Terms & Conditions

1. Provisions

• These Terms and Conditions regulate access and usage of our website (referred to as "the Website") and mobile application ("the Application") facilitating money transfer services ("the Service").
• The English version of these Terms and Conditions is applicable to all languages. Other language versions provided are for guidance only. Disputes will be considered based on the English version.
• References to "Kunzle Limited," "we," "us," or "our" pertain to Kunzle Limited, while "you" or "your" refer to users accessing or using the Service.
• Your acceptance of these Terms and Conditions is a prerequisite for accessing and using the Service. Copies of these Terms and Conditions are available upon request via post or email.

2. Definitions of Key Terms

• "Application" refers to the Kunzle Limited mobile app offering online money transfer services.
• "Compliance Officer" denotes staff members responsible for compliance with financial regulations.
• "Fees" encompass charges for the Service as per the published price list or communicated rates.
• "Force Majeure Event" refers to unforeseeable circumstances outlined.
• "FX Spread" represents the difference between currency exchange rates applied by Kunzle Limited.
• "Malicious Code" includes harmful computer programs intended to disrupt systems.
• "Money Transfer Regulations" encompass applicable laws regarding electronic money transfers.
• "Prohibited purpose" denotes illegal activities related to fund transfers.
• "Recipient" is the recipient of money transferred via the Service.
• "Reference Number" is the unique transaction identifier provided to the Sender.
• "Sender" initiates money transfer transactions via the Service.
• "Transaction" encompasses all money transfers initiated using the Service.
• "Website" refers to Kunzle Limited's online platform providing money transfer services.

3. Information About Us And Contact Details

• Kunzle Limited operates the Website and Application for money transfers.
• Kunzle Limited is a UK-incorporated company (Company Number: 07893295), regulated by HM Revenue and Customs and the Financial Conduct Authority.
• Contact us via post: 86-90 Paul Street, London, England, EC2A 4NE, United Kingdom, or email: info@kunzlemoney.com.

4. Transaction Processing Information

• After processing a Transaction, we email you:
• The Reference Number
• Confirmation of the amount sent to the Recipient
• Fees charged
• Exchange rate applied
• Recipient's collection details
• Bank confirmation (for bank deposits)
• Estimated availability time for the Recipient.

5. Customer Responsibilities

• Use the Service only if you are at least 18 years old and legally capable of entering contracts.
• Pay applicable Fees for Services provided.
• Comply with these Terms and Conditions and relevant laws.
• Provide accurate identity information and comply with verification procedures.
• Not engage in Prohibited purposes.
• Ensure secure handling of Reference Numbers.
• Transfer money only from your own accounts.
• Use the Service responsibly for personal or legitimate purposes.

6. Cancellations And Refunds

• You have the right to cancel a Transaction before payment to the Recipient.
• Refunds are subject to conditions outlined in this section.
• Refund processing may take up to 7 working days.
• Transaction cancellations not meeting specified conditions may result in Fees retention.
• Transactions expire after 1 month if not collected.
• Non-collected funds waive cancellation rights after 13 months.

7. Complaints

• Contact us with complaints via phone or email.
• Complaint investigations conclude within 15 business days.
• Dissatisfied customers may refer complaints to the Financial Ombudsman Service.

8. Company Right To Change These Terms And Conditions

• We reserve the right to revise these Terms and Conditions.
• Changes may apply immediately or upon notice, depending on their nature.
• Customers may cancel orders affected by changes within a specified period.

9. Third Party Rights

• Third parties have no rights under this Agreement.

10. Law And Jurisdiction

• Contracts and disputes regarding the Service are governed by English law.
• Jurisdiction lies with the courts of England and Wales.

11. Liability And Governing Law

• These Terms and Conditions comply with English and Welsh laws.
• Kunzle Limited retains the right to modify terms and terminate schemes.