Terms and Conditions - Malaysia
10. AIRTIME TOP UP
10.1 The Airtime Top Up service will only be provided to you by us in respect of the mobile phone operators available on our Website. These operators are subject to change and availability.
10.2 You must input the mobile phone number to which any Airtime Top Up is to be credited into the appropriate space in our Portal. It is your responsibility to ensure that you have correctly inputted the mobile phone number. You will then be asked to select the amount of Airtime Top-Up that you wish to credit that mobile phone number with.
10.3 When sending an Airtime Top Up, you will be asked to enter the Payee’s phone number twice. This is needed to ensure that Airtime Top Up is not sent to the wrong person because of a mistyped number. However, if you enter the wrong number twice, the transfer will go ahead and there is no way to reclaim or redirect the Airtime Top Up once the Payment Instruction has been processed by us.
10.4 The cost of Airtime Top Up will vary depending on the amount of Airtime Top Up that you wish to send and according to the denominations displayed in our Portal or on the Website.
10.5 The total amount (the Transaction Amount and our Service Fee) that you must pay will be displayed clearly in the Portal before you are asked to confirm your Transaction.
10.6 A number of countries around the world have chosen to apply taxes to incoming Airtime Top Ups. When sending to a Payee in these countries, the corresponding deduction will be made from the Transaction Amount, meaning the Payee will get a lower amount of Airtime Top Up.
10.7 If the Payee you are sending to is in a country which does deduct taxes from Airtime Top Ups, you will see information about the rate in the Portal before completing the transfer.
10.8 The Airtime Top Up is typically sent within a few seconds by us to the mobile phone number you provide upon successful payment by you. Occasionally, there may be a short delay before the relevant mobile operator applies the Airtime Top Up to the mobile phone number e.g. due to congestion on the local mobile network. If you have questions about a longer delay, please contact us here.
10.9 Our obligation in relation to Airtime Top Up is simply to send Airtime Top Up in accordance with your Instruction. The relevant mobile operator will be solely liable to you and the Payee of the Airtime Top Up for the provision of mobile services related to the Airtime Top Up. Once the Airtime Top Up is sent to a mobile phone number, it cannot be refunded or removed from the phone. To stop this mistake from happening, we ask you to ensure that the number you have entered is correct.
10.10 You will not be able to cancel the Airtime Top Up once we receive your instruction.
10.11 We may be obliged (for example, due to local laws or mobile operator restrictions) to limit the number of Airtime Top Ups that can be performed or the maximum value of Airtime Top Ups (the latter typically due to mobile operator restrictions) over a given period of time e.g. daily, weekly, monthly.
11. COLLECTION OF INFORMATION
Customer Identification Program
11.1 Financial institutions are required to assist in the fight against money laundering activities and the funding of terrorism by obtaining, verifying, and recording identifying information about all customers. We may therefore ask you to supply us with personal identifying information relating to you, and Sender and any Payee and we may also legally consult other sources to obtain information about you, any Sender and any Payee.
Verification and Checks
11.2 We will verify your residential address and personal details in order to confirm your identity. We may also pass your personal information to a credit reference agency, which may keep a record of that information. Be assured that this is done only to confirm your identity, and that we do not perform credit checks and therefore your credit rating will be unaffected. We may also need to verify the identity of a Sender or Payee in the same way. All information provided by you will be treated securely and strictly in accordance with all applicable law. We may do this directly, for example by asking you for additional information, or asking you to take steps to confirm ownership of your accounts, Payment Instruments or email address; or indirectly, for example by verifying your information against third party databases or through other sources.
Provision of payment services
11.3 You explicitly consent to us accessing, processing and retaining your personal information for the purposes of providing the payment services described in the Agreement. We need your explicit consent as a result of certain rules which apply to us (the United Kingdom's Payment Services Regulations 2017). This consent does not relate to how we process your personal information for other purposes, which are explained in our Privacy Policy. The Privacy Policy can be found by clicking here.
Government Disclosures
11.4 We may be obliged by law to provide information about you, your use of the Portal, Digital Money Account and our Website, and your Instructions to government or other competent authorities as described in our Privacy Policy.
