WorldRemit Terms And Conditions
1. CONTRACT FORMATION AND
OVERVIEW
1.1 These Terms and Conditions govern the terms under which you
may access and use this website and the services associated with it
(together, the "Service"). By accessing,
registering with and using the Service, you agree to be bound by
the terms of the Terms and Conditions. If you do not wish to be
bound by the Terms and Conditions do not access, register with or
use the Service. The language of these Terms and Conditions is
English and all Services, instructions and transactions carried out
in connection with it shall be in English.
1.2 In these Terms and Conditions, the terms
"Worldremit", "we", "us", and
"our" refer to WorldRemit Ltd, together with its
employees, directors, affiliates, successors, and assigns.
Worldremit Ltd is a company registered number 07110878 in England
and Wales, with its registered office at Kensington Centre,
66 Hammersmith Road, London, W14 8UD. It is Authorised and
Regulated by the Financial Conduct Authority (FCA) under the
Payment Service Regulations 2009 for the provision of payment
services. Registration number: 574642.
1.3 The terms "you" and "your"
refer to users of the Service, whether in their capacity as
Senders, Recipients, or visitors to this website.
1.4 These Terms and Conditions are effective from 18 November
2010. The Terms and Conditions may change from time to time, but
changes will only be effective from the date they are made and will
not change the terms on which you previously used the Service.
1.5 The Service was created to assist customers to send money to
their family and friends, and to receive money from family and
friends, around the world. For security reasons, we recommend that
you only send money through the Service to people you know
personally. You must not use the Service to send money to strangers
for example sellers of goods and/or services, private or
retail.
2. DEFINITIONS
In this Terms and Conditions:
"Destination Country" means the country in
which the Recipient receives money through the Service.
"Local Taxes" means any taxes or charges
payable in the Destination Country.
"Payment Instrument" means a valid instrument
of payment such as a bank account, debit card or credit card.
"Payout Amount" means the amount paid out to
the Recipient, after any foreign exchange conversion and excluding
Local Taxes.
"Recipient" means someone who receives money
through the Service.
"Sender" means someone who uses the Service to
send money.
"Service Fee" means the fee plus any additional
charges applicable to each Transaction.
"Service Provider" means a local bank, money
exchange house, or other third party service providers in the
Destination Country with whom Worldremit works in providing the
Service.
"Transaction" means a specific instruction to
send money through the Service.
"Transaction Amount" means the amount of money
that the Sender wishes to send to the Recipient, excluding any
applicable fees and prior to any foreign exchange conversion.
3. OUR OBLIGATIONS
3.1 Subject to these Terms and Conditions, we agree to provide
the Service to you using reasonable care. The Service may not be
available in whole or in part in certain regions, countries, or
jurisdictions.
3.2 We are not obliged to process any particular Transaction.
When you submit a Transaction, you are requesting that we process
the Transaction on your behalf. We may, in our sole discretion,
choose whether or not to accept the offer to process that
Transaction. However, if we decide not to process the Transaction,
we will notify you promptly of that decision and repay the money
paid to us.
3.3 Worldremit reserves the right to modify or discontinue the
service or any part of the Service without notice, at any time and
from time to time. We may, in our absolute discretion, refuse any
Transaction or limit the amount to be transferred, either on a per
transaction basis or on an aggregate basis, and either on
individual accounts or on related accounts.
3.4 We may, in our sole discretion, refuse Transactions from
certain Senders or to certain Recipients, including but not limited
to entities and individuals on restricted or prohibited lists
issued from time to time by the UK Government. In addition, not all
Payment Instruments are available to all customers at all times and
we may, in our sole discretion, refuse Transactions funded from
certain Payment Instruments.
3.5 We will attempt to process Transactions promptly, but any
Transaction may be delayed or cancelled for a number of reasons
including but not limited to: our efforts to verify your identity;
to validate your Transaction instructions; to contact you; or
otherwise to comply with applicable law; or due to variations in
business hours and currency availability.
3.6 We will attempt to provide Senders and Recipients with up to
date information regarding the location and opening hours of our
Service Providers by means of information on our website. However,
you agree that Worldremit shall not be held responsible for any
inaccuracies that may appear in that information or any
consequential loss which may result from incorrect or incomplete
information.
