Terms and Conditions

1. CONTRACT FORMATION AND OVERVIEWThese Terms and Conditions govern the terms under which you may access and use this website and the services associated with it (together, the”Service”). By accessing, registering with and using the Service, you agree to be bound by the terms of the Terms and Conditions. If you do not wish to be bound by the Terms and Conditions do not access, register with or use the Service. The language of these Terms and Conditions is English and all Services, instructions and transactions carried out in connection with it shall be in English.In these Terms and Conditions, the terms “Alpha and Omega”, refer to Alpha & Omega Trading Company Ltd., together with its employees, directors, affiliates, successors, and assigns. Alpha & Omega Trading Company Ltd is a company registered in England and Wales, with its registered office at 4 Hillbrow Close. Bexley, Kent DA5 2HF and Trading Office at 9 Bromley Road, London. SE6 2TS. It is registered as a Money Service Business and supervised by HM Revenue & Customs (HMRC) under Money Laundering Regulations (MLR) No.12912153. It is Regulated by the Financial Conduct Authority (FCA) as a payment institution with reference number 540277. The terms”you” and “your refer to users of the Service, whether in their capacity as Senders, Recipients, or visitors to this website.These Terms and Conditions are effective from the date you first access, register and use our service. The Terms and Conditions may change from time to time, but changes will only be effective from the date they are made and will not change the terms on which you previously used the Service.The Service was created to assist customers to send money to their family and friends, and to receive money from family and friends, around the world. For security reasons, we recommend that you only send money through the Service to people you know personally. You must not use the Service to send money to strangers for example sellers of goods and/or services, private or retail.

2. DEFINITIONSIn this Terms and Conditions:“Destination Country” means the country in which the Recipient receives money through the Service.“Payment Instrument” means a valid instrument of payment such as a bank account, debit card or credit card.“Payout Amount” means the amount paid out to the Recipient, after any foreign exchange conversion.“Recipient” means someone who receives money through the Service.“Sender” means someone who uses the Service to send money.“Service Fee” means the fee plus any additional charges applicable to each Transaction, in accordance with the price list published on the Website and/or Application, or the prices or rates that we communicate to you before we issue a Confirmation, or as provided in these Terms and Conditions.“Service Provider” means a local bank, money exchange house, or other third party service providers with whom Alpha and Omega works in providing the Service.“Transaction” means a specific instruction to send money through the Service.“Transaction Amount” means the amount of money that the Sender wishes to send to the Recipient, excluding any applicable fees and prior to any foreign exchange conversion.

3. COMMISSION & FEEYou agree to pay our fees in connection with the use of our Services. We will not process your transaction until we have received the fees from you. We will let you know the exact amount payable by you when you set up your transaction order.Our Fee structure as set out on our website form part of this agreement which may be subject to change at any time. You agree and authorise us to deduct our fees.

4. CANCELLATION AND REFUNDS

You have the statutory right to cancel your agreement with us after you have submitted a Transaction. This right of cancellation continues until fourteen days after you have submitted the transaction, or until we have completed the contract by paying the Payout Amount to the Recipient, whichever is the earlier. If you exercise your right to cancel under this clause, we may make a cancellation charge.
If you wish to exercise your right to cancel under this clause, you must submit a written request to us at 9 Bromley Road. London, SE6 2TS or send an email to info@alphandomrga.com, giving the Sender’s full name, address, and phone number, together with the Transaction tracking number, Transaction Amount, and the reason for your refund request.
Any refunds will be credited back to the same Payment Instrument used to fund the Transaction and in the same currency. No adjustment will be made for any currency fluctuations which may have occurred in the meanwhile.
if by the time you notify us of the cancellation of the transfer we have already sent the money to one of our partners in the country of destination, we may not be able to successfully cancel the order, given that the cancellation procedures with our partners differ in length and complexity, as well as often require communication across time zones.
We will not refund funds for transactions that are not revocable and have been initiated.
Your order expires after 1 month. In case the money has not been collected (in the case of cash transfers) or the order requires a correction, we reserve the right to cancel your order without prior notice to you and to refund to you the amount that was to be transferred. The refund will not include the Fees paid for the Service, which we will retain.
Refunds can take up to 7 business days to be processed and this depends as well on the customer’s bank and card payment acquirers’ processes, which are beyond our control.

