General Terms and Conditions and Privacy Policy for using the online platform
Opening and operating of Account with A TO Z 4U LTD for Money Transfers.
Welcome to the website of A TO Z 4U LTD. The following terms and conditions (together withany documents referred to in them) represent a contract between you and A TO Z 4U LTD and apply to your use of our website
www.atoz4ultd.co.uk, including any content, functionality and services offered on or through our website for purposes of making an online money transfer payment to a designated recipient. A "money transfer" is defined as the transmission of funds to a designated recipient, pursuant to payment terms entered directly by you into the website. A "recipient" is defined as the individual designated by you as the receiver of the money transfer, who is acceptable to us, and who receives the money transfer at a designated paying agent location. A "paying agent" is defined as an entity, appointed by us, to pay out money transfer transactions in the destination country identified in your payment instructions. "Service charge" is defined as the fee charged by us in connection with the money transfer. In these Terms of Use, "you," "your," and "user" refer to the person giving this consent.
CONSUMER FRAUD ALERT: WIRING MONEY IS JUST LIKE SENDING CASH. PROTECT YOURSELF FROM FRAUD BY SENDING MONEY ONLY TO PERSONS YOU KNOW OR CAN OTHERWISE VERIFY TO BE TRUSTWORTHY. IF YOU BELIEVE YOU ARE THE VICTIM OF FRAUD OR A SCAM, PLEASE
CONTACT US IMMEDIATELY AT +44 20 843 47400 OR BY EMAIL AT info@atoz4ultd.co.uk AND CONTACT YOUR LOCAL LAW
ENFORCEMENT AUTHORITIES.
(1) Consent to use Electronic Records, Notices and Communications
As part of your relationship with A TO Z 4U LTD, you are entitled to receive certain information, such as notices, disclosures and statements in writing or through email. To help with our efforts to protect the environment, and to facilitate website and mobile application use of our service, we ask that you give us permission to provide these notices, disclosures and statements to you electronically; otherwise we will be required to furnish them to you in paper form.
To the extent permitted by law, you consent to receiving in electronic form all of the disclosures we would otherwise be required to provide to you in paper form, including those listed below. Your consent will remain in effect until you withdraw it. You may withdraw your consent to receive further
notices or disclosures electronically at any by contacting us +44 20 843 47400 or email at info@atoz4ultd.co.uk and providing your name and mobile phone number or email address and telling us you are withdrawing your consent. If you withdraw your consent to receive electronic notices, your account will be closed.
Your consent applies to all of the disclosures we would otherwise be required to provide you in paper form or email, including, but not limited to: receipts for your money transfer transaction and terms and conditions applicable to your money transfer transaction (such as their terms of use), any updates or changes in those documents, and other informational mailings regarding your transactions or ways to protect your account.
The law requires all financial institutions to take all possible measure to stop money laundering activities and funding of terrorism by obtaining, verifying and recording identification about all our customers. We may therefore require you to provide us personal identifying information such as National ID card, Passport or Driving License by uploading picture of such documents relating to you or Recipient and we may also legally consult third parties sources to obtain information about you and the recipient. We will verify your residential address and personal details in order to confirm your identity, we may also pass your personal information to credit reference agency, which may keep a record of that information. Be assured that this is only to confirm your identity and we do not perform credit checks and therefore your credit rating will be unaffected. All information provided by you will be treated securely and strictly in accordance with the data protection Act 1998 and the EU Data protection regulations apply from 25th May 2018. By accepting these terms and conditions you authorize us to validate the information that you provide to us. We may do this directly, for example by asking you for additional information, or requiring you to take steps to confirm ownership of your Payment Instruments or email address; or indirectly, for example by verifying your information against third party databases or through other sources.
You consent to our processing your personal information for the purposes of providing the Service, including for verification purposes as set out in this clause.
You also consent to the use of such data to enable us and our authorized third parties to verify your details, and for statutory, accounting and archival purposes, in accordance with the terms of A TO Z 4U LTD Privacy Policy. You acknowledge that you have read and consented to A TO Z 4U LTD Privacy Policy. The
Privacy Policy can be found on our website and in this document in Privacy Policy Section.
We may be required by law to provide information about you, your use of the Service and your Instructions to government or other competent authorities as described in our Data Privacy Policy. You acknowledge and consent to us doing this.
In order to ensure that we are able to provide notices, disclosures and statements to you electronically, you must notify us of any change in your email or other electronic address and any change in your mobile phone number. To update the email address we have on record for you, simply send us an email from your registered email at info@atoz4ultd.co.uk or by contacting us on +44 20 843 47400.
To access and retain the notices, disclosures and statements we provide to you electronically, you must have:
By "current version," we mean a version of the software that is currently being supported by its publisher.
