General Terms and Conditions

1. 1.1

   The General Terms listed below govern the access and use of our 3ribe Platform (Website, IOS and Android) hereinafter called "3ribe App" that enables you send a remittance instruction to transfer money domestically and internationally ("the Service").

2. 1.2

   The English language version of these General Terms is the applicable version for all languages. Any other language version we may provide is for guidance purposes only. Any dispute or claim arising out of or in connection with present General Terms or their subject matter or formation (including non-contractual disputes or claims) will be considered in relation to the English version only.

3. 1.3

   In the present General Terms, the terms "we", "us", "our" refers to 3ribe, a trading name of Grants PaymentSolutions Ltd and "you", "your" refer to any person who accesses and/or uses the Service.

4. 1.4

   It is important that you understand that access and use of the Service is conditional on your acceptance of present Terms and Conditions.

1. 2.1

   Unless otherwise stated, the definitions set out in clause 31 at the end of these General Terms apply to the Agreement.

2. 2.2

   Words in the singular include the plural and those in the plural include the singular unless the context otherwise requires.

3. 2.3

   The use of the word "including" in the Agreement also includes the words "without limitation" immediately following the word "including". Further, any phrase introduced by the words 'including', 'includes', 'in particular' or 'for example' or similar will be construed as illustrative and will not limit the generality of the related general words

4. 2.4

   Any reference to a clause, section, paragraph or Schedule shall mean, reference to such clause, section, paragraph or Schedule of the Agreement, unless otherwise stated.

5. 2.5

   A person includes any natural person, company, corporate or unincorporated body (whether or not having separate legal personality).

6. 2.6

   A reference to a particular law is a reference to it as it is in force for the time being taking account of any amendment, extension, application or re-enactment, and includes any subordinate legislation for the time being in force made under it.

7. 2.7

   Headings are included for convenience and do not impact the interpretation of the operative provisions of the Agreement.

1. 3.1

   These Terms apply to:

   1. 3.1.1

      3ribe (Individuals) – personal money remittance services; and

   2. 3.1.2

      3ribe Business – business money remittance services.

2. 3.2

   These Terms operate under a single consolidated framework, with provisions applicable specifically to Individual Users or Business Users where expressly stated.

3. 3.3

   These Terms must be read together with any applicable product disclosures, onboarding forms, pricing schedules, acceptable use policies, and other Terms of Use, where applicable.

1. 4.1

   Technology Platform Only. 3ribe operates solely as a technology and transaction orchestration platform. We provide user interfaces, workflows, and messaging infrastructure that enable Users to initiate and manage money remittance and related financial instructions.

2. 4.2

   3ribe Services for Individuals. Subject to these Terms, 3ribe enables Individual Users to:

   1. 4.2.1

      send and receive international remittances;

   2. 4.2.2

      execute local transfers where available;

   3. 4.2.3

      access FX-enabled remittance and currency conversion;

   4. 4.2.4

      view transaction history, receipts, and reports;

   5. 4.2.5

      pay bills and purchase airtime or data;

   6. 4.2.6

      categorise expenses and export transaction data; and

   7. 4.2.7

      participate in referral or reward programmes (non-financial incentives only).

3. 4.3

   All funds processing, safeguarding, FX execution, and settlement are provided exclusively by Licensed Financial Institutions.

4. 4.4

   3ribe Business Services. 3ribe Business is a business remittance platform enabling organisations to send, receive, and disburse funds domestically and internationally at scale. 3ribe Business enables Business Users to:

   1. 4.4.1

      execute supplier, partner, payroll, and operational payouts;

   2. 4.4.2

      manage cross-border remittances and liquidity;

   3. 4.4.3

      access FX-enabled settlement workflows.

5. 4.5

   No Payment Gateway or Acquiring. 3ribe does not provide payment gateway, acquiring, card processing, or merchant services. All services operate strictly as remittance and settlement workflows.

6. 4.6

   Conditional Onboarding. We have no obligation to provide services until onboarding is completed and approved. Access may be refused, suspended, withdrawn, or revoked at any time in our discretion and in compliance with applicable law.

7. 4.7

   Third-Party Regulated Financial Services. All regulated financial services — including but not limited to fund safeguarding, settlement, FX execution, account provision, and payment processing, are provided exclusively by Licensed Financial Institutions, not by 3ribe.

