Fx Optionsbedingungen

Allgemeine Geschäftsbedingungen Diese Bedingungen gelten für Ihre Prepaid-Karte. Sie sollten sie sorgfältig lesen, bevor Sie sie annehmen. Sie akzeptieren diese, indem Sie das Kästchen ankreuzen. Ich bestätige, dass ich die Allgemeinen Geschäftsbedingungen von Caxton FX Limited (CFX) als Teil Ihrer Online-Registrierung gelesen, verstanden und akzeptiert habe. In diesen Geschäftsbedingungen sind Sie oder der benannte Karteninhaber und der berechtigte Nutzer der Karte. Wir, uns oder unsere Mittel Valitor hf. Oder der Programm-Manager, wie der Kontext erfordern kann. MasterCard Prepaid Card Allgemeine Geschäftsbedingungen 2. Definitionen In diesen Geschäftsbedingungen (Vereinbarung) haben die folgenden Wörter und Ausdrücke die folgenden Bedeutungen: Konto bedeutet, dass das Prepaid-E-Money-Konto, das mit einer Kartenkontonummer und einem Passwort verknüpft ist, einen Satz persönlicher Codes enthält Durch den Karteninhaber auf ihr Online-Konto zuzugreifen, das mit der Zahlungsdienste-Zusatzkarte verbunden ist, bedeutet jede zusätzliche Karte, die mit dem Konto verknüpft ist und an eine Person (zusätzlicher Karteninhaber) zu jeder Zeit nach der erfolgreichen Registrierung des Kontovereinkommens gemeldet wird, diese Vereinbarung von offenen Zeitspanne zwischen Ihnen und uns unter Einbeziehung dieser Geschäftsbedingungen in der jeweils gültigen Fassung ATM bedeutet ein automatisiertes Geldautomaten Autorisiert ist ein Akt der Genehmigung der Zahlungstransfer durch Verwendung der Karte zusammen mit (i) der PIN oder mit (ii) dem CVV Code und Verfalldatum oder mit (iii) der Unterschrift des Karteninhabers Verfügbarer Saldo bedeutet der Wert der nicht aufgelaufenen Gelder, die auf Ihr Konto geladen werden und zur Verwendung in einem Kartenwährungstag zur Verfügung stehen, einen anderen Tag als einen Samstag oder Sonntag, an dem die Banken geöffnet sind (1) eine primäre Karte, bei der es sich um eine personalisierte MasterCard-Prepaidkarte handelt, die von uns Ihnen zur Verfügung gestellt wird, (2) jede Karte, die Ihnen von uns zur Verfügung gestellt wird Als Ersatz für eine Card Card Währung bedeutet 1.GBP 2.EUR 3.USD 4.AUD 5.CAD 6.NZD 7.HKD 8. CHF 9.JPY 10.DKK 11.ZAR 12.PLN 13.SEK 14. NOK 15.HUF Karteninhaber bedeutet primärer Karteninhaber undein zusätzlicher Karteninhaber, da der Kontext verlangt, dass der Karteninhaber Dienste als infocaxtonfxcard oder 0333 123 1812 oder 44 20 7201 0526 anbietet. Card Not ist ein Vertrag (vorbehaltlich Ausnahmen) für Waren oder Dienstleistungen, die zwischen einem Lieferanten und Ein Verbraucher im Rahmen einer organisierten Vertriebs - oder Dienstleistungsregelung, die vom Lieferanten ausgeführt wird und der zum Zwecke des Vertrages ausschließlich ein oder mehrere Fernkommunikationsmittel bis zum Zeitpunkt des Abschlusses des Vertrages ausschließt. Bei Fernkommunikation handelt es sich um eine Kommunikation, durch die ohne die gleichzeitige physische Präsenz des Lieferanten und des Verbrauchers für den Abschluss eines Vertrages zwischen diesen Parteien genutzt werden kann. EEA bedeutet Europäischer Wirtschaftsraum e-money bedeutet elektronisches Geld im Sinne von Abschnitt 2 ( 1) der elektronischen Geldverordnung 2011 (in der jeweils gültigen Fassung) Verfalldatum bedeutet das auf dem Kartenentgelt aufgedruckte Verfalldatum amp Limits Schedule bedeutet, dass der hierin enthaltene Zeitplan eine Gebühr ist, die vom Karteninhaber zahlbar ist, wie in den Gebührenverpflichtungen angegeben Limits Zeitplan Emittent bedeutet Valitor hf. KYC bedeutet Know Your Customer, der für Anforderungen an Kenntnisse und Informationen über Kunden von reglementierten Unternehmen oder für regulierte Tätigkeiten steht, um die Geldwäsche und das Anti-Terror-Finanzierungsgesetz zu erfüllen. Limitation Period bedeutet die Periode von zwanzig (20) Jahren Nach der Beendigung des Vertrages Händler bedeutet, dass ein Einzelhändler oder jede andere Person, die die Zahlung über den System-Zahlungsanweis akzeptiert, die Dienstleister des Zahlungsdienstleisters des Merchants an uns zur Ausführung einer Transaktion nach Ihrer Autorisierung der Transaktions-Zahlungsdienste alle Zahlungen und E-Geld betrifft Dienstleistungen und alle damit zusammenhängenden Dienstleistungen, die dem Karteninhaber durch die Nutzung der Konto - und / oder Karten-PIN zur Verfügung stehen, bedeutet die persönliche Identifikationsnummer, die für den Zugriff auf die Zahlungsdienste-Primärkarte erforderlich ist, die erste Karte, die der Karteninhaber (Primärkarteninhaber) Das Konto, bei dem der primäre Karteninhaber erfolgreich einen Zahlungsdienst beantragt hat und mit mindestens einer Karte von uns ausgegeben wurde und der die rechtlich und finanziell verantwortliche Person für den Zahlungsdienstprogrammmanager ist, bedeutet Caxton FX Limited von Portland House, Bressenden Place, London SW1E 5BH System bedeutet MasterCard und sein Zahlungsnetzwerk Transaktion bedeutet: (i) eine Zahlung oder einen Kauf von Waren oder Dienstleistungen von einem Händler, wenn die Zahlung (ganz oder teilweise) durch die Nutzung der Zahlungsdienste erfolgt, einschließlich wo Die Bezahlung erfolgt über das Internet, telefonisch oder per Post oder (ii) eine Bargeldabhebung von einem Geldautomaten oder einer Bank, die eine Karte verwendet, sowie etwaige Transaktionsgebühren, die von uns im Zusammenhang mit Ihrer Bargeldabhebung erhoben werden Ihre Karte), auf die Sie in der Lage sind, Gelder für den Zugriff auf Ihr E-Geld zu laden Wir, uns oder unsere Mittel Valitor hf. Andor der Programm-Manager, wie der Kontext erfordern kann Website bedeutet caxtonfx Sie oder Ihre Mittel der benannte Karteninhaber und der autorisierte Benutzer der Karte 1. Kontaktdaten Ihre Karte können online verwaltet werden bei caxtonfx oder rufen Sie 0333 123 1812 oder 44 20 7201 0526 an Melden Sie Ihre Karte verloren oder gestohlen. Wenn es irgendetwas gibt, das Sie nicht verstehen oder stimmen mit in Verbindung treten Sie mit uns bitte unter Verwendung unseres Kontaktes in Verbindung: Telefon: 0333 123 1812 oder 44 20 7201 0526 von außerhalb des Vereinigten Königreichs Postanschrift: CaxtonFX Ltd11 th Boden Portland Haus, Bressenden Platz, London SW1E 5BH Email : Infocaxtonfxcard. Sie können eine Kopie der Vereinbarung jederzeit von unserer Website herunterladen. Wir senden Ihnen auch eine elektronische Kopie der Vereinbarung per E-Mail zu. 3. Dieses Abkommen Das Abkommen regelt das Verhältnis zwischen Ihnen und uns für die Bereitstellung der Zahlungsdienste durch uns an Sie. Dieses Abkommen enthält auch wichtige Warnhinweise und Informationen, die Ihre Rechte und Ihre Fähigkeit zur Rückforderung Ihres Geldes beeinträchtigen können. Sie akzeptieren die Vereinbarung, indem Sie das Kästchen ankreuzen Ich bestätige, dass ich die Allgemeinen Geschäftsbedingungen von Caxton FX Limited (CFX) als Teil Ihrer Online-Registrierung gelesen, verstanden und akzeptiert habe. Diese Vereinbarung gibt Ihnen keine Rechte gegen das System, seine verbundenen Unternehmen oder Dritte. Die Karte bleibt Eigentum von Valitor hf. Und ist nicht auf andere Personen übertragbar. 4. Ihre Caxton MasterCard-Prepaid-Karte Sie können die Karte an jedem Ort verwenden, an dem die MasterCard-Akzeptanzmarke, einschließlich online oder am Telefon, angezeigt wird. Der Hauptzweck der Karte ist für die Verwendung im Ausland. Wenn Sie eine Zusatzkarte beantragt haben, ermächtigen Sie uns, eine Karte und eine PIN an den Zusatzkarteninhaber auszustellen und Sie ermächtigen jeden zusätzlichen Karteninhaber, Transaktionen in Ihrem Namen zu genehmigen. Zusätzliche Karteninhaber müssen mindestens 13 Jahre alt sein. Ihre Karte ist eine E-Geld-Prepaid-Karte, es ist keine Gutschrift, Gebühr oder Debitkarte. Sie werden keine Zinsen auf Geld auf Ihre Prepaid-Karte geladen verdienen. Die Zahlungsdienste sind Prepaid-Zahlungsdienste und kein Kredit - oder Bankprodukt. Daher müssen Sie sicherstellen, dass Sie für jeden Kauf, Zahlung oder Bargeldbezug, den Sie mit den Zahlungsdiensten (einschließlich Mehrwertsteuer) Andere Steuern, Gebühren und Gebühren, die anwendbar sind). Wenn aus irgendeinem Grund eine Transaktion verarbeitet wird und der Transaktionsbetrag den Verfügbaren Saldo übersteigt, müssen Sie uns den Betrag dieses Überschusses sofort zurückzahlen und Wir sind berechtigt, bestehende oder nachfolgende Transaktionen von dem Verfahren abzubrechen. 5. Beantragen und Aktivieren Ihrer Prepaid-Karte Um die Karte zu beantragen, müssen Sie mindestens 18 Jahre alt und ein in Großbritannien ansässig sein. Wir benötigen Beweis, wer Sie sind und Ihre Adresse für unsere KYC Verfahren. Wir können Sie bitten, einige Beweise vorzulegen, um dies zu beweisen, und wir können die Kontrollen elektronisch durchführen. Wir berechnen keine Gebühr für die erste Karte, die beantragt wird, aber wir können eine Anfangsladung von zwischen 10 und 1.000 nehmen, wie von Ihnen in Ihrer Anwendung verlangt, die Ihrem verfügbaren Guthaben bei der Erstellung der Karte hinzugefügt wird. Bitte besuchen Sie unsere Website für alle Kartenladungsoptionen, oder lesen Sie die unten aufgeführte Prepaid-Kartenklausel. Sie müssen auch Ihr Online-Konto einrichten, bevor Sie mit der Nutzung Ihrer Karte beginnen können. Um dies zu tun, besuchen Sie unsere Website und folgen Sie den einfachen Schritten, um Ihr Konto einzurichten. Sie müssen den Signaturstreifen auf der Rückseite der Karte signieren, sobald er empfangen wird. 6. Laden Ihrer Prepaid-Karten-Fonds können auf Ihre Karte in einer Reihe von Möglichkeiten geladen werden (Internet nach oben, Telefon nach oben, Smartphone-App), aber Ihre erste Ladung muss online gemacht werden. Folgen Sie einfach den Anweisungen auf der Website. Der Mindestbelastungswert sowohl für die Anfangsbelastung (ohne Einzahlung bei der Anwendung) als auch für nachfolgende Nachladungen ist der Währungsäquivalent von 50. Ihre Karte kann nicht mehr als zweimal in 24 Stunden geladen werden. Die Summe der verfügbaren Guthaben auf Ihrer Karte kann niemals den Währungsäquivalent von 6.500 überschreiten. Wir behalten uns das Recht vor, eine bestimmte Verladung nicht zu akzeptieren. Sobald geladen, werden die Mittel in der Regel für den Einsatz auf der Karte innerhalb von Minuten zur Verfügung stehen. Wir behalten uns das Recht vor, das Recht zum Laden Ihrer Karte jederzeit ohne vorherige Ankündigung einzustellen oder zu beenden. 7. Leistungsgrenzen Transaktionen können durch Kartenart, individuelle Nutzungsmuster und Zahlungsrisikoprofile eingeschränkt werden. Für Geldwäsche - und Betrugsdelikte Wir behalten uns das Recht vor, einzelne Zahlungsbeschränkungen (einschließlich der hier veröffentlichten oder hierin enthaltenen) unangekündigt und in dem Maße zu ändern, wie dies zur Erfüllung unserer aufsichtsrechtlichen Pflichten erforderlich ist. Weitere Informationen zu Service Limits finden Sie auf caxtonfx. 8. Nutzung der Zahlungsdienste Für die Nutzung der Zahlungsdienste benötigen Sie Zugang zum Internet. Sie können die Zahlungsdienste bis zu dem Betrag des verfügbaren Guthabens für Transaktionen (i) über das Internet verwenden, (ii) bei Merchants und (iii) Bargeldabhebungen von Geldautomaten zu tätigen. Wenn der verfügbare Saldo nicht ausreicht, um eine Transaktion zu bezahlen, wird es einigen Merchants nicht gestattet, die Verwendung einer Karte mit anderen Zahlungsmethoden zu kombinieren. Wir werden den Wert Ihrer Transaktionen vom verfügbaren Guthaben auf Ihrer Karte abziehen. Wir werden auch alle anfallenden Gebühren abziehen, sobald sie zahlbar auf der Grundlage der Gebühren amp Grenzen Zeitplan. Eine inländische ATM-Transaktionsgebühr ist in Bezug auf Bargeldbezüge an inländischen Geldautomaten mit Ihrer Karte zahlbar. Darüber hinaus kann Ihr Widerruf auch Gebühren, Beschränkungen, Regeln und Vorschriften des jeweiligen Geldautomatenbetreibers oder der betreffenden Bank unterliegen. Es liegt in Ihrer Verantwortung, zu überprüfen, ob diese zusätzlichen Gebühren gelten, da sie nicht zurückerstattet werden können, sobald das Geld zurückgezogen wurde. Um Sie und uns vor Betrug zu schützen, werden Merchants und ATM Betreiber eine elektronische Autorisierung vor der Verarbeitung jeder Transaktion zu suchen. Wenn ein Händler oder ATM-Betreiber nicht in der Lage ist, eine elektronische Autorisierung zu erhalten, können sie Ihre Transaktion möglicherweise nicht autorisieren. Wie andere Zahlungskarten-Emittenten, können wir nicht garantieren, ein Merchant, ein ATM-Betreiber oder eine Bank akzeptiert Ihre Karte. Wir können Ihre Karte und Ihr Konto jederzeit aussetzen, einschränken oder beenden, eine Karte nicht ausstellen oder ersetzen oder eine Transaktion aus Gründen, die Folgendes betreffen, verweigern: wenn wir begründete Gründe haben, dass die Sicherheit Ihrer Karte besteht Dass Ihre Karte unberechtigt oder betrügerisch verwendet wird, wenn zum Zeitpunkt der Transaktion nicht genügend Gelder auf der Karte vorhanden sind, um den Betrag der Transaktion zu decken, und die anfallenden Gebühren, wenn ein offener Fehlbetrag vorliegt (wie definiert In Ziffer 15) auf der Karte gemäß Ziffer 16, wenn wir berechtigte Gründe haben zu glauben, dass Sie gegen dieses Abkommen verstoßen, wenn wir berechtigte Gründe zu der Annahme haben, dass die Transaktion möglicherweise verdächtig oder illegal ist (z Dass die Transaktion betrügerisch durchgeführt wird) oder aufgrund von Fehlern, Ausfällen (ob mechanisch oder anderweitig) oder Verweigerungen durch Kaufleute, Zahlungsverarbeiter oder Zahlungssysteme, die Transaktionen verarbeiten, oder wenn wir dies tun müssen, um dem Gesetz nachzukommen. Wenn wir dies tun, kann es bis zu dreißig Tage zu lösen. Wir informieren Sie über die getroffenen Maßnahmen und ihre Gründe im Voraus oder, wenn dies nicht möglich ist, unmittelbar danach, es sei denn, dies würde angemessene Sicherheitsmaßnahmen beeinträchtigen oder anderweitig rechtswidrig sein. Wir werden Ihre Account-andor-Karte reaktivieren und gegebenenfalls eine Ersatzkarte ausstellen, falls wir nach weiteren Untersuchungen vernünftigerweise davon ausgehen, dass die Gründe nicht mehr gelten. Der primäre Karteninhaber bleibt für die Nutzung der Zahlungsdienste verantwortlich und wird weiterhin als Inhaber von bereits vorhandenen oder später auf das Konto geladenen Mitteln angesehen. Ihre Fähigkeit zur Nutzung oder den Zugriff auf die Zahlungsdienste kann gelegentlich unterbrochen werden, z. B. wenn Wir die Instandhaltung auf unseren Systemen durchführen müssen. Bitte kontaktieren Sie uns über unsere Website, um uns über eventuelle Probleme mit Ihrer Karte oder Ihrem Konto zu informieren. Wir werden uns bemühen, sie zu lösen. 9. Bedingungen für die Nutzung bei bestimmten Händlern Unter bestimmten Umständen können wir Sie oder Händler dazu verpflichten, dass Sie über den Transaktionsbetrag verfügen. Zum Beispiel in Restaurants können Sie erforderlich sein, um 15 mehr auf Ihrer Karte als der Wert der Rechnung, um für jede Trinkgeld oder Service-Gebühr von der Restaurant oder Sie hinzugefügt werden. Wenn Sie zum Beispiel Ihre Karte an einem automatisierten Kraftstoffausgabeautomaten verwenden (an der Pumpe zahlen), kann der Händler den Transaktionsbetrag bis zu 100,00 oder mehr vorauthorisieren. Wenn Ihre Karte abgelehnt wird, obwohl Sie genügend Geld zur Verfügung haben, sollten Sie für Ihren Einkauf mit Ihrer Karte im Inneren der Kasse bezahlen. Wenn Sie Ihre Karte in einem Restaurant, einem Hotel, einem Autovermietungskauf oder ähnlichen Käufen nutzen, kann der Händler den Transaktionsbetrag für den Kaufbetrag sowie bis zu 20 oder mehr vorauthorisieren, um sicherzustellen, dass ausreichend Geld zur Verfügung steht, um Tipps abzudecken Oder Nebenkosten. Jeder Preauthorization Betrag wird einen Halt auf Ihre verfügbare Balance, bis der Merchant sendet uns die endgültige Zahlung Betrag Ihres Kaufs. Sobald der endgültige Zahlungsbetrag eingegangen ist, wird der Pre-Autorisierungsbetrag gelöscht. Es kann bis zu dreißig (30) Tage dauern, bis der Laderaum entfernt werden kann. Während der Halteperiode haben Sie keinen Zugriff auf den vorberechtigten Betrag. Einige Händler akzeptieren keine Zahlungen über unsere Zahlungsdienste. Es liegt in Ihrer Verantwortung, die Richtlinien bei jedem Merchant zu überprüfen. Wir übernehmen keine Haftung, wenn ein Händler die Zahlung mit unseren Zahlungsdiensten verweigert. Sie können die Caxton FX-Karte an jedem beliebigen Ort der Welt verwenden, in dem die MasterCard-Akzeptanzmarke angezeigt wird, mit Ausnahme der Limited Acceptance Merchants in EUEEA, die keine Prepaid-Karten akzeptieren und die in Abschnitt 16 genannten Einschränkungen unterliegen. 10. Halten Sie Ihre Karte und Ihre Haftung Sie sind verantwortlich für Ihre Karte, Ihr Konto, Ihre PIN, Ihre Konto-ID und Ihr Passwort. Teilen Sie Ihre Karten - oder Kontosicherheitsdetails nicht an Dritte weiter. Sie müssen alle angemessenen Schritte unternehmen, um Ihr Konto, Ihre PIN, Ihre Kontonummer und Ihr Kennwort sicher zu halten und sich von Ihrer Karte oder von einem beliebigen Eintrag Ihrer Kartennummer zu trennen und sie nicht an andere Personen weiterzugeben. Dazu gehören: die PIN nicht mit der Karte zu sichern, sondern die PIN nicht auf einem Gerät zu speichern, das nicht passwortgeschützt ist oder auf einem Gerät, das anderen zugänglich ist, ohne jemals Ihre PIN mit jemandem zu teilen, wenn Sie Ihre PIN eingeben, und alle angemessenen Maßnahmen ergreifen Von anderen Personen, die Ihre PIN nicht in ein Terminal aufnehmen, das modifiziert oder verdächtig zu sein scheint, und wenn Sie glauben, dass jemand unbefugten Zugriff auf Ihre PIN erlangt hat und uns unverzüglich nach den Verfahren in Abschnitt 17 benachrichtigt. Möglicherweise benötigen Sie eine PIN Um Zahlungen bei einem Händler zu tätigen und benötigen eine PIN, um Bargeldabhebungen (von einem Geldautomaten oder einer Bank) mit der Karte zu tätigen. Die PIN kann nur durch Einloggen in Ihr Konto und die Verwendung der PIN-Freigabe-Funktion erreicht werden. Wenn Sie Ihre PIN vergessen haben, können Sie die PIN erhalten, indem Sie sich bei Ihrem Konto anmelden und die PIN-Karte benutzen. Der primäre Karteninhaber hat bei der Aktivierung der primären Karte eine Konto-ID und ein Passwort erstellt. Sie benötigen diese Konto-ID und Ihr Passwort, um die folgenden Funktionen in Bezug auf Ihre Zahlungsdienste online auszuführen: Ändern Ihrer registrierten Daten, die den Betrag der Verfügbarkeitsabrechnung überprüfen, die Ihre Karte als verlorene oder gestohlene Kennwortänderung melden. Die Zahlungsdienste dürfen nur vom Karteninhaber genutzt werden. Wir empfehlen Ihnen, den Saldo Ihrer Karte regelmäßig online auf der Website zu überprüfen. Wir stellen dem Karteninhaber den Verfügbarkeitsbestand und eine Erklärung der letzten Transaktionen auf dem Konto entweder auf elektronischem Wege oder auf unserer sicheren Webseite zur Verfügung. Wir empfehlen Ihnen und beauftragen Sie, alle Transaktionen regelmäßig online auf der Website durchzuführen. Ihre Aussage wird zeigen: Informationen über den Händler und die Transaktion beziehen sich auf den Betrag der Transaktion in der Währung, in der die Transaktion auf das Konto belastet wurde der Betrag und die Aufteilung der Gebühren für die Transaktion der Wechselkurs Wir haben in der Transaktion, Falls zutreffend, und der Betrag der Transaktion nach der Währungsumrechnung und das Datum, an dem die Transaktion auf das Konto belastet wurde. Sie haften für alle Verluste, einschließlich etwaiger damit verbundener Gebühren und Gebühren, für unberechtigte Transaktionen, wenn wir nachweisen können, dass Sie (i) betrügerisch gehandelt haben oder (ii) mit Vorsatz oder grober Fahrlässigkeit Ihre Karte, , Konto-ID und Kennwort in Übereinstimmung mit dieser Vereinbarung. Sie haften auch für alle Verluste, einschließlich etwaiger damit verbundener Gebühren und Gebühren, für unberechtigte oder nicht ordnungsgemäß ausgeführte Transaktionen, wenn Sie uns nicht unverzüglich über die Kenntnis der Transaktion und auf jeden Fall innerhalb von dreizehn (13) Monaten mitgeteilt haben Das Abbuchungsdatum der Transaktion. In allen anderen Fällen ist Ihre maximale Haftung wie in dieser Ziffer 10 und in den Ziffern 17 und 19 festgelegt. Wenn Sie glauben, dass jemand anderes Ihre Konto - oder Kartensicherheitsdetails kennt, sollten Sie uns unverzüglich kontaktieren. Sobald eine Karte auf Ihrem Konto abgelaufen ist oder wenn sie gefunden wurde, nachdem Sie sie als verloren oder gestohlen gemeldet haben, stimmen Sie zu, sie zu zerstören, indem Sie sie in zwei durch den Magnetstreifen schneiden. Sie erklären sich damit einverstanden, von allen rechtlichen Maßnahmen, die zur erfolgreichen Anwendung dieses Vertrages aufgrund eines erheblichen Verstoßes gegen eine der Bestimmungen dieser Vereinbarung durch Sie oder durch Ihr betrügerisches Verhalten geltend gemacht wurden, schad - und klaglos zu halten. 