Terms and Conditions for use of the TransferLab website and mobile phone application

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.transferlab.io (the “Website”), and our mobile phone application (the “App”); and
  2. aspects of the online money transfer service (the "Transfer Service"), which allows a user to initiate a transfer of money as a single payment transaction (a “Transfer”), and which is described in further detail in the Terms and Conditions for Use of the TransferLab Online Money Transfer Service (the "Transfer Service Terms").
2. The Transfer Service Terms contain further terms governing our provision of the Transfer Service, and if you wish to use the Transfer Service, you will need to agree to the Transfer Service Terms in addition to these terms.
3. Together, the Features and the Transfer Service shall be known as the "Services".
4. 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.
5. 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 aspects of the Transfer Service to you, how this agreement may be changed or ended, what to do if there is a problem, and other important information.
6. 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.
7. If you don't understand any of these terms and conditions and want to talk to us about them, please contact us at support@transferlab.io.
About TransferLab
1. The Website, the App and the Features are provided by Bureau Buttercrane Ltd, trading as TransferLab (“we”, “us” or “TransferLab”), 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).
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.
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. However, you will need to register for a Profile to use the Transfer Service.
2. You are solely responsible for your Profile and the maintenance, confidentiality and security of your Profile and all passwords related to your Profile, and any and all activities that occur under your Profile, including all activities of any persons who gain access to your Profile with or without your permission.
3. You agree to immediately notify TransferLab, to the extent that you are or become aware, of any unauthorised use of your Profile or any password related to your Profile, any unauthorised use of the Transfer Service provided through your Profile, or of any other breach of security with respect to your Profile or the Transfer Service provided through your Profile, and you agree to provide assistance to us, as requested, to stop or remedy any breach of security related to your Profile.
4. 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.
5. 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.
6. We may terminate or suspend the access to a Profile at any time, including without limitation, if:
  1. the Sender attempts to transfer or charge funds from a credit or debit card that does not belong to the Sender;
  2. the Sender’s card issuer attempts to charge back a Transfer on the basis of a dispute related to a Transfer;
  3. the Sender provides incorrect or false information about itself, its debit or credit card details or about a Recipient;
  4. the Sender has breached these terms and conditions;
  5. we determine that the Profile has been inactive for a substantial time period; or
  6. we believe that a Transfer has been made for an unlawful purpose.
Maintaining Your Profile
1. Any instance or instances when you have used the Transfer Service will be recorded in the transfer history section of your Profile. You may access this information after you log in to your Profile. We have allocated a reference number to each Transfer, and you should quote this reference number when communicating with us about a particular Transfer.
2. You must check your Profile regularly and carefully and contact us immediately if you don't recognise a Transfer or think we have made a payment incorrectly. You must tell us about any unauthorised or incorrectly executed Transfer immediately, but no later than 13 months from the Transfer; otherwise you may not be entitled to have any errors corrected.
3. You are responsible for any taxes which may be applicable to payments you make or receive, and it is your responsibility to collect, report and pay the correct tax to the appropriate tax authority.
Closing Your Profile
1. You may end this agreement and close your Profile at any time by contacting Customer Support by email at support@transferlab.io.
2. You must not close your Profile to avoid an investigation. If you attempt to close your Profile during an investigation, we may hold it open until the investigation is fully completed in order to protect our or a third party's interest.
3. You agree that you will continue to be responsible for all obligations related to your Profile even after it is closed.
Changes to This Agreement
1. We reserve the right to revise these terms and conditions at any time by amending this page. TransferLab 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. TransferLab will give you two months' notice of any material changes to these terms and conditions. Your continued use of the Transfer 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 Transfer Service after the Amendment Date but may also apply to any Transfers or other use of the Transfer 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 [ ].
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 in your Profile. You should check for incoming messages regularly and frequently. These emails may contain links to further communication on the Website or the App. If you don't maintain or check your email and other methods of communications, you will miss emails about your Profile and the Features. We cannot be liable for any consequence or loss if you don't do this. If we have reasonable concerns either about the security of your Profile, or any suspected or actual fraudulent use of your Profile, we will contact you via telephone, email, or both (unless contacting you would be unlawful or compromise our reasonable security measures).
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 support@transferlab.io.
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 will also not be responsible, to the extent permitted under any applicable law, for any delay in performing any Transfers or any of our other obligations if this is caused by circumstances beyond our control, such as changes in the law, withdrawal of a foreign currency, withdrawal of our banking facilities, strikes or labour disputes, imposition of sanctions over a beneficiary, natural disasters or pandemic.
5. We will notify you as soon as we can if we are unable to perform a Transfer for any of these reasons and will use reasonable measures to secure the return of any money paid by you.
6. We are not liable for business losses. If you use the Services for any commercial or business purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
7. 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.
8. 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.
9. To the extent permitted under any applicable law, in no event shall TransferLab, our subsidiaries, officers, agents, partners, or employees be responsible to you in any way beyond the sum of £500.00 (in addition, when applicable, to refunding the Transaction Amount).
