These Terms and Conditions dictate your access and usage of the website, encompassing our Application where applicable, and related services ('Service'). By accessing, registering, and using the Service, you are legally bound by these Terms and Conditions. If you do not consent to these terms, refrain from accessing, registering, or using the Service. Your access and use of the Services are consistently governed by these Terms and Conditions and our Privacy Policy. We encourage you to carefully read these Terms and our Privacy Policy.

These Terms and Conditions outline the terms governing your use of our Money Transfer services.

These Terms and Conditions, along with our web page detailing the applicable service charges, collectively form the Agreement between you and us.

The language of the Agreement is English, and all services, instructions and transactions carried out in connection with it will be in English.

In the Agreement, the terms ‘QF Remit,’ ‘we,’ ‘us,’ and ‘our’ refer to QF Remit, together with its employees, directors, successors, and assigns.

The terms ‘you’ and ‘your’ refer to you, the person who has registered to use some or all of the services as described in the Agreement.

This Agreement will be deemed effective from the date of your registration with us and will remain in force indefinitely, unless terminated by either you or us.

Definitions and Interpretation

In this Agreement, the following terms shall have the following meanings:

Content means any text, graphics, images, audio, video, software, data compilations, or any other information stored in a computer that is visible on or constitutes a part of this Website.

Company Name means QF Remit (or E27 Partners UK Ltd/ E27 Partners Inc).

System collectively refers to any online facilities, tools, services, or information provided by QF Remit through the Website, both presently available and those that may be offered in the future.

Services means Money Transfer services.

Money Transfer means an electronic money transfer using our Services, either within the same country or to another country.

User/Users refer to any third-party accessing the Website, excluding individuals employed by SwiftTransfer and not acting within the scope of their employment.

Business Day means any day on which we are open for business for the execution of payment Instructions and/or payment Requests.

Destination Country refers to the country where the payee, as the recipient of funds from your payment using our Money Transfer service, receives the money when you initiate the payment."

Payee refers to either yourself, in the event you are sending money to yourself, or to another individual whom you are transferring funds to.

Instruction means a payment instruction.

Payment Instruction refers to a particular directive provided by you (or a Third-Party Provider acting on your behalf) via the website or mobile apps to transfer funds, either to yourself or to another designated payee.

Local Taxes means any taxes or charges payable in the Destination Country.

Payment Instrument includes a payment device such as a debit or credit card.

Website refers to the current website in use (qfremit.com) and any app, website, interface, or other digital portal periodically provided by us to facilitate your utilization of our Services as per the Agreement.

Service Fee refers to our specified fee, as described on our Website periodically. It's important to note that other taxes, such as Local Taxes, and additional costs may be applicable, not paid through us or directly imposed by us.

Service Provider refers to a local bank, money exchange house, or any other third-party service provider (such as a mobile network operator) in the Destination Country with whom we collaborate to offer services to you.

Third-Party Provider refers to an online provider authorized by you to issue Payment Instructions on your behalf. Based on the permissions granted, third-party Providers can access your Transaction History and submit Payment Instructions to us as if they were you. Many of these providers are authorized by regulatory bodies like the UK Financial Conduct Authority or their equivalents in the European Economic Area.

If considering a third-party Provider, it's advisable to request and verify their authorization details yourself. Additionally, ensure you are comfortable granting them the authority to issue Payment Instructions on your behalf and access your Account.

Transaction means the transfer of money using our Services.

Transaction Amount means the amount of money or the value that you wish to send to yourself or another Payee. The transaction Amount excludes any applicable Service Fee and is the amount displayed by us on this website or mobile app prior to any foreign exchange conversion.

Transaction History means the record of your transactions which are accessible through our Website.

Intellectual Property

Except for content uploaded by Users, all material present on the Website—including text, graphics, logos, icons, images, sound clips, video clips, data compilations, page layout, underlying code, and software—is the property of QF Remit, our affiliates, or pertinent third parties. Your continued use of the Website signifies your acknowledgement that such material is protected by applicable laws.

You may not reproduce, copy, distribute, store, or in any other fashion, re-use material from the Website unless otherwise indicated on the Website or given express written permission by us to do so.

Material from the Website may be re-used without written permission where any of the exceptions detailed in Chapter III of the Copyright Designs and Patents Act 1988 apply.

