Welcome to XMG Financial Services Ltd T/A XMG Remit (hereinafter referred to as "XMG Remit"). These terms and conditions (the "Terms") govern your access and use of the XMG Remit website (the "Website"). By using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Website.
1.1 The XMG Remit digital services is offered in United Kingdom by XMG Financial
Services Ltd (“the Company”). the company’s registered office address: Unit 3, 29-31 Greatorex
Street, London, United Kingdom, E1 5NP; Company house Registration Number: 10966723.
1.2 The company is registered and regulated by the Financial Conduct Authority (FCA) as Small
Payment Institute (SPI); firm reference number 790926.
1.3 The company providing payment transmission service using the website and there is a link to
use the app on the mobile can be download on Apple store and can be get on Google play.
the company currently operating the website under hosted domain
https://xmgfinancialservices.com/ directly and another domain www.xmgremit.com redirect.
2.1 Your use of website is subject to the XMG Remit Privacy Policy. Please review the Privacy Policy before using the Website.
3.1 You may use the Website for the sole purpose of obtaining information about XMG Remit and
its services.
3.2 You may not use the Website for any illegal or unauthorized purpose, including but not
limited to transmitting any content that is unlawful, fraudulent, defamatory, or obscene.
3.3 You may not use any software, device, or process to interfere with or attempt to interfere
with the proper working of the Website.
3.4 You may not use any robot, spider, or other automatic device or process to monitor or copy
any content on the Website.
3.5 You agree to provide accurate and complete information when using the Website.
4.1 Users must be at least 18 years old
4.2 Have their habitual residence in the United Kingdom in order to use the service.
4.3 Each money transfer made through XMG Remit Online Service is assigned a unique transaction
number, known as the Money Transfer Control Number (MTCN)
5.1 In order to use the services provided by XMG Remit, you must be at least 18 years old
5.2 Have the legal capacity to enter into a contract.
5.3 By creating an account on XMG Remit, you certify that you meet these requirements.
5.4 To use our services, you must register an account on our website.
5.5 During the registration process, you will be required to provide certain personal
information, including your name, date of birth, address, email address, and phone number.
5.6 You are responsible for ensuring that all the information you provide is accurate and
up-to-date.
6.1 You are responsible for maintaining the confidentiality of your account login details,
including your username and password.
6.2 You agree to notify XMG Remit immediately if you become aware of any unauthorised access to
your account or any other breach of security.
7.1 XMG Remit will make reasonable efforts to ensure that our services are available at all times unless otherwise we mention on the website, but we do not guarantee uninterrupted access to our website or services. We are not responsible for any loss or damage that may result from the unavailability of our website or services.
8.1 XMG Remit reserves the right to terminate your account at any time, for any reason, with or
without notice.
8.2 If your account is terminated, any transactions that have not yet been completed will be
cancelled.
9.1 The Website and its content are the property of XMG Remit and are protected by copyright,
trademark, and other intellectual property laws.
9.2 You may not reproduce, distribute, modify, or create derivative works of any content on the
Website without the prior written consent of XMG Remit.
10.1 The website of XMG Remit, a money remittance provider based in the UK, is provided on an
"as is" and "as available" basis without warranty of any kind, either express or implied. XMG
Remit makes no representations or warranties of any kind, whether express, implied, statutory or
otherwise regarding the website or the services provided through it.
10.2 XMG Remit does not warrant that the website will be error-free or uninterrupted, that
defects will be corrected, or that the website or the servers that make it available are free of
viruses or other harmful components. XMG Remit does not warrant or make any representations
regarding the use or the results of the use of the website or the services provided through it
in terms of their correctness, accuracy, reliability, or otherwise.
10.3 By using the website, you acknowledge and agree that the use of the website and the
services provided through it is at your sole risk. XMG Remit shall not be liable for any
XMG Remit will make reasonable efforts to ensure that our services are available at
damages whatsoever arising out of or in connection with the use of the website or the services
provided through it, including but not limited to direct, indirect, incidental, consequential,
punitive, or any other damages.
10.4 XMG Remit reserves the right to modify, suspend, or discontinue any aspect of the website
or the services provided through it at any time, including the availability of any feature,
database, or content, without prior notice or liability.
11.1 XMG Remit will make every effort to ensure the accuracy and reliability of the information
presented on its website. However, XMG Remit does not guarantee the accuracy, completeness,
reliability or suitability of any information or data found on its website.