10. However, in the event that we make a Transfer that is not in accordance with your instructions (for example, we send the Transfer to the wrong Recipient), we will refund you that payment in full. In case of an unauthorised payment or mistake due to our error, we shall at your request immediately refund the Transaction Amount, including all fees deducted by us. This shall not apply:
  1. if you have acted fraudulently, in which case we will not refund you in any circumstances;
  2. if you do not notify us of security issues on your Profile (e.g. loss of your password) immediately (in such a case, you will remain liable for losses incurred up to your notification to us);
  3. if the Transfer was unauthorised but you have with intent or gross negligence compromised the security of your Profile or failed to comply with your obligations to use your Profile in the manner set out in this agreement (in such a case, you shall be solely liable for all losses); or
  4. if you don't let us know about the unauthorised or incorrectly completed Transfer within 13 months from the date of the Transfer.
11. You are responsible for checking your Profile regularly. We rely on you to regularly check the transfer history section of your Profile and to contact Customer Support immediately in case you have any questions or concerns.
12. For security reasons, we recommend that you only send money using your Profile to people you know personally.
13. If you choose to pay third parties for goods and services using your Profile, you acknowledge that TransferLab 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 your Profile and the Services is entirely at your own risk.
14. 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.
15. 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.
Force Majeure
1. In an "Event of Force Majeure" (i.e. any circumstance not within the reasonable control of TransferLab) TransferLab 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 TransferLab.
  2. Such circumstance materially and adversely affects the ability of TransferLab to perform its obligations, while TransferLab has taken all reasonable precautions, due care and reasonable alternative measures in order to avoid the effect of such events.
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. TransferLab 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 "TransferLab" name or any of the "TransferLab" 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 TransferLab.
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).
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.
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 TransferLab 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.
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 (including your Profile) without our prior written consent. We reserve the right to transfer, assign or novate this agreement (including your Profile) or any right or obligation under this agreement at any time without your consent. This does not affect your rights to close your Profile.
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 TransferLab, whether written or oral, relating to its subject matter.
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 Transfer Service:
  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. The Sender consents to the collection, use, disclosure and transfer (including cross-border transfer) of its personal information, as described in our Privacy Policy, which is available on the Website at www.transferlab.io/[ ] or on request by email to support@transferlab.io.
8. These terms and conditions further incorporate our Cookie Policy, which is available on the Website at www.transferlab.io/[ ] or on request by email to support@transferlab.io.
9. We may be required by law to provide information about you and your use of the Transfer Service to governmental or other competent authorities, as described in our Privacy Policy. You acknowledge and consent to us doing this.
Customer Service and Complaints
1. TransferLab 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 support@transferlab.io.
2. In the event that a Sender is dissatisfied with the Features, the Sender should inform us as soon as possible in writing by email at support@transferlab.io.
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.
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.

Terms and Conditions for use of the TransferLab online money transfer service

About This Agreement
1. This agreement sets out the terms and conditions on which we provide to you the TransferLab online money transfer service (the “Transfer Service”).
2. 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.
3. Please read these terms and conditions carefully before you start to use the Transfer Service. 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 Transfer Service to you, how this agreement may be changed or ended, what to do if there is a problem, and other important information.
4. Your use of the Transfer Service confirms your acceptance of both these terms and conditions, and the Terms and Conditions for Use of the TransferLab Website and Mobile Phone Application (the "Website and App Terms"), which are available at www.transferlab.io/[ ]. Your use of the Transfer Service is subject to your continued compliance with these terms and conditions and the Website and App Terms. If you do not agree with one set or both sets of terms, please do not use the Transfer Service.
5. If you don't understand any of these terms and conditions and want to talk to us about them, please contact us at support@transferlab.io.
About TransferLab
1. The Transfer Service is provided by Bureau Buttercrane Ltd, trading as TransferLab (“we”, “us” or “TransferLab”), 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).
2. TransferLab is a payment institution authorised and regulated by the Financial Conduct Authority for the provision of payment services (reference number 747167). The Financial Conduct Authority can be contacted by post at The Financial Conduct Authority, 12 Endeavour Square, London, E20 1JN, by phone on 0800 111 6768, or by email at consumer.queries@fca.org.uk. TransferLab is also registered with Her Majesty's Revenue and Customs as a money service business (registration number XQML00000111555).
3. These terms and conditions apply only to money transfers initiated online through our website, www.transferlab.io (the “Website”), or our mobile phone application (the “App”), by a natural person or business in the United Kingdom (a “Sender”).
The TransferLab Service
1. The Transfer Service allows a Sender to initiate a transfer of money as a single payment transaction (a “Transfer”) via the Website or the App to a natural person or business outside the United Kingdom and designated by the Sender (the “Recipient”). The Recipient will receive the Transfer into a bank account designated by the Sender.