8. 4.8

   No Banking or Payment Institution Role. For the avoidance of doubt, 3ribe:

   1. 4.8.1

      is not a bank, deposit-taking institution, or payment institution;

   2. 4.8.2

      does not hold customer funds as a store of value;

   3. 4.8.3

      does not issue accounts, IBANs, wallets, or payment instruments;

   4. 4.8.4

      does not guarantee instant, same-day, or real-time settlement; and

   5. 4.8.5

      does not provide acquiring, gateway, scheme-facing, or merchant services.

9. 4.9

   Additional Services. We may agree to provide you such associated or related services or products ("Additional Services") as we may offer to you from time to time. Additional Services provided by us or any of our Affiliate will be detailed in and will be subject to additional terms and conditions set out in respective Schedule to this Agreement.

10. 4.10

    Service standards. We shall provide the Services to you in accordance with these Terms, and with reasonable care and skill.

11. 4.11

    License to Use: We grant you a limited, personal, revocable, non-exclusive, non-transferable, non-sub-licensable licence to use and access the 3ribe App solely for the purposes, and in accordance with the terms set out in this Agreement.

1. 5.1

   By using the Services as an Individual User, you warrant that you are at least 18 years old and that you have a legal capacity to enter into legally binding contracts.

2. 5.2

   By using the Services as a Business User, you warrant and represent that:

   1. 5.2.1

      your business is incorporated and authorised to transact;

   2. 5.2.2

      your representatives are properly authorised; and

   3. 5.2.3

      all information submitted during onboarding remains true, accurate, and complete.

3. 5.3

   Without prejudice to your rights in relation to any transaction for Services in relation to which we issued a Confirmation (in accordance with clause 6 below), we reserve the right, at any time, to terminate or suspend your access to the Service without prior notice if:

   1. 5.3.1

      You use the Services or attempt to use it for any Prohibited Purpose;

   2. 5.3.2

      You attempt to transfer or charge money from an account that does not belong to you;

   3. 5.3.3

      We receive conflicting claims regarding ownership of or the right to withdraw money from a debit card account;

   4. 5.3.4

      You have provided us with false evidence of your identity, or you keep failing in providing us with true, accurate, current and complete evidence of your identity or details regarding transactions;

   5. 5.3.5

      You attempt to tamper, hack, modify, overload, or otherwise corrupt or circumvent the security and/or functionality of the 3ribe App or to infect it with any Malicious Code;

   6. 5.3.6

      You are in breach of these Terms and Conditions;

   7. 5.3.7

      We have reason to believe that any of the foregoing has occurred or is likely to occur; or

   8. 5.3.8

      A Compliance Officer has taken a discretionary decision to do so.

4. 5.4

   We may rely on any instructions given through your account credentials or authorised representatives.

1. 6.1

   Authorised Instructions. Only authorised users or approved representatives may initiate Transactions. You are responsible for all actions performed using your credentials

2. 6.2

   Transaction Initiation. After you place a money transfer transaction via 3ribe App using the beneficiary information, an e-mail will be sent to you acknowledging that your order has been received. After you place a money transfer order via a mobile phone number, you will receive a transaction confirmation in the 3ribe App. Please note that this does not mean that your order is accepted.

3. 6.3

   Transaction Confirmation. A transaction constitutes solely an attempt to transact to our services, which is subject to our discretionary acceptance. Such acceptance will be communicated to you either (a) via e-mail confirming that we are processing your request or (b) through a confirmation in the 3ribe App. (hereinafter called "Transaction Confirmation"). The contract between you and us (hereinafter called "Transaction Contract") will only be formed when the Transaction Confirmation has been sent.

4. 6.4

   Settlement and Availability of Funds. Settlement and availability of funds are determined solely by the underlying Licensed Financial Institutions and relevant payment corridors. You consent to the sharing of your data with regulated financial institutions, authorities, and cross‑border service providers for compliance, fraud prevention, and regulatory purposes.