11.5 We may, as necessary in providing services to you under the Agreement, store all information required of a Sender or Payee to prove his or her identity or associated with their specific Instruction. Such proofs may include a suitable form of valid, unexpired identification from a list of acceptable papers provided by the Service Provider, and/or a transaction tracking number, a personal identification number (PIN), a "password", a "secret word", or other similar identifiers.
12. INTELLECTUAL PROPERTY
12.1 The Portal, our Services and our Website, and the content, and all intellectual property relating to them and contained in them (including but not limited to copyrights, patents, database rights, trademarks and service marks) are owned by us, our affiliates, or third parties. All right, title and interest in and to the Portal, our Servicecs and our Website will remain our property and/or the property of such other third parties.
12.2 The Portal, our Services and our Website may be used only for the purposes permitted by these Terms and Conditions or described on our Website. You are authorised solely to view and to retain a copy of the pages of the Portal and Website 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 Portal, our Services or our Website or any portion of it 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 Portal, our Services or Website; and/or (b) remove or alter any copyright, trademark or other proprietary notice or legend displayed in the Portal or Website (or printed pages of the Portal or Website).
12.3 The name “WorldRemit” and other names and indicia of ownership of WorldRemit's products and/or services referred to in the Portal, our Services or Website are our exclusive marks or the exclusive marks of other third parties. Other products, services and company names appearing on the Website may be trademarks of their respective owners, and therefore you should not use, copy or reproduce them in any way.
13. LIABILITY
Informing us about an unauthorised or incorrect payment
13.1 If you believe that a payment made using one of our Services was made without your authorisation, or was not executed correctly, you must contact us through the channels listed at the end of these Terms and Conditions without undue delay any in any event within 13 months of the date on which the payment occurred. A request for a refund must be submitted in writing (including by email) to one of the contact points listed at the bottom of these Terms and Conditions, giving your full name, address, and phone number, together with the Transaction tracking number, Transaction Amount, and the reason for your refund request. You should give us any other relevant documentation that you have available that will help us process your claim.
Where there is an unauthorised payment
13.2 We will refund you where money belonging to you (either money you have given us in order to carry out a Transaction, or money held in your Digital Money Account) has been paid to someone else without your authorisation. However, there are circumstances in which we will not be obliged to refund you, or where the amount we have to refund is less than the full amount of the payment. The following rules will apply in deciding whether you are entitled to a refund (and if so, for how much):
(a) if you have acted fraudulently, you will have no right to a refund in any circumstances;
(b) you will not be entitled to a refund if you make a claim more than 13 months after the date of the Transaction, regardless of how the unauthorised payment occurred;
(c) if you have intentionally or with gross negligence compromised the security of your Digital Money Account or account, or failed to keep the details you use to access the Portal or our Services secure, you will be liable for all losses arising up to the time you notify us of the loss, theft or misuse of your details. "Gross negligence" means that something you have done or not done is very obviously wrong or careless. There may be special circumstances where you will not be liable (or not fully liable), even if you have acted intentionally or with gross negligence. If this is the case, we will tell you;
(d) unless one of the rules above applies, if the unauthorised payment was caused by the loss, theft or misuse of the details used by you to access the Portal or our Services, you will be liable for up to £35 of any loss (unless you notified us of the loss, theft or misuse of your details before the loss occurred).
13.3 There may be other special circumstances in which you will be entitled to a refund, either in full or in part. If this is the case, we will explain this to you when we process your refund.
13.4 If you are entitled to a refund, we will credit the amount of the refund (together with any fees we have charged) back to you in the same currency in which the payment was made. If the payment was made from your Digital Money Account, we will credit the amount back to your Digital Money Account. We will not have any other liability to you.
13.5 If we give you a refund and then discover that you were not entitled to the refund, we can take the amount refunded from any money we hold on account for you (including, but not limited to, from your Digital Money Account). If there are insufficient funds in your Digital Money Account or other account(s) with us to repay us, you must repay the amount outstanding to us immediately on demand from us.
13.6 If we suspect you have acted fraudulently, we can decide not to refund you or we can investigate the circumstances further. You must cooperate with us and law enforcement agencies, if we need to involve them. If we carry out an investigation and decide that you are not entitled to a refund because you acted fraudulently, we can charge you for our reasonable costs in carrying out the investigation and deduct these from any money we hold on account for you (including, but not limited to, from your Digital Money Account). If there are insufficient funds in your Digital Money Account or other account(s) with us to repay us, you must repay the amount outstanding to us immediately on demand from us.