2. The Recipient may only be located in one of the countries in which we operate (the "Supported Countries"), and the Transfer may only be made into one of the currencies designated by us (the "Supported Currencies"). A list of the Supported Countries and Supported Currencies may be found at www.transferlab.io/[ ]. TransferLab reserves the right to cease providing the Transfer Service in relation to any of the Supported Countries or Supported Currencies at any time and without any notice to you.
3. The Transfer Service is only available to persons aged 18 years and over. We may ask you at any time to show proof of your age.
4. You confirm that you have authority to bind any business or entity on whose behalf you seek to use the Transfer Service, and that such a business or entity accepts these terms in full.
5. The Transfer Service may only be used to make a Transfer to a Recipient that is able to enter into legally binding contracts under applicable law, including local law in the jurisdiction in which the Recipient lives.
6. The Transfer Service may not be used for any unlawful purpose, which includes, without limitation:
  1. a transfer or receipt of money for the purpose of funding illegal activity;
  2. a transfer of money which constitutes money laundering or terrorist financing under applicable law, or which has been obtained by illegal activity; and
  3. a transfer of money for the purpose of avoiding the seizure of such money by law enforcement authorities or under an order of any court of law, or for the purpose of tax evasion.
Transfer Requests
1. In order to use the Transfer Service, the Sender must set up a profile through the Website or the App (a “Profile”), as described in the Website and App Terms. You are required to update the personal information contained in the Profile in case of any changes before making a request for a Transfer (a "Transfer Request").
2. When you submit a Transfer Request, you are requesting that we process the Transfer on your behalf and consenting to the execution of the Transfer. We are not obliged to process any particular Transfer. Your Transfer Request is an offer which we may accept or reject at our sole discretion.
3. Prior to a Transfer Request being submitted by the Sender, we will make available the following information depending on the information provided by the Sender:
  1. the amount to be sent by the Sender (the “Send Amount”)
  2. the fee that we will charge the Sender for the Transfer and any other fees or charges (the "Fees");
  3. an estimate of the exchange rate that will apply to a Transfer;
  4. the estimated amount the Recipient will receive after the exchange rate is applied and the Fees are deducted; and
  5. the latest time by which the funds will be made available to the Recipient.
4. Together, the Send Amount and the Fees will be known as the Transaction Amount.
5. We may, at our sole discretion, impose a limit on the Transaction Amount.
6. In order to complete the submission of a Transfer Request via the Website or the App, the Sender shall:
  1. confirm the acceptance of these terms and conditions;
  2. provide its consent to the execution of the Transfer; and
  3. confirm that the information submitted in the online form is true and accurate in all respects. In certain cases, we may require additional information from the Sender including, but not limited to, further background information relating to a Transfer, and we will either contact the Sender directly or ask the Sender to contact us to obtain the additional information before a Transfer can be successfully completed.
7. A Transfer Request will be accepted, and a binding contract entered into, once we send an e-mail to the Sender containing the following information:
  1. a unique Transfer identification number, enabling the Sender and Recipient to identify the Transfer (the "Transfer ID Number");
  2. a confirmation of the Send Amount;
  3. a confirmation of the Fees;
  4. a confirmation of the exchange rate applied to the Transfer;
  5. a confirmation of the amount remaining after application of the exchange rate and deduction of the Fees (the "Receive Amount"); and
  6. the date the Transfer Request was received.
8. If you provide incorrect information with your Transfer Request, such that the Transfer is sent to a person or entity other than the Recipient, we will use reasonable efforts to recover the funds for you. We may charge you a fee to do this. However, it may not be possible to recover the funds, and TransferLab will not be liable for any loss you may suffer as a result.
Payment
1. To make a Transfer Request, you will need to provide payment instructions through the Transfer Service. This will include but is not limited to the Recipient's full name, address, account number and Bank Identifier Code ("SWIFT" or "BIC"), any reference, and the Send Amount.
2. It is solely your responsibility to make sure all the Transfer details are accurate before submission.
3. Providing inaccurate details can cause delays in processing your Transfer or can lead to your Transfer being cancelled. Once a Transfer has been submitted for processing, TransferLab may, at their sole discretion, attempt to cancel a Transfer at your request, but cannot guarantee success in such efforts if a Transfer has been duly authorised and submitted.
4. The exact value of the money received by the Recipient may differ from the Receive Amount due to additional fees applied by the Recipient's banks or other service providers.
5. Once you confirm that you would like to initiate a Transfer, we will generate the Transfer ID Number and provide you with funding instructions, including our bank account details, or request you to provide your card details (if that is the payment method you have chosen), so that you can deposit the Transaction Amount.
6. Once your Transfer has been accepted and the Transaction Amount has been received by TransferLab, we will aim to pay the Receive Amount onto the Recipient bank account in the Supported Currency requested in the online form within the specified delivery time.
7. We will not contact the Recipient when funds become available on the Recipient's account.
8. We will attempt to process Transfers promptly, but any Transfer may be delayed or cancelled for a number of reasons, including but not limited to the need:
  1. to verify your identity;
  2. to validate your Transfer Request;
  3. to contact you;
  4. to otherwise comply with applicable law;
  5. to manage international variations in business hours and currency availability; or
  6. to meet additional legal requirements or/and operating procedures and business guidelines that our partners have in place.