11. Genehmigung von Transaktionen Vorbehaltlich der Merkmale einer bestimmten Karte kann die Berechtigung einer Transaktion die Genehmigung einer einzelnen Transaktion, eine Reihe von oder wiederkehrende Transaktionen (einschließlich Transaktionen auf unbestimmte Zeit) oder die Vorberechtigung zukünftiger Transaktionen eines bestimmten oder ungewiss Menge. Eine Transaktion wird von Ihnen autorisiert, wenn Sie die Transaktion am Verkaufsort genehmigen, indem Sie die Anweisungen des Merchants befolgen, um die Transaktion zu genehmigen. Dazu zählen unter anderem die Eingabe der PIN oder die Angabe eines anderen Sicherheitscodes, der einen Verkaufsbeleg unterzeichnet Bereitstellen der Kartendetails undBereitstellen von anderen Details, wie gewünscht, undWellen, die die Karte über einen Kartenleser wischen, oder die Karte in ein Kartenlesegerät einführen, um eine Zahlung einzusetzen, und eine PIN einzugeben, um eine Geldabhebung an einem Geldautomaten anzufordern , Oder einen Antrag auf einen Barkredit an einen Bankschalter stellen. Sobald eine Transaktion zugelassen ist, kann sie nicht zurückgezogen oder widerrufen werden, es sei denn, der Händler und wir sind damit einverstanden, dass Sie es nach unserem Ermessen widerrufen können. Die folgenden Transaktionen können jedoch zurückgenommen werden, wenn Sie oder ein zusätzlicher Karteninhaber den Händler informieren und uns eine Kopie der Bekanntmachung übermitteln: Jede Transaktion, die zu einem späteren Zeitpunkt als dem Datum der Zulassung vereinbart wurde Solange die Bekanntmachung spätestens am Ende des Geschäftsjahres, an dem sie fällig war, und fortlaufende Zahlungen, wenn sie nach dem Zeitpunkt des Widerrufs eintreten sollen, erbracht wurde. Innerhalb des EWR werden wir die Zahlung der Zahlung an den Zahlungsdienstleister des Händlers bis zum Ende des nächsten Geschäftstages nach Eingang des Zahlungsauftrags sicherstellen. Wenn sich der Zahlungsdienstleister des Händlers außerhalb des EWR befindet, werden wir die Zahlung so schnell wie möglich tätigen. Wenn wir nach 16:30 Uhr den Zahlungsauftrag erhalten, wird sie am folgenden Geschäftstag als angenommen bei uns angenommen. 12. Mitteilungen über Ihr Konto Sie können Ihren Verfügbarkeits - und Transaktionsverlauf jederzeit durch Einloggen auf Ihrem Online-Konto überprüfen. Der Online-Service ist kostenlos und Sie können verschiedene Formulare von Kartenaussagen abonnieren. Sie können auch Ihre Verfügbarkeits - und Transaktionshistorie unter der Telefonnummer 0333 123 1812 oder 44 20 7201 0526 während der üblichen Geschäftszeiten überprüfen. 13. Stornieren der Karte und Beendigung der Vereinbarung Wenn Sie der Karteninhaber sind und Sie die Zahlungsdienste stornieren oder diese Vereinbarung jederzeit kündigen möchten, müssen Sie eine Stornierung oder Kündigung online anfordern, indem Sie eine E-Mail an infocaxtonfx schicken, die uns Ihren Wunsch mitteilt Zu kündigen oder zu beenden und eine Rückerstattung des verfügbaren Guthabens zu verlangen. Sie müssen E-Mail von der E-Mail-Adresse auf dem Konto registriert. Unsere Cardholder Services-Abteilung wird dann die weitere Nutzung Ihrer Zahlungsdienste aussetzen. Sobald wir alle notwendigen Informationen von Ihnen erhalten haben und mit dem Ergebnis der anwendbaren Geldwäsche, des Betrugs und anderer illegaler Aktivitätsprüfungen (einschließlich KYC) zufrieden sind und mit dem Ergebnis zufrieden sind und alle Transaktionen und anwendbaren Gebühren und Gebühren verarbeitet wurden, Werden wir dem Karteninhaber jeden verfügbaren Guthaben abzüglich etwaiger Gebühren und Gebühren zurückerstatten, die an uns zu zahlen sind, vorausgesetzt, dass Wir nicht verpflichtet sind, Ihren Verfügbaren Guthaben durch Gesetz oder Verordnung oder auf Antrag der Polizei, eines Gerichts oder einer Regulierungsbehörde zurückzuhalten. Wenn Ihre Karte storniert und Ihr Konto geschlossen ist oder wenn diese Vereinbarung von Ihnen beendet wird, müssen Sie uns mitteilen, was wir mit dem Verfügbaren Guthaben innerhalb von drei (3) Monaten nach dem Datum der Annullierung, Schließung oder Kündigung tun sollen. Wir behalten uns das Recht vor, die Available Balance bis zu neunzig (90) Geschäftstagen ab dem Zeitpunkt der Annullierung, Schließung oder Kündigung an Sie zurückzusenden, um sicherzustellen, dass alle Transaktionen eingegangen sind. Wir können den verfügbaren Saldo an die Ladequelle oder Ihr Bankkonto zurücksenden. Merken Sie bitte, dass wir Ihre Identität überprüfen müssen, um Anti-Geldwäscheanforderungen zu erfüllen, bevor wir die vorhandene Balance Ihnen zurückbringen. Wenn Sie uns innerhalb der drei (3) Monate nicht kontaktieren, kann der Verfügbare Saldo an die Ladequelle zurückgegeben werden. Wenn es nicht möglich ist, den verfügbaren Saldo an die Beladungsquelle zurückzugeben, werden wir ihn halten und Sie können ihn gemäß Ziffer 15 einlösen. Vorbehaltlich der Ziffer 20 wird eine Einlösungsgebühr erhoben (siehe Ziffer 21 für die Gebühren und Limits), wenn Sie die Karte vor Ablauf des Verfallsdatums stornieren, es sei denn, Sie haben veranlasst, nicht genutzte Mittel auf eine vom Programmmanager verwaltete Prepaidkarte zu übertragen oder Ihre Karte innerhalb von vierzehn (14) Tagen abzurechnen. Wenn nach der Rückerstattung Ihres Verfügbaren Guthabens alle weiteren Transaktionen getätigt wurden oder Gebühren oder Gebühren entstanden sind, die mit der Karte entstehen oder Wir erhalten eine Stornierung einer früheren Transaktion, werden wir Sie über den Betrag informieren und Sie müssen uns umgehend zurückzahlen Betrag auf Anfrage als Schuld. 14. Widerrufsrecht (Abkühlung) Sie haben ein gesetzliches Widerrufsrecht, Ihre Karte bis zu vierzehn (14) Tage nach Zugang frei zu kündigen, jedoch vorbehaltlich des gesetzlich zulässigen, angemessenen und von uns anfallenden Kosten In der Erfüllung eines Teils der Bereitstellung von Zahlungsdiensten, bevor Sie kündigen - dieser vierzehn (14) Tage Zeitraum wird als Abkühlungszeitraum bezeichnet. Wenn Sie uns innerhalb von vierzehn (14) Tagen kontaktieren und uns mitteilen, dass Sie von dieser Vereinbarung zurücktreten möchten, dürfen Sie die Zahlungsdienste nicht nutzen. Wir werden dann die Zahlungsdienste stornieren und den Betrag des verfügbaren Guthabens auf dem Konto an den Karteninhaber zurückerstatten. Jedoch behalten wir uns das Recht vor, den verfügbaren Guthaben für bis zu neunzig (90) Geschäftstage ab dem Eingang Ihrer Anweisungen zu halten, um sicherzustellen, dass alle Transaktionen eingegangen sind. Wann immer eine andere Währung als eine Kartenwährung aus der Karte vor, während oder nach dem 14-tägigen Abkühlungszeitraum entladen wird, wird sie zum aktuellen Rückkaufkurs ausgetauscht - nicht zu dem Zeitpunkt, zu dem die Mittel zuerst belastet wurden. Nach dem Abkühlungszeitraum können Sie nur die Zahlungsdienste stornieren, wie in Abschnitt 13 beschrieben. 15. Verfall und Einlösung Ihrer Karte ist das Ablaufdatum aufgedruckt, danach dürfen Sie die Karte nicht verwenden. Wir werden Sie jedoch bitten, Ihre Karte etwa einen (1) Monat vor dem Verfalldatum zu erneuern. Sie werden per E-Mail an Ihre registrierte E-Mail-Adresse kontaktiert, wo Sie Ihre Daten erneut bestätigen und eine Ersatzkarte benötigen. Bei der Erteilung einer Ersatzkarte wird der auf Ihrer vorherigen Karte gespeicherte verfügbare Betrag automatisch auf Ihre Ersatzkarte mit einem neuen Verfalldatum übertragen. Vorbehaltlich des vorstehenden Absatzes ist der Available Balance nach dem Ablaufdatum der Karte nicht mehr verwendbar und dieses Abkommen wird beendet. Ungeachtet eines Verfallsdatums steht Ihnen Ihr verfügbarer Guthaben jederzeit zur Verfügung, indem Sie uns jederzeit vor dem Ende der Verjährungsfrist kontaktieren. Nach Ablauf der Verjährungsfrist sind Ihre Guthaben nicht mehr einlösbar. Für den Fall, dass Sie vor Ablauf des Verfalldatums oder nach einem Jahr nach Beendigung des Vertrages einen Rücknahmeantrag stellen, kann eine Gebühr für die Rücknahmevergütung nach Maßgabe der Ziffer 20 in Rechnung gestellt werden Aufrechnung, Übertragung oder Anwendung von auf dem Konto oder den Karten gespeicherten Beträgen in oder zur Erfüllung aller Verbindlichkeiten und Gebühren, die uns durch Sie geschuldet wurden, die nicht bezahlt wurden oder die erfüllt sind, wenn sie fällig sind. Die Ermächtigung wird für eine Transaktion zum Zeitpunkt der Transaktion beantragt. In dem unwahrscheinlichen Fall, dass eine Transaktion abgeschlossen ist, aus irgendeinem Grund, wenn auf der Karte für diese Transaktion (Fehlbetrag) nicht genügend Mittel vorhanden sind, wird der Fehlbetrag von Ihnen zurückerstattet, es sei denn, es liegt an einem Fehler des Händlers Zu der die Karte von Ihnen als Zahlungsmittel zur Verfügung gestellt wurde. Sollten Sie diesen Betrag nicht sofort nach Erhalt einer Rechnung von uns zurückzahlen, behalten wir uns das Recht vor, alle notwendigen Schritte einzuleiten, einschließlich rechtlicher Schritte, um ausstehende Gelder zurückzufordern. 16. Kündigung und Aussetzung von Zahlungsdiensten Wir können den Vertrag aus irgendeinem Grund mit einer Frist von mindestens zwei (2) Monaten kündigen. Wir können den Vertrag ohne vorherige Ankündigung kündigen, wenn: Sie einen wichtigen Teil dieser Vereinbarung verletzen oder wiederholt gegen die Vereinbarung verstoßen und die Angelegenheit nicht rechtzeitig beheben, so dass Sie keine Gebühren oder Gebühren bezahlen, die Ihnen entstanden sind oder nicht Jegliche Unterbrechung, oder Wir sind verpflichtet, dies durch Gesetz oder durch das System zu tun (zum Beispiel, wenn die Bereitstellung des Zahlungsdienstes für Sie rechtswidrig ist). Wir können diese Vereinbarung auch kündigen oder Ihre Karte oder Ihr Konto ohne vorherige Ankündigung aussetzen, wenn: wir vernünftigerweise glauben, dass Ihre Karte bewusst von Ihnen benutzt wird, um Betrug oder andere rechtswidrige Zwecke zu begehen, oder wir entdecken, dass jede der Informationen, die Sie uns mit, Sie beantragten Ihre Karte war falsch. Wenn wir die Vereinbarung ohne vorherige Ankündigung kündigen, werden wir Ihnen mitteilen, sobald Wir gesetzlich dazu berechtigt sind. 17. Verlorene, gestohlene oder beeinträchtigte Karten und Ihr Recht auf Erstattung für nicht autorisierte Transaktionen Wenn Sie wissen, dass Ihre Karte verloren geht oder gestohlen wird oder dass die PIN einer unbefugten Person bekannt ist oder Sie glauben, dass eine Transaktion nicht autorisiert wurde, Müssen Sie uns unverzüglich unter der Nummer 0333 123 1812 oder 44 20 7201 0526 von außerhalb des Vereinigten Königreichs mitteilen. Eine Transaktion gilt als nicht autorisiert, wenn Sie nicht Ihre Zustimmung für die Transaktion erhalten haben, die mit der Autorisierung gemäß Abschnitt 11 getroffen wird. Um eine Rückerstattung für eine nicht autorisierte Transaktion zu erhalten, müssen Sie die Transaktion unverzüglich mitteilen Bei Kenntnis von ihr oder sonst werden Sie Ihr Recht auf eine Erstattung verlieren. Sie können keine Rückerstattung für nicht autorisierte Transaktionen erhalten, die nach dreizehn (13) Monaten nach dem Lastschriftverfahren der Transaktion gemeldet werden. Trotz der möglichen dreizehn (13) Monats-Rückerstattungsperiode können Sie nicht für eine Rückerstattung für eine nicht autorisierte Transaktion geltend machen, wenn die Transaktion korrekt in Ihrem Online-Konto angezeigt wurde und Sie nicht darüber informiert haben, dass die Transaktion unberechtigterweise unberechtigt ist Sehen Sie die Transaktion in Ihrem Online-Konto. In diesem Zusammenhang bitten wir Sie, Ihr Online-Konto regelmäßig zu überprüfen und Ihre Transaktionen sorgfältig zu überprüfen. Wenn Sie Cardholder Services anrufen, werden Sie gebeten, uns nach Möglichkeit Ihre Kartennummer und einige weitere Angaben zu übermitteln. Wenn auf Ihrer Karte ein verfügbares Guthaben vorhanden ist, ersetzen wir die Karte, es sei denn, es liegt ein Nachweis vor, dass der gemeldete Vorfall durch Ihre Verletzung dieser Vereinbarung, grobe Fahrlässigkeit oder Ihr betrügerisches Verhalten verursacht worden ist. Alternativ können Sie Ihre Verfügbare Guthaben einlösen. Wenn wir die Karte austauschen, wird die Karte an Ihre Hausanschrift vorbehaltlich möglicher Gebühren ausgeliefert - bitte beachten Sie die Gebühren-Begrenzungsbedingungen in Abschnitt 21. Wir werden den vollen Betrag der von Ihnen gemeldeten nicht autorisierten Transaktion, einschließlich etwaiger damit verbundener Gebühren, zurückerstatten Wenn Sie uns die Transaktion im Einklang mit dieser Vereinbarung mitteilen, mit der Ausnahme, dass: wenn ein Beweis dafür vorliegt, dass Sie betrügerisch gehandelt haben oder mit Vorsatz oder grober Fahrlässigkeit die Vereinbarung in Bezug auf die Nutzung der Karte und die Sicherheit der Kartensicherheitsdetails Wir führen zunächst eine sofortige Untersuchung durch, um festzustellen, ob die Transaktion von Ihnen genehmigt wurde und erst dann zurückerstattet wird, wenn die Untersuchung zeigt, dass die Transaktion von Ihnen nicht autorisiert wurde und die Karte verloren ging, gestohlen wurde Ihre PIN oder andere Sicherheitsdaten nicht vor Veruntreuung zu bewahren, werden Sie für Verluste haftbar gemacht, bevor Sie von uns bis zu einem Maximum von Null (0) GBP (oder Äquivalent in einer anderen Währung) pro Instanz von Ihnen mitgeteilt werden Verlust, Diebstahl oder Veruntreuung. You will be liable for all losses incurred in respect of an unauthorised Transaction where you have acted fraudulently or have with intent or gross negligence failed to comply with the Agreement in relation to the use of the Card and safety of its security features. Except where you have acted fraudulently you will not be liable for any losses incurred in respect of an unauthorised Transaction arising after you notify us of the Transaction in accordance with the Agreement or for any losses that occur where your Card has been used in a Card Not Present environment. If there is evidence that you checked your online Account and did not notify us of the unauthorised Transaction without undue delay, you may not be entitled to a refund. We reserve the right to investigate any disputed Transaction or misuse of the Card before and after a refund. In order to do so We may need more information and assistance from you and you are required to reasonably cooperate with any investigation by us or any law enforcement agency or other competent authority. If We refund you following your claim and subsequently establish that you were not entitled to a refund, We may deduct it from your Available Balance after notifying you. If you do not have sufficient Available Balance, you must repay us the amount immediately on demand. 18. Our liability We will not be liable for any loss arising from: your inability to use the Payment Service as set out in the Agreement or for any reason stated in clauses 10, 13, 16 and other clauses limiting your use any cause which results from abnormal or unforeseen circumstances beyond our control, consequences of which would have been unavoidable despite all our efforts to the contrary, including but not limited to fault in or failure of data processing systems, lack of funds, maximum withdrawal limits set by ATM operators a Merchant refusing to accept your Card any issue with the goods or services that are purchased with your Card any loss or theft that is reported with undue delay or more than thirteen (13) months following the debit date of the Transaction in question our compliance with legal and regulatory requirements our suspending, restricting or cancelling your Card or refusing to issue or replace it in accordance with clause 8 above, or loss or corruption of data unless caused by our wilful default. From time to time, your ability to use your Card may be interrupted, e. g. when We carry out maintenance to improve and keep the service running for our customers. If this happens, you may be unable to: load your Card use your Card to make a payment, andor obtain information about the funds available on your Card andor about your recent Transactions. We will not be liable for any loss arising from such interruptions. We are also not liable for: business interruption, loss of revenue, goodwill, opportunity or anticipated savings, or any indirect or consequential loss arising from your total or partial use or inability to use your Card, or the use of your Card by any third party. To the fullest extent permitted by relevant law, and subject to clauses 17 and 19, our total liability under or arising from this Agreement will be limited as follows: where your Card is faulty due to our default, our liability will be limited to replacement of the Card or, at our discretion, repayment to you of the Available Balance where sums are incorrectly deducted from your Available Balance due to our fault, our liability will be limited to payment to you of an equivalent amount, and in all other circumstances of our default, our liability will be limited to repayment of the amount of the Available Balance. No party will be liable for, or be considered in breach of this Agreement on account of, any delay or failure to perform as required by this Agreement as a result of any causes or conditions which are beyond such partys reasonable control and which such party is unable to overcome by the exercise of reasonable diligence. The above exclusions and limitations set out in this clause 18 will also apply to any liability of our affiliates, such as the Programme Manager, MasterCard International or other suppliers, contractors, agents or distributors and any of their respective affiliates (if any), to you, which may arise in connection with this Agreement. 19. Your right to a refund for authorised and incorrectly executed Transactions You may be able to claim a refund for an authorised Transaction if (i) your authorisation of the Transaction did not specify the exact amount at the time of the authorisation, and (ii) the amount exceeded what you would have reasonably expected taking into consideration your previous spending patterns and other relevant circumstances. A claim for a refund of such a Transaction must be made within eight (8) weeks from the date on which the funds were deducted from your Available Balance. We may require you to provide us with such information as is reasonably necessary to ascertain whether you meet the conditions for the refund. Within ten (10) Business Days of receiving (i) your claim for a refund or (ii) where applicable, any further information We requested from you, We will either refund the full amount of the Transaction or provide you with justification for refusing the refund. In order to get a refund for an incorrectly executed Transaction (including non-executed or defectively executed Transaction), you must report the Transaction without undue delay upon becoming aware of it or otherwise you will lose your right to a refund. You will not be able to get a refund for any incorrectly executed transaction reported after thirteen (13) months have passed following the debit date of the Transaction. Despite of the possible thirteen (13) month refund period you will not be able to claim for a refund for an incorrectly executed Transaction if the Transaction was correctly displayed in your online Account and you failed to inform us without undue delay about the Transaction being incorrectly executed upon seeing the Transaction in your online Account. In this respect We urge you to check your online Account on a regular basis and review your Transactions carefully. As soon as practicable after you have notified us of a disputed Transaction in accordance with this Agreement, you must confirm the disputed Transaction in writing by email or by post, setting out full details of the Transaction and your reason for disputing it. You must provide us with all receipts and information that are relevant to your claim. Where We are liable for an incorrectly executed Transaction, We will without undue delay refund you the amount of the Transaction, restore your account to the state it would have been had the defective Transaction not taken place and refund any charges and interest that have arisen as a consequence of the non-execution or defective execution of the Transaction provided you notify us of the Transaction in accordance with this clause 19. If We refund you following your claim and subsequently establish that you were not entitled to a refund, We may deduct it from your Available Balance after notifying you. If you do not have sufficient Available Balance, you must repay us the amount immediately on demand. If you are not satisfied with the justification provided for refusing the refund or with the outcome of your claim for a refund, you may submit a complaint as described in clause 26. 