13.7 Clause 13.10 sets out other circumstances in which we will not be responsible for any losses you suffer as a result of an unauthorised payment.
Where a payment has not been made, or has been made incorrectly or late
13.8 We will refund you where you gave us a Payment Instruction and we did not do this, or we sent it to the wrong account, or we did not send this within the timescale set out in clause 5.9 or clause 5.10 (as the case may be). However, we will not be obliged to refund you in any of the following circumstances:
(a) if we processed the payment on time and in accordance with your Payment Instruction. If you gave us incorrect payment details, or you want to recover the funds for some other reason, we will make reasonable efforts to recover the funds. We may charge a reasonable fee, reflective of our efforts, for doing this. If we are unable to recover the funds, and if you give us a written request for details, we will ask the payee's account provider to give us details of the payee and we will pass these details to you;
(b) if you make a claim more than 13 months after the date of the Transaction;
(c) if the payment was made to an account outside of the European Economic Area;
(d) if we can show that the Payee's account provider received the correct payment on time;
(e) if we had reasonable grounds to delay processing your Instruction, under clause 7.1;
(f) if it was not possible for us to process your Payment Instruction, due to circumstances beyond our reasonable control as explained in clause 13.10.
13.9 If you are entitled to a refund, we will credit the amount of the refund (together with any fees we have charged) back to you in the same currency in which the payment was (or was supposed to have been) made. If the payment was made (or was supposed to have been made) from your Digital Money Account, we will credit the amount back to your Digital Money Account. We will not have any other liability to you.
Other circumstances in which we will not be liable
13.10 Except where (and to the extent that) the laws and regulations applicable to us say otherwise, we will not be liable to you for:
(a) any failure to carry out an Instruction or make the Portal available to you, or any losses or delays in the transmission of messages, when we carry out maintenance or updates or as a result of circumstances which could reasonably be considered to be due to abnormal and unforeseen circumstances or outside our control or due to our obligations under any applicable laws, rules or regulations;
(b) malfunctions in communications facilities which cannot reasonably be considered to be under our control and that may affect the accuracy or timeliness of messages you send to us;
(c) any losses or delays in transmission of messages arising out of the use of any internet or telecommunications service provider or caused by any browser or other software which is not under our control;
(d) any losses or delays caused by us exercising our lawful rights or performing our obligations under the Agreement or in accordance with law, regulation, a court order or an instruction from an ombudsman, regulator or government body;
(e) errors in the Portal or our Website caused by incomplete or incorrect information provided to us by you or a third party who is acting on your behalf;
(f) any use by you of the Portal, our Website or our Services which is in breach of the terms of the Agreement;
(g) any use by you of the Portal, our Website or our Services for a commercial, business or resale purpose. In particular, and without limiting this exclusion, we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity;
(h) any loss or damage which we could not reasonably have foreseen as being likely to occur as a result of something we have done or not done; or
(i) any loss or damage you suffered by you as a result of you using our Portal, our Website or our Services on a ‘jailbroken’, ‘rooted’ or otherwise modified device.
Other rules on liability
13.11 Nothing in this clause 13 excludes or limits liability on our part for death or personal injury resulting from our negligence, or for fraud.
13.12 Save where another rule in this clause 13 applies, or where the law says you are not liable, you will be liable to us, our subsidiaries, affiliates, officers, directors, employees, agents, independent contractors, advertisers, partners, and co-branders from all loss, damage, claims, actions or demands, including reasonable legal fees, arising out of any use by you (or anyone acting on your behalf) of the Portal, a Digital Money Account and/or our Website which is in breach of your Agreement with us.
13.13 If there are insufficient funds in your Digital Money Account or other account(s) with us to repay us what you owe us, you must repay the amount outstanding to us immediately on demand.
14. USE OF THE PORTAL
14.1 We grant you a non-transferable, non-exclusive licence to use the Portal, subject to the terms of your Agreement with us, our Privacy Policy and the applicable app-store terms (incorporated into these Terms and Conditions by reference) as may be amended from time to time. We reserve all other rights.
