• 1.1 The agreement (comprising the payment order form (the “Order”) and these terms are conditions (“T&C”)) is between you and WATANDAR SERVICES LTD whose company registration number is 12452382 and whose registered office is situated at 129 Uxbridge Road, London, England, W7 3ST (HEREINAFTER we will use for WATANDAR SERVICES LTD “WATANDAR”, “we”, “our”, or “us”). WATANDAR is Small Payment Institution and regulated by Financial Conduct Authority (the “FCA”) of the UK under the Regulations as recorded on the FCA register under FRN: 934449.
• 1.2 Definitions not provided in these T&C are out in the Order.
• 1.3 You agree that your agreement with WATANDAR comprises the Order and these T&C, between you and WATANDAR.
• 1.4 The service. WATANDAR will provide you with the WATANDAR money transfer service (a money remittance service) (the “Service”) through its networks of authorized representatives (the “Correspondents”) to transfer funds (the “Transfer”) to your chosen recipient (the “Beneficiary”). You are required to inform the Beneficiary about the Transfer and the relevant details included in the Order.
• 1.5 Charges. The charges and fees you have agreed to pay in relation to the Transfer are set out in the order.
• 1.6 Full and accurate information. You confirm that you have provided WATANDAR with full and accurate information to the best of your knowledge as required for the purpose of the Service and / or requested by WATANDAR. You acknowledge that failure to provide full and accurate information may result in WATANDAR not carrying out the Transfer to the Beneficiary.

• 2.1 The Transfer will be paid to a Beneficiary in cash.
• 2.2 A Transfer will normally be available for collection by the Beneficiary during the hours of operation at the selected Correspondent’s location. The address and hours of operation of Correspondent’s locations in your or the Beneficiary’s area are available from WATANDAR Customer Services (contact details are set out in Clause 12). However, Transfer may be subject to delay due to availability of funds at the relevant Correspondent location, conditions in the Beneficiary’s destination country or regulatory requirements. WATANDAR makes no representation as to when the Transfer will be available for collection by the Beneficiary, except to the extent set out in (Clause 6).
• 2.3 The Transfer does not constitute a deposit or electronic money. Neither you not the Beneficiary holds a payment account with WATANDAR.
• 2.4 We may refuse to perform a Transfer at any time for any reason. Whether we refuse to perform a Transfer, unless it is unlawful for us to do so, we will tell you, and if possible, we will let you know our reason for refusal and if the refusal is due to any factual errors, we will tell you what these are and how to correct them. We will have no liability to you for failure to perform or incorrect performance of a Transfer where the reason for this was our refusal to proceed with that Transfer or any part of it.
• 2.5 Our total liability to you in connection with a Transfer is limited to the full amount of the Transfer together with any charges.

• You may be requested to present a valid identification (“ID”) in order to received the Services from WATANDAR and complete a Transfer. From time to time, WATANDAR may require you to present updated and/or further documentation and/or information in order to receive the Services from WATANDAR and complete a Transfer and enable WATANDAR to complete its anti-money laundering and compliance process. Failure to provide such information as WATANDAR may from time to time require from you (acting reasonably) and in all cases to WATANDAR’s reasonable satisfaction may result in WATANDAR not supplying Services or carrying out the Transfer(s).

• 4.1 You may request that Correspondent provides you with information on the currency/currencies available in the Beneficiary’s destination country.
• 4.2 In addition to the WATANDAR fees applicable to the Transfer, whether you requested a currency conversion WATANDAR will apply a currency exchange rate (the “Exchange Rate”) to convert the funds comprising the Transfer to the currency of the Beneficiary’s destination country as set out on the Order.
• 4.3 Any monies arising from the difference (if any0 between the Exchange Rate and the exchange rate received by WATANDAR will be kept by WATANDAR and/or its Correspondents.
• 4.4 If at the tie of collection of the Transfer the Beneficiary requests that the Transfer is paid out in a different currency to the one specified by and stated on the Order, the Correspondent may charge an additional fee. This exchange is a separate transaction under separate terms between the Beneficiary and the Correspondent and does not form part of the Service or your agreement with WATANDAR.

• 5.1 If you wish to cancel a Transfer, you must contact WATANDAR or the WATANDAR agent location where you placed the Transfer. Following such a cancellation request, and unless payment to the beneficiary has already been made (whether in cash or to the Account) WATANDAR shall, within 15 Business Days, refund to you the amount to be transferred pursuant to the Transfer and the fee for the Transfer less applicable fees s and service charges related to the cancellation (if any) on the condition that you provide WATANDAR with the copy of (i) the valid Order and (ii) present and valid ID. An Order shall only be valid if the corresponding transaction is processed through WATANDAR’s computerized system and contains the computer-generated imprint of the Correspondent’s name and address and the correct Order number. A Transfer may not be cancelled or refunded to you once the funds have been paid to the Beneficiary.
• 5.2 If a Transfer is not paid to a Beneficiary within 21 or 30 days (depending on the WATANDAR Correspondent involvement in the Transfer). WATANDAR will automatically cancel the Transfer and notify you accordingly. Thereafter, the funds comprising the Transfer will not be available for collection by the Beneficiary and will be held by WATANDAR on trust and you should contact WATANDAR to arrange collection.

This clause 6 (and its sub-clauses) explains certain important rights and obligations, including our liability to you, under the Regulation which apply to any Transfer governed by the Regulations which you ask us to perform for you. A Transfer will be governed by the Regulations where the Beneficiary is located within the European Economies Area (“EEA”) and it is carried out in either euro, sterling or a currency of another EEA states that has not adopted the euro as its currency. The EEA comprises all member states of the European Union, together with Norway Iceland and Lichtenstein.

