Date published: 1 June 2023
Date of effect: 1 August 2023
WHY THIS INFORMATION IS IMPORTANT
This document sets out the terms and conditions for your Taptap Send mobile app (the “App”) and our wallet and money transfer services. It also sets out other important things that you need to know.
This User Agreement, along with the Privacy Notice and any other terms and conditions that apply to our services, form a legal agreement (the "Agreement") between:
● you, the user; and
● us, Taptap Send UK Limited.
By signing up for the services and using the App, you are accepting and agreeing to be bound by the Agreement. The main way we provide our services is through the App. We provide our services in other ways too, like through web pages. Our Agreement applies whenever and however you access our services.
We are a UK company which is authorised and regulated by the Financial Conduct Authority under the Electronic Money Regulations 2011 to issue electronic money and provide payment services. Our firm reference number is 900842 and our Company number is 10416468.
If you'd like more information you might find it helpful to read our FAQs, but these don't form part of the Agreement.
If you participate in any rewards programme you agree to be bound by any separate terms and conditions (for example, our Referral Program https://www.taptapsend.com/referrals-terms).
The best way to contact us is to email email@example.com.
You can also call us at: 0808 168 7707
Alternatively, you can contact us via Facebook or Whatsapp. Please see the “Support” section of the App for more details.
In this Agreement we will refer to Taptap Send UK Limited as “we” or “us” and we will refer to you, the user of the App and Services, as “you”.
“Administration Fee” means our fee for keeping funds in a Wallet that has not been used for over two (2) years.
“App” means our mobile application you can use for accessing your Wallet and sending Payment Instructions.
“Business Day” means a UK business day, ending at 17:00 BST/GMT.
“Destination Country” means the country in which the Recipient receives money through a Service.
“Password” includes a Personal Identification Number “PIN” or such other login information that we may choose to accept from time to time.
“Payment Instruction” means an instruction from you requesting us to make a Transfer either a) from your Wallet; or b) by way of a one-off money transfer.
“Payment Method” means a valid method of payment used to fund a Payment Instruction or to load funds onto the Wallet.
“Payout Amount” means the amount paid, after any foreign exchange conversion, to the Recipient less the Service Fee.
“Recipient” means someone who receives money into an account or by way of cash pick-up, mobile money or similar services, in each case provided by a Service Provider pursuant to a Payment Instruction sent through the Services.
“Security details” means the security credentials associated with your account with us, including your Password and any other information (which may include biometric information).
“Sender” means someone who uses the Services to send money.
“Send Amount” means the amount of money that the Sender wishes to send to the Recipient, less any applicable Service Fee and prior to any foreign exchange conversion.
“Services” means the provision of the Wallet and the remittance service enabling you to make Transfers.
“Service Fee” means our fee (which may vary depending on the destination of the Sender and the Recipient and the Send Amount), which will be presented to you before loading a Wallet or confirming a Payment Instruction.
“Service Provider” means a local bank, mobile network operator, or other third party service provider in a Destination Country which provides an account, cash pick-up, cash delivery, mobile wallet or similar services to a Recipient.
“Transfer” means the transfer of money through one of the Services.
“Transfer History” means the record of your Wallet transactions and Transfers on our App.
“Wallet” means an electronic money account registered in your name, which enables you to electronically hold, send and receive funds in the form of electronic money in the currencies supported through the App.
2. USING THE SERVICES
2.1. The Services allow you to:
2.1.1. open a Wallet to store a balance (in the each of the currencies supported by the App from time to time); and convert funds from one currency to another using your Wallet;
2.1.2. send international remittances to Recipients via selected Service Providers in Destination Countries (either from your Wallet balance or using a Payment Method).
2.2. To register for the Services, download the App (e.g. from the Apple App Store or Google Play) and follow the instructions.