Links to Other Websites

This Website may feature links to other sites for your convenience. Unless expressly stated, these sites are beyond our control and that of our affiliates. We bear no responsibility for the content of such websites and disclaim liability for any loss or damage arising from their use. The inclusion of links to other sites on this Website does not constitute an endorsement of the sites or their administrators. Accessing such websites is at your own risk.

Links to Other Websites

Individuals seeking to link this Website to other sites may do so exclusively to the site's home page (qfremit.com) without prior permission. However, deep linking, referring to links directed to specific pages within the site, requires our express permission.

Privacy

In adherence to relevant data protection laws, we will handle any personal data you've provided in accordance with the Privacy Policy accessible on this website.

You acknowledge and agree that if you provide us with personal data concerning a third party: (1) you have obtained all necessary consents and notices enabling the lawful transfer of such personal data to us, and (2) you have directed the third party's attention to our Privacy Policy available on our website or provided a copy to them. You further agree to indemnify us against any liabilities, penalties, fines, awards, or costs arising from your failure to comply with these requirements.

Disclaimers

We make no warranty or representation that the Website will meet your requirements, be of satisfactory quality, fit for a specific purpose, free from infringement of third-party rights, compatible with all systems, secure, or that all provided information will be accurate. Additionally, we do not guarantee any specific results from the use of our Service.

The Content on this Website is not intended to constitute advice, and it should not be relied upon when making any decisions or taking any action of any kind.

Availability of the Website

The Service is provided 'as is' and on an 'as available' basis. We give no warranty that the Service will be free of defects or faults. To the fullest extent permitted by law, we provide no warranties, whether express or implied, of fitness for a particular purpose. We do not guarantee that the Website will meet your requirements, be of satisfactory quality, free from infringement of third-party rights, compatible with all systems, secure, or that all provided information will be accurate. Moreover, we do not guarantee any specific results from the use of our Service.

We bear no liability for any disruptions or unavailability of the Website due to external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, power failure, natural events, acts of war, legal restrictions, or censorship.

Limitation of Liability

To the fullest extent permitted by law, we disclaim liability for any direct or indirect loss or damage, whether foreseeable or not, including indirect, consequential, special, or exemplary damages arising from the use of the Website or its Content. Users acknowledge that they use the Website and its Content at their own risk. These terms and conditions have been crafted to comply strictly with the relevant provisions of the Unfair Contract Terms Act 1977. In case any term is deemed unlawful, invalid, or unenforceable, it shall be severed from these terms and conditions, without affecting the validity and enforceability of the remaining terms. This provision applies only in jurisdictions where a particular term is deemed illegal.

No Waiver

In the event that any party to these Terms and Conditions fails to exercise any right or remedy contained herein, this shall not be interpreted as a waiver of that right or remedy.

Previous Terms and Conditions

If there is any conflict between these Terms and Conditions and any prior versions, the provisions of these Terms and Conditions shall prevail, unless expressly stated otherwise.

Notices

All notices or communications should be addressed to us at our Premises (refer to the above address) or via email at hello@qfremit.com. Notice shall be considered received three days after dispatch if sent via first-class post, on the same business day if the email is received in full during business hours, and on the following business day if the email is sent on a weekend or public holiday.

This Policy applies to you, the User of this Website, and QF Remit, the owner and provider of this Website. It governs our use of any and all data collected from your use of the Website, as well as any Services or Systems provided herein.

This Privacy Policy details the collection, utilization, storage, and disclosure of personal information by us. It applies to individual consumer users (referred to as “you" singularly) accessing our websites, applications, and additional online services where this Privacy Policy is posted (collectively referred to as our 'Services').

This Privacy Policy constitutes a part of our Terms and Conditions (“Terms"). Your access to or use of our Services implies agreement with this Privacy Policy and our Terms and Conditions. The terms outlined in this Privacy Policy override all prior notices and statements concerning our privacy practices in relation to our Services. Should you disagree with any provision within this Privacy Policy or our Terms of Use, your access or use of our Services is not permitted.

Important information

• Our website is not designed for children, and we do not knowingly collect data related to children.
• This Privacy Policy complements our other policies, including our terms of use (Terms), and is not meant to supersede them.
• QF Remit acts as the controller and assumes responsibility for your personal data (referred to as 'we,' 'us,' or 'our').
• Maintaining accurate and current data about you is crucial. Kindly keep us informed of any changes to your personal information.
• Our website may feature links to third-party websites, plug-ins, and applications. Clicking on these links or enabling connections might permit third parties to collect or share your personal data. We lack control over these third-party websites, plug-ins, or applications, and thus, are not liable for their privacy policies. Consequently, it's advisable to review their privacy policies to comprehend the type of personal data they collect and how they utilize it.