5. CONTRACT FORMATIONUpon placing a money transfer Transaction via the Website or the Application, an e-mail will be sent to you acknowledging that your transaction has been received. Please note that this does not mean that your transaction is accepted.A transaction order constitutes solely an offer to buy our services, which is subject to our discretionary acceptance. Such acceptance will be communicated to you via e-mail confirming that we are processing your request (hereinafter called “the Confirmation”). The contract between you and us (hereinafter called “the Contract”) will only be formed when the Confirmation has been sent. The Contract relates solely to the services that have been confirmed accepted in the Confirmation. We reserve the right to refuse to perform any of the Services (including after Confirmation) if:

We are unable to obtain satisfactory evidence of your identity;
You provide us with false, incorrect or incomplete information;
We are unable to reach you via contact details provided by you;
Your transfer order, information or documentation is not provided sufficiently in advance to allow us to process it in accordance to your request;
You attempt to tamper, hack, modify, overload, or otherwise corrupt or circumvent the security and/or functionality of the Website and/or the Application or to infect it with any Malicious Code;
You are in breach of these Terms and Conditions;
You or the order you placed are in breach of any applicable laws or regulations or are made for a Prohibited Purpose;
Processing the Service in accordance with your order may expose us to liability;
We are unable to process your transfer due to variations in business hours, currency exchange or currency availability issues;
We have reason to believe that any of the foregoing has occurred or is likely to occur; or
An Officer has taken a discretionary decision to do so.We shall not be liable for any damages, costs or losses incurred by the Sender or the Recipient or any third party if, as a result of any of the circumstances referred to above.Email Confirmation: After we process your transaction to the Recipient an e-mail will be sent to you with the following information: A transaction reference number, a confirmation of the exact amount we are sending to the Recipient on your behalf in both pay in and pay out currencies, a confirmation of the Fee that has been charged and an exchange rate applied to your transaction.OUR OBLIGATIONSSubject to these Terms and Conditions, we agree to provide the Service to you using reasonable care. The Service may not be available in whole or in part in certain regions, countries, or jurisdictions.We are not obliged to process any particular Transaction. When you submit a Transaction, you are requesting that we process the Transaction on your behalf. We may, in our sole discretion, choose whether or not to accept the offer to process that Transaction. However, if we decide not to process the Transaction, we will notify you promptly of that decision and repay the money paid to us.Alpha and Omega reserves the right to modify or discontinue the service or any part of the Service without notice, at any time and from time to time. We may, in our absolute discretion, refuse any Transaction or limit the amount to be transferred, either on a per transaction basis or on an aggregate basis, and either on individual accounts or on related accounts.We may, in our sole discretion, refuse Transactions from certain Senders or to certain Recipients, including but not limited to entities and individuals on restricted or prohibited lists issued from time to time by governments, regulatory bodies or other authoritative sources. In addition, not all Payment Instruments are available to all customers at all times and we may, in our sole discretion, refuse Transactions funded from certain Payment Instruments.We will attempt to process Transactions promptly, but any Transaction may be delayed or cancelled for a number of reasons including but not limited to: our efforts to verify your identity; to validate your Transaction instructions; to contact you; or otherwise to comply with applicable law; or due to variations in business hours and currency availability.We will attempt to provide Senders and Recipients with up to date information regarding the location and opening hours of our Service Providers by means of information on our website. However, you agree that Alpha and Omega shall not be held responsible for any inaccuracies that may appear in that information or any consequential loss which may result from incorrect or incomplete information. YOUR OBLIGATIONSyou will not access, use or attempt to use the Service as a Sender unless you are at least 18 years old, and that you have the legal capacity to form a binding legal contract in the relevant jurisdiction;For each Transaction that you submit, you will pay us the Service Fee in addition to the Transaction Amount. Payment becomes due at the time that you submit your Transaction. If you submit a Transaction that results in Alpha and Omega becoming liable for charges including but not limited to chargeback or other fees, you agree to reimburse us for all such fees;In connection with your registration and use of the Service, you will

