1. About This Agreement
    1. This agreement sets out the terms and conditions on which we provide to you:
      1. the features, functions, technologies and information (the “Features”) offered on our website, www.currencylab.io (the “Website”), and our mobile phone application (the “App”); and
    2. Together, the Features shall be known as the “Services”.
    3. You agree that these terms and conditions, and all communications relating to them between us and you, shall be made in the English language. Where a translation of these terms and conditions or any such communication is made into another language, the English version shall prevail over any translation.
    4. Please read these terms and conditions carefully before you start to use the Website or the App. These terms and conditions (always together with the documents referred to in these terms and conditions) tell you who we are, how we will provide the Features and Service to you, how this agreement may be changed or ended, what to do if there is a problem, and other important information.
    5. Your use of the Website or the App confirms your acceptance of these terms and conditions, and is subject to your continued compliance with it. If you do not agree, please do not use the Website or the App.
    6. If you don’t understand any of these terms and conditions and want to talk to us about them, please contact us at [email protected].
  2. About Currencylab
    1. The Website, the App and the Features are provided by Bureau Buttercrane Ltd, trading as Currencylab (“we”, “us” or “Currencylab”), a company established in Northern Ireland with its registered office at Unit 20, Buttercrane Shopping Centre, Newry, County Down, BT35 8HJ, United Kingdom (company number NI603454).
  3. Licence to Use the Website and the App
    1. You may view, download for caching purposes only, and print pages from the Website and the App, provided that:
      1. You must not republish material from the Website or the App (including republication on another website), or reproduce or store material from the Website or the App in any public or private electronic retrieval system.
      2. You must not reproduce duplicate, copy, sell, resell, visit, or otherwise exploit the Website or the App, or material on the Website or the App, for a commercial purpose, without our express written consent.
  4. Use of the Website and the App
    1. You don’t need to register for a personal profile on the Website or the App (a “Profile”) in order to visit or use most areas of the Website or the App. 
    2. You are responsible for configuring your information technology, computer programmes and platform in order to access the Features. You should use your own virus protection software. We cannot guarantee that the Features will be free from bugs or viruses.
    3. You agree to provide true, current, accurate and complete customer information as requested by us from time to time and you agree to promptly notify us of any changes to this information as required to keep such information held by us current, complete and accurate.
  5. Changes to This Agreement
    1. We reserve the right to revise these terms and conditions at any time by amending this page. Currencylab will notify you of any changes to our terms and conditions in writing by email and/or by placing a notice on the Website or the App, together with the date on which the changes will take effect (the “Amendment Date”).
    2. Currencylab will give you two months’ notice of any material changes to these terms and conditions. Your continued use of the Service after the Amendment Date will show that you have accepted the amended terms and conditions. You have the right to terminate the contract without charge at any time before the Amendment Date.
    3. Changes made to our terms and conditions will normally only apply to your use of the Service after the Amendment Date but may also apply to any other use of the Service initiated before the Amendment Date where this is required by law.
    4. The Amendment Date for the current version of the terms and conditions is [ ].
  6. How We May Contact You
    1. We usually contact you via email. For this purpose, you must at all times maintain at least one valid email address. You should check for incoming messages regularly and frequently, these emails may contain links to further communication on the Website or the App. 
    2. Other ways we may contact you. In addition to communicating via email, we may contact you via letter or telephone where appropriate. If you use any mobile services, we may also communicate with you via SMS. Any communications or notices sent by:
      1. Email will be deemed received by you on the same day if it is received in your email inbox before 5pm on a Business Day. If it is received in your email inbox after 5pm on a Business Day or at any other time, it will be deemed received on the next Business Day.
      2. Post will be deemed received three days from the date of posting.
      3. SMS will be deemed received the same day.
    3. Where legislation requires us to provide information to you on a durable medium, we will send you an email containing this information, or with the information attached to it. Do keep copies of all communications we send or make available to you.
    4. If you need a copy of the current Agreement or any other relevant document, please contact Customer Support at [email protected].
  7. Limitations of Liability
    1. We will provide the Services using reasonable care and diligence.
    2. We will use reasonable endeavours to make the Services available except for:
      1. planned maintenance, for which 24 hours’ notice will be given by placing a notice on the Website or the App or by providing you an alert through the Transfer Service;
      2. unscheduled maintenance during normal Northern Ireland business hours or otherwise, for which we will use reasonable endeavours to give you advance notice by placing a notice on the Website or the App or by providing you an alert through the Transfer Service.
    3. Due to the nature of the Internet and technology as well as cooperation with third party providers, the Services are provided on an “as available” and “as is” basis. This means that we are unable to promise that your use of the Services will be uninterrupted, without delays, error-free or meet your expectations and we do not give any commitment relating to the performance or availability of the Services in these terms and conditions and, to the extent we are able to do so, we exclude any commitments that may be implied by law.