5. 6.5

   Irrevocability. We reserve the right to refuse to perform any of the Services (including after Transaction Confirmation) if:

   1. 6.5.1

      We are unable to obtain satisfactory evidence of your identity;

   2. 6.5.2

      You provide us with false, incorrect or incomplete information;

   3. 6.5.3

      We are unable to reach you via contact details provided by you;

   4. 6.5.4

      Your remittance transaction, information or documentation is not provided sufficiently in advance to allow us to process it in accordance to your request;

   5. 6.5.5

      You attempt to tamper, hack, modify, overload, or otherwise corrupt or circumvent the security and/or functionality of the Application or to infect it with any Malicious Code;

   6. 6.5.6

      You are in breach of these Terms and Conditions;

   7. 6.5.7

      You or the remittance transaction you placed are in breach of any applicable laws or regulations or are made for a Prohibited Purpose;

   8. 6.5.8

      Processing the Service in accordance with your transaction may expose us to liability;

   9. 6.5.9

      We are unable to process your transfer due to variations in business hours, currency exchange or currency availability issues or due to any Force Majeure Event;

   10. 6.5.10

       We have reason to believe that any of the foregoing has occurred or is likely to occur; or

   11. 6.5.11

       A Compliance Officer has taken a discretionary decision to do so.

1. 7.1

   After we process your transaction for your Beneficiary, a Transaction Confirmation e-mail will be sent to you with the following information:

   1. 7.1.1

      A transaction reference number,

   2. 7.1.2

      A confirmation of the exact amount we are sending to the Beneficiary on your behalf in both pay in and pay out currencies,

   3. 7.1.3

      A confirmation of the Fee that has been charged,

   4. 7.1.4

      An exchange rate applied to your transaction,

   5. 7.1.5

      Required information and documents or IDs needed from the beneficiary in order to collect the money,

   6. 7.1.6

      An estimated time when the money will be available to the Beneficiary,

   7. 7.1.7

      Any relevant information about the company such as trading name, address, contact details and regulators.

If funds are sent via a Beneficiary form, before your transaction is complete you will be provided with the following information:

1. 8.1

   One-time-Password (OTP) to your registered mobile number and email address, which is needed to confirm and to proceed with the remittance transaction,

2. 8.2

   The amount the beneficiary will receive,

3. 8.3

   The total Fee that you will be charged,

4. 8.4

   Converted amount of the exchange rate that we will apply to your transaction,

5. 8.5

   Reference number needed from the Beneficiary in order to collect the money (in case of cash pick-up),

6. 8.6

   Estimated time it will take for the funds to be made available to the Beneficiary.

1. 9.1

   The prices for the Service consist of FX Spread and the Fees.

2. 9.2

   Our Fees vary from time to time, but changes in the Fees will not apply to any transactions in respect for which we have already sent you the Transaction Confirmation.

3. 9.3

   If you remit via a beneficiary form you can pay for the transaction via bank transfer, debit card and alternative payment methods (online bank fund transfer where available).

4. 9.4

   If you pay by debit card it will be charged as soon as we accept your request for the remittance transaction.

5. 9.5

   When you pay by debit card and your transaction is refused by your bank or by the card issuer, your bank account will not be debited. However, it is possible that your bank or the card issuer might hold the amount you tried to send. If this happens you will need to contact your bank or card issuer to resolve the issue.

6. 9.6

   Discounts on our Fees may be available through promotions that we or our partners may offer from time to time. Promotions are subject to terms and conditions and will be honoured in accordance with their published terms only.

1. 10.1

   Regulatory Compliance Obligations. All use of the Services and all Transactions are subject to applicable laws, regulations, regulatory guidance, court orders, and the compliance requirements of 3ribe and its partner Licensed Financial Institutions, including without limitation those relating to anti-money laundering, counter-terrorist financing, sanctions, fraud prevention, tax reporting, consumer protection, and financial crime risk management (together, "Compliance Requirements").

2. 10.2

   Verification and Due Diligence. You acknowledge and agree that you may be required to undergo identity verification (KYC), business verification (KYB), beneficial ownership verification, source-of-funds and source-of-wealth checks, and ongoing due diligence, both at onboarding and on a continuing basis. You must provide complete, accurate, current, and verifiable information and documentation upon request and promptly notify 3ribe of any changes thereto.

3. 10.3

   Transaction Monitoring and Controls. All Transactions are subject to automated and manual screening, monitoring, filtering, and risk assessment by 3ribe and its Licensed Financial Institution partners. 3ribe may impose transaction thresholds, velocity controls, geographic or corridor restrictions, currency restrictions, time-based cut-offs, and other operational or compliance controls at any time, with or without notice, where permitted by law.

