3.1We are not obliged to accept a client on registration. We may, at our sole discretion, refuse to accept your patronage if:
a)We are unable to verify the information that you have supplied, and you have not provided the additional information required by us to fulfil our obligations under the law;
b)You provide us with false, incorrect or incomplete information;
c)You are in breach of these Terms and Conditions;
d)A Compliance Officer has taken a discretionary decision to do so.
3.2 We are required by Law to ensure that we know our clients and that our service is not use for money laundering activities or for the funding of terrorism. We are therefore obliged to obtain, verify and record identity information for all our customers. We may require you to supply us with personal identifying information relating to you and your Beneficiary and we may also legally consult other sources to obtain information about you and your Beneficiary.
3.3Prior to the completion of a transaction we shall advise you of the fee and any currency exchange rate applicable for the service that you have requested.
3.4Upon your acceptance of the transaction and consequently these terms, a breakdown of the transaction details will be included in the confirmation that we will provide to you or send to you by email/SMS. This confirmation will include:
a)The date the transaction was received
b)Unique Reference Number for the specific Transaction
d)Currency Exchange Rate (if applicable)
h)Service details, including method of payout and applicable details (such as account details, address, payout location).
3.5Upon the successful creation of a transaction, we will provide your beneficiary the following details by email/SMS:
a)Unique Reference Number for the Transaction
d)Service details, including method of payout and applicable details (such as account details, address, payout location)
3.6There are limits on how much you can send. The limits will depend on the Originating Country, the Destination Country, the payment instrument and the service selected. You will be informed prior to the creation of the Transaction, of the maximum send amount for the service that you require.
3.7We are not obliged to process any particular transaction. We may, at our sole discretion, refuse to send the money or allow it to be collected if we reasonably believe that:
a)By doing so we might break any law, regulation, code or other duty that applies to us;
b)Doing so might expose us to action from any government or regulator; or
c)It may be linked with activity which might be fraudulent or illegal.
d)You provide us with false, incorrect or incomplete information;
e)You attempt to tamper, hack, modify, overload, or otherwise corrupt or circumvent the security and/or functionality of the Website or to infect it with any Malicious Code;
f)You are in breach of these Terms and Conditions;
g)You or the Transaction Request are in breach of any applicable laws or regulations or are made for a Prohibited Purpose;
h)We are unable to process your transaction due to any event of Force Majeure;
i)A Compliance Officer has taken a discretionary decision to do so.
If we decide not to process a transaction, unless we are prevented by law from doing so, we will notify you promptly of that decision, the reasons for our refusal and how you can put right any errors in your instructions. If you prefer (and the law allows), or if the law requires, we will return the money to you. We will not liable to you for more than the Transaction Amount and Service Fee.
3.8Our service is for you as a natural person to send money to a private individual known by you personally rather than to make a commercial payment, and you must not use our service for this type of transaction. If you ask us to pay someone who turns out to have defrauded you or who fails to meet their obligations to you, we will not be liable as a result.
3.9A person who is not party to these Terms and Conditions shall not have any rights to enforce them.
3.10We will not require the Beneficiary to pay a fee in order to receive the funds in the manner determined by the Sender in the transaction request. All fees for the service prescribed will be paid by the Sender.