Terms & Conditions of Remit Continental Limited
These Terms and Conditions (“Terms”) govern the sale and supply of money transfer services (“Services”) provided by Remit Continental, a trading name of Remit Choice Limited (“Remit Continental,” “we,” “us,” or “our”), through our website and mobile application (collectively, the “Platform”). By using our Platform and ordering our Services, you agree to be bound by these Terms.
Please note, in these Terms and Conditions our use of the term “Services” includes, without limitation, money transfer services, money remittance services, international money remittance services, and Payment Services in accordance with Schedule 1 Part 1 of The Payment Services Regulations 2017. Before confirming your order, please read through these terms and conditions (the “Conditions”), and in particular our cancellations and returns policy at clause 10 and limitation of our liability and your indemnity at clause 14.
We reserve the right to revise and amend the Website/App, our disclaimers, and the Conditions at any time without notice to you. Your continued use of the Website/App (or any part thereof) following a change shall be deemed to be your acceptance of such change. It is your responsibility to check regularly to determine whether we have changed these Conditions.
1.1. This Website/App is owned and operated by Remit Continental, a trade name of Remit Choice Limited, a private limited company registered in England and Wales under company number 11770361, having our registered office at Twelve O’clock Court Unit 7, 21 Attercliffe Road, Sheffield, England, S4 7WW.
1.2. We are a member of, and regulated by, the Financial Conduct Authority (FCA), a regulatory professional body for the purposes of regulating our Payment Services activities in accordance with the Payment Services Regulations 2017. We can be identified on the FCA Register by our registration number 949756. The professional conduct rules and regulations can be found at http://www.fca.gov.uk.
2.1. You agree that email and other electronic communications can be used as a long-distance means of communication and acknowledge that all contracts, notices, information, and other communications that we provide to you electronically comply with any legal requirement that such communications be in writing.
2.2. We will contact you by email or provide you with information by posting notices on our Website/App.
3.1. Our Website/App is intended for use by customers resident in England, Wales, Scotland, and Northern Ireland (the United Kingdom).
3.2. We may accept your order if you are resident in the United Kingdom, subject to reserving the right to amend the specifications or standards of the Services offered on the Website/App and/or these Conditions, or to refuse to accept an order for our Services from you if it would put an excessive strain on our business or if we have an objective reason for doing so. If we accept your order, you will be liable to pay for any additional costs incurred to facilitate your order. You will have an opportunity to cancel your order if the additional costs are not acceptable.
3.3. If we agree to supply any Services ordered from the Website/App for delivery outside the United Kingdom, they may be subject to fees, duties, taxes, or expenses incurred due to compliance with local or foreign regulatory requirements or laws. You will be responsible for payment of any such duties and/or taxes in addition to our price. Please note that we have no control over these charges and cannot always predict their amount. You should contact your local customs office or taxation authority for further information before placing your order.
3.4. You must comply with all applicable laws and regulations of the country for which the Services are destined. We will not be liable for any breach by you of any such laws.
This Website/App is owned and operated by Remit Continental, a trade name of Remit Choice Limited, a private limited company registered in England and Wales under company number 11770361, having our registered office at Twelve O’clock Court Unit 7, 21 Attercliffe Road, Sheffield, England, S4 7WW.
4.1. By registering on the Website/App you undertake:
4.1.1. That all the details you provide to us for the purpose of registering on the Website/App and purchasing the Services are true, accurate, current, and complete in all respects.
4.1.2. To notify us immediately of any changes to the information provided on registration or to your personal information.
4.1.3. That you are over 18 years of age, or if under 18, you have a parent or guardian’s permission to register with and purchase the Services from this Website/App under their supervision.
4.1.4. To only use the Website/App using your own username and password.
4.1.5. To make every effort to keep your password safe.
4.1.6. Not to disclose your password to anyone.
4.1.7. To change your password immediately upon discovering that it has been compromised.
4.1.8. To neither transfer nor sell your username or password to anyone, nor permit, directly or indirectly, anyone other than you to use them.
4.1.9. To provide us with correct, accurate, complete, and truthful details concerning the money remittance transaction(s) you instruct us to remit, including correct beneficiary details such as name, address, bank account number, and any other information we may require from time to time.
