By you agreeing to our User Agreement you consent to us providing our Service in the English language and also to us communicating with you in English.
Key Service Information
Please note : We are required by law to provide you with important information, particularly before you enter into a contract with us. We provide this information in our notice called our Key Service Information. This information does not form part of our Agreement but it will provide you with certain details about how we enter into this contract with you and your use of our Services. It includes information such as your rights to cancel or stop using our services, which we strongly suggest you read before entering into this Agreement with us.
Before agreeing to use our Services, please take the time to read the following information carefully. We also recommend that you store this document in a safe place – the terms of our User Agreement are legally binding This User Agreement ( "Agreement" ) is updated and effective as of June 11, 2019. It applies to users of the Remitly services based and resident in Austria.
1.1 This Agreement is a contract between you and Remitly U.K., Ltd ("Remitly", "we", "us" and "our"). It describes the terms by which you will be bound when you access and/or use our products (whether they be services or digital content) ( "Services" ). When we use the words "you" and "your" in this Agreement, they refer to users of our Services. This Agreement includes terms which relate specifically to when you register your details with us (that is, when you create a 'Profile' – see section 3.1 below) and also terms that you must agree each time you instruct us to make single payment transactions. Both sets of these terms are included in this one document for ease of reference.
1.4 When do the terms of this Agreement become legally binding on me? You accept and agree to the terms of this Agreement (including all Policies) when you:
1.5 Please note the following important information
As this Agreement sets out legally binding terms which apply to your use of our Services, please read and make sure that you are comfortable with them both before they become binding on you and each time you use our Services. In particular, please ensure that they contain everything you want and nothing that you are not prepared to agree, before you decide to accept them and use our Services. If you do not agree to any part of this Agreement, please do not use our Services. This Agreement contains certain limitations, risks as well as guidance on the proper use of our Services. To help you with your review, we highlight below some of the key provisions which you should take particular care in reading and understanding before using our Services. If you are still unsure of anything or you'd like more information, please take a look at the information on our website or contact us at firstname.lastname@example.org.
'Our Services' & 'Paying for our Services and Currency Exchange' (sections 2 and 5) – These sections give you information on the services we provide as well as what charges may apply. It also provides you with important instructions on how you are to pay us to use our Services. Please note that we advise you to not use our Services to send money to strangers.
'Getting Started and Using our Services' (section 3) – this provision explains who we permit to use our Services. Please note that it is very important that you do not use our Services on behalf of someone else.
'Sending money' (section 4) – this section provides you with important information regarding how we process money transfers.
'Important Service Restrictions' (section 7) – please review this section carefully. In particular, it sets out the list of activities known as 'Restricted Activities' which you are not allowed to carry out when using our services. It also provides details on what actions we can take if you do not use our services appropriately (which may include us not processing your transactions).
'Important Disclaimers' & 'Our Responsibility for Loss or Damage Suffered by You' (sections 12 and 14) – these sections explain the circumstances where we are (or are not) responsible to you when providing our services.
'Your responsibility for losses caused by you' (section 13) – this section outlines the circumstances when you might be liable for losses caused by you.
'Changes to our Services and our Agreement' (section 18) – this section gives important details on how we may change our Agreement with you.
2.1 Money transfers. Our Services allow persons based and resident in Austria to make money transfers to persons in the countries and regions that we notify you via our website and/or mobile app. Our Services operate such that a "Sender" uses our Services to send money and a "Recipient" receives money which has been disbursed via our Services. A " Transaction" refers to a payment order given by a Sender that instructs us to make a disbursement to a Recipient via our Services. The "Transaction Amount" is the amount paid to us by the Sender to execute a disbursement to the Recipient. The "Payout Amount" is the amount paid out to the Recipient.
2.2 We recommend you use our Services to send money to friends and family and, therefore, you should not use our Services to send money to strangers.
2.3 Third party agreements. To use our Services you may need to enter into agreements with other service providers which we call "Third Party Service Providers". For example, if you use our Services via our mobile app, you may need to enter into an agreement with your mobile device manufacturer and network operator. You agree to comply with the terms of the agreements you enter into with Third Party Service Providers and which are related to your use of our Services.
(Please also note the important service restrictions set out in section 7)
3.1 Profile Creation. To use our Services you must create a Remitly profile (your "Profile" ). Your Profile allows us to record certain information about you. Your Profile is not used as the means of executing payment transactions. As such, your Profile is not a bank nor payment account and it does not store any form of value (electronic or otherwise).
3.2 How you can create a Profile. To create a Profile you are responsible for and must:
3.3 You must use our Services for yourself only. You must not create a Profile, nor carry out a Transaction on behalf of or by using the identity of any other person.
3.4 It is very important that the information you provide us remains accurate and in particular, to always notify us of your current address. Changes to your primary residence address may require you to accept different Remitly terms of service for the region to which you have moved. In addition, as certain Services are currently offered only in select regions, changes to your primary residence address may result in you becoming ineligible for certain Services. If any information you provide to us (including your mailing address and/or e-mail address) changes over time, you must notify us immediately and/or amend the details in your Profile immediately so that the information you have supplied us is always accurate, truthful and complete. You are responsible for providing accurate and complete information at all times when using our Services.
