TERMS AND CONDITIONS

Agreement

Last update: August 29th, 2016

Note on underaged: Those under 18 are not allowed to use Euro Exchange services. If you are under that age, you do not meet the requirements to use Euro Exchange, therefore do not send personal information or use such services.

You are only authorised to use this website if you agree to be bound to the present Terms and Conditions Statement. Thus, by accepting the terms and conditions, the User gives his/ her express consent to use his personal information according to the Spanish and European Union regulations regarding the privacy protection policy. The Service (hereinafter defined) is offered to you on condition that you accept all the terms contained herein, without modification or reservation of any of the Terms and Conditions. Euro Exchange Securities UK LTD, is a company registered in England under the number 06409565, provided of the Registration Certificate for MLN HM Revenue & Costum number 12290631, FCA number PSD/729906/SF, located at 107 Great Portland Street, London, W1W 6QG, United Kingdom giving a customized Personal and Corporate Foreign Currency Exchange service. Our team of experts will provide a high level service while helping you to repatriate your funds, make international payments, transfer wages, buy properties overseas or make bank transfers. The Company can be contacted on +44 (0) 207 636 3430.

For the purposes of these Terms and Conditions Declaration of Law:

Introduction

You are submitting a request for payment services to be provided by Euro Exchange Securities and/or by third party providers with which Euro Exchange Securities has contracted for the provision of payment services ("Third Party Providers"). In order to proceed, we need you to consent to the use and acceptance of electronic signatures, electronic records, and electronic disclosures ("Your Consent"). This document, titled CONSENT TO ELECTRONIC DISCLOSURES informs you of your rights when receiving legally required disclosures, notices and information from Euro Exchange Securities and/or from Third Party Providers. By clicking on the button marked "Finish" below, you acknowledge receipt of this document and consent to the use of electronic signatures, records, and disclosures. Additionally, by clicking on the button marked "Finish" below you consent to conduct transactions with Euro Exchange Securities and/or Third Party Providers by use of electronic disclosures and contract documents ("Disclosures"). These disclosures may include, in addition to others, Disclosures pursuant to: the Equal Credit Opportunity Act and Regulation B; Electronic Fund Transfers Act and Regulation E; the Gramm-Leach-Bliley Act and Regulation P; and any other applicable federal, state or local law, or regulation.

Service

Euro Exchange records the amounts received by Euro Exchange under the payment transactions made through the User’s Account Service (after the fees being deducted) and remitting those amount to the bank account given by the User. The Account will be registered at the Euro Exchange location. An equal amount to the amount on the Account shall be kept on behalf of the user, separated from the Euro Exchange’s funds (but not from the amounts held on behalf of other users) in a bank account given by the client, in accordance with the Rules.

The User accedes to the Service and to the Account through the API ("Application") and through the Euro Exchange website https://euroexchangesecurities.co.uk ("Web Page"). The Service will be used through a suitable debit and credit device support reader. Euro Exchange may at any time review or modify the Service. Euro Exchange will attempt to notify any changes to the user as soon as possible via the Website, through the Application or by E-mail provided by the User. Euro Exchange reserves the right to apply such changes immediately to maintain their system’s security or to comply with the applicable Laws, Regulations or Rules issued by the Acquirers or by the Cards systems. The use of the Service is subjected to certain to certain limits related to the daily volume of transactions and card payments in the User’s bank account as detailed on the Website. Please contact the customer service at info@euroexchangesecurities.co.uk for any questions regarding these limits.

To provide the service, Euro Exchange will take all reasonable care to provide the Service with the highest efficiency possible. However in cannot be guaranteed that the Service will be exempt from errors or interruptions during this time. Maintenance and updates of the Service will be regularly performed, may causing interruptions, delays or errors in the Service, trying to communicate in advance any planned maintenance. However it cannot be guaranteed that such notice is given at all times. The Service may contain errors or "bugs". The User understands and accepts that information to identify and resolve the faults can be requested.

On the other hand, access to the Service depends on services provided by third parties such as mobile phone services. At this point, the User acknowledge that Euro Exchange has no responsibility regarding the services provided y third parties.

In the event that the User (i)wishes to identify errors in the Service through a complaint, or (ii) considers that a mistake has been made or that an unauthorized operation related to the User’s Account has been made, once the user has discovered the error or transaction, he shall notify Euro Exchange the complaint or the transaction without delay by contacting Euro Exchange through info@euroexchangesecurities.co.uk

Regarding the responsibility, it is worth mentioning that Euro Exchange is responsible, and subjected to the limitations established to ensure that the operations are correctly carried out. And that the payment orders started by the service are properly transferred to the payment services provider of the card holder and that the funds paid to the User are paid to the User as it will be detailed below unless otherwise different is provided in this Agreement.

In the event that a payment transaction is not executed or not properly executed, Euro Exchange upon User’s request, shall trace the payment transaction and notify the result to the user.

Moreover, Euro Exchange shall be liable for the fees or interests that the User, if he or she is the consumer must pay as a result of a payment transaction not executed or not executed at all, when such an eventuality is because of Euro Exchange’s fault. Euro Exchange will not have this liability when the User is not a consumer.

Euro Exchange shall not be liable (i) for any other deficiency or error in, or pursuant to, the Service (ii) of ensuring that the Service is available at all times to carry out payment transactions, or (iii ) because of unauthorized access to, or because of the use of the information stored on Euro Exchange servers, unless the applicable Laws provide otherwise.

Regarding the liability limits, it should be noted that the local consumer protection rules are applicable to the user. Euro Exchange shall not be liable under any circumstances for consequential damages, such as lost profits, lost data or other losses resulting from the use or lack of use of the Service.

However, Euro Exchange shall be liable for death or personal injury that may be caused by Euro Exchange, for the damages incurred by the User due to willful misconduct or gross negligence of Euro Exchange, or any other matter for which it would be illegal or against the Law to exclude or attempt to exclude liability of Euro Exchange.