4. YOUR OBLIGATIONS
You agree that:
4.1 you will not access, use or attempt to use the Service as a
Sender unless you are at least 18 years old, and that you have the
legal capacity to form a binding legal contract in the relevant
jurisdiction;
4.2 for each Transaction that you submit, you will pay us the
Service Fee in addition to the Transaction Amount. Payment becomes
due at the time that you submit your Transaction. If you submit a
Transaction that results in Worldremit becoming liable for charges
including but not limited to chargeback or other fees, you agree to
reimburse us for all such fees;
4.3 in connection with your registration and use of the Service,
you will:
4.3.1 provide us with true, accurate, current and complete
evidence of your identity, and promptly update your personal
information if and when it changes;
4.3.2 provide our merchant with details of one or more Payment
Instruments; and
4.3.3 provide us with true, accurate, current and complete
information for all Transactions.
We do not accept any liability for damages resulting from
non-payment or delay in payment of a money transfer to a Recipient
or failure to perform a transaction under the Service by reason of
any of these matters.
4.4 when you pay for a Transaction in one currency and the
Recipient is paid in another currency, there will be a difference
between the exchange rate at which we buy foreign currency and the
exchange rate provided to you. Worldremit and its Service Providers
usually make a small profit in these circumstances. If such account
is denominated in another currency the amount to be received by the
Recipient will be reduced by the amount of extra charges incurred
by reason of the incorrect information given by you and we will
have no obligation to make good such reduction;
4.5 when you are sending money under these Terms and Conditions,
it is your responsibility to make sure all the Transaction details
are accurate before submission. Once a Transaction has been
submitted for processing it is not normally possible to change any
of its details. You will be given the opportunity to confirm
Transactions before submission and you must check the details
carefully.
4.6 Worldremit will have no responsibility for any fees or
charges you may incur by the use of a particular Payment Instrument
to fund a Transaction. These may include but are not limited to
unauthorised overdraft fees imposed by banks if there are
insufficient funds in your bank account or "cash advance" fees and
additional interest which may be imposed by credit card providers
if they treat use of the Service as a cash transaction rather than
a purchase transaction;
4.7 you will only use the Service to send money to people that
you know personally and not to pay for goods or services. If, in
breach of this clause, you choose to pay third parties for goods
and services using the Service, you acknowledge that Worldremit has
no control over, and is not responsible for, the quality, safety,
legality, or delivery of such goods or services and that any such
use of the Service is entirely at your own risk. If Worldremit
reasonably believes you are using the Service to purchase goods or
services, we reserve the right to cancel your Transaction(s);
4.8 both you and the Recipients will only act on your own
behalf. You may not submit or receive a Transaction on behalf of a
third person. If you intend to submit or receive a Transaction on
behalf of a company, business or any entity other than a human
individual, you must first inform Worldremit of your desire to do
so and provide us with any additional information about the entity
we may request in order that we may decide whether to permit the
Transaction;
4.9 in using the Service you will comply with these Terms and
Conditions as well as any applicable laws, rules or regulations. It
is a breach of these Terms and Conditions to use the Service to
send money (i) to a Recipient who has violated the Terms and
Conditions, or (ii) in connection with illegal activity including
without limitation money-laundering, fraud and the funding of
terrorist organisations. If you use the Service in connection with
illegal activity, Worldremit may report you to the appropriate
legal authorities;
4.10 when using our website or the Service or when interacting
with Worldremit, with another user or with a third party, you will
not:
4.10.1 breach this Terms and Conditions, or any other agreement
between you and Worldremit;
4.10.2 open more than one account, without our prior written
permission;
4.10.3 provide false, inaccurate, or misleading information;
4.10.4 allow anyone else access to your registration details,
and will keep those details secure;
4.10.5 refuse to provide confirmation of any information you
provide to us, including proof of identity, or refuse to co-operate
in any investigation;
4.10.6 use an anonymising proxy (a tool that attempts to make
activity untraceable); or
4.10.7 copy or monitor our website using any robot, spider, or
other automatic device or manual process, without our prior written
permission.
4.11 Worldremit may, as necessary in providing the Service,
store all information required of a Recipient to prove his or her
identity or associated with their specific Transaction. 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.
5. CANCELLATION AND REFUNDS
5.1 If you have any problems using the Service you should
contact us through the channels listed at the end of this Terms and
Conditions.
5.2 You have the statutory right to cancel your agreement with
us after you have submitted a Transaction. This right of
cancellation continues until fourteen days after you have submitted
the transaction, or until we have completed the contract by paying
the Payout Amount to the Recipient, whichever is the earlier. If
you exercise your right to cancel under this clause, we may make a
cancellation charge.
