Canada Terms

0 &lt;iframe src="" height="0" width="0" style="display:none;visibility:hidden"&gt;&lt;/iframe&gt. <br> Terms and conditions<p> <strong>These Terms and Conditions are intended for Customers of Interpay Limited. If You are not resident in Canada You should click <u>here</u> for the applicable Terms and Conditions</strong> </p> <strong>1. Definitions:</strong> <br> <p>“Account” means the online Transfermate account which must be opened with Us before availing of the Transaction Service, whether accessed via the Website or using Our API.</p> <p>“Anti-Money Laundering Policy” means the policy set out at Schedule 2 which sets out inter alia Our compliance with the regulations, legislation, codes, guidelines and any other regulatory directions of any jurisdiction which govern anti-money laundering and countering the financing of terrorism. </p> <p>“Beneficiary” means the intended recipient of the Payment Transaction who will either be notified to Us by You or may be an existing customer of Ours who requests Us to work with You to make a Reactive Payment.</p> <p>“Booking Reference” means the reference number specific to Your Payment Transaction which We will give You, which will enable both You and Us to identify the Payment Transaction.</p> <p>“Business Day” means any day We are open for business for the purposes of executing Payment Transactions, excludes Saturday and Sunday, and may exclude national holidays or legal holidays in countries impacted by the Payment Transaction.</p> <p>“Confidential Information” means all information in whatever form or method of disclosure, that is disclosed by one party to the other party, whether or not marked as confidential, to the extent a reasonable person would consider such information as confidential.</p> <p>“Contract” means the agreement formed between You and Us regarding a Payment Transaction which is subject to these Terms and Conditions.</p> <p>"Effective Date" means 5th of May 2020.</p> <p>“Final Transfer” means the transfer of funds by Transfermate into the account of the Beneficiary.</p> <p>“Funding Account” means the account in which You nominate to fund the Lodgement to the Transfermate Nominated Account.</p> <p>“Future Dated Payment” is a payment whereby Your Order requires, and We agree, that the Payment Transaction should not be made at the earliest possible date, but at some future date as advised by You to Us.</p> <p>“Intellectual Property Rights” or “IPR” means all intellectual property rights, including patents, supplementary protection certificates, petty patents, utility models, trademarks, database rights, rights in designs, copyrights (including rights in computer software) and topography rights (whether or not any of these rights are registered, and including applications and the right to apply for registration of any such rights) and all rights and forms of protection of a similar nature or having equivalent or similar effect to any of these which may subsist anywhere in the world, in each case for their full term, and together with any renewals or extensions.</p> <p>“Lodgement” means the transfer of funds from Your Funding Account to the Transfermate Nominated Account following the formation of the Contract in respect of the Payment Transaction.</p> <p>“Order” means the request from You to Us to undertake a Payment Transaction.</p> <p>“Payment Transaction” refers to the agreement for Us to effect a funds transfer on Your behalf whether at a live exchange rate, a pre-agreed exchange rate or without a foreign exchange element.</p> <p>“Reactive Payment” means a Payment Transaction which You have been requested to make by a customer of Transfermate using the Receivables Service, on whose behalf We have contacted You.</p> <p>“Receivables Service” means the facility offered by Us as set out at Schedule 4, whereby We enable third parties to make a Reactive Payment to You, whereby You are the Beneficiary of the Payment Transaction.</p> <p>“Same Day Processing” refers to Our ability to process a Payment Transaction on the same Business Day as the day on which Your Lodgement is received by Us in cleared funds in the Nominated Account. </p> <p>“Schedule(s)” refer to the additional documents which supplement these Terms and Conditions, and where stated form part of the Agreement between You and Transfermate, all of which are accessible on the Website.</p> <p>“Transaction Service” means the services provided by Us over the telephone or email, via Your Account or otherwise accessed on the Website, which enable You to make Payment Transactions and avail of Receivables Service (where applicable).</p> <p>“Transfermate”, “We”, “Us” or “Our” mean Interpay Limited trading as TransferMate, TransferMate Global Payments, Transfermate Education and such other names under which We may from time to time do business as, whether such name is registered or unregistered. Our Registered Office is Suite 2300 – 550, Burrard Street, Bentall 5, Box 30, Vancouver BC V6C 2B5, Canada. We are registered in Canada and Our Company Registration Number is BC0898405. We are a Registered MSB ("Money Service Business") with the Financial Transactions and Reporting Analysis Centre of Canada (FINTRAC). We also hold licenses in additional jurisdictions, such as the Republic of Ireland, United States of America, Australia and New Zealand, further details of which can be found on Our website, </p> <p>“Transfermate Nominated Account” means Our bank account to which Your Lodgement is required to be made.</p> <p>”Users” means You or the individual(s) (or company) which You have notified to Us and who are permitted by You to place the Order.</p> <p>“Website” means</p> <p>“You”, “Your” means the legal or natural person in whose name these Terms and Conditions are entered with Us, and includes where the context so permits, Your Users and authorised agents.</p> <strong>2.Introduction &amp. Basic Description of Service</strong> <ul> <li>2.1. These Terms and Conditions, with effect from the Effective Date: <ul> <li>2.1.1. govern the opening, use and closure of the Transaction Service and all accounts, services, programs, information and products related to the Transaction Service that You may use or access from time to time;</li> <li>2.1.2. require You to confirm that You have read, accepted and understand You are legally bound by said Terms and Conditions on each occasion where You ask Us to perform, and We agree to perform, a foreign exchange transaction on Your behalf following an Order from You;</li> <li>2.1.3. may only be entered by You where You have the corporate power and / or legal capacity (meaning in the case of a natural person, being over 18 years of age) to enter a legally binding agreement and to perform Your obligations hereunder;</li> <li>2.1.4. operate together with the Schedules and any other instruments in writing, including agreements in writing which amend the Schedules, to constitute the legal relationship between You and Us (collectively the “<strong>Agreement</strong>”);</li> <li>2.1.5. are available for download in PDF or Word Format;</li> <li>2.1.6. may also be emailed or posted to You free of charge on request. and</li> <li>2.1.7. shall be made available by Us in the English language only.</li> </ul> </li> <br> <li>2.2. For the use of additional services such as the Receivables Service, You have to agree to these Terms and Conditions and: </li> <ul> <li>2.2.1. enter a specific agreement with Us in writing which may or may not incorporate these Terms and Conditions. or </li> <li>2.2.2. confirm by use of the additional services (such as the Receivables Service) that You have read and accepted the terms applicable to the additional service (such as those set out at Schedule 4 in respect of the Receivables Service).</li> </ul> </ul> <strong>3. Modification:</strong> <ul> <li>3.1. We may modify these Terms and Conditions at any time for any reason including to meet legal or any other requirements, without any prior notice and:</li> <ul> <li>3.1.1. We will insert a notice on the Website highlighting that the Terms and Conditions have been modified and it is Your obligation to ensure You have read and understood the applicable Terms and Conditions before entering a Contract with Us;</li> <li>3.1.2. any such modification will apply with immediate effect to any new Contract entered between You and Us, and Your continued use of or access to the Transaction Service and/or the Website shall be deemed as Your acceptance of the modified Terms and Conditions.</li> <li>3.1.3. If, prior to entering a Payment Transaction, You do not agree with the modified Terms and Conditions, You are free not to continue with the Payment Transaction and to desist from further use of the Transaction Service without any further liability to You. This will not affect any obligations You owe to Us, or Our rights with regard to any existing Contracts.</li> </ul> </ul> <strong>4. Description of the Transaction Service and Account Opening Process</strong> <ul> <li>4.1. We provide money remittance services with a foreign exchange element.</li> <br> <li>4.2. You must complete an application to open an Account with Us, provide all required documentation and information to Us, and confirm compliance with Our Anti-Money Laundering Policy (as detailed in Clause 4.3). In addition to requesting documentation and information from You, We will complete additional checks to verify Your identity, these additional checks include but are not limited to, credit reference checks, sanctions check, news checks and checks of other available information sources. By applying to use the Transaction Service You consent to Us using any additional checks We deem appropriate. All such checks will be conducted in accordance with Our Privacy Policy. Until these processes have been completed to Our satisfaction, (collectively the “Account Opening Process”), You will be unable to request to effect a Payment Transaction. </li> <br> <li>4.3.Our Anti Money Laundering Policy, as may be modified by Us from time to time, forms a core part of the Account Opening Process and is set out at Schedule 2. We are entitled to inter-alia verify Your identity or the identity of the Users. We reserve the right to refuse to accept an Order until We are satisfied as to the matters on which We have sought clarification and verification. You undertake that You will observe all applicable laws and regulations, including Anti-Money Laundering, Countering the Financing of Terrorism and Exchange Control laws and regulations, in relation to any request by Us and will use all reasonable endeavours to assist Us to do likewise. In particular, You warrant that the information given by You is accurate and that the Lodgement will not constituent a breach of any Anti-Money Laundering and Exchange Control Laws and regulations.</li> <br> <li>4.4. Some legal or regulatory authorities may require additional documents and information regarding You, Users or particular Payment Transactions. You agree to supply all such documents and information, which any legal or regulatory authority may require. </li> <br> <li>4.5. Upon completion of Our Account Opening Process You shall have an Account in operation with Us, however until You take the steps set out at Clauses 5 and 6 to conclude a Payment Transaction, neither party shall have any financial obligations towards the other party, nor are the parties under any legal obligation to conclude Payment Transactions.