Euro Exchange shall be also liable for the damages resulting from the only fault that Euro Exchange may have and does not assume any liability for any act or omission of any third party. Nor is Euro Exchange in no way responsible for any damage or loss caused by the User as a result of the obligation to Euro Exchange to comply with the applicable Law, act or omission of any governmental authority, act of war, accident, natural disaster, strike, lockout, or other similar, regardless of whether Euro Exchange is an instigator or subject in the mentioned event.

License

Euro Exchange grants the User a non-exclusive and non-transferable use of the license application. It also grants the right to use any other software and services. It gives the user the right to download and install updates to the Service, too and when they are made available to the User by EuroExchange

Under no circumstances it will allow the User to: (i) assign, sub-licencie, copy, publish or distribute the Service, (ii) allow a third party to use the Service, (iii) transfer the rights acquired by the User or ( iv) handle the technical limitations of the Service, neither decompile nor rebuild otherwise the Service except and only to the legally permitted circumstances extent.

Account

The funds credited to the User will be assigned to the bank account established by the user.

Funds received by Euro Exchange by the User regarding the amounts credited to the user can be accumulated with funds received similarly on behalf of other clients. These funds can be held in one or more customer accounts in a bank or banks selected for this purpose by Euro Exchange under the Rules ("Client Accounts"). Euro Exchange shall only have the authority over the opening and maintenance of all customer Accounts.

Regarding the Dormant Accounts, in case of no activity some User Account for at least two consecutive years and the user has balance in the Customer Account, this situation will be notified to the Client through the email address with which the user was registered, or through the Application. The Client will be able to keep the Account active or closed or withdraw any outstanding balance of the Client Account. If no response is received from the User within thirty days from the shipment date, the Account will automatically be closed and the User's funds shall be subject to the destination specified by the Law applicable to the case, and - to the extent permitted - it will be passed to Euro Exchange.

Payment Conditions

To use the service, the User agrees to pay the resulting rates from the calculations made from us and he/she agrees to afford the calculations as intended in the fee schedule attached to this document (Programme Commissions) Go to link commissions.

By accepting the Agreement, you agree and request us to charge you the fees (as a service fee) in accordance with the Comissions Scheme. The service is a payment service exempt from VAT and Euro Exchange reserves the right to change the rates. These rates will be calculated at the time of a transaction processing made by card and fees of the received funds will be deducted and transferred the remaining quantities to User Account. It would be possible to offset the outstanding balance on the User’s Account with any claim Euro Exchange may have against the User subjected to this Agreement.

All fees will be charged to the user together with the transmission of the amount of the Customer Euro Exchange Account to the User’s bank account.

Exchange Rates

The Payments’ applicable change rates made in currencies other than EURO will be published regularly on the Website of Euro Exchange. The user, before the conclusion of each payment transaction, may inform the consumer that it will be applied a currency conversion and applicable exchange rate.

Payment Transactions

AML/CTF Compliance In dealing with the Company, the Client acknowledges and agrees that the Company is obliged to adhere to applicable AML/CTF Regulations in all relevant jurisdictions. The Client will not attempt to initiate any Transactions that may contravene any AML/CTF Regulations and will provide such information as is necessary or desirable for the Company to comply with its AML/CTF obligations.

Payment transactions can only be made with the cards specified on the Website of Euro Exchange and it may change at any time the range of accepted cards can and without being noticed. So the user must accept all cards laid on the Web for the range of goods and / or services provided.

The Service may only be used for transactions with physical card.

Regarding payments, the User will perform the following checks:

The card:

Through a visual inspection, the User shall ensure that: (i) the card has not expired, (ii) the account number is recorded on the card matches the account number on the back of it (iii) the card has the holder's signature and that the signature matches the signature by the cardholder on the screen of the device used to perform the Service, (iv) the card shows no signs of having been altered or modified (v) the information of the card as a genre name of the card holder is consistent with the observation of the User; and (vi) when it is shown the identification, the name engraved on the credit card matches the name of the document or of the identification card.

If there is doubt concerning the above aspects, the card will not be accepted as payment, and also, if it cannot be shown any identification, the card will not be accepted as payment.

Regarding the Signature:

The user will compare the signature of the cardholder on the receipt with the signature on the card and, if applicable, in the ID card of the cardholder. In case of doubt, the card will not be accepted as payment.

Regarding a chip card and PIN is used, the user should not ask for any signature of the holder or require any other means of identification, unless mentioned otherwise by the current Law.

The User must verify that the cardholder accepts the payment transaction and the amount is deducted from the account of the cardholder by signing on the electronic signature bill with your name on the site of the application, unless the application allows the use of PIN.

Bills

Euro Exchange only provides the bills electronically via email or SMS.

The User shall issue and / or deliver a receipt in cases where legally appropriate.

Cancellation of payment orders:

The payment order may not be cancelled after the end of the day when the cardholder has transmitted the payment order, or having given his/her consent to execute the payment transaction.

Confirmation of operations:

The User may have access to the information on the transaction through his/her Account. The User may also have access to the reports and download them.

Information on the transaction states the amounts and any other amounts charged to his/her Account in the corresponding period and the information on payments made to the bank account provided by the User. The way we provide the information on the transaction will allow the user to store and reproduce information without changes.

Euro Exchange will provide the information on transactions with a reference that will allow the User to identify the transaction, and the amount of the transaction, the currency with which the Account was created and the amount resulting from the application of our rates by that transaction. By accepting this Agreement, the user agrees that we add this information by brand, by application, by categories of payment instruments and by exchange rates applicable to the transaction, as appropriate. Such information will be provided regularly and once this Agreement is solved, Euro Exchange shall not be required, to store or provide documentation or other information related to transactions made through the Service unless it is established by Law.

Returns and Refunds

With regard refunds and returns, the User agrees to present all refunds and adjustments for returns of their products and / or services. It will be through the Service to the cards on the terms and conditions of this Agreement according to the Rules Card System applicable.

The Card System Rules: (i) to maintain a fair return, cancellation and adjustment policies (ii) to disclose return or cancellation policies of the User to the clients at the time of purchase, (iii) do not give refunds in cash to clients regarding card transactions unless requested by law and (iv) not accept cash or other valuables in the preparation of a refund transaction made by card.

