Terms and Conditions
1. MONEY TRANSFER SERVICE
These Terms and Conditions govern the money transfer services provided to you by OPAL TRANSFER LTD with the Registration number 04741528, head office on 72 King William Street, London, EC4N 7HR, United Kingdom, with telephone numbers +44 (0) 207 976 5445, +44 (0) 207 828 4222, and email address: manager@opaltransfer.com, referred further to as "we", "our", or "us".
2. SENDING A PAYMENT
You must provide us with information that clearly identifies:
• The individual to whom you are sending the money (the "receiver"); and/or
• details of the receiver's payment account (if they have one); and/or
• any other relevant information required to execute the money transfer.
3. ELIGIBILITY
To be eligible for our Services, you must be at least 18 years old. You further represent and warrant to us that if you are an individual and you registered with Opal Transfer Ltd, and that you are not acting on behalf of an undisclosed principal or a third party.
4. TIMING
We will transfer your payment so that the money reaches the firm, bank, or bank account where your receiver can collect it mostly on the next business day after we received your instruction and full payment for the transfer.
If we did not receive your payment instruction before 16:00 on a business day for us, or if we received it on a day that is not a business day for us, we might treat it as if we received it on the next business day.
You cannot amend or cancel your instruction to us after the payment was executed and/or paid out.
"Business day" means a day on which we and the money transfer destination firm/bank and intermediary bank are open for business, other than a Saturday or Sunday or a public holiday in the UK or in the destination country.
5. FEES AND CHARGES
5.1 When you are sending money, you agree to pay us, at the time we accept your instruction to send your money transfer, the fees and charges in accordance to information available in our branches, leaflets, or on the website www.opaltansfer.com.
5.2 When you are receiving money, we may deduct, from the money transferred to us before we make it available to you, the fees and charges in accordance to information available in our branches, leaflets, or on the website www.opaltansfer.com.
6. EXCHANGE RATES
Our exchange rates are available at the premises, at call centre operators, or on the website www.opaltransfer.com. We will write, on request, on your payment instruction form or receipt the exchange rate applied to your money transfer when you are sending or receiving money. Our exchange rates may change during the day. The exchange rate applies at the moment you give the money transfer instruction to us.
7. REFUND AND REFUSE
If you wish to cancel a transfer or request a refund of the incorrectly transferred amount:
• You can call us at the telephone numbers +44 (0) 207 976 5445, +44 (0) 207 828 4222, send a written request to our head office address 72 King William Street, London, EC4N 7HR by letter, or email us at manager@opaltransfer.com.
• Where possible, please enclose a copy of your Receipt. We aim to process such requests promptly but, in any case, within 30 days.
• If you cancel a transfer, we will generally refund the principal amount that you sent to us before exercising your right of cancellation, but:
a. we may not refund the commission as a reflection of the costs already incurred by us, except when the cancellation is due to an error made by Opal Transfer.
b. we will not refund you after the payment was executed and/or paid out before we get your notice of cancellation.
• If you notice an error in either the payment sent or received, as a result of using the Opal Transfer services, then you should immediately notify us by writing an email at manager@opaltransfer.com or by contacting our Call centre at +44 (0) 207 976 5445.
• If you become aware that you received a payment above/less than you were expecting, you must notify us about that so that arrangements can be made for you/us to return any overpayment/underpayment immediately.
• Opal Transfer reserves the right to refuse to accept any transaction at its discretion.
8. GENERAL
We are not obliged to perform our obligations if abnormal and unforeseeable circumstances beyond our control prevent us from doing so.
If the money transfer is made to a bank account, we are unable to return it after execution unless the receiver gives such permission to his/her bank and the money has been returned to Opal Transfer account.
No compensation is available from the Financial Services Compensation Scheme if we are unable to meet our obligations. Our relationship with you is not that of a bank or trustee.
Neither these Terms and Conditions nor any transaction carried out under them shall confer contractual or other rights on, or be enforceable against us by, any party other than you.
We are not responsible for any losses not directly associated with any incident that may cause you to claim us, nor are we liable for the loss of profits, loss of business, loss of goodwill, or any form of special damages.
You agree that you are not sending or receiving a payment transfer for or connected with any criminal or illegal purpose.
You agree to help us in the discharge of our anti-money laundering, security validation, and verification responsibilities by providing such information as we may request.
You agree to provide us with accurate and complete personal information such as: full name and surname, date of birth, valid personal identity document, current residential address, phone number, email address, and keep it up to date. Corporate clients should update us with any business changes and keep valid personal information of shareholders, directors, and authorized persons.