3.5 Eligibility requirements to use our Services. As part of the Profile creation process, you will be required to agree to this Agreement (and such other documents as may be nominated by us from time to time). You must be at least eighteen (18) years old to access or use our Services as a Sender. We are registered and licensed to carry out our Services in the U.K. and carry out our Services in Austria under the aforementioned license on the basis of the EU freedom to provide services pursuant to Article 56 of the Treaty on the Functioning of the European Union. You must be based and a resident of Austria to use the Services provided by us. If you are a resident of another region, you may access the agreement that applies to you from the website for our Services in your country or region. Please also note section 8 on how and why we collect and verify personal information.
3.6 Restricted persons and territories. You may be aware that there are laws and regulations which place sanctions on certain countries and individuals which mean that organisations such as ours are restricted on providing our Services if they involve such matters. You may not use our Services if you are located or transact in certain regions or otherwise where we are legally prohibited from providing our Services. These restrictions are found in documents issued by the government in our licensing jurisdiction such as the Specially Designated Nationals list, Non-cooperative Countries and Territories list. You can find out further information on the above matters via https://www.gov.uk/government/publications/financial-sanctions-consolidated-list-of-targets. We may also not provide all or some of our Services to other persons or regions (whether or not they are connected to a sanctions list), if for example, in doing so, we would not be able to comply with the laws applicable to our Services. Use of certain Services may also have further eligibility requirements that will need to be verified prior to you using such Services.
3.7 Profile limit. You may only register and open 1 (one) Profile and we may place limits on the number of email addresses and payment instruments which can be associated with your Profile.
4.1 Funding Instruments. To send money via our Services you must use a permitted funding instrument (such as your debit or credit card) (" Funding Instrument") as we describe in our Services. We may place limits on the number of Funding Instruments that you can use via our Services.
4.2** Using your Funding Instruments**. You are required to provide us with (or permit us to have access to) details of a Funding Instrument to execute Transactions on a case by case basis. We may also require details of your Funding Instrument to pay fees and other obligations arising from your use of our Services. You must only provide us with details of a Funding Instrument if:
You authorise us to verify that your Funding Instrument is in good standing with the issuing payment service provider. We may verify your Funding Instrument by submitting a request for a payment authorisation and/or a low value credit and/or debit to the Funding Instrument, in accordance with the relevant card and payment scheme rules. We will comply with any card and payment scheme rule to refund any test payment amount charged to your Funding Instrument.
4.3 Processing your Transactions. If you submit a Transaction, you are requesting that we process your Transaction. You agree that we may accept or reject your offer made to us to process your Transaction under the terms of this Agreement and that we are not under any obligation to carry out any Transaction for you including, for example, if you have broken any of your obligations set out in this User Agreement in a non-trivial manner (and for this purpose, please make sure you do not carry out any 'Restricted Activities' mentioned in section 7). Please note that our Services are only made available to consumers, that is, it is only made available to individuals acting for purposes that are wholly or mainly outside an individual's trade, business, craft or profession. If you use our Services for a business, you will be breaking this Agreement and we may stop your use of our Services at any time without liability to you. Please also see section 7.2 on the restrictions applicable to funds being sent to India.
4.4 Transaction execution times. Subject to the other terms of this Agreement, you agree that we will use due and reasonable skill, care and diligence to execute your Transactions and credit funds to your Recipient's payment service provider with the following execution times after we have received your valid Transaction payment order on a Business Day, which may be:
The time of receipt of your payment order is when we receive it, subject to the terms of this Agreement. If we don't receive your payment order on a Business Day, we may treat the receipt of your payment order on the following Business Day.
There are special rules that apply to the timing of certain payments where our Service allows you to send money within the European Economic Area (which is also known as the "EEA" – this region includes all the countries in the European Union as well as Liechtenstein, Iceland and Norway).
These special payment execution rules are:
Payments made in Euro to Recipients in the EEA – these are made available to the Recipient's payment service provider no later than the end of the following Business Day after we receive your valid Transaction payment order in accordance with the terms of this Agreement.
All other payments made in EEA currencies to Recipients in the EEA – these are made available to the Recipient's payment service provider no later than the end of the fourth Business Day after we receive your valid Transaction payment order in accordance with the terms of this Agreement.
We agree that the 'special payment execution rules' outlined above do not apply to payment transactions executed in other currencies.
Please note that while the Recipient's payment provider is likely to be under a legal obligation to make these funds available once they have received them, there may be further delays in your Recipient receiving the funds depending on matters such as the Recipient's payment service provider's opening hours as well as them completing their own customer identity checks on the Recipient.
4.5 What we need from you to process your Transactions. Our obligations in 4.4 above are also subject to:
You having sufficient funds. While there may be circumstances where we may do so, we are under no obligation to treat your payment order as received by us nor process your Transaction if you do not have (or we have not received) sufficient cleared funds to enable us to carry out the Transaction. For this purpose 'cleared funds' are funds which are not pending; are available for use without restriction from your registered and valid Funding Instrument; and are settled via their applicable payment network scheme.
You providing us with valid consent to execute your Transaction. Your valid consent is provided in the following manner:
4.6 Your payment authorisation to us. In order for us to process your Transaction you authorise us to charge any of the Funding Instruments which we are able to accept (which may include your eligible credit card and/or debit card). You can withdraw your authority for us to charge your Funding Instrument by removing it from your Profile. If your payment fails you authorise us to re-try one or more times using the same Funding Instrument. By adding a Funding Instrument to your Profile with us or otherwise funding a payment with it, you are telling us that you are the lawful user of that Funding Instrument(s). Please also be aware of certain fees which may be liable to you when using different types of Funding Instruments as further described in section 4 (Paying for our Services and Currency Exchange).