In the case these funds are insufficient, the User authorizes Euro Exchange to set a fee to the bank account of the User in the amount needed to perform the refund operation in the costumer’s card. In the event that Euro Exchange could not access the bank account of the User through the money input, the User agrees to pay all that are due on first demand, being the User the sole responsible for accepting and processing returns their products and / or services. Not having in this regard Euro Exchange any responsibility or obligation to prosecute such returns.

Payments to the User’s account: Funds credited to the User for a transaction payment will not be paid to the bank account established by the User until the operation is successfully done. It will be completed when Euro Exchange receives the funds of the Acquirers or Relevant Cards Systems in the customer accounts.

When the bank account established by the User is accredited, Euro Exchange will make a payment of funds owed to the User in the customer's bank account, on the next business day after Euro Exchange had received the funds in the Customer’s Account unless otherwise is provided in this Agreement.

Depending on the type of card reader device used and if the Customer has approved the transaction by signature or PIN or otherwise, the payments of funds to the bank account designated by the user will vary depending on the time and limits bands. These will be communicated to the customer at all times.

Through the Webpage, the User will be informed of the payments made to the User’s bank account. Through the Account, the User may choose alternate payment schedules.

Euro Exchange reserves the right to defer payments to the bank account of the User and to restrict access to any funds in the User’s account when it is needed to investigate or solve any pending dispute related to the User’s Account and / or required to comply with the Law or a court order, or if required by any Law enforcement or government authority.

Euro Exchange reserves the right to suspend or delay the payment to the bank account of the User temporarily or set an amount of funds to be kept maintained in the User’s Account or in a reserved separates account to ensure that the User’s obligations are met pursuant to this Agreement.

Total refunds must be for the exact amount of the original transaction, including tax, handling charges and others. The amount of reimbursement shall not exceed the original amount of the sale, except to the equivalent refunds extent to the Client for the shipping costs in which it might have been incurred to make the return.

A transaction is considered to be unauthorized if the User has not given his/ her consent. If he/she believes that a transaction has been made without his/her consent he/she must contact us.

A claim for a refund of an authorized transaction must be made within 8 weeks from the date on which the funds were deducted from your available balance. Within 10 working days after receiving your claim for a refund, we will refund you the full amount of the transaction or provide the justification for the refund refusal.

If you are not satisfied with the justification provided for refusing the refund or with the outcome of your claim for a refund, you can file a complaint with us or contact the authorities.

We may charge fees regarding any of our services and facilities that you have used or requested based on our Schedule of Fees.

When any request, transaction, the transaction in dispute, arbitration or reversed transaction involves third party costs you are responsible for these and will be deducted from your account or otherwise charged by you.

We may charge you an Administration Fee in the following circumstances:

If you make any payment to us that is subsequently reversed after 60 days due to inadequate account information or inadequate KYC documentation; In the case of a request for arbitration of a disputed transaction; To cover our costs and expenses that provides you manual on your account (for example, a request for legal, police, court or other judicial support).

We may charge a fee for reverse payment where a bank declined receiving of a payment following a request for transfer of funds.

Chargebacks and operations at issue: Any amount attributable to a transaction may be debited from the Customer Account or be claimed to the user if that amount has already been paid to him/her (each of these actions constitutes a "Chargeback"), if the operation : (i) was controversial (including regarding the absence of goods or services provision or failure to meet the required standards), (ii) be canceled for any reason by the respective Cards System, the Acquirer, by the Customer or by the Card Issuer, (iii) is not authorized or Euro Exchange has reason to believe that the transaction is not authorized, or (iv) is presumptively illegal, questionable or breach of this Agreement or the rules of the Acquirer or Card systems. The User no longer attempts to reprocess any payment that has been affected by a Chargeback.

For every operation that Euro Exchange believes that may result in a Chargeback, Euro Exchange shall be entitled to retain any amount equivalent to the estimated amount of the Chargeback of the Customer’s Account, waiting to know if Chargeback is appropriate. In relation to a Chargeback, Euro Exchange may debit from the Customer’s Account or claim from User an equal amount to any fees or penalties regarding the Chargeback charged by any network, generally related with the User.

In case of not having sufficient funds in the Customer’s Account to cover any Chargeback, the User shall immediately reimburse the amount of the Chargeback to Euro Exchange (including the Euro Exchange’s costs associated with the Chargeback).

If Euro Exchange believes that Chargebacks related to a user occur too often, Euro Exchange will reserve the right to conduct inspections or to establish conditions governing the Account and the Service, including the establishment of new commissions for the processing of the operations as well as to request reasonable amounts of reserves to cover possible future Chargebacks, fees and related sanctions, to limit the User's right to withdraw funds from the Customer’s Account and terminate the Agreement and end up the Service.

The User accepts to provide to Euro Exchange, upon his/her request, his/her collaboration regarding any payment in question, and the user may be requested for the needed information to oppose Chargebacks.

The User will indemnify Euro Exchange, of any cost, loss or liability arising from a claim against him/her as a result of the Service, including any claims for defects in products or services purchased with cards processed by Euro Exchange.

Disclaimer

The information on this website should not be construed as financial advice. All information is given with the provision that while we give an indication of today's exchange rates, we will not be held responsible for any human or technical error that causes a wrong rate to be published. The rates must always be confirmed by one of our dealers, prior to a sale via telephone or email.

By accepting these Terms and Conditions, the User confirms that: (i) that the User, (in the case that he/ she is a natural person) as well as anyone using the Service on his/her behalf, has at least , 18 years old and (ii) payments through the Service comply with the applicable laws and regulations.