provide us with true, accurate, current and complete evidence of your identity, and promptly update your personal information if and when it changes;
provide us with details of one or more Payment Instruments; and
provide us with true, accurate, current and complete information for all Transactions.We do not accept any liability for damages resulting from non-payment or delay in payment of a money transfer to a Recipient or failure to perform a transaction under the Service by reason of any of these matters.

when you pay for a Transaction in one currency and the Recipient is paid in another currency, there will be a difference between the exchange rate at which we buy foreign currency and the exchange rate provided to you. Alpha and Omega and its Service Providers usually make a small profit in these circumstances. If such account is denominated in another currency the amount to be received by the Recipient will be reduced by the amount of extra charges incurred by reason of the incorrect information given by you and we will have no obligation to make good such reduction;
when you are sending money under these Terms and Conditions, it is your responsibility to make sure all the Transaction details are accurate before submission. Once a Transaction has been submitted for processing it is not normally possible to change any of its details. You will be given the opportunity to confirm Transactions before submission and you must check the details carefully.
Alpha and Omega will have no responsibility for any fees or charges you may incur by the use of a particular Payment Instrument to fund a Transaction. These may include but are not limited to unauthorised overdraft fees imposed by banks if there are insufficient funds in your bank account or “cash advance” fees and additional interest which may be imposed by credit card providers if they treat use of the Service as a cash transaction rather than a purchase transaction;
You will only use the Service to send money to people that you know personally and not to pay for goods or services. If, in breach of this clause, you choose to pay third parties for goods and services using the Service, you acknowledge that Alpha and Omega has no control over, and is not responsible for, the quality, safety, legality, or delivery of such goods or services and that any such use of the Service is entirely at your own risk. If Alpha and Omega reasonably believes you are using the Service to purchase goods or services, we reserve the right to cancel your Transaction(s);
Both you and the Recipients will only act on your own behalf. You may not submit or receive a Transaction on behalf of a third person. If you intend to submit or receive a Transaction on behalf of a company, business or any entity other than a human individual, you must first inform Alpha and Omega of your desire to do so and provide us with any additional information about the entity we may request in order that we may decide whether to permit the Transaction;
in using the Service you will comply with these Terms and Conditions as well as any applicable laws, rules or regulations. It is a breach of these Terms and Conditions to use the Service to send money (i) to a Recipient who has violated the Terms and Conditions, or (ii) in connection with illegal activity including without limitation money-laundering, fraud and the funding of terrorist organisations. If you use the Service in connection with illegal activity, Alpha and Omega may report you to the appropriate legal authorities;
when using our website or the Service or when interacting with Alpha and Omega, with another user or with a third party, you will not:
1. Breach this Terms and Conditions, or any other agreement between you and Alpha and Omega;
2. Open more than one account, without our prior written permission;
3. Provide false, inaccurate, or misleading information;
4. Allow anyone else access to your registration details, and will keep those details secure;
5. refuse to provide confirmation of any information you provide to us, including proof of identity, or refuse to co-operate in any investigation;
6. use an anonymising proxy (a tool that attempts to make activity untraceable); or
7. copy or monitor our website using any robot, spider, or other automatic device or manual process, without our prior written permission.
Alpha and Omega may, as necessary in providing the Service, store all information required of a Recipient to prove his or her identity or associated with their specific Transaction. Such proofs may include a suitable form of valid, unexpired identification from a list of acceptable papers provided by the Service Provider, and/or a Transaction tracking number, a personal identification number (PIN), a “password”, a “secret word”, or other similar identifiers.