4.7 Transaction information. Unless we have restricted your use of our Services you can access your details of executed payment transactions and other information relating to your transaction history by logging into your Profile on our website and clicking on "Transfer History" tab (or such other area that we may make available from time to time to display your transaction history with us). You agree to review your Transactions through your Profile instead of receiving periodic statements by post.You will also be able to access a downloadable report via the "Transfer History" section of your Profile. The "Transfer History" section will also show relevant details of your Transactions including all fees incurred and any other amounts charged to you in the relevant period. The "Transfer History" will only be updated and made available if there has been any activity or any fees have been incurred in the relevant period. The way in which we provide the transaction information will allow you to store and reproduce the information unchanged, for example by printing a copy. We will ensure that the details of each Transaction will be made available for you to view online for at least 13 months from when it is first made available .
4.8 Please ensure that you provide us with the correct Transaction details – they may not be able to be corrected afterwards. When you make a Transaction with us, it is your responsibility to make sure that all the Transaction details are complete, accurate and correct (including, without limitation, the recipient's and their "pay out" details). Subject to the exception which follows, once we have received your Transaction payment order we are unable to change it (nor can we "revoke" it at this time). However, you may be entitled to a refund in certain circumstances and you may cancel a valid Transaction at any time while it is pending. See Section 9 for more details.
4.9 Other rights available to you. You may have certain rights and protections that are provided to you under your agreement with your Funding Instrument provider or generally by the law with respect to the payments for a Transaction made to your registered credit or debit card. You should consult your agreement with your Funding Instrument provider for details on any such protections.
5.1 Our Service Fee. In consideration of our providing you with our Services, you agree to pay us a service fee ( "Service Fee" ) with each transaction you submit to us, in addition to the Transaction Amount all at the time you submit a transaction with us. Clear details on the discrete Service Fee amount related to a Transaction will be made available to you prior to you giving us your consent to execute your Transaction, giving you time to consider whether you wish to be charged that Service Fee for our Service. You can also find details of our Service Fees here. For some services, we may agree not to charge you a Service Fee. Payment of our Service Fee and the Transaction Amount in Euros is due and payable by you to us at the time the Transaction is submitted by you for processing. You agree that we may deduct any Service Fee or other fee that you may owe us from any payment Transaction Amount that we may make available to your nominated Recipient.
5.2 How you can pay us for our Services. We only permit you to pay for our Services (including payment of the Transaction Amount and any applicable Service Fee):
a debit or credit card, the acceptable brands of which we will notify you via our Service ("Express Transaction")
Under no circumstances are we obligated to accept payment for our Services using other payment methods. If you pay us (or attempt to pay us) with a different payment method (for example, in cash) or in a manner in which we do not notify you to make payment, we are under no obligation to provide you with our Services and this will be treated by us as you breaking a material term of this Agreement.
5.3 "Express Transactions". If you use our 'Express Transaction" service you agree to pay us using a debit or credit card and you further agree to pay us the Transaction Amount as well as any fee or charge you owe us under this Agreement using your nominated debit or credit card. Each time you submit a Transaction to us, you agree that we are authorised to charge your nominated debit or credit card for any money transfer Transaction as well as the fees you owe us before we carry out our payment services or any other transaction.
5.4 Other fees you may owe us. If you submit a Transaction that results in us being charged a fee as a result of your Funding Instrument not being used in a potentially legitimate manner, you agree to pay us the amount equivalent to the amount we are charged. In particular, if you submit a transaction that results in us being charged "NSF fees", "chargeback fees", or other similar costs, you agree to reimburse Remitly for all such fees. These other fees and charges are due by you to us at the time we notify you the applicable fee or charge has arisen. To explain some of these fees in more detail: a "NSF" fee (also known as an 'insufficient funds' fee) arises to the extent that we are notified and charged a fee from our banking partners when there are insufficient funds in the bank account you use to fund your Transaction. Also, a 'chargeback fee' arises following a challenge made by a user of a card directly to their card issuer (such as a bank). For example, this may occur if a card user makes a claim to their bank that a payment made on that card as part of the use of our Service has been done so illegitimately and then that card issuer makes an ultimate claim against us for being involved in any such transaction.
5.5 Currency conversion and exchange rates. Our Services only permit you to send money transfers in certain currencies. Usually this will be the currency which is available in the Recipient's country or region, but could involve others. Our online forms will calculate the currency which is available to your Recipient and what exchange rate will apply. You will be able to check this before you make a Transaction and it will also be notified to you in our Transaction confirmation notice. You acknowledge and agree that we may earn revenue from the exchange rate applied to a Transaction and by instructing us to process a Transaction via our Service, you agree to the application of the exchange rate calculated for that Transaction.
5.6 You are responsible for third party fees and charges. When using our Services, other third parties may levy fees, costs or other liabilities. This may include your bank, card issuer, phone provider, internet service provider. For example, some credit card issuers may treat the use of your credit card to use our Services as a "cash advance" and may impose additional fees and interest cost for the transaction. Also, your phone and/or Internet service provider may charge you fees relating to data and messaging services. You (and not us) are responsible for any fees, charges, costs and/or expenses charged by such third parties in connection with your use of our Services. Please check your agreements with these third party providers for details on any of these additional costs.
5.7 Taxes. The reporting and payment of any applicable taxes arising from your use of the Services is your responsibility. You agree to comply with any and all applicable tax laws in connection with your use of the Services, including without limitation, the reporting and payment of any taxes arising in connection with your Transactions made through the Services.