The user, under no circumstances will use the Service to receive payments for goods and services such as those which (i) contain tobacco and are acquired through internet, (ii) are related to pornography, being included clubs for sexual services, or escort services, prostitution, magazines, videos or pornographic images and sex toys when these products are the only ones on the market, (iii) are concerning the distribution of time ( "time-sharing"), (iv) drugs prescription (unless the seller has all the authorizations apply to the supply of such drugs and that provision is made in compliance with laws and regulations in force applicable) or drugs or narcotics, (v) are related to appointments (including here sex dating) (vi) are weapons, (vii) are related to gambling, betting, lotteries, bingo and other casino services (it will not be gaming operations and lottery conducted in accordance with all applicable laws and approved by all regulatory authorities applicable ), (viii) are related to the so-called anonymizing services ( "anonymity services"), (ix) are related to voucher lasting more than 36 months, (x) are related to virtual currencies ( xi) are related to erotic dances or other comparable services, (xii) constitute financial services, or (xiii) are prohibited by law or, at the sole discretion of Euro Exchange, and also raise the slightest shadow of doubt from a point of view of both risks, complaints or reputation. Euro Exchange may decide at its discretion if it considers the use of the Service User included in any of the products or services and therefore not in accordance with this Agreement.

The user, under no circumstances use the Service to receive payments for goods and services such as those which (i) contain snuff and are acquired through internet, (ii) are related to pornography, clubs for sexual services being included, or escort services, prostitution, magazines, videos or pornographic and sex toys images when these products are the only ones on the market, (iii) are concerning the distribution of time ( "time-sharing"), (iv) prescription drugs ( unless the seller has all the authorizations apply to the supply of such drugs and that provision is made in compliance with laws and regulations in force applicable) or drugs or narcotics, (v) are related to appointments (including here sex dating) (vi) are weapons, (vii) are related to gambling, betting, lotteries, bingo and other casino services (it will not be gaming operations and lottery conducted in accordance with all applicable laws and approved by all regulatory authorities applicable ), (viii) are related to the so-called anonymizing services ( "anonymity services"), (ix) are related to voucher ( "voucher") lasting more than 36 months, (x) are related to virtual currencies ( xi) are related to erotic dances or other comparable services, (xii) constitute financial services, or (xiii) are prohibited by law or, at the sole discretion of Euro Exchange, and also raise the slightest shadow of doubt from a point of view of both risks, complaints or reputation. Euro Exchange may decide at its discretion if it considers the use of the Service User included in any of the products or services and therefore not in accordance with this Agreement.

The User shall not (i) require minimum price limits for accepting a card, (ii) apply higher prices or additional fees for the use of a card in relation to a payment transaction, nor (iii) make deductions in cash during the payment transaction, (iv) carry out payment transactions in other territories besides the UK and in currencies other than Euros, (v) discriminate between cards for any reason, (vi) submit for its processing or for its credit directly or indirectly, any payment transaction not originated from a transaction of direct payment between the User and the cardholder or any payment transaction that the user knows or should know to be fraudulent or not authorized by the cardholder (vii) present for processing any transaction payment representing the refinancing of an existing obligation of the cardholder, (viii) require any cardholder to waive his/her right to dispute a payment transaction, (ix ) require any cardholder to communicate his/her PIN at any point during a payment transaction, (x) when a cardholder uses a chip card and PIN, it will not be printed any data that refers to the PIN of the card holder no bill, or (xi) will process a purchase of goods and / or services as several payment transactions. The provisions of the preceding paragraph shall only apply as long as it is not prohibited by Spanish law.

You may not use the Service to make payment transactions with cards belonging to the user or registered on behalf of the user.

In order to provide the Service, Euro Exchange has signed a number of agreements with its acquirer and card systems. The acquirer and card systems impose certain limits on the annual turnover of MasterCard or Visa cards, respectively, through the use of the Service. The limit imposed by MasterCard and Visa USA is $ 100,000. If the annual turnover related to User Account exceeds that amount or the equivalent in EUR, Euro Exchange will inform the user and give the user the option of signing an extension agreement (the "Premium Accord Euro Exchange Service") including the purchaser of Euro Exchange as a counterpart to continue using the service. If the user can not be accepted under a Premium Service Agreement Euro Exchange, Euro Exchange will not accept new transactions in excess of those amounts. In these cases, Euro Exchange will be required to cease with the Service and may terminate this Agreement. The User shall immediately inform Euro Exchange in cases where their annual turnover exceeds the limits mentioned above.

In the event that the user subscribes to this Agreement as a physical person and annual turnover related to your User Account, the number of payments accepted by the user or use the Service User, in the reasonable opinion of Euro Exchange, suggest that user operations are business activities, Euro Exchange may inform the user that can cease providing the Services and give the user the ability to enter into this Agreement as a legal entity. If the User agrees not to enter into this Agreement as a legal person, Euro Exchange may resolve.

The User shall not refer to Euro Exchange, acquirers or card systems as if they had approved the goods and / or services the user

Account and Service Connection

To use the Service, the User will need to open an account in Euro Exchange, being obliged to provide the information required to register the account. In the event that the information changed, the User agrees to notify to Euro Exchange as soon as possible such changes by updating the account. Euro Exchange can not adequately provide the service if the user does not provide correct, complete and updated information. The User may also accept that Euro Exchange can block the User's account and refuse the access to the service and / or terminate the agreement in the case that the information given by the user is incomplete, incorrect or not duly updated.

EuroExchange will have the right to make the relevant questions to the corresponding bank to verify that the user is the owner of the bank account. Thus, the User acknowledges and agrees that Euro Exchange has that right and consents that the bank can perform the above mentioned. If it is verified that the bank account is incorrect or incomplete, Euro Exchange assumes no responsibility regarding the amounts paid to an account other than the User’s.

Euro Exchange may ask the user all the relevant information to verify that he/she complies with the provisions stated in the Directive 2005/60/ EU on Money Laundering, and that Euro Exchange may also conduct an analysis of the creditworthiness of the user.

Concerning the technical requirements, these are specified in the Web. The service can not be used when the technological characteristics of the device such as through the "jailbreak" technique were manipulated.

Privacy and Data Protection Policies

Euro Securities Exchange UK LTD is committed to protect and respect at all times the User's privacy and his /her personal data collected in order to provide him/her the service, being Euro Exchange the data processor of personal data.

