Terms and Conditions

1. General Introduction

• 1.1 Gabtrans operates a service that allows you to transfer money and make foreign currency payments internationally through our website www.gabtransuklimited.com and our mobile application (the "Service").
• 1.2 In the present Terms and Conditions the terms "Gabtrans" "we", "us", "our" refer to Gabtrans UK Ltd. together with its employees, directors, affiliates, successors
• 1.3 All references to 'you' or 'your' within these Terms and Conditions are deemed to refer to the User of our Service whether as Senders, Recipients, or visitors to our website or mobile application.
• 1.4 These Terms and Conditions are effective from the date on which you first access, register or use the Service. The Terms and Conditions may change from time to time,
• 1.5 Your use of the Site and Service (including accessing, browsing or registering to use the Site) confirms your unconditional agreement to be bound by these Terms and Conditions and is subject to your continued compliance with these Terms.
• 1.6 It is important that you understand that access and use of the Service is conditional on your acceptance of present Terms and Conditions.
• 1.7 We reserve the right to revise these Terms and Conditions at any time by amending this page without notice and your continued use of the Site after any such amendments are published on the Site will be considered acceptance by you of such amended Terms and Conditions. Updated Terms and Conditions will supersede all previous versions of the Terms and Conditions. Please check this page regularly to take notice of any changes we have made, as they are binding on you.

2. Information About Us

• 2.1 Gabtrans UK Ltd operates a website (the Website) and a mobile phone application that enables you to transfer money using a device connected to the Internet and/or a mobile phone.
• 1.2 In the present Terms and Conditions the terms 'Gabtrans' "we", "us", "our" refer to Gabtrans UK Ltd. together with its employees, directors, affiliates, successors
• 2.2 It is a company incorporated and licensed under the laws of the United Kingdom, (Company Number 07157397) engaged in the business of funds remittance with its Registered Office located at 332 New Cross Road,London UKE-mail Address is info@gabtransuklimited.comWebsite is www.gabstransuklimited.com
• 2.3 Gabtrans is regulated by the Financial Conduct Authority (FCA 541976) and HMRC:(07157397)

3. Confidentiality/ Privacy

• 3.1 As a fully regulated institution and with a purpose of providing the Service we are bound by the legal requirements to obtain, verify and record information about our customers. Therefore, we may request from you or consult any legal sources to obtain your personal data when offering the Service to you.
• 3.2 Your personal information will be treated and processed securely and strictly in accordance with applicable laws and regulations. We will not treat customer information as confidential where it is already public knowledge or where it becomes public knowledge through no fault of our own.
• 3.3 We may disclose customer information if we are required to do so by law, by court order, by any statutory, legal or regulatory requirement, by the police or any other competent authorities in connection with the prevention or detection of crime or to help combat fraud, money laundering and terrorism financing. We may also report suspicious activity to appropriate competent law enforcement or government authorities.

4. Eligibility and Your Access right

• 4.1 You must be at least eighteen (18) years old to access or use the Service as a Sender. You must be able to enter into legally binding contracts under applicable law, including local law in the jurisdiction in which you live.
• 4.2 Without prejudice to your rights in relation to any order for Services in relation to which we issued a Confirmation (in accordance with clause 7 below), we reserve the right, at any time, to terminate or suspend your access to the Service without prior notice if:
  
  You use the Service or attempt to use it for any Prohibited Purpose;You attempt to transfer or charge funds from an account that does not belong to you;We receive conflicting claims regarding ownership of or the right to withdraw funds from a debit or credit card account;
  You have provided us with false evidence of your identity or you keep failing in providing us with true, accurate, current and complete evidence of your identity or details regarding transactions;You attempt to tamper, hack, modify, overload, or otherwise corrupt or circumvent the security and/or functionality of the Website and/or the Application or to infect it with any Malicious Code;You are in breach of these Terms and Conditions;We have reason to believe that any of the foregoing has occurred or is likely to occur; orCompliance Officer has taken a discretionary decision to do so.

5. Our Obligation

• 5.1 Before your transaction is complete your will be provided with the following information:
  
  The amount the beneficiary will receive,
  The maximum total Fee that you will be charged,
  An exchange rate that we will apply to your transaction The amount the beneficiary will receive,
  The maximum total Fee that you will be charged,
  An exchange rate that we will apply to your transaction
• 5.2 We reserve the right to refuse to perform any of the Services (including after Confirmation) if:
  
  We are unable to obtain satisfactory evidence of your identity;
  You provide us with false, incorrect or incomplete information;
  We are unable to reach you via contact details provided by you;
  Your transfer order, information or documentation is not provided sufficiently in advance to allow us to process it in accordance to your request;
  You attempt to tamper, hack, modify, overload, or otherwise corrupt or circumvent the security and/or functionality of the Website and/or the Application or to infect it with any Malicious Code;
  You are in breach of these Terms and Conditions;You or the order you placed are in breach of any applicable laws or regulations or are made for a Prohibited Purpose;
  Processing the Service in accordance with your order may expose us to liability;
  We are unable to process your transfer due to variations in business hours, currency exchange or currency availability issuesWe have reason to believe that any of the foregoing has occurred or is likely to occur;
  or A Compliance Officer has taken a discretionary decision to do so.
• 5.3 We shall not be liable for any damages, costs or losses incurred by the Sender or the Recipient or any third party if, as a result of any of the circumstances referred to in clause 4.2 or 5.2 above, we fail to complete the transfer of funds in accordance with an order.

6. Information Provided After We Process A Transaction

• 6.1 After we process your transaction to the Recipient an e-mail will be sent to you with the following information:
  
  A transaction reference number,
  A confirmation of the exact amount we are sending to the Recipient on your behalf in both pay in and pay out currencies,
  A confirmation of the Fee that has been charged,
  An exchange rate applied to your transaction,
  A confirmation of the bank to which the money has been sent
  An estimated time when the money will be available to the Recipient.

7. Cancellations and refunds

• 7.1 If you exercise your right to cancel the order after you have already paid us the funds to be transferred:
  
  we will refund money paid by you and intended for a Recipient only under the condition that it has not already been paid out to the Recipient in accordance with your original instructions prior to the cancellation request; and
  we reserve the right to retain the Fees charged for the Service (and we may charge you with those Fees if they have not yet been paid)

8. Complaints

• 8.1 We value your feedback as it helps us improve our service. We have established internal procedures for complaints. You can make a complaint in writing to us regarding any aspect of the Service by mail or e-mail to the following addresses:
  Email: info@gabtransuklimited.com
  Address: 322 New Cross Road,London United Kingdom. SE14 6AG
• 8.2 We will investigate your complaint and come back to you with final response by the end of 5 business days after the day in which we received a complaint.