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Terms and Conditions
UNITY LINK FINANCIAL SERVICES LTD MONEY TRANSFER IS SUBJECT TO THE FOLLOWING CONDITIONS:-
MONEY TRANSFER SERVICE
These Terms and Conditions govern the money transfer services provided to you by Unity Link Financial Services Limited of
158-160 Balham High Road,
London, SW12 9BN
referred to as "we/our/us".
Our Head office address is
158-160 Balham High Road, London, SW12 9BN
Telephone number: 0208 772 2160,
Fax number: 0208 675 3716,
email: info@unitylink.com.
The contact details of our branch or agent from which the service is provided to you are given upon request.
We are authorized by the Financial Services Authority under the Payment Services Regulations 2009 (registration number: 504521) for the provision of payment services.
SENDING PAYMENTS
Transfer Request Form must be completed in full with the full name of sender, address, telephone number and customer number (if you have been given one).
Recipient name must be as it appears on their VALID photo identifications for example, Passport, voters ID card, Driver's license etc.
The Sender must present a valid form of identification in accordance with Unity Link’s policies.
Sender and Receiver certifiesto Unity link that their use of the Services shall not in any way, directly or indirectly, (a) violate any law, statute, ordinance, contract or regulation, including but not limited to any law, statute, ordinance, contract or regulation relating to money laundering, illegal gambling activities, support for terrorist activities, fraud or theft, and/or (b) violate any of the Terms and Conditions of use. When required by applicable law, money transfers will be reported to Custom & Excise, SOCA or foreign authorities. In addition, Unity Link will cooperate with law enforcement in the prosecution of illegal activities to the fullest extent permitted by applicable law. You will be required to provide Unity Link with certain information to allow us, among other things: to verify your identity and source of funds to be transferred.
You agree that the information you provide is not false, inaccurate or misleading.
TELEPHONE TRANSACTIONS
Subject to all the clauses specified herein, the following terms will apply to telephone transfers: (i) You agree to transfer funds in to our bank account immediately without any undue delay; (ii) You agree to provide your valid Photo ID and Proof of Address for registering before carrying out any transfers into our bank account.
We may, in Our sole discretion, refuse any transaction for any of the following reasons: (i) We do not receive credit of your funds in our account; (ii) the account from which the money is transferred or the card being used belongs to a third party; (iii) we have reason to believe that there may be some fraudulent activity involved.
You want the transaction processed on the same day, You need to submit the details and make payments for the transaction on or before 3pm GMT (Monday to Friday).Those that are received after the cut off time will be processed on the same day, but released along with the following business day’s transactions.
CURRENCY EXCHANGE
The exchange rate on the day of the transfer will be used for your transaction.
You agree that payment will be made to recipient in local currency. The Exchange rate is subject to change without prior notification.
FEES AND CHARGES
In consideration for the use of the Service, you agree to pay to Unity Link a fee for each money transferred by you at the applicable rate then in effect (the "transfer fee"). The applicable transfer fee for your transaction will be provided to you prior to your final authorization of the transaction.
Timing
Regular transfer is usually available within minutes for pick up by the recipient, Subjected to opening hours of the receiving agent location.
When recipient account payments are made, Unity Link will guarantee and prove payment into a branch of the bank. You agree thereafter that Unity Link cannot take responsibility as to the length of time it will take for funds to be available in recipient account. You agree that Unity Link will not be liable for errors in account payments for any reasons whatsoever.
You agree that payment made into our accounts will need to be cleared by the bank before such transaction can be approved.
If we did not receive your payment instruction before 3pm on our business day (or if we received it on a day which is not a business day for us), we will treat it as if we received it on the next business day.
Delays and other restrictions apply to certain transactions. Please call us for further details.
REFUNDS AND CHANGES OF PAYEE DETAILS.
REFUNDS OF PRINCIPAL AMOUNT and cancellation of the money transfer will be made upon written request of the Sender if payment to the Receiver has not yet been made at the time the request is processed by Unity Link.
You agree that Unity Link will only refund the TRANSFER FEES if the request is made the same day the transfer was processed.
Unity Link will therefore NOT refund TRANSFER FEES a day or more after the transaction has been processed .You agree that REFUND OF CAPITAL AMOUNT can only be made within 14 WORKING DAYS from the day of request for cancellation. Unity Link will refund your funds into your bank account or a cheque payable to the sender’s details provided for the transfer.
At the discretion of the company, before money is paid to beneficiary and at your request, Unity Link may agree to change the details of the payee once provided. For any subsequent request for change, the sender will have to apply, submitting an acceptable photo identification of themselves together with a reason for making such changes to our branch or agent from which the service was provided. There may be a charge for carrying out such changes.