It is your responsibility to let us know if there are inaccuracies or changes to your personal information. All changes can be done by login into your account online or mobile application. Also, you can notify us via email at info@opaltransfer.com or by calling our Call Centre at +44 (0) 207 976 5445.
We may use information that we have about you to discharge our anti-money laundering, security validation, and verification responsibilities, to provide our services, and to manage our relationship with you. We may make searches of credit reference agencies who will supply us with information on verification of personal details provided by you to prevent or detect fraud or to assist in verifying your identity. If we cannot find enough information, we will ask you to provide some additional documents instead. The credit reference agencies will record details of the search type “identification” whether or not this application of registration proceeds.
We may disclose that information to the sender, receivers, and intermediaries in the course of providing our services or as required by Regulation (EU) 2015/847 on information on: the sender 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 the transfer of information to countries that do not have data protection laws as strict as those in the UK.
9. LAW AND JURISDICTION
These Terms and Conditions and all matters arising from or connected with them are governed by English law. The courts of England have exclusive jurisdiction to settle any dispute arising from or connected with these Terms and Conditions, including a dispute regarding their existence, validity or termination, or relating to any non-contractual or other obligation arising out of or in connection with them, or the consequences of their nullity.
10. COMPLAINTS
Please tell us if you have any problems with our service and use the telephone numbers +44 (0) 207 976 5445, +44 (0) 207 828 4222, or write an email at manager@opaltransfer.com. We will seek to resolve your complaint as quickly as possible. If you are not happy with our response, or if we have not finished investigating your complaint and given our final response after 15 Business days, you may refer your complaint to The Financial Ombudsman Service, with the address Exchange Tower, London, E14 9SR, UK.
1. MONEY TRANSFER SERVICE
These Terms and Conditions govern the money transfer services provided to you by OPAL TRANSFER LTD with the Registration number 04741528, head office on 72 King William Street, London, EC4N 7HR, United Kingdom, with telephone numbers +44 (0) 207 976 5445, +44 (0) 207 828 4222, and email address: manager@opaltransfer.com, referred further to as "we", "our", or "us".
2. SENDING A PAYMENT
You must provide us with information that clearly identifies:
• The individual to whom you are sending the money (the "receiver"); and/or
• details of the receiver's payment account (if they have one); and/or
• any other relevant information required to execute the money transfer.
3. ELIGIBILITY
To be eligible for our Services, you must be at least 18 years old. You further represent and warrant to us that if you are an individual and you registered with Opal Transfer Ltd, and that you are not acting on behalf of an undisclosed principal or a third party.
4. TIMING
We will transfer your payment so that the money reaches the firm, bank, or bank account where your receiver can collect it mostly on the next business day after we received your instruction and full payment for the transfer.
If we did not receive your payment instruction before 16:00 on a business day for us, or if we received it on a day that is not a business day for us, we might treat it as if we received it on the next business day.
You cannot amend or cancel your instruction to us after the payment was executed and/or paid out.
"Business day" means a day on which we and the money transfer destination firm/bank and intermediary bank are open for business, other than a Saturday or Sunday or a public holiday in the UK or in the destination country.
5. FEES AND CHARGES
5.1 When you are sending money, you agree to pay us, at the time we accept your instruction to send your money transfer, the fees and charges in accordance to information available in our branches, leaflets, or on the website www.opaltansfer.com.
5.2 When you are receiving money, we may deduct, from the money transferred to us before we make it available to you, the fees and charges in accordance to information available in our branches, leaflets, or on the website www.opaltansfer.com.
6. EXCHANGE RATES
Our exchange rates are available at the premises, at call centre operators, or on the website www.opaltransfer.com. We will write, on request, on your payment instruction form or receipt the exchange rate applied to your money transfer when you are sending or receiving money. Our exchange rates may change during the day. The exchange rate applies at the moment you give the money transfer instruction to us.
7. REFUND AND REFUSE
If you wish to cancel a transfer or request a refund of the incorrectly transferred amount:
• You can call us at the telephone numbers +44 (0) 207 976 5445, +44 (0) 207 828 4222, send a written request to our head office address 72 King William Street, London, EC4N 7HR by letter, or email us at manager@opaltransfer.com.
• Where possible, please enclose a copy of your Receipt. We aim to process such requests promptly but, in any case, within 30 days.
• If you cancel a transfer, we will generally refund the principal amount that you sent to us before exercising your right of cancellation, but:
a. we may not refund the commission as a reflection of the costs already incurred by us, except when the cancellation is due to an error made by Opal Transfer.
b. we will not refund you after the payment was executed and/or paid out before we get your notice of cancellation.
• If you notice an error in either the payment sent or received, as a result of using the Opal Transfer services, then you should immediately notify us by writing an email at manager@opaltransfer.com or by contacting our Call centre at +44 (0) 207 976 5445.