20. Changes to the Agreement We may change the Agreement at any time and will notify you by e-mail or other agreed means at least two (2) months before the change is due to take effect unless We are required by law to change the Agreement immediately or if We reasonably consider the change is to your advantage and there is no increased cost to you. You will be deemed to have accepted the notified change unless you tell us that you do not agree to the change prior to the change being effective, in which case the Agreement will terminate without charge upon expiry of the notice. You also have a right to terminate the Agreement immediately and without charge at any point during the notice. In such circumstances We will refund the Available Balance on the Account in accordance with clause 13 and you will not be charged a Redemption Processing Fee. The notices and the most recent version of the Card terms and conditions will always be available on the Website. You may also want to check the Website regularly for any notices and changes. We may make immediate changes to the exchange rate used to convert the amount of a Transaction between two currencies as applicable. For a Transaction made in a currency other than a Card Currency you can find out what the applicable exchange rate was at the time of the Transaction via the MasterCard website. 21. Fees and limits Multiple Currencies - order of priority As the Card is a multi-currency Card it is set up so that You can fully utilise Your entire Available Balance to fund a transaction. This means that where You do not have funds available on the Card in the currency of the transaction, either because it is not one of the available Card Currencies on the Card, or because You do not have a sufficient Available Balance in the relevant Card Currency, the Card will use Your Card Currency Available Balances in the default order of priority. The default order of priority is. 1.GBP 2.EUR 3.USD 4.AUD 5.CAD 6.NZD 7.HKD 8. CHF 9.JPY 10.DKK 11.ZAR 12.PLN 13.SEK 14.NOK 15.HUF. This means that the Card will first take funds from the relevant Card Currency Available Balance. i. e. if the transaction in question is in US , the Card will first look to see if You have a sufficient US Available Balance and if not, will then work its way through the balances in the above order until the transaction amount is able to be satisfied. In this case the foreign exchange rate used for allocating funds from one Card Currency to another Card Currency is set and determined by Us and varies each day. This foreign exchange service is provided to you by the Programme Manager. Where a Transaction is performed in a currency different from the Card Currencies the foreign exchange will take place at 2.49 from the MasterCard daily settlement rate, which can be found here here Please see the Fees and Limits Table below for an explanation of what foreign exchange fees apply in these scenarios. Fees and limits are subject to variation in accordance with the Agreement. Unless otherwise specified, all fees will be debited in GBP. If there is an insufficient Available Balance in 1. GBP to pay such fees then We will automatically deduct funds from the Available Balances in other Card Currencies in the following order of priority: 2.EUR 3.USD 4.AUD 5.CAD 6.NZD 7.HKD 8. CHF 9.JPY 10.DKK 11.ZAR 12.PLN 13.SEK 14.NOK 15.HUF. The following fees and limits apply. Fees, Charges amp Limits in GBP Although the below values are displayed in GBP, if your card is loaded in a different currency, your card will be charged in that currency. FEES amp CHARGES Maximum card loads via the app in 24 hours Fees and limits are subject to variation in accordance with the Agreement. Unless otherwise specified, all fees will be debited in GBP. If there is an insufficient Available Balance in 1. GBP to pay such fees then We will automatically deduct funds from the Available Balances in other Card Currencies in the following order of priority: 2.EUR 3.USD 4.AUD 5.CAD 6.NZD 7.HKD 8. CHF 9.JPY 10.DKK 11.ZAR 12.PLN 13.SEK 14.NOK 15.HUF. The following fees and limits apply. We may charge fees in connection with any of our services and facilities that you have made use of or requested based on our Fees amp Limits Schedule. The Fees amp Limits Schedule is subject to changes, which will be notified to you as set out in clause 20. The most recent update of schedule will be available on the Website. The foreign exchange rate used for allocating funds from one Card Currency to another Card Currency is set and determined by Us and varies each day. For the exchange rate currently applicable, please click here. 22. Cardholder details You must let us know as soon as possible if you change your name, address, phone number or e-mail address. If We contact you in relation to your Card, for example, to notify you that We have cancelled your Card, We will use the most recent contact details you have provided to us. We will not be liable to you if your contact details have changed and you have not informed us. 23. Data protection In purchasing the Card and using it, you agree that We can use your personal information in accordance with our Privacy Policy. Our Privacy Policy is set out out here. It includes details of the personal information that We collect, how it will be used, and who We pass it to. You can tell us if you do not want to receive any marketing materials from us. 24. Payment disputes with Merchants In relation to any dispute between the Cardholder and a Merchant, provided you are able to satisfy us that you have already made all efforts to resolve the dispute with the relevant Merchant, We will attempt to assist you so far as is reasonably practicable. If there is an irresolvable dispute with a Merchant in circumstances where the Card has been used for a Transaction, you will be liable for the Transaction and will have to resolve this directly with the relevant Merchant. 25. Communication Unless required otherwise by other provisions of this Agreement, if you have an enquiry relating to your Card, you can call our customer service telephone line on 0333 123 1812 or 44 20 7201 0526 from outside the UK. Calls to 03 numbers cost no more than a national rate call to an 01 or 02 number and must count towards any inclusive minutes in the same way as 01 and 02 calls. These rules apply to calls from any type of line including mobile, BT, other fixed line or payphone. This Agreement is concluded in English. All communications with you will be in English. We may contact you by e-mail, text message or post unless provided otherwise under the Agreement. You must maintain a valid e-mail address, a valid mobile telephone number and a valid address registered with us and must notify us of any changes in your registered details without delay. You agree to check for incoming messages regularly. Any e-mail will be deemed received as soon as it is sent unless within twenty four (24) hours the sender receives a failure notice indicating that the email has not been transmitted. Any e-mail will be deemed received by the recipient on the day it is received in an e-mail inbox if received before 4.30 pm on a Business Day. If received at any other time, it will be deemed received on the next Business Day. Any communication or notice sent by post will be deemed received three (3) days from the date of posting for UK post or within five (5) days of posting for international post. Any communication or notice sent by text message will be deemed received the same day. 26. Cardholder complaints The Card programme is managed by the Programme Manager. If you are not satisfied with your Card or the way it is managed, tell us by contacting us using our Contact Details in clause 2 so We can investigate the circumstances for you. We will promptly send you the complaint acknowledgement by post or by e-mail and enclose with it a copy of our Complaints Procedure either as a hard copy or as a pdf file. You may also request to be provided with a copy of our Complaints Procedure at any time. Details of our Complaints Procedure can also be obtained on our Website. Any complaints you have will be dealt with quickly and fairly and you agree to cooperate with us and provide the necessary information for us to investigate and resolve the complaint. You may be able to take unresolved complaints to the Financial Ombudsman Service via: Post: Exchange Tower, London E14 9SR. Telephone: 0800 023 4567 (landline users) or 0300 123 9 123 (mobile users) 27. Compensation and protection of your funds The Card is an e-money product and although it is a product regulated by the Financial Conduct Authority, it is not covered by the Financial Services Compensation Scheme. No other compensation scheme exists to cover losses claimed in connection with the Card. This means that in the unlikely event that Valitor hf. becomes insolvent your funds may become valueless and unusable and as a result you may lose all of your money. Valitor hf. ensures that once it has received your funds they are deposited in a secure account, specifically for the purpose of redeeming transactions made by your Card. In the event that Valitor hf. becomes insolvent, funds against which Valitor hf. has already issued electronic money are protected against the claims made by creditors. 28. Assignment We may assign this Agreement to another company at any time. If We assign the Agreement to another company, you will be given two (2) months notice of this. Unless you tell us within the two (2) month period that you do not want to continue with the Agreement after the assignment, you agree that We can assign the Agreement in this way. Your rights will not be affected by such assignment should it happen. You may not assign the Agreement to a third party. Your right to terminate the Agreement under clause 13 is not affected. 29. Transfer of funds to a new prepaid Card We have the right to and may transfer your Available Balance to a new Card provided by a prepaid card issuer other than Valitor hf. at any time. Before We do this you will be given at least two (2) months notice of the Card arrangements and the new Card terms and conditions. Unless you tell us within the two (2) month period that you do not want a new Card from the new issuer, you agree that We can transfer the Available Balance on your Card to a new prepaid Card provided by the new prepaid card issuer. Your right to terminate the Agreement under clause 13 is not affected. 30. Governing law This Agreement will be governed by English law and the English courts will deal with any legal proceedings between us. 31. The Issuer of the Card Your Card is issued by Valitor hf. whose principal office is Dalshraun 3, 220 Hafnarfjordur, Iceland. Valitor hf. is authorised and regulated by the Icelandic Financial Services Authority as a credit institution (registered number 500683-0589) and is accordingly permitted to issue electronic money in the UK. Your Card is the property of Valitor hf. and is not transferable to anyone else. Below are terms and conditions relating to Caxton FX currency services and Caxton FX prepaid currency cards. Please take the time to read them carefully. Visa Prepaid Card Terms and Conditions These Terms and Conditions apply to Your Prepaid Card Glossary of Definitions In these Terms and Conditions, the following expressions shall have the following meanings: Account means the electronic account which is linked to the use of Your Card and is maintained for Your Card. Additional Cardholder means the person you have authorised to use a Prepaid Card connected to your Account, who you agree is authorised to undertake Transactions on Your behalf and who is also subject to these Terms and Conditions. Agreement means the agreement with Us in relation to the Card and which is made up of these Terms and Conditions, any amendments to them as notified to You and any other document which You are required to sign for the provision of the Card. ATM means an automated teller machine or cash dispenser bearing the Visa logo. Available Balance means the value of funds loaded onto Your Card and available for You to spend from time to time. Business Day means Monday to Friday, 9am to 5pm excluding public holidays in the UK. Card or Prepaid Card means the plastic prepaid card issued to You under this Agreement which You may use in accordance with these Terms and Conditions. Card Carrier means the documentation that is enclosed with Your Card and is sent to You in relation to Your Card, when it is delivered to You including any specific functionality that Your Card may have. Card Distributor means the entity that has requested that a Card is issued to You, and in this Agreement means The Caxton FX Limited (registered number: 04610337) whose registered office is at Portland House, Bressenden Place, London, SW1E 5BH. Cardholder means You, the authorised user issued with a Card who enters into the Agreement and any Additional Cardholder. CAT Terminals means any Customer Activated Terminals such as but not limited to Paypump, Toll Roads, Car Parks or Train Ticket Terminals. Customer Services means the website or helpline operated by Us or on Our behalf which deals with queries and requests from Cardholders in relation to the activation and use of a Card under these Terms and Conditions. The contact details for Customer Services are set out in section 19. Disputed Transaction means any Transactions not authorised by You or have been posted against Your Account in error in any way. e-money means the money issued by Raphaels which is held electronically on the Card and is available for You to spend. FCA means the Financial Conduct Authority. Fees means the charges for the use of Your Card as set out or described in section 14 of these Terms amp Conditions. Merchant means a retailer, or any other person, firm or company that displays the Visa logo and can accept Visa debit cards using an electronic terminal. PAN means the 16 digit number on the front of Your Card. PIN means the personal identification number given to You (or which You have chosen) for use with the Card (where applicable). Raphaels or Raphaels Bank means R. Raphael amp Sons plc (registered number 01288938) whose head office and registered office is at 19 - 21 Shaftesbury Avenue, London, W1D 7ED. Raphaels Bank is a bank authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 161302 and is permitted to issue e-money. Reload or Load means to add further money to Your Account which will be shown in Your Available Balance. Loads cannot be made by Additional Cardholders. Secondary Cards means cards issued to Additional Cardholders as requested by You. Spend means spending by You using Your Prepaid Card either through retail outlets and over the internet or withdrawing funds from an ATM or over the counter in a bank. Terms and Conditions means these Terms and Conditions and those set out in any product leaflet, Website or Card Carrier. Transaction means any retail sale or ATM withdrawal completed by You using Your Prepaid Card. Visa means Visa Europe who operate the Visa programme subject to the Visa Europe Operating Regulations (and all other rules referred to therein). We . Us . Our or Ourselves (or any other variations thereof) means Raphaels, andor where context so admits, the Card Distributor andor any other person or entity to whom We may transfer or assign Our rights and obligations in the future. 1. Your Prepaid Visa174 Card You can use the Prepaid Card at any location that displays the Visa acceptance mark, including shops, restaurants, online, or on the telephone. You can also use Your Prepaid Card overseas. Before using the Prepaid Card You need to make sure there are enough funds loaded on it. You will not be able to use Your Prepaid Card after its expiry date. However We will invite You to renew Your Card approximately one month prior to expiry. Your Prepaid Card is not a credit card and can only be connected to Your bank account for the purposes of loading the card. You will not earn any interest on any funds loaded on Your Prepaid Card. Where You have requested a Secondary Card, You authorise Us to issue Prepaid Card and a PIN to the Additional Cardholder and You authorise each Additional Cardholder to authorise Transactions on Your behalf. Additional Cardholders must be 13 years of age or over. 2. Applying for and activating Your Prepaid Card To apply for Our Prepaid Card You must be at least 18 years old and a UK, Isle of Man or Jersey resident. We will require evidence of who You are and Your address. We may ask You to provide some documentary evidence to prove this andor We may carry out checks on You electronically. We do not charge a Fee for the first Card being applied for but We do take a 10 deposit on application which will be added to Your Available Balance when You activate Your Card. You must sign the signature strip on the back of the Prepaid Card as soon as it is received. Please refer to Our Website (caxtonfxcard) for all Prepaid Card loading options, or refer to the Loading Your Prepaid Card section below. To activate Your new Prepaid Card You will need to know the PIN number. This can be retrieved by calling 0333 123 1812 or 44 207 281 0712 when calling internationally, and following the steps in the automated process. You will also need to set up Your online account before You can start using Your card. To do this, please visit our website caxtonfx and follow the simple steps to set up an account ID and password. By using the Prepaid Card You are agreeing to these Terms and Conditions. 3. Loading Your Prepaid Card Funds can be loaded to Your Prepaid Card in a number of ways: Internet top up, phone top up, or via SMS, however Your first load must be made online. Simply follow the instructions on the Website. The maximum initial load on Your Prepaid Card is 5007501000 depending on the currency of the card. The minimum load value for both the initial load and subsequent reloads is 100150200 depending on the currency of the card. Your Prepaid Card cannot be loaded more than twice in any one day. The Available Balance on Your Prepaid Card can never exceed 5,000 or 7,500 or 10,000 at any time. We reserve the right to refuse to accept any particular loading Transaction. Once loaded, funds will usually be available for use on the Prepaid Card within minutes. 