4.1.10. Not to use our Services to commit fraud, money laundering, financial crime, terrorist financing, or any similar activities. You expressly agree that we have the right to immediately cancel any Services or account without notice and to report the matter to the appropriate regulatory or law enforcement authority where criminal activity is suspected.
4.2. You authorize us to transmit your name, address, and other personal information (including updated information) to third parties in order to obtain information about you, including credit reports, and to authenticate your identity.
4.3. We reserve the right to terminate any agreement formed with you and suspend or terminate your access to the Website/App immediately and without notice if:
4.3.1. You fail to make any payment to us when due.
4.3.2. You breach these Conditions (repeatedly or otherwise).
4.3.3. You impersonate any other person or entity.
4.3.4. When requested, you fail to provide sufficient information within a reasonable time to verify your identity or the accuracy of information supplied by you.
4.3.5. We suspect that you have engaged, are engaging, or are about to engage in fraudulent or illegal activity on the Website/App.
5.1. To be eligible to purchase Services on this Website/App and lawfully enter into contracts with us, you must:
5.1.1. Be 18 years of age or over.
5.1.2. Be legally capable of entering into a binding contract.
5.1.3. Provide full and accurate address details within the United Kingdom or your local country for the delivery or performance of the Services.
5.2. If you are under 18, you may only use the Website/App under the supervision of a parent or guardian. If you do not meet these requirements, you must not use the Website/App.
5.3. Identification requirements for online payment include:
5.3.1. Valid photo identification (passport or driving licence), provided as a clear, coloured, and readable scan. A visa scan is also required for non-British passport holders.
5.3.2. Address verification using a valid utility bill, bank statement, or council tax bill, dated within the last 90 days.
5.3.3. Your complete and accurate contact details.
5.4. Remit Choice Limited is authorized to verify the documents you provide for identification purposes with independent online sources to confirm their validity and authenticity. If you send over £5,000.00 GBP (or equivalent in another currency), you may be required to provide additional information such as proof or source of funds.
5.4.1. Please also note that this membership is not intended for business purposes, and verification and processing of requests may require a minimum of two working days.
6.1. The prices of the Services are quoted on the Website/App.
6.2. Prices quoted are for the performance of the Services in the United Kingdom unless otherwise specified.
6.3. Unless otherwise stated, the prices quoted exclude VAT (we are not VAT registered).
6.4. We reserve the right, by giving notice to you at any time before delivery or performance of our obligations, to increase the price of the Services to reflect any increase in costs beyond our control, including but not limited to foreign exchange fluctuations or significant increases in third-party service costs. In such circumstances, you will be entitled to cancel the order at any time before we commence providing the Services.
7.1. Payment can be made by any major personal (not commercial) prepaid, credit, or debit card, or through an electronic payment account as explained on the order form.
7.2. By placing an order, you consent to payment being charged to your prepaid, debit, or credit card account, or electronic payment account, as provided on the order form.
7.3. Payment will be debited from and cleared in your account before the provision of the Services.
7.4. When payment is made by card, we carry out certain checks, including obtaining authorization from your card issuer to confirm sufficient funds and for security purposes. This may include validation of your name, address, and other personal information against third-party databases, including card issuers, credit reference agencies, and fraud prevention agencies.
7.5. By accepting these Conditions, you:
7.5.1. Undertake that all details provided for purchasing the Services are correct, that the payment card used belongs to you, and that sufficient funds are available to cover the cost of the Services ordered.
7.5.2. Undertake that all Services ordered are for your own private or domestic use only and not for resale.
7.5.3. Authorize us to transmit payment and delivery information provided during the order process (including updated information) for the purposes of obtaining authorization from your card issuer, authenticating your identity, validating your payment card, and preventing fraud.
7.6. We will contact you if any issues arise with the authorization of your payment card.
7.7. We will take all reasonable care to keep your order and payment details secure; however, in the absence of negligence on our part, we shall not be liable for any loss suffered if a third party gains unauthorized access to data you provide when using or ordering from our Website/App.
8.1. All orders are subject to acceptance and availability. If any Services ordered are not available, you will be notified by email and you will have the option either to wait until the Services are available or to cancel your order. It is your responsibility to provide a valid email address so that we can contact you if necessary.
