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They govern a your use the Wirex Dashboard; b all Wirex Transaction s ; c opening of a Wirex Account; and d all other Wirex Services which Wirex enters into or provides to you. You acknowledge that where you fail to provide such information or to satisfy such facial recognition, Wirex may take such steps as it deems necessary to prevent your use of the Wirex Services. This includes monitoring of suspicious transactions and obligatory reporting to local regulators and other compliance bodies.
Enhanced Account-holder review may be carried out periodically at our discretion as part of our ongoing risk assessment. In addition to this, any attempt to abuse Wirex or its platform will result in immediate account suspension and reporting violations to respective authorities. Identity and proof of address documents and transaction records will be maintained for at least six years and will be submitted to regulators as required without prior notification to registered users.
Wirex may at any time without liability and without disclosing any reason, suspend the operation of your account. Wirex shall notify you after exercising its rights under this clause. You undertake that, if your details change, you will notify us immediately.
You agree and acknowledge that Wirex shall not be liable for any losses that occur due to the submission of invalid, incorrect or inaccurate Information. You agree to cooperate with all requests made by us or any of our third party service providers on our behalf in connection with your Wirex Account, to identify or authenticate your identity or validate your funding sources or Wirex Transactions.
This may include, but is not limited to, asking you for further information that will allow Wirex to reasonably identify you, including requiring you to take steps to confirm ownership of your phone number or payment instruments or verifying your Information against third party databases or other sources as we choose.
Some of the searches which we or a third party may perform, such as a credit check, may leave a soft footprint on your credit history. This will not affect your credit rating. By entering into these Terms, you confirm that you consent to us or a third party on our behalf carrying out such verifications. If at any time we believe that your information is outdated or inaccurate, we may contact you and request further information or request that you go through the verification process again.
Your Wirex Transaction Limit will be adjusted accordingly while we verify your identify. We shall not be liable for any losses arising out of your failure to maintain up to date information. Wirex reserves the right to use non-documentary means where necessary to verify the true identity of the Wirex Account-holder. Where we find suspicious information that indicates possible money laundering, terrorist financing activity, or other suspicious activity, we will, in conjunction with our MLRO report that activity in accordance with applicable laws and regulations.
We will retain records of all identification information for five years from the date it is provided or an account is closed, whichever is later. The information we hold will be treated as confidential unless disclosure is required to a third party, in which case such disclosure shall be made in accordance with applicable laws. We are legally obligated to collect and maintain this information, notwithstanding any request made to us to erase such information. These currencies are subject to change from time to time.
This is not the same as a banking institution holding money for you. Neither we nor our Card Issuer use the funds to invest or lend to other persons or entities.
Your Electronic Money will not accrue interest. Our Cryptocurrency Custodians control only one of three multi-signature wallet keys in each case. The remaining two wallet keys in each case are controlled by Wirex. Please refer to our Cryptocurrency-specific Terms, as referenced in paragraph 1. Wirex will report any suspicious activity and cooperate with any relevant law enforcement agency or regulator;.
You must ensure that you only enter into Wirex Transactions relating to the sale or supply of goods and services in compliance with all applicable laws and regulations. Where a person or entity accepts payments via a Wirex Transaction you should not infer that their supply or provision of the goods and services is legal.
The action we may take includes but is not limited to:. Failure to disable the Wirex Card upon becoming aware of it being lost or stolen may mean that you lose your right to any compensation for an Unauthorised Wirex Transaction.
All Wirex Transactions are processed by automated methods. Anyone who obtains access credentials to the Wirex Dashboard or access to a Wirex Card could use it to enter into Wirex Transactions without your permission.
If you suspect identity theft or theft of Electronic Money, we suggest that you contact your local police as well. In order to lift your receiving limit, you must provide us with any supplemental information we request. If you have a Top-Up limit on your Wirex Account, you may be able to view it by logging onto your Wirex Dashboard and accessing the Profile section. The purchase of Electronic Money via Default Payment Card will be for the amount and the currency defined by you.
You can set up or cancel this function at any time using the Wirex Dashboard. The automatic Top-Up function allows you to automatically Top-Up your Wirex Account if the balance of your Wirex Account drops below a certain amount, which you set on the Wirex Dashboard.
Please make sure that there is enough money for the Top-Up in the account your Default Payment Card is linked to. To perform a User Bank Transfer within the Wirex Dashboard, you will be required to add and verify your bank account and subject to the terms of the bank mandate used by your bank to set up and maintain the authority.
The details of the bank account, belonging to Wirex, to send the money to will be set out on the Wirex Dashboard. Please take care or ask the third party making a Third Party Bank Transfer to take care to enter the correct bank account details when performing the User Bank Transfer or Third Party Bank Transfer, to make sure the money reaches us.
If we receive your money in a currency other than the currency you indicated to us when we provided you with the bank account details, then we will not be liable for any losses that you incur if our bank performs a currency conversion to change the money received into the currency of our bank account to which the money was sent.
In addition to virtual receipts, merchants should provide you with receipts when you enter into a Wirex Card Purchase. Wirex will not and is under no obligation to provide you with a physical receipt or other written confirmation in connection with any Wirex Transaction. The currencies of Electronic Money which you are able to purchase and store in your Wirex Account are limited to those set out on the Wirex Dashboard and are subject to change from time to time without us being required to provide you with notice.
