PLEASE READ CAREFULLY. THIS IS PART OF A LEGALLY BINDING AGREEMENT THAT WILL AFFECT YOUR LEGAL RIGHTS.
The agreement is between you and Jalloh Enterprise (Cash Minute) whose company registration number is 05183966 and whose registered office is situated at Suite 412 Wigham House, 16-30 Wakering Road, Barking, Essex, IG11 8QN, the United Kingdom of Great Britain and Northern Ireland (the 'UK'). Cash Minute LTD is regulated by the Financial Conduct Authority (the 'FCA') of the UK and is entered into the FCA register with register number: 507189
The Transfer will normally be paid in cash but also, where available and if so directed by you, to a bank account (an 'Account').
A Transfer will normally be available for collection by the Beneficiary during the hours of operation at the selected Correspondent's location after payment approval and completion of necessary checks. However, Transfers may be subject to delay due to availability, conditions in the destination country, or regulatory requirements. Cash Minute LTD cannot be held responsible for delays caused by these factors.
If you have directed delivery to an Account, Cash Minute makes no representation as to when the bank maintaining the Account will credit the Account. 2.4 Any requests for transaction received by a Correspondent after 16:00 on a Business Day will be treated as requests received on the following Business Day.
The Transfer does not constitute a deposit or electronic money. Neither you nor the Beneficiary holds a payment account with Cash Minute LTD
You may be required to present valid identification ('ID') in order to complete the transaction. Furthermore, Cash Minute may also require you to present further documentation and/or provide further information in order to complete the transaction.
Notwithstanding Clause 3.1:
Where a single transaction or the total aggregate value of your transactions in any 30 day period exceeds the pound sterling equivalent of €1,000.00 (including any fee), you will be required to provide Cash Minute with an original form of valid ID.
Where a single transaction or the total aggregate value of your transactions in any 30 day period exceeds £4,000.00 (including any fee), you will be required to provide Cash Minute with an original form of valid ID and an explanation of the source of those funds.
Where a single transaction or the total aggregate value of your transactions in any 30 day period exceeds £5,000.00 (including any fee) you will be required to provide Cash Minute with an original form of valid ID an explanation of the source of those funds and proof of the source of those funds.
You may request that the Correspondent provides you with information on the currency or currencies available in the Beneficiary's country.
In addition to the transaction fee applicable to the transaction where you request a currency conversion, Cash Minute will apply a currency exchange rate (the 'Exchange Rate') to convert the Transfer to the currency of the destination country as set out on the front of the Form.
Any monies arising from the difference (if any) between the Exchange Rate and the exchange rate received by Cash Minute will be kept by Cash Minute and/or its Correspondents.
If at the time of collection the Beneficiary requests that the Transfer is paid out in a different currency to the one specified by you, the Correspondent may charge an additional fee. This exchange is a separate transaction between the Beneficiary and the Correspondent and does not form part of the Service.
Unless payment to the Beneficiary has already been made, Cash Minute shall, within 15 Business Days, refund to you the amount to be transferred less applicable fees and service charges on the condition that you provide Cash Minute a copy of a valid receipt and present valid ID. A receipt is not valid unless the corresponding transaction is processed through CashMinutés computerized system and contains the computer generated imprint of the Correspondent's name and address, and the correct order number.
If an incorrectly executed transaction is made, you must inform Cash Minute on becoming aware of such a transaction and no later than 3 months after the date of the transaction otherwise Cash Minute will not correct the transaction unless the information about the transaction was not provided or made available by Cash Minute as required by law. You can inform Cash Minute through its Customer Services whose contact details are set out in Clause 13.
If you provide Cash Minute with incorrect information in the form regarding the Beneficiary, Cash Minute will not be liable for the non -execution or the defective execution of the transaction. However, Cash Minute will make all reasonable efforts to recover the Transfer. Cash Minute may charge you for the recovery of the Transfer.
Except as provided below Cash Minute shall not be liable for any amount in excess of the amount equal to the principal transfer amount and the fees paid by you. Cash Minute accepts no liability for services delays or any failure to perform the transaction in accordance with your instructions due to local regulations or circumstances outside its control. Cash Minute will not be liable for any indirect or consequential loss. Cash Minute will not be responsible for goods and services that may be paid for by a Transfer.