We reserve the right to discontinue support of a current version of software if, in our opinion, it suffers from a security or other flaw that makes it unsuitable for use with your account. And we always reserve the right, in our sole discretion, to communicate with you via the UK Postal Service.
Please indicate your consent to receive and use electronic records, communications and notices by checking the "I consent to receiving my agreements and disclosures electronically" box. By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review electronic records, and that you have an active email account. You are also confirming that you have read and understand this consent to
use electronic records, communications, notices and signatures, and that you are authorized to, and do, consent on behalf of all the other co-owners of youraccount.
Important Terms
A TO Z 4U LTD will not open an account of any person who does not appear him/herself in the office or appears on behalf of somebody else or his/her proof of identity is not verified.
Proper Identification Documents will be required to be uploaded (PDF, JPG, PNG format) from original. These basic identification documents include photo IDs such as valid passport or UK’s driving licence or National ID card. Other IDs include proof of address documents like bank’s letter, Bank
Statement, HMRC letter or council letters.
For In-branch customers you will be required to submit in original and the customer should be present at one of the branches or agent location of
A TO Z 4U LTD in person at the time of opening a money transferring account with A TO Z 4U LTD. These basic identification documents include photo IDs such as valid passport or UK’s driving licence or National ID card. Other IDs include proof of address documents like bank’s letter, HMRC letter or council letters.
On acceptance of the Identification Documents an account will opened for the customer containing his Unique Identification Number (UIN). The person whose account is opened will be issued account number (UIN). This number will be required for use in all money services transactions made by that person through A TO Z 4U LTD.
A TO Z 4U LTD aims to provide to its customers a quick, reliable and costless money transfer service with a good exchange rate. The company transfers money the same day or very next day except on the bank holidays. However, the money transfer might be delayed if there are discrepancies in the documents; like the details of the receiver on his/her proof of ID submitted at the receiving end do not match with that which the sender has provided at time of transferring the money OR it could also be delayed in extreme situations and for unforeseen reasons such as strikes or telecommunication failure.
A TO Z 4U LTD deals with major banks in Pakistan, India, Sri Lanka and Bangladesh; money remitted can be collected from any of branches of those banks. These Banks have branches throughout a country and also in remote areas. The option for selecting the collection point will be available when sending money from your login.
If a customer for some reason desires to change the designated collection point; then you have to cancel the payment order (see CANCELLATION section below) and submit new order with corrected details and collection point. * Exchange rate may vary & will be applied as of the day, order is submitted*.
At the time of the undertaking the transaction a PIN NO comprising of 6 digits will be issued to the sender. It will be responsibility of the customer to convey that Collection Pin No to the beneficiary of the money. The beneficiary will not be able to receive the payment until he/she knows the correct
Collection Pin No. The Customers are strongly advised not to disclose the Collection Pin number, value of transfer or other information about the remittance to any person other than the intended recipient.
A TO Z 4U LTD also offers Bank to Bank and ‘Online transfer facility’ to its account holders. They can transfer online and transfer via chap or through
Faster payment service straight into A TO Z 4U LTD's bank account in real time (immediately), without any delay. For security purposes the staffs of A TO Z 4U LTD has been advised to establish the identity of customer before making the transaction by asking from the account holders their identification details; such as name of the account holder, date of birth, address, UIN number, telephone number and other information. This information is essentially required to establish customer’s identity and also to protect the customers from any misuse of their account by criminals.
A TO Z 4U LTD is committed to provide the Customers with best possible service at all times. In the unlikely event that Customer is dissatisfied with any
aspect of services offered by A TO Z 4U LTD; customers are requested to please let us know the facts; either write to:
Complaints Officer
A TO Z 4U LTD
Bombay Bazar Unit 7,8,9,10,140, Ealing
Road, Wembley, HA0 4PY
Or please register your complaints using telephone number 020 843 47400 and/or e-mail to: info@atoz4ultd.co.uk
For more details check our website “How to complain”
If customer wants to cancel a payment, then you can do it over the phone/email but after establishing his identity. This cancellation is only possible before the money transferred has either been credited to the recipient’s account or collected by him. In case of timely cancellation, it will normally take 10 working days to reverse the transaction and customer has to come in the office in person with the original receipt to collect the money if in-branch service is used when sending money, if transaction was sent through online web portal than funds will be transferred back to customers account or
Debit/Credit card from which money was transferred. The exchange rate fluctuations might affect the money received back. *Cancellation charges will also be applied*.
If you instruct us to pay a money transfer to a designated recipient and later request that we stop the payment of such transaction, we will need to check first with the paying agent to determine if the money transfer has been paid to the recipient. If we can confirm that payment has not been made, the money transfer will be cancelled and we will refund the amount of the money transfer, excluding the service charge and transfer fee. The exchange rate fluctuations might affect the money received back. Your refund will be in GBP.