9. Delivery times quoted on the Website or the App, or in these Terms and Conditions ("Delivery Times"), are representative of the normal or average service delivery time to a Recipient, and are not a guarantee of an individual Service or Transfer time. For the most up to date list of Delivery Times, please visit www.transferlab.io/[ ].
10. Banks have specified cut-off times for the receipt and dispatch of electronic payments. You acknowledge and agree that TransferLab cannot be held liable for any delay in onward payment attributable to the late arrival of your funds or instruction for payment, related to the cut-off times imposed by our banking partners for the receipt and dispatch of electronic payments (the "Cut-Off Times"). For the most up to date list of Cut-Off Times, please visit www.transferlab.io/[ ].
11. Once we have received your Transfer Request, we will display it under the transfer history section of your Profile. Each Transfer is given a Transfer ID Number which you can find there. You should quote this number when communicating with us about a particular Transfer.
12. We will only process your Transfer Request if we have received sufficient cleared funds from you into our TransferLab bank account. It is your responsibility to fund your Transfer in a timely manner. We cannot be responsible for the time it takes for the money to be sent to us by your bank or payment service provider.
13. You must make sure that the information you provide when setting up a Profile is accurate. If we have processed your order in accordance with the information you have provided to us it will be considered correctly completed, even if you have made a mistake.
14. If an incorrect amount is transferred by TransferLab (e.g. double payment, overpayment), the Recipient is obliged to refund the funds back to TransferLab. TransferLab reserves the right to take legal action if the Recipient should refuse to refund the surplus funds.
Payment Methods
1. A Transfer will be funded by the Sender through a debit card, bank transfer, Open Banking payment, or other payment method offered by TransferLab (the "Payment Methods").
2. The Payment Methods made available to you will depend on a number of factors, including your verification status with us. The Payment Methods are not part of the Transfer Service, they are services provided by third parties; for example, the card provider that issued you with your credit/debit card. We cannot guarantee the use of any particular Payment Method and may change or stop offering you the option to use a Payment Method at any time without notice to you.
3. Where relevant, you authorise us to debit your chosen Payment Method with the Transaction Amount. You represent and warrant that you are the lawful owner of the Payment Method and that the details you supply to us are accurate.
4. If your payment fails or is insufficient, you authorise us to re-try one or more times to debit your selected Payment Method.
5. Both you and the Recipient will only act on your own behalf. You may not submit a Transfer Request or receive a Transfer on behalf of a third person.
6. If you selected a Payment Method which gives you chargeback rights (for example in relation to your debit card, you may ask your card provider to reverse a transaction on your card), you promise that you will only exercise this chargeback right if we have breached this agreement. You promise that you will not exercise your chargeback right for reasons for which we are not responsible, including where a dispute arises with the Recipient or if there are insufficient funds in your payment instrument. If we need to investigate or take any actions in connection with a chargeback raised by you, we may charge you for our costs in doing so.
7. TransferLab will have no responsibility for any fees or charges you may incur by the use of a particular Payment Method to fund a Transfer. These may include but are not limited to unauthorised overdraft fees imposed by banks (if there are insufficient funds in your bank account), cash advance fees, or additional interest which may be imposed by card providers.
8. You may authorise third parties to provide their services to you, including authorising them to initiate payments from your bank account using Open Banking. You acknowledge that if you authorise a third party to access your bank account, we may disclose certain information about you to this third party. We are not responsible for any such third party's use of your bank account or any information in your bank account. Granting permission to a third party does not relieve you of your responsibilities under this agreement, including notifying us if your Profile has been compromised or if a Transfer Request is incorrect or unauthorised.
Exchange Rates
1. The foreign exchange conversion rate shown during the provision of the Transfer Service is the rate applicable for a currency conversion transaction done on that particular day and time.
2. The exchange rate specified during the provision of the Transfer Service may fluctuate from time to time in accordance with fluctuations in international exchange rate markets.
3. The Transaction Amount that you will be required to pay and the relevant exchange rate will be displayed clearly on the Website or the App before you are asked to confirm your Transfer and proceeding with the Transfer at this point is entirely optional.
4. We offer automatic guaranteed rates on all Transfer Requests. We will notify you of the period of time for which any given rate is guaranteed (the "Guaranteed Period") when you create your Transfer Request. This Guaranteed Period is subject to the conditions set out below.
  1. The Guaranteed Period may be extended if your Transfer Request is created over the weekend or public holiday.
  2. We must receive sufficient funds from you during the Guaranteed Period in order to convert your money at the guaranteed rate. For certain payment methods, we will consider your funds received once we know you have authorised the payment. You will see when we have received your money by logging into your Profile.