8.2. Any order placed by you constitutes an offer to purchase the Services from us. All offers are subject to acceptance by us, and we reserve the right to refuse any order at any time prior to acceptance without providing a reason.
8.3. You are responsible for ensuring the accuracy of all details provided during the order process. We will not accept an order unless all requested details have been entered correctly.
8.4. You agree that any acknowledgment of receipt of your order by us does not constitute acceptance of your offer to purchase the Services.
8.5. A contract between you and us incorporating these Conditions will only be formed once payment has been debited and we have confirmed that we will provide the requested Services or made them available for download. We will send you an email confirmation (the “Confirmation Notice”), which constitutes acceptance of your offer. The Contract is formed when the Confirmation Notice is sent, whether or not it is received.
8.6. Where Services are supplied on a permanent or ongoing basis, including subscriptions, they will be provided for a minimum fixed period (the “Minimum Duration”), the length of which depends on the package or product selected and is stated on the Website/App.
8.7. The Contract will apply only to the Services specified in the Confirmation Notice. We are not obliged to supply any additional Services until a separate Confirmation Notice has been issued.
8.8. You must check the details in the Confirmation Notice for accuracy and are advised to print and retain a copy for your records.
8.9. You will be subject to the policies and Conditions in force at the time you place your order, unless:
8.9.1. A change is required by law or a governmental authority.
8.9.2. We notify you of changes to the policies or Conditions before sending the Confirmation Notice, in which case you will be deemed to have accepted them unless you notify us in writing within seven working days of receipt of the Confirmation Notice.
8.10. In some cases, orders may be accepted from agents acting on behalf of customers. In such cases, the legal contract remains between you and us and is governed by these Conditions. The agent will advise you of these terms, which you should review carefully.
9.1. The Services will be provided to you and delivered to the beneficiary or recipient at the address you provided during the order process, which may be an address other than the billing address. Please note that additional documentation may be required to comply with such orders. Where appropriate and at our discretion, we may deliver all or part of the remittance to the account number, account name, telephone number, or email address supplied by you during registration, or to such other details as we agree to use for the purposes of remitting funds or communicating with you or the beneficiary.
9.2. Any dates quoted for completing performance of the remittance service are approximate only. Where no date is specified, completion will take place within 30 days or within a reasonable time from the date of the Confirmation Notice, unless exceptional circumstances apply.
9.3. We shall not be liable for any delay in completing performance of the Services, however caused.
9.4. Remittance Services may be delivered in instalments.
10.1. Cancelling before receiving a Confirmation Notice
10.1.1. You may cancel your order for the Services at any time before receiving a Confirmation Notice by contacting us in writing. Cancellation notices may be sent by email to info@instantremit.co.uk or by letter to 163 Radford Road, Nottingham, NG7 5EH, United Kingdom. Your notice must include your name, address, a description of the Services, and your order reference number.
10.2. Cancellation after receiving a Confirmation Notice
10.2.1. You are entitled to cancel your Contract and obtain a refund before we complete the money remittance Service or within seven working days from the date of the Confirmation Notice, whichever is applicable. This also applies, where appropriate and subject to clause 11.4, to Services made available for download. You will no longer have the right to cancel where, with your agreement, we have already completed providing the Services within this period. Completion of the Service is deemed to have occurred once funds have been deposited into your or the beneficiary’s account, accessed by you or the beneficiary, or where downloadable materials necessary to access funds have been accessed.
10.2.2. You may notify us of your wish to cancel by sending a cancellation notice by email to info@remitcontinental.com or by letter to 163 Radford Road, Nottingham, NG7 5EH, United Kingdom. Your notice must include your name, address, a description of the Services, and your order reference number.
10.2.3. Upon receipt of your cancellation notice, we will contact you with any necessary instructions that you must follow.
10.2.4. Provided you have complied with your obligations under this clause, we will refund the purchase price by crediting the payment card used to purchase the Services.
10.3. Cancelling ongoing Services
10.3.1. Some of the Services we provide are available for either a fixed period or an unspecified period. These are referred to as Ongoing Fixed Term Services and Ongoing Non-Fixed Term Services respectively.