• If you become aware that you received a payment above/less than you were expecting, you must notify us about that so that arrangements can be made for you/us to return any overpayment/underpayment immediately.
• Opal Transfer reserves the right to refuse to accept any transaction at its discretion.
8. GENERAL
We are not obliged to perform our obligations if abnormal and unforeseeable circumstances beyond our control prevent us from doing so.
If the money transfer is made to a bank account, we are unable to return it after execution unless the receiver gives such permission to his/her bank and the money has been returned to Opal Transfer account.
No compensation is available from the Financial Services Compensation Scheme if we are unable to meet our obligations. Our relationship with you is not that of a bank or trustee.
Neither these Terms and Conditions nor any transaction carried out under them shall confer contractual or other rights on, or be enforceable against us by, any party other than you.
We are not responsible for any losses not directly associated with any incident that may cause you to claim us, nor are we liable for the loss of profits, loss of business, loss of goodwill, or any form of special damages.
You agree that you are not sending or receiving a payment transfer for or connected with any criminal or illegal purpose.
You agree to help us in the discharge of our anti-money laundering, security validation, and verification responsibilities by providing such information as we may request.
You agree to provide us with accurate and complete personal information such as: full name and surname, date of birth, valid personal identity document, current residential address, phone number, email address, and keep it up to date. Corporate clients should update us with any business changes and keep valid personal information of shareholders, directors, and authorized persons.
It is your responsibility to let us know if there are inaccuracies or changes to your personal information. All changes can be done by login into your account online or mobile application. Also, you can notify us via email at info@opaltransfer.com or by calling our Call Centre at +44 (0) 207 976 5445.
We may use information that we have about you to discharge our anti-money laundering, security validation, and verification responsibilities, to provide our services, and to manage our relationship with you. We may make searches of credit reference agencies who will supply us with information on verification of personal details provided by you to prevent or detect fraud or to assist in verifying your identity. If we cannot find enough information, we will ask you to provide some additional documents instead. The credit reference agencies will record details of the search type “identification” whether or not this application of registration proceeds.
We may disclose that information to the sender, receivers, and intermediaries in the course of providing our services or as required by Regulation (EU) 2015/847 on information on: the sender 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 the transfer of information to countries that do not have data protection laws as strict as those in the UK.
9. LAW AND JURISDICTION
These Terms and Conditions and all matters arising from or connected with them are governed by English law. The courts of England have exclusive jurisdiction to settle any dispute arising from or connected with these Terms and Conditions, including a dispute regarding their existence, validity or termination, or relating to any non-contractual or other obligation arising out of or in connection with them, or the consequences of their nullity.
10. COMPLAINTS
Please tell us if you have any problems with our service and use the telephone numbers +44 (0) 207 976 5445, +44 (0) 207 828 4222, or write an email at manager@opaltransfer.com. We will seek to resolve your complaint as quickly as possible. If you are not happy with our response, or if we have not finished investigating your complaint and given our final response after 15 Business days, you may refer your complaint to The Financial Ombudsman Service, with the address Exchange Tower, London, E14 9SR, UK.
1. MONEY TRANSFER SERVICE
These Terms and Conditions govern the money transfer services provided to you by OPAL TRANSFER LTD with the Registration number 04741528, head office on 72 King William Street, London, EC4N 7HR, United Kingdom, with telephone numbers +44 (0) 207 976 5445, +44 (0) 207 828 4222, and email address: manager@opaltransfer.com, referred further to as "we", "our", or "us".
2. SENDING A PAYMENT
You must provide us with information that clearly identifies:
• The individual to whom you are sending the money (the "receiver"); and/or
• details of the receiver's payment account (if they have one); and/or
• any other relevant information required to execute the money transfer.
3. ELIGIBILITY
To be eligible for our Services, you must be at least 18 years old. You further represent and warrant to us that if you are an individual and you registered with Opal Transfer Ltd, and that you are not acting on behalf of an undisclosed principal or a third party.
4. TIMING
We will transfer your payment so that the money reaches the firm, bank, or bank account where your receiver can collect it mostly on the next business day after we received your instruction and full payment for the transfer.
If we did not receive your payment instruction before 16:00 on a business day for us, or if we received it on a day that is not a business day for us, we might treat it as if we received it on the next business day.
You cannot amend or cancel your instruction to us after the payment was executed and/or paid out.
"Business day" means a day on which we and the money transfer destination firm/bank and intermediary bank are open for business, other than a Saturday or Sunday or a public holiday in the UK or in the destination country.