5.3 If you wish to exercise your right to cancel under this
clause, you must submit a written request to one of the contact
points listed at the bottom of this Terms and Conditions, giving
the Sender's full name, address, and phone number, together with
the Transaction tracking number, Transaction Amount, and the reason
for your refund request.
5.4 Any refunds will be credited back to the same Payment
Instrument used to fund the Transaction and in the same currency.
No adjustment will be made for any currency fluctuations which may
have occurred in the meanwhile.
6. COLLECTION OF INFORMATION
6.1 Customer Identification Program. UK law
requires all financial institutions 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 require you to supply us with
personal identifying information and we may also legally consult
other sources to obtain information about you.
6.2 Verification and Checks.
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. You can be rest assured that this is done only
to confirm your identity, that a credit check is not performed and
that your credit rating will be unaffected. All information
provided by you will be treated securely and strictly in accordance
with the Data Protection Act 1998.
6.3 By accepting these Terms and Conditions you authorise us to
make any inquiries we consider necessary to validate the
information that you provide to us. We may do this directly, for
example by asking you for additional information, requiring you to
take steps to confirm ownership of your Payment Instruments or
email address; or by verifying your information against third party
databases; or through other sources.
6.4 Data Privacy Policy. You consent to our
processing your personal information for the purposes of providing
the Service, including for verification purposes as set out in this
clause. You also consent to the use of such data for communicating
with you, and for statutory, accounting and archival purposes. You
acknowledge that you have read and consented to Worldremit's Data
Privacy Policy. The Data Privacy Policy can be found by clicking
here: Data Privacy Policy.
6.5 Government Disclosures. We may be required
by law to provide information about you and your Transactions to
government or other competent authorities as described in our Data
Privacy Policy. You acknowledge and consent to our doing this.
7. INTELLECTUAL PROPERTY
7.1 The Worldremit website and the Worldremit Service, 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 Worldremit Online Site and the Worldremit
Online Service shall remain our property and/or the property of
such other third parties.
7.2 The Worldremit website and the Worldremit Service may be
used only for the purposes permitted by these Terms and Conditions
or described on this website. You are authorized solely to view and
to retain a copy of the pages of the Worldremit 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 Worldremit
website, the Worldremit 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 Worldremit website or the Worldremit Service;
and/or (b) remove or alter any copyright, trademark or other
proprietary notice or legend displayed on the Worldremit website
(or printed pages of the website). The name Worldremit and other
names and indicia of ownership of Worldremit's products and/or
services referred to on the Worldremit website are our exclusive
marks or the exclusive marks of other third parties. Other product,
service and company names appearing on the website may be
trademarks of their respective owners.
8. WARRANTIES AND LIABILITY
8.1 We will refund to you any benefit which we receive as a
result of any breach of our agreement with you (this means that,
for example, where a money transfer has failed in such
circumstances we will refund to you the Transaction Amount and the
Service Fee).
8.2 If a money transfer is delayed or fails, you may have a
right to receive a refund or compensation under laws relating to
the provision of international money transfer services. We will
provide you with the details of your rights to a refund or
compensation if you contact us using the contact details at the end
of this agreement.
8.3 Any claim for compensation made by you and/or a Recipient
(who is not registered with us) must be supported by any available
relevant documentation.
8.4 If any loss which you or a Recipient (who is not registered
with us) suffers is not covered by a right to payment under the
laws referred to in clause 8.2, we will only accept liability for
that loss up to a limit which is the greater of: (a) the amount of
any service charge; and (b) €500, unless otherwise agreed by us in
writing. Our cap on our liability only limits a claim for loss
arising out of any single transaction or related transactions, or
(if a loss does not arise out of a transaction or transactions) any
single act, omission or event or related acts, omissions or events.
This means that if, for example, you suffer loss by reason of our
failure to perform our agreement with you under two unrelated
transactions, you might be able to claim up to €1000.
8.5 We do not, in any event, accept responsibility for:
8.5.1 any failure to perform your instructions as a result of
circumstances which could reasonably be considered to be outside
our control;
8.5.2 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;
8.5.3 any losses or delays in transmission of messages arising
out of the use of any internet service provider or caused by any
browser or other software which is not under our control;
8.5.4 errors on the website or with the Service caused by
incomplete or incorrect information provided to us by you or a
third party.
8.6 Nothing in this clause 8 shall (a) exclude or limit
liability on our part for death or personal injury resulting from
our negligence; or (b) exclude liability for our fraud.
8.7 Where you are sending a money transfer to a Recipient who is
not registered with us, you agree to accept the provisions of this
clause 11 not only for yourself, but also on behalf of the
Recipient.
