the payment service provider and to be provided by the payment service user to identify

unambiguously another payment service user and/or the payment account of that other payment service user for a payment transaction.;

”Payment Order” means all instructions submitted by you to us requesting the execution of a Payment Transaction;

"Payment Transaction" means the transfer of money to a Recipient;
"Recipient" means the individual designated by you as the receiver of the Payment Transaction, who

is a natural person and acceptable to us, and who receives the money transfer via a designated paying agent;

“Service" means the TS Money Transfer Service made available by us including the TS Money Transfer Online Service available on the Site;

“Site” means the website operated by us to provide online money transmission services and related information facilities;

‘Transaction reference number’ means a combination of letters, numbers or symbols specified to the

payment service user by the payment service provider and to be provided by the payment service user to identify unambiguously another payment service user and/or the payment account of that other payment service user for a payment transaction.

All references in these Terms (unless otherwise stated) (a) to a person or persons shall include any

natural person, company, firm, partnership, trust, public body or other organisation; (b) to “clauses” are to clauses of these Terms; (c) to any legislation (including statutes, statutory instruments, statutory provisions or regulations) shall include them as amended or re-enacted from time to time; and (d) made in the singular shall include the plural and vice versa.

1. OUR OBLIGATIONS

1.1 AGENTS

We will be responsible to you for all Payment Transactions that are initiated by you via any of our authorised agents. All our authorised agents are listed on the FCA Register under

the name of TS Money Transfer Ltd.

1.2 PROVISION OF INFORMATION

Payment Orders

Before agreeing to undertake a Payment Transaction, we will provide you with a draft payment order that will become an effective Payment Order once you sign it. The Payment Order together with these Terms, will set out the information which we are obliged to

provide to you (the pre-contract information) including:
a) the maximum total fee that the sender will be charged by us, together with a

breakdown where applicable. If we believe that the Recipient may also have to pay a fee, then we will tell you;

b) an indication of the exchange rate that we will apply to your Payment Transaction, or the reference exchange rate upon which the actual exchange rate will be based.

If a further exchange rate may be applied we will tell you to expect this;

c) information on where the Recipient should collect the money from and what they have to do, if it is to be made available in cash;

d) an indication of the maximum time that it will take for the Payment Transaction to be completed i.e. when funds will be available to the Recipient. This will depend upon the destination country and also any legal and regulatory formalities. We will

only consider Business Days when calculating this period;
e) In relation to any Transaction that we have agreed to perform for you, For (a)

on paper.

payment transactions sent in euros (b) national payment transactions in the currency of a Member State of the European Union that is not part of the euro area; c) payment transactions that only involve a currency conversion between the euro and the currency of a Member State that is not part of the euro area, provided that the corresponding conversion is carried out in the Member State that is not part of the euro area and, in the case of cross-border payment operations, the cross-border transfer is made in euros, the amount of the payment operation is deposited to the account of the provider of payment services of the beneficiary, by the end of the following business day. However, the indicated period may be extended by one business day for payment transactions initiated

f) For cross-border operations whose made in a currency other than euro or any of the currencies of a Member State of the European Union, the maximum execution

period will be four (4) banking days.
g) information on cancellation and refund procedures and any charges for cancelling

or amending a Payment Transaction (please see Clause 2 below for more

information).

1.3 PROVISION OF INFORMATION

Completion of Payment Transactions

a) The moment of receipt of a Payment Order shall be the time when it is received by us. If the time of receipt is not a business day, the payment order shall be

deemed received on the next business day. The time limit set as a deadline at the end of the business day shall the 18:00 After that time, any payment order

received will be considered received the next business day.
b) Upon completion of a Payment Transaction we will provide you with the following

information in writing:
i. a transaction reference number that is unique to your Payment

Transaction; ii. confirmation of the exact amount we have sent for you;

iii. the charges or fees that you have paid to us for the Service, together with a breakdown where applicable;

iv. the exchange rate that has been applied to your Payment Transaction v. the amount of the Payment Transaction in the currency used for the

Payment Order; vi. the amount of the Payment Transaction in the

currency in which the
Recipient will receive the money; vii. the date on which we received the Payment Order from the sender;

viii. information on where the Recipient can collect the money or confirmation of the bank to which the money has been sent;

ix. when the money will be available for the Recipient and whether this timescale is definite or the best estimate that we can make;

collect the money; answer or an update).

