Dear Valuable Customers, Mangal Money Transfer have updated its terms and conditions on 28 November 2024. Please check our terms and conditions for your reference.

Terms & Conditions

Contact us

 

1. Introduction

1.1 These Terms and Conditions set out the terms and conditions, which apply to money Transmission services with V Send Limited with registration number 08250817, regulated by Financial Conduct Authority under the Payment Services Regulations 2017 (reference no. 609109).
The Firm's registered address is:
44 Watling Ave, Burnt Oak, Edgware HA8 0LT
Email : info@mangalmoneytransfer.co.uk
Telephone: 02089514447
WhatsApp: 07947389900
Website: https://mangalmoneytransfer.co.uk/

Payment Services

For simplicity we will refer to ourselves as "the Firm" "we/our/us".
We operate a money transmission service, which you will use to send and to receive money transfers. Our money transfers can be sent and picked up at Europe, Asia and African countries worldwide. Some locations are open 24 hours a day. The main characteristics of the payment services, which we may provide to you, are as follows:

  • Retail money remittance service: Money transfer service for a sending customer where a remittance payment is made to a named receiving customer, normally in another country, and where the transaction size is less than £3,000 (money may be received in cash in a bank account); Money transfers will normally be paid out in cash, bank transfer, mobile money but some payment service providers in the receiving location may be paid by a combination of cash and bank transfer.
  • High value money transfer service:  Money transfer service for a sending customer where a remittance payment is made to a named receiving customer, normally in another country, and where the transaction size is £3,000 more. Money transfers will normally be paid out in cash, mobile money and bank transfer, but some payment service providers in the receiving location will be paid by a combination of cash and bank transfer.
  • Foreign Exchange plus onward transfer: Provision of currency exchange for a customer plus onward transmission of funds for a payment purpose. All payments are subject to availability, the payee showing documentary evidence of their identity and providing all details about the money transfer required by us as set out in these Terms and Conditions and including, without limitation, the name of the payer, country of origin, name of the payee, the payment amount, transaction control identification number and any other conditions requirements which we consider necessary applicable at the payee payment location.

1(a). Required as pre-contract information under PSR Schedule 4, 1(b). A description of the main characteristics of the payment service to be provided is required as pre-contract information under PSR Schedule 4, 2(a). Taxes and service charges, details of which are set out in our rates and profit policy. They may, in addition, be obtained by contacting us using the contact details set out in clause 1.1 of these Terms and Conditions by checking our Website at https://mangalmoneytransfer.co.uk/terms-conditions.php  
1.2 We are agreeing to provide you with money transfer service/money exchange service. We do not accept any responsibility for any goods services which may be paid for by a money transfer (or any taxes, charges duties payable there on). You are cautioned against sending money to any person you do not know. You bear the risk of your intended payee failing to pick up the payment after it has been transferred to the correct destination.

2. COMMUNICATIONS

2.1          We may accept your instructions even if they are not given in conventional written paper form. This would cover any form of electronic/ telephonic communication (such as WhatsApp/telephone/website/app etc), including those not currently available. It applies to all present and any future business with you but does not imply that we can accept all types of electronic communications: we will tell you what method of communication we will accept. When you contact us to execute a payment transaction, we will accept your instructions as consent from you to execute a payment transaction. We will also grant your consent when you verify yourself by providing us ID documents which are appropriate to execute the transaction. The payment instruction from customers will be deemed to have been received, in accordance with Regulation 81 of PSR 2017, when you contact us to execute a payment transaction and confirm via phone, email, WhatsApp, website/app and in person in the office.
2.2          Note that, If we do decide to accept any type of electronic communication from you, we advise:
2.2.1 use secure mobile phone to contact us as they can sometimes be intercepted overheard;
2.2.2 you to be careful not to let other people see your details if you are online in a public place; and
2.2.3 against using email for sending us confidential information.
2.3          Where we agree to accept instructions in a particular format (including in electronic format), we will not be able to act on the instructions unless they are legible and clear.
2.4          Under PSR 2017, customers will need to have phone signal to be contacted as well as an internet connection to be contacted by the firm for notifications We may decline to act on any communication, even if we have told you we will in general accept that type of instruction. We may do this in particular if we consider that there is doubt about the validity of the communication and it is in our interest to query it with you. However, we are not obliged to check consider the validity of your communications unless we have previously agreed a system of validation with you. Subject to any legal regulatory requirements, which may apply, we are authorised to act upon any instruction, agreement or arrangement without enquiring about its purpose, the circumstances in which it is given, or about the disposition of any proceeds. We will use English as a primary language of contact with you, however, if you prefer us to speak in any other language such as Pashtun, Dari, Urdu, Hindi we will try our best to accommodate your request. You have the right to receive a copy of the T&Cs under regulation 49 of PSR 2017 and receive the required information under Schedule 4 of PSR 2017.
2.5 After we receive a payment instruction from you as payer, we shall provide the following information:

  • A reference enabling you to identify the payment transaction and, where appropriate, information relating to the payee;
  • The amount of the payment transaction in the currency used for the payment instruction;
  • The amount of the charges and transfer fees for the payment transaction payable by you (with a breakdown of such amounts where applicable);
  • Where applicable, the exchange rate used in the payment transaction by us and the amount of the payment transaction after that currency conversion;
  • The date of receipt by us of your payment instruction.

After the execution of a payment transaction, we shall provide, if you are the payee, the following information:

  • A reference enabling you to identify the payment transaction and the payer, and any information transferred with the payment transaction;
  • The amount of the payment transaction in the currency in which the funds are at your disposal;
  • Where applicable, the exchange rate used in the payment transaction by us, and the amount of the payment transaction before that currency conversion;
  • The credit value date.

If you require information on an individual payment transaction before sending us an instruction, please contact us using the contact details set out in clause 1 of these Terms and Conditions or via our Website.

3. RELATIONSHIP

3.1 We will use reasonable care and skill in providing money transmission services to you, but you should bear in mind that your payments do not carry the benefit of any interest and that our service does not have the benefit of any government-backed insurance, guarantee or compensation scheme (for example, no compensation is available from the Financial Services Compensation Scheme if we are unable to meet our liabilities) and the relationship of the Firm with you is not that of a bank trustee.
3.2 You must not give out security details, such as any password PIN, to anyone. You must notify us without undue delay in writing by telephone using the contact details set out in clause 1.1 of these Terms and Conditions via our Website on becoming aware that someone else knows your personal and security details, password, PIN other security information that any of these have been lost, stolen misappropriated, and we will take immediate steps to try to prevent these from being used.
3.3 You agree to assist us in the discharge of our anti-money laundering, security validation and verification responsibilities by providing such information and evidence which we may request from time to time in this regard. You agree to notify us promptly of any changes in the details you have supplied to us. In addition, we may, in our sole discretion, require other documents to be supplied to us at any time during our relationship with you in order to fulfil our legal and regulatory obligations.
You represent and warrant that:

  • You are over 18 years old;
  • The information and details you supply to us are true, accurate and complete;
  • Your money transfer instructions to us and your use of your chosen form of payment instrument for payment to us will not breach any applicable agreement, law or regulation;
  • You agree to compensate us for any loss we suffer as a result of the above representations being untrue or incorrect.

3.4 We may disclose information on payers, payees and intermediaries while 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 – compliance@mangalmoneytransfer.co.uk

 

4. FEES, CHARGES AND EXCHANGE RATES

4.1 Our Rates and Profits policy sets out how, when and what we charge for the services we provide. These details may be obtained by contacting us using the contact details set out in clause 1.1 of these Terms and Conditions. You agree to pay our fees and charges for each payment transaction and in the circumstances set out in further detail in rates and profits policy. Any spending or transaction limit may be imposed in line with our AML and CTF policy.
4.2 If you are the recipient payee of an international payment we may deduct our charges and transfer fees for each such payment from the money transferred before making it available to you. If we deduct any charges under this clause 4.2, we will give you details in the information which we regularly make available to you (using the means agreed with us by which you wish to be notified) of the full amount of the money we receive and of our charges for receiving the money which we have deducted.
4.3 We may change any of our charges at any time. We will tell you (in accordance with clause 7.5 of these Terms and Conditions) at least 2 months before the change to the charge takes effect. Please see clause 7 of these Terms and Conditions which explains in more detail the procedures for changes to our contract terms.
4.4 If you wish to transmit payments to countries that provide payment in multiple currencies, you must select the currency of the payment at the time you consent to the payment transfer. The transfer fees and charges and the money we make when changing your funds into foreign currency may vary based upon the payment currency that you select. Some payment service providers in foreign locations may offer payees the choice to receive funds in a currency which differs from the one that you select as payer. In such instances, we may make additional money when your funds are converted into the currency selected by the payee.
4.5 Our exchange rates are advertised at the start of the business day and may change during the course of the business hours. You can contact us to find out the exchange rate at a particular time using the contact details in clause 1 of these Terms and Conditions.
Telephone notification to the payee that the money transfer is available for pick-up is offered in most countries for an additional fee where the payee can contact using the contact number provided by us.