    4. We are not liable for technological attacks. We will not be liable for any loss or damage caused by a virus, or other technological attacks or harmful material that may infect your computer equipment, computer programmes, data or other proprietary material related to your use of the Services.
    5. We have no control over websites linked to and from the Website or the App. We assume no responsibility for their content or any loss or damage that may arise from your use of them.
    6. We are not liable for things which are outside of our control. We (and our affiliates) cannot be liable for our inability to deliver or delay as a result of things which are outside our control.
    7. You are liable for breaking this agreement or applicable laws. In the unlikely event of loss or claims or costs and expenses arising out of your breach of this agreement, any applicable law or regulation and/or your use of the Services, you agree to compensate us and our affiliates and hold us harmless. This provision will continue after our relationship ends.
  8. Force Majeure
    1. In an “Event of Force Majeure” (i.e. any circumstance not within the reasonable control of Currencylab) Currencylab will not be held liable, but only if and to the extent that:
      1. Such circumstance, despite the exercise of reasonable diligence, cannot be, or be caused to be, prevented, avoided or removed by Currencylab.
      2. Such circumstance materially and adversely affects the ability of Currencylab to perform its obligations, while Currencylab has taken all reasonable precautions, due care and reasonable alternative measures in order to avoid the effect of such events.
  9. Intellectual Property and Copyright
    1. The Website, the App and the Services, and all intellectual property relating to them and contained in them (including but not limited to copyrights, patents, database rights, trademarks and service marks and any other intellectual property rights which subsist in the design, layout, processes, functions, data and content of the Website and the App) belong to us and we give you permission to use these materials for the sole purpose of using the Services in accordance with these terms and conditions.
    2. All right, title and interest in and to the Website, the App and the Services shall remain our property.
    3. The Website, the App and the Services may be used only for the purposes permitted by these terms and conditions or described on the Website or the App. You are authorised solely to view and to retain a copy of the pages of the Website and the App for your own personal use. You may not duplicate, publish, modify, create derivative works from, participate in the transfer or sale of, post on the internet, or in any way distribute or exploit the Website, the App, the Services or any portion thereof for any public or commercial use without our express written permission.
    4. As part of the Services, we allow you to download the App (including any updates) from the Website or via an app store for use on your mobile devices for the sole purpose of accessing and using the Services in accordance with these terms and conditions, therefore we grant you a non-exclusive, personal, non-transferable licence for this sole purpose.
    5. Your right to use the Services is personal to you and is non-transferable.
    6. Currencylab certifies that it retains full and complete ownership of the granted Rights, the right to dispose of them and to freely grant licences thereof to whomsoever it chooses.
    7. Other than as permitted in these terms and conditions, you are not given a right to use the “Currencylab” name or any of the “Currencylab” trademarks, logos, domain names or any other distinctive brand features.
    8. No part of the Website, the App, their content or any of their underlying software and databases may be copied or reproduced, shared with third parties, reverse engineered, reverse assembled, or used to create any derivative work (whether in physical or electronic form) without the prior written consent of Currencylab.
    9. You may not:
      1. use any robot, spider, scraper or other automated device to access the Website, the App, or the Services; or
      2. remove or alter any copyright, trademark or other proprietary notice or legend displayed on the Website or the App (or printed pages of the Website or the App).
  10. Acceptable Use
    1. You agree that if you use the Website, the App or/and the Services you will be taken to have agreed to these terms. If you do not agree to these terms, you should not use the Website, the App or the Services.
    2. When using the Services you must not: 
      1. circumvent, disable or otherwise interfere with any security related features of the Transfer Service;
      2. create more than one Profile;
      3. give any false or misleading information in your Profile details;
      4. permit another person to use the Services under your name or on your behalf unless you are a business and such person is authorised by you;
      5. use the Services if we have suspended or banned you from using them;
      6. engage in any fraudulent, illegal or unlawful conduct;
      7. modify, interfere, intercept, disrupt or hack the Website, the App, or the Services;
      8. or misuse the Services by knowingly introducing viruses, Trojans, worms, logic bombs or other material which would harm the Services or equipment belonging to users of the Services, (together, this list forms our “Rules of Acceptable Use”).
    3. Failure to comply with the Rules of Acceptable Use constitutes a serious breach of these terms and conditions and may result in our taking all or any of the following actions (with or without notice):
      1. immediate, temporary or permanent withdrawal of your right to use the Services or closure of your Profile;
      2. issuing of a warning to you;
      3. legal action against you including proceedings for reimbursements of all costs (including, but not limited to, reasonable administrative and legal costs) resulting from the breach; or
      4. disclosure of such information to law enforcement authorities as we reasonably feel is necessary.
