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SINGLE USE PAYMENT TERMS AND CONDITIONS 1. MONEY TRANSFER SERVICE 1.1 These terms and conditions govern the money transfer services provided to you by A&B General UK Ltd., of M302, Trident Business Centre, 89 Bickersteth Road, Tooting, London, SW17 9SH, No. 6928080 (referred to as "we/our/us"). 1.2 Our head office address is 163 Bellville House, 4 John Donne Way, London SE10 9FW, telephone number 02033559660, email This email address is being protected from spambots. You need JavaScript enabled to view it. . 1.3 [The address of the branch or the agent providing the money transfer service is 18 Victoria Parade, London, SE10 9FR, telephone number 02033559660, email This email address is being protected from spambots. You need JavaScript enabled to view it. ] 1.4 We are regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 (registration number no. 716949) for the provision of payment services. 2 .SENDING A PAYMENT 2.1 You must give consent before the execution of each payment transaction by giving us payment instructions in a signed and completed payment instruction form (which is available at our premises and those of our branches and agents or from our Website or by contacting us using the contact details set out in clause 1 of these Terms and Conditions) by email, letter, in each case correctly addressed to us, or by handing it to us at our premises. 2.2 You must provide us with information which clearly identifies: • the individual to whom you are sending the money (the "payee"); and/or • details of the payee's payment account (if they have one). Your payment instruction form will set out which information we need which could comprise the payee’s bank sort code and account number or, where applicable, the payee's SWIFT number, BIC and IBAN. It is your responsibility to check that the information you provide to us is correct. 3. TIMING 3.1 We will transfer your payment so that the money reaches the firm where your payee will collect it by: • the end of the next business day after we received your instruction for sterling payment transactions to a payee in the UK; • the end of the next business day after we received your instruction for Euro payment transactions to a payee in the EEA; or • the end of the fourth business day after we receive your instruction for all payment transactions in EEA currencies (other than Euro) to a payee in the EEA. 3.2 For details of the execution times for payments to be made to a payee outside of the EEA or payments in currencies other than EEA currencies, please contact us for further details. 3.3 Where you want money transferred on a specific day, you agree that the time we receive your instruction is that specific day 3.4 If we did not receive your payment instruction before 16:00 on a business day for us (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. 3.5 You cannot amend or cancel your instruction to us unless you have asked us to transfer your money on a specific day in the future and you give us written notice no later than the end of the business day before that specific day. 3.6 "business day" means a day on which we are open for business (other than a Saturday or Sunday or a public holiday). 4. FEES AND CHARGES 4.1 When you are sending money, you agree to pay us, at the time we accept your instruction to send your money transfer, the fees and charges (if any) which we write on your payment instruction form. 4.2 When you are receiving money, we may deduct, from the money transferred to us before we make it available to you, the fees and charges (if any) set out in the written information we give you when you receive the money. 5. EXCHANGE RATE 5.1 We will write on your payment instruction form or receipt the exchange rate applied to your money transfer when you are sending or receiving money. We usually convert your money from sterling (£) at the time of you making payment the relevant amount in the currency of the country where the payee is located 6. GENERAL 6.1 We are not obliged to perform our obligations if abnormal and unforeseeable circumstances beyond our control prevent us from doing so. 6.2 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. 6.3 Where you are sending money, we are responsible to you for the correct execution of the money transfer unless the payee's payment service provider received the amount of the payment transaction in accordance with the payment transfer times set out in clause 3.1 of these Terms and Conditions. You may request that we make immediate efforts to trace the payment transaction and notify you of the outcome. 6.4 Where we are liable to you as payer under clause 6.3 of these Terms and Conditions for a non-executed or defective payment transaction, we will without undue delay refund to you the amount of the transaction. If you ask us to make a payment and the payee’s payment service provider receives it later than the payment transfer times set out in clause 3.1 of these Terms and Conditions, you can ask us and we will contact the payee’s payment service provider and ask them to correct the amount of interest and charges on the payee’s payment account (if applicable) so that it is as if the payment was received on time. 6.5 Where you are the intended payee of a payment instruction initiated by a third party payer, and the payer's payment service provider can prove that we received the amount of the payment transaction in accordance with the payment transfer times set out in clause 3.1 of these Terms and Conditions, we are liable to you for the correct execution of the payment transaction and shall immediately make available the amount of the payment transaction to you as payee. 6.6 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. 6.7 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. 6.8 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. 6.9 You agree that you are not sending or receiving a payment transfer for or in connection with any criminal or illegal purpose. 6.10 We can communicate with you by telephone, email, text message and/or in writing or any other form of electronic communication by which you have chosen to be able to give us instructions. And all information provided, made available and notified to you shall be in English. 6.11 We will contact you by telephone, email, text message if there are suspected or actual frauds or security threats. 6.12 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 2015/847 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 «RAddress1». 7. LAW AND JURISDICTION 7.1 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. 8. COMPLAINTS 8.1 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, where you are eligible to refer your complaint to the Financial Ombudsman Service, if we have not finished investigating your complaint in accordance with the timescales required by law, you may be able to refer your complaint to The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR (http://www.financial-ombudsman.org.uk/). 8.2 You may also be able to submit a claim through the European Online Dispute Resolution Platform (available at http://ec.europa.eu/consumers/odr/).