4. 10.4

   Delays, Suspensions, Blocks, and Reversals. Without limiting any other rights, we may delay, suspend, reject, freeze, reverse, block, cancel, refuse to process, or impose conditions on any Transaction or account where:

   1. 10.4.1

      required by law, regulation, court order, or governmental authority;

   2. 10.4.2

      required by a Licensed Financial Institution, correspondent bank, clearing system, or payment scheme;

   3. 10.4.3

      we reasonably suspects fraud, financial crime, sanctions exposure, or prohibited activity;

   4. 10.4.4

      information provided is incomplete, inaccurate, misleading, unverifiable, or outdated;

   5. 10.4.5

      the Transaction exceeds applicable limits or risk thresholds; or

   6. 10.4.6

      continuation would expose us, our partners, or the financial system to legal, regulatory, financial, or reputational risk.

5. 10.5

   Such actions may occur before or after Transaction initiation or execution and may result in funds being delayed, withheld, returned, seized, or otherwise restricted in accordance with applicable law.

6. 10.6

   No Disclosure of Monitoring Methodologies. You acknowledge and agree that we are not required to disclose the existence, design, parameters, thresholds, logic, or operation of its compliance programs, monitoring systems, risk scoring models, screening tools, or investigative methodologies.

7. 10.7

   Information Requests and Compliance Outreach. 3ribe, its Compliance Officer, or its Licensed Financial Institution partners may, at any time, request additional information, documentation, confirmations, certifications, or explanations relating to your identity, business activities, ownership structure, source of funds, source of wealth, Transactions, counterparties, or intended use of the Services. You agree to respond promptly, completely, and truthfully to such requests. Failure to do so may result in delays, suspension, refusal of Transactions, account restrictions, or termination of Services.

8. 10.8

   Reporting and Disclosure to Authorities. 3ribe and its partners may report Transactions or user information to regulators, law enforcement, financial intelligence units, tax authorities, or other competent authorities where required or permitted by law, without notice to you and without liability to you.

9. 10.9

   No Obligation to Process Transactions. Nothing in these Terms obligates us to process or complete any Transaction. We may refuse any Transaction or discontinue Services to any user at any time where required by law or where we determine, in our reasonable discretion, that continuation would be inconsistent with our compliance obligations or risk appetite.

10. 10.10

    User Representations and Ongoing Warranties. You represent and warrant on an ongoing basis that:

    1. 10.10.1

       all information you provide is true, accurate, complete, and not misleading;

    2. 10.10.2

       your use of the Services and all Transactions comply with applicable laws;

    3. 10.10.3

       funds used are derived from lawful sources; and

    4. 10.10.4

       you are not acting on behalf of any undisclosed third party or prohibited person.

11. 10.11

    Survival. This clause shall survive termination of your account or these Terms to the fullest extent permitted by law.

1. 11.1

   You have a right to cancel a remittance instruction before payment has been made to the Beneficiary. If you have send money via a beneficiary form, you may exercise this right by: Emailing us at: [support@grantspayment.com]

2. 11.2

   If you exercise your right to cancel the transaction after you have already paid us the funds to be transferred:

   1. 11.2.1

      we will refund money paid by you and intended for a Beneficiary only under the condition that it has not already been paid out to the Beneficiary in accordance with your original instructions prior to the cancellation request; and

   2. 11.2.2

      we reserve the right to retain the Fees charged for the Service (and we may charge you with those Fees if they have not yet been paid); and

3. 11.3

   If by the time you notify us of the cancellation of the transfer we have already sent the money to one of our partners in the country of destination, we may not be able to successfully cancel the order, given that the cancellation procedures with our partners differ in length and complexity, as well as often require communication across time zones.

4. 11.4

   Refunds can take up to [7] working days to be processed, and this depends as well on the customer's bank processes, which are beyond our control.

5. 11.5

   We reserve the right not to refund amounts smaller than [£3] and charge a refund fee of [£3] or (according to the currency with which you pay us) if the refund has been requested by the customer with no fault of our own.

6. 11.6

   If we do not remit the money to the Beneficiary in accordance with a remittance instruction within [30] days after your instructions have been received, provided that you correctly followed our procedures and complied with all our policies, you may ask for a refund of the money transferred to us and intended for the Beneficiary.