8.8 Your relationship is with Worldremit only. You agree that no
affiliate or agent of Worldremit owes you any duty of care when
performing a task which would otherwise have to be performed by
Worldremit under its agreement with you.
8.9 You agree to indemnify and hold harmless Worldremit, 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 your use or misuse of this
website or Service, all activities that occur under your password
or account e- mail login, your violation of this Terms and
Conditions or any other violation of the rights of another person
or party.
9. ELECTRONIC COMMUNICATIONS
9.1 You acknowledge that this Terms and Conditions shall be
entered into electronically, and that the following categories of
information ("Communications") may be provided by
electronic means:
9.1.1 This Terms and Conditions and any amendments,
modifications or supplements to it.
9.1.2 Your records of transactions through the Service.
9.1.3 Any initial, periodic or other disclosures or notices
provided in connection with the Service, including without
limitation those required by law.
9.1.4 Any customer service communications, including without
limitation communications with respect to claims of error or
unauthorised use of the Service.
9.1.5 Any other communication related to the Service or
Worldremit.
9.2 The Service does not allow for Communications to be provided
in paper format or through other non-electronic means. You may
withdraw your consent to receive Communications electronically, but
if you do, your use of the Service shall be terminated. In order to
withdraw your consent, you must contact us using our contact
information at the end of this Terms and Conditions.
9.3 In order to access and retain Communications, you must have
or have access to the following:
9.3.1 An Internet browser that supports 128-bit encryption, such
as Internet Explorer version 4.0 or above;
9.3.2 An e-mail account and e-mail software capable of
interfacing with Worldremit's e-mail servers;
9.3.3 A personal computer, operating system and
telecommunications connections to the Internet capable of
supporting the foregoing;
9.3.4 Sufficient electronic storage capacity on your computer's
hard drive or other data storage unit; and
9.3.5 A printer that is capable of printing from your browser
and e-mail software. In addition, you must promptly update us with
any change in your email address by updating your profile at http://www.worldremit.com.
10. TERMINATION
10.1 Either party may terminate this Terms and Conditions on one
day's written notice.
10.2 We may terminate this Terms and Conditions with immediate
effect if you:
10.2.1 become, or are likely to become, insolvent or are
declared bankrupt;
10.2.2 are in breach of any provision of this Terms and
Conditions;
10.2.3 your use of the Service or the website is disruptive to
our other customers, or you do anything which in our opinion is
likely to bring us into disrepute;
10.2.4 breaches or attempts to breach the security of the
website (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);
11. COMPLAINTS
11.1 If you wish to make a complaint about any aspect of the
Worldremit service, please send your complaint in writing to the
address shown on the Contact Us page or by email to
customerservice@worldremit.com.
11.2 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 of receipt of your complaint. 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
12. GENERAL
12.1 Governing law: this Agreement will be governed by English
law and the parties submit to the exclusive jurisdiction of the
English Courts.
12.2 No Waiver: The failure of Worldremit to exercise or enforce
any right or provision of the Terms and Conditions shall not
constitute a waiver of such right or provision.
12.3 Modification: We may modify this Terms and Conditions from
time to time without notice to you, except as may be required by
law. You can review the most current version of the Terms and
Conditions at any time by reviewing this website. You may terminate
your use of the Service if you do not agree with any modification
or amendment. If you use the Service after the effective date of an
amendment or modification, you shall be deemed to have accepted
that amendment or modification. You agree that you shall not modify
this Terms and Conditions and acknowledge that any attempts by you
to modify this Terms and Conditions shall be void.
12.4 Entire Agreement: This agreement constitutes the entire
agreement between the parties and supersedes all prior
understandings or agreements relating to the subject matter of this
agreement.
12.5 Severability: If any provision of the Terms and Conditions
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 Terms and Conditions as reflected in the
provision, and the other provisions of the Terms and Conditions
shall remain in full force and effect.
12.6 Any external links to third-party websites on the 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.
_________________________________
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 to friends and family and to other
people that you trust. 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 Service inappropriately,
please email us using our contact form. Similarly, if you receive any
emails, purporting to be from Worldremit, which you suspect may be
"phishing" (fake) emails, please forward them to us using our contact form.
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;
by fax at +44 (0)20 7148 6119;
or by mail at: Worldremit, attn: Customer Service, WORLDREMIT
Ltd, Kensington Centre, 66 Hammersmith Road, London, W14 8UD,
United Kingdom.