These Terms and Conditions govern the money transfer services provided to you by MasterWire Total Help at 103a Oxford Street, London, W1D 2HG company registration number 05826229 (referred to as "we/our/us").

Our head office address is 103a Oxford Street, London, Unit B W1D 2HG . Telephone number 0207 287 6535, email delmomoura@gmail.com [The contact details of our branch or agent from which the service is provided to you are [•].]

We are [authorised by]/[registered with] the Financial Services Authority under the Payment Services Regulations 2009 (registration number: ) for the provision of payment services.
 
2. SENDING A PAYMENT
 
You must provide us with information which clearly identifies: • the individual to whom you are sending the money (the "payee"); and/or • details of the payee's payment account (if they have one).
 
3. CURRENCY EXCHANGE
 
We will transfer your payment so that the money reaches the firm where your payee will collect it no later than the end of the third business day after we received your instruction. Where you want money transferred on a specific day, you agree that the time we receive your instruction is that specific day.

If we did not receive your payment instruction before [17.00] on a business day for us (or if we received it on a day which is not a business day for us), we will treat it as if we received it on the next business day.

You cannot amend or cancel your instruction to us unless you give us written notice no later than the business day before the day on which we will transfer your money. "business day" means a day on which we are open for business (other than a Saturday or Sunday or a public holiday).
 
4. FEES AND CHARGES
 
4.1 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 (if any) [which we write on your payment instruction form]/[set out on the tariff board at these premises] .

4.2 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 (if any) set out in the written information we give you when you receive the money.

5. EXCHANGE RATE
 
Our exchange rates are displayed at these premises. We will write on your payment instruction form or receipt the exchange rate applied to your money transfer when you are sending or receiving money. We usually convert your money from sterling (£) at the time of transfer so your payee receives the relevant amount in the currency of the country where the payee is located.

6. GENERAL
 
We are not obliged to perform our obligations if abnormal and unforeseeable circumstances beyond our control prevent us from doing so.
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 liable for any losses not directly associated with any incident that may cause you to make a claim against us, nor are we liable for loss of profits, loss of business, loss of goodwill or any form of special damages.

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.

We may use information 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 disclose this information to payers, payees and intermediaries in the course of providing our services or as required by Regulation EC 1781/2006 on information on the payer 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; or [specify any other categories of person to whom personal data or client information may be disclosed]. This may involve transfer of information to countries which do not have data protection laws as strict as those in the UK. If you wish to access or correct the information that we hold about you, please contact [our Data Protection Officer at] [straightforward contact details].

7. 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.

8. COMPLAINTS
 
Please tell us if you have any problems with our service: 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 after 8 weeks, you may be able to refer your complaint to The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.