2.3. Once you have registered for the Services and have logged into the App, you can:
2.3.1. load money onto your Wallet using a Payment Method, to generate an electronic money balance;
2.3.2. get a refund of balance from your Wallet;
2.3.3. submit Payment Instructions by selecting whether you want to make the payment from your Wallet balance or via another chosen Payment Method, entering or selecting the Send Amount and associated information, then clicking “Send” on the confirmation page;
2.3.4. view your Transfer History;
2.3.5. convert funds from one currency to another using your Wallet. To do this, select the currency to be purchased, enter the amount of currency to be exchanged and then click “Confirm” (or equivalent) on the confirmation page (which sets out the applicable exchange rate); and
2.3.6. otherwise manage your use of the Services.
2.4. For security reasons, we may require you to re-enter your Security Details or to otherwise confirm your identity to finalise your Payment Instructions or access certain functions in the App.
2.5. For the remittance Service, this Agreement applies individually to each Transfer.
2.6. Updates to the App may be issued through App Store or Google Play. Depending on the update, you may not be able to use our Services via the App until you have downloaded the latest version of the App.
3. YOUR OBLIGATIONS
3.1. You must be 18 years old to use the Services.
3.2. We are required by law to carry out security and customer due diligence checks on you (and parties involved in your transaction for example, the Recipient) in order to provide our Services to you. You agree:
3.2.1. to provide us with accurate and truthful information about your and the Recipient’s identity and any identity documents we request in a format acceptable to us;
3.2.2. to promptly update your personal information (including your address) if it changes;
3.2.3. to comply with any requests for further information and documents we require (including about the Recipient); and
3.2.4. that we may, directly or through any third party, make any inquiries we consider necessary to validate the information you provided to us, including checking commercial databases or credit reports.
3.3. You must make every effort to keep your Security Details safe and prevent unauthorised access to the Services by:
3.3.1. changing your Password regularly and ensure that it is not reused for other online services;
3.3.2. not sharing your Security Details with anyone, including us, and letting us know immediately if anyone asks you for your Security Details;
3.3.3. setting up 2-step authentication where prompted;
3.3.4. if you use biometrics (e.g. fingerprint or face identification) to authenticate actions in the App, make sure only your biometrics are registered and can be used in the App;
3.3.5. keeping your email account secure and letting us know immediately if your email address becomes compromised; and
3.3.6. contacting us immediately if you suspect your Security Details have been stolen, lost, used without your authorisation, or otherwise compromised. If this happens you should change your Password.
3.4. To contact us quickly, use the contact details set out at the beginning of this Agreement. Any delays in notifying us may affect the security of your account and data (including your Payment Method) and result in you being responsible for any financial losses.
3.5. You must not:
3.5.1. send Transfers in connection with illegal activity, including but not limited to money-laundering, fraud, and the funding of terrorist organisations;
3.5.2. misuse our Services by introducing viruses, trojans, worms, logic bombs or other materials which are malicious or technologically harmful or attempt to gain unauthorised access to our Website, our servers, computers or databases;
3.5.3. create more than one registration without our prior written permission;
3.5.4. use our Services for speculative trading;
3.5.5. submit a Payment Instruction or load a Wallet on behalf of someone else;
3.5.6. provide false, inaccurate, or misleading information; or
3.5.7. refuse to provide confirmation of any information you provide to us, including proof of identity, or refuse to co-operate in any investigation.
4. FEES AND EXCHANGE RATES
4.1. You must pay any Service Fees that are applicable to your Payment Instruction. Our Service Fees and live exchange rates are available on our website and in the App. Service Fees are due when you submit your Payment Instruction and are non-refundable.
4.2. When we refer to an exchange rate in this Agreement, it means the rate set by us for the relevant currency pair, which will generally change on a daily basis. For some currencies, there will be a difference between the exchange rate at which we buy foreign currency and the exchange rate provided to you, which is designed to cover our operating costs and the risk that exchange rates move between the time we send the Payout Amount to the Recipient and receive the Send Amount from you.