  3. If we receive your funds after the Guaranteed Period, we will not be able to convert your money using the guaranteed rate. We may offer to convert your money at the prevailing exchange rate at the time we receive your money and if we do so, we will email you and ask you if you want to proceed with your Transfer.
  4. If the relevant exchange rate (as provided by our reference exchange rate provider) changes by 5% or more during the Guaranteed Period, we can, at our discretion, suspend your Transfer for a reasonable period of time or cancel your Transfer and refund the money to you.
  5. Please note that we are not a currency trading platform; accordingly, you should not use the Transfer Service for this purpose (including creating multiple Transfers without the intention of completing all the Transfers). If we detect that you are using the Transfer Service for this purpose, we may, at our option, suspend or terminate your Profile.
  6. We may change or suspend these guaranteed rate conditions at any time.
Other Fees, Charges and Interest
1. If you submit a Transfer Request that results in TransferLab becoming liable for fees or charges, such as chargeback or other fees, you agree to reimburse us for all such fees.
2. TransferLab is not responsible for any charges applied by the Recipient's bank resulting from the receipt of funds into the Recipient's bank account. You should contact the Recipient's bank directly for details about any such charges that may be applicable to the Transfer.
3. On certain occasions intermediary bank fees may be applicable. In such cases TransferLab may refuse to cover the fees.
4. You will not be entitled to any interest for the period during which the funds to be remitted are held by a bank pending remittance, in the course of remittance, or for any other period.
5. In the event you are liable for any amounts owed to us, we reserve the right to collect your debt to us and you agree to reimburse us for this debt. We may recover amounts you owe us through legal means, including, without limitation, through the use of a debt collection agency.
Cancellation and Refund
1. You can cancel your agreement with us after you have submitted a Transfer Request. This right of cancellation continues until 14 days after you have submitted the Transfer Request, or until we have completed the contract by transferring the Receive Amount into the Recipient's bank account, whichever occurs earlier.
2. If you exercise your right to cancel under the above term, we may apply a cancellation fee. If you wish to cancel a Transfer and/or request a refund, you can send us an email to support@transferlab.io, or contact us by post using the address provided at the start of this agreement.
3. We will consider your request for a refund if we are able to identify you as the Sender.
4. For us to identify you, you must contact us from your registered email or postal address, and provide your full name, address, and phone number, together with the Transfer ID Number, Transaction Amount, and the reason for your refund request. Any refunds will be credited back to the same Payment Method used to fund the Transfer and in the same currency unless we cannot identify Sender's bank account.
5. If we cannot identify Sender's bank account, we will contact the Sender asking to provide same-currency bank account details to refund the Transfer.
6. For successful revocations, TransferLab will normally refund your money to the same Payment Method used to fund the Transfer and in the same currency, less any reasonable revocation, recall or tracing charges and any Fees already charged. No adjustment will be made for any currency fluctuations which may have occurred in the meanwhile. If we do provide you a refund, we will only refund the Send Amount if the Receive Amount was not paid out to the Recipient (in which case we will also cancel your pending Transfer).
7. In circumstances when the payment has already been credited to Recipient's bank account, and a Sender requires a recall of the funds, they may do so. However TransferLab cannot guarantee cancellation will be successful.
8. In those circumstances we will make reasonable efforts to recover the funds. We may charge you a reasonable fee to do so. However, there is no guarantee that the cancellation will be successful.
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. You consent to the provisions of the Website and App Terms governing our collection and use of your personal identifying information. All information provided by you will be treated securely, and strictly in accordance with the Data Protection Act 2018.
Customer Service and Complaints
1. TransferLab 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 support@transferlab.io.
2. In the event that a Sender is dissatisfied with the Transfer Service, or believes that a Transfer has not been correctly executed, the Sender should inform us as soon as possible in writing by email at support@transferlab.io.
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.
4. In exceptional circumstances, we will send you a holding reply within 15 business days specifying the deadline by which you will receive our final response, being no later than 35 business days from the date of the initial complaint.
5. If the Sender is unhappy with our final response, the Sender has the right to refer the complaint to the Financial Ombudsman Service, free of charge – but must do so within six months of the date of our final response. The Sender may:
  1. Write to The Financial Ombudsman Service, Exchange Tower, London E14 9SR.
  2. Phone 0800 023 4567.
  3. Email complaint.info@financial-ombudsman.org.uk.
6. Further information can be found at www.financial-ombudsman.org.uk.
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 Transfer Service in the Northern Irish courts.
2. If you live in England or Wales you can alternatively bring legal proceedings in respect of the Transfer Service in the English or Welsh courts. If you live in Scotland you can alternatively bring legal proceedings in respect of the Transfer Service in the Scottish courts.

TERMS AND CONDITIONS FOR USE OF THE TRANSFERLAB REWARD PROGRAMME

About this Agreement
1. This page sets out the terms and conditions that apply to the TransferLab Reward Programme (the "Reward Programme").
2. The Reward Programme is offered by Bureau Buttercrane Ltd, 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), trading as TransferLab ("TransferLab", "we", "us").
