Travel Money for a maximum of 2 weeks), we will issue you with a refund.
6.12 However, the value of the Travel Money refunded will be calculated at the “Buy-back” exchange rate applicable when we process the refund not the “sell rate” used at the date of your order. Please note that this rate can work to your advantage or to your disadvantage.
6.13 Please note that any credit card handling charge will not be refunded if you fail to collect your order from us.
6.14 Once we have accepted your order you cannot amend or cancel it. One of the reasons for this is that the price of Travel Money is dependent on changes in the financial market, which are outside our control.
6.15 It is your responsibility to check what, if any, currency restrictions apply in your particular circumstances. We may advise you of currency restrictions that apply in certain countries, but we accept no responsibility for the accuracy of this information or for any losses incurred by you if you act in reliance on such information. It is your responsibility to check what, if any, currency restrictions apply in your particular circumstances.
6.16 Our liability in relation to currency exchange is set out in clause 9..
6.17 You acknowledge that clause 3.4 (b)-(g) and clauses 3.7-3.9 above shall apply without limitation to all currency exchange services made available by us.
6.18 You acknowledge that all credit and debit card holders are subject to validation checks and authorisation by the card issuer. If the issuer of your payment card refuses to authorise payment your currency order will not be accepted.
6.19 You acknowledge that we may make and retain copies of passports, driving licences or other identification evidence that you provide.
You must keep your transaction reference number, receipts and any identification documents safe, and share transaction details only with the Receiver. If we provide online accounts in future, you must also keep your login details secure. You must tell us immediately by calling +44 1753 373132 or emailing operations@forexmoneytransfer.com if you know or suspect that any of these are lost, stolen, misused or used without your permission. Once you tell us, we will take immediate steps to prevent further use. Your liability for unauthorised Transactions is set out in clause 7A.
7A.1 Tell us without undue delay, and no later than 13 months after the date the money was taken from you or paid to us, if you believe a Transaction was not authorised by you or was carried out incorrectly. Call +44 1753 373132 or email operations@forexmoneytransfer.com. 7A.2 If a Transaction was not authorised by you, we will refund it as soon as practicable and in any event by the end of the next Business Day after we learn of it, unless we have reasonable grounds to suspect you acted fraudulently, in which case we will report this to the appropriate authorities. 7A.3 You will not be liable for an unauthorised Transaction unless you acted fraudulently, or intentionally or with gross negligence failed to keep your security details safe. Where the Regulations allow, you may be liable for up to £35 of losses arising from an unauthorised Transaction caused by the use of a lost or stolen payment instrument or by misappropriation. 7A.4 If the details you gave us were wrong (for example the Receiver's name), we are not liable for the Transaction not being carried out or being carried out incorrectly. We will make reasonable efforts to recover the money and tell you the outcome. 7A.5 If we fail to carry out a Transaction, or carry it out late or incorrectly, because of our fault, we will refund the principal amount and fees without undue delay, together with any charges or interest you incurred as a direct result. On request we will immediately try to trace the Transaction and tell you the outcome. 7A.6 To the extent the Regulations apply only to the UK part of a payment, this clause applies to that part. 7B. Screening and checks 7B.1 We screen every Transaction, and the people involved in it (including the Sender and the Receiver), against UK, UN and other applicable sanctions lists. We also carry out identity, fraud and anti-money-laundering checks. 7C.2 We do not release funds for transfer or start a remittance until these checks are complete and we are satisfied with the result. We may take as long as is reasonably necessary to complete them. A delay while checks are carried out is not a breach of these Conditions, and we are not liable for loss caused by it. 7B.3 If a Transaction clears our checks, we will process it in accordance with these Conditions. 7B.4 If a Transaction does not clear our checks, or we cannot complete them (for example because you do not give us information we ask for within a reasonable time), we will not carry out the remittance. Unless the law prevents us, we will return the money we received to you in the same way we received it (cash at our premises, or by bank transfer to the account it came from), less any reasonable bank charges or third-party costs we incurred, where the law allows. 7B.5 In some cases the law, a court, a regulator or a law enforcement body may require us to hold, freeze or not return funds, or to report a Transaction. Where that applies, we may keep the funds for as long as is required, we may take these steps without telling you, and we are not liable for loss caused by acting in good faith to comply. 7B.6 We may ask you for the purpose of a transfer, the source of the funds, and your relationship with the Receiver. We may refuse a Transaction if we do not receive satisfactory answers.8.1 With alignment to our Privacy Policy your personal information is processed under applicable law and controlled by Forex Money Transfer Limited. This clause 8 and other pertinent provisions of these Conditions (see esp. clause 4.6 and clauses 6.18-19) set out the circumstances in which we may make use of your personal information. We use personal information you provide to us when using the Service or the Site, as well as other information that is collected or generated during our relationship with you. This includes information from other services like money transfers, previous use of our services history, and marketing choices. This information is used to provide you with the services you have asked for and for activities such as administration, customer service, anti-money laundering, compliance and legal duties, to validate your details, to help us understand our consumers by doing analysis and research of the information we hold, to help prevent and detect fraud, debt and theft, to help us improve our products, services and operations, and, subject to your choices, to send you commercial communications by email, telephone, post, SMS and by any other relevant channel.