All refunds shall be available within Ten (10) calendar days of the stop order or as soon as the refunds are returned by the paying agent and, whichever
is first. If you want a refund, you must email at info@atoz4ultd.co.uk or post your written request to
A TO Z 4U LTD at Bombay Bazar Unit 7,8,9,10,140, Ealing
Road, Wembley, HA0 4PY
For further information please contact our customer service team at 020 843 47400, or email; info@atoz4ultd.co.uk
A TO Z 4U LTD is incorporated in England and Wales, Registered with HMRC and Authorised and Regulated by Financial Conduct
Authority (FCA).
I/We hereby declare and confirm that the money being remitted through A TO Z 4U LTD by me/us is not derived or obtained by any illegal means and transactions are linked to any unlawful activities. I/we also herby confirm that the details and documents provided to A TO Z 4U LTD are true and have not been tempered in any way. I also undertake to inform A TO Z 4U LTD of any change in my circumstances and also if asked by A TO Z 4U LTD to provide them with any information they might seek with respect to transactions made with them.
(Please print and keep these pages for your records)
(2) Other Terms and Conditions
Acceptance of the Terms of Use
Please read the Terms of Use carefully before you start to use the website. By using the website or our mobile application and by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy with respect to the service and money transfer transactions originated from the website, which are described below. If you do not want to agree to these Terms of Use or the Privacy Policy, you must exit the Website, and not use our Money Transfer Service.
Privacy Policy
A TO Z 4U LTD does not disclose nonpublic personal information about its consumers or former consumers to anyone, except as permitted by law. The law permits disclosure of nonpublic personal information, for example, where it is necessary to effect, administer, or enforce a transaction requested or authorized by the customer, or in connection with the servicing or processing of a financial product or service requested or authorized by the customer. The law also permits such sharing where it is released to protect the confidentiality or security of our records pertaining to our customers, the services or products we offer, or thetransactions we process or handle. The law also allows for the release of nonpublic personal information to protect against or prevent actual or potential fraud,identity theft, unauthorized transactions, claims or other liability, as well as for resolving customer disputes or inquiries. The law further allows the release and/or disclosure of nonpublic personal information to comply with EU, or Money Laundering laws or regulations or other legal requirements, such as subpoenas or other legal processes. This list of examples of the types of sharing of information that is permitted by law is not meant to be comprehensive, but provides you with some basic information on some of the types of sharing permitted by law.
A TO Z 4U LTD does not sell to or exchange customer’s lists or information with third parties, other than partners in connection with their services to verify your identity.
A TO Z 4U LTD restricts access to nonpublic personal information about you to those employees and agents who need to know that information to provide products or services to you. We also maintain physical, electronic and procedural safeguards that comply with legal standards to guard your nonpublic personal information.
By providing us a telephone number (including a mobile telephone number), you consent to receiving texts messages from us about your use of our service at that number, which we may do in our sole discretion. Message and data rates may apply. To stop receiving text messages, users may call at +44 20 843 47400 or email info@atoz4ultd.co.uk for assistance.
Accessing the Website and Account Security
By using this website or mobile application, you represent and warrant that you are 18 years or older and of legal age to form a binding contract with A TO Z 4U LTD.
We reserve the right to withdraw or amend this website and mobile application, and any service A TO Z 4U LTD we provide on the website and mobile application, in our sole discretion without notice, except as otherwise required by law. We will not be liable if, for any reason all, any part of the website and mobile application is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the website, or the entire website, to users, including, but not limited to registered users.
You are responsible for making all arrangements necessary for you to have access to the website and for maintaining the hardware and software noted in our
Consent to Use Electronic Records, Notices and Communications in Section 1 above.
You are responsible for ensuring that all persons who access the website or mobile application through your mobile phone device or internet connection are aware of these terms of use, have agreed to the terms of use, and that they comply with them.
To access the website or some of the resources it offers, you may be asked to provide certain registration, identification and authentication details or other information. It is a condition of your use of the website and mobile application that all the information you provide to us on the Website, mobile application (or otherwise) is correct, current and complete at all times.
If you become a registered user of our money transfer service and you choose, or you are provided with, a user name, password, personal identification number ("PIN"), or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. You agree to immediately notify A TO Z 4U LTD of any unauthorized use of your user name or password, PIN or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You agree that you are only allowed to create and maintain one registered user account. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.
We have the right to disable any user identification code or password, whether chosen by you or provided by us, in our sole discretion for any or no reason, including, if in our opinion, you have failed to comply with any provision of these Terms of Use.