2. YOUR OBLIGATIONS

x. in the case of cash collections, what the Recipient has to do in order to

xi. the procedure to follow if you have a need to query the Payment Transaction (we will advise you how long it will take us to provide an

2.1 You must be at least eighteen (18) years old.
2.2 You agree to pay our charges for each Payment Transaction. Before we can perform our

Service, you must register with us. In order to complete your registration, you must provide us with all the details we require from you, including details relating to your identity and proof of address and any other information we may require from time to time to enable

us to comply with our legal and regulatory obligations, including as required by the Money Laundering Terrorist Financing and Transfer of Funds (Information on the Payer)

Regulations 2017 (MLR2017).
2.3 You must provide at least the following information in order for a Payment Transaction to

be executed:
a) sender’s full name, address, date of birth, phone number, nationality, occupation,

Identification (Passport, UK Driving License or EEA ID).
b) Recipient's full name, phone number, account number, bank name.

c) We may request further information if necessary. Information requirements will be determined by the payment thresholds on a case by case basis

d) You should upload your original Photographic identification documents into our website. This is mandatory for all Payment Orders, regardless of the amount.

2.4 You acknowledge and agree that:
a) When you register with us or submit a Payment Order, you will provide us with

true, accurate, current and complete information.
b) You will maintain and promptly update such information to keep it true, accurate,

current and complete.
c) You will not use the Service for or in connection with any illegal or prohibited

purpose.

d) You will not initiate a Payment Transaction under the Service in breach of these Terms or any other restriction or requirement of use.

e) You will be liable to us for all losses which we suffer or incur relating to any fraud or fraudulent activity by you at any time.

2.5 You acknowledge and agree that information about you, and the Services we provide to you are confidential, however may be provided by us from time to time to regulatory or governmental authorities, bodies or agencies where we are required by law to do so. All

information must be kept in our database for 5 years since your last Payment Transaction. 2.6 You may authorise another person to provide us with instructions on your behalf. In these circumstances, we will treat the instructions of the Authorised Person as if they came from

you.
2.7 You are responsible for the completeness and accuracy of all information you provide to

us at any time. You must always provide us with instructions, and make sure any Authorised Person provides us with instructions, in the English language.

2.8 TS Money Transfer Ltd Online Service

Terms.

a) You must register with us in order to use the TS Money Transfer Online Service. Registration and use of the TS Money Transfer Online Services is subject to these

b) You will choose a password and an account e-mail login upon registering with us. You are responsible for maintaining the confidentially of your password and account e-mail login, and are fully responsible to us for all activities that occur under your password or account e-mail login. You agree to immediately notify us of any loss, theft, misappropriation or unauthorised use of your password or account e-mail login by calling Tel: + 44(0)20 74076858 or write to Support@tsmoneytransfer.com and we will take immediate steps to try to prevent these from being used. Subject to our taking such steps, we are not liable for any loss or damage arising from your failure to comply with your obligations under this clause. You may have rights against your Card Issuer to have sums refunded to you

if fraudulent use is made of your Bank Card.
c) You will be required to provide at least the following information in order for a Payment Transaction to be executed using the TS Money Transfer Online Service:

i. sender’s full name, address, date of birth, phone number, nationality, occupation, and Identification (Passport, UK Driving License or EEA ID)

when requested by us. An online Payment Transaction can only be performed via sender’s wire transfer or sender’s debit card, or credit card.

ii. Recipient's full name, phone number, account number, bank name.

3. CANCELLATION AND REFUNDS

3.1 You may cancel a Payment Order at any time up until it is executed. Once executed, you cannot cancel or amend a Payment Order. You may exercise this right to cancel in the

following ways:
a) By telephoning us on + 44 2031980387, Monday to Friday: 9 am - 6pm, Saturday:

9 am - 4 pm, Sunday: closed

b) Writing to us at 177 New Kent Road London SE1 4AG; c) Sending us a Whatsapp to (+44) 07453599665;
d) E-mailing us at support@tsmoneytransfer.com.