The User shall protect, and unless legal requirement requested will not disclose, record or otherwise will not process card information or other information that may receive during the payment transactions. If the user becomes aware or suspicious of an unauthorized communication of such information, he/ she shall promptly inform Euro Exchange and providie such documentation and the assistance requested by Euro Exchange.

The User must manage card information in accordance with the standards and guidelines issued by PCI DSS at all times and can be found in www.pcisecuritystandards.org.

The user may click a link to the websites that we can not control, not applying our privacy policy in such cases

Euro Exchange handles personal data obtained when the User registers to use our services, when he/she contacts with Euro Exchange with our partners or third parties acting on our behalf and through the use of our website and services. Personal data that might be obtained from the user can be: the full name, ID or date of birth, the address, mobile number, email, IP address, the unique identifier of the device used to access and get our services and our websites, information on banking and information about the transaction history account (including location data).

Through the registration or the use of any services, the User agrees that his /her personal data are processed. To this regard, it is included any transfer of personal data to countries outside the EU / EEA. Also accepts to be sent email advertising and at any moment may choose stop receiving advertising from Euro Exchange.

If the User wishes to modify, to cancel, to update certain personal data or to express his/ her intention to stop receiving our advertising, he/ she can contact us at info@euroexchangsecurities.co.uk

Euro Exchange Securities UK LTD will not pass your contact details to any third party without your consent and all enquiries will be treated with the strictest confidentiality. User’s personal data may have to be transferred to the police or judicial authorities if required under the current legislation. The Company will contact you in the form established at your request or in other form when necessary regarding to any foreign exchange transaction between the User and the Company.

Any documentation provided will remain with us for five years and will be securely stored in the Client’s file.

The Client should be aware that calls may be recorded for security, monitoring training processes and the clarification of foreign currency exchange transactions.

Euro Exchange Securities UK LTD is registered with the Information Commissioner's Office for Data Protection with the registration number Z1480256.

Regarding the use of the password, the User must follow Euro Exchange’s procedures and safety instructions. It is his/her responsibility to ensure that the number and account password as well as other information to access to the Service (the "Account Information") are duly preserved in a safe place and that such information will not be disclosed to third parties. The User agrees to keep the information secure and unauthorized people can not have access. That Account information is personal and should not be transmitted to, or be used by, anyone other than the User, who must immediately inform Euro Exchange or change the login information if he or she suspects that an unauthorized person have had access to the information.

Cookies

When the user browses our websites, services, applications, tools or messages or interact with them, we or our authorized service providers we may use cookies, web beacons and similar technologies and thus store information in order to provide the User a faster and safer better experience, and also for advertising purposes.

This page is intended to help you have a better understanding of these technologies and of the use that we make in our sites and services, applications and tools. Below is a summary of some important facts that the User should know about the use of these technologies in our website.

Our cookies and other similar technologies have different functions. They are considered necessary for the operation of our services, and help us improve our performance, to provide additional functionality or to offer advertising specifically addressed for the User. We use cookies and other similar technologies that only remain on your device as long as your browser is active (session) and cookies and other similar technologies that remain on your device for longer (permanent). Users may delete or disable cookies if the device allows it and manage cookies and cookie preferences in your browser settings or device.

Where possible, appropriate security measures will be used to prevent unauthorized access to our cookies and access to other similar technologies. A unique identifier ensures that only we and / or our authorized service providers have access to data about cookies.

Service providers are companies that help us in different aspects of our business, such as site operations, services, applications, advertising and tools. We use some authorized service providers that help us to bringing relevant ads on our services and other areas of the Internet. These service providers can also leave cookies in your device using our services (so-called third-party cookies). They may gather information that helps them identify your device, such as IP address or other unique identifiers device.

Euro Exchange website, like many other websites, uses technologies (cookies) which are small data files stored on your computer, tablet, mobile phone or other devices that allow us to record certain information each time you visit our web, services, applications, messaging and tools, or which sites interact with them.

The names and specific types of cookies, web beacons and similar technologies that we use may change occasionally. To facilitate the understanding of this Policy cookies and our use of these technologies, we provide the following terminology and definitions:

Cookies: these are small text files that generally consist of letters and numbers stored in the memory of your browser or device when the User visits a website or when viewing a message.These deposit devices allow the website to recognize a certain device or browser.

It can be distinguished different types of cookies:

Session Cookies: expire at the end of the browser session allowing to link actions that are made during that session.

Permanent Cookies: are those remaining on your device between different sessions of the browser, allowing us to remember the actions and preferences made on various websites.

Fist- party Cookies: are determined by the web site you visit.

Third- party Cookies: created by the website a third party other than the one than it is being visited.

The cookies can be disabled or deleted with tools that are usually built into most commercial browsers by setting separate preferences for each browser that is being used.

Web beacons: are small graphic images (also called "pixel tags" or "transparent GIFs") may these also included in our web, services, applications, messages and tools sites.

Similar technologies: these technologies that store information on the browser or device using local shared objects or local storage, such as Flash cookies, cookies HTML 5 and other forms of web application software. These technologies can work in all browsers though, may be that in some cases the browser can not and must manage through the User’s device or the applications installed. You should know that we do not use these technologies to store information to provide targeted advertising on our websites or outside them.

We could interchangeably use the terms "cookies" or "similar technologies" to make mention of all the technologies we use to store data, or enable us to obtain information or help us to identify you.

Euro Exchange offers certain features of websites, services, applications and tools whose operation is subjected to the use of these technologies. The User will only be entitled to block, delete or disable these technologies if his/ her browser, installed application or device allows it. However, if he or she rejects cookies and other similar technologies, the User may not get benefits from certain features of the website, services, applications or tools.

It may also be possible that the User can be requested for his/ her password more frequently during his/her browsing session. For more information on how to block, delete or disable these technologies, you have to go to the settings on your browser or device.

These technologies allow our websites, services, applications and tools to store relevant and necessary information in his/her browser or device to read later in order to identify you on our servers and internal systems.

If appropriate, we will protect our cookies and similar technologies to help ensuring that it is only us or our authorized service providers can interpret these cookies by assigning a unique identifier that is designed to be played only by Euro Exchange. No personal information will be stored in our cookies or similar technologies.