4.3. Service Fees may vary based on the type of Transfer (e.g. depending on the location of you and the Recipient and the amount you wish to send). We will let you know the exact amount you must pay in the App before you are asked to confirm your Payment Instruction.
4.4. The Wallet is designed for you to make Transfers, not as a way to save money in a different currency. If you do not use funds in your Wallet, we will start to charge you an Administration Fee. The Administration Fee will apply when you have funds in your Wallet but have not made a Transfer from the Wallet for over two (2) years. Before we start to charge or increase the Administration Fee we will contact you with plenty of time for you to make a Transfer or refund. The longer you hold funds in the Wallet without making a Transfer or asking for a refund, the more the Administration Fee will be. The amount of the Administration Fee is set out below:
4.4.1. The Administration Fee will be £30 a month (i.e. equivalent to approximately £1 a day to cover our costs of holding funds for you).
4.4.2. The Administration Fee will increase to £50 a month after two years (i.e. four years after you stopped using your Wallet).
4.5. You authorise us to deduct any Administration Fee or Service Fees and/or any other amounts you owe us from your Wallet.
4.6. Others might impose taxes, fees or charges on you, e.g. for use of a particular Payment Method to fund a Transfer or load the Wallet (e.g. unauthorised overdraft fees).
4.7. Others might impose taxes, fees or charges on the Recipient, e.g. a Service Provider may charge a fee to withdraw the Payout Amount. We may offer you the option of sending additional funds to cover the cost of that fee.
4.8. Your Payment Method may give you chargeback rights. You agree that you will not request a chargeback for reasons for which we are not responsible, such as a dispute with your Recipient. We may charge you for our costs associated with your chargebacks.
5. LOADING THE WALLET
5.1. You can load your Wallet using a Payment Method in your name accepted in the App.
5.2. You can load your Wallet in a different currency from the one in which the Wallet is denominated (e.g. you pay in GBP to receive an equivalent amount of electronic money denominated in a different currency). If you load money in a different currency from the one in which your Wallet is denominated, then:
5.2.1. we will apply our standard exchange rate (which may change at any time) and any applicable Service Fees for such exchange, as set out in the App at the time of conversion; and
5.2.2. our bank may contact us with a request for instruction, in which case we may contact you with further information.
5.3. When you convert funds from one currency to another using your Wallet we will charge any applicable Service Fees and an exchange rate, as set out in the App at the time of conversion.
5.4. The electronic money held in your Wallet will not earn any interest.
6. MAKING TRANSFERS
6.1. To make Payment Instructions in the App, you must:
6.1.1. provide information about your Transfer including the full name of the Recipient, the Recipient’s account details and the amount to be transferred;
6.1.2. select how to pay, either from a Payment Method in your name or from your Wallet balance; and
6.1.3. provide us with any additional information we may request relating to the Payment Instruction.
6.2. When you click “Send” on the confirmation page you authorise us to debit your Payment Method and initiate the Transfer.
6.3. When you are using the Services under this Agreement, it is your responsibility to make sure all the details are accurate before submission. You will be given the opportunity to confirm Payment Instructions before submission and you must check these details carefully. If you enter the wrong details you will send the Transfer to the wrong person and lose the Send Amount, we may not be able to get it back.
6.4. Once you click “Send”, we receive your Payment Instruction and will execute the Transfer immediately. You will not be able to cancel it (or change the details of the Payment Instruction). We will treat a Payment Instruction as received at the time you confirm the Payment Instruction, whether or not that is during a Business Day.
6.5. While we are generally able to send Transfers immediately, when the Recipient’s Service Provider receives the Payout Amount depends on the currency and Destination Country of the Transfer. If your Transfer is in any currency other than £ or € and to an account outside the UK and EEA, it will reach the account of the Recipient as soon as we can get it there. Banking practices will vary depending on the country - for more information on when a payment will be credited to the Recipient’s account you will need to contact that Service Provider.
