Terms & Conditions

Terms & Conditions

This document (together with any documents referred to in it) tells you the terms and conditions upon which we sell and supply the money transfer services (the Services) listed on this website (the Website) to you. Please note, in these Terms and Conditions our use of the term ‘Services’ includes, without limitation, money transfer services, money remittance services, international money remittance services and Payment Services in accordance with Schedule 1 Part 1 of The Payment Services Regulations 2017.Before confirming your order please:
1. Read through these terms and conditions (the Conditions) and in particular our cancellations and returns policy at clause 11 and limitation of our liability and your indemnity at clause 15
2. Print a copy for future reference.
3. Read our privacy policy regarding your personal information.

By ordering any of the Services listed on this Website, you agree to be legally bound by these Conditions. You will be unable to proceed with your purchase if you do not accept these terms and conditions as may be modified or amended and posted on this Website from time to time.

We reserve the right to revise and amend the Website, our disclaimers and the Conditions at any time without notice to you. Your continued use of the Website (or any part thereof) following a change shall be deemed to be your acceptance of such change. It is your responsibility to check regularly to determine whether we have changed these Conditions.

2.1. This Website is owned and operated by HB Money Trasnfer (we/us/our), a private limited company registered in Scotland, UK under company number: SC300349 having our registered office at 144 Calder Street, Glasgow, G42 7QP • United Kingdom.

2.2. We are a member of, and regulated by, the Financial Conduct Authority (FCA), a regulatory professional body for the purposes of regulating our Payment Services activities in accordance with the Payment Services Regulations 2017. We can be identified on the FCA Register by our registration number: 564945. We are regulated by the FCA and HMRC. The professional conduct rules and regulations can be found at http://www.fca.gov.uk.

3.1. You agree that email and other electronic communications can be used as a long-distance means of communication and acknowledge that all contracts, notices,information and other communications that we provide to you electronically comply with any legal requirement that such communications be in writing.
3.2. We will contact you by email or provide you with information by posting notices on our Website.

4.1. Our Website is intended for use by customers resident in England, Wales, Scotland and Northern Ireland (the United Kingdom), the EU and internationally.
4.2. We may accept your order if you are resident in the European Economic Area (EEA) or internationally,subject to reserving a right to amend the specifications or standards of the Services offered on the Website and/or these Conditions or to refuse to accept an order for our Services from you, if it will put an excessive strain on our business or if we have an objective reason for doing so. If we accept your order, you will be liable to pay for all and any additional costs that we incur in order to facilitate your order. You will have an opportunity to cancel your order in casethe additional costs are not acceptable.
4.3. If we agree to supply any Services ordered from the Website for delivery outside the United Kingdom they may be subject to fees, duties and/or taxes or expenses incurred due to complying with local andforeign regulatory requirements or laws. You will be responsible for payment of any such duties and/ortaxes in addition to our price. Please note that we have no control over these charges and cannot alwayspredict their amount. Please contact your local customs office or taxation authority for further informationbefore placing your order.
4.4. You must comply with all applicable laws and regulations of the country for which the Services are destined. We will not be liable for any breach by you of any such laws.