4. Using Your Prepaid Card Detailed instructions on how to use Your Prepaid Card are found on the Website. You will need to follow these instructions when using Your Prepaid Card. We will deduct the value of Your Transactions from the Available Balance on Your Prepaid Card as soon as they are made. We will also deduct any applicable Fees as soon as they become payable by You. Please see section 14 below for details of Our Fees. The Prepaid Card belongs to Us. We may ask You to stop using Your Prepaid Card and return it to Us or destroy it. We may at any time suspend, restrict or cancel Your Prepaid Card or refuse to issue or replace a Prepaid Card for reasons relating to the following: We are concerned about security of the Prepaid Cards We have issued to You We suspect Your Prepaid Card is being used in an unauthorised or fraudulent manner We need to do so to comply with the law. If we do this, it may take up to thirty days to resolve. We will tell You as soon as We can or are permitted to do so after We have taken these steps. Like other payment cards, We cannot guarantee a retailer will accept Your Prepaid Card. We may also refuse to authorise a Transaction: if We are concerned about security of Your Prepaid Card or We suspect Your Prepaid Card is being used in an unauthorised or fraudulent manner if sufficient funds are not loaded on Your Prepaid Card at the time of a Transaction to cover the amount of the Transaction and any applicable Fees if there is an outstanding Shortfall on the Prepaid Card in accordance with section 15 if We have reasonable grounds to believe that You are acting in breach of this Agreement if We believe that a Transaction is potentially suspicious or illegal (for example, if We believe that a Transaction is being made fraudulently) or because of errors, failures (whether mechanical or otherwise) or refusals by merchants, payment processors or payment schemes processing transactions. If We refuse to authorise a Transaction, We will, if practicable, tell You why immediately unless it would be unlawful for Us to do so. You may correct any information We hold and which may have caused Us to refuse a Transaction by contacting Us (see section 19). You may use the Caxton FX Card at any location in the world that displays the Visa acceptance mark, excluding limited acceptance Merchants in EUEEA that do not accept prepaid cards and subject to the restrictions set out in Section 7 below. 5. Authorising Transactions Subject to the features of the particular Prepaid Card, the authorisation of a Transaction can include authorising any single Transaction, a series of recurring Transactions (including Transactions for an indefinite period) or pre-authorising future Transactions of a certain or uncertain amount. Where You have requested Additional Cardholders, You authorise each Additional Cardholder to authorise Transactions on Your behalf. A Prepaid Card Transaction will be regarded as authorised by You where You: authorise the Transaction at the point of sale by following the instructions provided by the merchant or retailer to authorise the Transaction, which may include: a) entering Your PIN or providing any other security code b) signing a sales voucher c) providing the Prepaid Card details and or providing any other details as requested d) waving or swiping the Prepaid Card over a card reader or inserting Your Prepaid Card into a card reading device for the purpose of making a payment insert a Prepaid Card and enter Your PIN to request a cash withdrawal at an ATM make a request for a cash withdrawal at any bank counter. Authorisation for a Transaction may not be withdrawn (or revoked) by You after the time it is received. However, We may withdraw a Transaction which is agreed to take place on a date later than the date it was authorised if You or an Additional Cardholder gives notice to the supplier and provide a copy of the notice to Us no later than the close of business on the business day before the Transaction was due to take place. 6. Expiry of Your Prepaid Card Your card will be valid for 2 years. When it expires We will normally issue You with a replacement card if You let Us know one is required. You will be contacted by email at Your registered email address one month before expiry where You will be required to re-confirm Your details and which replacement card You require. On issuing a replacement card on expiry the Available Balance held on Your Prepaid Card will be automatically transferred to Your replacement card. If You do not require a replacement card on expiry You are entitled to a redemption of any Available Balance held on the card as set out in the Your Right to a Redemption of the Funds on Your Prepaid Card section below. Where balances are not redeemed and where you have not contacted us to request a replacement card any Available Balance will remain on the expired Card. 7. Cancellation of Your Prepaid Card and Termination of this Agreement You have a legal right to cancel Your Prepaid Card up to 14 days after You receive the Prepaid Card without being charged the Redemption Fee - this 14 day period is known as the Cooling-Off Period. Under these Terms and Conditions, You also have the right to cancel Your Prepaid Card at any time after the 14 day Cooling-Off Period without notice. You can cancel Your Prepaid Card by sending an email to Us using the contact Us function on the Website, and confirming that You have destroyed Your Prepaid Card. You can cancel this Agreement at any time by telling Us to do so by post, email or Secure Message. If You cancel Your Prepaid Card, once all Transactions and Fees have been deducted, We will arrange for any unused funds remaining on your Prepaid Card to be returned to the original loading source within 5 days subject to satisfactory checks being completed. You will not be entitled to a refund of money You have already spent on authorised Transactions, or pending Transactions or any Fees for use of the Prepaid Card before the Prepaid Card is cancelled or expires, see section 11 for further information. A Redemption Processing Fee will be charged (see section 14) unless: You cancel Your Prepaid Card within 14 days of receiving it or You have arranged to transfer Your Available Balance to another Prepaid Card managed by Us or You request a redemption within 12 months from expiry of the last Card connected to your account or You cancel Your Prepaid Card due to changes initiated by Us as indicated in section 13 and section 23 below. We can end this Agreement at any time. We will normally give You 60 days advance notice by post, email or Secure Message. However, if there are exceptional circumstances, We may end this Agreement immediately and tell You about it afterwards, unless We are required by law to give You notice first. We may also terminate Your Agreement for any reason and in case of the following: if You break an important part of this Agreement, or repeatedly break the Agreement and fail to resolve the matter in a timely manner if You act in a manner that is threatening or abusive to Our staff, or any of Our representatives if You fail to pay Fees or charges that You have incurred or fail to put right any shortfall in the event of Your death. We may cancel, restrict or suspend the use of the Card immediately if We suspect You, an Additional Cardholder or a third party are involved in any crime, fraud or misuse in relation to the Card or PIN or break an important part of this Agreement, or repeatedly break the Agreement and fail to resolve the matter in a timely manner or where We are required to do so by law. If We do this We will tell You as soon as We are legally permitted to do so. If We cancel Your Prepaid Card You must tell Us what You want Us to do with any unused funds within 3 months of the date We tell You Your Prepaid Card is cancelled. If We receive no contact within three months, We will attempt to return the funds to the loading source. If We or You cancel Your Card You should where possible cut the Card in half through the magnetic stripe and chip and then dispose of the Card and any other materials that belong to Us carefully. If Your Prepaid Card is cancelled, We will immediately block Your Prepaid Card so it cannot be used. 8. Keeping Your Prepaid Card secure You should treat Your Prepaid Card like cash. If it is lost or stolen, You may lose some or all of Your money on Your Prepaid Card, in the same way as if You lost cash in Your wallet or purse. As a result, You must keep Your Prepaid Card safe and not let anyone else use it. You should not keep Your PIN with the Card, or disclose Your PIN to, or otherwise make it available to, any other person. You can change Your PIN to something more memorable at most ATM machines in the UK, Isle of Man or Jersey by following the on screen instructions. If You change Your PIN, You should not choose a PIN that can be easily guessed such as Your telephone number or date of birth. You must notify Customer Services as soon as possible if You believe that Your PIN has been obtained or changed without Your consent. You are responsible for checking the Available Balance on Your Prepaid Card regularly. You can check Your Available Balance online at the Website, via SMS or via phone on 0333 123 1812 or 0207 201 0526. We will provide You with Your Prepaid Card Available Balance and a statement of recent Transactions either by electronic means or on Our secure webpage at any time. Your statement will show information relating to each Prepaid Card Transaction which will identify: the amount of the Prepaid Card Transaction shown in the currency in which the Transaction was paid or debited to the account the amount of Fees for the Transaction the date the Transaction is authorised or posted on to the Account. 9. Lost and Stolen Prepaid Card and unauthorised or incorrectly executed payments You must tell Us without undue delay by calling Us on Our 24 hour lost and stolen card helpline 44 20 7201 0526 if You know or suspect that Your Prepaid Card is lost or stolen or that the PIN or password is known to an unauthorised person or if You think a Transaction has been incorrectly executed. If You ask Us to do so, We will investigate any disputed Transaction or misuse of Your Prepaid Card and We may need more information and assistance from You. Your liability is limited to 50 for use of a loststolencompromised Card before notice is given by You to Us. You are not liable for any transactions after notice has been given by You to Us unless You or the Additional Cardholder acted fraudulently or with gross negligence. If You think that any Transactions were not authorised by You or have been posted against Your Account in error (Disputed Transaction), You should contact the Merchant first as this may lead to a quicker resolution of the dispute. You must contact Us if You cannot resolve the Disputed Transaction with the Merchant and in any event no later than 13 months from the date of the Disputed Transaction. Unless We have reason to suspect fraud or deliberate or grossly negligent behaviour on Your part, We shall immediately process a refund of the amount of the Disputed Transaction on the day You contact Us about the claim, or if outside business hours, the next business day. If We refund a Disputed Transaction to Your Account and subsequently receive information to confirm that the Transaction was authorised by You and correctly posted to Your Account, We shall deduct the amount of the Disputed Transaction from Your Available Balance. If Our investigations discover that the disputed Transaction was genuine and originated by You directly or indirectly, or that You have acted fraudulently or with gross negligence, We will charge You an Investigation Fee of up to 50.00. 10. Our liability We will not be liable for any loss arising from: any cause which results from abnormal or unforeseen circumstances beyond Our control, consequences which would have been unavoidable despite all Our efforts to the contrary or a retailer refusing to accept Your Prepaid Card or Our compliance with legal and regulatory requirements loss or corruption of data unless caused by Our wilful default. We are also not liable for: business interruption, loss of revenue, goodwill, opportunity or anticipated savings any indirect loss You may suffer as a result of Your use or inability to use Your Card or for matters for which we are responsible. We reserve the right to charge You for any reasonable costs that We incur in taking action to stop You using Your Prepaid Card and to recover any monies owed as a result of Your activities. 11. Your Right to a Redemption of the Funds on Your Prepaid Card You have the right to redeem the funds on Your Prepaid Card at any time in whole or in part. To do so, send Us an e-mail using the contact Us facility on the Website, or contact Us on 0333 123 1812 or 44 20 7201 0526 requesting a redemption and indicating the amount to be redeemed. If You request redemption of all funds on Your Prepaid Card, You may keep Your card with a zero Available Balance ready to load for Your next trip. There are no Fees or charges levied for cards with a zero Available Balance. When We process Your redemption, We will charge a Redemption Processing Fee (see section 14) other than: during the initial 14 day cooling off period during the 12 months following the expiry of the last Prepaid Card connected to Your account when You are cancelling Your Prepaid Card due to the circumstances explained in section 13 and 23. Funds will usually be returned in Sterling and where a conversion from a foreign currency to Sterling is required the conversion rate will be calculated using the prevailing buy rate applicable at the time of the redemption and can be confirmed by telephone. We can return the funds to the loading source, to a bank account in the same name as the Prepaid Card Account or We can issue a cheque for the redemption amount. Please note We may need to verify Your identity in order to satisfy Anti Money Laundering requirements. We will not redeem the value of the funds on Your card to You if Your request for redemption of the funds is received by Us more than six years after expiry of this Agreement. 12. Refunding Transactions You may be entitled to claim a refund in relation to Transactions where: the Transaction was not authorised under this Agreement We are responsible for a Transaction which was incorrectly executed and notified to Us in accordance with section 8 above a pre-authorised Transaction did not specify the exact amount at the time of its authorisation and the amount charged by a supplier is more than You or an Additional Cardholder could reasonably have expected taking into account normal spending patterns on the Prepaid Card or the circumstances of the Transaction. A claim for a refund in the circumstances set out above will not be accepted if the amount of the Transaction was made known to You at least 4 weeks before the Transaction date. We were notified of the unauthorisedincorrectly executed Transaction within 13 months of the debit date. 13. Changes to these Terms We may change these Terms at any time and will notify You by e-mail or other agreed means at least 60 days before the change is due to take effect unless we are required to change these Terms immediately by law or if We reasonably consider this is to Your advantage and there is no increased cost to You. The up-to-date version of the Prepaid Card Terms and Conditions will always be available on the Website. The change will automatically take effect and it will be taken that You have accepted the notified change unless You tell Us that You do not agree to the change. In that event, We will treat that notice as notification that You wish to immediately terminate this Agreement. In such circumstances We will return to You any Available Balance on the Card in accordance with section 11 above and You will not be charged a Redemption Fee. 14. Fees, Charges and Limits We do not charge any Fees for checking Your on-line Available Balance and Transactions. However the following Fees do apply: Fees amp Charges Fees amp Charges When You use Your Prepaid Card at an ATM, You may also be subject to applicable Fees, surcharge rules and regulations of the relevant ATM, or other financial institution or association. If We decide to increase or impose any new Fees, We will tell You by e-mail, SMS, or post, at least 60 days before any changes take effect unless we are required to change these Terms immediately by law. 15. Shortfall Authorisation will usually be requested for all Transactions. However in the unlikely event that a Transaction is completed when there are insufficient funds for that Transaction on the Prepaid Card (a Shortfall), the Shortfall shall be reimbursed by You. You agree that once We make this Shortfall known to You, We may charge You for the Shortfall amount. We may charge the amount of the Shortfall to any other Prepaid Cards that You hold with Us, to any other payment method which You may designate at that time, or against any funds which You may subsequently load onto Your Prepaid Card or on any additional Prepaid Card ordered by You. Until We are reimbursed the Shortfall amount, We may suspend Your Prepaid Card and any additional Prepaid Cards connected to You. You are responsible for checking the Available Balance on Your Prepaid Card regularly. You can check Your Available Balance online at the Website, via SMS or via phone on 0333 123 1812 or 44 20 7201 0526. 16. Your Details You must let Us know as soon as possible if You change name, address, phone number or email address. If We contact You in relation to Your Prepaid Card, for example, to notify You that We have cancelled Your Prepaid Card or to send You a refund by cheque, We will use the most recent contact details You have provided to Us. Any e-mail to You will be treated as being received as soon as it is sent by Us. We will not be liable to You if Your contact details have changed and You have not told Us. 17. Data Protection In purchasing the Prepaid Card on the Website and using it, You agree that We can use Your personal information in accordance with Our Privacy Policy. Our Privacy Policy is set out on Our Website, it includes details of the personal information that We collect, how it will be used, and who We pass it to. You can tell Us if You dont want to receive any marketing materials from Us. 18. Goods and Services Disputes with Retailers If You have any disputes about purchases made using Your Prepaid Card, You should settle these with the person You bought the goods or services from. We are not responsible for the quality, safety, legality or any other aspect of any goods or services purchased with Your Prepaid Card. Remember that once You have used Your Prepaid Card to make a purchase We cannot stop that Transaction. 19. Communication If You have an enquiry relating to Your Prepaid Card, You can use the Contact Us facility on the Website. We will deal with Your enquiry promptly. If You do not wish to enquire in this way You can alternatively call Our Customer Services telephone line on 0333 123 1812 or 020 7201 0526. Lines are open Monday - Friday 08:00 - 19:00 and on Saturday - Sunday 09:00 - 17.00 UK time. The Customer Services telephone line is a chargeable service. Calls are typically charged at between 1p and 12p per minute depending on the time of day for landline customers, plus a call set-up fee. Calls from mobile phones generally cost between 5p and 40p per minute. 20. Complaints The Prepaid Card programme is managed by Caxton FX Ltd, Portland House, Bressenden Place, London, SW1E 5BH. If You are unhappy in any way with Your Prepaid Card or the way it is managed, tell Us by using the e-mail enquiry facility on the Website or by telephoning our customer services department on 0333 123 1812 or 020 7201 0526 so We can investigate the circumstances for You. Any complaints You have will be dealt with quickly and fairly. You may be able to take unresolved complaints to the Financial Ombudsman Service as follows: The Financial Ombudsman Service Exchange Tower London E14 9SR You can also call the Financial Ombudsman Service on the below numbers: 0800 023 4567 - Calls to this number are normally free for people ringing from a fixed line phone but charges may apply if you call from a mobile phone. 0300 123 9 123 - Calls to this number are charged at the same rate as 01 or 02 numbers on mobile phone tariffs. These numbers may not be available from outside the UK. If abroad call on 44 20 7964 0500. The European Commissions Online Dispute Resolution Platform is also available at: ec. europa. euodr 21. Compensation The Prepaid Card is an electronic money product and although it is a product regulated by the Financial Conduct Authority, it is not covered by the Financial Services Compensation Scheme. No other compensation scheme exists to cover losses claimed in connection with the Prepaid Card. This means that in the unlikely event that Raphaels Bank becomes insolvent Your funds may become valueless and unusable and as a result You may lose Your money. 