Euronet Payment Services Limited Terms & Conditions

PLEASE READ CAREFULLY. THIS IS PART OF A LEGALLY BINDING AGREEMENT THAT WILL AFFECT YOUR LEGAL RIGHTS.

1. Parties

The agreement is between you and EPS Payment Services Limited whose company registration number is 6975932 and whose registered office is 1st Floor Devonshire House, 1 Devonshire Street, London W1W 5DS (“EPS”) represented by any agent, based on the Grand Duchy of Luxembourg, duly authorised to act on behalf of EPS (“Agent”).

EPS is regulated by the Financial Services Authority (the “FSA”) of the United Kingdom and is entered into the FSA register with register number 504630.

2. Transfer Information

2.1 The money transfer (the “Transfer”) will normally be paid in cash but also, where available and if so directed by you, to a bank account (an “Account”).

2.2 A Transfer will normally be available for collection by the Beneficiary during the hours of operation at the selected Correspondent’s location. However, Transfers may be subject to delay due to availability, conditions in the destination country, or regulatory requirements. EPS makes no representation when the Transfer will be available for collection by the Beneficiary, except to the extent set out in Clause 2.4.

2.3 If you have directed delivery to an Account, EPS makes no representation as to when the bank maintaining the Account will credit the Account.

2.4 Where (i) a transaction is within the European Economic Area (“EEA”); or (ii) a transaction is in euro within Luxembourg, EPS will ensure, at the latest, that:

  • (a) a Transfer paid as cash will be available for collection by the Beneficiary; or
  • (b) a Transfer to an Account will be credited to the bank maintaining that Account,

at the end of the next three Business Days after the date of the transaction. Where a “Business Day” is a day on which the Correspondent providing the Service to you is open for business except weekends and bank holidays.

2.5 Any requests for transaction received by a Correspondent after 15:00 on a Business Day will be treated as requests received on the following Business Day.

2.6 The Transfer does not constitute a deposit or electronic money. Neither you nor the Beneficiary holds a payment account with EPS.

3. Transaction Limits

3.1 You may be required to present valid identification (“ID”) in order to complete the transaction. Furthermore, EPS and/or the Agent (acting on behalf of EPS) may also require you to present further documentation and/or provide further information in order to complete the transaction.

3.2 Notwithstanding Clause 3.1:

3.2.1 Where the total aggregate value of your transactions in any 30 day period exceeds €1,000.00 (including commission), you will be required to provide the Agent (acting on behalf of EPS) with an original form of valid ID.

3.2.2 Where the total aggregate value of your transactions in a calendar month exceeds €2,500.00 (including commission), you will be required to provide the Agent (acting on behalf of EPS) with an original form of valid ID.

3.2.3 Where a single transaction exceeds €1,000.00 (including commission), you will be required to provide the Agent (acting on behalf of EPS) with an original form of valid ID.

3.2.4 Where a single transaction exceeds €2,500.00 (including commission), you will be required to provide the Agent (acting on behalf of EPS) with an original form of valid ID and an explanation of the source of those funds.

3.2.5 Where a single transaction exceeds €3,000.00 (including commission) to a Latin-American country, you will be required to provide the Agent (acting on behalf of EPS) with an original form of valid ID, an explanation of the source of those funds and proof of the source of those funds.

3.2.6 Where a single transaction to any destination exceeds €5,000.00 (including commission), you will be required to provide the Agent (acting on behalf of EPS) with an original form of valid ID an explanation of the source of those funds and proof of the source of those funds.

4. Foreign Exchange

4.1 You may request that the Correspondent provides you with information on the currency or currencies available in the Beneficiary’s country.

4.2 In addition to the transaction fee applicable to the transaction where you request a currency conversion, the Agent (acting on behalf of EPS) will apply a currency exchange rate (the “Exchange Rate”) to convert the Transfer to the currency of the destination country as set out on the front of the Form.

4.3 Any monies arising from the difference (if any) between the Exchange Rate and the exchange rate received by the Agent (acting on behalf of EPS) will be kept by the Agent (acting on behalf of EPS) and/or its Correspondents.