8.2 We may also use, collect from and share with other businesses that work with us, information from other products and services for which you have registered. This information may be used for any of these purposes in this section. We will hold and retain the information that you give us about another person including the details of the Receiver in order to execute the transaction. Prior to providing this information you are obliged to notify and secure authorisation from the other person on our use of this information as set out in this section. The provision of this information is optional information, but needed to execute the transaction and provide the Service and the Site to you. Without it, we are unable to provide the money transfer or other requested services.
8.3 We may provide the information we hold to parties located outside the UK, for the purposes set out in this statement. The categories of data transferred are personally identifiable information, contact details and information relating to the money transfer, transaction history, and any other Information supplied by you. We may also provide the information to other organisations, including those that help us run our business, if there is a reasonable need to do so, to carry out or aid our money transfer services, or for any of the reasons or uses set out in this section. We may add to information you provide with information from other businesses or individuals, including information to validate the accuracy of the information provided by you.
8.4 We may disclose your personal information, including without limitation your name, address, transaction patterns and bank account information:
(a) if we are required to do so by domestic or foreign law or legal process; or
(b) to law enforcement authorities or other government officials for purposes such as detecting, investigating, prosecuting and preventing crimes, including money laundering and related criminal activity.
8.5 You have the right to see a copy of your personal information, free of charge, and to have it corrected, deleted, restricted or transferred, and to object to its use, in each case as the law allows. Contact us at operations@forexmoneytransfer.com or +44 1753 373132. You can complain to the ICO at ico.org.uk or on 0303 123 1113.
9.1 If we fail to carry out a Transaction correctly because of our fault, we will refund the principal amount and all fees and charges you paid for it, together with any charges or interest you incurred as a direct result.
9.2 We are liable only for loss that is a direct and reasonably foreseeable result of our breach of contract or our negligence. We are not liable for indirect or consequential loss, loss of profit, loss of opportunity, or loss of data, or for any loss that was not reasonably foreseeable.
9.3 Nothing in these Conditions limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, for wilful misconduct, for your rights under the Regulations or the Consumer Rights Act 2015, or for any liability that cannot lawfully be excluded.
9.4 We are not responsible for failing to perform our obligations because of circumstances outside our reasonable control (see clause 13) or because we are complying with a legal obligation, provided we have acted reasonably and in good faith.
9.5 We are not liable for loss to the extent it is caused by your breach of these Conditions.
9.6 We are not liable to anyone other than you.
10.1 The Site and the Service, the content of the Site, and all intellectual property rights relating to them and contained in them (including but not limited to copyrights, patents, database rights, trademarks and service marks) are owned by us or third parties. All right, title and interest in and to the Site and the Service shall remain our property and/or the property of such other third parties.
10.2 The Site and the Service may be used only for the purposes permitted by these Conditions or described on the Site. You are authorised solely to view and to retain a copy of the pages of the Site for your own personal use. You may not duplicate, publish, modify, create derivative works from, participate in the transfer or sale of, post on the Internet, or in any way distribute or exploit the Site, the Service or any portion thereof for any public or commercial use without our express written permission. You may not: (a) use any robot, spider, scraper or other automated device to access the Site or the Service; and/or (b) remove or alter any copyright, trademark or other proprietary notice or legend displayed on the Site (or printed pages of the Site).