6.6. Transaction times may be longer in the event that the Recipient’s Service Provider needs to undertake enhanced anti-money laundering checks on the transfer. Delivery times quoted on our website (or elsewhere) are representative for the “normal”/average service and are not a guarantee of an individual Service or Transfer time.
6.7. We may send notifications in relation to a Transfer by email, SMS and/or notifications via the App. We will provide you with information after acceptance of a Payment Instruction enabling you to identify the Transfer, along with details of the amount of the Transfer in the currency used in the Transfer, any Service Fees we may charge, the Payout Amount, and the date on which the Payment Instruction was received.
6.8. If you have made a Transfer for cash pick-up, if the cash is not validly picked up by the Recipient within 30 days of when it was first made available we may cancel the Transfer and, to the extent possible, refund the amounts to the Payment Method used. This is subject to the timings and conditions set by our payment processing partners.
7. OUR RIGHT TO REFUSE, DELAY OR SUSPEND A PAYMENT INSTRUCTION OR THE SERVICES
7.1. You agree that we may apply limits to the amount you are able to a) load onto your Wallet; and/or b) send to Recipients.
7.2. We may apply limits to your Transfers either on a per Transfer basis or on an aggregate basis, and either in respect of one set of registration details or one Payment Method or on related sets of registration details or Payment Methods. We might also limit the value of currency exchange you can carry out at any one time or over a period of time.
7.3. We may delay or suspend a Transfer, loading the Wallet, or a currency conversion via the Wallet including (but not limited to):
7.3.1. to verify your identity;
7.3.2. to respond to any security alerts which we receive in relation to your use of the Services or any particular Transfer;
7.3.3. to validate your Payment Instruction;
7.3.4. due to system outages within our Service Providers; and/or
7.3.5. otherwise to comply with applicable law.
7.4. We will attempt to maintain up to date information regarding the availability of Service Providers by means of information on our website or our App.
Refusing a Payment Instruction or suspending the Services
7.5. We may refuse any request to load funds to your Wallet or any Payment Instruction, or suspend your use of the Services if: we believe that:
7.5.1. it would put you over any limits we have in place or introduce;
7.5.2. it would violate this Agreement;
7.5.3. someone else is trying to load the Wallet or Payment Instruction or use the Services without your permission;
7.5.4. you may be acting illegally; or
7.5.5. we are required to do so by law.
7.6. We will generally inform you before or immediately after refusing a Payment Instruction or suspending your use of the Services, and provide our reasons for doing so. However, we will not provide reasons or any information if doing so is against the law or compromise our security measures.
8.1. You can request a refund of a Transfer within thirteen (13) months of the Transfer occurring if:
8.1.1. someone made a Payment Instruction without your permission; or
8.1.2. we fail to send a Transfer on time to the right Recipient and for the right amount, as set out on your confirmed Payment Instruction.
8.2. However, we may refuse a refund if we can show that:
8.2.1. you have acted fraudulently;
8.2.2. you intentionally or with gross negligence did not take reasonable steps to keep your Security Details secret;
8.2.3. you are asking for a refund of a Transfer that took place before you told us that your login was being misused;
8.2.4. the Recipient received the money into their account at the Service Provider; or
8.2.5. there was a mistake in the Payment Instruction (e.g. the Recipient’s account details) which you gave us.
8.3. If you wish to request a refund for a Transfer, you should do so immediately and in any event no later than thirteen (13) months after the Transfer. A request for a refund for a Transfer must be submitted in writing (by email) to the contact details listed in the Contact section, giving the Sender’s full name, address, and phone number, together with the Transfer tracking number, Send Amount, and the reason for your refund request.
8.4. If we have executed the Transfer in accordance with your Payment Instruction you provided, and that information was incorrect, we are not responsible for the error. We will make reasonable efforts to recover the funds if possible. We may charge you a reasonable fee, reflective of our efforts, to do so.