3.2 If you exercise your right to cancel under clause 3.1 after you have sent a Payment Order to us, we will reimburse any payments which you made to us before cancellation, but we will not reimburse you if we have paid the money transfer to the Recipient before we

receive your notice of cancellation;
3.3 Where you cancel a Payment Order or where we cannot complete a Payment Transaction

for any reason, we will arrange for a full refund.
3.4 The refund may take three to five (3 to 5) Business Days to process. Please note that

refunds may take longer to process where internal Compliance checks are required and/or Compliance related queries need to be addressed

3.5 In instances where (i) the Recipient does not collect the money transferred under a Payment Transaction with three (3) months; or (ii) you make a deposit in our account and fail to identify or proceed with a Payment Transaction within thirty (30) Business Days, we will refund the amount of the Payment Transaction to you less the commission initially charged at our exchange rate applicable at the time of the refund. If we cannot refund the money to you because we are unable to contact you and we do not have valid bank details

4.6 We may, in our sole discretion, refuse to proceed with a Payment Transaction. Examples of when we may refuse to proceed with a Payment Transaction include:
a) Where the intended Recipient is anyone other than a natural person.

b) Where we are required to do so under applicable anti-money laundering or terrorist financing legislation and /or where we know or suspect the Payment

Transaction may be unlawful (including for instances of fraud).

c) We believe that you don’t have enough information to satisfy any regulatory or governmental requirement.

d) You have failed to provide us with sufficient, satisfactory and reliable evidence of your identity or any other information we require in relation to a Payment

Transaction.
e) Where we know or suspect that the Payment Order requested by you contains

errors or is not authorised by you.
f) Receipt of a Payment Order by us in circumstances where there is insufficient time

for us to ensure the execution of the requested Payment Transaction by the

requested time.
g) You have failed to provide us the amount of the funds which we tell you are

required for the Payment Transaction to proceed in cleared funds immediately available to us

h) Your Card Issuer does not authorise the use of your bank for payment of the Payment Transaction and our related charges

i) You are in breach of an obligation under these Terms including an obligation to pay our fees.

We will notify you of such refusal, the reasons for it and the procedure for remedying the probable actual errors that have caused it, unless a specific rule and/r regulation prohibits

us such notification.
4.7 We reserve the right not to accept or allow payments from or to, either directly or

indirectly, certain countries which we have determined, acting in our sole discretion, are high risk to our business or involve a higher level of complexity for us in carrying out our anti-money laundering or anti-terrorist financing legislation transaction

monitoring process.
4.8 We further reserve the right to request additional information from you, including

information on the Recipient, where payments are to be made to certain countries acting in our sole discretion.

4.9 If we refuse to proceed with the execution of a Payment Order in accordance with
these Terms we will prior to the end of the Business Day following receipt of the

Payment Order tell you and where it is possible and lawful for us to do this we will tell you the reasons for this and how to rectify the situation in the case of incorrect

information you have provided to us or failed to provide to us.

4.10 We are not liable to you for any loss or damage which you may incur as a result of any legal requirements which we are required to comply with, including in relation to

Money Laundering and Terrorism Finance
4.11 We will refund you with the full amount of any non- executed or defective Payment

Transaction (including our charges in relation to such Payment Transaction), including any interest and/or late payment fees;
4.12 Any claim for compensation made by you/or a Recipient (who is not registered with
us) must be supported by any available relevant documentation.

4.13 We may report suspicious activities to law enforcement organisations or other government agencies if we are required to do so by law or otherwise consider it

necessary.

with respect to a Payment Transaction where in our opinion this is necessary.

5. PAYMENT BY CREDIT OR DEBIT CARD

5.1 You must authorise your card issuer to transfer funds required to be received by us for the Payment Transaction so that: (i) funds so required for the Payment Transaction to proceed are charged to the account linked to your card; and (ii) we receive an authorisation from the third-party merchant acquiring provider and subsequently receive the transfer funds

required to be received by us.
5.2 You are responsible for ensuring that your designated payment method has sufficient funds

or credit available to ensure that the funds required for the Payment Transaction to proceed are received by us and received by us on time.

5.3 You acknowledge and agree that all Payment Transactions authorised by you are subject to all applicable UK and foreign laws and regulation.

5.4 Your card issuer and/or your bank or credit institution will also have terms and conditions that apply to your use of your card or bank account and you must refer to such agreement(s) when making the funds required for the Payment Transaction to proceed available to us as such terms and conditions which may include the application of fees and charges and other terms and conditions imposed by your card issuer and/or your bank or

credit institution.
5.5 Please note that Payment Transactions may take up to eight (8) days where placed using

credit or debit cards.
5.6 Third party card payments are not permitted under any circumstances.