 

5. PAYMENT TRANSACTIONS

5.1          In order for a payment instruction from you to be properly executed, you must provide us with information in relation to you and your beneficiary, which is necessary for the proper execution of the payment instruction. If this is incorrect, it could result in the payment transaction being delayed the monies transferred being lost. The information could comprise the payee's name, address, bank sort code and account number or, where applicable, the payee's SWIFT number, BIC number and IBAN number. All payment instruction/orders are subject to acceptance and availability. If any Services ordered are not available, you will be notified by email/WhatsApp and you will have the option either to wait until the item is available or to cancel your order. It is your responsibility to provide us with a valid email address so that we can contact you if necessary. Any order placed by you constitutes an offer to purchase the Services from us. All such offers received from you are subject to acceptance by us and we reserve the right to refuse any order placed by you at any time prior to acceptance, without providing an explanation.

5.2          You must give consent before the execution of each payment transaction by giving us payment instructions in a manner stated in section 2 of this document which is available at our premises and from our Website/app/by contacting us using the contact details set out in clause 1.1 of these Terms and Conditions, [by email, letter facsimile transmission, in each case correctly addressed to us, by handing it to us at our premises].  A contract between you and us (the Contract) incorporating these Conditions will only subsist after we have debited your payment card/collected cash from you and have confirmed that we shall be providing the requested Service or made it available to be downloaded. We will send you an email/message to confirm this (a Confirmation Notice). The Confirmation Notice will amount to an acceptance of your offer to buy the Services from us. The Contract will only be formed when we send you the Confirmation Notice (whether or not you receive it). You must check that the details contained in the Confirmation Notice are correct and you should print out and keep a copy of it.
5.3          We shall have the right to stop the use of any personalised set of procedures agreed between you and us, which are used by you in order to initiate payment instructions to us, on reasonable grounds relating to:
5.3.1 the security of such security features; or
5.3.2 the suspected unauthorised fraudulent use of such security features.
5.4          We will execute payment instructions so that the amount to be transferred reaches the payee's payment service provider no later than the end of the third business day after we received your instruction. However, we will endeavour to settle your transaction at the end of the business day following the day the payment order was received Regulation 85 and Regulation 86 of PSR 2017. We must receive payment instructions before the cut-off time of 14:00 of a business day (for Afghan corridor so funds are distributed on the same day) or by contacting us using the contact details set out in clause 1.1 of these Terms and Conditions required as pre-contract information under PSR Schedule 4, 2(b). Approach to the PSRs document p.61 gives examples of consent being given in writing, verified by a signature, by telephone, by use of a password, by means of a payment card and PIN or over a secure password-protected website.
The procedure and means of consent are detailed in the consent framework as required as pre-contract information under PSR Schedule 4, 2(c). Consent is required as pre-contract information under PSR Schedule 4, 5(b). Reg. 56 provides that before blocking or stopping a payment instrument, the payment service provider must contact the customer to advise them of its intentions and its reason for doing so. The firm will contact the customers via telephone/email/WhatsApp to inform customers about suspected/actual fraud regarding a payment transaction. If the payment service provider is unable to contact the customer beforehand, it must do so immediately afterwards. However, if providing this information would compromise reasonable security measures would be unlawful, this requirement does not apply. The payment service provider is required to unblock the payment instrument as soon as practicable after the reasons for blocking cease to apply.
5.5          You should notify the firm regarding a loss or theft of your payment instruments / security credentials immediately as soon as you reasonably come to understand that the loss/theft took place using the contact details set out in clause 1.1. Once we receive your payment instruction, you cannot revoke it unless you inform us in writing that you withdraw your consent no later than the business day before the agreed day of execution of the instruction.
5.6 Customers remitting funds to Afghanistan are advised to review the following terms carefully. The funds are disbursed to beneficiaries in Afghanistan through an invoice offset mechanism due to lack of traditional banking facilities in Afghanistan. This process involves exporters shipping goods to Afghanistan, with local Afghan importers settling the corresponding payments directly with our payment partner in Afghanistan. Upon receipt of payment from the importers, our payment partner will ensure disbursement to the designated beneficiary within the time frame specified in Clause 5.4, or, where possible, within the same business day, subject to applicable cut-off hours. Please contact us using the methods set out at 1.1 of this agreement for enhance understanding of this process in line with our consumer duty policy. Please note, this invoice offset mechanism is not applicable to customers who are sending money elsewhere. Payers remitting funds to beneficiaries worldwide (excluding Afghanistan) shall have their funds disbursed through international banking channels. This process is facilitated using traditional banking methods, including but not limited to account-to-account transfers, ensuring secure and efficient delivery of funds to the designated beneficiary.