7. 11.7

   If the Beneficiary does not collect the money within [1 month] after the date it became available for collection, all rights of cancellation of the remittance or refund of the remittance or the Fees shall be deemed to be waived by you.

8. 11.8

   Your remittance instruction expires after [1 month]. In case the money has not been collected (in the case of cash pay-out) or the remittance instruction requires a correction, we reserve the right to cancel your transaction without prior notice to you and to refund to you the amount that was to be transferred. The refund will not include the Fees paid for the Service, which we will retain.

9. 11.9

   Any timelines displayed or communicated are indicative only and are not guaranteed.

1. 12.1

   All promotions, or special offers run by 3ribe are subject to promotion specific terms and conditions.

2. 12.2

   In certain cases, we may conclude promotions, special offers before the end of the advertised period or may prolong the period of a promotion, special offer usually due to abuse, limited up-take of the offer or error.

3. 12.3

   3ribe reserves the right to disqualify certain customers from promotional offers.

4. 12.4

   In the event that 3ribe reasonably suspects that a user of our service has abused, is abusing or is attempting to abuse the promotion, or is likely to benefit through abuse or lack of good faith from a policy adopted by the 3ribe, then 3ribe may, at its sole discretion, deny, withhold or withdraw from any user any promotion, or rescind any policy with respect to that user, either temporarily or permanently, or terminate that user's access to that user's account.

1. 13.1

   We value your feedback as it helps us improve our service. We have established internal procedures for complaints. You can make a complaint in writing to us regarding any aspect of the Service through e-mail or via our customer service hotline:

   1. 13.1.1

      Email using the email address: [support@grantspayment.com]

   2. 13.1.2

      Customer Service Hotline: [+44 7457 410327]

2. 13.2

   We will investigate your complaint and use reasonable endeavours to come back to you with the results of our investigation within [7] working days after receipt of your complaint.

1. 14.1

   3ribe, a trading name of Grants PaymentSolutions Ltd is authorized and regulated by the Financial Conduct Authority, under the Payment Services Regulations, 2017, for the provision of payment services. FCA Registration No. (FRN 802287).

2. 14.2

   Grants PaymentSolutions Ltd is licensed and regulated by HMRC as a Money Services Business. Our MLR number is XNML00000173125

3. 14.3

   We can be contacted via the following means:

   1. 14.3.1

      Address: [Suite Ceme Innovation Centre, Marsh Way, Rainham, Essex, RM13 8EU]

   2. 14.3.2

      Email using the email address: [support@grantspayment.com]

   3. 14.3.3

      Customer Service Hotline: [+44 7457 410327]

   4. 14.3.4

      Website: [https://3ribe.io]

1. 15.1

   As a fully regulated institution and with a purpose of providing the Service we are bound by the legal requirements to obtain, verify and record information about our customers as stated on our Terms of Use under Client Registration. Therefore, we may request from you or consult any legal sources to obtain and validate your personal data when offering the Service to you.

   1. 15.1.1

      Your personal information will be treated and processed securely and strictly in accordance with applicable laws and regulations.

   2. 15.1.2

      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.

   3. 15.1.3

      We may disclose customer information if we are required to do so by law, by court order, by any statutory, legal or regulatory requirement, by the police or any other competent authorities in connection with the prevention or detection of crime or to help combat fraud, money laundering and terrorism financing. We may also report suspicious activity to appropriate competent law enforcement or government authorities.

   4. 15.1.4

      For more details and information regarding the confidentiality, privacy and security please refer to our Privacy Policy which can also be found at: [Provide Privacy Policy Link on Website]

1. 16.1

   To the extent permitted by applicable law, you shall indemnify, defend and hold harmless 3ribe, Grants PaymentSolutions Ltd, all Grants Payment Group, and each of their directors, officers, employees, suppliers, MNOs, licensors and agents (the "Indemnified Parties"), from and against any and all losses, damages, claims, costs (including legal costs incurred in defending any such actions, claims or proceedings), expenses, actions, claims and proceedings whatsoever, which may be brought or commenced against any Indemnified Party by any person or which any Indemnified Party may sustain, incur or suffer, as the case may be, arising out of or in connection with or by reason of: (a) your use of the Service; (b) any Transaction carried out pursuant to any Transaction Request made by you; or (c) your breach of any provision of these General Terms, save where such losses, damages, claims, costs, expenses, actions, claims and proceedings are directly and solely caused by our gross negligence or wilful misconduct.