Any personal information that Euro Exchange we collect and store using these technologies will be obtained after informing you about it and under your consent: our policy is to obtain the consent of the user warning him/her of the use of the technology transparently and giving him or her he opportunity to disable these technologies.

Our use of such technologies could be included in the following general categories:

1. Required for operation. We may use cookies, web beacons or similar technologies, necessary for the operation of our websites, services, applications and tools. It includes technologies that allows to have access to our websites, services, applications and tools; needed to identify an irregular behavior on the site, to avoid fraudulent activities and improve safety; or allow you to use our functions.

2. Related to performance. We may use cookies, web beacons or useful similar technologies to evaluate the performance of our websites, applications, services and tools, even as part of analysis practices that allow us to understand how the users use our websites to determine if they have interacted with our messages, to know if you have seen an element or link or to improve the content of our websites, applications, services or tools.

3. Related to functionality. We may use cookies, web beacons or similar technologies that allow us to offer the User an improved use or access to our website, services, applications or tools sites, which may include identification when you log on to our web sites or track your specified preferences specified functionality, interests.

4. Related to advertising or segmentation. We may use our own cookies or third parties ’s cookies and web beacons to show content, including ads relevant to their interests, on our websites or those of third parties, including the use of technologies that allow us to understand how useful are for you advertising and content shown as if you clicked on an ad.

For not receiving cookies or web beacons from third parties related to advertising, see "Networks and advertising exchanges operated by authorized third parties" section. If you choose not to accept cookies or web beacons from third parties relating to advertising, it simply means that you will not be the target of such advertising by using cookies, web or related third party technologies beacons.

In the event that the user does not wish to be applied none of the other technologies that we use in our websites, services, applications or tools, you simply have to block them, remove them or disable them as it allows your browser or device.

For more information about how to delete, disable or block cookies, you can visit AboutCookies.org

For specific information on how to adjust your browser settings cookies in the following browsers, you can click on the appropriate link below:

Internet Explorer:

- Internet Explorer 5

- Internet Explorer 6

- Internet Explorer 7

- Internet Explorer 8

- Internet Explorer 9

- Firefox

- Chrome

- Safari

- OSX / Mac OS

- iOS

It is possible that we collaborate with third-party companies authorized to keep third-party cookies, web beacons or similar technologies to store information on our websites or in our services, applications and tools with our permission. Service providers help to provide a better experience, faster and safer.

These service providers may use these technologies to help us show our own content and advertising, compile anonymous statistical and analytical data on the site. We do not allow any of these service providers to obtain any personal information in our websites or our services, applications or tools for their own purposes. We inform that these service providers are subject to confidentiality agreements with us and other legal restrictions regarding the use or collection of personal information. Third-party cookies are covered by the privacy policy of third parties.

Except for the use of such technologies by our service providers or other authorized third parties, we do not allow any third party content in our websites that include or use cookies, web beacons, local storage or similar technologies for the purpose of monitoring or obtaining your personal information. In the event that you think that an ad or some other third party content may be collecting personal information or using tracking technologies in one of our sites, you can report it to a info@euroexchangesecurities.co.uk

We inform the User that we could use third-party services such as advertising networks and exchanges that allow us to deliver ads to the user. These network providers and advertising exchangers could use third-party cookies, web beacons or similar technologies to obtain information about their visit to our web site or any other Internet website.

They can also pick up the ID, IP address or identifier for advertising (IDFA) of your device. The information they collect these third parties can be used to send you a more specific advertising in our websites or any other part of the web. Third-party cookies are covered by third parties’ privacy policies.

For more information about third-party cookies related to advertising, interest-based advertising and how to stop receiving advertising from companies involved in the self regulation industry, it the relevant website depending on their country of origin has to be visited:

• Your options in Internet

• About Ads

THIRD PARTY ANALYTICS

We use automated devices and applications, such as Google Analytics, Mixpanel, Mouseflow, VWO and Trendemon, to evaluate use of our Website and the Services. To opt-out of Google Analytics, please go to: https://tools.google.com/dlpage/gaoptout/. To opt-out of Mouseflow please go to https://mouseflow.com/opt-out/. You may opt-out of Mixpanel’s analytics by clicking here. To track opt-outs, Mixpanel will use a persistent cookie on your device. Please note that if you use a new or different computer, install a new browser, or clear your cookies, you may clear the Mixpanel opt-out cookie; in that case, you will need to re-opt-out through the link above.

We use these tools to help us improve our Services, performance and user experiences. These entities may use cookies and other tracking technologies to perform their services. These third parties may collect your device ID, IP address, or other information about your use of the Services as part of the analytics they provide to us.

THIRD-PARTY AD NETWORKS

We use third parties, such as network advertisers and other marketing agents, to display advertisements on our Website, to assist us in displaying advertisements on third party websites, and to evaluate the success of our advertising campaigns. Network advertisers are third parties that display advertisements based on your visits to our Website and unrelated third party websites. This enables us and these third parties to target advertisements by displaying ads for products and services in which you might be interested. Third party ad network providers, advertisers, sponsors and/or traffic measurement services may use cookies, JavaScript, web beacons (including clear GIFs), Flash LSOs and other technologies to measure the effectiveness of their ads and to personalize advertising content to you. These third party cookies and other technologies are governed by each third party’s specific privacy policy, not this one. We may provide these third-party advertisers with information about your use of our Website and our Services, as well as aggregate or non-personally identifiable information about visitors to our Website and users of our Service.

You may opt-out of many third-party ad networks, including those operated by members of the Network Advertising Initiative ("NAI") and the Digital Advertising Alliance ("DAA"). For more information regarding this practice by NAI members and DAA members, and your choices regarding having this information used by these companies, including how to opt-out of third-party ad networks operated by NAI and DAA members, please visit their respective websites: www.networkadvertising.org/optout_nonppii.asp (NAI) and www.aboutads.info/choices (DAA).