10.3.2. You are entitled to cancel your Contract for any Ongoing Fixed Term Services and Ongoing Non-Fixed Term Services and obtain a refund within seven working days from the date of the Confirmation Notice. This also applies, where appropriate and subject to clause 10.4, to Services that are available to be downloaded.
10.3.3. You will no longer have the right to cancel any Ongoing Fixed Term Services if, with your agreement, we have already commenced providing the Services within seven working days from the date of the Confirmation Notice, unless otherwise expressly agreed by us in writing. We shall be deemed to have commenced providing the Services where you have downloaded products or materials made available to you via the Website/App.
10.3.4. In such circumstances, you may not cancel the Contract for any Ongoing Fixed Term Services until the end of the Minimum Duration (even where the Minimum Duration exceeds one year), and you will not be entitled to a refund unless otherwise expressly agreed by us in writing.
10.3.5. You may notify us of your intention to cancel Ongoing Fixed Term Services at any time; however, such cancellation will only take effect once the Minimum Duration has elapsed. Cancellation notices must be sent by email to info@instantremit.co.uk or by letter to 163 Radford Road, Nottingham, NG7 5EH, United Kingdom, and must include your name, address, a description of the Services, and your order reference number.
10.3.6. We may, at our sole discretion, agree to temporarily suspend Ongoing Fixed Term Services if you are unable to use the Services, such as due to insufficient funds to complete a remittance. At least three working days’ advance notice is required. The maximum suspension period is three weeks in any calendar year. Requests for suspension may be made using the same contact details provided for cancellation.
10.3.7. You retain the right to cancel Ongoing Non-Fixed Term Services even if provision has commenced, provided you give six weeks’ advance written notice. Cancellation notices must be sent by email to info@remitcontinental.com or by letter to 163 Radford Road, Nottingham, NG7 5EH, United Kingdom, and must include your name, address, a description of the Services, and your order reference number.
10.4. Exception to the right to cancel: You will not have the right to cancel an order for Services in the following circumstances:
10.4.1. Where you have expressly agreed to us beginning to provide the Services before the end of the cancellation period.
10.4.2. Where the Contract relates to the sale of financial services.
10.5. Incorrectly priced or described Services
10.5.1. While we take reasonable care to ensure accuracy, errors may occur on the Website/App. Where Services are incorrectly priced or described, we are under no obligation to sell or provide those Services to you.
10.5.2. If an error is discovered before a Confirmation Notice is sent, we may either reject the order or notify you and provide the option to cancel or reconfirm the order at the correct price or description. If we do not receive a response within 14 days of notification, the order will be rejected.
10.5.3. If an error is discovered after a Confirmation Notice has been sent, we may cancel the Contract without liability where the error is obvious and could reasonably have been recognized by you. We will notify you if this occurs.
10.5.4. Where an order is cancelled or rejected and payment has already been made, a full refund will be issued in accordance with clause 10.7.
10.6. Delivery by instalments
10.6.1. Services may be delivered in instalments. You may cancel the outstanding portion of your order and receive a refund for the outstanding Services in accordance with clause 10.7.
10.7. Processing refunds
10.7.1. We will notify you by email within a reasonable time regarding any refund. Refunds will be processed as soon as possible and, in any event, within 30 days from the date we confirm your entitlement to a refund. Refunds will be made to the payment card or electronic payment account used to purchase the Services.
11.1. If you have any comments, concerns, or complaints regarding any Services purchased from us, please contact us by email at info@remitcontinental.com or by post at 163 Radford Road, Nottingham, NG7 5EH, United Kingdom.
11.2. If you are not satisfied with the way we have handled your complaint, you may contact the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London, E14 SR.
12.1. The content of the Website is protected by copyright (including design copyrights), trademarks, patents, database rights, and other intellectual property and proprietary rights. These include, without limitation, rights in materials, works, techniques, computer programs, source code, data, technical information, brand names, goodwill, service marks, utility models, semiconductor topography rights, style or presentation of goods or services, inventions, improvements, confidential information, know-how, research efforts, moral rights, and any similar rights worldwide (whether registered or unregistered). All such rights remain vested in us or our licensors.
12.2. You may download or copy content displayed on the Website only for personal, non-commercial use. Copying or storing Website content for any other purpose is strictly prohibited.