5.7          Where we receive a payment instruction from you for execution on a specific day, you agree that the time of receipt is deemed to be that specific day on which we are to execute the payment instruction. We shall not be liable for any delay in completing performance of the Service, however caused.
5.8          It is your responsibility to ensure that the monies you pay to us are sufficient to make each and every payment transaction which you authorise us to make. We will not make any money transfer instructed by you unless you have paid to us sufficient funds first. When we accept a payment instruction/order on credit/debit card/other non-cash form of payment from you we make no promise to make payment of any relevant money transfer if your form of payment is uncollectible, nor do we assume any liability for damages resulting from non-payment of the money because of it not being collectable anymore. By placing an order/payment instruction, you consent to payment being charged to your prepay/debit/credit card account or electronic payment account as per your payment instruction. Payment will be debited and cleared from your account or cash collected as per your order/payment instruction.
5.9          Applicable laws prohibit money transmitters from conducting business with certain individuals and countries. In order to comply, we are required to screen all transfers against the list of names provided by various governments and/or government agencies. If a potential match is found, we will suspend the transfer and additional information on the payer the payee, as necessary. Upon satisfactory review, the payment transfer will be released for collection. Mangal Money Transfer use an invoice offset process for Afghanistan corridor specifically. The customer funds are paid to exporters overseas and local Afghan importers payout to our partner in Afghanistan. Payees receive/collect their funds from our local Afghan payout partner.
We have the right to refuse to accept a payment instruction payment and to refuse to execute any payment transaction for any of the following reasons.
5.9.1 if any condition in these Terms and Conditions has not been satisfied; or
5.9.2 if execution would be unlawful.
Firm to ensure that exact cut-off times are specified in section 5.4 of this policy.
5.10         If any payment instruction is declined, you may contact us using the contact details set out in clause 1 of these Terms and Conditions or via our website. If we have declined the payment instruction we will, where reasonably possible (and where we are not prevented from so doing by law or regulation) tell you why the payment instruction was declined at the earliest opportunity and in any event within the relevant time period specified in these Terms and Conditions. If the reason for our declining the payment instruction was based on incorrect information, we will agree with you what needs to be done to correct that information.
5.11        You agree that we may retain monies received by us for your benefit until our security validation, verification and anti-money laundering procedures have been completed before you may withdraw them or instruct us to transfer them. These terms and conditions set out a list of purposes for money transfers which you are prohibited from transacting, transmitting or receiving (including, without limitation, the purchase of drugs, any illegal activities as specified in AML regulations 2017 and Proceeds of Criminal Act 2002, and weapons and, in certain countries, gambling activities). You agree that you will not transact, transmit or receive payment transfers for or in connection with any criminal or illegal purpose whatsoever. We may report any suspicious activity relating to your transactions to the relevant authorities.
5.12        Additional security questions may be required for certain payment transactions (regardless of the payment amount), and, in addition, the payee may be required to provide documentary evidence of their identity. Further information regarding the use of security questions for the destinations of your payment transfers is available by contacting us using the contact details set out in clause 1 of these Terms and Conditions.

