These Terms and Conditions ("Terms") govern the sale and supply of money transfer services ("Services") provided by Remit Home, a trading name of Inter City Money Limited ("Remit Home," "we," "us," or "our"), through our website and mobile application (collectively, the "Platform"). By using our Platform and ordering our Services, you agree to be bound by these Terms. Please read these Terms carefully before proceeding with your purchase.
By using our Platform and ordering our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not use our Platform or order our Services.
We reserve the right to revise and amend these Terms at any time without notice to you. Your continued use of the Platform following any changes to these Terms constitutes acceptance of such changes. It is your responsibility to review these Terms periodically for any updates.
3.1. Remit Home is a trading name of Inter City Money Limited, a private limited company registered in England and Wales under company number 04279071, with our registered office at 6-12 Cooke Street, Keighley, West Yorkshire, BD21 3NN, United Kingdom.
3.2. We are authorised and regulated by the Financial Conduct Authority (FCA) under registration number 514406 and HMRC.
4.1. You agree that electronic communication, including email, may be used for all communication between you and Remit Home.
4.2. We will provide notices and information to you by email or by posting on our Platform.
5.1. By accessing or using our Platform, you affirm that you are at least 18 years old and possess the legal capacity to enter into a contract with us.
5.2. You agree to provide accurate, current, and complete information during the registration process and to maintain and update such information to keep it accurate, current, and complete.
5.3. We reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders at our discretion if we believe that any information provided by you is inaccurate, incomplete, or not in compliance with these Terms and Conditions.
5.4. You agree to use the platform only for lawful purposes and in compliance with all applicable laws and regulations. You may not use the platform:
5.4.1. In any manner that violates any applicable law or regulation.
5.4.2. To engage in fraudulent, abusive, or otherwise illegal activities.
5.4.3. To transmit unsolicited or unauthorized advertising or promotional materials or any other form of solicitation.
5.4.4. To transmit any viruses, worms, defects, Trojan horses, or any items of a destructive nature.
5.4.5. To interfere with or disrupt the integrity or performance of the platform or the data contained therein.
5.5. We reserve the right to suspend or terminate your access to the paltform or any part thereof if we determine, in our sole discretion, that you have violated these Terms and Conditions or engaged in any unlawful, fraudulent, or abusive activities.
5.6. Identification Requirements for Online Payments:
5.6.1. You will be required to provide valid photo identification, such as a Passport or Driving License, accompanied by a clear and readable scan. If you hold a non-British passport, a visa scan is also necessary.
5.6.2. Additionally, address verification may be required through submission of a valid utility bill, bank statement, or council tax bill. These documents must be valid within the last 90 days.
5.6.3. You must provide us with your complete contact details as part of the verification process.
5.7. By using our services, you authorize Remit Home to verify the documents provided for identification purposes with independent online sources to confirm their validity and authenticity.
5.7.1. Please note the following:
i. Business payments are strictly prohibited on this platform.
ii. Your requests may require a minimum of 48 hours for verification and processing.
6.1. Prices for our Services are quoted on the Platform.
6.2. Payment can be made by major credit or debit cards or through electronic payment accounts as provided on the order form.
6.3. Payment will be processed before the provision of the Services.
6.4. We reserve the right to change prices at any time. In such cases, you will be notified before the provision of the Services, and you may cancel your order if the new price is unacceptable to you.
6.5. You have the option to make payments using any major personal (non-commercial) prepaid, credit, or debit card, or through an electronic payment account, as outlined on the order form.
6.6. Upon placing an order, you consent to the payment being charged to your prepaid/debit/credit card account or electronic payment account provided on the order form.
6.7. Payment will be deducted and cleared from your account before the Service is provided to you.
6.8. When making a card payment for your order, we conduct necessary checks, including obtaining authorisation from your card issuer to ensure adequate funds and for security purposes. This may involve verifying your name, address, and other personal information provided during the order process against relevant third-party databases, including the card issuer, registered credit reference agencies, and fraud prevention agencies.
6.9. By agreeing to these Conditions, you:
6.9.1. Confirm the accuracy of all details provided for purchasing the Services, affirm that the payment card used is yours, and ensure sufficient funds are available to cover the cost of the Services ordered.