6. TERMINATION
We may terminate these Terms and/or suspend Our Service immediately:

6.1 where you do not provide us with all the details we require to perform a Payment Transaction for you;

6.2 where it becomes unlawful for us to continue to provide you with Our Services or we are required to do so by law, by any court of competent jurisdiction or by any governmental

or regulatory body which authorises us to perform Our Service;
6.3 following a material breach by you of any of these Terms and Conditions or in the event

that we discover or have reasonable cause to suspect any crime, fraud, fraudulent activity or money laundering by you;

6.4 in the event that you die, become of unsound mind, become unable to pay your debts as and when they fall due, a petition in bankruptcy is presented against you, you are declared bankrupt, you become insolvent, you enter into an individual voluntary arrangement or go

into liquidation or are subjected to any similar event;
6.5 as provided for in clause 18 (Changes Beyond our Control).

6.6 The provisions of this clause 6 (Termination) and clauses 18 (Changes beyond our Control),

4.14 We reserve the right, at our sole discretion, to: (i) refuse to process a Payment Transaction; (ii) limit the amount of a Payment Transaction; (iii) require additional information to complete a Payment Transaction; and/or (iv) take reasonable measures

21 (Personal Data Protection), 27 (Applicable Law and Jurisdiction), 22 (Limitation of Liability) 28 (Third Party Rights) and 33 (Entire Agreement) shall survive the termination

or expiry of these Terms for any reason.

7. PAYOUTS

7.1 Upon making a Payment Order we will issue you with a MTN. In order for us to authorise payment to a Recipient, the Recipient must provide us or our payout agent with all of the

following:

a) Original and valid Photographic identification (such as a Passport, UK Driving License or a valid Identity card).

b) The exact amount of the principal amount of the Payment Order. c) The MTN relating to the Payment Order.
7.2 Payment by cheque will not be accepted.

7.3 The sender’s account shall not be debited before receipt of the Payment Order. If the time of receipt is not on a Business Day, the Payment Order shall be deemed to have been

received on the following Business Day.
7.4 We shall ensure that the amount of the Payment Order will be at the Recipient ́s disposal

immediately after that amount is credited in the Recipient ́s payment services provider ́s account where, there is, (a) no currency conversion; or (b) a currency conversion between

the euro and a EU Member State currency or between two EU Member State currencies.

8. LIMITATION OF LIABILITY

We have no liability and do not accept any responsibility to you for: 8.1 any goods or services which you pay for by using the Service;

8.2 malfunctions in communications facilities which cannot reasonably be considered to be under our control and that may affect the accuracy or timeliness of messages you send to

us;
8.3 errors in our Site or with our TS Money Transfer Online Service caused by incomplete or

incorrect information provided to us by you or a third party, or for any unauthorised use of your password or account e-mail (which you are responsible for keeping confidential);

8.4 any losses or delays in transmission of messages arising out of the use of any internet access service provider or caused by any browser or other software which is not under our

control;
8.5 viruses caused by third parties;
8.6 the services provided to you by your Card Issuer;

8.7 any opportunity to make a purchase which is lost or compromised by any delay or failure of any Payment Transaction regardless of the reason for such delay or failure;

8.8 We do not accept any liability for damages resulting from non-payment or delay in payment of a money transfer to a Recipient or failure to perform a Payment Transaction under the

Service by reason of any of the matters referred to in clause 2.1.
8.9 Neither we nor any of our agents shall be liable whether in contract, tort or otherwise for

damages, losses or claims for delays, non payment or underpayment of any money transfer, or non-delivery of any supplemental message beyond the sum equivalent to the principal amount of the money transfer (in addition to refunding the principal amount of the money

transfer and our charges in relation to the money transfer).
8.10 Nothing in this clause exclude or limit liability on our part for death or personal injury

resulting from our negligence or (b) exclude liability for our fraud.

8.11 To the extent permissible by law, neither we nor our agents will be liable for any loss of profits, loss of business, loss of opportunity, loss of goodwill, loss of contracts or ay

indirect, special, incidental or consequential damages (whether caused by negligence or otherwise).

8.12 Wherever you are sending a money transfer to a Recipient who is not registered with us, you agree to accept the provisions of this clause 5 not only for yourself, but also on

behalf of the Recipient.

9. TRANSFER OF RIGHTS

9.1 We have the right to transfer our rights and/or responsibilities under our agreement with you to an affiliated company, or any third party, at any time without your consent unless
such transfer would reduce your rights and/or remedies or increase your responsibilities
and/or liabilities under your agreement with us.

9.2 You may not transfer your rights and/or responsibilities under your agreement with us without our prior written consent.