4.4 If at the time of collection the Beneficiary requests that the Transfer is paid out in a different currency to the one specified by you, the Correspondent may charge an additional fee. This exchange is a separate transaction between the Beneficiary and the Correspondent and does not form part of the Service.

5. Refund Information

5.1 Unless payment to the Beneficiary has already been made, EPS shall, within 15 Business Days, refund to you the amount to be transferred less applicable fees and service charges on the condition that you provide EPS a copy of a valid receipt and present valid ID. A receipt is not valid unless the corresponding transaction is processed through EPS’s computerized system and contains the computer generated imprint of the Correspondent’s name and address, and the correct order number.

6. Liability

6.1 If an incorrectly executed transaction is made you must inform EPS on becoming aware of such a transaction and no later than 13 months after the date of the transaction otherwise EPS will not correct the transaction unless the information about the transaction was not provided or made available by EPS as required by law. You can inform EPS through its Customer Services whose contact details are set out in Clause 13.

6.2 If you provide EPS with incorrect information in the Form regarding the Beneficiary, EPS will not be liable for the non-execution or the defective execution of the transaction. However, EPS will make all reasonable efforts to recover the Transfer. EPS may charge you for the recovery of the Transfer.

6.3 Except as provided below, EPS shall not be liable for any amount in excess of the amount equal to the principal transfer amount and the fees paid by you. EPS accepts no liability for services delays or any failure to perform the transaction in accordance with your instructions due to local regulations or circumstances outside its control. EPS will not be liable for any indirect or consequential loss. EPS will not be responsible for goods and services that may be paid for by a Transfer.

6.4 Nothing in this Clause 6 will limit EPS’s liability for: (i) death or personal injury from its willful negligence; or (ii) fraud committed by EPS and/or the Agent (acting on behalf of EPS).

7. Data Protection

7.1 EPS will use the information provided by you to provide you with the Service and to manage its ongoing relationship with you. Consistent with this purpose EPS may transfer and store your personal information outside the EEA. EPS may share this information with its Affiliates and the Correspondents but will not share it with a third party except as required by law or as authorized by you. You have a right to request a copy of personal information that EPS holds about you and to require EPS correct any inaccuracies in that information.

7.2 EPS shall comply with the legal provisions of the Luxembourg law dated 2 August 2002 on data protection, as amended1.

8. Complaints

8.1 If you need to make a complaint relating to the Service please contact EPS’s Customer Services by telephone, post or email as set out in Clause 13.

8.2 If EPS is unable to resolve your complaint you may also complain to the Financial Ombudsman Services by post addressing your complaint to the Financial Ombudsman Services, South Quay Plaza, 183 Marsh Wall, London E14 9SR, by telephone on +44 (0)845 080 1800 or by email at enquires@financialombudsman. org.uk. The Financial Ombudsman Service’s website is www.financial-ombudsman.org.uk">www.financial-ombudsman.org.uk. Please note that the Financial Ombudsman Service has a multilingual capability for dealing with complaints.

9. Entire Agreement

9.1 Any defined words or phrases used in the T&C that are not defined here are defined in the Terms.

9.2 You agree that that the agreement includes only the Terms and the T&C and is the entire agreement and understanding between you and EPS and supersedes and terminates any prior agreement between you and EPS.

10. Rights of Third Parties

10.1 A person 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.

11. Severability

11.1 In the event any provision (or part provision) of the agreement (whether in the Terms or the 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 provisions of the agreement will not be affected.

12. Language, Governing Law & Jurisdiction

12.1 Where EPS provides you with a translation of the English version of the Terms or the T&C, you agree that the translation is only for your convenience. The English version of the Terms and the T&C will govern the provision of the Service by EPS to you.

12.2 The agreement is to be construed in accordance with the law of England and Wales and any dispute with respect to the agreement is to be subject to the nonexclusive jurisdiction of the English courts.

13. Contact Us

13.1 EPS’s Customer Services may be contacted by telephone on 00800 265 00 000 by post at Euronet Payment Services 1st Floor Devonshire House, 1 Devonshire Street, London W1W 5DS in the United Kingdom of Great Britain and Northern Ireland or by email at eurocs@riafinancial.com.

 

 





 

 
 
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