6.9.2. Acknowledge that any Services ordered are intended for personal or domestic use only and not for resale.
6.9.3. Grant us authorisation to transmit the payment and delivery information provided during the order process (including any updates) to obtain authorisation from your card issuer, verify your identity, validate your payment card, and for other security purposes, such as fraud prevention.
6.10. We will notify you if any issues arise during the authorisation process of your card.
6.11. While we take all reasonable precautions within our control to maintain the security of your order and payment details, we cannot be held liable for any loss resulting from unauthorised access to the data you provide when accessing or ordering from our platform, unless due to negligence on our part.
7.1. Availability and acceptance govern all orders placed. Should any of the requested Services be unavailable, we will promptly notify you via email, affording you the choice to await availability or cancel your order. Please ensure your provided email address is valid for communication purposes.
7.2. Placing an order constitutes an offer to procure Services from us. We retain the right to reject any order at our discretion, prior to acceptance, without obligation to provide a reason.
7.3. It is your responsibility to ensure the accuracy of the details furnished during the order process. We will only entertain an order if all requested information is accurately supplied.
7.4. Acknowledgment of receipt of your order does not imply acceptance of your offer to purchase Services.
7.5. A contract (referred to as the "Contract") between you and us, encompassing these Conditions, will materialise subsequent to the debit of your payment card and confirmation of the provision of the requested Service or its availability for download. Upon confirmation, a Confirmation Notice will be dispatched via email. The Contract is deemed established upon dispatch of the Confirmation Notice, irrespective of its receipt.
7.6. For Services provided on a permanent or ongoing basis, such as subscriptions, a predetermined fixed period (referred to as the "Minimum Duration") is stipulated. The Minimum Duration varies depending on the specific package or product purchased and is specified on the Platform.
7.7. The Contract will exclusively encompass the Services outlined in the Confirmation Notice. We are under no obligation to provide any additional Services until a separate Confirmation Notice is dispatched.
7.8. It is imperative that you verify the accuracy of the details in the Confirmation Notice and retain a copy for your records.
7.9. You are bound by the prevailing policies and Conditions at the time of placing your order, unless:
7.9.1. Modifications are mandated by law or governmental authority.
7.9.2. We apprise you of changes prior to dispatching the Confirmation Notice. In such instances, your acceptance will be presumed unless written notification to the contrary is received within seven working days of receiving the Confirmation Notice.
7.10. In certain scenarios, orders may be accepted by agents acting on behalf of customers. The resultant Contract is between you and us, subject to these terms and conditions, which the agent will relay to you directly. Please meticulously review these terms as they pertain to the transaction.
8.1. Upon completing the order process, Services will be provided and dispatched to the recipient address specified by you. It is imperative that the provided address is accurate and up to date to ensure seamless delivery.
8.2. Delivery dates provided are approximate and serve as estimates. While we endeavour to adhere to these timelines, they may be subject to change due to various factors beyond our control.
8.3. We hereby absolve ourselves of liability for any delay in the delivery of Services. Factors contributing to delays may include but are not limited to external circumstances such as transportation issues, logistical challenges, or unforeseen events. While we strive to provide timely delivery, we appreciate your understanding in instances where delays occur.
9.1. You retain the right to cancel your order at any point before receiving a Confirmation Notice, which signifies the formal acceptance of your order by us.
9.2. Following the issuance of a Confirmation Notice, you have the entitlement to cancel the Contract within a period of 7 working days from the date indicated on the Confirmation Notice. During this period, you reserve the right to request a refund for the Services rendered.
9.3. To initiate the cancellation process, it is imperative that you notify us of your intention to cancel in writing. This can be accomplished via email or through any other form of written communication that ensures a clear record of your request.
9.4. It is important to note that certain exceptions may apply to the right to cancel. These exceptions typically encompass financial services and orders that have been explicitly agreed to commence before the expiration of the cancellation period. Therefore, it is advisable to carefully review the terms and conditions pertaining to your specific order before initiating cancellation.
We strive to provide the highest quality of service to our valued customers. However, if you encounter any concerns or have complaints regarding our Services, we encourage you to reach out to us promptly. You can do so by contacting us via email at info@remithome.com or by sending a written communication to our address at 6-12 Cooke Street, Keighley, West Yorkshire, BD21 3NN, United Kingdom.