8.5. For Transfers made using a Payment Method, any refunds will be credited automatically to the latest known Payment Method used to fund the Transfer (if any), in the same currency used to fund the Transfer. We may request additional details from you to process the refund.
8.6. For Transfers made using your Wallet balance, any refund will be credited to the Wallet, in the same currency.
8.7. You can get a refund of balance from your Wallet by writing to us (by email) to the contact details listed in the Contact section.
8.8. If you request a refund of balance from your Wallet, you agree that the balance for which you requested a refund will be refunded to you in GBP at the exchange rate offered in the App on the day you request your refund.
8.9. However, we may refuse a refund of your Wallet balance if you request a refund more than six years after termination of this Agreement.
8.10. Any refunds will be credited to the latest known Payment Method used to load the Wallet (if any). We may request additional details from you to process the refund.
9. COLLECTION AND USE OF INFORMATION
9.1. The processing of your personal data is governed by our Privacy Notice which can be found on our website as well as further described in this Agreement.
9.2. We are required by law to obtain, verify, and record information about you. We may verify your residential address and personal details to confirm your identity. We may also pass your personal information to a credit reference agency, which may keep a record of that information. We may also need to verify the identity of a Recipient in the same way. All information provided by you will be treated securely and strictly in accordance with our Privacy Notice. By accepting this Agreement, you authorise us to make any inquiries we consider necessary to validate the information that you provide to us.
9.3. You consent to us processing, transmitting, and using your personal data for the purposes of providing the Services, including but not limited to for verification purposes as set out in this Clause, as well as any other purpose set out in our Privacy Notice. You also consent to us transmitting your name, address, phone number and date of birth or any other personal data along with your Payment Instruction to our Service Providers outside the UK. Full details are provided in our Privacy Notice.
9.4. We may be required by law to provide information about you, your use of the Services and your Payment Instructions to government or other competent authorities as described in our Privacy Notice. You acknowledge and consent to us doing this.
9.5. We may, as necessary in providing the Services, store all information required of a Recipient to prove his or her identity or associated with their specific Payment Instruction.
10. INTELLECTUAL PROPERTY
10.1. The App and the Services, the content, and all intellectual property relating to them and contained in them (including but not limited to copyrights, patents, database rights, trademarks, and service marks) are owned by us, our affiliates, or third parties. All rights, title, and interest in and to the Taptap Send website and the Services remain our property and/or the property of such other third parties.
10.2. The App and the Services may be used only for the purposes permitted by this Agreement or described on our website. You are authorised solely to view and to retain a copy of the pages of the Taptap Send App for your own personal use. You may not duplicate, publish, modify, create derivative works from, participate in the transfer or sale of, post on the internet, or in any way distribute or exploit the Taptap Send website, App, Services, or any portion thereof for any public or commercial use without our express written permission. You may not: (i) use any robot, spider, scraper, or other automated device to access the App or the Services; and/or (ii) remove or alter any copyright, trademark or other proprietary notice or legend displayed on the Taptap Send website (or printed pages of the website). The name “Taptap Send” and other names and marks of ownership of Taptap Send’s products and/or services referred to on the Taptap Send website are our exclusive marks or the exclusive marks of other third parties. Other products, services and company names appearing on the website may be trademarks of their respective owners, and therefore you should not use, copy, or reproduce them in any way.
11. ELECTRONIC COMMUNICATIONS
11.1. You acknowledge that this Agreement is entered into electronically, and that the following categories of information (“Communications”) may be provided by electronic means:
11.1.1. this Agreement and any amendments, modifications or supplements to it;
11.1.2. your Transfer History through the Services;
11.1.3. any initial, periodic or other disclosures or notices provided in connection with the Services, including without limitation those required by law;
11.1.4. any customer service communications, including communications with respect to claims of error or unauthorised use of the Services; and
11.1.5. any other communication related to the Services or us.