The Service
A TO Z 4U LTD provides registered users of the service (each a "user") with the ability to initiate money transfers to designated recipients located in many countries around the world, over the Internet using a Visa® or MasterCard® credit card ("credit cards"), or a Visa® or MasterCard® branded debit card issued by bank ("debit cards"), or user's bank account with a financial institution ("bank account"). In order to use the service, you will be required to provide us or our partners for financial transaction verification with information necessary for us to verify your identity, to obtain proper bank card or bank account authorization, and to complete the money transfer in compliance with applicable local and foreign laws and regulations. Recipient information and verification may also be required. When required by applicable law, money transfers will be reported to local or foreign authorities. Unless explicitly stated otherwise, any new features that augment or enhance the current service, shall be subject to these terms of use.
Currency Exchange
If you instruct us to pay out a money transfer to a recipient in a currency ("payout currency") other than UK Sterling pound ("GBP"), a retail exchange rate may be applied, in addition to any service charge appearing on the face of your receipt. The payout currency for such money transfer is acquired by us at a wholesale rate that fluctuates, but may approximate the wholesale rate for such payout currency listed website such as the www.xe.com. The difference between the retail exchange rate applied to such money transfer transaction and the wholesale exchange rate at which we acquired the payout currency will be kept by us and/other paying agent as revenue, in addition to any service charges.
The paying agent must pay out money transfers in the payout currency indicated in the money transfer payment instructions. If a recipient desires payment of the money transfer in a currency other than the payout currency, the recipient and paying agent must enter into a separate foreign exchange transaction to convert the payout currency into the recipient’s currency of choice ("foreign exchange transaction"). Such foreign exchange transaction is a separate transaction between the recipient and the paying agent only and A TO Z 4U LTD has no responsibility for or liability in connection with such foreign exchange transaction.
For further information about the payout currencies available in any destination country and/or through any particular paying agent on A TO Z 4U LTD network of payout locations, call on 020 843 47400.
Payment Authorization
When you initiate and submit a money transfer transaction on the website, you authorize A TO Z 4U LTD (or its designated agent) to charge your designated Debit/credit card account or debit your designated debit card or bank account for the amount of such money transfer transaction and A TO Z 4U LTD's associated service charge. You are responsible for ensuring that your designated payment method has sufficient funds or credit available for payment of your money transfer transaction. If A TO Z 4U LTD executes payment of a money transfer pursuant to your money transfer instructions and subsequently is advised that your designated Debit/credit card had insufficient credit available or your designated debit card or bank account had insufficient funds available, you remain liable to
A TO Z 4U LTD for the full amount of any such payment of the money transfer by A TO Z 4U LTD and the A TO Z 4U LTD's associated service charge. You authorize us to initiate debit and credit entries to your bank account in connection with the money transfer service. You also authorize us to initiate credits and debits to correct errors. This authorization shall remain in full force and effect until we have received notification from you of its termination; you may revoke your authorization only by notifying us by telephone at +44 20 843 47400 or in a written email sent to info@atoz4ultd.co.uk or in written letter sent to Bombay Bazar Unit 7,8,9,10,140, Ealing Road, Wembley, HA0 4PY. Attn: Customer Service that is received at least three (3) days prior to the proposed effective date of the termination of authorization. You agree that all transactions authorized by you shall comply with all applicable local and foreign law.
Money transfers that have been authorized by a user shall be processed only on the condition that the issuer of the respective credit card or debit card, or the user's bank, has authorized the corresponding charges or debits. Each user using the service acknowledges and agrees that the Company is authorized to charge the respective credit card or debit card, or debit the respective bank account, for the principal amount of the money transfer, the service charge, and any other applicable fees. The issuing bank for your credit card or debit card or the financial institution where your bank account is open may also have terms and conditions that apply to your use of the credit card, debit card or bank account (as applicable) and you must refer to such agreement(s) in order to determine user's rights, obligations and liabilities as a cardholder or account holder, which may include the assessment of cash advance or other fees. Money transfer receipts will not display fees assessed by user's bank or the issuer of user's credit card or debit card.
Services Charges and Additional Fees
In consideration of your use of the service, you agree to pay a service charge per money transfer executed through the website or mobile application. The service charge will be charged to the credit card, debit card, or bank account you identify as the payment method for your money transfer transaction. The service charge (in addition to any other applicable fees charged by us directly or on behalf of any local or governmental authority) will be displayed online for your authorization prior to submission of the money transfer. Our service charge schedule is subject to change from time to time in our sole and absolute discretion.
In addition to any fees charged by A TO Z 4U LTD, a money transfer may be subject to additional fees assessed by the UK government, where the money transfer originates, the government of the destination country, or the financial institution in the destination country at which your recipient holds a bank account.
Money Transfer Processing and Delivery Schedule
After we have verified your identity, received proper credit card, debit card, bank authorization and completed the screening for proper compliance with the various applicable laws and regulations, the money transfer is made available to the designated recipient for pick up at a paying agent location, or deposit into recipient’s bank account in the destination country. The speed of payment of a money transfer varies depending on a variety of factors, including but not limited to, the amount of the transaction, the restrictions of the destination country or point-of-payment (including without limitation the paying agent's hours of operation), and/or the accuracy of the information provided by the user. Money transfers will normally be paid to the recipient by cash depending on the instructions by you, availability of currency or other conditions existing at the point-of-payment.