6.1 Service Providers. We work with local banks and other third party outlets (each, a "Service Provider" ) to make funds available to Recipients which may be made available by bank deposit, cash collection or other methods as we may describe via our Services. We try to provide current information on our website about the location, availability, and hours of our Service Providers. Please note that these may be subject to change without our knowing and we are not responsible for any inaccurate or incomplete information that may be posted on the website due to us being provided with inaccurate, incomplete or out of date information. We will cancel funds made available to Recipients by way of cash collection if they are not validly collected within 60 days of when they were first made available and to the extent possible, refund the amounts to the Funding Instrument used to send the payment (further subject to the timings and conditions set by our payment processing partners).
6.2 Verification. Recipients will be required to prove their identities before receiving funds by presenting valid identification. Also, Recipients may be required to provide a reference number or another similar identifier associated with their Transactions. The exact details required will depend on the Recipient's Service Provider and which may be notified to you via our Service.
7.1 Our general right to limit your use of our Service. In addition to the limitations described elsewhere in this Agreement, we may refuse any Transaction where it is reasonably necessary to protect you and/or us or otherwise required so that we comply with legal or regulatory requirements. You agree that we may also establish general practices and limits concerning the use of our Services, including, without limitation applying limits on the amount to be transferred, either on a per transaction or aggregated basis. These limits are determined by us and based on our assessment of performance and risk factors, which may include any or all of the following: our risk assessment of your Profile, your location, a Recipient's location, the registration information you provide us and our ability to verify it and any legal requirements we may have to comply (for example, some laws of a particular region may not allow us to provide our Services with the same functionality that we can provide it to you). These limits may be imposed on individual Profiles or where we have reasonably determined, based on evidence imposed on Profiles which are linked profiles. We may also use fraud and risk modelling when assessing the risk associated with your use of our Services (including when you register for your Profile).
7.2 Transactions to India. Remitly processes transactions to India pursuant to the Rupee Drawing Arrangements, as established by the Reserve Bank of India. You understand that use of the Service for commercial purposes or contributions to charitable organisations is prohibited.
7.3 Restricted activities. In addition to the above, we treat the following matters as "Restricted Activities" , that is, if you:
You acknowledge and agree that engaging in the above Restricted Activities is not authorised by us and it diminishes your or other Remitly customers' secure access and/or use of your Funding Instrument, Profile or the Services generally. You further agree to co-operate with us, as we may reasonably require to investigate any Restricted Activity related to your use of our Services.
7.4 You agree not to conduct any Restricted Activities. If:
then we reserve the right to, without liability to you take the actions referred to in section 7.5 below.
7.5 Actions we may take. The actions we may take as referred to in section 7.4 may include one or more of the following, depending on the circumstances:
7.6 In the event that we suspend, refuse to carry out a payment transaction and/ or otherwise restrict your use of our Services, we will attempt to notify you, if permitted by law, by electronic means (such as via our websites, mobile app, e-mail, smartphone notifications, phone and SMS) unless we communicate with you in a different manner if expedient and/or safer to do so. We will also notify you of the reasons for such actions being taken in advance or, where we are unable to do so, immediately after the suspension or restriction has been imposed, (unless notifying you would be in contravention of any laws or otherwise compromise reasonable security interests). Depending on the circumstances relating to any suspension or stopping of your use of our Services, we may remove the suspension and/or the restriction as soon as practicable after the reasons for the suspension and/or restriction no longer exist. Suspension of your use of a Service will not affect your rights and obligations pursuant to this Agreement arising before or after such suspension or with respect to any non-terminated Services.
7.7 Nothing in this section limits your rights to complain about our decisions (informally via our customer service channels, making a claim against us with the Financial Ombudsman Service (see section 15), other dispute resolution organisations or in court).
8.5 Verifying your personal information. You authorise us to make any inquiries, to you or to others, which are necessary to validate the information that you provide to us. This may include asking you for additional information, requiring you to take steps to confirm ownership of your email address or financial instruments, verifying your information against third party databases, or through other sources such as a credit reference agency.
9.1 Error Resolution. Please let us know at any time if you have any problems with the Service. If you think there has been an error or a problem with your money transfer, you must contact us within 180 days of the date we promised to you that funds would be made available to your Recipient. We will not seek to hold you liable for any unauthorised use of your Profile by any person provided that we are satisfied that you have not acted fraudulently. Please notify us without undue delay of any unauthorised or incorrectly executed Transactions and/or any other loss, theft or misappropriation related to the use of our Services. You must contact us in any event no later than 13 months after the date your Transaction was executed. If you do not promptly notify us within this timeframe, we may not be able to assist you, nor issue of refund. You can contact us using the contact information in section 16.1 or via the email address email@example.com. For more information about error resolution click here.
9.2 Refund before your Transaction is completed. You can cancel a valid Transaction at any time prior to its completion, by calling us at 0800 0869 992; sending us an email to firstname.lastname@example.org writing us at Remitly U.K., Ltd, attn.: Error Resolution Welby House, 96 Wilton Road, London SW1V 1DW . We will communicate with your in English to comply with this provision. Completion means that your Recipient claimed the money you sent (such as through cash pick-up or if the funds had been credited to the Recipient's bank account). The Transaction Amount will not be refunded after completion.