14.2 Except as expressly set out in your Agreement with us or as permitted by any local law, you agree:
(a) not to copy the Portal (except where such copying is incidental to normal use of the Portal, or where it is necessary for the purpose of back-up or operational security); and
(b) not to rent, lease, sub-license, loan, alter, translate, merge, adapt, vary or modify the Portal.
14.3 The Portal has not been developed to meet your individual requirements, and we do not represent or guarantee that the Portal will be suitable for your needs. It is your responsibility to ensure that the facilities and functions of the Portal meet your needs.
15. OUR RIGHT TO BLOCK ACCESS
15.1 We can stop or block your access to and use of the Portal and/or your Digital Money Account if:
(a) you have notified us, or we reasonably believe, that the details you use to access the Portal or Digital Money Account, or money in your Digital Money Account, has been lost, stolen, compromised, used without your authorisation, or used fraudulently; or
(b) we are obliged to do so by law, regulation, a court order of the instructions of an ombudsman, regulator or government body.
15.2 We can deny a Third Party Provider access to the Portal and/or your Digital Money Account if we reasonably believe that access to the Portal and/or Digital Money Account by them, or any Instruction we receive from them, is unauthorised or fraudulent.
16. ELECTRONIC COMMUNICATIONS
16.1 The Agreement will be entered into electronically, and the following categories of information ("Communications") may be provided by electronic means:
(a) our Agreement with you and any amendments, modifications or supplements to it;
(b) your records (e.g. of transactions) using the Portal;
(c) any initial, periodic or other disclosures or notices provided in connection with the Services, including without limitation those required by law;
(d) any customer service communications, including without limitation communications with respect to claims of error or unauthorised use of the Services or our Website; and
(e) any other communication related to our Portal, the Website, our Services or WorldRemit.
16.2 We are not able to provide Communications in paper format or through other non-electronic means. You can withdraw your consent to receive Communications electronically, but if you do, we will treat this as notice that you wish to terminate your Agreement with us. In order to withdraw your consent, you must contact us using our contact information at the end of these Terms and Conditions.
16.3 In order to access the Portal and Communications, you must have an internet browser that supports 256-bit encryption, or such higher level of encryption as we may introduce in order to comply with law, regulation or good industry practice in order to protect the security of our customers' money and our systems.
16.4 In addition, you must promptly update us with any change in your email address by updating your profile at https://www.worldremit.com.
17. CHANGES TO THE AGREEMENT
17.1 We can change, remove, vary or add to any of the terms of our Agreement with you at any time. These changes may include, but not be limited to:
(a) changing or withdrawing the Portal or any part of our Services;
(b) introducing new services, which will then form part of our Services;
(c) introducing a new Service Fee or charge; or
(d) increasing, decreasing or abolishing an existing Service Fee or charge.
17.2 We can make changes to the Agreement for any of the following reasons:
(a) to reflect any change in law, regulation, codes of practice or guidance, or a recommendation, decision or order of a court, ombudsman, regulator or government body, or new statements, codes of practice or industry guidance designed to enhance consumer protection;
(b) to reflect any changes in our business organisation (for example, if we merge with another organisation or transfer our business to another organisation) or the Service Providers we use;
(c) to provide you with extra benefits or additional services;
(d) to reflect (in a proportionate way) changes in our costs in providing our services, for example changes in market conditions, technology costs, inflation and/or the costs of providing facilities;
(e) to reflect (in a proportionate way) any cost associated with any new product or service we introduce, or any new feature on an existing product or service, or any change in the Service Providers we use;
(f) to make the terms clearer or fairer to you, or to benefit you.
17.3 We can also introduce, increase, decrease or abolish transaction limits for certain types of payments made to or by you using our Services from time to time. We may do this for any of the following reasons:
(a) to comply with law, regulation, codes of practice or guidance, or a recommendation, decision or order of a court, ombudsman, regulator or government body, or new statements, codes of practice or industry guidance designed to enhance consumer protection and/or the security of payment and financial systems;
(b) to take account of and address (as a prudent institution) risks we have identified in the payments that our customers are receiving or carrying out, or to anticipate any such risks arising; or
(c) to reduce the risks of financial crime.
We may publish details of transaction limits on our Website, or details may be available from us on request.