12.3. You may retrieve and display Website content on a computer screen, store it electronically on disk (excluding servers or networked storage devices), or print one copy for personal, non-commercial use, provided all copyright and proprietary notices remain intact. You must not reproduce, modify, distribute, or use any content for commercial purposes.
12.4. Any other use of Website material is strictly prohibited. You agree not to copy, reproduce, transmit, publish, display, distribute, commercially exploit, or create derivative works from such content, nor assist any third party in doing so.
12.5. No license is granted under these Conditions to use any of our trademarks or those of our affiliated companies.
12.6. Services sold by us and Website content may be subject to intellectual property rights owned by third parties, which are acknowledged.
13.1. You may use the Website/App and its content only as expressly permitted under these Conditions and our terms of use.
14.1. Notwithstanding any other provision in these Conditions, nothing shall affect your statutory rights or exclude or limit our liability for:
14.1.1. Death or personal injury resulting from our negligence.
14.1.2. Fraud or fraudulent misrepresentation.
14.1.3. Liability arising under section 2(3) of the Consumer Protection Act 1987.
14.1.4. Any matter for which it would be unlawful to exclude or limit liability.
14.2. The Website/App is provided on an “as is” and “as available” basis. We make no warranties or guarantees, express or implied, statutory or otherwise, regarding the information, materials, content, or Services available on the Website/App, including implied warranties of non-infringement, compatibility, performance, security, accuracy, completeness, or fitness for a particular purpose.
14.3. We shall not be liable if the Website/App is unavailable at any time.
14.4. We make no representation or warranty that the Website/App will be uninterrupted, timely, error-free, secure, or free from viruses or defects, or that any defects will be corrected.
14.5. We will not be responsible or liable for any loss of content or material uploaded or transmitted through the Website/App, and we accept no liability for any loss or damage arising from reliance on any material or information contained on the Website/App.
14.6. We cannot guarantee the security or privacy of the Website/App or any information you provide. You assume the risks associated with internet use. In particular, we will not be liable for damage or loss caused by distributed denial-of-service attacks, viruses, trojans, worms, logic bombs, keystroke loggers, spyware, adware, or other malicious or technologically harmful material that may infect your systems as a result of using or downloading content from the Website/App or any linked website.
14.7. We will use reasonable endeavours to perform our obligations within a reasonable time but will not be liable for any loss, cost, or expense arising directly or indirectly from delays.
14.8. We will not be liable, whether in contract, tort (including negligence), for pre-contract representations (other than fraudulent misrepresentation), or otherwise for:
14.8.1. Any economic losses, including loss of revenue, profits, contracts, business, or anticipated savings.
14.8.2. Any loss of goodwill or reputation.
14.8.3. Any special or indirect losses.
14.8.4. Any loss of data.
14.8.5. Wasted management or office time.
14.8.6. Any other loss or damage arising out of or in connection with these Conditions, the Contract, use of the Website/App, or purchase of the Services, even if foreseeable or arising from a deliberate breach. Where liability cannot be excluded, our total liability shall be limited to the purchase price of the Services.
14.9. Where goods or services are purchased from third-party sellers through the Website/App, the seller’s liability will be governed by their own terms and conditions.
14.10. You agree to fully indemnify, defend, and hold harmless us, our officers, directors, employees, and suppliers against all claims, losses, costs, and expenses (including reasonable legal and administrative costs) arising from your breach of these Conditions or misuse of the Website/App.
14.11. Nothing in this clause affects your statutory consumer rights or your contractual cancellation rights.
15.1. We shall not be liable for any delay or failure in performance caused by events beyond our reasonable control (“Force Majeure”), including but not limited to:
15.1.1. Strikes, lock-outs, or other industrial action.
15.1.2. Shortages of labour, services, power, or resources.
15.1.3. Late, defective, or non-performance by suppliers or subcontractors.
15.1.4. Failure of telecommunications networks, computer systems, or equipment.
15.1.5. Civil unrest, riots, invasion, terrorist activity or threats, war (declared or undeclared), or preparation for war.
15.1.6. Fire, explosion, storm, flood, earthquake, subsidence, epidemic, or other natural disasters or extreme weather conditions.