• 6.1 Failure to perform or incorrect performance of Transfer
• 6.1.1 We may be liable to you under the Regulations where we fail to perform or incorrectly perform any Transfer that you authorized us to perform.
• 6.1.2 Where you believed we may have failed to perform or incorrectly performed such a Transfer, you should let us know as soon as possible and, if you request, we will make immediate efforts to investigate the matter and let you know the outcome of our investigation.
• 6.1.3 Subject to clause 2.7 and 6.1.4, where we have failed to perform or incorrectly performed such a Transfer, we will without undue delay make good and correct the error and deliver the amount of the unperformed or incorrectly performed Transfer.
• 6.1.4 You will not be entitled to the remedy mentioned in clause
• 6.1.3:
  (a) if you do not inform us notice in writing without undue delay (and in any event not later than 13 months after the date on which the incorrect Transfer was performed) on your becoming aware that failure by us to perform a Transfer authorized by you or incorrect performance by us of a Transfer authorized by you may have occurred; or
  (b) where we able to show that the authorized amount was received at the appropriate time by the person to whom you instructed us to send the funds; or
  (c) if the failure to perfume or incorrect performance was due to you providing us with incomplete or incorrect information or was otherwise due to your fault.
• 6.2 Where a Transfer is governed by the Regulations, WATANDAR will ensure that, at latest, a Transfer paid as cash will be available for collection by the Beneficiary or a Transfer to an Account will be credited to the bank maintaining that Account, by the end of the second Business Day after the date of the Transfer.

• 7.1 You agreed that:
  (i) WATANDAR may use information provided by you (for example, your name, address, e-mail address, telephone number, occupation, date of birth, and details of the Transfer (including the purpose) and Beneficiary) to provide you with the Service, for WATANDAR’s internal research and customer analysis and for WATANDAR’s legal, compliance and/or regulatory requirements objectives. This may for example to conduct compliance transaction analysis and monitoring (WATANDAR may hold and use that information to review transactions which are placed “on hold” as a result of WATANDAR’s compliance filters being triggered and that information may be passed to and reviewed by a third party as a result of those filters being triggered).
  (ii) If you have consented and you have not withdrawn your consent in accordance with clause 7.2 or 7.3, WATANDAR may use information provided by you to contact you in relation to our services and offers that we think are of interest to you.
  (iii) WATANDAR may provide the information provided by you to affiliated companies, Correspondents and/or third parties for the purpose set out in (i), which may involve transfer and /or storage of your information outside the EEA. For example, WATANDAR may transfer the information provided by you: (a) to the destination territory of the Beneficiary via the WATANDAR system to facilitate the Transfer and such information may be viewed and otherwise processed by the Correspondent to facilitate the Transfer; and (b) to WATANDAR affiliate storage database.
  (iv) In accordance with WATANDAR’s data retention policy information provided by you and held by WATANDAR may be held by WATANDAR for (5) years.
• 7.2 You may exercise your rights in relation to your information and withdraw your consents to contact you by email at any time by contacting WATANDAR’s Compliance Department at: watandarservicesltd@gmail.com
• 7.3 Once you authorized WATANDAR to contact you through the WATANDAR email service, this will remain active unless deactivated by you. WATANDAR may use the email Service to notify you of details related to the Service and the Transfer and/or for marketing purposes (for example details of our service that we think are of interest to you). You will be solely responsible for any third-party charges in relation to the WATANDARS email service. To deactivate the WATANDAR email service or email (enclosing a copy of your ID) or telephone WATANDAR Customer Services.
• 7.4 You confirm that you have requisite authority to give WATANDAR the personal data (for example, name, address and bank account details) of the Beneficiary to enable WATANDAR to facilitate the Transfer. This will include WATANDAR giving information to the relevant Correspondent (who may be located outside the EEA) for the purpose of the Transfer.

• 8.1 We value all our customers and take our obligation seriously. We have established internal procedures for investigating any complaint that may be made against us in relation to any Transfer. In accordance with our complaints procedure, any complaint you may make relating to any Transfer must be made or confirm to us in writing to WATANDAR’s Compliance Department at watandarservicesltd@gmail.com. If you are still dissatisfied following our response to any complaint. You may have a right to refer your complaint concerning the Transfer to the Financial Ombudsman Services (www.financial-ombudsman.org.uk, post: Financial Ombudsman Services, Exchange Tower, London, E14 9SR; telephone: 0800 023 4567; email: complaint.info@financial-ombudsman.org.uk. If you would like further details of our complaints policy relating to transfers please contact WATANDAR’s Customer Services.

• 9.1 A customer who is not a party to the agreement will not have any rights under the Contracts (rights of Third Parties) Act 1999 to enforce any provision of the agreement.

• 10.1 In the event any provision (or part provision) of agreement (whether in the Order or these T&C) is held by any court or authority of competent jurisdiction to be invalid, illegal or unenforceable that provision or part-provision will, to the extent required, be deemed not to form part of the agreement, and the validity and enforceability of the other provision of the agreement will not be affected.

• 11.1 Whether WATANDAR provides you with the translation of the English version of the Order or these T&C, you agree that the translation is only for your convenience. The English version of the Order and these T&C are the authoritative versions and will govern the provision of the Service by WATANDAR to you.
• 11.2 The agreement is to be construed in accordance with the law of English and Wales and any dispute with respect to the government is to be subject to the exclusive jurisdiction of the English courts.

12.1 WATANDAR Customer Services contact details are:
Address: 129 Uxbridge Road, London
England, W7 3ST United Kingdom
Telephone: +44203 44 11 551
Email: info@watandar.co.uk