6. LIABILITY AND REFUNDS

6.1 The extent of your liability as payer for any losses you incur in respect of an unauthorised payment transaction under regulation 77 of PSR 2017:
6.1.1 arising from the use of lost, stolen (or, where you have failed to keep them safe, from the misappropriation of) personalised security features procedures agreed between us and you for your use in order to give us payment instructions, including (without limitation) an unauthorised payment transaction through any electronic Reg. 66. Reg 66(3) states that the framework contract may provide for the payment service provider to charge the payment service user for this notification where the refusal is reasonably justified. Reg 54 provides that the payment service provider may only charge the payment service user for this (a) where agreed between the parties; and (b) where such charges reasonably correspond to the payment service provider's actual costs. Required as pre-contract information under PSR Schedule 4, 5(c).
6.1.2 where you have acted fraudulently have with intent gross negligence failed to: (i) take all reasonable steps to keep safe any of the personalised security features or procedures agreed between us and you for your use in order to give us payment instructions, including (without limitation) an unauthorised payment transaction through any electronic communication a misappropriation of the security features of our electronic communications service, (ii) use such features and procedures in accordance with the terms and conditions governing their issue and use,(iii) notify us in writing by telephone using the contact details set out in clause 1.1 of these Terms and Conditions via our Website and without undue delay on becoming aware of the loss, theft, misappropriation unauthorised use of such security features procedures, is the full amount of those losses.
6.2 Except where you have acted fraudulently, you will not be liable for any losses resulting from an unauthorised payment transaction: (i) after you have notified us of the loss, theft, misappropriation or unauthorised use of your security features or procedures in accordance with clause 6.1.2 of these Terms and Conditions; (ii) if we have not given you an appropriate means to notify us in accordance with clause 6.1.2; or (iii) if the security features or procedures have been used in connection with certain types of distance contract. You may be entitled to redress for an unauthorised incorrectly executed payment transaction only if you notify us in writing or by telephone using the contact details set out in clause 1.1 of these Terms and Conditions without undue delay on becoming aware of any unauthorised incorrectly executed payment transaction, and in any event no later than 13 months after the debit date. Such redress may include, in relation to an unauthorised executed payment transaction, us refunding the amount of the unauthorised payment transaction to you as payer.
6.3 Where you initiate a payment instruction as payer, we are responsible to you for the correct execution of the payment transaction unless the payee's payment service provider received the amount of the payment transaction in accordance with the payment instruction execution times set out in clause 5.4 of these Terms and Conditions. You may that we make immediate efforts to trace the payment transaction and notify you of the outcome. Where we are liable to you as payer under this clause 6.3 for a non-executed defective payment transaction, we may without undue delay refund to you the amount of the non-executed or defective payment transaction.
6.4 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 instruction execution times set out in 5.4 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.
6.5          If we are in breach of contract or otherwise negligent and we might reasonably have expected your loss to result directly from our breach or negligence, we are in any case liable to you. However, we will not be liable for any losses that’s not directly associated with us, 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 whatsoever and howsoever arising and whether such liability was reasonably foreseeable or not and whether or not we have been advised of the possibility of such loss being incurred.
Refund
6.6          You are eligible for a refund if you have initiated a money transfer transaction through Mangal Money Transfer, but the funds have not been successfully delivered to the intended recipient. Refunds may also be considered in cases where there has been an error or discrepancy in the transfer amount or other transaction details.
6.7          To request a refund, you must contact our customer support team within 30 days of the date of the transaction. You can reach our customer support team via phone, email, or in person at our office. The contact information for our customer support team is available on our website. When contacting our customer support team, please provide the following information: - Your full name, contact details, and customer identification number (if applicable). - Transaction details, including the transaction reference number, transfer amount, and recipient details. - Reason for the refund request and any supporting documentation, such as transaction receipts or other relevant evidence.
6.8          Upon receiving your refund request, we will evaluate the transaction details and investigate the issue to determine eligibility for a refund.  We may require additional information or documentation to support your refund request. You must provide such information promptly to avoid any delays in the refund process.  If it is established that the funds have not been successfully delivered or there is an error in the transaction, we will process the refund as soon as possible.
6.9          We will make all reasonable efforts to process your refund within 12 business days of approving the refund request. However, please note that the actual time it takes for the refund to be credited to your account may vary depending on your bank or payment service provider. Refunds will be issued in the same currency and using the same payment method used for the original transaction unless otherwise agreed upon between the customer and V send Limited (T/A Mangal Money Transfer). We will not be responsible for any fluctuations in currency exchange rates that may occur between the time of the original transaction and the refund disbursement.
6.10        V Send Limited (T/A Mangal Money Transfer) does not charge any fees for processing refunds if the refund request is deemed eligible as per this policy. However, please be aware that your bank or payment service provider may apply their own fees or charges related to the refund transaction, and these charges are beyond our control. Any changes to the refund policy will be communicated through our website, customer notifications, or via email to our customers.