</li> </ul> <strong>5. Placing an Order</strong> <ul> <li>5.1. To conclude a Payment Transaction, You must first place an Order by: <ul> <li>5.1.1. using the means set out at Clause 5.2 to request Us to: <ul> <li> purchase a specified amount of foreign currency for You. or </li> <li> pay funds to a Beneficiary in Your local currency. and</li> </ul> </li> <li>5.1.2. providing Us with: <ul> <li> Your nominated Funding Account, including names, numbers and particulars of the account holders. </li> <li> amount to be transferred and the currency in which the Payment Transaction is to be effected;</li> <li> full Beneficiary details where We do not already have these on the Account, though in certain circumstances this can be provided after the Order is placed;</li> <li> the purpose for making the Payment Transaction;</li> <li> the date on which You want Us to make the Future Dated Payment (if this facility is available). and</li> <li> such other information or documentation that We may require, including but not limited to specific requirements in some jurisdictions (such as those required for currency control reasons).</li> </ul> </li> </ul> </li> <br> <li>5.2. The means by which You may place an Order are by providing the information set out at Clause 5.1, adhering to the Security Guidelines (Schedule 5), and contacting Us: <ul> <li>5.2.1. over the telephone by a User (calls are typically recorded – for more information on this see Clause 10.1.2);</li> <li>5.2.2. By email. or</li> <li>5.2.3. By logging into Your Account. </li> </ul> </li> <br> <li>5.3. You are solely responsible for ensuring that all details You provide at Clause 5.1 are correct. We will do everything We reasonably can to rectify any errors, inaccuracies or omissions in Your Order once you make us so aware, but this may lead to a delay or failure in processing Your Order. We will not be liable for any loss, damage, cost or expense suffered by You or any party as a result of any such errors, inaccuracies or omissions in Your placement of an Order.</li> <br> <li>5.4. We may act on an Order from, or purporting to be from, You or the Users, until We have received prior written notice to the contrary and a reasonable opportunity to act on such notice. Any reference to the means by which We may receive an Order from You or Users includes, but shall not be limited to those means set out at 5.2.</li> </ul> <strong>6. Concluding a Payment Transaction</strong> <ul> <li>6.1. Your Order constitutes an invitation from You for Us to negotiate a Payment Transaction with You. Our response to Your Order (by the means set out at Clause 6.2) represents a legal offer from Us for You to enter a Payment Transaction subject to certain conditions set out in the offer. This offer must be accepted by You, following which the Contract is formed subject to these Terms and Conditions. Confirmation of the Contract shall be emailed to You (the “<strong>Booking Confirmation</strong>”) by Us after the Contract has been formed.</li> <br> <li>6.2. This Contract can be concluded by following the means of placing an Order set out at Clause 5.2, though We reserve Our right to engage with You by whatever means We deem most appropriate in concluding the Contract. In each instance, Your acceptance, by whatever means, serves as Your acceptance these Terms and Conditions as governing the offer made by Transfermate to enter the Contract for a Payment Transaction.</li> <br> <li>6.3. Non-negotiation of Orders: <ul> <li>6.3.1. We reserve the right to request further documents and information before entering negotiations with You in respect of an Order. </li> <li>6.3.2. Payment Transactions are subject to a minimum and maximum transaction value determined by Us, and We may decline to negotiate an Order which falls outside of these value points, notwithstanding that prior Orders of equivalent value were not declined. and</li> <li>6.3.3. We may notify You of Our refusal to negotiate an Order without giving any reason. We will have no liability to You as a result of doing so. </li> </ul> </li> <br> <li>6.4. Cancellation of Payment Transactions: <ul> <li>6.4.1. In the event of Your having formed a Contract with Us in error, You are advised to contact Us immediately on receipt of the Booking Confirmation requesting the Contract to be cancelled. Any loss arising on such cancellation will be charged to You and payable by You, and there may be additional cancellation fees attaching to Your request as set out in the Standard Fee Schedule or otherwise negotiated.</li> </ul> </li> <br> <li>6.5. Non-execution or Delays in Payment Transactions: <ul> <li>6.5.1. Notwithstanding the formation of a Contract, We hereby reserve a contractual right to delay or not to complete the execution of the Payment Transaction in instances where: <ul> <li> abnormal and unforeseeable circumstances beyond Our control or prohibit or limit Us executing the Payment Transaction;</li> <li> legal obligations covered by applicable laws and regulations make the execution of the Payment Transaction a potentially illegal or non-compliant action;</li> <li> Our Anti-Money Laundering Policy requires so, or where any requirement under our Anti-Money Laundering Policy cannot be met to Our satisfaction;</li> <li> due to the automation of the Transaction Service, errors in quoted rates may have occurred leading to the provision to You of erroneous rates at the time of placing the Order. or</li> <li> errors, inaccuracies or omissions in Your Order may mean that a Payment Transaction cannot be completed (meaning Our making the Final Transfer) as scheduled.</li> </ul> </li> <li>6.5.2. We shall endeavour to inform You as soon as possible in the event of non-execution of the Payment Transaction as set out in Clause 6.5.1 and in any event no later than the next Business Day, together with the reason for the failure unless We are prevented (in our sole discretion) from disclosing same to You. We shall endeavour to complete the Payment Transaction if the impediment preventing execution can be removed, or where applicable, when the errors, inaccuracies or omissions are corrected.</li> <li>6.5.3. Where the provisions of Clause 6.5.1 lead to the non-completion of or a delay in execution of a Payment Transaction, any commitments provided by Us as to the timing of making the Final Transfer may be adversely impacted, and therefore We accept no liability for the non-completion of, or a delay to completing, a Payment Transaction.</li> </ul> <br> </li> <li>6.6. Effecting the Lodgement: <ul> <li>6.6.1. Under these Terms and Conditions which govern the Contract, You are legally obliged to complete the Lodgement of the agreed amount with the Booking Reference within 2 Business Days of the date on which the Contract is entered (the “<strong>Settlement Date</strong>”). Accordingly, this Contract is suitable only if You are able to deliver, on or before the Settlement Date, the Lodgement in the currency/funds You have agreed to buy from Us.</li> <li>6.6.2. Delivery of the Lodgement shall be by use of <u>one of the two methods set out at Clause 7</u>. Under no circumstances shall We accept a Lodgement by any other means, even if We have previously permitted such alternative means of making a Lodgement.</li> <li>6.6.3. A failure by You to make the Lodgement in full and by the Settlement Date is a breach of the Contract, in which event We will close out the Contact at its then prevailing market rates and any loss or costs incurred by Us as a result of Your contractual breach shall be recoverable in full from You on demand by Us, including additional cancellation fees attaching to Your request as set out in the Standard Fee Schedule or otherwise negotiated. Late or incomplete settlement shall incur default interest on the total amount due, at a compound rate of 5% per annum, calculated daily and payable to Us on the date payment is made.</li> </ul> </li> <br> <li> 6.7. Processing the Final Transfer: <ul> <li>6.7.1. The time at which We receive the Lodgement in cleared funds in the Nominated Account determines the time at which We can process the Payment Transaction. Same Day Processing is possible in respect of certain currency transfers and dependent on applicable time zones, however We undertake that We shall process the Payment Transaction and make the Final Transfer no later than the next Business Day following the receipt of the Lodgement in cleared funds.</li> <li>6.7.2. The amount credited by way of Final Transfer to the Beneficiary will be net of fees, charges, commissions and any interest due.</li> </ul> </li> <br> <li>6.8. A confirmation of the Final Transfer (the “<strong>Payment Confirmation</strong>”) will be issued to Your nominated email address. If You do not receive a Payment Confirmation within 24 hours of the date on which the Lodgement is made or within 4 Business Days from the date of the Contract was entered, You are obliged to contact Us. The Payment Confirmation will detail (where applicable): <ul> <li>6.8.1. the Booking Reference, which enables You to identify the Payment Transaction, which shall also be provided to the Beneficiary unless You expressly request Us not to make such disclosure. By hereby permitting such disclosure, You agree to hold Us harmless for any damage or loss suffered by You resulting from enquiries from the Beneficiary or any holder of the Booking Reference. We represent and warrant that We will exercise ordinary care in releasing this information.</li> <li>6.8.2. the date on which the Payment Transaction was effected;</li> <li>6.8.3. the value date of the Payment Transaction;</li> <li>6.8.4. a breakdown of the fees and charges payable by You;</li> <li>6.8.5. the exchange rate used and the amount of the Final Transfer after the currency conversion. and</li> <li>6.8.6. additional and further information as may be requested by You subject to an additional charge.</li> </ul> </li> <br> <li>6.9. Upon You becoming aware of any unauthorised or incorrectly executed Payment Transaction, You must notify Us without delay. Where We establish that the Payment Transaction was erroneously effected by Us, We shall refund to You, the amount of the erroneous Payment Transaction plus any charges thereon.</li> <br> <li>6.10. You irrevocably agree that We may retain any Lodgements transmitted to Us pursuant to these Terms and Conditions if We learn that there is a suspicion that You may have breached any laws or regulations, or if We are required to do so by any legal or regulatory authorities. Such retained Lodgements shall not bear interest against Us.</li> </ul> <strong>7. Funding the Transfermate Nominated Account</strong> <ul> <li>7.1. By Wire Transfer or Electronic Funds Transfer: <ul> <li>7.1.1. The default mechanism by which You are expected to make the Lodgement is by payment of a wire transfer or electronic funds transfer in the currency agreed.</li> <li>7.1.2. We will provide You with the requisite details of the Transfermate Nominated Account at the time at which the Contract is agreed, and it is Your obligation to ensure You use the correct Transfermate Nominated Account.</li> </ul> </li> <br> <li> 7.2. By Direct Debit (‘DD’) or Automated Clearing House (‘ACH’) payments:</li> <ul> <li>7.2.1. This option is not available to You if You are a Sole Trader or personal customer.</li> <li>7.2.2. In certain regions (as may be notified to You at the time of placing the Order) it is an option for You to make the Lodgement by way of DD/ACH payment, however We are under no obligation to provide You with this option and require that You make at least one transfer by the means set out at Clause 7.1.