Application of this Privacy Policy

This Privacy Policy applies to your use of our Services, irrespective of the means of access. Our Services are accessible through various devices including, but not limited to, desktops, laptops, mobile phones, tablets, and other consumer electronic devices (each, a “Device").

Information You Provide Us

Exploring our website does not require revealing your identity or sharing personal information. However, when you submit an inquiry via our Services or register for an account, we may collect personal information such as your name, email address, mobile phone number, banking details, and other identifying information (collectively referred to as “Personal Information"). By voluntarily providing us with your Personal Information, you expressly agree to our collection, use, storage, and disclosure of such information as described in this Privacy Policy.

Additionally, we may request you to generate login credentials, such as a username and password, for your account. In instances where you provide your mobile phone number, we may seek your consent to receive text messages regarding our Services on that particular number.

Information About Your Transactions

We collect Personal Information concerning your transactions with us and others. Additionally, we collect information about other individuals (e.g., details of recipients for your money transfers) when you provide us with such information. By providing us with this information, you confirm that you have obtained the necessary permissions from these individuals for the reasonable use of their information as outlined in this notice. Alternatively, you confirm that you are authorized to provide us with this information on their behalf. We also request that you ensure these individuals are aware of this notice and that its provisions are clearly communicated to them.

Information From Third Parties

In addition, we collect Personal Information about you from other companies. This may include information received from other sources, such as publicly available databases, which we may combine with the data we already possess about you. This practice assists us in updating, expanding, and analyzing our records, enabling us to offer services that may align with your interests.

Information Automatically Collected

We, or our service providers acting on our behalf, may collect information concerning your usage of our Services. This information might encompass both Personal Information and statistical data that does not specifically identify you ('Analytics'). Some Analytics may be linked, directly or indirectly, to Personal Information. In cases where Analytics are associated or combined with Personal Information, they will be treated as Personal Information for the purposes outlined in this Privacy Policy.

The information automatically collected during your access or use of our Services may include:

• Device Information: This includes specifics related to your device (such as hardware model, operating system version, unique device identifiers, and mobile network information, including your mobile phone number). We may link your device identifiers or mobile phone number with your account.
• Log Information: We may record or log information from your Devices, their software, and your activity accessing or using our Services. This information may include:
  • The Device's Internet Protocol (“IP") address
  • Identification numbers associated with your Devices
  • Device event information, such as crashes, system activity, and hardware settings
  • Location preferences
  • Date and time stamps of transactions
  • System configuration information
  • Other interactions with our Services

Information Collected Through Cookies and Similar Technologies

We use cookies to tailor our Services to your preferences and to collect aggregate information regarding Service usage. A cookie is a text file or other local storage identifier provided by your browser or associated applications. We use cookies for record-keeping purposes and to enhance the quality of your use of our Services. The cookies assign random, unique numbers to your Devices to enable our systems to recognize your Devices and to allow us to see how you use our Services. For more general information about cookies and their functionality, you can visit www.allaboutcookies.org.

The cookies we use in connection with our Services include:

Session cookies: Session cookies are temporary cookies that expire and are automatically erased whenever you close your browser window. We use session cookies to grant users access to content and to enable actions they must be logged into their account to perform.

Persistent cookies: Persistent cookies usually have an expiration date in the distant future and remain in your browser until they expire or you manually delete them. We use persistent cookies to better understand usage patterns so we can improve our Services. For example, we may use a persistent cookie to associate you with your account or to remember your choices for our Services.

Third-party cookies: We authorize specific third parties to employ cookies via our Services to furnish us with enhanced insights into Service usage, user demographics, and to promote our Services to you. These third parties may gather information about your online activities across various websites when you access or use our Services. For instance, we utilize Google Analytics to analyze usage patterns within our Services. Google Analytics generates a cookie that captures information about your Service use, enabling Google to compile reports on website activity for us and provide related services. While Google may use a segment of your IP address to identify its cookie, this won't be linked to any other data retained by Google.

Additionally, we may authorize third-party service providers to place cookies for our Services, as previously mentioned, for analytical or marketing purposes, provided you are notified and have given consent to such usage. We lack control over the usage of these third-party cookies or the resulting information, and we hold no responsibility for the actions or policies of such third parties.