2. 16.2

   Your obligations under this Clause 16 shall survive any termination of your relationship with us or your use of the Service. We reserve the right to assume the defence and control of any claims, demands and actions, subject to indemnification by you, in which event you shall cooperate with us in asserting any available defences.

1. 17.1

   If a remittance transaction is delayed or failed, you may have a right to receive a refund or reversal under FCA Regulations. Please contact us at [support@grantspayment.com] for more information regarding refunds and reversals. A refund or reversal request should be made without undue delay, and in any event not later than 13 months after the debit date.

2. 17.2

   Claims for refund or compensation must be supported by all available evidence.

3. 17.3

   If a remittance transaction in accordance with a transaction you made and that we Confirmed is delayed or failed and you are not entitled to a refund or compensation under the FCA Regulations, we expressly limit our liability in respect of any such delayed or failed transfer (including for any claimed refund) to the greater of: (a) the amount of any service charge that was paid to us. The foregoing cap on our liability applies to any single transaction, act, omission or event and to any number of related transactions, acts, and omissions or events.

4. 17.4

   Except as provided in clause 8.5, we shall not be liable to you or to any third party in relation to the Services, whether for breach of contract, tort (including negligence), misrepresentation, unjust enrichment or any other grounds, for any indirect, incidental, consequential or special damages including any loss of profits or savings or anticipated profits or savings, loss of data, loss of opportunity, loss or reputation, goodwill or business or any economic loss, even if we are advised in advance of the possibility of such loss.

5. 17.5

   Nothing in this clause shall:

   1. 17.5.1

      Exclude or limit liability on our part for death or personal injury resulting from our negligence,

   2. 17.5.2

      Exclude liability for our fraud, our wilful misconduct or gross negligence.

6. 17.6

   We are not liable for the quality, safety, legality, or delivery of the goods or services that you pay for using the Services.

7. 17.7

   We shall not be liable for any delay in the delivery of funds to the beneficiary due to omissions, incorrect or incomplete information furnished by you.

8. 17.8

   We shall not be liable for any breach of our obligations under the Contract to you nor for any failure or delay in performance of any obligations under the Contract arising from or attributable to acts, events, omissions or accidents beyond our reasonable control, including, without limitation, where our failure to perform our obligations arise from:

   1. 17.8.1

      an act of God, fire, flood, earthquake, windstorm or other natural disaster, explosion or accidental damage, war, threat of or preparation for war, armed conflict, imposition of sanctions, embargo, export controls, breaking off of diplomatic relations or similar actions, terrorist attack, civil war, civil commotion or riots, pandemic or epidemic, industrial disputes, shortages of raw materials or components, general disruptions to transportation, telecommunication systems, power supply or other utilities;

   2. 17.8.2

      the acts, decrees, legislation, regulations or restrictions imposed by any government or state;

   3. 17.8.3

      the actions or omissions of the third parties;

   4. 17.8.4

      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;

   5. 17.8.5

      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; or

   6. 17.8.6

      any Malicious Code interfering with the Service (each, a "Force Majeure Event").

9. 17.9

   Our performance under the Contract shall be deemed suspended for the period that the Force Majeure Event continues and the time for performance will be extended for the duration of that period. We will use our reasonable endeavours to find a solution by which our obligations under the Contract may be resumed despite the Force Majeure Event.

1. 18.1

   You will not use the Service unless you are at least 18 years old and you have a legal capacity to enter into legally binding contracts.

2. 18.2

   The Fees for each Service we have provided to you have to be paid.

3. 18.3

   You shall comply with these Terms and Conditions as well as with any applicable laws, rules and regulations.