10. THIRD PARTY RIGHTS

The Contracts (Rights of Third Parties) Act 1999 shall not apply to the agreement between us and accordingly nothing in it shall be directly or indirectly enforceable by any third party.

11. CIRCUMSTANCES BEYOND OUR CONTROL

We are not liable to you if we are unable to perform any of our obligations to you or our performance of any of our obligations is delayed due to any circumstances outside of our control. If our performance is delayed by circumstances outside of our control we will contact you as soon as possible to let you know and will take steps to minimise the effects of the delay. Provided we do this we will not be liable for delays but if there is a risk of substantial delay you

may contact us to cancel the Payment Transaction and request a refund.

12. CONFIDENTIALITY

12.1 We respect the privacy of the affairs of all our customers and always aim to treat customer information as confidential and to use customer information in confidence

12.2 We will not treat customer information as confidential where it is already public knowledge or where it becomes public knowledge through no fault of our own.

12.3 We may disclose customer information if we are required to do so by law, by a court, by court order, to meet any statutory, legal or regulatory requirement on us, or by the police or any other law enforcement agency in connection with the prevention or

detection of crime or to help combat fraud or money laundering.

13. DATA PROTECTION AND PRIVACY POLICY

13.1 In this clause 13, "Data Protection Legislation" means any law applicable from time to time relating to the processing of personal data and/or privacy, as in force at the date of our agreement with you or as re-enacted, applied, amended, superseded, repealed

or consolidated, including without limitation, as applicable, the UK Data Protection Act 2018, the General Data Protection Regulation (EU) 2016/679 (the "GDPR"), and the Privacy and Electronic Communications (EC Directive) Regulations 2003, in each case

including any legally binding regulations, direction and orders issued from time to time under or in connection with any such law. In addition, the terms data processor,

personal data, data subject, processing and supervisory authority shall be as defined in the Data Protection Legislation and "Data" shall mean the personal data and/or

sensitive personal data, which is provided by you to us pursuant to these Terms or in connection with the Services provided by us hereunder.
13.2 You and we agree to comply at all times with all applicable requirements under the Data Protection Legislation.
13.3 In the event that we are deemed to be your data processor in respect of the Data and you

are deemed to be a data controller, the following clauses 13.4 to 13.7 shall apply. In the event that we are deemed to be a data controller clauses 13.4 to 13.7 will not apply in respect of the Data and you (if you are a data controller) and we agree to comply at all times with any applicable obligations imposed on each of us (as appropriate) as data

controller under the Data Protection Legislation when processing the Data.
13.4 We shall only process the Data (i) in accordance with your written instructions (including the Terms) or (ii) where required to do so by applicable law (and we shall promptly

inform you if we believe your instructions infringe the GDPR).

13.5 We shall, in addition to the measures put in place by you, implement and maintain all appropriate technical and organisational security measures: (i) to ensure a level of security appropriate to the risk to the Data when it is processed by us (ii) to assist you

in the fulfilment of your obligations to respond to requests from data subjects exercising their rights under the Data Protection Legislation and (iii) where appropriate,

assist you in complying with Articles 32 to 35 of the GDPR 13.6 We shall:

a) provide all assistance to you as is reasonably requested to enable you to comply with your obligations pursuant to the Data Protection Legislation;

b) take all reasonable steps to ensure that access to the Data is limited to those personnel who require access to it for the purpose of complying with our obligations under these Terms and that such personnel are bound by enforceable

obligations of confidentiality;
c) inform you (via a notice on the Site) of any intended appointments of new sub-

processors, thereby giving you an opportunity to object (which objection we will

consider in good faith) and it is acknowledged that these Terms stand as general written authorisation to have and appoint sub-processors

d) where required pursuant to the Data Protection Legislation, not process or transfer the Data outside of the European Economic Area (or permit the Data to

be so processed or transferred) unless we have obtained your prior written consent and these Terms shall be deemed to be general written consent by you (to the extent you act as data controller) to us transferring the Data to the Recipient and the place where the Recipient will collect the money and the act of the sender (or any other person whose Data forms part of the Payment Transaction information) in submitting their Data for the purposes of the Payment Transaction shall be an act of consent to the transfer of such Data to the Recipient and to such other entities, wherever they are based, as are necessary to facilitate

the Payment Transaction;
e) following the end of the provision of the Services and on your request,

permanently delete all Data (including copies) in our possession or control, save where we are required to retain such Data by applicable law;

f) subject to you and/or your representatives signing suitable undertakings of confidentiality, allow you and/or your representatives, on providing reasonable

c) information on where the Recipient should collect the money from and what they have to do, if it is to be made available in cash;

d) an indication of the maximum time that it will take for the Payment Transaction to be completed i.e. when funds will be available to the Recipient. This will depend upon the destination country and also any legal and regulatory formalities. We will

only consider Business Days when calculating this period;
e) In relation to any Transaction that we have agreed to perform for you, For (a)

on paper.