Money Transfer Cancellations and Refunds
If you instruct us to pay a money transfer to a designated recipient and later request that we stop the payment of such transaction, we will need to check first with the paying agent to determine if the money transfer has been paid to the recipient. If we can confirm that payment has not been made, the money transfer will be cancelled and we will refund the amount of the money transfer, excluding the service charge and transfer fee. The exchange rate fluctuations might affect the money received back. Your refund will be in GBP or the currency you have paid to process the order. All refunds shall be available within ten (10) calendar days of the stop order or as soon as the refunds are returned by the paying agent and, whichever is first. If you want a refund, you must email at info@atoz4ultd.co.uk or post your written request to A TO Z 4U LTD at Bombay Bazar Unit 7,8,9,10,140, Ealing
Road, Wembley, HA0 4PY. For further information please contact our customer service team at 020 843 47400, or email; info@atoz4ultd.co.uk .
Expired Transfers
If you ask us to process a Transfer to an individual Receiver to be collected in cash at a payout Location and the Transfer Amount has not been collected within ninety (90) days, we will treat the Transfer as no longer capable of execution (an "Expired Transfer"). We will have no obligation, after that ninety (90) day period, to execute an Expired Transfer. If you become aware that a Transfer Amount has not been collected please contact us to ask for a refund.
Money Transfer Transactional Restrictions
We reserve the right, in our sole discretion, to: (i) reject a proposed money transfer; (ii) limit the amount of a money transfer; (iii) require additional information to complete a money transfer; and/or (iv) take reasonable measures with respect to a money transfer in an effort to comply with applicable laws and regulations.
As a user, you agree not to attempt to circumvent the parameters of the service by using a different debit or credit card or bank account, entering false information, or any other means. The service is offered exclusively for the personal money transfer needs of users. Any other use or attempted use of the service for commercial purposes, promotion of products and services, or other such purposes, directly or indirectly, by you or by a third party is prohibited.
The service available through the website is limited to money transfers for a maximum amount of GBP1999.99 per user per calendar day following account enrollment. The maximum aggregate amount of money transfers per user during any rolling thirty (30) calendar day period is GBP 2,999.99. A TO Z 4U LTD may establish any and all transactional restrictions applicable to money transfers in its sole discretion and may change such restrictions from time to time. We will provide you with any legally required notice, which we may post on our website.
When you submit a money transfer, the paying agent is not required to accept it. You agree that you will not hold us liable for any damages resulting from a paying agent's decision not to accept a money transfer made though our service. Any unclaimed, refunded or denied payment will be returned to you or to the original payment method. We will return any unclaimed money transfer to you, or to the original payment method, within thirty (30) days of the date we are informed that the paying agent has rejected your money transfer transaction.
If you provide us with incorrect recipient information, we will contact you to correct the recipient information or process a refund of your money transfer.
If you use your mobile phone to make money transfers, you are responsible for any fees that your phone service provider charges, such as fees for SMS, data services, and any other fees that your phone service provider may charge. Your phone service provider is not the provider of these money transfer services; instead, the Company is the provider of these money transfer services.
SMS Messages
Users may elect to enroll in the SMS ALERT program in order to receive notifications and alerts about their money transfer transactions. Users may opt-in to receive such SMS notifications by agreeing at the time of opening account with us, in response to an opt-in message. Message and data rates may apply. To stop receiving SMS ALERT messages, Users may also call at +44 20 843 47400 or email info@atoz4ultd.co.uk for assistance. Once enrolled in the SMS ALERT program, a user will receive number of messages per money transfer transaction submitted by the user on the website. The mobile carriers participating in the SMS ALERT program are only UK’s registered mobile networks. If a user's mobile carrier is not a UK registered mobile network, the user may not enroll for SMS ALERT notifications. If you enroll in the SMS ALERT program, you are responsible for any fees that your phone service provider charges, such as fees for SMS, data services, and any other fees that your phone service provider may charge.
Intellectual Property Rights
The website and mobile application and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof, are owned by A TO Z 4U LTD, its licensors or other providers of such A TO Z 4U LTD and are protected by UK and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.
You are permitted to use the website and mobile application for your personal, non-commercial use only. You must not copy, modify, create derivative works
of, publicly display, publicly perform, republish, download, store or transmit any of the A TO Z 4U LTD on our site, except to (a) store copies of such A TO Z 4U LTD temporarily in RAM; (b) store files that are automatically cached by your web browser for display enhancement purposes; and (c) print a reasonable number of pages of the website for a permitted use.