COMPLIANCE AND DATA PROTECTION
The money transfer will be subject to laws related to monetary transactions in the United Kingdom/intermediary/destination countries and may be blocked/freezed in case found suspicious. The Customer and their recipient will be fully responsible to provide necessary evidence/clarification to prove legality of entities/funds.
Applicable laws prohibit money transmitters from conducting business with certain individuals and countries. In order to comply, Unity Link is required to screen all transfers against a list of names provided by various governments and/or government agencies. If a potential match is found, we will suspend the transfer and request additional information on either the sender or the receiver, as necessary.
We will report money transfers to any government authorities if We are required to do so by law.
In using the money transfer service, We may need to send Your details to third parties. We are committed to protecting Your privacy. We may use Customer and recipient’s personal information and the details of transfer and store them on our database, in order to provide the customer and the recipient with our services, for managing our business and market research s permitted by applicable law. The Customer must have the recipient’s consent to share his/her personal information with Us We may for those purposes share information with Our group or other companies/institutions which maybe located within or outside the EEA.
The Customer may request access to his/her personal information, ask for the information to be corrected or updated or, for legitimate reason, oppose its processing, by writing or emailing to us.
We maintain records of your transaction history to the extent required under applicable law. Records will be updated on continuing basis as transactions are made and received.
You agree to provide Unity Link with valid and up do date identity documents upon request and also You also agree that it is Your responsibility to update Your details and identity documents with Us as and when required.
LIMITATION OF LIABILITY
IN NO EVENT SHALL UNITY LINK BE LIABLE FOR DAMAGES FOR ANY DELAY, NONDELIVERY, NONPAYMENT OR UNDERPAYMENT OF ANY MONEY TRANSFER, OR ANY SUPPLEMENTAL MESSAGE, WHETHER CAUSED BY NEGLIGENCE ON THE PART OF ITS EMPLOYEES, SUPPLIERS OR AGENTS OR OTHERWISE, BEYOND THE SUM OF £0.00 (in addition to refunding the principal amount of the money transfer). IN NO EVENT WILL UNITY LINK BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL EXEMPLARY OR PUNITIVE DAMAGES, OR THE LIKE. THESE CONDITIONS CANNOT BE CHANGED OR SUPPLEMENTED ORALLY.
Unity Link reserves the right to limit the principal amount of a money transfer, or to reject a proposed money transfer, in its sole discretion. Unity Link assumes no obligation to make payment of the money transfer or to complete the applicable money transfer transaction if Unity link does not receive the required document supporting the transaction. Unity Link is not responsible for goods and/or services provided by its collecting agents. Unity Link reserves the right to refuse to provide the Services to you, at any time, for any reason deemed necessary to protect Unity Link `s interests.
GENERAL
We are not obliged to perform our obligations if abnormal and unforeseeable circumstances beyond our control prevent us from doing so.
You may be entitled to redress for an incorrectly executed money transfer only if you notify us without undue delay on becoming aware of it, and in any event no later than 13 months after the date of the transfer.
No compensation is available from the Financial Services Compensation Scheme if we are unable to meet our obligations. Our relationship with you is not that of a bank or trustee.
Neither these Terms and Conditions nor any transaction carried out under them shall confer contractual or other rights on, or be enforceable against us by, any party other than you.
We are not liable for any losses not directly associated with any incident that may cause you to make a claim against us, nor are we liable for loss of profits, loss of business, loss of goodwill or any form of special damages.
You agree that you are not sending or receiving a payment transfer for or in connection with any criminal or illegal purpose.
You agree to help us in the discharge of our anti-money laundering, security validation and verification responsibilities by providing such information as we may request.
We may use information about you to discharge our anti-money laundering, security validation and verification responsibilities, to provide our services and to manage our relationship with you. We may disclose this information to payers, payees and intermediaries in the course of providing our services or as required by Regulation EC 1781/2006 on information on the payer accompanying transfers of funds; persons with whom we share information for anti-money-laundering, security verification or validation purposes; regulatory and prosecuting authorities; service providers acting on our behalf. This may involve transfer of information to countries which do not have data protection laws as strict as those in the UK . If you wish to access or correct the information that we hold about you, please contact our Data Protection Officer at 158-160 Balham High Road, London, SW12 9BN and on our phone number above.
LAW AND JURISDICTION
These Terms and Conditions and all matters arising from or connected with them are governed by English law. The courts of England have exclusive jurisdiction to settle any dispute arising from or connected with these Terms and Conditions (including a dispute regarding their existence, validity or termination or relating to any non-contractual or other obligation arising out of or in connection with them) or the consequences of their nullity.
COMPLAINTS
Please tell us if you have any problems with our service: we will seek to resolve your complaint as quickly as possible. If you are not happy with our response, or if we have not finished investigating your complaint after 8 weeks, you may be able to refer your complaint to The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.