9.3 Our Goodwill Guarantee. If you are not satisfied with our service for any reason we will refund you the Service Fee amount of the applicable Transaction (our "Goodwill Guarantee" ). Our Goodwill Guarantee is provided by Remitly U.K. Ltd., of Eighth Floor, Ten Bishops Square, London, United Kingdom, E1 6EG to its Austrian customers. To receive our Goodwill Guarantee you are required to contact us by either calling us at 0800 0869 992, send us an email at email@example.com or write to us at: Remitly U.K., Ltd attn.: Customer Service Welby House, 96 Wilton Road, London SW1V 1DW within 180 days of the Transaction. Our Goodwill Guarantee is provided to you in addition to your legal rights and does not affect your rights under law, such as with respect to our performance of the Services with reasonable skill and care. Please also see section 14 (Our Responsibility for Loss or Damage Suffered by You).
9.4 Payment of Refunds. All refunds as well as the Goodwill Guarantee will be credited to the same Funding Instrument used to pay for the Transaction. Refunds as well as the Goodwill Guarantee are only made in currency you have paid us and will not be adjusted to account for changes in the value of the currency amount or any other foreign currency from the time your Transaction was submitted. Except in the case of a refund related to a valid claim that your payment was unauthorised, if the Funding Instrument you used to pay for the original Transaction is no longer valid and we are unable to find a mutually acceptable solution, we are under no obligation to make the refund. Additionally, we are not responsible nor liable to you for any loss you may suffer (or for any form of refund) if you send money to someone other than ourselves in connection with your use of our Services and/or your payment is not recognised by us due to you not providing the correct details.
9.5 Tracing your payments. If you ask us to trace a payment you made to a Recipient in the EEA we will do so and let you know of the outcome. Please also contact us if you sent a valid Transaction to a Recipient in the EEA and they receive it later than what we have agreed under this Agreement (see section 5). If appropriate, we will ask the Recipient's bank (or other applicable payment service provider) to correct the payment.
10.1 Duration of this Agreement. The term of this Agreement starts at the time this Agreement becomes binding on you (see section 1.4) and ends when it is terminated for any reason. There is no minimum term for this Agreement.
10.2 When you can end this Agreement without any reason. You may terminate this Agreement at any time for any reason by closing your Profile by emailing us at firstname.lastname@example.org calling us at 0800 0869 992 or otherwise by writing to us at Welby House, 96 Wilton Road, London SW1V 1DW.
10.3 Your Cooling Off Period. In addition to your other rights under our Agreement, the law grants you the right to cancel and terminate this Agreement during a period of fourteen (14) days which commences on the day after you accept this Agreement "Cooling Off Period." This is subject to certain conditions which follow.
10.4 How you can cancel our Agreement during the Cooling Off Period. You can cancel and terminate this Agreement during your Cooling Off Period by sending a notice of cancellation to:
10.5 Conditions related to your rights to cancel during the Cooling Off Period. Your Cooling Off Period is subject to the following, that is, if you terminate this Agreement during your Cooling Off Period:
10.6 When we may end this Agreement without any reason. We may, without liability to you, terminate this Agreement at our convenience and without liability by giving you at least two (2) month's prior written notice. This right is in addition to the other rights we may have to suspend or terminate your use of our Services which may happen immediately or in less than two (2) month's prior written notice – see for example section 7 (Important Service Restrictions).
10.7 What happens after my Profile is closed or this Agreement has ended? If your Profile is closed and/or this Agreement has ended, you agree:
10.8 Even if our Agreement has ended, you may still be liable to us for our fees. Any termination of this Agreement does not relieve you of any obligations to pay any Transaction, fees or costs owed by you prior to the termination and any other amounts owed by you under this Agreement. Remitly expressly reserves its right to commence debt collection or assert claims against you for any such outstanding amounts.
10.9 Survival of sections after our agreement has ended. Sections of this Agreement that are reasonably necessary to accomplish or enforce the purpose of this Agreement after it has ended will survive and remain in effect in accordance with their terms upon the termination of this Agreement.
11.1 What is "intellectual property"? Intellectual Property might be a brand, an invention, a design, a song or another intellectual creation.
11.2 Ownership of the Service intellectual property. You acknowledge that the Service, including the content of this website, text, graphics, logos, and images, as well as all other Remitly copyrights, trademarks, logos, and product and service names are owned exclusively by us, one of the companies in our corporate group or an authorised licensor (the "Remitly Intellectual Property" ). You are authorised solely to view and retain a copy of the pages of our website or our app for your own personal, non-commercial use.
11.3 No transfer of our intellectual property rights. This Agreement does not transfer any of our intellectual property rights existing as at the date we entered into this Agreement, nor does it transfer any intellectual property rights which are created or developed on our behalf during the term of this Agreement or otherwise. You further agree not to: (i) remove or alter any author, trademark or other proprietary notice or legend displayed on our websites and/or apps (or printed pages of them) or (ii) infringe our or any other third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy.
11.4 Licence grant. If you use our software as part of using our Services then we and our licensors grant you a licence that is personal to you only, limited, non-exclusive, revocable, non-transferable and without the right to sub-licence. A "licence" is legal way in which we are able to grant you the right to use something – in this context we use to describe how we grant you the right to use the Service (including its software). You are permitted to use the software provided by us for use solely for the purposes of availing of our Services pursuant to this Agreement and for no other purpose whatsoever. Unless expressly granted by us in this Agreement, nothing in this Agreement shall be interpreted as granting you a licence to use any of our software or intellectual property rights.
11.5 Suggestions and feedback. If you provide us with any suggestions, feedback or input ("Customer Input") related to our Services, we (and our corporate group entities) will own all right, title and interest in and to the Customer Input, even if you have designated the Customer Input as confidential. We and our corporate group entities will be entitled to use the Customer Input without restriction. You assign to us all right, title and interest in and to the Customer Input and agree to provide us with any assistance we may require to document, perfect and maintain our rights in the Customer Input. For this purpose the word: "assign" is legal term which means legally transferring the benefit, such as you legally transferring the benefit of the Customer Input to us.