4. 18.4

   In relation to your registration and use of the Service you will:

   1. 18.4.1

      Provide us with accurate, current, complete and true evidence of your identity and any additional information or evidence we may require to confirm your identity;

   2. 18.4.2

      Supply us with all information and documentation we may ask in order to process your transfer and to comply with any legal requirements applicable to us or to our partners (including without limitation, the FCA Regulations and the Money Laundering Regulations);

   3. 18.4.3

      Update all information you provide to us to keep it accurate, current, complete and true;

   4. 18.4.4

      Not use the Service for or in connection with any Prohibited Purpose or attempt to tamper, hack, modify, overload, or otherwise corrupt or circumvent the security and/or functionality of the Application or to infect it with any Malicious Code;

   5. 18.4.5

      Remittance transaction only from your own debit card or bank account. You may not submit a remittance on behalf of another person;

   6. 18.4.6

      Not open more than one account with us;

   7. 18.4.7

      Keep your Reference Number secure, you must not share the Reference Number or any other transaction details with anybody except the Beneficiary;

   8. 18.4.8

      Use the Service to remit money only to people that you know personally or to pay for goods and services purchased from suppliers of whom you have sufficient knowledge and whose identity you verified. You acknowledge that we have no control over the suppliers or over the goods and services for which you use our Services to make payments and we have no responsibility for the quality, safety, legality, or the delivery of such goods or services to you.

5. 18.5

   You understand and accept that:

   1. 18.5.1

      We are legally obliged to retain information about our users and the transactions that we process for up to [5 years] or as may be required from time to time by applicable law or by any regulatory authorities;

   2. 18.5.2

      You are giving us explicit and full consent to access, process and retain your personal data for the provision of payment services and for the prevention of Money Laundering and Terrorist Financing, and to prevent other related crimes or fraudulent activities and all applicable laws that may apply.

   3. 18.5.3

      All currency converted as part of the Service will be converted using our exchange rate (as published on the Website or Application or as may be communicated to you before we issue a Transaction Confirmation);

   4. 18.5.4

      We reserve the right to increase the FX Spread when the markets are closed (weekends, bank holidays) to prevent loss stemming from currencies fluctuating and ensure pay-outs for our customers (we will still display the rate that we are offering on the homepage and the final rate on the confirmation page before confirming the transaction);

   5. 18.5.5

      You will be liable to us for all losses which we suffer or incur in relation to any fraud or fraudulent activity by you;

   6. 18.5.6

      You must contact us as soon as possible if you believe or suspect that a transfer of funds was not executed properly or that the amount has not been received or was only partly received;

   7. 18.5.7

      It is your responsibility to inform the Beneficiary of the information he/she will need to provide in order to collect the money you sent through the Service (such as personal identification, the exact amount of the remittance instruction and the Reference Number).

1. 19.1

   Applicable laws and regulations require that some of the information we send to you or communications between you and us should be in writing. You agree to receive such written communications electronically. You also agree that electronic means of communication shall be effective for the purpose of the Contract between you and us. The foregoing does not affect your statutory rights.

1. 20.1

   All notices given to us must be in the English Language and sent to us, [Suite Ceme Innovation Centre, Marsh Way, Rainham, Essex, RM13 8EU]. We may give notices to you in connection with any aspect of the Service or any remittance instructions either through the e-mail address or the address that you provided to us or in any other way permitted pursuant these Terms and Conditions. Notices to you will be deemed received and properly served immediately after an e-mail is sent to you at the address you provided, or where a notice is sent to your physical address.

1. 21.1

   We shall be entitled, without your consent, to transfer our rights and obligations under these Terms and Conditions and under any Contract to any of our affiliates or to any entity or person that acquires our business. Any such transfer of rights and obligation will have effect upon notice being given to you (including notices given through our Website and Mobile Application).

2. 21.2

   We are entitled to perform our obligations to you through subcontractors, agents and other third party service providers.

3. 21.3

   You may only transfer your rights and obligations under the Contract if we have agreed for this in writing.

1. 22.1

   If we fail, at any time during the term of the Contract, to insist upon strict performance of any of your obligations under the Contract or any clause of these Terms and Conditions, or if we fail to exercise any of the rights or remedies to which we are entitled under the Contract or by law, this will not constitute a waiver of such rights or remedies and will not relieve you from compliance with such obligations.

2. 22.2

   A waiver by us of any default will not constitute a waiver of any subsequent default.

3. 22.3

   No waiver by us of any term in these Terms and Conditions will be effective unless it is expressly stated to be a waiver and is communicated to you in writing in accordance with these Terms and Conditions.

1. 23.1

   If any court or competent authority holds that any of the provisions of these Terms and Conditions or any provisions of the Contract are invalid, unlawful or unenforceable to any extent, that shall not affect the other terms of these Terms and Conditions or the Contract which will continue in full force and effect to the fullest extent permitted by law.