7. MODIFICATIONS TO TERMS AND CONDITIONS; TERMINATION

7.1 We may change any provision of these Terms and Conditions. The duration of this framework will depend on the agreement by both parties and any notice given by either party to terminate the contract.
7.2 Any changes in the framework contract or in the information and conditions specified in Article 52 shall be proposed in the same way as provided for in Article 51(1) and no later than 2 months before their proposed date of application. The payment service user can either accept or reject the changes before the date of their proposed date of entry into force. Customers will be deemed to accept changes if you do not notify us of any rejection/amendment within 2 months of the proposed date of application.
7.3 If we have made a major change a lot of minor changes in any one year, we will give you a copy of the new terms and conditions a summary of the changes.
7.4 If we agree to fix any condition for a certain time, we will not change it during that time.
7.5 When we tell you about a change we will do so by letter, email, text messages in any other way which is sent to you individually will do so in a way that we reasonably believe is likely to come to your attention and which satisfies legal and other regulatory requirements. We will also update the change in our website and put a notice in our website of any changes made to our policies that may impact you.
7.6 Our agreement under these Terms and Conditions will continue until terminated in accordance with this clause.
7.7 You may terminate our agreement under these Terms and Conditions by giving us at least 1 month written notice using the methods set out in 1.1 in this terms and conditions. We shall not charge you for the termination of our agreement under these Terms and Conditions. However, you will no longer have a right to cancel if, with your agreement, we have already completed providing the Services to you. We shall be deemed to have already completed providing the money remittance Services, in circumstances where payment of the funds has already been deposited into your or your beneficiary's bank account or similar account or you or your beneficiary have already accessed the funds or downloaded products or materials necessary to access the funds, that we made available to you, from the Website/App or other similar shared platform.
7.8 We may terminate our agreement under these Terms and Conditions by giving you at least 2 months' written notice. Such termination will not release you from any liability in respect of any sums owing to us from any previous liability for any act performed by us in accordance with instructions received from you.
7.9 If you are an individual, and up to and including the time at which we conclude our agreement with you under these Terms and Conditions we have only communicated with you for the purposes of the agreement without you and us being physically present at the same time, you have a right to cancel the agreement when you give us your first payment instruction, starting on the day on which you indicate to us your acceptance of the agreement ("conclusion day") and ending on the expiry of 14 calendar days beginning with the day after conclusion day. Such right may be exercised by contacting us at our address, contact number e-mail address using the contact details set out in clause 1.1 above via our Website and informing us that you wish to cancel your agreement with us. If you exercise this right before you have sent us any payment instruction, the agreement will terminate and you will not be charged a cancellation fee. Please refer to refund policy for further clarity.
7.10 If you exercise your right after you have sent us your first payment instruction, we may deduct a cancellation fee from the monies you have already paid to us before we transfer them back to you. Please note that we will not be able to transfer any monies back to you to the extent that we have already executed your payment required as pre-contract information under PSR Schedule 4, 6(a). Required as pre-contract information under PSR Schedule 4, 6(b), PSR Schedule 4, 6(c) and Reg 43(2) provides that, subject to this, any charges for termination must reasonably correspond to the actual costs to the payment service provider of termination. As per Reg 43(4). instruction), If you do not exercise this right, the agreement will not have been cancelled by you.