</li> <li>7.2.3. It is imperative that You ensure that all details supplied by You on the direct debit mandate agreements or ACH equivalent (the “Mandate”) are correct and valid, and that only authorised signatories on the Your Funding Account have signed this Mandate, and confirm You shall indemnify Us for any losses incurred by Us as a result of errors made by You on the mandate.</li> <li>7.2.4. You are obliged to ensure that (1) there are sufficient funds in Your Funding Account to meet the direct debit payment and (2) sufficient funds remain in Your Funding Account until the direct debit has cleared and settled in to the TransferMate Nominated Account. If a Lodgement by way of DD/ACH does not reach Transfermate Nominated Account due to insufficient funds or for any other reason, You must then complete the Lodgement by way of wire transfer to Us so that the Lodgement is not delayed. Transfermate shall never facilitate a shortfall from You, nor do we offer any credit facility where You are delayed in completing a Lodgement.</li> <li>7.2.5. We reserve the right to revoke the option of making Lodgements by DD/ACH payments where any DD/ACH payment made by You is reversed from the Transfermate Nominated Account.</li> <li>7.2.6. We reserve the right to limit the amount of funds to be taken by Mandate.</li> <li>7.2.7. If a DD Mandate is inactive for a period of 9 months or more, We reserve the right to deactivate the option to pay by DD/ACH without prior notice to You or to request You to update the Mandate.</li> <li>7.2.8. In order to cancel a Mandate, You must contact Your bank to cancel. Transfermate cannot do this on Your behalf.</li> </ul> <br> <li>7.3. Other than by availing of the means set out at Clauses 7.1 and 7.2, no other means is available for funding the Transfermate Nominated Account. Specifically We do not accept cash, cheques or any equivalent. Any attempts by You to make the Lodgement by any such prohibited means shall be invalid under the Contract, causing a delay and potentially a breach of the Contract.</li> <br> <li>7.4. Unless otherwise agreed with You, We do not have nor do We request, any access to the Funding Account and shall not unilaterally debit funds from Your Funding Account. You must initiate the Lodgement to the Transfermate Nominated Account.</li> <br> <li>7.5. We reserve the right to reject funding from sources that We may reasonably believe or suspect may breach the laws and regulations of any jurisdiction, or that would meet the standards in Our Anti-Money Laundering Policy.</li> <br> <li>7.6.You agree and acknowledge that We may refuse to accept or return any payment of money from a third party or from any account of a third party, and that Transfermate does not accept liability or responsibility for any loss, cost or expense incurred or suffered by You in connection with such non-acceptance or return, including because You are subsequently in default of your obligations to Us.</li> <br> <li>7.7. In the event that We have completed the Final Transfer before receiving cleared and settled funds from You, including for example where a DD/ACH payment is reversed, a DD request is cancelled or a payment is disputed , You will be liable to pay Us the amount of the Final Transfer plus interest at the rate of 5% per annum.</li> <br> <li>7.8. Transfermate is not responsible for any fees or charges that may be imposed by the financial institutions associated with the payment facilities You nominate.</li> </ul> <strong>8. Reactive Payments</strong> <ul> <li>8.1. In certain circumstances We may contact You by email, or such other means as are open to Us (the “Collection Email”), on behalf of a third party (the “Biller”) who has requested that We provide You with an option to discharge an invoice (meaning for this purpose an invoice, bill or other contractual debt due to the Biller) by way of the Transaction Service. Alternatively, the Collection Email may be issued to You directly by the Biller. This Collection Email typically includes a link to a secure section of the Website (the “Portal”) and a request for You from, or on behalf of, the Biller to make a Reactive Payment in order to settle the invoice from the Biller;</li> <br> <li>8.2. You are under no obligation to Us to make the Reactive Payment – this is a matter between You and the Biller. However should You wish to make the Reactive Payment, it is incumbent on You to ensure that You make it in the currency quoted on the Portal and a failure to do this shall result in the Payment Transaction being rejected, a potential breach of Your obligation to the Biller to discharge the invoice, and Your incurring additional fees and charges if We are required to perform an additional currency exchange. </li> <br> <li>8.3. If You are satisfied to make the Reactive Payment, You are required to go to the Portal or take such other steps as specified in the Collection Email and complete the Payment Transaction by strictly adhering to the requirements detailed by Us on the Portal or within the Collection Email.</li> <br> <li>8.4. You may be required to open an Account with Us in accordance with Clause 4 before making the Reactive Payment. We shall make it clear at the time of opening the Account whether the steps You are asked to undertake enable You to make a single Reactive Payment only, in some case without a foreign exchange element, or whether in undertaking the steps, You have effectively opened an Account with Us, enabling You to make full use of the Transaction Service.</li> <br> <li>8.5. The options available to You as to how You make the Reactive Payment shall vary according to the instructions of the Biller, the applicable currency and Your location. We make no warranty or commitment as to the specific steps required to make a Reactive Payment. These shall be explained on the Portal and/or the Collection Email.</li> </ul> <strong>9. Charges, Interest and Exchange rates</strong> <ul> <li>9.1. The current charges, interest and other fees, applicable to the Transaction Service are set out the Standard Fee Schedule.</li> <br> <li>9.2. We reserve the right to make changes to the Standard Fee Schedule from time to time and You will be asked to confirm Your agreement with the fees applicable prior to the entry of the Contract.</li> <br> <li>9.3. The then in force Standard Fee Schedule shall apply to each Contract You enter with Us, however a Contract already entered will not be impacted if changes to the Standard Fee Schedule take effect after the date the Contract is entered.</li> </ul> <strong>10.Communications, Users Access and Security</strong> <ul> <li>10.1. Communications: <ul> <li>10.1.1. All communications between You (and where the context so permits, Your User) and Us shall be by email or telephone. In addition You have the option of communicating with Us through the Website via live chat, however no Orders may be placed by using live chat.</li> <li>10.1.2. Telephone calls (which for this purpose includes calls on fixed landlines, Skype calls or mobile lines) with You are typically recorded to protect both Your and Our own interests in the event of a dispute and You consent to such recordings being made. For technical reasons it is not always possible for Us to record all telephone calls. The telephone recordings will, where available and once a transcript is furnished to You following prior request, be accepted as evidence of the instructions or communications recorded, and may be used as evidence in any dispute, action, proceedings involving the use by You of the Transaction Service. The absence of a telephone call recording shall not be deemed as detrimental in any such dispute, and in such circumstances, We are entitled to rely on an undisputed Booking Confirmation.</li> </ul> </li> <br> <li>10.2. User Set Up and Monitoring: <ul> <li>10.2.1. Before getting access to the Transaction Service, You shall notify Us of the Users that You require to be set up on the Transaction Service, unless You are a Sole Trader or personal customer, in which case it is understood that the only User of the Transaction Service shall be You, unless You place a request to the contrary. </li> <li>10.2.2. All Users must be approved and registered by Us before using the Transaction Service. Access to the Transaction Service shall be restricted to approved Users and We reserve the right at any time to refuse the appointment or continuation of a User without reason.</li> <li>10.2.3. You are required to notify Us immediately if there are any changes to the list of Users.</li> <li>10.2.4. You shall ensure each User is trustworthy, has the legal authority to access the Transaction System, and will adhere to the Security Guidelines (Schedule 5). The selection of a User is at Your own risk and We are under no obligation to conduct checks on Your Users or oversee a User’s activity on the Account. </li> <li>10.2.5. By accepting these Terms and Conditions You are confirming that each User You appoint shall have all necessary authority to use the Account and the Transaction Service.</li> <li>10.2.6. Until You have provided notice to Us to the contrary, We may continue to assume that all Users have authority to use the Account and the Transaction Service and execute legal binding transactions with Us.</li> <li>10.2.7. You hereby indemnify and agree to hold Us harmless in respect of any loss incurred by a User entering into a Contract or other transaction contemplated under this Agreement.</li> <li>10.2.8. You will take reasonable steps to ensure that each User complies in full with this Agreement</li> </ul> </li> <br> <li>10.3. Access and Passwords: <ul> <li>10.3.1. Upon opening an Account or adding a User, You / the User shall be required to select a username and a password. The password must comply with the Security Guidelines.</li> <li>10.3.2. Upon logging into the Account by providing the username and the corresponding password, access will be granted to You and We will not be required to take any further steps to verify that the person accessing the Account is Your User. </li> <li>10.3.3. Each User's registration is for that User only. Users are prohibited from sharing their username and password with any other person, and to do so shall be treated as a material breach of these Terms and Conditions by You.</li> <li>10.3.4. If You forget Your password, You must contact Us and, upon satisfactory completion of verification procedures, We shall issue You with a new password via email.</li> </ul> </li> <br> <li>10.4. Safeguards and Corrective Measures <ul> <li>10.4.1. You represent and warrant that You and the Users shall adhere to the Security Guidelines.</li> <li>10.4.2. A failure to adhere to these Security Guidelines may lead to a loss to You or to Us, and You confirm that You accept all responsibility for any such loss, and indemnify Us for any loss We may incur as a result of You not following the Security Guidelines.</li> <li>10.4.3. The Security Guidelines represent reasonable security measures in Our opinion, but are not intended as an exhaustive list of steps that You must undertake to ensure online security.</li> </ul> </li> </ul> <strong>11. Service Level</strong> <ul> <li>11.1. We make no representations herein as to the effectiveness of the Transaction Service.