Terms & Conditions

1. THE FOLLOWING DEFINITIONS APPLY TO THIS AGREEMENT

1.1 These terms and conditions govern the terms under which you may access and use the website and the services associated with it (the "Service"). By accessing, registering with and using the Service, you agree to be bound by these Terms and Conditions.

1.2 In these Terms and Conditions, "UnityLink", "we", "us", and "our" refer to Unity Monetary Services BV, registered with the Dutch Chamber of Commerce under number 34239397, with its registered office at Bijlmerdreef 1129A, 1103 TT Amsterdam, The Netherlands. UnityLink is authorised by De Nederlandsche Bank (DNB) under the Payment Service Directive 2 with registration number F0024.

1.3 The terms "you" and "your" refer to users of the Service, as Senders, Recipients, other users or visitors to the website.

1.4 These Terms and Conditions are effective from the date on which you first access, register or use the Service. Changes will only be effective 2 months from the date they are first notified to you.

2. DEFINITIONS

• "App" means UnityLink's mobile application for the sending of Payment Requests and/or Transaction Requests.
• "Business Day" means any day on which we are open for business.
• "Destination Country" means the country in which the Payee receives money through the Service.
• "Payee" means someone who receives money through the Service.
• "Sender" means someone who uses the Service to send money.
• "Service Fee" means UnityLink's fee plus any applicable charges, as described on the UnityLink website from time to time.
• "Transaction" means the transfer of money through the Service.
• "Transaction Amount" means the amount of money that the Sender wishes to send, excluding any applicable Service Fee and prior to any foreign exchange conversion.

3. OUR OBLIGATIONS

3.1 Subject to these Terms and Conditions, we agree to provide the Service to you using reasonable care. You acknowledge that the Service may not be available in certain regions, countries, or jurisdictions.

3.2 We are not obliged to process any particular Transaction. We may still suspend or cancel it in our discretion. If we decide not to process the Transaction, we will notify you promptly and repay the Transaction Amount to you.

3.3 For the purpose of the Payment Services Directive 2, unique identifiers include: Bank Name, Account Number, IBAN, BIC/SWIFT (bank transfers); Payee Full Name (cash pick up); Mobile Money Account Number (mobile money).

4. YOUR OBLIGATIONS

4.1 You agree that you will not use the Service unless you are at least 18 years old. You will provide true, accurate and complete identity documentation as requested. You will pay the Service Fee for each Transaction Request at the time of submission.

5. OUR RIGHT TO REFUSE, SUSPEND OR CANCEL

5.1 We may refuse any Transaction Request at any time. This includes situations where we believe the Service is being used for illegal, fraudulent or prohibited activities, or where required by anti-money laundering or counter-terrorism financing laws.

6. YOUR RIGHT TO CANCEL; REFUNDS

6.1 Once we have received your instruction, you do not have the automatic right to revoke it. UnityLink may, in its absolute discretion or if required by law, attempt to cancel or recall your instruction. For successful revocations, UnityLink will normally refund your money, less any fees, within fourteen (14) Business Days.

8. COLLECTION OF INFORMATION

8.1 Dutch law requires all financial institutions to obtain, verify, and record identifying information about all customers. All information provided by you will be treated securely and strictly in accordance with the EU General Data Protection Regulation.

15. GENERAL

15.1 Governing law: This Agreement will be governed by Dutch law and the parties submit to the exclusive jurisdiction of the Dutch Courts.

15.2 Unity Monetary Services BV is an Authorised Payments Institution. We must comply with the safeguarding requirements outlined under the Payment Services Directive 2 and the regulator's guidelines on Safeguarding Client Funds.