1. 24.1

   These Terms and Conditions and any document expressly referred to in them constitute the whole agreement between us and you and supersede all previous discussions, correspondence, negotiations, previous arrangement, understanding or agreement between us and you relating to the subject matter hereof.

2. 24.2

   You acknowledge that, in entering into the Contract and accepting these Terms and Conditions, you do not rely on, or will have no remedies in respect of, any representation or warranty (whether made innocently or negligently) that is not expressly set out in these Terms and Conditions or the documents referred to in them.

3. 24.3

   Nothing in this clause limits or excludes any liability for fraud.

1. 25.1

   We reserve the right to revise, amend or replace these Terms and Conditions from time to time.

2. 25.2

   Our Terms and Conditions in force at the time that you request remittance instructions Services from us will have effect between you and us for the purpose of that remittance instruction. We may notify you of a change to the Terms and Conditions after you place a remittance instruction but before we send you the Confirmation, in which case, unless you notify us within a reasonable period of time and in any event within seven (7) days that you wish to cancel the transaction, the revised Terms and Conditions will apply

1. 26.1

   A person who is not a party to this Agreement shall have no rights to enforce the provisions of this Agreement under the Contract.

1. 27.1

   Contracts for the usage of our services using the Mobile Application and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) will be governed by the laws of England and Wales. Any dispute or claim arising out of or in connection with such contracts or their formation (including non-contractual disputes or claims) will be resolved in accordance with 3ribe's Terms of Use and the courts of England.

1. 28.1

   The 3ribe App, the content, the name Grants PaymentSolutions Ltd and other names, logos, signs, domain names, email addresses and other indications of origin displayed on the Mobile Application relating to our products and/or services and all intellectual property (IPRs) relating to them and contained in them (including but not limited to copyrights, patents, database rights, design right, trademarks,) are owned by us, our affiliates or third party licensors. Other names and logos of third-party product, service and companies displayed on the Mobile Application may be the trademarks of third parties. You shall not acquire any right, title or interest in any such IPRs by reason of the Services or the Contract and all right, title and interest in and to the Mobile Application shall remain our property and/or the property of such other third parties.

2. 28.2

   You may use the 3ribe App only for the purpose of the bona fide use of our Services as an individual consumer and only as permitted by these Terms and Conditions or described on the 3ribe App. You are authorized solely to view and to retain a copy of the screens of the 3ribe App for your own personal use. The 3ribe App and the Services may not be used for the purpose of testing the Service or to obtain information about the Service or about us. You are not allowed to duplicate, publish, modify, create derivative works from, participate in the transfer, post on the internet, or in any way distribute or exploit the 3ribe App or any portion thereof for any public or commercial use without our express written permission. You cannot: (a) use any robot, spider, scraper or other automated device to access the 3ribe App or to use the Service; and/or (b) remove or alter any copyright, trademark or other proprietary notice or legend displayed (or printed screens from the 3ribe App).

1. 29.1

   These terms and conditions are in accordance with the laws of UK, and we reserve the right to change these terms and conditions and to terminate at any point in time. We also accepts no liability for any use of the 3ribe App that doesn't comply with this agreement

1. 30.1

   Fair Treatment of Customers. We are committed to ensuring that you, as our customer, are treated fairly. In compliance with the UK's Financial Conduct Authority (FCA) Consumer Duty regulations, we strive to ensure that all our services are designed to deliver good outcomes for you and meet your expectations. We will act in your best interests and ensure that our services are delivered in a manner that is fair, transparent, and accessible.

2. 30.2

   Clear, Transparent and Timely Information. We will provide you with clear and accurate information about our services, including fees, exchange rates, and other charges, in a timely manner. Our communication will ensure that you have all the necessary information to make informed decisions about using our services. This includes providing you with the expected delivery times, currency conversion details, and any associated risks or changes that may affect your transaction.

3. 30.3

   Suitability of Products and Services. We will ensure that our products and services are suitable for your needs. If you ever feel that our services do not meet your requirements, please contact us so we can work together to find a solution. We aim to offer services that are appropriate and beneficial for you, based on your personal circumstances.

4. 30.4

   Customer Support and Accessibility. We are dedicated to providing accessible customer support. Should you need assistance or clarification on any aspect of our service, you can contact us via our customer service hotline or email. Our goal is to make sure you fully understand the services you are using and to assist you in resolving any issues you may encounter.