</li> </ul> <strong>12. Representation and Warranties</strong> <ul> <li>12.1. The Transaction Service is made available as is, and except for any express representatives and warranties made in these Terms and Conditions, to the maximum extent permitted by law, neither the Transaction Service or the Website is made available with any condition, warranty or representation from Us as to suitability or accessibility, either expressed or implied. This includes, without limitation, the conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill which, but for this legal notice, might have effect in relation to the Transaction Service or the Website.</li> <br> <li>12.2. You accept and acknowledge that We do not provide any financial, taxation or investment advice, including without limitation, on the merits of the Payment Transaction and its likely implications. You must make a decision to enter into a Payment Transaction based solely on Your own judgment or with having availed of prior independent financial advice. It is for You to evaluate whether the Payment Transaction is appropriate in terms of Your experience, financial objectives, and circumstances.</li> <br> <li>12.3. While We endeavour to ensure that the information on the Website regarding the Transaction Service is correct, We do not warrant the accuracy and completeness of the material on the Website regarding the Transaction Service including the real-time tradable rates, which may not be reflective of the current price of the currency. We may make changes to Our Website, including regarding the Transaction Service, at any time without notice. The material on Our Website regarding the Transaction Service may be out of date, and We make no commitment to update such material.</li> <br> <li>12.4. We reserve Our right to rely on 3rd party banking partners in certain jurisdictions who may operate the Transfermate Nominated Account, either in Our name or in the name of the banking partner. We make all reasonable efforts to ensure that when You make the Lodgement, these funds are held in a secure account segregated from Our own funds, however this protection may not be available to Us in every jurisdiction. </li> <br> <li>12.5. You warrant that in the case of an individual or more than one individual, You are of full age and capacity, and in the case of a firm or corporation, You warrant that it is duly constituted and incorporated and possesses the requisite power to agree to this Agreement and all Contracts made or to be made, and in any case, this Agreement and such Contracts do and will constitute legally binding and enforceable obligations of the User.</li> <br> <li>12.6. You represent and warrant to Transfermate that: <ul> <li>12.6.1. this Agreement and Your use of the Transaction Service does not violate any law applicable to You, and You will not use the Transaction Service for any purpose contrary to applicable laws.</li> <li>12.6.2. all information You provide to Transfermate is true, correct and complete, and You will notify Us of any changes to such information. Neither that information nor Your conduct or the conduct of anyone acting on Your behalf in relation to the Transaction Service, was or is misleading, by omission or otherwise and You will make ongoing disclosure to Transfermate of any matters that may affect the operation of this Agreement.</li> <li>12.6.3. You acknowledge that Transfermate will rely on Your representations and warranties in providing the Transaction Service.</li> </ul> </li> </ul> <strong>13. Intellectual Property and Limited License</strong> <ul> <li>13.1. Transfermate (and where applicable its affiliates, suppliers or licensors) are the sole and exclusive owner(s) of all IPR which forms directly or indirectly (1) the Transaction Service, (2) the Website, or (3) the Account, and any other IPR arising from Your use of the Transaction Service or other ancillary services. This Agreement does not grant You title to or any ownership rights or interest, but only a right of limited use as expressly set forth in this Clause 13.</li> <br> <li>13.2. You are hereby granted a non-assignable, non-exclusive and limited licence to print and download extracts of IPR from the Website regarding Transaction Service for Your own use on condition that:</li> <ul> <li>13.2.1. You are only to use the contents as authorised by Us;</li> <li>13.2.2. no documents or related graphics are modified in any way;</li> <li>13.2.3. no graphics are used separately from the corresponding text;</li> <li>13.2.4. Our copyright and trademark notices appear in all copies. </li> <li>13.2.5. You acknowledge that the names, images and logos identifying Us, Our products and services, are proprietary marks belonging to Us. and </li> <li>13.2.6. no part may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without Our prior written permission.</li> </ul> <br> <li>13.3. You acknowledge and agree that all content on the Website, the Account or otherwise accessible on the Transaction Service is protected by copyright, trademark, patents and other proprietary rights and laws. </li> <br> <li>13.4. Any unauthorised use or any breach of this Clause 13 will result in immediate termination of the Agreement whereby You must, on request from Us, immediately destroy any downloaded or printed extracts from the Transaction Service or Website. This license is conditional on Your continued compliance with these Terms and Conditions and any rights not expressly granted herein are reserved.</li> <br> <li>13.5. Derivative use of the Transaction Service is strictly prohibited, including any use of data mining, robots or similar data gathering, reverse engineering and extraction tools irrespective of whether there is an intent to damage or impair the Transaction Service, and any such activities shall be deemed a material breach of these Terms and Conditions.</li> <br> <li>13.6. On termination of this Agreement, the licence herein granted ceases with immediate effect.</li> </ul> <strong>14. Liability and Indemnity</strong> <ul> <li>14.1. We, any other party (whether or not involved in creating, producing, maintaining or delivering Transaction Service, the Website or the Portal), and any of Our officers, directors, employees, shareholders or agents of any of them, exclude all liability and responsibility for any type of incidental, punitive, special, indirect or consequential damages arising from or connected in any way to, the Transaction Service, the Website or the Portal, that may result to You or a third party. This includes, without limitation, any indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, business interruption, loss of use, loss or damage due to viruses, or other loss or damages, even if advised of the possibility of such damages, whether arising under any theory of contract, tort (including negligence), strict liability or otherwise. </li> <br> <li>14.2. Nothing in these Terms and Conditions will exclude or limit Our liability for:</li> <ul> <li>14.2.1. Death or personal injury;</li> <li>14.2.2. Fraud. </li> <li>14.2.3. Misrepresentation as to a fundamental matter. or</li> <li>14.2.4. Any liability which cannot be excluded or limited under applicable law.</li> </ul> <br> <li>14.3. If Your use of material on the Transaction Service results in the need for servicing, repair or correction of equipment, software or data, You assume all costs thereof.</li> <br> <li>14.4. We are entitled to assume that all Payment Transactions entered using usernames and passwords of You or the Users are authorised by You. We shall not be liable in any way for any direct, indirect or consequential loss suffered by You as a result of any Payment Transactions entered using these usernames and passwords.</li> <br> <li>14.5. We shall not be liable for any: <ul> <li>14.5.1. suspension, withdrawal or termination of Your access to the Transaction Service. or</li> <li>14.5.2. interruptions to the Transaction Service.</li> </ul> </li> <br> <li>14.6. Our liability to You is limited to the lesser of (i) the amount paid by You hereunder during the three (3) month period immediately preceding the date the loss or damage first occurs, or (ii) CA$5,000. Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages so, to the extent not allowed by law, some of the above limitations may not apply.</li> <br> <li>14.7. You indemnify, defend and hold Us harmless against any and all costs, liabilities, losses, and expenses (including but not limited to reasonable legal fees) suffered by Us, which may result from (i) Your or a User’s misuse of the Transaction Service, (ii) Your or a User’s breach of the Agreement, or (iii) any failure by You or a User to comply with the law.</li> </ul> <strong>15. Confidentiality</strong> <ul> <li>15.1. Neither party shall use Confidential Information of the other party for any purpose other than for the purpose of providing or using the Transaction Service or as otherwise expressly permitted herein. </li> <br> <li>15.2. Confidential Information shall not include, however, any information which (i) was publicly known prior to the time of disclosure by the disclosing party. (ii) becomes publicly known and made generally available after disclosure by the disclosing party to the receiving party through no action or inaction of the receiving party in violation of these Terms and Conditions. (iii) is already in the lawful possession of the receiving party at the time of disclosure by the disclosing party as shown by the content of the receiving party's files and records prior to the time of disclosure. (iv) is obtained by the receiving party from a third party without a breach of such third party's obligations of confidentiality. or (v) is independently developed by the receiving party without use of or reference to the disclosing party's Confidential Information, as shown by the receiving party’s documents or other competent evidence in the receiving party's possession.</li> <br> <li>15.3. Each party shall exercise reasonable care not to disclose, and to prevent its employees and agents from disclosing, any Confidential Information of the other party.</li> <br> <li>15.4. If a party is compelled to disclose Confidential Information under the authority of a court or governmental agency, the compelled party shall promptly notify the other party unless the compelled Party is legally prevented from doing so or deems that doing so would be in breach of the compelled Party’s policies, procedures or codes. The other party shall, where afforded prior notice, have the opportunity to object to the compelled disclosure prior to production of such information.</li> <br> <li>15.5. At the request of the disclosing party, the receiving party shall return all of the disclosing party's Confidential Information to the disclosing party or certify the same has been destroyed. Nothing in this clause shall require the return or destruction of any documents and materials containing or based on the Confidential Information that is required to be retained by applicable law, or to satisfy the requirements of a regulatory authority to which the receiving party is subject. </li> </ul> <strong>16. Term, Termination and Cancellation of Access</strong> <ul> <li>16.1. On completing the Account Opening Process You shall have access to the Transaction Service until such time as such access is terminated as set out in this Clause 16.</li> <br> <li>16.2. You may cancel Your access to the Transaction Service at any time by giving Us written notice. You will remain responsible for any Payment Transactions made on Your Account until access to Your Account is actually disabled.</li> <br> <li>16.3. We may terminate, suspend or withdraw Your access to the Transaction Service at any time without prior notice if:</li> <ul> <li>16.3.1. We suspect that You have breached these Terms and Conditions, including but not limited to Clauses 13 or 15, or have acted fraudulently.