17.4 Whenever we decide to make a change, we will act reasonably, and any change will be proportionate to the circumstances giving rise to the change.
17.5 As our Agreement with you may last for a long time and we cannot anticipate everything that might happen during that time, we may also need to make changes for other justifiable reasons. If we do so, we will explain the reason to you when we tell you about the change.
17.6 Except in the situations explained in clause 17.7, we will give you personal notice of the change two (2) months prior to the change where:
(a) we change the terms and conditions which deal with the way payments can be made by you or to you, or into or out of your Digital Money Account;
(b) we make a change to your disadvantage; or
(c) we introduce a new Service Fee or charge.
In these circumstances, you can ask us close any account you hold with us (or that we hold to your order), such as your Digital Money Account or the account you use for Airtime Top Up (as the case may be), at any time before the change comes into effect and the normal notice period for closure will not apply. If you do not ask us to do this, you will be treated as having accepted the change.
17.7 The following are circumstances where we can make a change to the Agreement more quickly (including immediately), without giving you prior notice. In these circumstances you will not have the right to close your Digital Money Account or account without giving the usual notice. The circumstances are:
(a) where we are obliged to make the change due to compliance with law, regulation, codes of practice or guidance, or a recommendation, decision or order of a court, ombudsman, regulator or government body, or new statements, codes of practice or industry guidance designed to enhance consumer protection;
(b) where we are obliged to introduce, increase, decrease or abolish a transaction limit urgently, for any of the reasons explained in clause 17.3. In addition, we may not be able to give you notice of the change where we reasonably believe doing so might compromise the security of our systems;
(c) where we introduce a new service or functionality (and even if we introduce new charges for that service), provided the introduction of the new service does not affect your use of our existing services; or
(d) where the exchange rates we use when converting one currency change. These rates change frequently each day. The rate applicable to your Transaction will be displayed clearing in the Portal at the time you give us your Instruction.
17.8 In the case of all other changes apart from those set out in clauses 17.6 and 17.7, we can make the change immediately, without giving you personal notice. Instead, we will update the copy of the Agreement on our Website. You should check our Website regularly so that you are familiar with the up to date terms of your Agreement.
18. TERMINATION
18.1 You can terminate the Agreement on one month’s written notice, unless we have broken the terms of your Agreement with us in a serious way, and (where it is possible to put this right) we have not put this right within a reasonable period of time requested by you. In this case, you can terminate the Agreement with immediate effect.
18.2 We can terminate the Agreement upon two months’ notice, except as provided for in clause 18.3 or clause 18.4.
18.3 We can terminate the Agreement with immediate effect if you:
(a) become, or we reasonably believe or become aware you are likely to become, insolvent or are declared bankrupt;
(b) have broken the terms of your Agreement with us in a serious way, and (where it is possible to put this right) you have not put this right within a reasonable period of time requested by us;
(c) through any means of communication intimidate, harass or threaten us, our employees, officers, agents, Service Providers or customers with violence, property damage or any other offensive, indecent, discriminatory or hateful material;
(d) breach or attempt to breach the security of our Portal, our Website or our Services (including, but not limited to, modifying or attempting to modify any information; unauthorised log-ins, unauthorised data access or deletion; interfering with the service, system, host or network; reverse engineering of any kind; spamming; hacking; falsifying data; introducing viruses, Trojan horses, worms or other destructive or damaging programs or engines; or testing security in any way); or
(e) are, in our reasonable belief, using the Portal and/or any of our Services in connection with fraudulent, illegal, unethical, immoral or Prohibited activity, or to promote or support discriminatory, extreme or offensive practices, or permitting or encouraging a third party to do any of these things.
18.4 We can terminate the Agreement with immediate effect if:
(a) we are obliged to do so by law, regulation, a court order or the instructions of an ombudsman, regulatory or government body, or we reasonably believe that a court order is, or instructions from an ombudsman, regulatory or government body are, likely to be given; or
(b) we reasonably believe that the way in which you are using some or all of our Services might expose us to any sanction, penalty, fine, censure, direction or order from any court, ombudsman, regulatory or government body, unless we terminate your Agreement with us with immediate effect.
18.5 Termination of this Agreement will not affect any claims that you have against us, or that we have against you, which arose before the date of termination. For example, we have the right to demand payment of any Service Fees for Services provided prior to termination.