15.1.7. Impossibility of using transport systems including rail, sea, air, or road.
15.1.8. Acts, legislation, regulations, or restrictions imposed by governments or public authorities.
15.1.9. Any other causes beyond our reasonable control.
15.2. Our obligations will be suspended for the duration of any Force Majeure event. We will use reasonable endeavours to minimize delays and notify you promptly with details of the event and its expected duration where possible.
15.3. If a Force Majeure event continues for more than 30 days from notice, either party may terminate the Contract immediately by written notice.
16.1. In order to monitor and improve customer service, we may record telephone calls.
16.2. We are entitled to process your personal data in accordance with our Privacy Policy. All information provided by you will be handled securely and in compliance with the Data Protection Act 1998 (as amended).
16.3. Full details of our Privacy Policy are available on the Website.
17.1. You agree not to use our Services to commit fraud, money laundering, financial crime, terrorist financing, or any similar unlawful activity. We reserve the immediate right to cancel any Services or account without notice and to report the matter to relevant law enforcement or regulatory authorities where such activity is suspected or detected.
18.1. To provide added value and convenience, we may include links to external websites or resources. Accessing such links is at your own risk. We are not responsible for the availability, content, or operation of external websites and do not endorse them.
18.1.1. The privacy practices of external websites.
18.1.2. The content of such websites, including advertisements, products, services, or other materials.
18.1.3. How third parties use these websites.
18.1.4. Any loss, damage, or offence arising from your use of or reliance on content, products, or services obtained from such websites.
19.1. You must not create a link to the Website from another website, document, or source without our prior written consent.
19.2. Any approved link must:
19.2.1. Link only to the Website’s homepage.
19.2.2. Originate from a website or document owned by you that does not contain offensive, unlawful, or infringing material.
19.2.3. Be presented in a fair and lawful manner that does not damage or exploit our reputation.
19.2.4. Not imply any association, approval, or endorsement by us where none exists.
19.3. We are not required to notify you if the Website homepage URL changes. You are responsible for ensuring that any links you provide remain accurate.
19.4. We reserve the right to withdraw linking consent at any time without notice. Upon receiving such notice, you must immediately remove the link and confirm removal to us.
20.1. All notices given by you to us must be given to us at 163 Radford Road, Nottingham NG7 5EH, United Kingdom, or by email at info@remitcontinental.com. We may give notice as described in clause 2.
20.2. Notice will be deemed received and properly served immediately when posted on our Website, 24 hours after an email is sent, or three days after the date of posting of any letter. In proving service, it shall be sufficient to show that a letter was properly addressed, stamped, and posted, or that an email was sent to the specified email address of the addressee.
21.1. The Contract represents the entire agreement between us in relation to its subject matter and supersedes any prior agreement, understanding, or arrangement between us, whether oral or in writing.
21.2. Each party acknowledges that, in entering into a Contract, it has not relied on any representation, undertaking, or promise not expressly set out in the Contract.
21.3. Neither party shall have any remedy in respect of any untrue statement made prior to the Contract unless such statement was made fraudulently. The sole remedy shall be for breach of contract under these Conditions.
22.1. We reserve the right to change the domain address of the Website/App and any services, products, prices, specifications, and availability at any time.
22.2. All prices and descriptions supersede all previous publications. Product descriptions are approximate.
22.3. We make reasonable efforts to keep service and product availability information up to date but do not guarantee availability at all times.
22.4. If any provision of these Conditions is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
22.5. All Contracts are concluded and available in the English language only.
22.6. Any failure by us to enforce strict performance of any obligation or exercise any right shall not constitute a waiver of such right or remedy.
22.7. A waiver of any default shall not constitute a waiver of any subsequent default.
22.8. No waiver shall be effective unless expressly stated in writing and communicated to you in accordance with clause 3.
23.9. If we fail, at any time during the term of a Contract, to insist upon strict performance of your obligations or exercise any rights or remedies, this shall not relieve you of compliance with your obligations.
23.1. The Website/App is controlled and operated in the United Kingdom.
23.2. Every purchase made through the Website/App shall be deemed to be performed in England and Wales.
22.3. These Conditions and any Contract formed through use of the Website/App shall be governed by the laws of England and Wales, and you irrevocably submit to the exclusive jurisdiction of the courts of England and Wales.