12.1 General disclaimer of our Services. While we aim to maintain an uninterrupted Service and we make reasonable efforts to ensure that Transactions are processed in a timely manner, we don't promise that your access to, or use of, our Services, including the time needed to complete the processing of payment transactions will be delivered uninterrupted, securely, timely or error-free, or that our website, mobile app or Services will be free from viruses or other harmful properties if due to circumstances outside our control. Not all of our Services will always be available from the manner by which you access it. For example, some Services or features that you may access by using our website may not be available via our mobile app (and vice versa). This means that our liability to you is limited if there are interruptions to our Services, including, but not limited to: system failures or other interruptions that affect the receipt, processing, acceptance, completion or settlement of Transactions or the Services. If you are dissatisfied with our Services, you may choose to discontinue using our Services and/or close your Profile at any time by emailing us at email@example.com or otherwise calling us at 0800 0869 992.
12.2 Digital content supplied for free. To the extent that you do not pay us for digital content we supply you (such as our mobile app) we supply such digital content on an 'as is' basis and it is supplied by us without any representation nor warranty by us as to its quality, fitness for any purpose, matching to any description or information supplied, nor any rights that we have as to its supply. Subject to section 14.2(b) ("Defective Digital Content"), we are not responsible nor liable to you for any loss or damage you may suffer as a result of your access or use of this digital content.
12.3 Suspension of our Services. In addition to other rights we may have to suspend our Services, we may have to suspend the supply of our Services to: deal with technical problems or make minor technical changes; update our Services to reflect changes in relevant laws and regulatory requirements; and/or make changes to our Services which we have notified to you (or in which you may have notified to us). In addition, we may from time to time, carry out maintenance of our Services which may result in certain parts of our Services being unavailable, in which case we will endeavour to notify you in advance. We are not liable to you for the unavailability of our Services due to these reasons.
12.4 Commercial Transactions. You should not use the Service to send money except to people that you know. We are not responsible for, the quality or delivery of goods or services that you pay for using our Services. You accept that using our Services to pay for goods and services is at your own risk. In particular, as we are not involved in, nor responsible for, nor have any control over any underlying arrangement you may have with any other person associated with your use of our Services, we will not mediate any disputes, nor enforce or execute any arrangement you may have with such persons.
12.5 No guarantee of the services provided by your third parties. We do not guarantee, nor are we responsible nor liable for the accuracy, completeness or usefulness of any third party service provider that you have entered into an agreement with and that is used in connection with your use of our Services (including your internet service provider, the issuer of your Funding Instrument and/or your mobile device manufacturer or network operator). You acknowledge that the selection of such persons or the purchase of any goods and/or services from them is solely your choice. We strongly encourage you to do your own research into choosing such providers.
12.6 Data security measures. We have implemented certain measures designed to secure your personal data from accidental loss and unauthorised access, use, alteration or disclosure. However, we cannot guarantee that unauthorised third parties will not be able to defeat those measures or use your personal data for improper purposes. You acknowledge that any personal data or other information is provided to us is at your own risk.
12.7 Your responsibility for maintaining your equipment and implementing safeguards. It is your responsibility to implement satisfactory safeguards and procedures to make sure any data or other information you submit through our Services are free from contaminations or other harmful properties. Further, you shall be responsible for obtaining and maintaining all communication networks, hardware, and other equipment needed for access to and use of our Services, and you are responsible for all such related charges. We do not promise that our Services will be supported on your device or that our websites and/or mobile app will support all browser types or otherwise be compatible with your communications equipment. In addition, if you access and/or use our Services via a mobile device, you agree and acknowledge that the downloading, installing or using certain mobile applications may be restricted by your mobile network operators and/or device manufacturer and not all the Services may work with all mobile network operators or devices. You agree not to use our Services on devices that have been modified contrary to the manufacturer's software or hardware guidelines.
13.1 This section is an important provision which sets out when and how you may be expected to pay us reasonable compensation. There are some terms which are capitalised in this section which have special meanings and which are further explained at the end of this section. Please read them when reviewing this section
13.2 You promise that you will pay , immediately owe and be liable to a Remitly Party for an amount equal to its Losses if a Remitly Party suffers or becomes liable for Losses arising from or related to:
13.3 Words with special meanings:
13.4 In no event shall you enter into any settlement or like agreement with any party that affects our rights or binds us in any way, without our prior written consent.
14.1 We are responsible to you for foreseeable loss and damage caused by us. If we fail to comply with this Agreement, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this Agreement as well as damages you suffer as a result of our breaking this Agreement in a grossly negligent manner or damage you suffer that is a result of our failure to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen, or if, at the time the contract is made, both we and you knew it might happen. We are not responsible for any loss or damage you suffer which is a result of you breaking this Agreement or you acting fraudulently.
14.2 Defective digital content. The level of our responsibility to you for loss or damage you suffer from our supply of digital content (such as our mobile app) depends on whether you have paid for it or not. We do not consider that our mobile app is digital content that you have paid for (either directly or indirectly) because it is generally available to you without charge and also without you having to use the part of our services which levy a fee on you by us.