19. COMPLAINTS
19.1 If you wish to make a complaint about any aspect of our Services, please send your complaint in writing to the address shown on the Contact Us page of our Website.
19.2 We will acknowledge receipt of your complaint within 2 Business Days. We will investigate your complaint and come back to you with the results of our investigation no later than 7 Business Days after the receipt of our acknowledgement of your complaint.
19.3 If you are not satisfied with the manner in which we have dealt with your complaint, or the outcome, then you may refer the matter to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR, Tel No 0800 0234 567, Email: complaint.info@financial-ombudsman.org.uk. Alternatively, you can submit your complain online through the European Commission's Online Dispute Resolution Platform, at http://ec.europa.eu/consumers/odr
20. GENERAL
Governing law
20.1 This Agreement, and our communications with you prior to you entering into this Agreement, will be governed by English law the following courts will have jurisdiction over any disputes arising:
(a) the courts of Scotland, if you are resident in Scotland;
(b) the courts of Northern Ireland, if you are resident in Northern Ireland; or
(c) the courts of England and Wales, if you are resident anywhere else in the world.
No Waiver
20.2 Our failure to exercise or enforce any right or provision of the Agreement will not constitute a waiver of such right or provision.
Transfer of rights
20.3 You cannot transfer any of your rights under this Agreement, including any right to money we hold to your account, to any other person. You cannot grant any charge or other security over any money we hold for you from time to time.
20.4 We can assign all or any of our rights under this Agreement to another person. We may also transfer all or any of our obligations, but only to someone we reasonably consider capable of performing them.
Entire Agreement
20.5 This Agreement constitutes the entire agreement between the parties and supersedes all prior understandings or agreements relating to the subject matter of this Agreement.
Severability
20.6 If any provision of the Agreement is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavour to give appropriately valid effect to the intention of the Agreement as reflected in the provision, and the other provisions of the Agreement will remain in full force and effect.
External links
20.7 Any external links to third-party websites on our Website are provided as a convenience to you. These sites are not controlled by us in any way and we are not responsible for the accuracy, completeness, legality or any other aspect of these other sites including any content provided on them. You access such websites at your own risk.
Cancellation
20.8 You have the right to cancel your Agreement with us. The cancellation period begins on the day after you register with us and ends 14 calendar days later. You can exercise your right of cancellation by calling us or sending us an email. Our contact details are set out on our Website. Cancellation will terminate your Agreement with us with immediate effect.
20.9 If you cancel your Agreement with us, we will repay to you any money or E-money which we hold for you (in the case of E-money, we will repay this as set out in clause 9.11). We will not apply any charge for doing so. You will remain liable to pay any fees or charges payable to us under the Agreement in respect of any services we have provided to you prior to cancellation. We may deduct these fees or charges from the any amount we pay to you.
20.10 If you do not exercise your right to cancel the Agreement during the 14-day cancellation period, the Agreement will be binding on you. You will however be able to terminate the Agreement in accordance with clause 18.
Security
We take security very seriously at WorldRemit and we work hard, using state-of-the-art security measures, to make sure that your information remains secure. The WorldRemit service is a safe and convenient way to send money, E-money and/or Airtime Top Up to friends and family and to other people that you trust. You should not send money, E-money and/or Airtime Top Up to people you do not know, for example sellers of goods and/or services, whether private or retail.
However, we do advise you to consider very carefully before sending money to anyone that you do not know well. In particular, you should be very cautious of deals or offers that seem too good to be true - they may be scams. If you are aware of anyone or any entity that is using the Portal, a Digital Money Account or our Website inappropriately, please email us. Similarly, if you receive any emails, purporting to be from WorldRemit, which you suspect may be "phishing" (fake) emails, please forward the email to us https://worldremit.com/en/contact-us.
Contact Information
Questions, notices, and requests for refunds or further information should be sent to WorldRemit, as follows:
online at https://www.worldremit.com/en/contact-us/;
by telephone at +44 (0)20 7148 5800;
or by post to: WorldRemit, attn: Customer Service, WORLDREMIT Ltd, 167-169 Great Portland Street, 5th Floor, London, W1W 5PF, United Kingdom.
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