By accessing or using our Services, you explicitly consent to the placement of cookies on your Devices, as detailed in this Privacy Policy. If you prefer to opt-out of receiving cookies via our Services, you can manage how your browser handles cookies by adjusting its privacy and security settings. Unless your browser settings are configured to reject all cookies, our system may issue cookies upon accessing or using our Services. However, if you opt to refuse all cookies in your browser settings, certain features of our Services may experience limited functionality or may not work at all

Do-Not-Track Signals

Do Not Track (“DNT") is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third parties. We do not use technology that recognizes DNT signals from your web browser.

How We Use Information

Our primary purpose in collecting user information is to furnish you with a safe, smooth, efficient, and customised experience and to provide the services you have requested from us. We may also use the information that you have provided to ensure that the content on our site is optimally presented for you and your device.

We may use Analytics as described elsewhere in this Privacy Policy, and for research and commercial purposes, such as to improve our Services.

We also use your information for the following specific purposes:

• To fulfil our obligations arising from contracts between you and us or as required by applicable law, providing you with services in accordance with our terms and conditions, and in line with this Privacy Policy;
• To register you with a QF Remit account;
• To fulfil your transaction request;
• To notify you about changes to our services;
• To prevent fraud;
• To ensure that content from our site is presented in the most effective manner for you and your device;
• To send you marketing communications if you have provided us with your contact details during a transaction or for services, and you have not chosen to opt-out from receiving such communications. This practice adheres to Data Protection Legislation, including the European Directive 2002/58/EC and The Privacy and Electronic Communications (EC Directive) Regulations 2003.
• To administer our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;
• As part of our efforts to keep our site and our services safe and secure;
To measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you;
• To make suggestions and recommendations to you and other users of our site about services that may interest you or them;
• To display personal testimonials of satisfied customers on our website in addition to other endorsements, where you have agreed with a third-party review site that we may do so. If you wish to update or delete your testimonial, you can contact us by sending an email to contact@qfremit.com.

We may use Personal Information, as described in this Privacy Policy, for our internal commercial objectives. This includes offering our products and services, as well as those of third parties that we believe might be of interest to you. However, only your account and our third-party service providers engaged in disseminating offers or providing products or services will have access to your Personal Information.

Our third-party service providers are only authorized to use Personal Information for its intended purpose. We may use your email address to respond to inquiries and furnish information about our Services.

You have the option to decline receiving promotional emails from us. You can achieve this by 'unsubscribing' from an email received from us or by contacting us using the information provided below.

If you unsubscribe from receiving emails from us, we may still send you non-promotional emails, such as emails about your account or our ongoing business relations, unless you withdraw your consent to receive electronic communications as provided in our Terms and Conditions.

The law permits us to process your personal data in the way we do because the processing is:

• o run and administer our business;
• To prevent fraud;
• To provide you with our services;
• To evaluate, develop or improve our services;
• To keep you informed about relevant products and services you are using;
• To discharge our legal obligations to store and disclose information where necessary;
• To provide you with an efficient and smooth customer experience;
• Necessary for the performance of our contract with You to provide You with our services;
• Necessary to comply with a legal obligation to which we are subject;
• Permitted by you, because you have given us consent.

How We Share Information

We do not share your Personal Information with:

• Other financial companies for joint marketing purposes;
• Affiliated companies for their everyday business purposes;
• Any third party so they can market to you.

We may share your Personal Information with unaffiliated third parties:

• if you request or authorize it;
• if the information is provided to help complete a transaction for you;
• if the information is provided to:
  • comply with applicable laws, rules, regulations, governmental and quasi-governmental requests, court orders, or subpoenas;
  • enforce our Terms of Use or other agreements;
  • protect our rights, property, or safety, or the rights, property, or safety of our users or others (e.g., to a consumer reporting agency for fraud protection, etc.);
• if the disclosure is done as part of a purchase, transfer, or sale of services or assets (e.g., in the event that substantially all of our assets are acquired by another party, your Personal Information may be one of the transferred assets);
• if the information is provided to our third-party service providers to perform functions on our behalf (e.g., analyzing data, providing marketing assistance, providing customer service, processing orders, etc.);
• for our everyday business purposes;
• as permitted by applicable law or otherwise described in this Privacy Policy. ven after your status as our customer ends, we continue to share your information in accordance with the terms outlined in this Privacy Policy

We may disclose Analytics with third parties as described elsewhere in this Privacy Policy and for our commercial purposes.