6. COLLECTION OF INFORMATIONCustomer Identification Program. English law requires all financial institutions to assist in the fight against money laundering activities and the funding of terrorism by obtaining, verifying, and recording identifying information about all customers. We may therefore require you to supply us with personal identifying information and we may also legally consult other sources to obtain information about you.Verification and Checks. We will verify your residential address and personal details in order to confirm your identity. We may also pass your personal information to a credit reference agency, which may keep a record of that information. You can be rest assured that this is done only to confirm your identity, that a credit check is not performed and that your credit rating will be unaffected. All information provided by you will be treated securely and strictly in accordance with the General Data Protection Regulation.By accepting these Terms and Conditions you authorise us to make any inquiries we consider necessary to validate the information that you provide to us. We may do this directly, for example by asking you for additional information, requiring you to take steps to confirm ownership of your Payment Instruments or email address; or by verifying your information against third party databases; or through other sources.Data Privacy Policy. You consent to our processing your personal information for the purposes of providing the Service, including for verification purposes as set out in this clause. You also consent to the use of such data for communicating with you, and for statutory, accounting and archival purposes. You acknowledge that you have read and consented to Alpha and Omega’s Privacy Policy. The Privacy Policy can be found on our web site: www.alphandomega.comGovernment Disclosures. We may be required by law to provide information about you and your Transactions to government or other competent authorities as described in our Privacy Policy. You acknowledge and consent to our doing this.

7. INTELLECTUAL PROPERTYAlpha and Omega website and the Alpha and Omega Service, the content, and all intellectual property relating to them and contained in them (including but not limited to copyrights, patents, database rights, trademarks and service marks) are owned by us, our affiliates, or third parties. All right, title and interest in and to the Alpha and Omega Online Site and the Alpha and Omega Online Service shall remain our property and/or the property of such other third parties.You may use the Website and the Application only for the purpose of the bona fide use of our Services as an individual consumer or business customer and only as permitted by these Terms and Conditions or described on the Website. You are authorized solely to view and to retain a copy of the pages of the Website for your own personal use. The Website and the Application and the Services may not be used for the purpose of testing the Service or to obtain information about the Service or about us. 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 Application or any portion thereof for any public or commercial use without our express written permission. You may not: (a) use any robot, spider, scraper or other automated device to access the Website or the Application or to use the Service; and/or (b) remove or alter any copyright, trade mark or other proprietary notice or legend displayed on the Website (or printed pages of the Website).

8. WARRANTIES AND LIABILITY We will refund to you any benefit which we receive as a result of any breach of our agreement with you (this means that, for example, where a money transfer has failed in such circumstances we will refund to you the Transaction Amount and the Service Fee).If a money transfer is delayed or fails, you may have a right to receive a refund or compensation under laws relating to the provision of international money transfer services. We will provide you with the details of your rights to a refund or compensation if you contact us using the contact details at the end of this agreement.Any claim for compensation made by you and/or a Recipient (who is not registered with us) must be supported by any available relevant documentation.If any loss which you or a Recipient (who is not registered with us) suffers is not covered by a right to payment under the laws referred to in clause 8.2, we will only accept liability for that loss up to a limit which is the greater of: (a) the amount of any service charge; and (b) £250, unless otherwise agreed by us in writing. Our cap on our liability only limits a claim for loss arising out of any single transaction or related transactions, or (if a loss does not arise out of a transaction or transactions) any single act, omission or event or related acts, omissions or events.We do not, in any event, accept responsibility for:

any failure to perform your instructions as a result of circumstances which could reasonably be considered to be outside our control;
malfunctions in communications facilities which cannot reasonably be considered to be under our control and that may affect the accuracy or timeliness of messages you send to us;
any losses or delays in transmission of messages arising out of the use of any internet service provider or caused by any browser or other software which is not under our control;
errors on the website or with the Service caused by incomplete or incorrect information provided to us by you or a third party.Nothing in this clause shall (a) exclude or limit liability on our part for death or personal injury resulting from our negligence; or (b) exclude ility for our fraud.Where you are sending a money transfer to a Recipient who is not registered with us, you agree to accept the provisions of this clause not only for yourself, but also on behalf of the Recipient.Your relationship is with Alpha and Omega only. You agree that no affiliate or agent of Alpha and Omega owes you any duty of care when performing a task which would otherwise have to be performed by Alpha and Omega under its agreement with you.You agree to indemnify and hold harmless Alpha and Omega, our subsidiaries, affiliates, officers, directors, employees, agents, independent contractors, advertisers, partners, and co-branders from all loss, damage, claims, actions or demands, including reasonable legal fees, arising out of your use or misuse of this website or Service, all activities that occur under your password or account e- mail login, your violation of this Terms and Conditions or any other violation of the rights of another person or party.

9. ELECTRONIC COMMUNICATIONS: You acknowledge that these Terms and Conditions shall be entered into electronically and that the following categories of information(“Communications”) may be provided by electronic means:

This Terms and Conditions and any amendments, modifications or supplements to it.
Your records of transactions through the Service.
Any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by law.
Any customer service communications, including without limitation communications with respect to claims of error or unauthorised use of the Service.
Any other communication related to the Service or Alpha and Omega.The Service does not allow for Communications to be provided in paper format or through other non-electronic means. You may withdraw your consent to receive Communications electronically, but if you do, your use of the Service shall be terminated. In order to withdraw your consent, you must contact us using our contact information at the end of this Terms and Conditions.In order to access and retain Communications, you must have or have access to the following:

An Internet browser that supports 128-bit encryption, such as Internet Explorer version 4.0 or above;
An e-mail account and e-mail software capable of interfacing with Alpha and Omega’s e-mail servers;
A personal computer, operating system and telecommunications connections to the Internet capable of supporting the foregoing;
Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit; and
A printer that is capable of printing from your browser and e-mail software. In addition, you must promptly update us with any change in your email address by updating your profile athttps://www.alphandomega.com

10. TERMINATION: Either party may terminate this Terms and Conditions on one day’s written notice.We may terminate this Terms and Conditions with immediate effect if you:

become, or are likely to become, insolvent or are declared bankrupt;
are in breach of any provision of this Terms and Conditions;
your use of the Service or the website is disruptive to our other customers, or you do anything which in our opinion is likely to bring us into disrepute;
breaches or attempts to breach the security of the website (including but not limited to: modifying or attempting to modify any information; unauthorised log-ins, unauthorised data access or deletion; interfering with the service, system, host or network; reverse engineering of any kind; spamming; hacking; falsifying data; introducing viruses, Trojan horses, worms or other destructive or damaging programs or engines; or testing security in any way);

11. COMPLAINTS We value your feedback as it helps us improve our service. We have established internal procedures for complaints. You can make a complaint in writing to us regarding any aspect of the Service by mail or e-mail to the following addresses:9 Bromley Road. London. SE6 2TSinfo@alphandomega.comWe will investigate your complaint and use reasonable endeavours to come back to you with the results of our investigation within 7 working days after receipt of your complaint.If you are still dissatisfied with the manner in which we have dealt with your complaint or the outcome of it, you have a right to refer your complaint to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR, Tel No 0800 0234 567, Email:complaint.info@financial-ombudsman.org.uk

