PLEASE READ THIS USER AGREEMENT AND THE PRIVACY POLICY REFERENCED HEREIN (COLLECTIVELY DEFINED BELOW AS THE “USER AGREEMENT”) CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS. THESE INCLUDE VARIOUS LIMITATIONS AND EXCLUSIONS.
Top Connect Limited, Trading as “Top Connect Money Transfer” is authorized and regulated by the Financial Conduct Authority (FCA) under the registration number 610825 in the United Kingdom for conduct of money services business and is registered under the companies house having company number 08659511. Registered office of the company is at St. James Tower, 7 Charlotte Street, Manchester, M1 4DZ, United Kingdom.
Top Connect Limited operates an international money transfer service through our mobile apps (the ‘Service’).
By visiting our website and accessing the information, resources, services, products, and tools we provide, you understand and agree to accept and adhere to the following terms and conditions as stated in these Terms of Service (hereafter referred to as ‘User Agreement’), along with the terms and conditions as stated in our Privacy Policy. If you do not wish to be bound by these Terms and Conditions do not access, register with, or use the Service.
The terms ‘Top Connect’, ‘we’, ‘us’, and ‘our’ refer to Top Connect Ltd, together with its employees, directors, successors, affiliates, and assigns. The terms ‘you’ and ‘your’ refer to users of the Service, whether in their capacity as Senders, Recipients, or visitors to our website or app.
We reserve the right to change this User Agreement from time to time without notice by posting an updated copy of this User Agreement to the Site. You acknowledge and agree that it is your responsibility to review this User Agreement periodically to familiarise yourself with any modifications. Your continued use of this site and Application after such modifications will constitute acknowledgment and agreement of the modified terms and conditions.
Accessing the Service
In order to use the Application, you must be at least 18 years old, be a resident of the UK or another origination country approved by Top Connect, have a Payment Account in your name, and be registered with Top Connect. In order to register, you must download the Application and provide Top Connect with information about yourself, such as your name, address, date and place of birth, telephone number, email address and other information or documentation, including a photo of your government-issued identification document, that will allow us to verify your identity. The home address that you provide when registering must be the same as the billing address for your Payment Account. You agree to provide complete and accurate information and/or documentation in connection with the registration process. You further agree to update this information as may be reasonable or necessary to keep it complete and accurate at all times.
Your use of the Application is subject to our ability to verify your identity. You authorise Top Connect to obtain information about you from third parties (including financial institutions, credit reporting agencies and your telephone service provider), although Top Connect has no obligation to do so. If you do not provide accurate and complete information during registration or when requesting a Remittance, we have the right to prohibit you from using the Service or the Application or to stop your requested Remittance. Inaccurate and/or incomplete information provided by you during registration or when requesting a Remittance may cause errors in your requested Remittance or may delay or restrict your access to the Application or the Service.
Your registration is personal to you. You should not allow your registration details to be used by anyone else for any purpose
PAYMENT, FEES AND CURRENCY EXCHANGE
You may use the Application only to send a Remittance to a Beneficiary located in a country where Top Connect provides a payment service, as designated on the Application from time to time. Top Connect and Top Connect-designated service providers will process the Remittance and make funds available for receipt by the Beneficiary.
In order for us to execute your Transaction, you will need to fund it using your specified Payment Method. If you do not provide sufficient, cleared funds before the time specified in the Site, we will cancel your Transaction.
You agree to pay all Fees which are applicable to your chosen Payment Method and Pay-out Method. A breakdown of all Fees will be displayed before you submit your Transaction.
Where you send money in one currency and the pay-out will be in a different currency, we will apply a Currency Conversion rate. The rate will be displayed on the App before you submit the Transaction. Once you submit your Transaction, the Currency Conversion rate will be locked for a time specified on the Site. The rate that we apply will be different from the rate at which we buy the currency. This difference in price is our small margin that we use to guarantee you the rate for a specified time.
CANCELLING AND REFUNDING TRANSACTION
If you instruct Top Connect Limited/Top Connect Affiliate to process a Remittance Transaction and then subsequently request that the Remittance Transaction be stopped or reversed, Top Connect Limited/Top Connect Affiliate will first need to confirm whether the Pay-Out Partner has disbursed the Remittance to the Recipient before the transaction can be stopped or reversed.
If Top Connect Limited/ Top Connect Affiliate can confirm that payment has not been made to the Recipient, the Remittance Transaction will be cancelled and Top Connect Limited/ Top Connect Affiliate will refund the amount of the Remittance, including the Top Connect Money Transfer Service Fee, to you. Your refund will be in currency you paid with.
If you have provided us with an incorrect recipient details and your Transaction was paid out to a person other than your Receiver, you may make a written request to us to request a refund. We will attempt to refund you your money however we do not guarantee that we will be able to do so. In accordance with the Payment Services Regulations 2017, we have a right to charge you for our efforts to refund the money. Any fees that will be charged in connection with the refund will be communicated via email upon your written request. You acknowledge that we might not be able to refund you your funds.
In case of a successful refund, your money will be credited back to the Payment Method you used to submit the Transaction. We reserve the right to refuse to pay a refund to a Payment Method different to the one used for the Transaction.
You acknowledge that refunds can take up to seven (10) Business Days depending on your bank.
Termination and Account Deactivation and Suspension
Top Connect Limited may suspend or terminate your account if it suspects that you have engaged in or are about to engage in, or have been in any way involved in or linked to, fraudulent activity in connection with the Top Connect Money Transfer Service.
Top Connect may suspend or terminate your account if we are unable to verify or authenticate any information you have provided; or Top Connect Limited believes that your actions may cause Top Connect Limited to suffer financial loss or incur liability.
We reserve the right to suspend or deactivate your Account and/or otherwise discontinue providing you with the Services at any time and without notice if:
• we have reasonable grounds to believe you have used our Services for Prohibited Purposes;
• We have reasonable grounds to believe you are in breach of any of the provisions contained in these Terms
and Conditions or in any documents referred to herein;
• You intimidate, harass or threaten our employees or the employees of a Service Provider;
• We have reasonable grounds to believe you are in breach of any applicable law or regulation;
• We are requested to do so by any competent court of law, government authority, public agency or law enforcement agency
You can deactivate your account by sending an email to our email address compliance@topconnectltd.co.uk, using the email address associated with your Account, indicating your full name, address, phone number, date of birth and reason for deactivation. Deactivating your account will prevent you from logging in to your Account.
When you deactivate your Account, we will continue to store your personal data in accordance with the Data Protection Legislation.
TRESOLUTION OF DISPUTES
If you wish to make a complaint about the Services, you can email us at hello@topconnectltd.co.uk, with brief details of your complaint and the email address associated with your Account. Top Connect Limited shall exercise its best efforts to resolve any disputes that arise by our customers.
If the Complaints Team is unable to resolve your complaint and you wish to escalate your complaint further, please contact the Financial Ombudsman Service.
You can contact the Ombudsman Service at
The Ombudsman Service
South Quay Plaza,
183 Marsh Wall,
London E14 9SR
Phone: 08000234567 or 03001239123
E-mail: complaintinfo@financial-ombudsman.org.uk
Website:www.financial-ombudsman.org.uk