22. Assignment We may assign the benefit and burden of these Terms and Conditions to another company at any time, on giving You 60 days prior notice of this. If We do this, Your rights will not be affected. 23. Transfer to a new Prepaid Card We may transfer Your unused Available Balance to a new Prepaid Card provided by a Prepaid Card issuer other than Raphaels Bank at any time. Before We do this, We will give You 60 days notice of the new Prepaid Card arrangements and the new Prepaid Card Terms and Conditions. Unless You advise Us within the 60 days period that You do not want a new Prepaid Card from the new Prepaid Card issuer, You agree that We can automatically transfer the unused Available Balance on Your Prepaid Card to a new Prepaid Card provided by the new Prepaid Card issuer. If You do not want to transfer to the new Prepaid Card issuer You may redeem Your funds as set out in the section Your Right to a Redemption of the Funds on Your Prepaid Card above and the redemption Fee will be waived. 24. Governing Law This Agreement is concluded in English. All communications with You will be in English. These Terms and Conditions will be construed in accordance with English law. 25. Fund Protection As a responsible Credit Institution, Raphaels Bank ensures that Your Available Balance is held in a ring fenced trust account in Raphaels name at a major international bank (with a high long-term credit rating) under a Trust Deed, the terms of which are intended to provide protection against a successful claim being made on the funds by any creditor (including any Liquidator or Administrator) of Raphaels other than You as the Cardholder. 26. Prepaid Card Issuer Your Prepaid Card is issued by R. Raphael amp Sons plc (trading as Raphaels Bank) under Company Registration No: 1288938 with its head office and registered office at 19-21 Shaftesbury Avenue, London, W1D 7ED. Raphaels Bank is a bank authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 161302 and is permitted to issue e-money. Your Prepaid Card is the property of Raphaels Bank and is not transferable to anyone else. Buy Back Guarantee Terms and Conditions Below are terms and conditions relating to Caxton FX Buy Back Guarantee. Please take the time to read them carefully. The Caxton FX Terms and Conditions 1. Caxton FX39s Services 1.1 Caxton FX Ltd, whose registered office is at Portland House, Bressenden Place, London SW1E 5BH (CFX) enters into contracts for the purchase and sale of currency for trade, commercial or other non-speculative purposes. CFX does not offer or provide any advice of any nature. As an integral part of its foreign currency service, CFX provides a money transmission service. CFX is authorised to provide this payment service by the Financial Conduct Authority (Registration number 431844) under the Payment Services Regulations 2009. 1.2 Any individual or business (Client) that wishes to enter into transactions for the purchase and sale of currency with CFX by submitting an order to CFX (Order) agrees that each Order shall constitute a separate contract incorporating and subject to these Terms to the exclusion of any other terms now or in the future, unless otherwise agreed by CFX. Each Order shall only become binding if and when accepted (whether orally, by phone, in writing or by any other media) by a duly authorised CFX representative. 1.3 CFX will only accept Orders from the Client to buy and sell currencies for Spot or Forward delivery where the Client agrees to take physical delivery of the purchased currency on the specified delivery date (Value Date). 1.4 CFX may accept Orders for the Client from authorised representatives approved by CFX. CFX may use any contact details provided by the Client when responding to Orders, and does not commit to use only the preferred delivery method or the preferred contact details of a particular authorised representative. The Client shall ensure that all contact details it supplies can be used for all communications for all authorised representatives for all Orders. 1.5 CFX may accept written or oral instructions for an Order from the Client or an authorised representative of the Client. Orders must be given in the prescribed CFX format. CFX may require written confirmation of any Client instruction before accepting an Order. 1.6 CFX may provide the Client with information or opinions about the foreign exchange markets but CFX does not offer any advice to the Client on the merits of any transaction either with CFX or with others. When entering into any contract the Client shall rely entirely on its own judgment. 1.7 CFX is not obliged to accept Orders from a Client and may at its discretion refuse any Order without giving any reason and without liability for any resultant loss or damages incurred by the Client or any other party. 1.8 Once an Order is accepted by CFX from or on behalf of a Client it cannot be cancelled, withdrawn, or varied in any way by the Client without the written consent of CFX. 2. Documentation for accepted Foreign Exchange Orders 2.1 CFX will issue a contract note confirming the details of each Order accepted by it which may be sent to the Client by fax, email, post or on the companys online system (Caxton Secure). Any such confirmation shall be provided for audit purposes only and shall not affect the terms of any Order agreed by CFX. The contract note will detail a unique reference for identification purposes as well as other information, for example, but without limitation, the purchase currency, the sale currency, the amount of each currency, the exchange rate, the date for settlement, any extra charges you may incur and the deposit required if it is a forward contract. 2.2 The Client shall notify CFX of any error or omission in any confirmation within 12 hours of receipt of a contract note issued by CFX. If CFX agrees there has been an error or omission, it shall issue a revised contract confirmation reflecting the revised terms. 3. Payment and Settlement 3.1 For a Spot transaction the Client agrees to pay, on the settlement date that CFX requires, the full amount specified by CFX on the contract note as full payment for the contract. CFX reserves the right to charge administration fees for funds received after the settlement date. Such funds will be subject to interest charged at 10 per annum above the standard base rate published by Lloyds Bank from time to time or the maximum amount permitted by applicable law (if less) or 20 a day, whichever is greater and an administration fee of 50 per Order. 3.2 For a Forward transaction, the Client will immediately pay an initial amount in cleared funds of a minimum of 10 of the full amount of the Order ( Margin ) and shall pay any outstanding balance of the Order not later than two days before the Value Date of the contract. 3.3 If the foreign exchange market moves unfavourably CFX may require the Client to provide a greater Margin for forward contracts to maintain the value of the initial percentage of the Order. Such funds shall be paid by the Client on demand. 3.4 The Client shall not be entitled to any interest on any Margin or any other funds held on its behalf by CFX. 3.5 CFX may deduct from any payments to be made to or on behalf of the Client such amounts as may be required by law or as may be charged by CFX in respect of transfer or other charges owed to CFX. Refer to Clause 8 for charges on fund transfers. All payments due from the Client to CFX under these terms shall be made without any deduction, counter-claim or withholding whatsoever. 3.6 The Client agrees and represents that all funds to be paid by the Client in respect of any Order will be legally and beneficially owned by the Client in full and will not be subject to any charge or lien or other encumbrance of any kind. 3.7 All funds provided by the Client under these Terms (whether as Margin or otherwise) may be used by CFX in the performance of its own obligations to any counterparty of CFX or otherwise. 3.8 Unless otherwise instructed by you, CFX will send your funds once the order has been settled and you have provided us with the beneficiary details. Further terms for the transmission of your funds exist under Clause 8. 4. Client Money Protection 4.1 CFX offers client money protection if the client sends money to CFX prior to a transaction taking place or if CFX is explicitly requested by the client to hold money for them after a transaction has been completed. 4.2 CFX holds all client money in accordance with the Financial Conduct Authoritys (FCA) Client Money rules. This means it holds clients money separately from the firms money in a designated Client Trust Account in an EU regulated credit institution. This arrangement is designed to ensure that client money is not a risk in the unlikely event of CFX getting into financial difficulties. 4.3 Client money held by CFX for investment products regulated under FSMA is also covered by the Financial Services Compensation Scheme (FSCS). Private investors (which includes small companies) are covered by the scheme up to a limit of 48,000 being 100 of the first 30,000 and 90 of the next 20,000. Further details of the compensation scheme are available from the FSCS website fscs. org. uk. For clarification, neither Foreign Exchange nor Payment Services are regulated investment products so do not fall under the FSCS. 5. Limitation of Liability 5.1 CFX agrees to perform its obligations with reasonable care and skill but providing it does so, CFX shall not be liable to the Client or any third party for any damages, costs, expenses, taxes, liabilities or losses resulting from the failure of CFX to execute any Order in accordance with the instructions of the Client. 5.2 Time shall not be of the essence for the processing of any Order, except that time shall be of the essence in relation to any obligation of the Client to make payments hereunder. In particular, CFX accepts no responsibility for any delay in onward payment attributable to the late arrival of funds or instruction for payment relative to the cut off times of the designated bank. 5.3 The Client shall indemnify and keep CFX indemnified against all damages, costs, expenses, taxes, liabilities or losses of any nature suffered by CFX through the failure of the Client to observe any Terms in respect of any Order agreed with CFX. The Client shall indemnify and keep CFX indemnified against all liabilities incurred by CFX in the proper performance of its services or any Order, including any liabilities incurred by CFX as a result of CFX performing actions to perform Client instructions (or acting on Orders which reasonably appear to CFX to be from the Client or its authorised representative). 5.4 The Client shall keep all passwords and authorisations issued to it by CFX confidential and secure and CFX shall be entitled to rely on all instructions or Orders received by it using those passwords and authorisations as if they were received from the Client, without conducting any further checks as to the identity of the person making the instruction or Order. 5.5 CFX shall not be liable for any fees or commissions charged by any intermediary bank or other entity when funds are transferred either to or from CFXs or Clients account. 5.6 The limitations of liability in these Terms are agreed by the parties on the basis that the Client is aware of the volatility of the foreign currency markets. 5.7 CFX reserves the right to defer the date of settlement of an Order (but not outward payments - please see Clause 8) without liability to the Client if it is prevented from or delayed in the carrying on of its business due to the circumstances beyond its reasonable control including, without limitation, acts of God, governmental actions, war or national emergency, acts of terrorism, protests, riot, civil commotion, fire, explosion, flood, epidemic, lock-outs, strikes or other labour disputes, technical problems or restraints or delays affecting carriers or inability or delay in obtaining supplies of adequate or suitable currency, provided that, if the event in question continues for a continuous period in excess of 30 days, the Client shall be entitled to give notice in writing to CFX to terminate the Order. 5.8 Neither party shall be liable to the other party in contract, tort, negligence, breach of statutory duty or otherwise for any loss, damage, costs or expenses of any nature whatsoever incurred or suffered by that other party of an indirect or consequential nature, including without limitation any loss of profits, business or goodwill, anticipated savings, loss caused by any third party, even if such loss was reasonably foreseeable. 5.9 Subject to clause 5.10, CFXs liability under or in connection with any and all Orders, whether arising in contract, tort, negligence, breach of statutory duty or otherwise, shall not exceed 50,000 (fifty thousand pounds sterling) in aggregate. 5.10 CFX does not purport to limit its liability for death or personal injury or fraudulent misrepresentation. 5.11 The limitations of liability in this clause 4 shall be construed and applied in accordance with clause 8.4 and the failure or unenforceability of any provision shall not affect the enforceability of the remaining provisions of this clause 4. 6. Default 6.1 CFX reserves the right to close out or terminate all or part of any Orders if: I) the Client fails to make a payment for an Order when due and in accordance with the terms or II) the Client goes into liquidation or commits any act of insolvency as defined by the Companies Act 1985 as amended or III) any other breach by the Client under these Terms or IV) CFX is requested to do so by any regulatory body or considers it desirable or necessary to do so for its own protection or as required by law. 6.2 If the Client becomes aware of any event referred to in this clause, the Client shall give CFX notice of this immediately. 6.3 If the Client fails to comply with any of its obligations under these Terms, and without limitation to any other rights or remedies of CFX under these Terms, in the case or forward contracts, the Margin shall, at CFXs discretion, be forfeit to CFX. 6.4 Without limitation to any other rights and remedies CFX may have, if the Client wishes to alter or terminate the terms of an Order and CFX is willing to agree to this, the Client shall pay a minimum administration fee of 150 on each occasion and the Client shall be liable for any losses due to a change in the value of the contract through currency movement. Such charges are to be paid within 48 hours of CFXs consent to the alteration or termination. 7. Notices and Service 7.1 Documents may be sent by fax, email or post. Documents shall be sent to the last known address, email address or fax number given by each party from time to time. 8. Fund transfer and the Payment Services Regulations 8.1.1 CFX may accept your instructions for payment using any form of communication CFX considers to be appropriate including letter, fax, email or telephone. 8.1.2 CFX may decline to act on any communication, even if CFX has told you it will in general accept that type of instruction. CFX may do this in particular if it considers that there is doubt about the validity of the communication and it is in CFXs or your interest to query it with you. Subject to any legal or regulatory requirements which may apply, CFX will act upon any instruction, agreement or arrangement without enquiring about its purpose, or the circumstances in which it is given, or about the disposition of any proceeds. 8.1.3 The language of these Terms and Conditions shall be English and all information provided, made available and notified to you shall be in English. 8.1.4 You may be provided with a further copy of these Terms and Conditions upon request. 8.1.5 After a payment instruction is received from you, CFX shall provide to you as soon as reasonably practicable the following information: l) a reference enabling you to identify each payment transaction and, where appropriate, information relating to the payee ll) the amount of the payment transaction in the currency used for the payment instruction lll) the amount of any charges and transfer fees (if applicable) for the payment transaction payable by you lv) where applicable, the exchange rate used in the payment transaction by us and the amount of the payment transaction after that currency conversion and v) the date of receipt by us of your payment instruction. 8.1.6 If you require information on an individual payment transaction before sending us an instruction, please contact us. 8.1.7 We have an obligation to disclose certain payer details to intermediaries in accordance with Regulation EC 17812006 on information on the payer accompanying transfers of funds and you authorise us to do this. 8.2 Fees and Charges 8.2.1 These terms and conditions set out how, when and what we charge for the services we provide. Details of charges are also available from the customer service team or by writing to us. 8.2.2 In the event that we make any charges, you authorise us to deduct those charges from the money transferred before sending it. If we deduct any charges, we will notify you before we accept an Order from you and additionally give you details in the contract note we issue after an Order is accepted. Details will also be available on your online account (Caxton Secure). 8.3 Payment transactions 8.3.1 In order for a payment instruction from you to be properly remitted, you must provide us with the information or unique identifier which is necessary for the proper execution of the payment instruction. If this information is incorrect, it could result in the payment transaction being delayed or the funds transferred being lost. The information could comprise the payees bank sort code and account number or, where applicable, the payees SWIFT number, BIC number and IBAN number. 8.3.2 Unless otherwise instructed by you, we will remit your funds once the Order has been settled and you have provided us with the beneficiary details. We will take this as consent that you wish the funds to be transferred to the beneficiary account. Amendments to your instructions may give rise to additional charges (see 8.2.1) 8.3.3 We will execute payment instructions so that the amount to be transferred reaches the beneficiarys payment service provider no later than the end of the third business day (after 1 January 2012, the next business day) after settlement date of the Order. We must receive payment instructions before the cut-off time specified when your Order is accepted or we will deem the instruction to have been received on the next business day. Instructions received on days which are not business days for us will also be deemed to have been received on the next business day. 8.3.4 Once we receive your payment instruction, you cannot revoke it unless you inform us in writing that you withdraw your consent no later than the business day before the agreed day of transfer. 8.3.5 Where we receive a payment instruction from you for execution on a specific day, you agree that the time of receipt is deemed to be that specific day on which we are to execute the payment instruction. 8.3.6 It is your responsibility to ensure that the funds you pay to us are sufficient to make each and every payment transaction which you authorise us to make. We will not make any money transfer instructed by you unless you have paid to us sufficient funds first. 8.3.7 We have the right to refuse to accept a payment instruction or payment and to refuse to execute any payment transaction for any of the following reasons: l) any condition in these Terms and Conditions has not been satisfied ll) execution would be unlawful 8.3.8 If any payment instruction is declined you may contact us using the contact details set out in clause 1.1 of these Terms and Conditions or via our Website. If we have declined the payment instruction we will, where reasonably possible (and where we are not prevented from so doing by law or regulation) tell you why the payment instruction was declined at the earliest opportunity and in any event no later than the end of the third business day (after 1 January 2012, the next business day) after we received your instruction. If the reason for our declining the payment instruction was based on incorrect information, we will agree with you what needs to be done to correct that information. 