Upon receiving your complaint, our dedicated team will investigate the matter and strive to provide you with a satisfactory resolution in a timely manner. We value your feedback and are committed to addressing any issues you may encounter with our Services.
In the event that you are not satisfied with our response to your complaint, you have the option to escalate the matter further. You may contact The Financial Ombudsman Service, an independent organisation that specialises in resolving disputes between consumers and financial service providers.
To contact the Financial Ombudsman, consumers can write, telephone or email their complaint to:
Financial Ombudsman Service
Exchange Tower London
E14 9SR
Telephone No. : 0800 023 4567
Email address : complaint.info@financial-ombudsman.org.uk
More information on the Financial Ombudsman can be obtained by visiting www.financial-ombudsman.org.uk
11.1. The material available on the platform is safeguarded by various forms of intellectual property rights, including copyright, trademarks, patents, and proprietary rights. These encompass all rights in materials, works, techniques, computer programs, data, technical information, brand names, service marks, utility models, and more. This includes both registered and unregistered rights, along with any applications for such rights worldwide. You acknowledge that the intellectual property rights in the material and content provided as part of the platform shall remain with us or our licensors.
11.2. You may download or copy the content and other downloadable items displayed on the platform strictly for personal non-commercial use. Any reproduction, modification, copying, distribution, or commercial exploitation of the platform content is expressly prohibited.
11.3. You are permitted to retrieve and display the content of the platform on a computer screen, store it electronically on disk (excluding any network-connected server or storage device), or print one copy for personal, non-commercial use. However, you must ensure that all copyright and proprietary notices are retained.
11.4. Any other use of the material and content of this platform is strictly prohibited. You agree not to copy, reproduce, transmit, publish, display, distribute, commercially exploit, or create derivative works from such material and content, or assist or facilitate any third party in doing so.
11.5. These Conditions do not grant you a license to use any of our trademarks or those of our affiliated companies.
11.6. Services sold by us and platform content may be subject to copyright, trademark, or other intellectual property rights belonging to third parties, which we duly acknowledge and respect.
13.1. We shall not be held liable for any delays or failures in the delivery or performance of our obligations to you arising from circumstances beyond our control (Force Majeure). These circumstances include, but are not limited to:
13.1.1. Strikes, lock-outs, or other industrial actions.
13.1.2. Shortages of labour, services, power, or essential resources.
13.1.3. Late, defective performance, or non-performance by suppliers or subcontractors.
13.1.4. Private or public telecommunication or computer network failures, or breakdown of equipment.
13.1.5. Civil commotion, riot, invasion, terrorist attack, or threat of terrorist attack, war (whether declared or not), or threat or preparation for war.
13.1.6. Fire, explosion, storm, flood, earthquake, subsidence, epidemic, or other natural disaster, or extreme weather conditions.
13.1.7. Impossibility of the use of railways, shipping, aircraft, motor transport, or other means of public or private transport for the delivery of services or products.
13.1.8. Acts, decrees, legislation, regulations, or restrictions of any government.
13.1.9. Other causes beyond our reasonable control.
13.2. Our performance will be suspended for the duration of the Force Majeure event, and we will be granted an extension of time to fulfil our obligations. We will exert reasonable efforts to minimise any delay caused by Force Majeure or to find alternative solutions to fulfil our obligations despite the event. We will promptly inform you of any Force Majeure event, providing details and, where possible, the extent and likely duration of any delay.
13.3. If the period of non-performance or delay due to Force Majeure exceeds 30 days from the date of notice to you, either party may terminate the Contract with immediate effect upon written notice to the other party.
14.1. As part of our ongoing commitment to ensuring the highest standards of customer service, we may occasionally record telephone calls for the purpose of monitoring and improving our services.
14.2. We are entrusted with the responsibility of processing your personal data in accordance with the provisions outlined in our Privacy Policy. This policy serves as a guiding document that outlines how we collect, use, disclose, and protect your information. It is designed to provide you with clarity and transparency regarding the handling of your data. We adhere strictly to the regulations set forth in the Data Protection Act 1998 (as amended), ensuring that all information provided by you is treated with the utmost care and confidentiality.
14.3. For a detailed understanding of how your personal information is managed and safeguarded, we encourage you to review our Privacy Policy in its entirety. You can access the full document conveniently on our platform. Should you have any questions or concerns regarding your privacy or data protection practices, please do not hesitate to reach out to us.
