1.1      These terms and conditions ("Terms and Conditions") govern the terms under which you can use:

(a)       our Money Transfer services;

(b)       our Digital Money Account (including redeeming electronic money and paying the proceeds of redemption to yourself or another person); and/or

(c)        Airtime Top Up.

1.2        These Terms and Conditions, together with our web page setting out the charges applicable for our services, form your agreement with us for a Digital Money Account and/or use of Airtime Top Up (the "Agreement").

1.3        By accessing, registering with and using any of these services, you agree to be bound by the terms of the Agreement.

1.4        The language of the Agreement is English, and all services, instructions and transactions carried out in connection with it will be in English.

1.5        You can obtain a copy of the Agreement at any time by asking us to send you a copy via email.

1.6        In the Agreement, the terms "Flash Transfer for all words", "we", "us", and "our" refer to Flash Transfer for all words Ltd, together with its employees, directors, successors, and assigns. Flash Transfer for all words Ltd is a company registered number 07110878 in England and Wales, with its registered office at 2nd Floor, 62 Buckingham Gate, London, SW1E 6AJ. Flash Transfer for all words Ltd is authorised and regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 and Electronic Money Regulations 2011. Registration number: 900891. Its regulated activities include providing payment services and issuing electronic money.

1.7        The terms "you" and "your" refer to you, the person who has registered to use some or all of the services described in the Agreement.

1.8        This Agreement will be treated as coming into effect on the date you register with us and will continue for an indefinite period, until terminated by you or us.