Terms and Conditions

INTRODUCTION

We (RemitPals) a trading name of Grants Paymentsolutions Limited registered in England & Wales as a private limited company.

This terms of use (together with the documents referred to in it) tells you the terms of use on which you may make use of our website http://www.remitpals.com/ (our site), whether as a guest or a user of our services. Use of our site includes accessing, browsing, or registering to use our site.

Please read these terms of use carefully before you start to use our site, as these will apply to your use of our site. We recommend that you print a copy of this for future reference.

By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms of use, you must not use our site.

OTHER APPLICABLE TERMS

These terms of use refer to the following additional terms, which also apply to your use of our site:

If you purchase services from us, Terms and conditions will also apply to your purchase of those services and we provide a copy of those when you enter into a contract with us.

CHANGES TO THESE TERMS

We may revise these terms of use at any time by amending this page.
Please check this page from time to time to take notice of any changes we made, as they are binding on you.

CHANGES TO OUR SITE

We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it.

We do not guarantee that our site, or any content on it, will be free from errors or omissions.

When you purchase a service, please read the terms and conditions for that service and the accompanying product information closely.

ACCESSING OUR SITE

Our site is made available free of charge.

We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to our site.

You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

MONEY TRANSFER SERVICE

These Terms and Conditions effective from 01 November 2014 govern the terms under which you may access and use this website and the services associated with it (together, the "Service"). By accessing and using the service, you are agreeing to 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 terms "RemitPals", "we", "us", and "our" refer to RemitPals, a trading name of Grants Paymentsolutions Ltd together with its employees, consultants, directors, successors, affiliates, and assignees. The terms "you" and "your" refer to users of the Service, whether in their capacity as Senders, Recipients, or visitors to this website. Grants Paymentsolutions Ltd is a limited company registered in England and Wales (08111736) registered address is Ceme Innovation Centre 1 Marsh Way Rainham Essex RM13 8EU. The company operates under the payment services directives as such it is registered with FCA for the provision of payment services. FSA number is 606376, and also registered with the HMRC, MLR number is 12720153.

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. To avoid been defrauded, we recommend that you only send money through our service to people you know personally. You should not use the service to send money to strangers such as people asking you to pay for services or goods online from foreign countries.

SENDING A PAYMENT

You must provide us with information which clearly identifies:

SENDER "You"

  • Full details and address
  • Payment instrument such as credit / debit card to identify you.

RECEIVER "Payee"

  • Full details of the individual to whom you are sending money.
  • Details of the payee's payment bank account.

TIMING

We will transfer your payment into the nominated beneficiary account you provided within 3 hours. If we did not receive your payment instruction before [17.00] on a business day, (or if we received it on a day which is not a business day for us), we will treat it as if we received it on the next business day. You cannot amend or cancel your instruction to us unless you give us written notice no later than the business day before the day on which we will transfer your money. "business day" means a day on which we are open for business (other than a Saturday or Sunday or a public holiday).

FEES AND CHARGES

When you are sending money, you agree to pay us, at the time we accept your instruction to send your money transfer, the fees and charges (if any) which are available on our website. When you are receiving money, we may deduct, from the money transferred to us before we make it available to you, the fees and charges (if any) set out in the written information we give you when you receive the money.

PAYMENTS

In order for us to collect payment from you, you authorise us to access, charge, or debit funds from any of the payment instruments you provide us in connection with your use of the Service (each, a "Payment Instrument") including, for example, your credit card, debit card or bank account. If your payment fails or is insufficient, you authorize us to re-try one or more times using the same or a different Payment Instrument. For example, if there are insufficient funds in your bank account at the time you submit your Transaction, we may try to debit your bank account or charge your credit card at a later time. You represent and warrant that you are the lawful owner of your Payment Instrument(s).