payment transactions sent in euros (b) national payment transactions in the currency of a Member State of the European Union that is not part of the euro area; c) payment transactions that only involve a currency conversion between the euro and the currency of a Member State that is not part of the euro area, provided that the corresponding conversion is carried out in the Member State that is not part of the euro area and, in the case of cross-border payment operations, the cross-border transfer is made in euros, the amount of the payment operation is deposited to the account of the provider of payment services of the beneficiary, by the end of the following business day. However, the indicated period may be extended by one business day for payment transactions initiated

f) For cross-border operations whose made in a currency other than euro or any of the currencies of a Member State of the European Union, the maximum execution

period will be four (4) banking days.
g) information on cancellation and refund procedures and any charges for cancelling

or amending a Payment Transaction (please see Clause 2 below for more

information).

1.3 PROVISION OF INFORMATION

Completion of Payment Transactions

a) The moment of receipt of a Payment Order shall be the time when it is received by us. If the time of receipt is not a business day, the payment order shall be

deemed received on the next business day. The time limit set as a deadline at the end of the business day shall the 18:00 After that time, any payment order

received will be considered received the next business day.
b) Upon completion of a Payment Transaction we will provide you with the following

information in writing:
i. a transaction reference number that is unique to your Payment

Transaction; ii. confirmation of the exact amount we have sent for you;

iii. the charges or fees that you have paid to us for the Service, together with a breakdown where applicable;

iv. the exchange rate that has been applied to your Payment Transaction v. the amount of the Payment Transaction in the currency used for the

Payment Order; vi. the amount of the Payment Transaction in the

currency in which the
Recipient will receive the money; vii. the date on which we received the Payment Order from the sender;

viii. information on where the Recipient can collect the money or confirmation of the bank to which the money has been sent;

c) information on where the Recipient should collect the money from and what they have to do, if it is to be made available in cash;

d) an indication of the maximum time that it will take for the Payment Transaction to be completed i.e. when funds will be available to the Recipient. This will depend upon the destination country and also any legal and regulatory formalities. We will

only consider Business Days when calculating this period;
e) In relation to any Transaction that we have agreed to perform for you, For (a)

on paper.

payment transactions sent in euros (b) national payment transactions in the currency of a Member State of the European Union that is not part of the euro area; c) payment transactions that only involve a currency conversion between the euro and the currency of a Member State that is not part of the euro area, provided that the corresponding conversion is carried out in the Member State that is not part of the euro area and, in the case of cross-border payment operations, the cross-border transfer is made in euros, the amount of the payment operation is deposited to the account of the provider of payment services of the beneficiary, by the end of the following business day. However, the indicated period may be extended by one business day for payment transactions initiated

f) For cross-border operations whose made in a currency other than euro or any of the currencies of a Member State of the European Union, the maximum execution

period will be four (4) banking days.
g) information on cancellation and refund procedures and any charges for cancelling

or amending a Payment Transaction (please see Clause 2 below for more

information).

1.3 PROVISION OF INFORMATION

Completion of Payment Transactions

a) The moment of receipt of a Payment Order shall be the time when it is received by us. If the time of receipt is not a business day, the payment order shall be

deemed received on the next business day. The time limit set as a deadline at the end of the business day shall the 18:00 After that time, any payment order

received will be considered received the next business day.
b) Upon completion of a Payment Transaction we will provide you with the following

information in writing:
i. a transaction reference number that is unique to your Payment

Transaction; ii. confirmation of the exact amount we have sent for you;

iii. the charges or fees that you have paid to us for the Service, together with a breakdown where applicable;

iv. the exchange rate that has been applied to your Payment Transaction v. the amount of the Payment Transaction in the currency used for the

Payment Order; vi. the amount of the Payment Transaction in the

currency in which the
Recipient will receive the money; vii. the date on which we received the Payment Order from the sender;

viii. information on where the Recipient can collect the money or confirmation of the bank to which the money has been sent;