You must not (a) modify copies of any A TO Z 4U LTD from this site; or (b) delete or alter any copyright, trademark or other proprietary rights notices from copies of A TO Z 4U LTD from this site.
You must not reproduce, sell or exploit for any commercial purposes any part of the website, access to the website or use of the website or any services or A TO Z 4U LTD available through the website.
If you print, copy, modify, download or otherwise use any part of the website in breach of the terms of use, your right to use the website will cease immediately and you must, at our option, return or destroy any copies of the A TO Z 4U LTD you have made. No right, title or interest in or to the website or any content on the site is transferred to you, and all rights not expressly granted are reserved by A TO Z 4U LTD. Any use of the website not expressly permitted by these terms of use is a breach of these terms of use and may violate copyright, trademark and other laws.
Company Trademarks
A TO Z 4U LTD, and all related names, logos, product and service names, designs and slogans are trademarks of A TO Z 4U LTD or its affiliates or licensors. You must not use such marks without the prior written permission of A TO Z 4U LTD. All other names, brands and marks are used for identification purposes only and are the trademarks of their respective owners.
Acceptable Use
Use of the website and information transmitted in connection with the money transfer transaction is limited to the contemplated functionality. In no event may the website or A TO Z 4U LTD's money transfer service be used in a manner that (a) harasses, abuses, stalks, threatens, defames or otherwise infringes or violates the rights of any other party (including but not limited to rights of publicity or other proprietary rights); (b) is unlawful, fraudulent, deceptive or otherwise violates any applicable state, local or international law, statute, ordinance or regulation; (c) uses technology or other means to access A TO Z 4U LTD that is not authorized by us; (d) use or launch any automated system, including without limitation, "robots," "spiders," or "offline readers," to access A TO Z 4U LTD; (e) attempts to introduce viruses or any other computer code, files or programs that interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; (f) attempts to gain unauthorized access to A TO Z 4U LTD's computer network or user accounts; (g) encourages conduct that would constitute a criminal offense, or that gives rise to civil liability; (h) violates these Terms of Use; (i) attempts to damage, disable, overburden, or impair A TO Z 4U LTD's servers or networks or otherwise attempts to interfere with the proper working of the website; (j) infringes on our or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy; (k) provides false, inaccurate or misleading information; or (l) may cause us to lose any of the services from our Internet service provider or other suppliers (collectively "Acceptable Use").
You further agree that you may not refuse to cooperate in an investigation or to provide confirmation of your identity or any information you provide to us in connection with your use of the website.
Monitoring and Enforcement; Termination
We have the right in our sole discretion to (a) take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the website, and (b) suspend or terminate your access to all or part of the website for any or no reason, including without limitation, any violation of these terms of use. Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone effecting a transaction on or through the website.
You waive and hold harmless A TO Z 4U LTD from any claims resulting from any action taken by the company during or as a result of its investigations and from any actions taken as a consequence of investigations by either the company or law enforcement authorities or regulator authorities related to the money transfer service or your use of the money transfer service.
Changes to the Website and Money Transfer Procedures
We may modify or update the website and/or money transfer procedures from time to time, in A TO Z 4U LTD's sole discretion, with or without notice, except as required by law. We may suspend access to the website, or close it.
Information about You and Your Visits to the Website
All information we collect on this website is subject to our privacy policy. You represent and warrant that all data provided by you is accurate.
Links from the Website
If the website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them, or for any merchandise, goods or services you may purchase or obtain from them. If you decide to access any of the third party websites linked to this website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.
Geographic Restrictions
We provide this website for use only by persons located in the United Kingdom (UK). We make no claims that the website or any of its content is accessible or appropriate outside of the UK. Access to the website may not be legal by certain persons or in certain countries. If you access the website from outside the UK, you are in violation of these terms of use, and, are fully responsible for you actions, including full responsibility for compliance with applicable foreign laws.
We may suspend or terminate your service, in our sole discretion, if you access or attempt to access our website from outside the UK.
Persons under 18
The service is intended for the use by users who are eighteen (18) years of age or older. Please note that the service (including, without limitation, the underlying network, system, software, servers, various directories and listings, various message and news boards, tools, information and databases) is not intended for use by persons under eighteen (18) years of age. If it comes to our attention through reliable means that a user is a child under eighteen (18) years of age, we will cancel that user's account and will delete all information regarding such user from our system and records.
Disclaimer of Warranties
You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output and for maintaining a means external to our site for any reconstruction of any lost data. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the website or any services or items obtained through the website.
Your use of the website, its content and any services obtained through the website is at your own risk. The website, its content and any services obtained through the website are provided on an "as is" and "as available" basis, without any warranties of any kind, either expressed or implied. Neither the company nor any person associated with the company makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy or availability
of the website. Without limiting the foregoing, except to the extent required by law, neither A TO Z 4U LTD nor anyone associated with A TO Z 4U LTD represents or warrants that the website, it's content or any services or items obtained through the website will be accurate, reliable, error-free or uninterrupted, that defects will be corrected, that our site or the server that makes it available are free of viruses or other harmful components or that the website or any services or items obtained through the website will otherwise meet your needs or expectations.