10.3 The names Forex Money Transfer, Forex Money Transfer and other names and indicia of ownership of any services referred to on the Site are our exclusive marks or the exclusive marks of other third parties. Other product, service and company names appearing on the Site may be the trademarks of their respective owners.
11.1 The Site may contain links to other websites (the “Linked Sites“). Links to any Linked Site do not constitute an endorsement by, or association with, us of any third party resources or their contents. Links do not imply that we are affiliated or associated with or are legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any Linked Sites are authorized to use any of our trademarks, trade names, logos or copyright symbols.
11.2 You should direct any concerns regarding any Linked Site to such Linked Site’s site administrator or webmaster. We do not represent or endorse the accuracy or reliability of, and expressly disclaim, any advice, opinion, statement, or other information displayed or distributed through any Linked Site. You acknowledge that any reliance upon any opinion, advice, or information displayed on or otherwise available through any Linked Site shall be at your sole risk.
12.1 You may end your contract with us at any time, free of charge, by using any of the contact methods in clause 5.1. Any pending Transaction will continue to be governed by these Conditions until it is completed, unless you cancel it under clause 5.
12.1A We may end our contract with you by giving you at least two months' written notice.
12.2 You shall notify us immediately if any event occurs that affects or might affect your contract with us.
12.3 We may end our contract with you or suspend the Service immediately and without notice if:
(a) you seriously or repeatedly breach these Conditions;
(b) we reasonably suspect fraud, money laundering, terrorist financing, a sanctions breach or other unlawful activity;
(c) we are required to do so by law, a court or a regulator;
(d) you lack the legal capacity to enter into or perform the contract; or
(e) your conduct is abusive or disruptive towards our staff or other customers.12.4 We may terminate a contract with you for currency exchange services, if:
(a) you are, or we reasonably suspect that you are, using the currency exchange service for an illegal purpose;
(b) you are, or we reasonably suspect that you may be, acting fraudulently;
(c) you were not entitled to use the currency exchange service; or
(d) you have not provided us with adequate information to provide you with the currency exchange service.
12.5 If we end our contract with you for currency exchange services before your order has been fulfilled, we will cancel and/or intercept the delivery of your order and will refund any payment for your order, unless we are prevented from doing so by any law, regulation, code, court order or other duty.
12.6 We shall endeavour to give you prior notice of termination or suspension by us and, if it is not practicable to give such prior notice, endeavour to give notice to you of such termination or suspension as soon as possible thereafter.
12.7 We may immediately terminate our contract with you and/or suspend the Service on the basis of information supplied to us (whether orally or in writing) that we in good faith believe to be true and that affects or potentially affects the validity of a Transaction.
12.8 The termination of our contract with you and/or the suspension of the Service shall not affect any rights or obligations arising prior to or arising during or after the date of termination or suspension or which arise in consequence of it, and all such rights and obligations shall continue to be subject to these Conditions.
12.9 Neither you nor we shall be liable to the other for any liabilities suffered or incurred by the other arising out of the taking of any action which you or we are authorised to take or which is otherwise provided for under these Conditions or by any restriction or requirement for use of the Service described on the Site, including without limitation the exercise of any powers of termination and/or suspension under this clause 12.
12.10 The provisions of our contract with you shall continue to apply during any suspension of the Service.
12.11 The accrued rights and liabilities of you and us as at termination and the continuation of any provision of these Conditions expressly stated to survive or implicitly surviving termination shall not be affected by the termination of the contract.
13.1 We are not liable to you for any failure or delay in performing our obligations if it is caused by abnormal and unforeseeable circumstances outside our reasonable control, the consequences of which could not have been avoided despite all reasonable efforts by us. These include fire, flood, storm or other natural disaster, war, riot, civil commotion, terrorism or the threat of it, industrial action by third parties, failure of power, telecommunications or internet services that we could not reasonably have prevented, a failure by a bank or other third party that we could not reasonably have prevented, and any law, order or instruction of a court, the police, or a government or regulatory body. 13.2 A failure of our equipment, systems or software, or of services provided to us by third parties, is not our responsibility if it was caused by events described in clause 13.1 and we had taken reasonable precautions against it. 13.3 If such a circumstance affects us, we will tell you as soon as we reasonably can, take reasonable steps to limit the effect, and carry out the Transaction as soon as we are able to. 13.4 If we cannot carry out a Transaction because of such a circumstance, we may suspend the Service in accordance with clause 3.8. If the Transaction cannot be completed, we will refund the principal amount and any fees you paid for it. Any ending of the contract is governed by clause 12. 13.5 This clause does not limit your rights under the Regulations or any liability that cannot lawfully be excluded (see clause 9.3).