</li> <li>16.3.2. Subject always to Our such termination being permitted under the applicable law, We learn or have reason to believe;</li> <ul> <li> of Your death, bankruptcy or lack of legal capacity;</li> <li> a liquidator or receiver has been appointed in respect of the Your assets. or</li> <li> You have committed an act of bankruptcy or that a bankruptcy petition has been presented against You.</li> </ul> <li>16.3.3. We otherwise deem such termination, suspension or withdrawal appropriate, in Our sole discretion.</li> </ul> <br> <li>16.4. Payment Transactions, including but not limited to Future Dated Payments, in respect of which Contracts have been concluded and which are scheduled to be made after Your access to the Transaction Service is terminated or suspended will not be impacted by the termination, unless We explicitly notify You otherwise at the time of termination.</li> <br> <li>16.5. The respective obligations of parties, which by their nature would continue beyond the termination or expiration of this Agreement, including without limitation, the obligations regarding IPR, Confidential Information, limitation of liability and indemnification, shall survive the termination, suspension, withdrawal or cancellation of the Transaction Service.</li> </ul> <strong>17. Market Information</strong> <ul> <li>17.1. We make available market information services generated internally containing, but not limited to financial market data, rates, news, charts or data. Market information provided by Us, whether made available on the Website, in email format or over the telephone is not intended as financial advice</li> <br> <li>17.2. We do not guarantee the accuracy, timeliness, completeness or correct sequencing of the market information. We reserve the right to discontinue offering market information at any time without notice, and for the avoidance of doubt, any market information provided to You is not an element of the Transaction Service and should not be regarded as bearing any relation to Your decisions to use the Transaction Service.</li> </ul> <strong>18. Redress and Complaints Procedure</strong> <ul> <li>18.1. Where an official complaint from You in relation to the Transaction Service is received by Us, We will record the nature of the complaint and issue an acknowledgement email to You by the end of the next Business Day. The acknowledgement will provide You with the contact name who is responsible for dealing with Your complaint. The official complaint must be made by email to, with details such as Your account number, the payment order(s) and the nature of Your complaint.</li> <br> <li>18.2. We will investigate Your complaint as swiftly as possible and where applicable, You will receive a regular written update on the progress of the investigation at intervals of not more than 20 Business Days.</li> <br> <li>18.3. We will try to resolve Your complaint within 40 Business Days of having received the complaint. If Your complaint cannot be resolved within 40 Business Days, We will write to You notifying You of the anticipated timeframe for the conclusion of the investigation.</li> <br> <li>18.4. Within 5 Business Days of the conclusion of the investigation of the complaint, We will issue a resolution letter detailing the outcome of the investigation. This letter will include, if applicable, an explanation of the terms of any offer that We are prepared to make in settlement of Your complaint.</li> <br> <li>18.5. If at any time You are unsatisfied with the handling of Your complaint or We cannot resolve the complaint within the 40 Business Days timeframe, You will be notified of Your right to refer the matter to the Financial Consumer Agency of Canada with an address of 427 Laurier Ave W, Ottawa, ON K1R 5C7, Canada (Phone: (866) 461-3222 (English) | (866) 461-2232 (French) | (613) 960-4666 (outside of Canada), Fax: 613-941-1436 . 1-866-814-2224, Online Enquiry form at, Web ).</li> </ul> <strong> 19. General Terms </strong> <ul> <li>19.1. The Agreement and any disputes or claim (including non-contractual disputes or claims) arising out of or in connection with it or its subject matter or formation are governed by and construed in accordance to the laws of Canada, and each party hereto irrevocably submits to the exclusive jurisdiction of the courts of Canada. This is the case regardless of whether You reside or transact business with Us elsewhere in the world.</li> <br> <li>19.2. Without limiting the foregoing, You acknowledge and understand that laws regarding foreign exchange contracts vary throughout the world, and it is Your obligation alone to ensure that You fully comply with any law, regulation or directive, relevant to Your country of residency with regards to the use of the Transaction Service. For avoidance of doubt, the ability to access to the Transaction Service does not necessarily mean that the Transaction Service, and/or Your activities through it, are legal under the laws, regulations or directives relevant to Your state or country of residence.</li> <br> <li>19.3. This Agreement expresses the complete and final understanding of the parties with respect to the Transaction Service and the subject matter hereof, and supersedes all prior communications between the parties, whether written or oral with respect to the subject matter hereof.</li> <br> <li>19.4. Throughout this Agreement, whenever required by context, the use of the singular number shall be construed to include the plural, and the use of the plural the singular, and the use of any gender shall include all genders.</li> <br> <li>19.5. Either party shall be excused from any delay or failure in performance hereunder, other than the payment of money, caused by or due to any cause beyond its reasonable control, including, but not limited to acts of God, earthquake, flood, third party labour disputes, utility curtailments, power failures, explosions, civil disturbances, vandalism, riots, war, governmental actions, and acts or omissions of third parties.</li> <br> <li>19.6. The Contract entered by You pursuant to a Payment Transaction shall not be transferable, negotiable or assignable by You, and any attempt to do so is void. Subject to the foregoing, this Contract will be binding upon, and inure to the benefit of, the parties and their respective successors and permitted assigns, and is for the sole benefit of the parties, and nothing herein will be construed as giving any rights to any person not a party to the Contract.</li> <br> <li>19.7. We shall be entitled to sub-contract any or all of Our obligations or assign or sub-license any or all of Our rights under the Agreement. We shall remain responsible for obligations which are performed by the sub-contractors and for the acts or omissions of the sub-contractors as if they were the acts or omissions of Transfermate.</li> <br> <li>19.8. No failure or delay by a party to exercise any right or remedy provided under this Agreement or by law shall constitute a waiver of that or any other right or remedy, nor shall it prevent or restrict the further exercise of that or any other right or remedy. No single or partial exercise of such right or remedy shall prevent or restrict the further exercise of that or any other right or remedy. </li> <br> <li>19.9. The provisions of this Agreement, and the rights and remedies of the parties under this Agreement, are cumulative and are without prejudice and in addition to any rights or remedies a party may have whether arising under common law, equity, statute, custom or otherwise. No exercise by a party of any one right or remedy under this Agreement, or under common law, equity, statute, custom or otherwise, will (save to the extent, if any, provided expressly in this Agreement, or by common law, equity, statute or custom) operate so as to hinder or prevent the exercise by it of any other such right or remedy.</li> <br> <li>19.10. If any provision or part-provision of this Agreement is or becomes invalid, illegal or unenforceable, it shall be deemed modified to the minimum extent necessary to make it valid, legal and enforceable. If such modification is not possible, the relevant provision or part-provision shall be deemed deleted. Any modification to or deletion of a provision or part-provision under this Clause 19.10 shall not affect the validity and enforceability of the rest of this Agreement.</li> <br> <li>19.11. Without prejudice to any other rights or remedies that both parties may have, both parties acknowledge and agree that damages alone may not be an adequate remedy for any breach of this Agreement by the other party. Accordingly, either party shall be entitled to the remedies of injunctions, specific performance or other equitable relief for any threatened or actual breach of this Agreement by the other party.</li> <br> <li>19.12. Your use of the Portal, the Website Site and the Transaction Service is subject to the Our Privacy Policy (the current version of which is at Schedule 3). By accessing or using the Portal, the Website and the Transaction Service, You understand and agree that We may collect and retain personal or other information about You, the Users and the device You use to access the Portal, the Website and the Transaction Service.</li> <br> <li>19.13. No one other than a party to this Agreement shall have any right to enforce any of these Terms and Conditions.</li> <br> <li>19.14. The parties will have the status of independent contractors, and nothing herein will be deemed to place the parties in any other relationship, including employer-employee, principal-agent, partners or joint ventures.</li> <br> <li>19.15. In addition to other remedies available to Transfermate, if You fail to pay any amount then due under this Agreement, Transfermate may set-off such amount against any amount payable by Transfermate to You. You must not set-off any amounts You owe to Transfermate, any amounts Transfermate owes to You. Transfermate is entitled to set-off against any amounts due to it by You, any amounts received by Transfermate from or on Your behalf including but not limited to moneys received as deposits. Transfermate may determine the application of any amounts which are to be set-off at its own discretion.</li> <li>19.16. Unless specified to the contrary herein, notices to be given to Transfermate under the Agreement shall not be effective unless in writing and hand-delivered (e.g. via courier) or mailed by registered or certified mail to Interpay LTD trading as Transfermate at the registered office set out herein.</li> <br> <li>19.17. These Terms and Conditions together with all Schedules, appendices, exhibits and attachments hereto constitute the sole and complete agreement between the parties with regard to its subject matter, and supersedes all proposals, understandings, representations, prior agreements or communications relating to the subject matter of the Agreement.</li> </ul> <br> <strong>Schedule 1: Standard Fees Schedule – Canada</strong> <p> </p> <p>Words not defined here shall have the meaning set out in the Transfermate Standard Terms and Conditions (<u>here</u>)</p> <p>You authorise Us to deduct Our fees for the Transaction Service in accordance with the receipt issued after the Transaction Service is completed and before the Final Transfer is made. The current fees for the Transaction Service are set out below. All fees below are in Canadian dollars (Cad$).</p> <strong>1. Corporate FX transfers</strong> <ul> <li>Corporate clients transferring Cad$5,000 or more attract no transfer fee for the Order.