8. GENERAL

8.1 Termination of our agreement under these Terms and Conditions does not affect your accrued rights and obligations at the date of termination.
8.2 A failure to exercise delay in exercising a right remedy provided by these Terms and Conditions by law does not constitute a waiver of the right remedy a waiver of other Rights remedies. No single partial exercise of a right remedy provided by these Terms and Conditions by law prevents further exercise of the right remedy the exercise of another right remedy.
8.3 In case any provision in obligation under these Terms and Conditions shall be invalid, Illegal unenforceable in any jurisdiction, the validity, legality and enforceability of the remaining provisions obligations, of such provision obligation in any other jurisdiction, shall not in any way be affected impaired there by.
8.4 You may not assign, transfer create any trust in respect of, purport to assign, transfer or create any trust in respect of, a right obligation under these Terms and Conditions.
8.5 Neither these Terms and Conditions nor any transaction carried out under them shall confer Contractual other rights on, be enforceable against us by, any party other than you.

9. GOVERNING LAW AND JURISDICTION; REDRESS

9.1 These Terms and Conditions and our agreement under these Terms and Conditions and all matters arising from connected with these Terms and Conditions and our agreement are governed by English law.
9.2 The courts of England have exclusive jurisdiction to settle any dispute arising from or connected with these Terms and Conditions and our agreement under these Terms and Conditions (including a dispute regarding their existence, validity termination relating to any non-contractual other obligation arising out of in connection with them)the consequences of their nullity. You may also be eligible for redress for any dispute and matter arising out of in connection with these Terms and Conditions through the dispute resolution mechanism provided by the Financial Ombudsman Service (please see below for further details) Financial Services (Distance Marketing) Regulations 2004. Required as pre-contract information under PSR Schedule 4, 7(a).

10. HELP AND INFORMATION; COMPLAINTS

10.1 If you have a comment, concern or complaint about any services you have purchased from us using the contact details in clause 1.1 of these Terms and Conditions. Please note, the applicable jurisdiction for this T&C will be considered England and Wales.
10.2 We shall investigate your concerns and respond to you promptly according to our complaints policy. In exceptional situations, if the answer cannot be given within the timeframe specified in the complaints policy for reasons beyond our control we will send a holding reply, clearly indicating the reasons for a delay in answering to the complaint and specifying the deadline by which we will receive the final reply. In any event, the deadline for receiving the final reply shall not exceed 35 business days. You can refer your complaint to financial ombudsman services as specified in our complaints policy which is advertised through firm's website and can be obtained by contacting the details in clause 1.1.

Complaints Officer:
Head of compliance: (Md Anisuzz Aman)
Telephone number: 02089514447

11. FORCE MAJEURE
11.1 We shall have no liability for delays or failures in delivery or performance of our obligations to you resulting from any act, events, omissions, failures or accidents that are outside of our control (Force Majeure), which, without limitation, include
11.1.1. Strikes, lock-outs or other industrial action
11.1.2. Shortages of labour, fuel, power, raw materials
11.1.3. Late, defective performance or non-performance by suppliers
11.1.4. Private or public telecommunication, computer network failures or breakdown of equipment
11.1.5. Civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war
11.1.6. Fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster or extreme weather conditions.
11.1.7. Impossibility of the use of railways, shipping, aircraft, motor transport or other means of public or private transport.
11.1.8. Acts, decrees, legislation, regulations or restrictions of any government
11.1.9. Other causes, beyond our reasonable control.
11.2        Our performance will be deemed to be suspended for the period that the event of Force Majeure continues, and we will have an extension of time for performance for the duration of that period. We will use our reasonable endeavours to minimize any delay caused by Force Majeure or to find a solution by which our obligations may be performed despite the Force Majeure event. We shall promptly notify you of any Force Majeure event giving details of it and (where possible) the extent and likely duration of any delay. Where the period of non-performance or delay in relation to any event of Force Majeure exceeds 30 days from the date of notice to you of the event of Force Majeure, either you or us may, by written notice to the other, terminate the Contract with immediate effect upon service.

Complaints Officer:

Head of compliance (Md Anisuzz Aman)
Telephone number: +44 2089514447
Email: Compliance@mangalmoneytransfer.co.uk