8.3.9 You agree that we may retain funds received by us for your benefit until our security validation, verification and anti-money laundering procedures have been completed before you may instruct us to transfer them. 8.4 Liability and refunds 8.4.1 The extent of your liability for any losses you incur in respect of an unauthorised payment transaction: l) arising from the use of lost or stolen personalised security features or procedures agreed between us and you for your use in order to give us payment instructions, including (without limitation) an unauthorised payment transaction through any electronic communication, is a maximum of 50, or ll) where you have acted fraudulently or have with acted with gross negligence is the full amount of those losses. 8.4.2 You may be entitled to redress for an unauthorised or incorrectly executed payment transaction only if you notify us without undue delay on becoming aware of any unauthorised or incorrectly executed payment transaction, and in any event no later than 13 months after the debit date. 8.4.3 Where you initiate a payment instruction, we are responsible to you for the correct execution of the payment transaction unless the payees payment service provider received the amount of the payment transaction in accordance with the payment instruction execution times set out in clause 8.3.3 of these Terms. You may request that we make immediate efforts to trace the payment transaction and notify you of the outcome. 8.4.4 Where we are liable to you as payer under this clause 8.4.3 for a non-executed or defective payment transaction, we may without undue delay refund to you the amount of the non-executed or defective payment transaction. 8.4.5 Notwithstanding anything to the contrary in these Terms and Conditions, we shall not be liable to you if we are prevented, hindered or delayed from or in performing any of our obligations under these Terms and Conditions due to abnormal and unforeseeable circumstances beyond our control. 8.5 Modifications to Terms and Conditions Termination 8.5.1 We will notify you in writing at least 2 months before we make any change to these Terms and Conditions. You will be deemed to have accepted any such change if you do not notify us to the contrary before the date on which any such change comes into effect. However, if you choose not to accept any such change, our notice of the change shall be deemed to be notice of termination and our relationship pursuant to these Terms will terminate the day before any change comes into effect. 8.5.2 You may terminate our relationship under these Terms by giving us at least 1 months written notice. We shall not charge you for the termination of our relationship under these Terms after the expiry of 12 months from its commencement. We may terminate our relationship under these Terms by giving you at least 2 months written notice. Such termination will not release you from any liability in respect of any sums owing to us or from any previous liability for any act performed by us in accordance with instructions received from you. 8.6.1 We aim to provide the highest level of customer service possible. If you do experience a problem, we will always seek to resolve this as quickly and efficiently as possible. However, if you would like to make a complaint, please refer to our Complaints Policy for details of our internal process for dealing with complaints promptly and fairly. Our Complaints Policy is available on our Website or by contacting your account manager. 8.6.2 We will fully investigate any complaint and try to reach a satisfactory conclusion. Complaints may be recorded and monitored for our internal use we may submit an anonymous summary of complaints made to us during a particular period of time to our regulator. If you are not satisfied with our final response or if we have not concluded our investigation after 8 weeks, you may be able to refer your complaint to The Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Financial Ombudsmen Service (FOS) 9. General 9.1 Nothing in these Terms shall be deemed to create a partnership or joint venture or agency relationship between the parties or confer any right or benefit to any third party. 9.2 These Terms are the conditions in force at the date of this Agreement and shall not be superseded, or modified except with written consent by CFX. 9.3 No oral representation by CFX, its employees or agents shall be binding on CFX or shall form part of these Terms, and except as set out above all conditions, warranties or other terms implied by statute or common law are hereby excluded to the fullest extent permitted by law. 9.4 Should all or part of any of these Terms be deemed unenforceable or illegal, the remaining terms or parts thereof will nevertheless continue in force and effect to the fullest extent permitted by applicable law. 9.5 The Client warrants that it is acting as principal and has full legal capacity to agree to these Terms. 9.6 The Client agrees that CFX may carry out any check as to the Clients status and personnel and other checks as it deems fit. The Client agrees on its own behalf and duly authorised on behalf of its personnel that CFX can process personal data relating to individuals to provide services, process Orders, conduct relevant credit reference and other checks and use details for marketing purposes. Information may be disclosed to third parties including other CFX affiliates, service providers, credit reference agencies, regulators and others worldwide, including people in other countries without data protection laws, for the foregoing purposes. Marketing by CFX may take place by paper or electronic means, including email and telephone, unless the Client notifies CFX that it does not want to receive such marketing material. CFX shall not disclose information to third parties to enable them to market their own products and services. 9.7 Words shall have the meanings given to them in these Terms or if not defined, their usual meaning in the UK currency markets. Any dispute as to the meaning of any word shall be determined by an independent expert agreed by the parties, whose decision shall be final and binding on the parties. 9.8 The parties agree and consent to the recording of telephone conversations between the parties or their representatives without an automatic warning tone. The parties agree to the use of any such recordings as evidence in any dispute or anticipated dispute between the parties. 9.9 These Terms shall be governed by and construed in accordance with English law and subject to the jurisdiction of the English courts. The data provided on this site is for information purposes only. It does not constitute advice nor is it intended as a solicitation for funds or recommendation to trade. Caxton FX Ltd accepts no responsibility for any loss suffered or damages sustained through any act or omission taken as a result of any of the information herein copy 2017 Caxton FX Limited. Alle Rechte vorbehalten. Authorised and regulated by the Financial Conduct Authority for FSMA authorised business (FRN: 431844). The Electronic Money Regulations 2011 (FRN: 900663) for the issuing of electronic money and payment services. Registered with HM Revenue and Customs as a Money Service Business (reg no: 12149429). Registered in England and Wales (reg no: 04610337). Registered office: Portland House, Bressenden Place, London SW1E 5BH. Your Card is issued by Valitor hf. whose principal office is Dalshraun 3, 220 Hafnarfjordur, Iceland. Valitor hf. is authorised and regulated by the Icelandic Financial Services Authority as a credit institution (registered number 500683-0589) and is accordingly permitted to issue electronic money in the UK. Your Card is the property of Valitor hf. and is not transferable to anyone else. Valitor hf. is licensed as a Principal Member of MasterCard. Access your Currency Cards or International Payments account Log in to my Visa Currency Card Log in to my MasterCard Currency Card Caxton Account International Payments If you recently upgraded from FastPay click hereTerms 038 Conditions Last updated on May 25th, 2015 Terms amp Conditions The following describes the terms and conditions upon which Richfield Capital Ltd (Richfield) offers access to its Website to you the customer (you) and the use of its services (the Agreement). This Agreement describes the terms, conditions and risks applicable to your use of our services available under the domain of 24option (the Site). If you have any questions regarding this Agreement please contact Customer Support. You must read, agree with and accept all of the terms and conditions contained in this Agreement without modifications, which include those terms and conditions expressly set forth below and those incorporated by reference, before you may become a customer of Richfield Capital Ltd. By continuing to access or use the Site, you agree to follow the terms and conditions of this Agreement as they may apply to you. This Agreement is effective upon acceptance in registration for newly registering customers. If you do not agree to be bound by the terms and conditions of this Agreement, do not use or access our services, and inform us in writing immediately. This Agreement is made by and between Richfield Capital Ltd. and you. This Agreement applies to both the Site and trading platform, as well as to the electronic content and or software currently contained on the Site that supplies the customer with real time information about the exchange rate of some currencies, as well as with the program facilities for executing trading transactions in the foreign exchange market via the web, phone or fax, and any other features, content or services that Richfield Capital Ltd. may add in the future (the Services). The Services are available to and may only be used by individuals or companies who can form legally binding contracts under the law applicable to their country of residence. Without limiting the foregoing, our Services are not available to persons under the age of 18 or otherwise under legal age (Minors). If you are a Minor, you may not use this service. IF YOU DO NOT QUALIFY, PLEASE DO NOT USE OUR SITE. For avoidance of doubt, we shall not be responsible for any unauthorized use by Minors of our Services in any way or manner. Richfield Capital Ltd. do not accept customers within the united states region. Furthermore, our Services are available only to, and may only be used by individuals who have sufficient experience and knowledge in financial matters to be capable of evaluating the merits and risks of acquiring financial contracts via this Site and have done so without relying on any information contained in this Site. You shall bear sole responsibility for any decision made andor to be made by you relying on the content of the Site. Without derogating from the above provision, we shall not be responsible for verifying andor checking whether you possess such sufficient knowledge andor experience, nor shall we be responsible for any damage andor loss incurred by you due to andor related to the Site, transactions carried out by you andor your use of the Services. Without limiting the foregoing, our Services are not available where they are illegal to use, and Richfield Capital Ltd. reserves the right to refuse andor cancel Services to anyone at its own discretion. Registration Information and Requirements When you register for the service, Richfield Capital Ltd. will ask you to provide certain identifying information. You are responsible for securing your Username and Password for your account with Richfield Capital Ltd. You hold sole responsibility for any damage caused due to any act or omission by you causing inappropriate or irregular use of your account. You agree to provide true, accurate, current and complete information about yourself during the registration process, and you also agree not to impersonate any person or entity, misrepresent any affiliation with another person, entity or association, use false headers or otherwise conceal your identity from Richfield Capital Ltd. for any purpose. If you are registering as or for a business entity, you hereby declare that you have the authority to bind that entity to this Agreement. Richfield Capital Ltd. will treat with care the information you entrust to it, in accordance with the disclosures it provides during the registration process and in its Privacy Policy. Without limiting the foregoing, you understand that laws regarding financial contracts vary throughout the world, and it is your obligation alone to ensure that you fully comply with any law, regulation or directive, relevant to your country of residency with regards to the use of the Site, 24option. For avoidance of doubt, the ability to access our Site does not necessarily mean that our Services, andor your activities through it, are legal under the laws, regulations or directives relevant to your country of residency. You hereby declare that the moneys invested in your account with Richfield Capital Ltd. do not originate from drug trafficking, abduction, or any other criminal or illegal activity. Richfield Capital Ltd. grants you a non-exclusive, non-transferable and limited personal license to access and use the Site (the License). The License is conditioned on your continued compliance with the terms and conditions of this Agreement. You agree not to resell or permit access of the Site to others, and not to copy any materials appearing on the Site for resale or for any other purpose to others without the prior written consent of Richfield Capital Ltd.. For avoidance of doubt, you shall be responsible and bound by any unauthorized use of the Site, made in breach of this section. You agree to use the information received from the information systems of Richfield Capital Ltd. for the sole purpose of executing transactions inside and within the Site. You further agree not to use any electronic communication feature of a Service on the Site for any purpose that is unlawful, tortuous, abusive, intrusive on anothers privacy, harassing, libelous, defamatory, embarrassing, obscene, threatening or hateful. The License granted under this Agreement will terminate if Richfield Capital Ltd. believes that any information provided by you, including your e-mail address, is no longer current or accurate, or if you fail to otherwise comply with any term or condition of this Agreement and all rules and guidelines for each service or Richfield Capital Ltd. establishes that you have abused in any way (including but not limited to engaging in a transaction out of market rates) the Richfield Capital Ltd. trading platform. Upon such violation, you agree to cease accessing Services. You agree that Richfield Capital Ltd. at its sole discretion and with or without notice, may terminate your access to any or all Services, close your open transaction and remove and discard any information or content within a Service. You agree to use the Site at your own risk. Without limiting the foregoing, the Services contained within this Site are suitable only for customers who are able to bear the loss of all the money they invest, and who understand the risks and have experience in taking risks involved in financial markets. Die Möglichkeit besteht, dass Sie einen Verlust von einigen oder allen Ihrer anfänglichen Investition zu erhalten und daher sollten Sie nicht Geld investieren, die Sie nicht leisten können, zu verlieren. You should be aware of all the risks associated with digital options trading, and seek advice from an independent financial advisor if you have any doubts. Richfield Capital Ltd. may make available to you through one or more of its Services a broad range of financial information that is generated internally or obtained from agents, vendors or partners (Third Party Providers). This includes, but is not limited to, financial market data, quotes, news, analyst opinions and research reports, graphs or data (Financial Information). Financial Information provided on this Site is not intended as investment advice. Richfield Capital Ltd. does not endorse or approve the Financial Information, and we make it available to you only as a service for your own convenience. Richfield Capital Ltd. and its Third Party Providers do not guarantee the accuracy, timeliness, completeness or correct sequencing of the Financial Information, or warrant any results from your use or reliance on the Financial Information. Financial Information may quickly become unreliable for various reasons including, for example, changes in market conditions or economic circumstances. Neither Richfield Capital Ltd. nor the Third Party Providers are obligated to update any information or opinions contained in any Financial Information, and we may discontinue offering Financial Information at any time without notice. It is your duty to verify the reliability of the information on the Site and its suitability to your needs. We exclude any liability for any claim, loss or damage of any kind allegedly caused by information presented on the Site or referred to by the Site. Richfield Capital Ltd. may provide a link to other sites that are controlled or offered by third parties. Such link to a site or sites is not an endorsement, authorization, sponsorship or affiliation with respect to such site, its owners or its providers. Richfield Capital Ltd. cautions you to ensure that you understand the risks involved in using such sites before retrieving, using, relying upon or purchasing anything via the Internet. Links to these Websites are provided solely for your convenience, and you agree that under no circumstances will you hold Richfield Capital Ltd. liable for any loss or damage caused by use of or reliance on any content, goods or services available on other sites. Cancelation of trades or suspension of account of trading activities Richfield Capital Ltd. reserves the right to suspend the operation of this site or sections thereof under the following circumstances: 10.1.When, as a result of political, economic, military or monetary events (including unusual market volatility or illiquidity) or any circumstances outside the control, responsibility and power of Richfield Capital Ltd. services, the continued operation of this site or the Trading Platform shall not be reasonably practicable without materially and adversely affecting and prejudicing your interests or Richfield Capital Ltd. or if, in the sole discretion of Richfield Capital Ltd. services, a price cannot be calculated for financial betting contracts or 10.2. When there is a breakdown in the means of communication normally employed in determining the price or value of any of the financial betting contracts or where the price or value of any of the financial betting contracts cannot be promptly or accurately ascertained or 10.3. When Richfield Capital Ltd. has reason to suspect that the Trading Platform was abused by you or that you have used some means in order to affect or manipulate the Trading Platform in general or the price of a specific Contract in particular. Richfield Capital Ltd. can and will terminate and or cancel transaction or reverse those trades that it finds were manipulated or employed fraudulent means. If fraud is suspected, Richfield Capital Ltd. will temporarily suspend the account and freeze all assets and trades and will take up to 90 days to review the trades. If fraud or manipulation is verified the account will be terminated and all assets will be frozen permanently. 