</li> <li>For Orders under Cad$5000 a fee of Cad$5 applies.</li> <li>We may permit an exceptional Order under Cad$1,000 at Our discretion, but have no obligation to do so. A fee of Cad$15 applies. If We believe that these transfers are no longer exceptional, a separate agreement on fees shall be required.</li> </ul> <br> <strong>2. Non-Corporate Transfers</strong> <ul> <li>All transfers booked either on the Website or elsewhere attract a standard Cad$15 processing fee;</li> <li>We may permit an Order under Cad$1,000at Our discretion as an exception, but have no obligation to do so. A fee of Cad$15 applies to each such Order. If We believe that these transfers are no longer occasional, a separate agreement on fees must be made.</li> </ul> <br> <br> <strong>3. Additional Fees</strong> <p> <strong>Same Currency Fees:</strong> <br> If We agree in exceptional circumstances to complete Same Currency Payment Transactions, an additional fee of Cad$15 shall apply unless a different fee is notified to You prior to concluding the Contract.</p> <p> <strong>Transfers in EURO to non-SEPA compliant bank accounts</strong> <br> An additional Cad$15 fee shall apply for FX transfers in EURO to non-SEPA compliant bank accounts. <br>In the event that the Order is a Same Currency Order, an additional fee may apply as shall be notified to You at the time.</p> <p> <strong>Bank Fees:</strong> <br> We use electronic fund transfers as a default payment method, however, where You make a Lodgement to Us via a method of payment other than electronic funds transfer and We incur a charge from the bank, We reserve the right to pass this fee on to You. <br> <br> A bank typically charges Us a fee where a Payment has been rejected as a result of the beneficiary details entered by You being incomplete or inaccurate. In such event We shall pass this cost (typically around Cad$15) onto You. </p> <p> <strong>Cancellation Fee:</strong> <br> In the event that You wish to cancel a Contract, We reserve the right to charge You a cancellation fee of Cad$20 in addition to reimbursing Us for the loss arising on such cancellation.</p> <p> <strong>Recall Fee:</strong> <br> In the event that You request that We recall funds paid out, We may pass onto you the fees from the bank (typically up to Cad$30) in addition to reimbursing Us for costs We incur arranging the recall.</p> <strong>4.Third Party Charges and Interest:</strong> <ul> <li>The foreign exchange rate changes every 3 seconds and the rate agreed between Us in the Contract shall be the applicable rate to the Contract.</li> <li>Subject to the fees detailed herein, We will always endeavour to send the full payment amount for each Payment Transaction unless there are costs beyond Our control which We shall pass onto You. Where these are foreseeable, We shall notify You of these costs and the impact on the Payment Transaction before concluding the Contract.</li> <li>We do not, under any circumstances, accept any liability for any direct or indirect losses that result from Receiver/Intermediary Bank Fees, meaning the fees the receiving bank or an intermediary may charge their client to receive Your payment, which will vary depending on the locations involved in the Payment Transaction. </li> <br> <li>We <u>do not charge or provide interest</u> to either corporate or non-corporate clients.</li> </ul> <br> <p> </p> <strong>Schedule 2: Anti-Money Laundering Policy</strong> <p> </p> <p>Words not defined here shall have the meaning set out in the Transfermate Standard Terms and Conditions (<u>here</u>)</p> <p>Money laundering is the process by which criminally obtained money or other assets are exchanged for "clean" money with no obvious link to its criminal origin. By preventing money laundering, the movement of funds derived from criminal activities will be inhibited. This will in turn, restrict the availability of funds used for terrorist activities. Transfermate views Money Laundering as a serious criminal offence, and as such, complies with regulatory requirements intended to forestall and prevent money laundering. These include:</p> <ul> <li>Confirming the identity of Our clients.</li> <li>Retaining transaction and identification records for a minimum period of five years.</li> <li>Training staff in terms of anti-money laundering regulations.</li> <li>Appointing a nominated officer responsible for monitoring and reporting any and all suspicious activities to the relevant authorities.</li> </ul> <br> <p>Please note that Transfermate reserves the right to refuse a transaction at any time should suspicion arise that it may be connected to money laundering or any other criminal activity. In addition, Transfermate will be obliged to report this suspicious activity and in line with regulations, is prohibited from disclosing this to the client.</p> <p>By providing Us with false identification or contact details, We will deem this a misuse of the Transaction Service. We are legally bound to report such misdemeanours to the relevant authorities, and as such, You may be the subject of a criminal investigation.</p> <p>Transfermate will NOT do business with anyone suspected of, or directly involved in Money Laundering, or where funds have been sourced by any illegal activity.</p> <p>To assist the world wide fight against the funding of terrorism and money laundering activities, worldwide laws require Transfermate to obtain, verify and record information that identifies each person or corporate who opens an account with Us. This can be done in many ways, some of which may require You to provide documentation. Below are examples of documentation that may be required. Your customer service representative will guide You through this process.</p> <strong>Examples of Information required – natural persons</strong> <p>When You open an Account, You will be asked for information such as Your name, date of birth, residential address, nationality, identification numbers, employment details and source of funds. To verify this information, Transfermate uses the latest available technology, but You may be asked for identification documents such as, certified copies of documents showing nationality, residence, Your residential address and a photograph of You. Typical verification documents are Your passport/drivers licence plus a utility bill/bank/ credit card statement.</p> <strong>Examples of Information required - Corporates</strong> <p>When You open an Account, a corporation, partnership, trust or other legal entity may need to provide other information, such as its principal place of business, local office and company registration number. To verify this information, Transfermate uses the latest available technology but You may be asked for certified articles of incorporation, government-issued business license, a partnership agreement or a trust agreement.</p> <strong>Certification</strong> <p>If You are required to provide certified copy documents, they must be current, clear and legible, of good quality, signed and dated with the words "True copy of the original" (or similar) and can be certified by the following people: accountant, lawyer, police officer or Your bank manager. If You cannot get one of these people, Your customer relationship representative will work with You to find an appropriate substitute. Any foreign document(s) provided must be translated in English Language by a suitably qualified translator. The person certifying or translating the document(s) should be contactable so please write their name and contact details on the copy of the document. This information needs to be scanned back to Us and the originals may need to be posted to the firm. Transfermate may conduct additional security checks on clients at Our discretion.<br> <u>Your Customer Service Representative will contact You to assist You with this process</u> </p> <strong>What happens if I don’t provide the information requested or my identity can’t be verified? </strong> <p>We may not be able to open an Account or carry out transactions for You. If You already have an Account, We may have to close it.</p> <p>Details of Your specific requirements to open an Account with Transfermate will be communicated to You by Your customer services representative.</p> <br> <strong>Schedule 3: Privacy Policy and Data Protection</strong> <p> </p> <p>Words not defined here shall have the meaning set out in the Transfermate Standard Terms and Conditions (<u>here</u>)</p> <strong>1. Definitions</strong> <p>“Cookies” mean small text files that are placed on Your computer or mobile device when You browse websites.</p> <strong>2. Introduction</strong> <p>This Privacy Policy, issued in May 2018, constitutes part of the legal relationship between You and Us. The other elements of the legal relationship being Our Terms and Conditions`, Our Anti-Money Laundering Policy and the terms governing any other additional services provided by Us to You.</p> <strong>3. Privacy Policy</strong> <ul> <li> <p>3.1 <strong>Collection of Information</strong> Protecting Your privacy is important. In order to provide You with Our services, We must collect certain personal information about You and obtain Your consent in relation to the handling of such personal information. You will provide to Us upon request all such information in relation to Your financial and business affairs and/or identity, as We may reasonably require which may also be used for analytical or any secondary purposes such as archiving, audits, statistical/historical purposes. </p> <p>In addition to the personal data required for the processing of Your interaction, We will also use this data to advise You of new changes or additions to Our services, or information related to foreign exchange rates. Additionally, We also collect non-personal data.</p> <p>“Non-Personal Data” <br>Like most websites, We gather statistical and other analytical information collected on an aggregate basis of all visitors to Our Website. This Non-Personal Data comprises information that cannot be used to identify or contact You, such as demographic information regarding, for example, user IP addresses where they have been clipped or anonymised, browser types and other anonymous statistical data involving the use of Our Website. </p> <p>3.2 <strong>Use of Information</strong> You hereby consent to our collection, use, disclosure, storage and processing of your personal information in accordance with this Our Privacy Policy, Our Terms and Conditions and Our Anti-Money Laundering Policy, and to be use it in other ways as required by law, or where permitted under the terms of the applicable Data Protection legislation. <br> <br> If you provide us with the personal data of any individual(other than your own, if you yourself is an individual), you hereby consent on behalf of that individual whose personal data you provide, to our collection, use disclosure and processing of his/her personal data in accordance with Privacy Policy, Our Terms and Conditions and Our Anti-Money Laundering Policy, and to be use it in other ways as required by law, or where permitted under the applicable Data Protection legislation. </p> <p>3.3 <strong>Identity Verification </strong> You will be required to provide evidence to verify identity. If We are not satisfied with the information provided by You, We may request additional information. We will not accept an application and the full range of Transaction Service will not be available to You unless and until verification procedures have been completed to Our satisfaction. </p> <p>3.4 <strong>Consent to Search Public Databases</strong> You consent to an electronic database search and credit reference agencies search by Us in order to verify Your identity and credit standing. We shall retain records of the contents and results of such searches in accordance with all current and applicable laws. We further reserve the right, if considered appropriate at Our sole discretion, to provide relevant information regarding You and Your transactions to credit reference and law enforcement agencies.