11.2 Furthermore, XMG Remit shall not be liable for any damages, losses, or expenses arising out
of the use or inability to use its website, including but not limited to, indirect or
consequential damages, loss of profits, or any damages arising from loss of data or business
interruption.
11.3 By utilizing the website of XMG Remit, you acknowledge and consent to indemnifying, defending, and protecting XMG Remit, along with its directors, officers, employees, agents, and affiliates, against any claims, damages, or losses that may arise from your usage of the website or any violation of these terms of use.
11.4 In no event shall XMG Remit's liability to you exceed the amount paid by you to XMG Remit
for the services provided through its website.
11.5 This Limitation of Liability shall apply regardless of the form of action, whether in
contract, tort, strict liability, or otherwise, and whether or not XMG Remit has been advised of
the possibility of such damages.
11.6 If you do not agree with this Limitation of Liability, you must not use XMG Remit's website
or services.
12.1 XMG Remit reserves the right to modify these Terms at any time without prior notice.
12.2 These Terms shall be governed by and construed in accordance with the laws of England and
Wales.
12.3 Any disputes arising out of or in connection with these Terms shall be subject to the
exclusive jurisdiction of the courts of England and Wales.
12.4 If any provision of these Terms is found to be invalid or unenforceable, the remaining
provisions shall remain in full force and effect.
12.5 These Terms constitute the entire agreement between you and XMG Remit with respect to the
use of the Website.
12.6 Fees and Exchange Rates XMG Remit charges a fee for each transaction, which will be
displayed on the website at the time of the transaction. XMG Remit also applies an exchange rate
to each transaction, which may be different from the prevailing market rate. By using the
Service, you agree to pay these fees and accept the exchange rate offered by XMG Remit.
12.7 Cancellation and Refunds If you wish to cancel a transaction, you must do so before the
funds have been paid out to the recipient. If you cancel a transaction before it is processed,
you will receive a refund of the transaction amount, minus any fees charged by XMG Remit. If a
transaction is cancelled or rejected by XMG Remit, you will receive a full refund of the
transaction amount.
12.8 Anti-Money Laundering and Fraud Prevention XMG Remit is committed to preventing money
laundering and other illegal activities. To comply with anti-money laundering laws and
regulations, XMG Remit may ask you to provide additional information or documentation to verify
your identity or the purpose of a transaction. XMG Remit reserves the right to refuse any
transaction or account that it believes may be connected to illegal activities.
13.1 This website is governed by and construed in accordance with the laws of England and Wales.
13.2 Any dispute arising out of or in connection with this website, including any question
regarding its existence, validity, or termination, shall be referred to and finally resolved by
the courts of England and Wales.
13.3 XMG Remit and the user hereby submit to the exclusive jurisdiction of the courts of England
and Wales for the purposes of any such dispute or proceedings.
13.4 XMG Remit makes no representation that the content of this website complies with the laws
of any country outside the UK. If you access this website from outside the UK, you do so at your
own risk and are responsible for compliance with the laws of your jurisdiction.
13.5 XMG Remit reserves the right to amend or modify this governing law and jurisdiction clause
at any time without prior notice to you. By continuing to use this website, you agree to be
bound by the terms and conditions as modified from time to time.
This terms and condition initial version April 2023
In case of a dispute or concern regarding our services, we encourage you to reach out to our dedicated customer support team through various channels, including phone, email, or online chat.
They are available to assist you and address any issues you may have. You can contact and provide them with all relevant details related to the dispute. This may include transaction details, dates, amounts, and any supporting documentation or evidence you have regarding the issue. We will determine an appropriate resolution for the dispute based on the investigation findings.
If you are not happy with how we have handled any complaint, you may want to contact the alternative dispute resolution provider made available to you. You can submit a complaint to the UK Financial Ombudsman Service (“FOS”). The FOS is a free, independent service that might be able to settle a complaint between you and us. You may obtain further information regarding the FOS and their contact details via www.financial-ombudsman.org.uk. The FOS will not charge you for making a complaint and if you are not satisfied with the outcome you can still bring legal proceedings.
15.1 All online transactions are conducted according to the following process:
16.1 All customers engaging in online transactions are advised to contact the business directly
if they encounter any issues or concerns related to the transaction process.
16.2 The business will handle all complaints in accordance with the established complaints-handling process.
16.3 The complaints-handling process is detailed in the Complaints Handling Policy, which customers can refer to for further guidance.
16.4 The business is committed to resolving complaints promptly, fairly, and transparently.
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