The company hereby disclaims all warranties of any kind, either expressed or implied, statutory or otherwise, including but not limited to any warranties of merchantability, non-infringement and fitness for particular purpose.
The foregoing does not affect any warranties which cannot be excluded or limited under applicable law.
Liability and Limitation on Liability
You are responsible for any chargeback, claim, reversal, fee, fine, penalty and other liability incurred by us, another user of our services, or a third party caused by or arising out of your breach of these terms of use, and/or your use of our money transfer Service. You agree to reimburse us, another user, or a third party for any and all such liability.
Except as otherwise required by law, A TO Z 4U LTD's liability is limited to the GBP amount showing on the face of receipt for your money transfer transaction, including service charges. Except as provided in the previous sentence, in no event will the company, its affiliates or their licensors, service providers, employees, agents, officers or directors be liable for damages of any kind, under and legal theory, arising out of or in connection with your use, or inability to use, the website, any websites linked to it. Any content on the website or such other websites or any services obtained through the website or such other websites, including any direct, indirect, special, incidental, consequential or punitive damages, including but not limited to, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.
If the company does not properly complete transactions on time or in the correct amount in accordance with this agreement with you, A TO Z 4U LTD may be liable for your losses, up to the limitation described in the preceding paragraph. However, the company will not be liable if (a) through no fault of the company, you do not have enough funds available in your bank account, debit card account, or credit card account to complete the transaction; (b) the paying agent or
recipient refused to accept your money transfer; (c) to complete the transaction; (b) the paying agent or recipient refused to accept your money transfer; (c) your funds are subject to legal process or other encumbrances restricting transfer; (d) you provide incorrect or incomplete transaction information to A TO Z 4U LTD; or (e) if your use is not an acceptable use.
The foregoing does not affect any liability which cannot be excluded or limited under applicable law.
Indemnification
You agree to defend, indemnify and hold harmless A TO Z 4U LTD, its affiliates and licensors and their respective officers, directors, employees, contractors, agents, licensors and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees) resulting from your violation of these terms of use or your use of the website, including, without limitation, any use of the website's content or services other than as expressly authorized in these terms of use or your use of any information obtained from the website, or your negligence, fraud or willful misconduct.
Governing Law and Jurisdiction
These terms of use and any dispute or claim arising out of, or related to, them, their subject matter or their formation (in each case, including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the United Kingdom (UK) without giving effect to any choice or conflict of law provision or rule (whether of the UK or any other jurisdiction).
Complaints
A TO Z 4U LTD is committed to provide the Customers with best possible service at all times. In the unlikely event that Customer is dissatisfied with any aspect of services offered by A TO Z 4U LTD; customers are requested to please let us know the facts; either write to:
Complaints Officer,
A TO Z 4U LTD
Bombay Bazar Unit 7,8,9,10,140, Ealing
Road, Wembley, HA0 4PY
Or please register your complaints using telephone number 020 843 47400, and/or e-mail to: info@atoz4ultd.co.uk
Dispute Resolution by Binding Arbitration
Any dispute, claim or controversy of any kind arising out of or relating to this agreement or the breach thereof shall be settled exclusively by arbitration Administered by FINANCIAL OMBUDSMEN SERVICE which covers all businesses authorized by Financial Conduct Authority in accordance with its Commercial/Financial Arbitration Rules. The FOS Rules are available online at www.financialombudsmen.org.uk. The FOS is not a regulator or an industry trade body. Nor are the FOS a consumer champion or a government body. Their job is to settle disputes without taking sides.
The FOS are totally impartial and consider each dispute on its own merits – making what the FOS believe is a fair and balanced decision, based on the facts and circumstances of the individual case.
The official ombudsmen are like judges. But sworn witnesses, cross-examinations and formal legal procedures are not part of their usual process for resolving complaints.
The FOS can get to the bottom of most complaints just by writing to – or phoning – the people involved. And the FOS tells consumers they do not usually need professional, legal or financial help to bring a complaint to them.
i- Being ‘covered by the Financial Ombudsman Service’ - what does it mean?
In simple terms, it means that our company must have in place – and operate – in-house complaints-handling procedures that comply with the complaints handling rules. And any complaint that the company is unable to settle to the consumer’s satisfaction – or within the required timescales – can then be considered by the Financial Ombudsman Service.