</p> <p>3.5 <strong>Information correct</strong> You must ensure that all information provided to Us is accurate and up-to-date at all times. Any changes must be advised to Us as soon as practicable. You may ask Us for a copy of Your personal information so You may review it and correct or change it if necessary. We will respond to Your request as soon practicable.</p> <p>3.6 <strong>Protection of Information</strong> We collect and store all information electronically, and take reasonable steps to protect such information from unauthorised access, misuse, loss or destruction. We shall in no way be liable to You for any loss or damage You may incur as a result of the loss or theft of such information held by Us. </p> <p>3.7 <strong>Retention of Information</strong> Any information collected by Us, including telephone recordings or transcripts, may be kept or destroyed in accordance with relevant PIPEDA or regulatory legislation as may be amended from time to time.</p> <p>3.8 <strong>Recording phone conversations</strong> Both You and Us consent to the electronic recording by either party of telephone conversations between them without an automatic warning tone, and the utilisation of such recordings as evidence by either party in any dispute or anticipated dispute between the parties or in relation to any dealings between the parties.</p> <p>3.9 <strong>Cookies</strong> Our Cookie Policy provides details on the Cookies Our Website uses. Our cookies do not store any personal identifiable information. You can switch Cookies off by adjusting Your internet browser settings to stop it accepting Cookies. Please be aware though that turning off Cookies will impair the performance of many websites and not just Ours.</p> <p>3.10 <strong>Unsubscribe</strong> If You decide that You no longer wish Us to keep or use information or You want the information to be revised or updated, please feel free to contact Us. We will remove or amend the information as appropriate in accordance with applicable legislative and regulatory requirements.</p> </li> </ul> <br> <p> <strong>Schedule 4: Additional Terms for Receivables Service</strong> </p> <p>Words not defined here shall have the meaning set out in the Transfermate Standard Terms and Conditions (<u>here</u>)</p> <p> <strong>Introduction:</strong> <br>These Receivables Terms are applicable if You have opted to avail of Transfermate’s Receivables Service whereby You, in addition to being able to engage with Us as a Payer in a Payment Transaction, can now direct Transfermate to receive payments from a third party in order for that third party to discharge an Invoice (meaning for this purpose an invoice, bill or other contractual debt) by way of a Receivables Transaction (as defined below).</p> <p> <strong>Definitions:</strong> <br>“You” or “Your” means a party who wishes to use the Transaction Service to facilitate Payers discharging Invoice(s), and includes where the context so permits, Your Users, Affiliates and authorised agents. <br>“Invoice” means in this context an invoice, bill or other contractual debt which can be evidenced, which is owing to You and which is due from the Payer. <br>“Invoice Reference” means the reference number specific to Your invoice, which We will give You, which will enable You, Us and the Payer to identify Your request for payment. <br>“Payer” means a person, business or organization that is making a payment to You. <br>“Portal” means the customisable website on which the Transaction Service is delivered to You. <br>“Receivables Account” means the bank account held in Your name, which You nominate on the Portal for the receipt of the Final Transfer. <br>“Receivables Transaction” means the process by which You ultimately receive funds from a Payer in accordance with Your instructions. <br>“Virtual Account” means the account in which We retain the Final Transfer from You.</p> <strong>1. Basis for the Relationship</strong> <ul> <li>1.1. You confirm that You understand that in order for Us to collect funds on Your behalf pursuant to a Receivables Transaction: <ul> <li>1.1.1. You hereby appoint Us for the sole purpose of collecting funds from the Payer acting under Your express authority (known for convenience hereafter as the "<strong>Power of Attorney</strong>" but mutually understood as being an effective agency appointment which is not required to meet the execution formalities required in some countries to create a formal power of attorney);</li> <li>1.1.2. You understand that We have the power to issue a funds receipt confirmation on Your behalf to the Payer. and</li> <li>1.1.3. You understand that in the event that any actions of the Payer cause a loss to us (as specified below in Clause 6), You are legally obliged to make good that loss on demand from us.</li> </ul> </li> <br> <li> <p>1.2. There is no legal relationship between the Payer and Us, and at all times We are engaging with the Payer as Your authorised representative, under the Power of Attorney.</p> </li> </ul> <strong>2. Creation of the Portal</strong> <ul> <li>2.1. To enable Us to conclude Receivables Transactions on Your behalf You must first create the Portal by: <ul> <li>2.1.1. complying with the Account Opening Process;</li> <li>2.1.2. logging into Your newly created Account with details provided during the Account Opening Process. and</li> <li>2.1.3. providing Us with such additional information that We may reasonably deem necessary during this process.</li> </ul> </li> <br> <li>2.2. We shall notify You that the above steps at have been completed and provide You with the means by which You can access the Portal. You shall also be provided with administrative access to enable You to host, develop, design and maintain the Portal.</li> <br> <li>2.3. Depending on the set-up and the means by which You access the Portal, You may have the option to: <ul> <li>2.3.1. upload Your company logo to the Portal which must comply with the parameters specified by Us at the time (including using a specific file type, size limit and dimensions). and</li> <li>2.3.2. create a unique URL (if required) which is neither a breach of IPR nor offensive or misleading.</li> </ul> </li> </ul> <strong>3. Uploading Invoices and Concluding a Receivables Transaction</strong> <ul> <li>3.1. In respect of each Invoice, You shall upload <u>some or all</u> of the following to the Portal in the form specified by Us at the time: <ul> <li>3.1.1. the correct Invoice Reference;</li> <li>3.1.2. the currency in which You wish the Payer to pay Us the funds (please refer to Clause 6.1 and 6.2 for details of how You may be required to assume risk for the Payer concluding the transaction in this currency);</li> <li>3.1.3. Payer details (this should be done once and We shall retain these on file for future Receivables Transactions);</li> <li>3.1.4. outstanding amount to be paid and Invoice due date;</li> <li>3.1.5. confirmation on whether, following receipt of funds from the Payer, You want Us to retain the funds in a Virtual Account or transfer them to a specified Receivables Account. and</li> <li>3.1.6. such other information as may be required from You to enable Us process the Receivable Transaction.</li> </ul> </li> <br> <li>3.2. Your uploading of the information at Clause 3.1 constitutes a request from You to Us to negotiate a Receivables Transaction with You in respect of the Invoice(s). The response to Your request may provide applicable exchange rates for each currency entered and shall confirm (to the best of Our knowledge but subject always to Clause 5) Our ability to process the Receivables Transactions. This response represents Our legal offer to You to contract with Us to enter Receivables Transactions subject to certain conditions and restrictions set out herein. This offer must be accepted by You, by approving the Receivables Transaction, following which a legal contract is formed between the You and Transfermate, subject to these Receivables Terms (the “Receivables Contract”).</li> <br> <li>3.3. Our commitment under the Receivables Contract is to issue the Collection Email (as defined in the General Terms and Conditions) and to engage with a Payer on Your behalf is conditional on Your understanding that We: <ul> <li>3.3.1. have liberty to use whatever means We deem appropriate to carry out Your instruction;</li> <li>3.3.2. may require a copy of the Invoice for prior to completion of the Receivables Transaction, notwithstanding that We do not require this at from You when uploading the documents and information set out at Clause 3.1.</li> <li>3.3.3. do not pursue Payers beyond providing them with means of making a payment to You;</li> <li>3.3.4. cannot compel a Payer to participate in the Receivables Transaction;</li> <li>3.3.5. may conclude following a review of the Receivables Transaction, that We cannot accept funds from the Payer, whether for regulatory reasons or as a result of our risk appetite;</li> <li>3.3.6. act on Your behalf as a collection agent or similar mandated under the Power of Attorney, and only have a right to engage with the Payer while You authorise Us to do so, and as long as You do not revoke that authorisation;</li> <li>3.3.7. shall ensure that funds received from the Payer are lodged to the Virtual Account or to the Receivables Account (if applicable) in accordance with Clause 7. and</li> <li>3.3.8. shall issue receipt confirmation on Your behalf to the Payer on receipt of the Lodgement, stating that the Payer’s financial obligation to You is satisfied, provided that the Payer does not issue a recall as explained in Clause 6.3</li> </ul> </li> </ul> <strong>4. Engagement with the Payer</strong> <ul> <li>4.1. Failure by You to notify the Payer of (i) Your reliance on the Receivables Transaction to discharge an Invoice and (ii) the impact to You of the Payer not making the Lodgement to Us, is likely to impact on the effectiveness of the Receivables Transaction. We do not prescribe the means by which such notification should be made by You.</li> <br> <li>4.2. You may request that We send Payers the Collection Email on Your behalf and provide them with the Invoice Reference in order that they can discharge invoices to You. In such a scenario, We shall always need You to upload the Invoice.</li> <br> <li>4.3. You have the option of requesting that Your Portal’s URL is attached to the Collection Email, by inter-alia adding it to the invoice(s) template from Your accounting software. In addition, You have the option of using Your logo on the Collection Email. These options shall be available to You to select on the Portal, however the options may not be possible on every Collection Email.</li> <br> <li>4.4. As part of issuing the Collection Email, We will set out the means by which the Payer can comply with the Receivables Transaction, and any documentation required from the Payer in order to allow the Payer participate in the Receivables Transaction.