11.2. The Services do not allow for Communications to be provided in paper format or through other non-electronic means. You may withdraw your consent to receive Communications electronically, but if you do, your use of the Services will be terminated. To withdraw your consent, you must contact us by email.
11.3. Copy of Agreement: This Agreement is available for you to review at any time via the App or on our website. We will email a copy of these terms to you when you first register for the Services. You can also ask us to email you a copy of these terms (including any modifications) at any time.
11.4. Transfer History: Each month, we will email you your Transfer History. You may also download the Transfer History from the App for your own records.
11.5. Security: If we have to contact you because of a suspected or actual fraud or security threat, we will do it by calling or texting your mobile number.
12. OUR RESPONSIBILITY
12.1. We agree to provide the Services to you using reasonable care. You acknowledge that the Services may not be available, in whole or in part, in certain regions, countries, or jurisdictions.
12.2. Where we have materially breached this Agreement causing a loss to you, we will refund you the Send Amount and any Service Fee charged. Any claim for compensation made by you must be supported by any available relevant documentation.
12.3. If any loss that you suffer is not covered by a right to a refund, our liability is limited to the greater of: (i) the amount of any Service Fee that was paid to us; or (ii) GBP 500. This liability cap applies to any single Transfer, act, omission, or event and to any number of related Transfer, acts, and omissions or events.
12.4. We do not, in any event, accept responsibility for damages caused by:
12.4.1. any failure to perform the Services due to abnormal and unforeseen circumstances outside our reasonable control, which may for example include delays or failures caused by problems with another system or network (including those of our Service Providers), mechanical breakdown or data-processing failures;
12.4.2. non-payment or delay in payment of a Payout Amount to a Recipient or failure to perform a Transfer under the Services if you are in serious breach of this Agreement;
12.4.3. a Service Provider;
12.4.4. us meeting our obligations under any applicable laws, rules, or regulations; or
12.4.5. errors on the website or with the Services caused by incomplete or incorrect information provided to us by you or a third party.
12.5. We do not, in any event, accept responsibility for any funds after they are made available to a Recipient (whether in the Recipient’s account or for collection via a Service Provider).
12.6. Notwithstanding anything in this Agreement to the contrary, we are not responsible for lost profits, lost revenues, lost business opportunities, indirect or consequential damages. This is regardless of whether or not we had foreseen, or could have foreseen, or had been advised of, the possibility of such damages.
13. CHANGES TO THE AGREEMENT
13.1. We can make a change to this Agreement for any of the following reasons:
13.1.1. because of a change in legal or regulatory requirements;
13.1.2. if the change benefits you or we think it will make the Agreement easier to understand;
13.1.3. to reflect a change in our costs of providing you with the Services;
13.1.4. to reflect changes in the way our business is run, particularly if the change is needed because of a change in our industry that affect how we want to deliver the Services to you;
13.1.5. in response to possible risks to the security of your use of the Services;
13.1.6. because we are changing or introducing new services or products that affect our existing services or products covered by this Agreement; or
13.1.7. to respond to any other change that affects us, if it is fair to pass on the effects of the change to you.
13.2. However, we can’t anticipate everything that might happen while you are registered for our Services. This means we may also need to make other changes. If we do, when we tell you about the change, we’ll explain how it will affect you.
13.3. We will tell you about a change to this Agreement at least two (2) months before it takes effect. You may object to the change before it takes effect, which will end the Agreement. If you do not object to the change, we will take that as your acceptance of the change. If we add a new product or service that doesn’t change the terms and conditions for your existing Services, we may add the product or service immediately and let you know before you use it.
13.4. You will be notified of any upcoming changes to this Agreement by email to the email address you provided.
14. ENDING THE AGREEMENT
14.1. This Agreement will continue until you or we end it.
14.2. You can end this Agreement at any time free of charge by contacting us in writing (by email) at the details in the contact section.