14.1 Our money transfer service is a payment service regulated under the Regulations. We are registered with the Financial Conduct Authority as a small payment institution (firm reference number 714241).
14.2 The Regulations apply to money transfers we carry out for you from the United Kingdom, including transfers to destinations outside the UK such as Afghanistan. For transfers to destinations outside the UK, the Regulations apply to the part of the payment that takes place in the UK. They do not govern the part carried out by our Pay-out partner or any other party outside the UK, which is subject to the laws of the destination country (see clause 4.8). 14.3 Nothing in these Conditions removes or limits any right you have under the Regulations that cannot lawfully be excluded or limited. If there is a conflict between these Conditions and the Regulations, the Regulations prevail. 14.4 We will give you further details of your rights under the Regulations on request.The information we are obliged to provide to you is set out at clauses 3, 4 and 5 of these Conditions. If you ask us to provide you with any information or materials which we are not required to provide under the Regulations, we may ask you to pay us a fee to cover our costs of providing them to you. If you do ask us to do this, then we will advise you of any fee that may apply.
16.1 If you want to complain, contact our customer support team at operations@forexmoneytransfer.com, on +44 1753 373132, or in writing at Unit 2, 218-220 High Street, Slough, SL1 1JS. Complaints about money transfers and currency exchange are handled the same way. 16.2 We will acknowledge your complaint promptly 16.3 We will send you a final response within 15 Business Days of receiving it. If we cannot because of reasons outside our control, we will send you a holding reply explaining why and when you will hear from us, and our final response will be no later than 35 Business Days. 16.4 If you are dissatisfied with our final response, or have not received one within 35 Business Days, you may refer your complaint to the Financial Ombudsman Service within 6 months of our final response: Exchange Tower, London E14 9SR, telephone 0800 023 4567, financial-ombudsman.org.uk. 16.5 A copy of our complaints procedure is available on request.
In the event that any one or more of the provisions (or any part(s) thereof) of these Conditions shall for any reason be held to be invalid, illegal or unenforceable, the remaining provisions (and any part(s) thereof) shall remain valid and enforceable.
We have the right to transfer our rights and/or responsibilities under our contract with you to an affiliated company, or any third party, at any time without your consent unless such transfer would reduce your rights and/or remedies or increase your responsibilities and/or liabilities under your contract with us. You may not transfer your rights and/or responsibilities under your contract with us without our prior written consent.
The Contracts (Rights of Third Parties) Act 1999 shall not apply to the contract between you and us and accordingly nothing in it shall be directly or indirectly enforceable by any third party.
20.1 Where any notice is required by these Conditions to be given in writing, it must be written in the English language and: (a) Where it is to be given by you, it must be sent by email to operations@forexmoneytransfer.com or by post to Forex Money Transfer, Unit 2 218-220 High Street Slough Sl1 1JS and (b) where it is to be given by us, it must be sent by email to the last email address which we hold for you or by post to the last postal address we hold for you, or to such other email or postal address in the United Kingdom which you tell us to use by notifying us in advance in writing in accordance with the provisions of this clause. 20.2 Any notice sent by email will be treated by you and us as being received on the first Business Day following the day on which it was sent and any notice sent by post will be treated by you and us as being received on the second Business Day following the day on which it was posted.
The contract between you and us shall be governed by English law. We both agree that any dispute, claim or other matter arising under the contract shall be exclusively dealt with by the English courts. Forex Money Transfer Limited is a company registered in England and Wales, company number 09717775. Head office and registered office: Unit 2, 218-220 High Street, Slough, SL1 1JS. Website: www.forexmoneytransfer.com. Email: operations@forexmoneytransfer.com. Telephone: +44 1753 373132. We are registered with the Financial Conduct Authority (firm reference number 714241) as a small payment institution for the provision of payment services.