Opting out of one or more NAI member or DAA member networks (many of which will be the same) only means that those members no longer will deliver targeted content or ads to you. It does not mean you will no longer receive any targeted content or ads on our Website or other websites. You may continue to receive advertisements, for example, based on the particular website that you are viewing. Also, if your browsers are configured to reject cookies when you visit this opt-out page, or you subsequently erase your cookies, use a different computer or mobile device or change web browsers, your NAI or DAA opt-out may no longer be effective. Additional information is available on NAI’s and DAA’s websites accessible by the above links.

Changes To Our Privacy & Cookie Policy

This Policy may change from time to time. Any changes in the future will be posted on our Website and, where appropriate, notified to you by email or in your "My Account" on the Website. Please check back frequently to see any updates or changes to our Policy. Continued use of our Services will constitute acceptance of the Policy in place from time to time. We will not materially reduce your rights under this Policy without taking steps to bring such changes to your attention and obtain your consent to the same.

CONSENTING TO DO BUSINESS ELECTRONICALLY

Before you decide to do business electronically with Euro Exchange Securities, you should consider whether you have the required hardware and software capabilities described below.

SCOPE OF CONSENT

Your Consent and our agreement to conduct this transaction electronically only apply to this account. By consenting, Euro Exchange Securities and its agents will conduct transactions relating to this account with you electronically, and will provide all Disclosures related to this account to you electronically.

HARDWARE AND SOFTWARE REQUIREMENTS

To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: a PC with Internet access and an Internet Browser that meets the following minimum requirements: Microsoft® Internet Explorer 5.0 or later versions or Netscape Navigator 4.0 or later versions or Mozilla Firefox 1.0 or later versions. Also, the specific Internet Browser must support at least 128-bit encryption. To read some documents, you will need a PDF file reader like Adobe® Acrobat Reader. If at any time while this account is open, these requirements change in a way that creates a material risk that you may not be able to receive Disclosures electronically, Euro Exchange Securities and its agents will notify you of these changes. You will need a printer or a long-term storage device, such as your computer’s disk drive, to retain, download or print a copy of the Disclosures for future reference.

WITHDRAWING CONSENT

You are free to withdraw Your Consent at any time. If at any time you wish to withdraw Your Consent, you can send us your request by submitting a request through our 'Contact Us' link which can be found at the bottom of the web page or in writing to Euro Exchange Securities., 107 Great Portland Street, London, W1W 6QG, United Kingdom. If you decide to withdraw Your Consent, the legal effectiveness, validity and/or enforceability of prior electronic Disclosures will not be affected and your Account will be closed.

CHANGE TO YOUR CONTACT INFORMATION

You must keep us informed of any change in your electronic address, mailing address, or telephone number. You may contact us by submitting a request through our 'Contact Us' link which can be found at the bottom of the web page or in writing to Euro Exchange Securities., 107 Great Portland Street, London, W1W 6QG, United Kingdom.

YOUR ABILITY TO ACCESS DISCLOSURES

Byselecting the ELECTRONIC DISCLOSURES check box, you acknowledge that you can access the disclosures in the designated formats described above. By selecting the ELECTRONIC DISCLOSURES check box, you acknowledge that you have read the information about electronic signatures, records, disclosures, and doing business electronically in this consent to electronic disclosures. You consent to: Having all disclosures provided or made available to you in electronic form and to doing business with Euro Exchange Securities and its agents or third party providers electronically. You acknowledge that you may not request a paper copy of the disclosures.

SECURITY CENTER

At Euro Exchange Securities we invest substantial time and resources in the latest security protocols and technologies. It is our highest priority to create and maintain a secure environment so you can access your account and manage your financial transactions with peace of mind.

• Euro Exchange Securities Card and Account Protection

• Data Protection

• Preventing Fraud and Scams

• Email Notifications about Card Usage

• Protecting Yourself Online

• Security of Your Computer

• Public Log In Guidelines

• Passwords for Your Euro Exchange Securities Account

• Password Protection Standards

• Phishing Emails

• Good Habits for Euro Exchange Securities Card Security

• Using the Mobile App Safely

• Protect Your Mobile Device

• Reporting Fraud

• Suspected Phishing Attempts or Other Suspicious Emails

• Contact Us

Intellectual Property

Both the name and logo as well as the related trademarks of EuroExchange are owned by EuroExchange, are registered and used in USA, Europe and many countries around the world. All other trademarks, service marks and trade names that are mentioned on this site are property of their respective owners.

It is therefore strictly forbidden any copying, reproduction or use of trademarks or logos appearing on this site, without the express, prior written consent of EuroExchange

Registration Obligations

In consideration to the Use of Service, the customer agrees to:

Provide true, accurate, current and complete information about himself/herself and his/her company as prompted by the Service's registration form.

Maintain and promptly update the Registration Data to keep it true, accurate, current and complete.

If you provide any information that is untrue, inaccurate or incomplete, or we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, we have the right to suspend or terminate the Service (or any portion thereof).

Limits on use

You agree to use the Service strictly for personal, corporate, internal and non-commercial use. You may download, retrieve and display the Service from the Web site on the computer screen, print individual pages on paper, photocopy and store such pages in an electronic form on disk, provided all the intellectual property in the Service continues to vest with us (but not on any server or other storage device connected to a network). You shall not:

Reverse engineer, decompile, disassemble, copy , reproduce, distribute, modify, transmit, perform, publish or create derivative works from or in any way exploit any of the Service in violation of this Terms of Use or the laws of any country.

Redistribute the Service (including by using it as a part of any library, archive or similar device) create a database in electronic or structured manual form by systematically downloading and storing all or any of the Service.

Rent, lease, sell, sublicense, or lend your access to the Service.

Cache or permit caching by any person.

Do any act that violates our intellectual property in the Service.

Engage in any fraudulent, abusive or illegal activity, including but not limited to any communication or solicitation designed or intended to fraudulently obtain the password or any private information of any user.

Use the Web site or Service to violate the security of any computer network, crack passwords or security encryption codes, transfer or store illegal material including threatening or obscene material or engage in any kind of illegal activity.

Run mail list or any form of auto-responder, or Spam on our Web site or any processes that are run or are activated while you are not logged on.