14.3. We can end this Agreement and your access to the Services at any time, with two (2) months’ notice.
14.4. We can end this Agreement your access to the Services immediately if:
14.4.1. we reasonably believe you are using the Services fraudulently or illegally;
14.4.2. we must do so under any law, regulation, court order or ombudsman’s instructions;
14.4.3. if you haven’t given us any information we need, or we reasonably believe that information you have provided is incorrect or not true; or
14.4.4. if you have broken this Agreement in a serious or persistent way, and you haven’t put the matter right within a reasonable time of us asking you to.
14.5. We will inform you if we end the Agreement immediately as soon as we can, if the law allows.
14.6. When this Agreement ends, we will stop processing any new Payment Instructions and seek to refund any amounts held in your Wallet. We will continue processing Payment Instructions that were submitted and are still pending when the Agreement ends. Your payment obligations to us will continue after the Agreement ends.
15.1. If you have a complaint related to your use of the Services, please contact us via our Customer Service Team. We will acknowledge receiving your complaint promptly.
15.2. We will do our best to resolve your complaint as soon as possible, and send you a final response by email within 15 days of receiving the complaint. If, in exceptional circumstances, for reasons beyond our control, we need more time to respond, we will send you a holding reply within 15 days of receiving your complaint to let you know when you will receive our final response. The final response will be no later than 35 days from the date on which we first received your complaint.
15.3. If you do not receive our final response on time, or you are unhappy with our final response, you can refer your complaint to the Financial Ombudsman Service within six months of the date we sent (or should have sent) our final response to you. To contact the Ombudsman you can:
15.3.1. Call them on 0800 023 4567 (or +44 20 7964 0500. if you are outside the UK).
15.3.2. Contact them online: https://www.financial-ombudsman.org.uk/make-complaint
15.3.3. Find further information at https://www.financial-ombudsman.org.uk/consumers
15.4. You can also make a complaint to the Financial Conduct Authority.
16. HOW YOUR MONEY IS PROTECTED
16.1. We will hold your money when you add money to the Wallet or when we receive payment for a Transfer that has not yet completed. When we hold money for you, we protect it by placing it into one of the dedicated client money bank accounts that we hold with large commercial or central banks (client money accounts keep your money separated from our own money, and the types of banks we can use are set by regulations). This is called “safeguarding”. We keep safeguarding any money we hold for you (e.g. the balance in your Wallet) until you pay it out or get it refunded. In the event of our insolvency, you will be paid from these dedicated client money bank accounts in priority to other creditors in accordance with applicable law.
16.2. Your use of the Services does not qualify for protection under the UK Financial Services Compensation Scheme (“FSCS”). The Wallet is an electronic money account, not a bank account, so is not covered by the FSCS.
17.1. Governing Law: The laws of England and Wales apply to this Agreement.
17.2. Disputes: If you want to take legal action against us in the courts, only the courts of England and Wales can deal with a dispute between us in connection with this Agreement and our Services.
17.3. No Third Party Rights: Only you and we have any rights under the Agreement. This Agreement does not give rise to any rights under the Contracts (Rights of Third Parties) Act 1999 (or any other equivalent legislation).
17.4. Language: The language of this Agreement is English and all Services, Payment Instructions and Transfers carried out in connection with it will be in English.
17.5. Waiver: If you have broken the Agreement and we don't enforce our rights, or we delay in enforcing them, this will not prevent us from enforcing those or any other rights at a later date.
17.6. Transfer of rights: You may not transfer any of your rights or obligations under this Agreement to anyone else. We may transfer or assign this Agreement and/or any of our rights under this Agreement at any time without your consent.
17.7. Entire Agreement: This Agreement is the entire agreement between you and us. It replaces any earlier understandings, agreements, or discussions between you and us about the subject matter of this Agreement, use of the App and/or our Services.
17.8. Severability: If any provision of this Agreement is found to be void, illegal or unenforceable, the remaining provisions will not be affected in any way.
User Agreement: Version 4