1. Introduction

1.1 These Terms and Conditions govern the provision of money remittance services only (the “Services”) by Global Remit Financial Services Ltd (“Global Remit”).

1.2 The terms “Global Remit” “Payment Global Remit FS platform”, “We”,“Us” , and “Our” refer to GLOBAL REMIT FINANCIAL SERVICES, a United Kingdom registered company, together with its employees, directors, successors, affiliates, and assignees. The company is registered in England and Wales with number 9484910 with its registered Head office at Suite 6034, Unit 3a, 34-35 Hatton Garden, Holborn, London, England, EC1N 8DX. Authorised by the FCA with FRN 930827.

1.3 These Terms do not cover electronic money issuance, account services, acquiring services, or any other payment services.

1.4 By using our Services, you confirm that you understand and accept these Terms.

2. Key Definitions

• Sender / Customer: The individual instructing us to send money.
• Beneficiary / Recipient: The individual who receives money through the remittance.
• Transaction: An instruction by the Customer to send funds to a Beneficiary.
• Transaction Amount: The principal amount sent, excluding our fees and exchange margin.
• Service Fee: The fee charged by us for processing a Transaction.
• Business Day: Any day other than Saturday, Sunday, or UK public holiday.

3. Scope of Services

3.1 Global Remit provides remittance services only – the transfer of funds from a Sender to a Beneficiary.

3.2 The Services are for personal use only. Customers must not use the Services for business, commercial, or investment purposes, or for the purchase of goods or services.

3.3 We may refuse to process a Transaction if we suspect it breaches applicable law or regulation, including anti-money laundering and counter-terrorist financing obligations.

4. Fees, Exchange Rates and Information

4.1 Before you authorise a Transaction, we will provide clear information on:

• The amount to be transferred,
• The Service Fee,