</li> <br> <li>4.5. If the Payer notifies Us that they do not wish to engage in the Receivables Transaction, You shall be updated within 2 Business Days of Our being made aware, and You may be asked to make good any loss caused to Us as a result (as set out in Clause 6).</li> </ul> <strong>5. Limitations on the Receipt of Funds</strong> <ul> <li>5.1. The Portal is intended to contain a list of the countries into which We are able to send Invoices on Your behalf and also available the currencies. While We make reasonable efforts to manage this listing, We do not warrant that this listing is current or accurate.</li> <br> <li>5.2. In some circumstances, We may not be able to collect from a country or in a currency notwithstanding what has been set out on the Portal, or We may be prohibited from dealing with a particular Payer as set out in Clause 3.3.5. We hereby reserve Our right to bring this limitation or restriction to Your attention after the Receivables Contract has been entered without incurring any liability on Our part, and as such <u>Our ability to fulfil the Receivables Contract is conditional on Us being able to receive funds from a proposed Payer or from a Payer’s country or denominated in a specific currency</u> from the time the Receivables Contract is entered until the funds from the Payer have been received by Us.</li> <br> <li>5.3. In some countries there are regulatory or export restrictions on the frequency and value of funds that can be remitted from that country at one time in a single transaction. Transfermate continually monitors these restrictions and makes reasonable efforts to notify You prior to entering the Receivables Transaction where the limit may impact on our ability to perform the Contract. However where We are prevented by such restriction from performing the Contract, We shall have no liability to You for any loss or damage You may incur as a result. We shall notify You of the restriction and offer You the option to cancel the Receivables Transaction or amend the amount being sought. It is always Your obligation to be aware of the applicable laws and restrictions attaching to the remittance of funds from the Payer and the Payer’s country of residence.</li> </ul> <strong>6. Your Legal Liability as a result of entering a Receivables Contract</strong> <ul> <li>6.1. If You, as part of entering the Receivables Contract, require Us to book an FX rate (for example to enable the Payer pay Us in the Payer’s local currency), then We shall be required to acquire currency in the event that the Payer commits to discharging the Invoice. <u>This creates a legal obligation on You to ensure that the Payer makes the Lodgement to conclude the Receivables Transaction</u>, and in the event that there is a failure by the Payer to make the Lodgement in full and by the Settlement Date, this shall be a breach of Your obligations under the Receivables Contract. In such event, We will close out the Order at its then prevailing market rates and <u>any FX loss, costs or other damages incurred by Us (collectively a “<strong>Loss</strong>”) as a result shall be recoverable in full from You on demand by Us</u>.</li> <br> <li>6.2. In certain scenarios, as will be notified to You <u>prior</u> to entering the Contract, We acquire the currency immediately following the entry of the Contract, and in that event, even where the Payer does not make a commitment to Us to discharge the Invoice on the Portal, We may incur a Loss. This Loss shall be recoverable in <u>full from You on demand by Us</u>.</li> <br> <li>6.3. The default means for Payer making a Lodgement are set out on the Portal and may be fixed by You prior to entering the Contract. Where the Payer is limited to making the Lodgement by wire only, then subject to Clauses 6.1, 6.2 and 6.4 herein, You assume no additional liability. However in the event that You determine that the Payer may make the Lodgement by way of Direct Debit / ACH or by credit / debit card, then there is a risk that the Payer may recall the funds from Us after we have made the Final Transfer to You, causing a Loss to Us. In such an event You agree to transfer the amount of the Final Transfer on demand from Us.</li> <br> <li>6.4. You confirm that You have obtained whatever Payer consent is required in accordance with the applicable Data Protection and Privacy laws to permit Us to contact the Payers, and in the event that We incur a Loss as a result of Your failure to comply with these applicable Data Protection and Privacy laws, that You shall indemnity Us in full for that Loss.</li> <br> <li>6.5. Late or incomplete settlement of any of the Losses set out herein, shall incur default interest on the total amount due, at a compound rate of 5% per annum above the prime lending rate for the time being in force, calculated daily and payable to Us on the date payment is made. </li> </ul> <strong>7. Mass Uploads:</strong> <ul> <li>7.1. In addition to uploading single Payment Transactions as set out in Clause 2.1, You have the option to upload a batch of transactions (this capability is known as a “<strong>Mass Upload</strong>”).</li> <br> <li>7.2. On request from You, We shall provide You with a template setting out the information required by Us to process a Mass Upload.</li> <br> <li>7.3. You are required to follow this template and produce a statement listing the transaction requests for Mass Upload together with attaching invoice(s) in the following format. PDF, DOCX, XLS, subject to file size limitation as detailed on the Portal. Our requirements and supported formats may be modified by Us from time to time, and We reserve the right to notify You of any modified requirements during the Mass Upload process.</li> <br> <li>7.4. We shall validate that the uploaded file contains the necessary information for Mass Uploads, engage with You where there are errors on the uploaded file, and confirm details of the successful Mass Upload when applicable.</li> <br> <li>7.5. The payment request can be authorised and the Payer contacted once You authorise same by way of tick box confirmation.</li> </ul> <strong>8. Receiving the Funds from the Payer </strong> <ul> <li>8.1. On Our receipt of funds from Payer We shall provide You with email confirmation within 1 Business Day that a specific Invoice Reference has been discharged pursuant to a Receivables Transaction.</li> <br> <li>8.2. Unless You provide Us with any instruction to the contrary with regard to these funds, they will be retained by Us in the Virtual Account, in the currency set on that Virtual Account. The decision to use a Virtual Account instead of nominating a Receivables Account is a matter for You and We cannot advise You on the wisest course of action for Your needs. There are risks associated with the use of a Virtual Account and You are advised to seek independent legal and financial advice should You wish to retain funds in a Virtual Account, in particular if You do not have a specific purpose in mind for the onward use of those funds.</li> <br> <li>8.3. Following a specific request from You We shall transfer the funds into Your Receivables Account. You may make this request while the funds are in the Virtual Account or prior to the Payer making the Lodgement. We shall make this transfer within 1 to 2 Business Days of receiving the cleared and settled funds from the Payer. The transfer into the Receivables Account shall specify the name of the Payer and the Invoice Reference to enable You identify the Payment Transaction.</li> </ul> <br> <p> <strong>Schedule 5: Security Guidelines</strong> </p> <p>Words not defined here shall have the meaning set out in the Transfermate Standard Terms and Conditions (<u>here</u>)</p> <strong> <p> <u>KEEPING SAFE ONLINE:</u> </p> </strong> <strong>Logging On and Passwords:</strong> <br> <p>You have a responsibility to exercise reasonable care to prevent unauthorised access to the computer that You use to access the Account and Portal.</p> <p>When logging on to the Account, You will be asked to provide Your user name and password. </p> <p>Never give the username and/or password to anyone else. </p> <p>You should change the password regularly.</p> <p>While We will ask You for funding account details, We will not ask You for any passwords or PIN or any other information required to access Your own bank account. We will never call or email You and ask You to change the beneficiary bank details of a payment, or ask You to reveal full security details, i.e., Your password and/or PIN - never disclose Your password/PIN to anyone. Additionally, take extra caution when opening unexpected emails and do not download any attachments unless You are confident they are safe.</p> <strong>Phishing Awareness:</strong> <p>Be vigilant and watch out for fraudulent (or ‘phishing') e-mails that claim to be from Us that ask for personal information or security details. Avoid sending personal details or accounts or passwords in an email. If You suspect a phishing attack, You must immediately call Us or alternatively forward the suspect e-mail to Us.</p> <strong>Firewalls and Anti-Virus:</strong> <p>The online system is protected by a firewall, which forms a barrier between the outside Internet and the internal network, however it is incumbent on You to ensure You periodically review Your security arrangements, and You are required to maintain a firewall on Your computer to protect it from unauthorised access. Never log into Your Account on a device that does not have an up-to-date anti-virus software or a firewall.</p> <p>If You do suspect Your passwords or User details have become known to an unauthorised third party, or have been lost or mislaid or otherwise, You must contact Us immediately. You will be liable for the losses resulting from any resultant unauthorised transactions on Your Account. We will not refund any suspicious/fraudulent payments that have been authorised by Users.</p> <p>After a 20 minute period of inactivity Your current session on the Website will automatically timeout. To restart Your session, all You have to do is re-enter Your User ID and password at the login screen.</p> <p>We use what is known as 256 bit SSL to ensure the highest level of security of information passing between Our customers and Ourselves. The online system requires the use of a secure browser to access account information and perform transactions.</p> <p>You represent and warrant that You have implemented and plan to operate and maintain appropriate protection in relation to the security and control of computer viruses, or other similar harmful devices, and will not transmit to in any way whether directly or indirectly or expose Our Website or Transaction Service to any harmful material or device.</p> <br> <strong> <u>HELP PREVENT CONSUMER FRAUD</u> </strong> <br>Are You sending money to claim a lottery prize or winnings, or on a promise of receiving a large sum of money? Are You sending money because You were “guaranteed” a credit card or loan? Are You responding to an Internet or phone solicitation that You aren’t sure is honest? Are You sending money to someone You do not know? <br>If so, do not proceed with this transaction. Processed payments may not be reversible after a certain point in the transaction. Contact Us for any help. <br> <strong> <u>CALL CENTRE SECURITY</u> </strong> <br>When contacting Our call centre You will be asked a number of security questions. <br> <p> <strong> <u>If You do not comply with security obligations, You may be liable for unauthorised payments from Your bank account(s).</u> </strong> </p> <br> <br>

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