3. TransferLab operates a service (the "Transfer Service") that allows users to transfer money and make foreign currency payments internationally through our website, www.transferlab.io (the "Website"), and our mobile phone application (the "App"). The Transfer Service is described in further detail in the Terms and Conditions for Use of the TransferLab Online Money Transfer Service (the "Transfer Service Terms"), which are provided to users immediately prior to each use of the Transfer Service.
4. By making use of the Transfer Service, a new user (the "New User") shall be deemed to have accepted these terms and conditions ("Reward Terms"). By referring a friend to us as set out below, an existing user (the "Referrer") shall also be deemed to have accepted these Reward Terms. Both New Users and Referrers should therefore read these Reward Terms carefully and make sure they understand and agree to them before using the Transfer Service for the first time or referring a friend to us.
5. The Reward Programme is void where prohibited by law.
How to participate in the Reward Programme
1. In order for a New User or Referrer to participate in the Reward Programme, a New User must set up a Profile on our Website or App, as described in the Terms and Conditions for Use of the TransferLab Website and Mobile Phone Application (the "Website and App Terms"), which are available at www.transferlab.io/terms-and-conditions.
2. The Reward Programme has two possible benefits for users of the Transfer Service: the discount for New Users described in clause 2.3 and the cash reward for Referrers described in clauses 2.4 – 2.14. To initiate the process by which we will provide these benefits, the New User must make a cross-currency transfer of £1,000 or more (or equivalent in another currency) within 6 months of creating a Profile and transfer to TransferLab a single sum of £1,000 or more (the "Qualifying Transfer").
3. When the New User makes a Qualifying Transfer, we will reduce the total amount charged to the New User for making the Qualifying Transfer by £10 (the "Discount"). The Discount will be applied and clearly indicated during the checkout process. The Discount will only be available in relation to the Qualifying Transfer and will not be available for any subsequent transfers made by the New User. The Discount will be available regardless of whether or not the New User is referred by a Referrer.
4. Where a New User is referred to us by a Referrer, and in order to facilitate the cash reward for Referrers described further below (the "Referrer's Reward"), the New User must identify that a Referrer has referred them to our Transfer Service by:
  1. quoting the Referrer's invite code; or
  2. following the Referrer's invite link.
5. We will provide a Referrer with access to an invite code or invite link when the Referrer signs in to their Profile and accesses the "Invite" page on our Transfer Service. If the Referrer has agreed to receive email communications from us, we will also send the Referrer's invite code to the email address they provided to us when they set up their Profile. A Referrer can check their stored email address by visiting their Profile.
6. In order to participate in the Reward Programme, a Referrer must recommend our Transfer Service to a person or business and do any of the following:
  1. send the New User their invite code; or
  2. send the New User their invite link.
7. The Referrer must also ensure that they have the New User's consent to send them the invite code or invite link to our Transfer Service.
8. Once the New User has completed the Qualifying Transfer, and if the Referrer and New User have followed the steps outlined in 2.4 – 2.7, the Referrer may be eligible to claim the Referrer's Reward in the amount set out in clause 3.1 – 3.2. A Qualifying Transfer shall be deemed completed when:
  1. the New User has initiated the Qualifying Transfer, paid us the relevant amount to be transferred together with our fees; and
  2. the bank account identified by the New User to receive the Qualifying Transfer has been credited with the amount sent by the New User using our Transfer Service (subject to any additional fees and charges as set out in our Transfer Service Terms) and hasn't been rejected or refunded back to our bank account.
9. Subject to the Referrer's selected marketing and communications preferences, we will inform the Referrer of their right to claim the Referrer's Reward by contacting them by email or by updating the "Invite" page of our Transfer Service within 5 business days of the New User completing the Qualifying Transfer.
10. If the New User uses an invite link rather than the invite code when creating their Profile, they must have cookies enabled on their browser in order for us to identify them as having been referred to our Transfer Service by the Referrer, and for the Referrer to be eligible to receive a Referrer's Reward.
11. Before the Referrer can claim their Referrer's Reward, we may need to obtain some additional documentation or information from the Referrer and the New User (if we have not done so already). We may:
  1. ask the Referrer and the New User to provide such details or documentation as we may reasonably require to confirm the Referrer's or the New User's identity (as applicable); and
  2. take any reasonable steps to verify any information or documents provided by the Referrer or the New User for the purposes of electronic identification, such as accessing government and private databases and credit reference agencies.