Termination

If you violate any term or we have grounds to believe that you have violated any term of this Terms and Conditions, we may terminate this Terms and Conditions without waiving any other rights. If this Terms of Use is terminated, you will be denied access to the Service or any part thereof. We shall not refund the subscription fee or any part thereof, if the access is denied or this Terms of Use is terminated for any of the reasons mentioned above.

Notifications and Information

Written notifications of Euro Exchange to the User will be produced in English and will be sent by email to the email address that has been specified by the User or through the application.

Any notice sent to the User in this manner shall be deemed received by the User no later than 48 hours.

The information Euro Exchange must provide to the User in accordance with the applicable regulations, is available on the website of Euro Exchange. The User shall be entitled to receive, upon request, a copy of this Agreement as well as any additional information that must be provided in accordance with the Rules in a clear and accurate. That request must be submitted in writing to the stated Euro Exchange addressed.

Cession

The User may not under any circumstances give any rights or obligations in connection with the Service or the Account User to any third party without the prior express written consent by Euro Exchange, which has the right to assign, in whole or in part its rights to a third party under this Agreement without the consent of the user.

Additions and modifications

Euro Exchange may at any time and at its discretion, make additions or modifications to this Agreement. These innovations will be conducted in English and Spanish. If the User is a consumer, you will be informed of changes or additions, which will take effect within two months from its communication. If the user does not accept the modifications or additions that were communicated to him/ her, he /she shall be entitled to terminate this Agreement in accordance as established in paragraph named "Termination". If the user does not inform Euro Exchange for non-acceptance of proposed additions or modifications before the date of its entry into force, it shall be deemed that he/she had accepted. For the avoidance of doubt, if the User is not a consumer, modifications or additions will take effect immediately.

Euro Exchange shall have the right at all times to immediately adopt amendments (including price changes) required by Laws, Regulations or Resolutions of the competent authorities, as well as the rules and regulations issued by the Acquirers or Card Systems.

Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF)

AML/CTF Compliance In dealing with the Company, the Client acknowledges and agrees that the Company is obliged to adhere to applicable AML/CTF Regulations in all relevant jurisdictions. The Client will not attempt to initiate any Transactions that may contravene any AML/CTF Regulations and will provide such information as is necessary or desirable for the Company to comply with its AML/CTF obligations.

Information Collection: The Company reserves the right to collect such information as is necessary from the Client to meet its obligations under applicable AML/CTF Regulations. The Company may pass on information collected from the Client and relating to Transactions as required by applicable AML/CTF Regulations and is under no obligation to inform the Client it has done so. The Company may undertake all such AML checks in relation to the Client, its Authorised Signatories or any Transaction (including restricted lists, blocked persons and countries lists) as may be deemed necessary or appropriate by the Company, and reserves the right to take any actions (including cancellation of the Transaction, refusal to remit payments, and freezing or blocking of funds or access) with no liability to the Client or any third party.

Transmission of Information to Regulatory Bodies: The Company reserves the right to provide all such information regarding the Client and any Transactions in relation to its obligations to, or requests (whether legally binding or not) by, any relevant regulatory body.

General

Euro Exchange, reserves the right to change, without any notice, the terms and conditions under which the service is offered. You are responsible for regularly reviewing the Terms and Conditions. The User agrees that no joint venture, partnership, employment, or agency relationship exists between us as a result of these Terms and Conditions or use of this website. These Terms of Use constitute the entire agreement between us with regarding this website and the Service and supersedes all communications and prior or contemporaneous proposals, both electronic, oral or written, between us regarding this Web site and service .

Returns & Refunds

A Transaction shall be considered to be unauthorised if you have not given your consent for the Transaction to be made. If you believe that a Transaction has been made without your consent you should contact us in accordance with therms.

A claim for a refund of an authorised Transaction must be made within 8 weeks from the date on which the funds were deducted from your Available Balance. Within 10 Business Days of receiving your claim for a refund we will either refund the full amount of the Transaction or provide you with justification for refusing the refund.

If you are not satisfied with the justification provided for refusing the refund or with the outcome of your claim for a refund, you may submit a complaint to us or contact the complaints authority as described in therms.

We may charge fees in connection with any of our services and facilities that you have made use of or requested based on our Schedule of Fees.

Where any request, transaction, disputed transaction, arbitration or reversed transaction involves third party costs you remain liable for these and they will be deducted from your account or otherwise charged to you.

We may charge you an Administration Fee in the following circumstances:

in the event that you make any payment to us that is subsequently reversed after 60 days due to inadequate account information or inadequate KYC documentation;

in the event of a request for arbitration of a disputed Transaction;

To cover our costs and expenses in providing you with manual support on your account (e.g. a request for legal, police, court or other judicial support).

We may charge you a Reverse Payment Charge where a receiving bank declines receipt of a payment following a request to transfer your funds.

Governing Law & Jurisdiction

Any dispute arising between the parties shall be construed in accordance with the provisions of the British Law and all disputes which can not be solved in a negotiated, will be resolved by the courts and British courts.

Save in relation to EU customers, this Policy shall be governed by and interpreted in accordance with the laws of the State of Florida, and any dispute hereunder shall be brought exclusively in the courts of the State of Florida except where prohibited by US law.

For our EU customers, this Policy shall be governed by and interpreted in accordance with the laws of United Kingdom, and any dispute hereunder shall be brought exclusively in the courts of United Kingdom.

Data Protection Act 1998/CHAPTER 29/UK - DIRECTIVE 95/46/EC OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 24 October 1995/Reform of EU Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation) 

Directive (EU) 2016/680 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data by competent authorities for the purposes of the prevention, investigation, detection or prosecution of criminal offences or the execution of criminal penalties, and on the free movement of such data, and repealing Council Framework Decision 2008/977/JHA.

Contact Us

If you have any queries you can contact us at Euro Exchange Securities UK LTD, 107 Great Portland Street, London, W1W 6QG, United Kingdom or you can call us on +44(0) 207 636 3430 or fax us on +44(0) 207 637 3125.