12. GENERAL

Online & Apps Services

Our Website terms and conditions apply to your use of the Website and Apps for any purpose. We grant you a non-transferable, non-exclusive licence to use the App, subject to these Terms and Conditions, our Privacy Policy and the applicable app-store terms (incorporated into these Terms and Conditions by reference) as may be amended from time to time. We reserve all other rights. You acknowledge that the App has not been developed to meet your individual requirements, and that it is therefore your responsibility to ensure that the facilities and functions of the App meet your requirements. The App is provided to you free of charge and as a result no representations, conditions, warranties or other terms of any kind are given in respect of the App, and all statutory warranties and conditions are excluded to the fullest extent possible under applicable law. We do not accept responsibilities of any failure to perform the Services, or any losses or delays in the transmission of messages, due to circumstances outside our control or due to our obligations under any applicable laws, rules or regulations. We do not accept responsibilities of any malfunctions in communications facilities which cannot reasonably be considered to be under our control and that may affect the accuracy or timeliness of messages we send to one another.
We do not accept responsibilities of any errors in the App or with the Service caused by incomplete or incorrect information provided to us by you or a third party or any loss or damage suffered by you as a result of you using our App on a ‘jailbroken’, ‘rooted’ or otherwise modified device

Governing law: The Payment Services Regulations 2009 (SI 2009/209) (hereinafter called “the Regulations”) govern the transfer of money to recipients within the European Economic Area (being all members states of the European Union, together with Norway, Iceland and Liechtenstein), where the transfer of funds is carried out in Euros, Sterling or the currency of another EEA state which has not adopted the Euro as its currency. The Regulations regulate payment services, which have an electronic component and place payment services providers into certain categories as well as require certain payment institutions to be authorised by the FCA and to follow conduct of business rules.

No Waiver: The failure of Alpha and Omega to exercise or enforce any right or provision of the Terms and Conditions shall not constitute a waiver of such right or provision.

Modification: We may modify this Terms and Conditions from time to time without notice to you, except as may be required by law. You can review the most current version of the Terms and Conditions at any time by reviewing this website. You may terminate your use of the Service if you do not agree with any modification or amendment. If you use the Service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification. You agree that you shall not modify this Terms and Conditions and acknowledge that any attempts by you to modify this Terms and Conditions shall be void.

Entire Agreement: This agreement constitutes the entire agreement between the parties and supersedes all prior understandings or agreements relating to the subject matter of this agreement.

Severability: If any provision of the Terms and Conditions is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavour to give appropriately valid effect to the intention of the Terms and Conditions as reflected in the provision, and the other provisions of the Terms and Conditions shall remain in full force and effect.

Any external links to third-party websites on the website are provided as a convenience to you. These sites are not controlled by us in any way and we are not responsible for the accuracy, completeness, legality or any other aspect of these other sites including any content provided on them. You access such websites at your own risk.

13. SECURITY

We take security very seriously at Alpha and Omega, and we work hard, using state-of-the-art security measures, to make sure that your information remains secure. Alpha and Omega Service is a safe and convenient way to send money to friends and family and to other people that you trust. However, we do advise you to consider very carefully before sending money to anyone that you do not know well. In particular, you should be very cautious of deals or offers that seem too good to be true – they may be scams. If you are aware of anyone or any entity that is using the Service inappropriately, please email us using info@alphandomega.com. Similarly, if you receive any emails, purporting to be from Alpha and Omega, which you suspect may be “phishing” (fake) emails, please forward them to us using at info@alphandomega.com.

14. CONTACT INFORMATION

Questions, notices, and requests for refunds or further information should be sent to Alpha and Omega, as follows:

Email: Info@alphandomega.com

Telephone: 0207 998 6009

Mail: Customer Service, Alpha & Omega Money Transfer. 9 Bromley Road. London. SE6 2TS

Contact Info

Quick Links

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Partnership & Affiliate

Alpha and Omega Money Transfer is the trading name of ALPHA & OMEGA TRADING COMPANY LTD, Registered in England and Wales, with Company Registration No. 07002619. We are registered as a Money Service Business and supervised by HM Revenue & Customs (HMRC) under Money Laundering Regulations (MLR) No.12912153. We are Regulated by the Financial Conduct Authority (FCA) as a Small Payment institution with reference number 540277