12. TransferLab reserves the right not to pay out Referrer's Rewards in the following cases:
  1. we are unable to verify the Referrer's or the New User's identity, or any additional information and documentation, in accordance with our anti-money laundering policies;
  2. we reasonably suspect that the Profile has been created by the New User fraudulently or the New User's Profile is otherwise in breach of our Website and App Terms;
  3. the Referrer has breached any provision in these Reward Terms, the Transfer Service Terms, or the Website and App Terms;
  4. we have discontinued the Reward Programme and the Qualifying Transfer has been completed after the date on which the Reward Programme was discontinued;
  5. we are prohibited from paying the Referrer the Referrer's Reward by applicable law;
  6. the Referrer's Reward has expired in accordance with clause 4.2;
  7. if the New User uses an invite link rather than the invite code when creating their Profile, and does not have cookies enabled on their browser;
  8. the Referrer or the New User have multiple TransferLab profiles;
  9. if the Referrer's Reward was claimed to the same profile by multiple users;
  10. if we suspect that a New User has no real intention in using our Transfer Service and used our Transfer Service only once with the aim of getting a Discount and/or securing a Referrer's Reward for their Referrer;
  11. when the Referrer requests the Referrer's Reward to be paid to an account other than their personal bank account;
  12. when the Referrer requests the Referrer's Reward to be paid to an account denominated in a currency other than one of the currencies that we have designated as supported by us (the "Supported Currencies"); or
  13. if the New User does not provide their unique code or unique link when creating their Profile or placing an order. The Referrer's Reward is assigned to the Referrer from the Referrer's code used by the New User. TransferLab is not able to reassign Referrer's Rewards.
13. A Referrer must not use pay-per-click or other paid or automated lead generation services to participate in the Reward Programme. A Referrer may not be able to claim their Referrer's Reward if we reasonably suspect that the Referrer has used such services to invite New Users to use our Transfer Service, and we may also take any other action we reasonably deem appropriate, including immediate, temporary or permanent withdrawal of the Referrer's right to use our Transfer Service or closure of their Profile.
14. The decision of TransferLab in all matters is final and binding and no correspondence or discussion will be entered into.
Amount of Referrer's Reward
1. When creating a Profile, the New User has the option of indicating that it is an individual or a business. As previously stated, the New User will be asked to prove its identity, and we will use this process to verify that the New User is an individual or business, as applicable.
2. The amount of the Referrer's Reward paid to the Referrer varies depending on which of the options described in clause 3.1 is selected by the New User when creating a Profile and what evidence is provided. Where a New User selects the business option and provides satisfactory proof of identity, the Referrer's Reward will be £20. Where a New User selects the individual option and provides satisfactory proof of identity, the Referrer's Reward will be £10.
3. A Referrer can claim their Referrer's Reward in UK pounds or any of the Supported Currencies. If the Referrer selects one of the Supported Currencies, we will notify them of the amount of the selected Supported Currency that they would receive if we converted the amount of the Referrer's Reward at the rate shown on the Transfer Service on the day and time at which the Referrer makes the selection. This rate may fluctuate from time to time in accordance with fluctuations in international exchange rate markets.
4. Having been notified of the amount specified in clause 3.3, the Referrer may then decide to proceed with claiming their Referrer's Reward in the selected Supported Currency or can decide to claim it in UK pounds.
5. If the Referrer decides to proceed with claiming their Referrer's Reward in the selected Supported Currency:
  1. the Referrer agrees that we do not, and do not purport to, act as a fiduciary, agent or advisor in respect of the conversion, nor do we provide or perform a foreign currency exchange on the Referrer's behalf;
  2. the Referrer agrees that no information provided by or through TransferLab constitutes a recommendation or an invitation that the Referrer enters into, directly or indirectly, a particular foreign exchange transaction or a representation that any financial instrument or transaction is suitable for them; and
  3. the Referrer agrees that they will be liable for any reduction in the value of the Referrer's Reward caused by our conversion of the Referrer's Reward amount into the Supported Currency and the subsequent payment of the Referrer's Reward to the Referrer's account, which includes any fees or costs incurred in the process of the Referrer's Reward reaching the Referrer's account.
Claiming A Referrer's Reward
1. Subject to clause 2.4 – 2.14, once the New User has made a Qualifying Transfer in accordance with clause 2.2, the Referrer's Reward will become available. The Referrer can claim their Referrer's Reward by following the "Claim Your Reward" instructions on the email we will send the Referrer. The Referrer will need to submit their own bank account details in order that we may pay them the Referrer's Reward. Bank details can be added to the form on the "Invite" page on our Transfer Service, where the Referrer will see confirmation of a New User having made a Qualifying Transfer.
2. A Referrer must claim their Referrer's Reward within 30 days. We will inform them of their right to do so via email. If they do not claim their Referrer's Reward within this period, their right to receive it will expire.
Limitation of Liability
1. TransferLab reserves the right at any time to modify or discontinue, temporarily or permanently, the Reward Programme with or without prior notice due to reasons outside its control (including, without limitation, in the case of anticipated, suspected or actual fraud).
2. We may also modify or discontinue the Reward Programme on reasonable notice to the New User or Referrer, as applicable. If we discontinue the Reward Programme, we will:
  1. subject to clause 4.2, honour any Discount or Referrer's Reward for which a New User or Referrer became eligible prior to 11.59pm UK time on the last date of the Reward Programme; and
  2. inform the New User or Referrer of any right to claim a Discount or Referrer's Reward that had accrued to that New User or Referrer as at 11.59pm UK time on the last date of the Reward Programme if the New User or Referrer has agreed to receive email communications and/or notifications from us.