Opt-Out Rights

If you prefer not to receive future offers or notices from us, you can 'opt out' by contacting us using the information provided at the end of this Privacy Policy or by following the 'unsubscribe' instructions in any communication received from us. Please note that you are not able to opt out of receiving communications about your account or related transactions with us.

Accessing Your Information

You must notify us of any change in your Personal Information by updating your account profile through our Services. Any changes will affect only future uses of your Personal Information.

Subject to applicable law, which might, from time to time, oblige us to store your Personal Information for a certain period of time, we will respect your wishes to correct inaccurate information. Otherwise, we will hold your Personal Information for as long as we believe it will help us achieve our objectives as detailed in this Privacy Policy.

You can ask us whether we are storing your Personal Information and you can ask to receive a copy of that Personal Information. Before sending you any Personal Information, we will ask you to provide proof of your identity. If you are not able to provide proof of your identity, we reserve the right to refuse to send you any Personal Information. We will respond as quickly as we can to your requests for details of Personal Information we hold about you.

Information You Share Socially

Our Services may allow you to connect and share your actions, comments, content, and information publicly or with friends. We are not responsible for maintaining the confidentiality of any information you share publicly or with friends.

Our Services may also allow you to connect with us on, share on, and use third-party websites, applications, and services. Please be mindful of your personal privacy needs and the privacy needs of others, as you choose whom to connect with and what to share and make public. We cannot control the privacy or security of information you choose to make public or share with others. We also do not control the privacy practices of third parties. Please contact those sites and services directly if you want to learn about their privacy practices.

Security

We maintain, and necessitate our third-party service providers receiving Personal Information to uphold, a comprehensive written information security program. This program includes administrative, technical, and physical safeguards for our respective physical facilities, computer systems, databases, and communication networks. These measures are reasonably designed to protect information within such systems from loss, misuse, or alteration. When transmitting your bank account information through our Services, we ensure its protection through encryption technology, such as Secure Sockets Layer (SSL).

No method of electronic transmission or storage is 100% secure. Therefore, we cannot guarantee absolute security of your Personal Information. You also play a role in protecting your Personal Information. Please safeguard the username and password for your account and do not share them with others. If we receive instructions using your account login information, we will consider that you have authorized the instructions. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We reserve the right, in our sole discretion, to refuse to provide our Services, terminate accounts, and remove or edit content.

Protecting Children's Privacy

Our Services are not aimed at or designed to appeal to children under the age of 18. We do not knowingly collect Personal Information from individuals under the age of 18. If you are under 18, please refrain from using our Services or submitting any information to us.

Links to Third-Party Websites

While using our Services, you might be directed to external websites beyond our control. Additionally, we may permit third-party websites or applications to link to our Services. We do not hold responsibility for the privacy practices of these third parties or the content found on these linked websites. However, we strongly recommend reviewing the relevant privacy policies and terms and conditions of such parties and websites. Please note that this Privacy Policy solely pertains to our Services.

Data Security

We have implemented suitable security measures to prevent accidental loss, unauthorized access, use, alteration, or disclosure of your personal data. Access to your personal data is limited to employees, agents, contractors, and selected third parties who require access for business purposes. They can only process your personal data based on our instructions and are bound by confidentiality obligations.

Additionally, we have established procedures to address any suspected personal data breaches. If legally mandated, we will notify you and the relevant regulatory authority of any such breaches.

Data Retention

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

Details of retention periods for different aspects of your personal data are available in our retention policy which you can request from us. However, we are legally required to keep basic information about our customers (including contact, identity, financial and transaction data) for six years after they cease being customers, for tax purposes.

We may also anonymise your personal data (so that it can no longer be associated with you) for research or statistical purposes. We can use anonymised information indefinitely without further notice to you.

Changes to our Privacy Policy

We reserve the right to revise this Privacy Policy at our sole discretion, subject to applicable law. Any revisions will be posted through our Services, and the date at the top of this Privacy Policy will be updated accordingly. Unless stated otherwise in the revised Policy or as required by applicable law, the updated Privacy Policy becomes effective upon posting via our Services.

Your decision to accept a revised version of this Privacy Policy is at your discretion. However, accepting the revised Privacy Policy is necessary to continue accessing or using our Services. If you disagree with the terms of this Privacy Policy or any revised version, your only recourse is to terminate your access and use of our Services. Unless expressly stated otherwise by us, your access and use of our Services are bound by the version of this Privacy Policy effective at the time of access or use.