15.1. By using our Services, you explicitly acknowledge and agree to refrain from engaging in any activities related to fraud, money laundering, financial crimes, or the financing of terrorism. Should we, in our reasonable judgment, suspect or detect any illicit activity perpetrated by you, the recipient, or any third party acting on your behalf, we reserve the immediate right to take decisive action. This may include the prompt cancellation of any Services or accounts provided to you, without prior notice. Furthermore, we are committed to upholding our civic duty and responsibility, and therefore pledge to report any such suspicious activities to the appropriate law enforcement or regulatory authorities without delay. Such actions are undertaken to uphold the integrity of our platform and to ensure compliance with all relevant laws and regulations governing financial transactions.
16.1. In our commitment to enhancing the value and convenience for our users, we may provide links to other websites or applications (hereinafter referred to as " Website/Apps") or external resources for your access. It is important to note that your decision to enter any linked platform is entirely at your sole discretion and risk.
16.2. You acknowledge and agree that we do not assume responsibility for the availability of such external sites or resources. We do not undertake a review or endorsement of these external sources. Consequently, we disclaim any liability, whether direct or indirect, for:
16.2.1. The privacy practices employed by such linked Website/Apps.
16.2.2. The content contained within such linked Website/Apps, including but not limited to, any advertising, content, products, goods, or services available from such sources.
16.2.3. The manner in which others utilize these linked Website/Apps.
16.2.4. Any damage, loss, or offense, whether actual or alleged, arising from or in connection with your reliance upon any advertising, content, products, goods, materials, or services obtained through such linked Website/Apps or resources.
17.1. Any communication, notification, or correspondence from you to us must be directed to the address: 6-12 Cooke Street, Keighley, West Yorkshire, BD21 3NN, or via email to: info@remithome.com
17.2. Notices shall be considered received and appropriately served under the following circumstances:
17.2.1. If posted on our Platform, it will be deemed served immediately upon posting.
17.2.2. If transmitted via email, it will be considered served 24 hours after the email is sent.
17.2.3. If dispatched by post, it will be deemed served three days after the date of posting.
For the purpose of proving service of any notice, it shall suffice to demonstrate that the letter was duly addressed, properly stamped, and dispatched, or that the email was successfully transmitted to the designated email address of the intended recipient.
18.1. The Contract represents the entire understanding between us concerning its subject matter and overrides any previous agreements, negotiations, or arrangements, whether oral or written.
18.2. Both parties recognise that, in concluding the Contract, neither has relied on any express or implied representations, commitments, or assurances given by the other party unless specifically incorporated into the Contract.
18.3. Neither party shall hold the other liable for any false statements made by the other party, whether orally or in writing, prior to the Contract's date, unless such statements were made fraudulently. The sole recourse for breach of contract shall be as outlined in these Conditions.
19.1. We reserve the right to modify the domain address of the Platform and any services, products, prices, specifications, and availability at our discretion and without prior notice.
19.2. Prices and descriptions are subject to alteration and override all prior publications. All product descriptions are approximate.
19.3. While we make every effort to maintain up-to-date information regarding service/product availability on the Platform, we do not guarantee continuous availability.
19.4. If any provision of these terms and conditions is deemed invalid or unenforceable by a competent authority, it shall not affect the validity of the remaining provisions of the Contract.
19.5. All Contracts are executed and available solely in English.
19.6. Our failure to enforce strict compliance with any obligations under the Contract or any provision of these terms and conditions shall not constitute a waiver of such rights or remedies unless expressly stated in writing.
19.7. No waiver by us of any of these Conditions or any other term of the Contract shall be effective unless explicitly stated in writing and communicated to you.
20.1. The Platform is controlled and operated in the United Kingdom, and all transactions occur within this jurisdiction.
20.2. Each purchase you make through the Platform is considered to be executed in England and Wales.
20.3. The Conditions governing your use of this Platform and any Contract arising from such use will be interpreted and enforced in accordance with the laws of England and Wales.
20.4. Any disputes arising from or related to the interpretation, validity, or implementation of these Conditions or any Contract formed through the Platform shall be resolved exclusively by the courts of England and Wales.
20.5. The laws of England and Wales shall govern any legal proceedings or claims brought against Remit Home arising from or related to your use of the Platform or any services provided therein.