14.3 Exceptions to our limits on being liable to you. The limits on our liability to you under this Agreement do not apply if you suffer loss as a result of:
14.4 We are not liable for business and certain other losses. We only supply our services and digital content to you for domestic and private use. If you use our Services for any commercial, business or re-sale purpose neither we or our service providers (and each of their respective group companies, officers, agents, partners, contractors and/or employees) will have any liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity. We are also not liable to you for any losses you suffer as a result of our disbursement partners that pay-out funds to your Recipients. As mentioned above, we are not liable for any loss or damage that is not foreseeable.
14.5 We are not liable for actions we take to comply with laws or for Events Outside Our Control. We will not be liable or responsible for any losses you may incur that were not our fault or were because of any failure by us to perform (in part or full), or delay in the performance of, any of our obligations under this Agreement that is caused by our compliance with any law or regulation (including, without limitation, us seeking to comply with any anti-money laundering or counter terrorism law or regulation) or an "Event Outside Our Control".
14.6 Meaning of 'Events Outside Our Control". An "Event Outside Our Control" means any act or event beyond our reasonable control, the consequences of which would have been unavoidable despite all efforts to the contrary and include without limitation strikes, lock-outs or other industrial action by third parties, civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war, fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster, or failure of public or private telecommunications networks (including without limitation power failures, mobile network failures and Internet disturbances). This would also include suspension of our Services resulting from maintenance and upgrades to our systems or the systems of any party used to provide our Services, outages on any phone network or in the case of mobile networks where you are not in an area of mobile coverage.
15.1 Disputes with Remitly – please contact us first. If a dispute arises between you and Remitly, our goal is to learn about and address your concerns. Disputes between you and Remitly regarding the Service may be reported to us using the email address: firstname.lastname@example.org; by telephone: 0800 0869 992; or by mail at Remitly U.K., Ltd: Welby House, 96 Wilton Road, London SW1V 1DW.
15.2 Alternative dispute resolution. Alternative dispute resolution is a process where an independent body considers the facts of a dispute and seeks to resolve it, without you having to go to court. If you are not happy with how we have handled any complaint, you may want to contact the alternative dispute resolution provider made available to you. You can submit a complaint to the UK Financial Ombudsman Service ("FOS"). The FOS is a free, independent service which might be able to settle a complaint between you and us. You may obtain further information regarding the FOS, the methods by which you can access their services, and their contact details via www.financial-ombudsman.org.uk. The FOS will not charge you for making a complaint and if you are not satisfied with the outcome you can still bring legal proceedings. In addition, please note that disputes may also be submitted for online resolution via the European Online Dispute Resolution Platform accessible at: http://ec.europa.eu/odr.
15.3 Which laws apply to this Agreement and where you may bring legal proceedings. The terms of this Agreement are governed by English law. This means that this Agreement and any dispute or claim arising out of or in connection with it will be governed by English law. You and we both agree to that the courts of England and Wales will have non-exclusive jurisdiction. This does not limit your rights granted by law, if and to the extent applicable, to file claims at the competent court at your domicile.
16.1 Our details and how to contact us. Our name is Remitly U.K., Ltd and we are a company registered in England and Wales with company registration number 09896841. Our registered address is at Eighth Floor, Ten Bishops Square, London, United Kingdom, E1 6EG. The location of our head office is at Portland House, Bressenden Place, London SW1E 5RS. Questions, notifications, and requests for refunds or further information can be sent to Remitly, as follows: online; by telephone at 0800 0869 992; or by mail at Remitly U.K., Ltd., attn: Customer Service, Portland House, Bressenden Place, London SW1E 5RS.
16.2 Our regulators. We are regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (reference number: 728639) for the provision of payment services. We are also registered with the HM Revenue and Customs (HMRC), 100 Parliament Street, London, SW1A 2BQ, as a money service business (with registration number 12861136 (00000)) and the UK Information Commissioner (registration ZA169080), Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.
16.3 How we communicate with you. We will conclude this Agreement in German and provide our Service and communicate with you in English... You acknowledge that this User Agreement shall be entered into electronically, and that the following categories of information ("Communications") may be provided by electronic means (such as via our websites, mobile app, e-mail, smartphone notifications, phone and SMS) unless we communicate with you in a different manner if expedient (such as due to fraud or security threats) and if we are required by do so by law or regulatory requirements (for example, there may be circumstances where we are required to mail you certain information if we enter into any legal dispute):
This information will be provided from time to time or at the frequencies mentioned elsewhere in this Agreement or as we may notify to you via our Services. You must have a device that can access the internet (such as a desktop computer or smartphone); internet access and an e-mail account to receive communications and information relating to the Services.
16.4 When we treat communications as having been received by you. With the exception of amendments to this Agreement (see section 18), a notice that we provide to you shall be considered to be received by you within 24 hours of the time it is posted to our website(s), emailed, text to you. If for any reason we have to send a notice by mail, we will consider it to have been received by you three Business Days after it is sent if you have been able to take notice from such notification or you have failed to notify us of a change of your address.
16.5 Communications via phone and text. Communications may also be provided to you through the use of autodialed or pre-recorded message calls or text messages at the telephone number(s) that you provide us with. We will not use autodialed or pre-recorded calls for unsolicited marketing purposes without your consent. You agree that we may record our calls with you for legitimate business purposes such as to establish facts discussed in our calls, for training and security purposes, to detect any illegitimate use of our Services and/or also to comply with our legal and regulatory requirements.
16.6 We may use third parties to contact you. We may contact you directly or we may share your contact details (such as your phone number) with service providers with whom we contract to provide such Communications. Standard telephone minute and text charges may apply.