OTHER CHARGES

RemitPals is not responsible for any fees or charges that may be imposed by the financial institutions associated with your payment instruments. For example (without limitation), some credit card issuers may treat the use of your credit card to use the service as a "cash advance" rather than a purchase transaction, and may impose additional fees and interest rates for the transaction. RemitPals is not responsible for any non-sufficient funds charges, chargeback fees, or other similar charges that might be imposed on you by your bank, credit card issuer, or other provider.

EXCHANGE RATE

We apply the daily prevailing rate on your payment instruction when you are sending or receiving money. We usually convert your money from sterling (£) at the time of transfer so your payee receives the relevant amount in the currency of the country where the payee is located.

GENERAL

We are not obliged to perform our obligations if abnormal and unforeseeable circumstances beyond our control prevent us from doing so. You may be entitled to redress for an incorrectly executed money transfer only if you notify us without undue delay on becoming aware of it, and in any event no later than 3 days after the date of the transfer. No compensation is available from the Financial Services Compensation Scheme if we are unable to meet our obligations. Our relationship with you is not that of a bank or trustee. Neither these Terms and Conditions nor any transaction carried out under them shall confer contractual or other rights on, or be enforceable against us by, any party other than you. We are not liable for any losses not directly associated with any incident that may cause you to make a claim against us, nor are we liable for loss of profits, loss of business, loss of goodwill or any form of special damages. You agree that you are not sending or receiving a payment transfer for or in connection with any criminal or illegal purpose. You agree to help us in the discharge of our anti-money laundering, security validation and verification responsibilities by providing such information as we may request. We may use information about you to discharge our anti-money laundering, security validation and verification responsibilities, to provide our services and to manage our relationship with you. We may disclose this information to payers, payees and intermediaries in the course of providing our services or as required by Regulation EC 1781/2006 on information on the payer accompanying transfers of funds; persons with whom we share information for anti-money-laundering, security verification or validation purposes; regulatory and prosecuting authorities; service providers acting on our behalf; or [MLO Grants Paymentsolutions Ltd Ceme Innovation Centre 1 Marsh Way Rainham Essex RM13 8EU]. This may involve transfer of information to countries which do not have data protection laws as strict as those in the UK. If you wish to access or correct the information that we hold about you, please contact [our Data Protection Officer at] [Ceme Innovation Centre 1 Marsh Way Rainham Essex RM13 8EU].

LAW AND JURISDICTION

These Terms and Conditions and all matters arising from or connected with them are governed by English law. The courts of England have exclusive jurisdiction to settle any dispute arising from or connected with these Terms and Conditions (including a dispute regarding their existence, validity or termination or relating to any non-contractual or other obligation arising out of or in connection with them) or the consequences of their nullity.

INTELLECTUAL PROPERTY RIGHTS

We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made

NO RELIANCE ON INFORMATION

The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.

LIMITATION OF OUR LIABILITY

Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied.

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, our site; or
  • use of or reliance on any content displayed on our site.

If you are a business user, please note that in particular, we will not be liable for:

  • loss of profits, sales, business, or revenue;
  • business interruption;
  • loss of anticipated savings;
  • loss of business opportunity, goodwill or reputation; or
  • any indirect or consequential loss or damage.

If you are a consumer user, please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any services to you, which will be set out in the terms and conditions we send you when you purchase services from us.

VIRUSES

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access our site. You should use your own virus protection software.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

LINKING TO OUR SITE

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our site in any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

We reserve the right to withdraw linking permission without notice.

The website in which you are linking must comply in all respects with the content standards set out in our Acceptable Use Policy https://www.remitpals.com/index/acceptableusepolicy

If you wish to make any use of content on our site other than that set out above, please contact customers@remitpals.com

THIRD PARTY LINKS AND RESOURCES IN OUR SITE

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only.

We have no control over the contents of those sites or resources.

COMPLAINTS

Please tell us if you have any problems with our service: we will seek to resolve your complaint as quickly as possible. If you are not happy with our response, or if we have not finished investigating your complaint after 8 weeks, you may be able to refer your complaint to The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.

CONTACT US

To contact us, please email customers@remitpals.com

Thank you for visiting our site.