10.4. Under such circumstances, other than in the case of abuse or manipulation of the Trading Platform, Richfield Capital Ltd. may at its sole discretion (with or without notice) close out your open financial betting contracts at prices it considers fair and reasonable at such a time and no claims may be entertained against Richfield Capital Ltd. in connection thereto. In case of abuse or manipulation of the Trading Platform, Richfield Capital Ltd. may at its sole discretion take any measures it deems fit and appropriate under the said circumstances. 10.5. You understand that the trading facilities provided by the Trading Platform, may be halted or suspended at any time without a prior notice due to circumstances beyond the control of Richfield Capital Ltd. In such an event, Richfield Capital Ltd. or an authorized party on its behalf may close any open positions you may have (by performing a Reverse Transaction) without prior written notice being sent to you, at fair market value reflecting, as closely as possible, the applicable prices of the relevant Contracts. You hereby waive any claims of indemnification suits causes of action against Richfield Capital Ltd. in such an event and acknowledge that such waiver is a pre-condition to the validity of this Agreement. 10.6. Richfield Capital Ltd. reserves the right, provided a prior written notice to this effect has been sent to you, to cancel any Transaction that due to a Trading Platform andor human error, whether under the control of Richfield Capital Ltd. or not, has been execute at a price which at the time of the Transaction was not the indicative andor accurate price of that said Financial Contract created by the transaction. 10.7. If clients account remains inactive for 6 months from the day it was opened, from the moment this regulation was update on the website or for any other consecutive period of 6 months, the company will be entitled to charge a monthly management fee of 50 USD. The moment the client resumes trading activity andor decides to close the account, management fee will be proportional to the amount of the time the account was not active. We undertake to supply steady Services on the Site. However, we assume no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, the Site or Services. We are not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, hardware, software, failure due to technical problems or traffic congestion on the Internet or on any of the Site or Services. To the maximum extent permitted by applicable law, under no circumstances shall we be responsible for any loss or damage resulting from use of the Site or Services, from any content posted on or through the Site or Services, or from the conduct of any users of the Site or Services, whether online or offline. IN NO EVENT SHALL RICHFIELD CAPITAL LTD. OR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR SERVICES, INCLUDING BUT NOT LIMITED TO THE QUALITY, ACCURACY, OR UTILITY OF THE INFORMATION PROVIDED AS PART OF OR THROUGH THE SITE OR FOR ANY INVESTMENT DECISIONS MADE ON THE BASIS OF SUCH INFORMATION, WHETHER THE DAMAGES ARE FORESEEABLE AND WHETHER OR NOT RICHFIELD CAPITAL LTD. HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION AND IN NO EVENT SHALL RICHFIELD CAPITAL LTD. S CUMULATIVE LIABILITY TO YOU EXCEED THE AMOUNT OF MONEY YOU TRANSFERRED OR DEPOSITED IN YOUR ACCOUNT ON THE SITE IN RELATION TO THE TRANSACTION GIVING RISE TO SUCH LIABILITY. No person shall abuse this site for the purpose of money laundering. Richfield Capital Ltd. employs best-practice anti-money laundering (AML) procedures. Richfield Capital Ltd. reserves the right to refuse to do business with, to discontinue to do business with, and to reverse the transactions of, customers who do not accept or conform to the following AML requirements and policies: Live traders must provide all requested information upon registration. Winnings will only be paid to the individual who initially registered to open a live account. When a customer maintains an account by means of telegraphic deposits, winnings will only be distributed to the holder of the originating bank account. When making deposits in this manner, it is the responsibility of the live trader to ensure that the traders account number and registered name of the account owner accompany all transfers to Richfield Capital Ltd. When a customer funds an account by means of creditdebit card deposits, winnings will only be distributed to the individual whose name appears on the card used to make the deposit and only be paid back to the same card Only one account is allowed per person. No winnings may be collected on accounts opened in false names or on multiple accounts opened by the same person. Richfield Capital Ltd. may, from time to time, at its sole discretion, require a customer to provide additional proof of identity such as notarized copy of passport or other means of identity verification as it deems required under the circumstances and may at its sole discretion suspend an account until such proof has been provided to its satisfaction All content, trademarks, services marks, trade names, logos and icons are the property of Richfield Capital Ltd. or its affiliates or agents and are protected by copyright laws and international treaties and provisions. You agree not to delete any copyright notices or other indications of protected intellectual property rights from materials that you print or download from the Site. You will not obtain any intellectual property rights in, or any right or license to use such materials or the Site, other than as set out in this Agreement. Images displayed on the Site are either the property of Richfield Capital Ltd. or used with permission. You agree not to upload, post, reproduce or distribute any information, software or other material protected by copyright or any other intellectual property right (as well as rights of publicity and privacy) without first obtaining the permission of the owner of such rights and the prior written consent of Richfield Capital Ltd. You agree to defend and indemnify Richfield Capital Ltd. and its officers, directors, employees, and agents and to hold them harmless from and against any and all claims, liabilities, damages, losses, and expenses, including without limitation reasonable attorneys fees and costs, arising out of or in any way connected with (i) your access to or use of the Site or Services (ii) your violation of any of the terms of this Agreement or (iii) your breach of any applicable laws or regulations. The term of the Agreement shall be unlimited however Richfield Capital Ltd. will be allowed to terminate this Agreement at any time by notice to you. As of termination, you shall not be able to carry out new transactions. This Agreement shall be governed by and interpreted in accordance with the laws of Belize excluding that body of law pertaining to conflict of laws. Any legal action or proceeding arising under this Agreement will be brought exclusively in courts located in Belize, and the parties hereby irrevocably consent to the personal jurisdiction and venue therein. Richfield Capital Ltd. will not be liable in any way to any persons in the event of force majeure, or for the act of any government or legal authority. In the event that any provision in this Agreement is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. The failure of a party to enforce any right or provision of this Agreement will not be deemed a waiver of such right or provision. Richfield Capital Ltd. may assign this Agreement or any rights andor obligations hereunder without your consent. 24option is a brand owned and operated by RICHFIELD CAPITAL LIMITED. RICHFIELD CAPITAL LIMITED (NO. 156,881) is regulated by the International Financial Services Commission of Belize. Trader must be at age 18 and above in order to trade. Richfield Capital Ltd. may amend the terms of this Agreement from time to time by posting the amended terms on the Site. You are responsible for checking whether the Agreement was amended. Any amendment shall come into force as of the day it was published on the Site. If you do not agree to be bound by the changes to the terms and conditions of this Agreement, do not use or access our Services, and inform us in writing immediately. Wonderbridge services Limited, Tassou Papadopoulou 6 Office 22, Nicosia, Cyprus is a subsidiary of Richfield Capital Limited, No.5 Cork street, P. O. Box 1708, Belize City, Belize with IFSC license number IFSC60440TS15-16. Electronic Communication By registering with 24option you agree to our terms and conditions for electronic communication, including email. You agree to accept ( opt-in ) to accept electronic communication from Richfield Capital Ltd. and our affiliates and third-parties communicating on behalf of Richfield Capital Ltd. Richfield Capital Ltd. does not sell, or share your information. Affiliates or Third parties will only be provided your email address and only to contact you for 24option and Richfield Capital Ltd. will approve and control this communication. You may opt-out at any time by sending an email to email160protected or clicking on the remove me from future mail that will be present on all email communications. If you opt out, Richfield Capital Ltd. will have no way to contact you, as all of our communications are electronic. Richfield Capital Ltd. assured you will not be sent emails that are not important, newsworthy, or pertain to your account. If you have any questions please contact your Account Manager for clarification. 18. Cancellation of transactions The Company has the right to cancel a transaction if it has adequate reasons evidence to believe that one of the following has incurred: Fraud illegal actions led to the transaction, b. Orders placed on prices that have been displayed as a result of system errors or systems malfunctions either of those of the Company or of its third party service providers. C. The Company has not acted upon Clients instructions. D. The Transaction has been performed in violation to the provisions of this Agreement. Cancel Feature Abuse Richfield Capital Ltd. offers a special cancellation feature that allows traders to cancel a trade within a few seconds of execution. Abuse of the cancelation feature can be considered market arbitrage and can result in forfeiture of profits. Richfield Capital Ltd. reserves the right to cancel a position if the cancellation feature is abused. The acceptable cancellation percentage cannot exceed 20 of the total number of executed trades. Cancelling more than 20 of the total number of executed trades is considered abuse of this feature and resulting profits may be forfeited from such abuse. Richfield Capital Ltd. offers a number of attractive reward features including welcome bonuses, contests and award to our new and current customers on its site, 24option. Bonuses and onetime trading credits rewarded to clients are part of Richfield Capital Ltd. s promotions program. These bonuses are limited time offers and the terms and conditions associated with any bonus rewards are subject to change. To learn more about rewarding bonus and promotional offers please contact us via 24options live chat, phone or email. Any promotion offered is good for a one week cycle, unless otherwise designated or dated. All promotions offered by email are offered under our terms and conditions specified herein or noted on the promotional email. By accepted the terms and condition when registering with Richfield Capital Ltd. you accept and understand that these promotions are limited, and have no actual value except while in your account. Whether noted by your account manager, written into the emails or promotional literature they are covered by these terms and conditions. Richfield Capital Ltd. Withdrawal Policy and Bonus Redemption In order to redeem their bonus credits customers are first obligated to meet a volume requirement on their account which the payment of bonus credits is conditioned upon. The general volume requirement on the customers account requires that a customer wager a total account volume which will be up to fifty (50) times the value of the qualifying deposit upon which the bonus credit was made. This condition is calculated from the point at which the bonus credit is first given. If a customer receives multiple bonus credits, the volume requirement is calculated one bonus credit at a time, from the earliest to the most recent bonus issued to the account. It is calculated based on the turnover at the time the bonus was issued. Any account withdrawals made by customers prior to the redemption of their bonus credits will result in the waiving of their entitlement to the bonus credit and the immediate withdrawal of the credit from their account. All bonus deposits are subject to withdrawal grace periods. If you have withdrawn funds within 30 days prior the promotion. The amount of the deposit made for the B promotion bonus award, will be reduced by the withdrawal amount. It is advisable to send an email to email160protected if you have any questions about bonus and awards. Please make sure you ask in writing before participating in any promotions. At no time can a customerclient receive an award or bonus and instantly close their account. Bonus and promotion are incentives for a client to make continued trades. Once a client accepts a bonus or award, they agree to keep their account active for a minimum of 90 additional days and to reach the volume level as specified above. The date of any promotion will be considered the date on the email sent to you and logged in our computers. All bonus money will be processed as quickly as possible. We will always try to award the bonus within 24 hours on banking days and when possible. Sometimes, it just is not feasible. All bonus will be awarded at the end of the promotion cycle and at the close of the trade. Richfield Capital Ltd. will not be held responsible or accountable for a delay in the award of a promotion or bonus. All promotions, bonuses, awards and other advertising specials have limitations. If limits are not printed on the promotion they are covered by the policy below. The maximum award incentive is not to exceed USD 10,000.00 in a calendar year. The maximum award incentive per promotion is not to exceed USD 5,000.00 unless otherwise specified or agreed upon. The maximum award based on trades shall not exceed the average of the clients trades in the last 90 days. At no time will any award or bonus or incentive exceed the total amount of real funds deposited by a client in a year cycle from the date of their first deposit. If you want to mischarge the bonus contract, you must give up the bonus and carry a fine of up to 30 of the deposit according administrative approval. Your Credit Card Will Be Debited With The Descriptor 24option 44 203 150 2799 We Recommend You To print Your Payment Details. TERMS amp CONDITIONS: These terms and conditions apply to the services available on the domain ukoptions (Site). Please feel free to use the Live Chat Customer Support button located on top right of the page or to contact us by e-mail at supportukoptions if you have a query. Our web site is accessible worldwide to anyone with Internet access. Access to and use of our site are subject to these terms and conditions. BY USING AND ACCESSING OUR SITE, YOU ACCEPT, WITHOUT LIMITATION, ALL OF THESE TERMS AND CONDITIONS. IN CASE OF ANY LEGAL DISPUTE, WE WILL REFER TO THE ENGLISH VERSION ONLY OF THESE TERMS AND CONDITIONS AS THE BINDING AGREEMENT. We reserve the right to change these Terms and Conditions at any time. Change of these Terms and Conditions will occur by the posting of a new and modified version of these Terms and Conditions on our website. By using our website, you agree in advance that each use will be subject to the then applicable Terms and Conditions. By using our web site you accept the Terms and Conditions and Privacy Statement set forth below. If you do not agree with these policies, discontinue using this website immediately. 2. Online Services Agreement This Agreement applies to both the Site and trading platform, and to the electronic content andor software currently contained on the Site that provides the customers, inter alia, with real-time information on financial instruments rates quotes, and the transactions execution program and services on the forex and other capital markets via internet, telephone or fax, and any other features, content or services that UK Options may add later (Services). 3. Membership Eligibility Services are available and reserved only for individuals or businesses that can establish a legally binding contract under the laws applicable in their country of residence with respect to the Services. Without limiting the undermentioned terms, our Services are not available to people aged under 18 or who have not attained the legal age (Minors). If you are a minor, you cannot use this service. PLEASE DO NOT USE THIS WEBSITE IF YOU ARE NOT QUALIFIED OR IF YOU ARE UNDERAGE. To avoid any doubt, we disclaim any liability for unauthorized use by unqualified individuals or minors of our Services in any manner or another. In addition, our Services are available only for people who have experience and sufficient knowledge in financial matters, able to evaluate the benefits and risks of acquiring financial contracts via this site. You are solely responsible for any decision andor action made by you based on the content of the Site. Without derogating from the above-mentioned provision, we disclaim any responsibility for auditing andor checking your level of knowledge andor experience, and any liability for damages andor loss suffered as a direct result andor indirectly from your use of the Site or Services. UK Options reserves the right to refuse andor cancel access to its Services to anyone at its sole convenience. 4. Registration Information and Requirements When registering, you will have to provide certain identifying information. You are responsible for the security of your accounts login and password with UK Options . You are solely responsible for any damage caused by reason of any act or omission resulting in improper or illegal use of your account. You agree to provide accurate and complete information about yourself during the registration process and you also agree not to impersonate another person or entity, and not to hide your identity from UK Options for any reason whatsoever. If you register as a commercial entity, you declare that you have the required authority to bind that entity to this Agreement. UK Options carefully treats the information you provide to us according to the disclosure of information provided during the registration process and privacy policy. 5. Legal Restrictions You acknowledge that you understand that laws regarding financial contracts vary throughout the world, and it is your responsibility to make sure you properly comply with any law, regulation or guideline in your country of residence regarding the use of the Site or Services. To avoid any doubt, the ability to access our Site does not necessarily mean that our Services andor your activities through the Site are legal under the laws, regulations or directives relevant to your country of residence. You hereby declare that the money in your account with UK Options does not come from illegal or criminal activity. UK Options grants you a limited non-exclusive, non-transferable license to access and use the Site and Services (License). The License is subject to your compliance with the terms of this Agreement. You agree not to resell or make available the License to any other person, and will not copy any documents contained on the Site for resale or for any other purpose without the prior written consent of UK Options . To avoid any doubt, you will be liable and bound by any unauthorized use of the License or Site in violation of this section. You agree to use all the information received from the information systems at UK Options for the sole purpose of performing transactions only in the limits of the Site. You also agree not to use electronic communication features of a Service on the Site for any illegal, abusive, intrusive, obscene, threatening or hateful purpose, as well as harassment and vilification in the privacy of others. The License granted hereunder shall terminate if UK Options considers that any information provided by you is false, or if you fail to comply with any term or condition of this Agreement and all rules and guidelines for each service. If such a violation occurs, you agree to cease accessing the Services. You agree that UK Options . in its sole discretion and with or without notice, may terminate your access to all or part of the Services, close any open transaction and remove and discard any information or content within a Service. The Company reserves the right to limit or set different parameters to the Client8217s account, such as size, available symbols, margin requirements etc. according to the Company8217s discretion from time to time. The Services are intended only to customers who are able to withstand the loss of any money they invest and who understand the risks and have experience in taking risks in financial markets. The possibility exists that you could endure a loss of some or all of your initial investment and hence you should not invest money that you cannot afford to lose. You should be aware of all the risks related to binary options trading and solicit advice from an independent financial advisor in case of doubts. 