By entering into these Terms, you accept sole responsibility for entering into the Electronic Money Exchange. Wirex will not be responsible for any losses you incur as a result of you using this function. Please refer to the Fees Section for more information on the interbank rate. It is your responsibility to stay informed of any changes to the limits and fees applied to any exchanges at the interbank rate. Any error may result in the Electronic Money Transfer being unsuccessful or delayed.
We shall not be liable for any losses you incur from entering an incorrect unique identifier. If the Counterparty does not sign up to Wirex within 72 hours of the SMS being sent to them, then the pending Electronic Money Transfer will be terminated.
This may involve entering your Card PIN. If you choose to withdraw cash in a currency other than the currency for which you hold enough Fiat Currency in your Wirex Account, your withdrawal may be declined.
Please note that the ATM provider may, in addition charge its own fee for ATM Withdrawals which we have no control over or liability for.
Where you do so Wirex will redeem Electronic Money in your Wirex Account and the merchant will be sent, less any fees from the Wirex Card Issuer, the equivalent amount of money. We will provide you with notice of any changes to the Fees in accordance with these Terms. If your Wirex Account balance is insufficient to cover the fees for the delivery of the replacement Wirex Card, then we may refuse to issue the replacement Wirex Card.
If your Wirex Card has been lost, stolen or misappropriated we will only charge you for the costs associated with replacing your Wirex Card and sending it to your applicable jurisdiction.
Where your Wirex Account does not hold a sufficient GBP balance to pay such fees, we shall deduct the equivalent fees from a different currency balance s calculated using our Exchange Rates. Where your Wirex Account does not hold sufficient Electronic Money to pay your fees in any currency, you agree that Wirex may deduct applicable fees using the details of the Default Payment Card you supplied when signing up for the Wirex Services or which you subsequently provide to us.
We reserve the right to suspend your access to your Wirex Services if we are not paid on time any monies owing to us by you. Please be aware that some ATM providers charge additional fees for the use of their ATMs and some merchants add a surcharge for accepting certain types of cards.
However, in certain circumstances, it is not possible for the Standard Exchange Rate to be the interbank rate including when the FX market is closed on weekends or on bank holidays or when your Exchange Rate involves illiquid currencies.
In such instances, the Standard Exchange Rate will be different from the interbank rate. Please see the Fees Section for more details. It is your responsibility to ensure that you are happy with the Exchange Rate we offer you, prior to entering into each Wirex Transaction. In addition, our live exchange rates are available on the Wirex Dashboard.
A real time balance may not take into account pending debits and credits. Wirex will provide you with information on pending debits and credits as soon as it has that information. If you fail to do so:. Wirex may, from time to time, provide you with procedures or methods to remove or increase such limits.
You shall have no similar right of set-off. For the avoidance of doubt, this includes if one of the currency balances in your Wirex Account shows that you owe us an amount of funds for any reason or has a negative balance, Wirex may set-off the amount you owe us by using funds you maintain in that currency or in a different currency balance or by deducting amounts you owe us from money you receive into your Wirex Account, or money you attempt to withdraw or send from your Wirex Account, or in a different Wirex Account which you control and by deducting funds from any withdrawals you attempt to make.
We do not need to notify you of this conversion occurring. If for whatever reason we are unable to exercise our right of set-off pursuant to Clause Failure to notify us immediately on becoming aware or within the 2 months of the date of the unauthorised or incorrectly executed Electronic Money Transfer, Wirex Bank Transfer, ATM Withdrawal or Wirex Card Purchase will result in you losing your entitlement to have the matter corrected.
You can notify us via the Wirex Dashboard. We will however, upon your request, make efforts to trace any non-executed or defectively executed payment transactions and notify you of any outcome involving our search. Where we are liable, we will immediately re-transmit the payment order in question.
You agree to reimburse the Wirex Card Issuer, Wirex, a Wirex User, or a third party for any and all such liability, to the extent not prohibited by applicable law. You are liable to the state and other subjects for fulfilment of all tax obligations independently. Wirex shall not be responsible for the execution of tax obligations, or calculation and transfer of taxes applied you. You accept that after your Wirex Account has been closed, Wirex will store personal data about you and your Wirex Transactions for a period of five years.
After the expiry of this period you will not be able to access your Wirex Account but you may withdraw any remaining funds for a period of six years from the date of closure of your Wirex Account by contacting Wirex Customer Services and requesting that the funds be sent to you by returning the funds by either a card refund or bank transfer. When your Wirex Account is closed, any pending instructions will be cancelled.
If you attempt to close your Wirex Account while Wirex is conducting an investigation, it may freeze the account to protect all parties to the Wirex Services, its affiliates, or a third party against any liability. You will remain liable for any obligations related to your Wirex Account even after it is closed. We will provide Communications to you by making them available on the Wirex Dashboard or by emailing them to you at the primary email address listed in your Wirex Account Profile.
You are obligated to review your notices and Wirex Transaction History, and to promptly report any questions, apparent errors, or unauthorised Wirex Transactions. Failure to contact us in a timely manner may result in loss of funds or important rights. It is your responsibility to ensure you regularly check the Wirex Dashboard and that your contact information stored on your profile in the Wirex Dashboard is up to date. You may contact us in accordance with these Terms via the the Wirex Dashboard.