5. FEES AND CHARGES
5.1 When you are sending money, you agree to pay us, at the time we accept your instruction to send your money transfer, the fees and charges in accordance to information available in our branches, leaflets, or on the website www.opaltansfer.com.
5.2 When you are receiving money, we may deduct, from the money transferred to us before we make it available to you, the fees and charges in accordance to information available in our branches, leaflets, or on the website www.opaltansfer.com.
6. EXCHANGE RATES
Our exchange rates are available at the premises, at call centre operators, or on the website www.opaltransfer.com. We will write, on request, on your payment instruction form or receipt the exchange rate applied to your money transfer when you are sending or receiving money. Our exchange rates may change during the day. The exchange rate applies at the moment you give the money transfer instruction to us.
7. REFUND AND REFUSE
If you wish to cancel a transfer or request a refund of the incorrectly transferred amount:
• You can call us at the telephone numbers +44 (0) 207 976 5445, +44 (0) 207 828 4222, send a written request to our head office address 72 King William Street, London, EC4N 7HR by letter, or email us at manager@opaltransfer.com.
• Where possible, please enclose a copy of your Receipt. We aim to process such requests promptly but, in any case, within 30 days.
• If you cancel a transfer, we will generally refund the principal amount that you sent to us before exercising your right of cancellation, but:
a. we may not refund the commission as a reflection of the costs already incurred by us, except when the cancellation is due to an error made by Opal Transfer.
b. we will not refund you after the payment was executed and/or paid out before we get your notice of cancellation.
• If you notice an error in either the payment sent or received, as a result of using the Opal Transfer services, then you should immediately notify us by writing an email at manager@opaltransfer.com or by contacting our Call centre at +44 (0) 207 976 5445.
• If you become aware that you received a payment above/less than you were expecting, you must notify us about that so that arrangements can be made for you/us to return any overpayment/underpayment immediately.
• Opal Transfer reserves the right to refuse to accept any transaction at its discretion.
8. GENERAL
We are not obliged to perform our obligations if abnormal and unforeseeable circumstances beyond our control prevent us from doing so.
If the money transfer is made to a bank account, we are unable to return it after execution unless the receiver gives such permission to his/her bank and the money has been returned to Opal Transfer account.
No compensation is available from the Financial Services Compensation Scheme if we are unable to meet our obligations. Our relationship with you is not that of a bank or trustee.
Neither these Terms and Conditions nor any transaction carried out under them shall confer contractual or other rights on, or be enforceable against us by, any party other than you.
We are not responsible for any losses not directly associated with any incident that may cause you to claim us, nor are we liable for the loss of profits, loss of business, loss of goodwill, or any form of special damages.
You agree that you are not sending or receiving a payment transfer for or connected with any criminal or illegal purpose.
You agree to help us in the discharge of our anti-money laundering, security validation, and verification responsibilities by providing such information as we may request.
You agree to provide us with accurate and complete personal information such as: full name and surname, date of birth, valid personal identity document, current residential address, phone number, email address, and keep it up to date. Corporate clients should update us with any business changes and keep valid personal information of shareholders, directors, and authorized persons.
It is your responsibility to let us know if there are inaccuracies or changes to your personal information. All changes can be done by login into your account online or mobile application. Also, you can notify us via email at info@opaltransfer.com or by calling our Call Centre at +44 (0) 207 976 5445.
We may use information that we have about you to discharge our anti-money laundering, security validation, and verification responsibilities, to provide our services, and to manage our relationship with you. We may make searches of credit reference agencies who will supply us with information on verification of personal details provided by you to prevent or detect fraud or to assist in verifying your identity. If we cannot find enough information, we will ask you to provide some additional documents instead. The credit reference agencies will record details of the search type “identification” whether or not this application of registration proceeds.
We may disclose that information to the sender, receivers, and intermediaries in the course of providing our services or as required by Regulation (EU) 2015/847 on information on: the sender 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 the transfer of information to countries that do not have data protection laws as strict as those in the UK.
9. LAW AND JURISDICTION
These Terms and Conditions and all matters arising from or connected with them are governed by English law. The courts of England have exclusive jurisdiction to settle any dispute arising from or connected with these Terms and Conditions, including a dispute regarding their existence, validity or termination, or relating to any non-contractual or other obligation arising out of or in connection with them, or the consequences of their nullity.
10. COMPLAINTS
Please tell us if you have any problems with our service and use the telephone numbers +44 (0) 207 976 5445, +44 (0) 207 828 4222, or write an email at manager@opaltransfer.com. We will seek to resolve your complaint as quickly as possible. If you are not happy with our response, or if we have not finished investigating your complaint and given our final response after 15 Business days, you may refer your complaint to The Financial Ombudsman Service, with the address Exchange Tower, London, E14 9SR, UK.