If the company is unable to resolve a consumer’s complaint, we must tell the consumer of their right to take their complaint to the Financial Ombudsman
Service. All ‘eligible complainants’ can bring a complaint to the ombudsman service.
ii- Financial Ombudsman Service and our customers
In accordance with the FOS rules, our company has published a summary of our in-house complaints-handling process. This means we have:
All customers are informed of this information as part of the transactional process - also via websites and receipts as to the availability of this summary.
Telling our customers about the Financial Ombudsman Service helps to underpin our customer’s confidence in our business and the payment services we provide.
iii- Who is an ‘eligible complainant’?
This is the term used in the FOS rules to describe those who can complain to the ombudsman.
Complaints can be made by, or on behalf of, customers (or potential customers) who are:
In some circumstances, the FOS can accept complaints from consumers who are neither customers nor potential customers of the business being complained about.
Examples include employees covered by a group insurance policy held in the name of their employer, or someone who has given the business a guarantee or security for a loan.
iv- Complaints-handling rules
These rules, requiring businesses covered by the Financial Ombudsman Service to have in-house complaints-handling procedures, reflect what is widely considered to be good practice. The rules apply to businesses that are or have been authorized by the FCA or the OFT. In the context of payment services, the complaint- handling rules also apply to companies which are eligible to be regulated by the FCA under the Payment Services Regulations but which are, for the moment, taking advantage of the transitional provisions applicable to them.
The rules are published as part of the Financial Conduct Authority’s handbook (available online at; http://FCAhandbook.info/FCA/html/handbook/DISP )
v- When a customer complains – what action to take?
The Financial Ombudsman Service won’t consider a complaint until our company have first had the opportunity to deal with it ourselves. So it is our company policy that we will always investigate any complaint and decide how we want to respond to it.
The complaints-handling rules require us to try to resolve complaints at the earliest opportunity. The rules set out time limits of 15 business days after the day on which it received the complaint under regulation 101 of PSD2 for eligible complaints for dealing with complaints. This means that we must send the consumer a ‘final response’ (or explain why we are unable to do this) within 15 business days of after the day we received the complaint.
We must also send the complainant details of how to contact the ombudsman service and a copy of the FOS leaflet titled ’your complaint and the ombudsman’.
These are ordered via the FOS website or by phoning the FOS publications helpline on 0300 123 9 123, 0800 023 4 567.
vi- What is a ‘final response’?
A final response will include the following points as required under the rules:
But we must still tell the customer about their right to take their complaint to the Financial Ombudsman Service. If the consumer takes their complaint to the ombudsman service after eight weeks – and they are satisfied, from what we tell them at this stage, that the complaint has special features which mean we clearly do need more time – then the FOS may decide not to look into the complaint immediately.
We do not ask FOS for any time extension as a matter of routine.
vii- What are the time limits for consumers bringing unresolved complaints to the ombudsman service?
The complaints-handling rules set time limits for consumers to complain to the ombudsman – after which our company can choose to object to the ombudsman looking at the complaint, on the grounds that it is ‘time-barred’.
Generally these time limits are:
While some businesses are happy for the ombudsman to consider all complaints made against them, even if the consumer has missed the formal time limits. We reserve the right to object to the ombudsman considering a complaint we have received – where we believe that any of these time limits has already expired – then we will let the FOS know as soon as practically possible.
Depending on how clear-cut the issue is, the FOS will:
However, in ‘exceptional circumstances’ the FOS does have the discretion to look at complaints that fall outside these time limits. An example might be if the consumer was incapacitated during the period when they could have complained.
viii- We must comply with an ombudsman’s decision
If the consumer accepts the ombudsman’s decision, it is binding on us. The rules require us to comply promptly with any money award or direction that the ombudsman makes.
If we do not do this, the consumer can go to court to enforce the award or direction, if necessary. And the relevant regulator may take into account any failure to comply with an ombudsman’s decision.
We must also comply promptly with any settlement we may have agreed to make at an earlier stage of the FOS process – for example, during conciliation orfollowing an adjudicator’s view.
Waiver and Severability
No waiver of these terms of use by A TO Z 4U LTD shall be deemed a further or continuing waiver of such term or condition or any other term or condition, and any failure of A TO Z 4U LTD to assert a right or provision under these terms of use shall not constitute a waiver of such right or provision.
If any provision of these terms of use is held by a court of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the terms of use will continue in full force and effect.
Entire Agreement
The terms of use, our privacy policy, and your receipt for any money transfer transactions constitute the sole and entire agreement between you and A TO Z 4U LTD with respect to the website and your effecting money transfer transactions through the website, and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the website.
Changes to the Terms of Use
We may revise and update these terms of use from time to time in our sole discretion by posting a revised version on our website. Except as otherwise required by law, the revised version will be effective at the time we post it. You are expected to check this website from time to time to take notice of any changes we made, as they are binding on you. Your continued use of the website and mobile application for money transfer services following the posting of revised terms of use means that you accept and agree to the changes.