8. Financial Information Through one or more of its Services, UK Options can make available to you a wide range of financial information that is generated internally from agents, suppliers or partners (Third Party Providers).This includes, but is not limited to, financial market data, quotes and news, analyst opinions and research reports, graphs, data and the Strategy Advisor tool found on the website platform (Financial Information). The Financial Information provided on this Site is not intentional investment advice. UK Options offers Financial Information only as a service. UK Options and its Third Party Providers do not warrant the accuracy, timeliness, completeness or correct sequencing of the Financial Information, or results of your use of this Financial Information. The Financial Information may promptly become unreliable for various reasons, including, for instance, changes in market conditions or economic circumstances. Neither UK Options nor the Third Party Providers are required to update the information or opinions included in the Financial Information, and we can interrupt the flow of Financial Information at any time without notice. It is your responsibility to verify the reliability of the Financial Information on the Site and its suitability to your needs. We exclude all liability for any claim, damage or loss of any kind caused by Financial Information contained in the Site or referenced by the Site. Since the information is indicative, other similar service providers may provide different Financial Information. The Company does not provide tax advice and does not clear or withhold tax (unless it shall be instructed to do so by a competent authority) from the Clients account. It is the Clients ultimate and sole responsibility to report any applicable tax. UK Options may offer a link to other websites that are provided or controlled by third parties. Such links to a site or sites is neither an endorsement nor an approval nor a sponsorship nor an affiliation to such site, its owners or its suppliers. UK Options recommends you make sure you understand the risks associated with the use of such sites before retrieving, using or purchasing via the Internet. Links to these sites are provided solely for your convenience and you agree not to hold UK Options responsible for any loss or damage due to the use or reliance on any content, products or services available on other sites. 10. Account Termination UK Options reserves the right, at its sole discretion, to refuse or cancel services, andor refuse to distribute profits to any person for legitimate reasons, including, without limitation: o if UK Options has reason to believe that a persons activities on the Site may be illegal o if UK Options may be harmed by any fiscal or pecuniary damage due to anyones activities o if UK Options considers that one or more operations on the Site were made in violation of this Agreement. 11. Payment Procedure, Withdrawal amp Refund UK Options8217 finance department supervises every withdrawal request submitted. We will not process withdrawals within the first 30 days of an account being opened, although special requests may be considered. Please email financeukoptions with such requests. To be eligible to make a withdrawal, you must first supply full compliance documentation. The minimum withdrawal amount is 100 USD or its equivalent in your chosen currency. There is no fee for withdrawal by credit card or the first withdrawal per month by wire transfer, but each additional withdrawal by wire transfer (starting from the second withdrawal in any given month) will be charged a fee of 25 USD. When a withdrawal request is submitted, UK Options may take up to 3 business days to process the request. When your application is approved, you may need to wait an additional 5 to 7 days before seeing the funds in your account. Note that to make any withdrawal, you must first have traded at the specified volume as required by the Bonuses stipulation (see section 12 below), if applicable to your account. If you have failed to trade at the required volume, your withdrawal will be immediately cancelled. Clients are entitled to withdraw any unused funds at any time provided such funds are not associated to any trading benefits. In any case where the client loses trading funds, there will be no refund for losses incurred, and the company cannot and will not be held responsible for such losses. In order to receive a withdrawal, it is the clients responsibility to ensure that all KYC documents have been presented and deemed acceptable by the compliance department. Provided the required documents are on file, we will process the request within 3 business days. Please allow a further 5-7 business days for fund to hit the designated account. UK Options provides attractive reward features to its new and regular clients. Bonuses, investment matches, deposit matches, gifts, risk-free trades, incentives and one-time trading credits (henceforth: Bonuses) are part of UK Options 8216 promotions program. These Bonuses are limited by time and other conditions which may be subject to change without written notice. Non-monetary Bonuses are attributed an actual or approximate cash worth and are subject to the same terms and conditions as regular cash Bonuses. Following the receipt of any Bonus, to withdraw the Bonus or other funds from your account you will be required to perform a trading volume of at least 40 times the value of the Bonus received. The Bonus andor other funds can be withdrawn only when the foregoing stipulation has been fully respected and fulfilled. Any withdrawal of funds from an account made before completing these Bonus terms will be immediately cancelled. For clarification purposes, note that this paragraph applies to non-cash Bonuses as well. Forex trading will not be counted towards the target turnover of bonuses given to traders. 13. Fraud, Manipulation amp Cancellation UKOptions does not permit any manipulative, exploitative or any other trading activity conducted not in good faith towards the Company. Should UKOptions suspect any such suspicious or manipulative trading, it reserves the right to suspend the trading account, close open position(s) cancel trade(s) and deduct from the remaining balance any profits and benefits received, all without prejudice. Any indication of fraud, cash back arbitrage or other forms of deceptive or fraudulent activity will invalidate the account and any profits. The Company reserves the right, provided a prior written notice to this effect has been sent, to cancel any transaction that due to a system andor human error, whether under the control of the company or not, has been executed at a price which at the time of the transaction was not the indicative andor accurate price of that said Financial Contract created by the transaction. 14. Trade Cancel Feature UK Options offers a cancel feature to call off trades following execution. Access to this feature may be suspended for clients who cancel 20 or more of accumulated trades and, in case of such abuse, UK Options reserves the right to also suspend the offenders account. 15. Dormant Accounts In cases where an account has had no activity (tradingwithdrawalsdeposits) for a minimum of 3 months, UK Options will consider the account dormant and will charge a monthly maintenance fee of US99 (or the equivalent upon account currency). If there is less than US99 (or the equivalent upon account currency) in the account, the fine will be charged against the full value available in the account. If the accounts balance is empty, UK Options reserves the right to close the said account. UK Options is entitled to charge fees for Services provided and as compensation for expenses incurred. The Company reserves the right to modify the amounts and percentage rates of its fees. Clients will be notified of such changes via the Companys website. In the event that you wish to cancel or withdraw funds from your account without having traded on the platform, you will be charged a minimum handling fee of 10 of the requested withdrawal amount. The exact percentage fee will be determined at the Companys sole discretion but will not exceed of 20 of the investedwithdrawal amount. In the event that a client accepts a Bonus and requests to withdraw in contrary to the applicable Terms and Conditions, the withdrawal request will be reviewed by a special committee that will decide whether or not to approve the request. In case the request is wholly or partially approved, the withdrawal will be subject to a maximum handling fee of 30 of the balance (less the trading benefits and any gained profits). The exact percentage will be determined at the Companys sole discretion. 17. Limited Liability We are committed to ensure continuity of the Services on the Site. However, we assume no responsibility for any error, omission, deletion, interruption, delay, defect, in operation or transmission, communications line failure, theft or destruction or unauthorized access or alteration of the Site or Services. We decline responsibility for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, hardware or software, or any technical failure because of technical problems or traffic congestion on the Internet, the Site or any Service. To the extent permitted by applicable law, in no event shall we be liable for any loss or damage arising from use of the Site or Services for any content posted on or through the Site or Services, or the conduct of all users of the Site or Services, whether online or offline. IN NO EVENT UK OPTIONS OR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES OR AGENTS SHALL BE LIABLE FOR ANY DAMAGES WHATSOEVER TO YOU, INCLUDING, WITHOUT LIMITATION, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO THE USE OF THE SITE OR THE SERVICES, INCLUDING WITHOUT LIMITATION THE QUALITY OF THE USEFULNESS OF INFORMATION PROVIDED THROUGH OR AS PART OF THE SITE OR ANY INVESTMENT DECISION MAKING ON THE BASIS OF THE INFORMATION, WHETHER THE DAMAGES WERE PREDICTABLE OR NOT AND WHETHER OR NOT UK OPTIONS HAS BEEN ACQUAINTED WITH THE POSSIBILITY OF SUCH DAMAGES. LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION AND IN NO EVENT SHALL THE UK OPTIONS CUMULATIVE LIABILITY TO YOU EXCEED THE AMOUNT OF MONEY YOU TRANSFERRED OR DEPOSITED IN YOUR ACCOUNT ON THE SITE IN CONNECTION WITH THE TRANSACTION GIVING RISE TO SUCH LIABILITY. 3rd party software amp services UK Options will take no liability whatsoever for 3rd party software or services used on the UK Options trading platform. It is presumed that the end user conducts the necessary due diligence with respect to any 3rd party software or services used on the platform. And as such, any losses incurred using 3rd tools will have no implications on UK Options. UK Options does not recommend or warrant the performance of any said 3rd party software or services. The Client acknowledge that computer software may never be 100 error free and that UK Options shall not be liable to the result of the software performance or errors, including human errors Prohibited Uses: It is prohibited to abuse this Site for purposes of money laundering. UK Options employs best practice anti-money laundering. UK Options reserves the right to refuse and to terminate any business relationship, and to cancel any operation of customers who do not comply with the requirements of anti-money laundering: Online traders should provide all information required for registration. The earnings will be paid to the person who first registered for an account online. When a customer maintains an account through wire transfers, the gains will be distributed to the sole owner of the originating bank account. When you make deposits in this way, it is the responsibility of the live trader to ensure that the traders account number and the registered name of the account owner accompany every transfer to UK Options . When a fund is made using a credit card or debit card, the winnings will be distributed solely to the person whose name appears on the card used to make the deposit and will be reimbursed on the same card. Only one account is allowed per person. No gains can be levied on accounts opened under false names or multiple accounts opened by the same person. UK Options may, from time to time at its sole discretion, require from a customer to provide additional proof of identity such as notarized copy of passport or other means of identity verification as deemed necessary under the circumstances and may, at its sole discretion, suspend an account until the required proof is provided. 19. Intellectual Property Every content, trademark, service mark, trade name, logo and icon are the property of UK Options or its affiliates or agents and are protected by law and international treaties and provisions relating to copyright. You agree not to remove copyright notices or other indications of protected intellectual property rights of any material you print or download from the Site. You will not obtain intellectual property rights, or any right or license to use such material or the Site, other than those set forth herein. Images displayed on the Site are the property of UK Options . You agree not to upload, post, distribute or reproduce any information, software or other material protected by copyright or other intellectual property right (including rights of publicity and privacy) without first obtaining permission from the copyright owner and the prior written consent of UK Options . You agree to defend and indemnify our Company and its officers, directors, employees and agents and to hold them harmless from and against any and all claims, liabilities, damages, losses and expenses, including without limitation reasonable attorneys fees and costs, arising out of or in any way connected with your access to or use of the Site or Services your violation of any of the terms in this Agreement or your breach of any applicable laws or regulations. 21. Term and Termination The term of the Agreement shall be unlimited. However, our Company will be allowed to terminate this Agreement at any time by notice to you. As of termination, you shall not be able to carry out new transactions. We are committed to preserving the privacy of all visitors and users of this Site and the Services. Please read the following Privacy Policy to understand how we use and protect the information that you provide to us. We will only use your personal information in accordance with this Privacy Policy, and this statement will be reviewed from time to time to take into account new laws and technology, changes to our operations and practices and to ensure it remains appropriate to the changing environment. By using this Site, you consent to us using your personal information as set out below. There is certain information that we will require from you upon registering for your License. This information includes, but is not limited to, personal details such as name, address, date of birth, contact details, assets and liabilities, preferences and other necessary information. From time to time we may also request further information to help us improve our service to you. We obtain most of the information directly from our customers through applications or other forms, and from maintaining records of information provided in the course of ongoing customer service. We may also collect information about your use of the website, such as pages visited, frequency and duration of visits. We will only use personal information collected from you to provide you with the information and services requested and to improve the quality of our service. Unless detailed otherwise, your personal information is used at follows: o for establishing and managing your License o for reviewing your ongoing needs o for enhancing customer service and products o for providing you with ongoing information or opportunities that we believe may be relevant to you o for calculating and payment of third party service providers and affiliates, related to your engagement with the Company and the provisions of Services. The parties acknowledge that the expeditious and equitable settlement of disputes arising under this Agreement is to their mutual advantage. To that end, the parties agree to use their best efforts to resolve all differences of opinion and to settle all disputes through joint cooperation and consultation. Any dispute, alleged breach, interpretation, challenge or disagreement whatsoever arising out of this Agreement that the parties are unable to settle within sixty (60) days, as set forth in the preceding sentence, shall be resolved by final and binding arbitration before a single online arbitrator whose identity shall be mutually agreed by the Parties. Such arbitration shall be the exclusive remedy hereunder. The award of the arbitrator shall be final, and judgment upon the award rendered may be entered in any court, state or federal, having jurisdiction. The Company may have the right, in order to collect funds owed to the Company by yourself, or to protect any of its rights, to immediately bring legal proceedings against you, in your residency, without prior arbitration. Our company will not be liable in any way to any persons in the event of force majeure, or for the act of any government or legal authority. In the event that any provision in this Agreement is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. The failure of a party to enforce any right or provision of this Agreement will not be deemed a waiver of such right or provision. Our company may assign this Agreement or any rights andor obligations hereunder without your consent. Our company may amend the terms of this Agreement from time to time by posting the amended terms on the Site. You are responsible for checking whether the Agreement was amended. Any amendment shall come into force as of the day it was published on the Site. If you do not agree to be bound by the changes to the terms and conditions of this Agreement, do not use or access our Services, and inform us in writing immediately. UK Options is a subsidiary, owned and operated by Worldwide Tech Limited, Building A, Calea Floreasca 169 A, Bucharest, 014472, Romania. Copyright 2016 ukoptions 26. PSP8217s (Payment Service Providers): UK Options offers its clients a range of payment processing routes. Some of these routes may have processing limitations. 27. Inter Account Transfers: Transfer of funds between the accounts on the binary optionsforex platform are strictly forbidden. UK Options is a subsidiary, owned and operated by Worldwide Tech Limited, Building A, Calea Floreasca 169 A, Bucharest, 014472, Romania. Copyright 2016 ukoptions Benutzername oder Passwort falsch Wenn Sie ein registrierter Partner von UK Options sind Wenn Sie ein registrierter Partner von UK Options werden mchten Incorrect username or password If you are a registered UK Options affiliate If you would like to join our affiliate program