    4. The actions we may take are not limited to those described above, and we may take any other action we reasonably deem appropriate.
  11. No Financial Advice
    1. None of the information displayed on the Website or the App, nor the Services, constitute investment or financial advice, and nothing relating to the provision of the information herein shall be construed as creating a fiduciary, financial or other advisory relationship between Currencylab and you or any other third party.
    2. We do not accept any liability for any loss or damage which is incurred from you acting or not acting as a result of reading any of our publications. You acknowledge that you use the information we provide at your own risk.
    3. Our publications do not offer investment advice and nothing in them should be construed as investment advice. Our publications are solely for the purpose of providing information and education.
    4. The information contained in our publications is not, and should not be read as, an offer or recommendation to buy or sell or a solicitation of an offer or recommendation to buy or sell any securities. Our publications are not, and should not be seen as, a recommendation to use any particular investment strategy.
    5. Any comments or statements made by us are not a recommendation for you, for any particular course of action and should not be regarded as investment advice.
  12. Other Important Terms
    1. Nobody else has any rights under this agreement. This agreement is between you and us. No other person shall have any rights to enforce any of its terms. Neither of us will need to get the agreement of any other person in order to end or make any changes to this agreement.
    2. We may transfer this agreement to someone else. You may not transfer, assign, mortgage, charge, subcontract, declare a trust over or deal in any other manner with any or all of your rights and obligations under this agreement without our prior written consent. We reserve the right to transfer, assign or novate this agreement or any right or obligation under this agreement at any time without your consent. 
    3. If a court finds part of this agreement illegal, the rest will continue in force. Each of the paragraphs of this agreement operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
    4. Even if we delay in enforcing this agreement, we can still enforce it later. If we delay in asking you to do certain things or in taking action, it will not prevent us taking steps against you at a later date.
    5. This agreement supersedes any other previous agreements. This agreement supersedes and extinguishes all previous agreements between you and Currencylab, whether written or oral, relating to its subject matter.
  13. Data Protection and Privacy​
    1. We are required to obtain, verify, and record identifying information about all our customers, in accordance with our obligations under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017, as updated by the Money Laundering and Terrorist Financing (Amendment) Regulations 2019, and any other applicable laws of the United Kingdom or of the country where funds are intended to be received.
    2. We may therefore require you to supply us with personal identifying information and we may also legally consult other sources to obtain such information about you.
    3. The following information may be required to use the Services:
      1. photographic proof of your identity, such as a copy of your passport or other form of identification;
      2. proof of your address; and
      3. proof of the source of the funds to be transferred.
    4. We reserve the right to request you to provide us with the above-mentioned documents, as well as other supporting information, at any time.
    5. We are required to verify your personal details in order to confirm your identity and we may pass your personal information to a recognised credit reference agency and/or fraud prevention agency, which may keep a record of that information.
    6. We will only pass your information to such an agency to confirm your identity; a credit check will not be performed and your credit rating will not be affected. All information provided by you will be treated securely, and strictly in accordance with the Data Protection Act 2018.
    7. You consent to the collection, use, disclosure and transfer (including cross-border transfer) of your personal information, as described in our Privacy Policy, which is available on the Website at www.currencylab.io/[ ] or on request by email to [email protected].
    8. These terms and conditions further incorporate our Cookie Policy, which is available on the Website at www.currencylab.io/[ ] or on request by email to [email protected].
    9. We may be required by law to provide information about you and your use of the Service to governmental or other competent authorities, as described in our Privacy Policy. You acknowledge and consent to us doing this.
  14. Customer Service and Complaints​
    1. Currencylab aims to provide the highest level of customer service possible, and will always seek to resolve any problems quickly and efficiently. A copy of our Complaints Policy is available on request by email to [email protected].
    2. In the event that you are dissatisfied with the Features, you should inform us as soon as possible in writing by email at [email protected].
    3. In accordance with our Complaints Policy, we will aim to:
      1. Acknowledge receipt of your complaint within 2 business days.
      2. Investigate your complaint and come back to you with the initial findings of our investigation no later than 2 weeks of receipt of your complaint.
  15. Governing Law and Jurisdiction
    1. These terms and conditions are governed by Northern Irish law and, regardless of where you live in the UK, you can bring legal proceedings in respect of the Services in the Northern Irish courts.
    2. If you live in England or Wales you can alternatively bring legal proceedings in respect of the Services in the English or Welsh courts. If you live in Scotland you can alternatively bring legal proceedings in respect of the Services in the Scottish courts.