Nothing in this Clause 6 will limit Cash Minute LTD liability for: (i) death or personal injury from its negligence; or (ii) fraud committed by Cash Minute LTD
Cash Minute will use the information provided by you to provide you with the Service and to manage its ongoing relationship with you. Consistent with this purpose Cash Minute may transfer and store your personal information outside the EEA. Cash Minute may share this information with its affiliated companies and the Correspondents but will not share it with a third party except as required by law or as authorized by you. You have a right to request a copy of personal information that Cash Minute holds about you and to require Cash Minute correct any inaccuracies in that information.
If you need to make a complaint relating to the Service please contact Cash Minute LTD Customer Services by telephone, post or email as set out in Clause 13.
If Cash Minute is unable to resolve your complaint you may also complain to the Financial Ombudsman Services by post addressing your complaint to the Financial Ombudsman Services, South Quay Plaza, 183 Marsh Wall, London E14 9SR, by telephone on 0845 080 1800 or by email at email@example.com. The Financial Ombudsman Service's website is www.financial-ombudsman.org.uk. Please note that the Financial Ombudsman Service has a multilingual capability for dealing with complaints.
Any defined words or phrases used in the T&C that are not defined here are defined in the Terms.
You agree that that the agreement includes only the Terms and the T&C and is the entire agreement and understanding between you and Cash Minute and supersedes and terminates any prior agreement between you and Cash Minute LTD.
OUR RIGHT TO REFUSE, SUSPEND OR CANCEL
We may refuse any Transaction Request, Payment Request or Transaction at any time for any reason (or cancel it where relevant). Notwithstanding this, we set out here some examples of when that may occur. a) We are unable to obtain satisfactory evidence of your identity; b) We have reason to believe that the information in the documentation provided by you is incorrect, unauthorized or forged; c) You provide us with incorrect or incomplete information; d) Where we believe that the Service is being used, whether by you or the Recipient, in furtherance of illegal, fraudulent or prohibited activities.
We may, in our absolute discretion, refuse or cancel Transaction Requests or Transactions from certain Senders or to certain Payees, including but not limited to entities and individuals on restricted or prohibited lists issued from time to time by any government authorities, if we are required to do so by law, or where we have reason to believe processing the Transaction Requests would violate anti-money laundering or counter-terrorism financing laws and regulations. We may refuse to process a Transaction funded from certain Payment Instruments where we have reason to believe the security of the Payment Instrument has been compromised or where we suspect the unauthorized or fraudulent use of the Payment Instrument.
We may, in our absolute discretion, refuse or cancel Transaction Requests or Transactions if Jalloh Enterprise believes you are using the Service to purchase goods or services from third parties you do not know or trust.
We may, in our absolute discretion, refuse or cancel Transaction Requests, Payment Requests or Transactions if: a) Jalloh Enterprise is unable to verify your identity; b) Jalloh Enterprise is unable to verify the identity of the Recipient; c) You do not comply with information requests pursuant to clause; or d) Jalloh Enterprise reasonably believes you are using the Service, or allowing it to be used, in breach of these Terms and Conditions or any applicable laws, rules or regulations.
Where Jalloh Enterprise has refused or cancelled a Transaction Request, Transaction or Payment Request, Jalloh Enterprise may also, at its discretion, temporarily or permanently suspend your Registration.
Where Jalloh Enterprise temporarily or permanently suspends your Registration, or refuses or cancels a Transaction Request, Payment Requestor a Transaction in accordance with this clause, Jalloh Enterprise shall be entitled to retain any Service Fees already incurred.
In order to comply with our obligations under relevant laws, we reserve the right to ask for further information or evidence relating to the purpose of a Transaction.
RIGHTS OF THIRD PARTIES
A person who is not a party to the agreement will not have any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any provision of the agreement.
In the event any provision (or part provision) of the agreement (whether in the Terms or the T&C) is held by any court or authority of competent jurisdiction to be invalid, illegal or unenforceable that provision or part-provision will, to the extent required, be deemed not to form part of the agreement, and the validity and enforceability of the other provisions of the agreement will not be affected.
LANGUAGE, GOVERNING LAW & JURISDICTION
Where Cash Minute provides you with a translation of the English version of the Terms or the T&C, you agree that the translation is only for your convenience. The English version of the Terms and the T&C will govern the provision of the Service by Cash Minute to you.
The agreement is to be construed in accordance with the law of England and Wales and any dispute with respect to the agreement is to be subject to the exclusive jurisdiction of the English courts.
Cash Minute LTD' s Customer Services may be contacted by telephone on 020 8591 5916 or by mail l at firstname.lastname@example.org