16.7 Your access to certain information. You may request a copy of this Agreement or any other information you are entitled to under law at any time from us while this Agreement has not ended between us. We will also provide you with information concerning your Transactions and other information which we are required to provide you under law via e-mail, your Profile, our websites and/or mobile app. Unless we are required to do so by law, our Service does not allow for Communications to be provided in paper format or through other non-electronic means. You may withdraw your consent to receive Communications electronically, but if you do, your use of the Service shall be terminated. In order to withdraw your consent, you must contact us using our contact information in section 16.1.
17.1 Your security is very important to Remitly, and we use a variety of security measures to make sure that your information is secure. We urge you to think carefully before sending money to anyone that you do not know well. In particular, you should be cautious of deals or offers that seem too good to be true.
17.2 Your obligations to safely use our Services. You agree to perform the following actions to safely use our Services:
(a)not engage in any of the Restricted Activities (see section 7);
(b) keep the details of your Funding Instruments and Security Credentials (such as your password) safe;
(c) not allow anyone else to have or use your Funding Instruments or Security Credentials (such as your password details), nor disclosure your Security Credential details except when you use our Services;
(d) never write your Security Credentials in a way that can be understood by someone else nor choose a password that is made more memorable to you such as a sequence of letters or numbers that may be easy to guess;
(e) ensure any devices and/or equipment used for our Services operate virus checks and firewall protection;
(f) notify us as soon as possible on becoming aware of any failure, delay, malfunction, virus or error with our services;
(g) have contingency arrangements to cover any unavailability of our services, or system or operational failures; and
(h) comply with all reasonable instructions we may issue regarding keeping your Funding Instruments and your use of our Services safe.
17.3 Using your fingerprint to access our Services. We may provide you with the functionality to scan your biometric information on your compatible device to access your use of our Services (for example, by scanning your fingerprint using 'TouchID'). Please note that anyone who has their biometric information registered on such a device (such as a fingerprint) may be able to access your use of our Services. If this functionality is made available and you choose this option:
17.4 Contact us immediately if you think your use of our Services has been compromised. If you think you have been or might be a victim of fraud or the Services have been used without your permission (including if you believe that the email addresses registered with us have been compromised), please contact us immediately by telephone at 0800 0869 992. If you are aware of anyone or any entity that is using the Service inappropriately, please email us at email@example.com. And if you receive any fake (phishing) emails, purporting to be from Remitly, please forward them to us at firstname.lastname@example.org.
18.1 Changes to our Services and updates. We may, from time to time, offer other service functionality or services. This may include: software maintenance, service information, help content, bug fixes, maintenance releases, modifications, amendments and/or upgrades to the existing Services. An example of when we might require to make adjustments to our Services may be to address a security threat. We may also require you to update digital content, provided that the digital content matches the description of it that we provided to you before you obtained it. These additional services are subject to the terms of this Agreement (as maybe modified in accordance with this section) or other terms and conditions made known to you when we make the other service functionality available.
18.2 Changes to this Agreement. We may make changes to this Agreement from time to time on the basis that you are able to end the Agreement without charge by us.
18.3 Reasons why we may change this Agreement. We may change the terms of this Agreement for any or all of the following reasons:
18.4 Notifying you of changes. Any changes to the terms of this Agreement will be made available to you by posting on our website, app and/or via email the revised version of this Agreement with an updated revision date (which may include us making the current version of this Agreement available to you as part of the process of when you submit a Transaction with us) .
18.5 Our additional right to unilaterally change this Agreement. If the revised version of this Agreement includes a change and we wish to change the terms of this Agreement without you accepting them, we will provide you with at least 2 months' prior notice of the change (" Change Notice") or seek your agreement in another way. If we provide you with a Change Notice, you will be entitled to terminate this Agreement immediately without charge by contacting us via the methods set out in section 10.4, provided that you provide such notice within the notice period we give you before the applicable variation of the Agreement is to become effective. Following the expiration of our Change Notice (and if you have not terminated this Agreement before its expiration), you shall have deemed to have accepted the changes to the terms of this Agreement two (2) months from receipt of the Change Notice.
19.1 Even if we delay in enforcing this Agreement, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. For example, if you do not pay us an amount when it is due and we do not chase you but we continue to provide the Services, we can still require you to make the payment at a later date.
19.2 If a court finds part of this contract illegal, the rest will continue in force. Each of the sections of this Agreement operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining sections will remain in full force and effect.
19.3 We may transfer this agreement to someone else. We may transfer our rights and obligations under this Agreement to another organisation including within our group of companies. We will contact you to let you know if we plan to do this. If you are unhappy with the transfer you may end our Agreement by closing your Profile by contacting us via the details set out in section 10.4.
19.4 You need our consent to transfer your rights to someone else. You may only transfer your rights or your obligations under this Agreement to another person if we expressly agree to this in writing. We may not be able to agree to this as doing so may likely put us in breach of our legal and regulatory obligations (including our obligations to comply with anti-money laundering laws).
19.5 Other people that may have rights under this contract This Agreement is between you and us. No other person shall have any rights to enforce any of its terms, except as explained in sections 13 (Compensation you may owe us).
19.6 The meaning of certain words and phrases not defined elsewhere:
19.7 Our use of headings. We use headings and descriptions to highlight what we mean in the sections which follow but they are only provided by convenience and don't form part of our legal agreement.
19.8 Other places where you can find help. General law (for example, about consumer protection) applies to this Agreement and the Services we provide to you under it. For further information about your statutory rights contact your local Trading Standards Department or Citizens' Advice Bureau.