3. TransferLab accepts no responsibility for any loss or damage incurred or suffered by a New User or Referrer as a result of participating in the Reward Programme or accepting or using a Discount or Referrer's Reward, including (but not limited to) any loss resulting from the following:
  1. any postponement or cancellation of the Reward Programme, or any delay in informing a New User or Referrer of their right to claim a Discount or Referrer's Reward;
  2. any alteration, unauthorised access, damage, late delivery or non-delivery of any notices, acceptances, requests or other documents related to the Reward Programme;
  3. any damage to a New User's, Referrer's or any other person's computer relating to or resulting from participation in the Reward Programme or downloading any materials in connection with the Reward Programme; or
  4. any act or default of any third-party supplier.
4. Nothing in these Reward Terms shall exclude the liability of TransferLab for death, personal injury, fraud or fraudulent misrepresentation as a result of its negligence, or any other matter for which the law does not allow us to exclude or limit our liability.
5. All taxes and other administrative expenses arising in respect of the Referrer's Reward are the responsibility of the Referrer.
personal details
1. Please see our Privacy Policy for more information about how we handle users' information. A copy of the Privacy Policy is available on the Website at www.transferlab.io/privacy-policy or on request by email to support@transferlab.io.
General
1. If any provision of these Reward Terms is judged to be illegal or unenforceable, this will not affect the continuation in full force and effect of the remainder of the provisions.
2. If a party to these Reward Terms has any questions about the Reward Programme, that party is invited to email us at support@TransferLab.io with "Reward Programme" in the subject line.
3. The Reward Programme will be governed by Northern Irish law and participants submit to the exclusive jurisdiction of the Northern Irish courts.
4. TransferLab reserves the right to refuse to provide the Discount or pay the Referrer's Reward at its discretion.
5. TransferLab reserves the right to amend or withdraw the Discount or Referrer's Reward at its absolute discretion.
6. TransferLab reserves the right to terminate the Reward Programme at any time, without notice.
7. TransferLab reserves the right to change these Reward Terms at any time.

TransferLab Ireland Transfer Service Terms

TERMS AND CONDITIONS FOR USE OF THE TRANSFERLAB MONEY TRANSFER SERVICE

About This Agreement
1. This agreement sets out the terms and conditions on which we provide to you the TransferLab money transfer service (the “Transfer Service”).
2. 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.
3. Please read these terms and conditions carefully before you start to use the Transfer Service. 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 Transfer Service to you, how this agreement may be changed or ended, what to do if there is a problem, and other important information.
4. Your use of the Transfer Service confirms your acceptance of these terms and conditions, which are available on our website at https://transferlab.io/roi-transfer-service-terms (the Website). Your use of the Transfer Service is subject to your continued compliance with these terms and conditions. If you do not agree with these terms, please do not use the Transfer Service.
5. If you don't understand any of these terms and conditions and want to talk to us about them, please contact us at support@transferlab.io.
About TransferLab
1. The Transfer Service is provided by Bureau Buttercrane Limited, trading as TransferLab Ireland (“we”, “us” or “TransferLab”), a company established in the Republic of Ireland with its registered office at Unit 10, Creative Spark, Clontygora Court, Dundalk, County Louth, A91 HF77 (company number 604979).
2. TransferLab is a payment institution authorised and regulated by the Central Bank of Ireland for the provision of payment services (reference number C182347). The Central Bank of Ireland can be contacted by post at New Wapping Street, North Wall Quay, Dublin 1, D01 F7X3, by phone on 0818 681 681, or by email at enquiries@centralbank.ie.
3. These terms and conditions apply only to money transfers initiated by a natural person or business in the Republic of Ireland (a “Sender”), using the following contact details:
  1. For money transfers initiated by telephone: +353 42 604 2000 (the Telephone Number).
  2. For money transfers initiated by email: support@transferlab.io (the Email Address).
The TransferLab Service
1. The Transfer Service allows a Sender to initiate a transfer of money as a single payment transaction (a “Transfer”) via the Telephone Number or Email Address to a natural person or business outside the Republic of Ireland and designated by the Sender (the “Recipient”). The Recipient will receive the Transfer into a bank account designated by the Sender.
2. The Recipient may only be located in one of the countries in which we operate (the "Supported Countries"), and the Transfer may only be made into one of the currencies designated by us (the "Supported Currencies"). A list of the Supported Countries and Supported Currencies may be found at www.transferlab.io. TransferLab reserves the right to cease providing the Transfer Service in relation to any of the Supported Countries or Supported Currencies at any time and without any notice to you.
3. The Transfer Service is only available to persons aged 18 years and over. We may ask you at any time to show proof of your age.
4. You confirm that you have authority to bind any business or entity on whose behalf you seek to use the Transfer Service, and that such a business or entity accepts these terms in full.
5. The Transfer Service may only be used to make a Transfer to a Recipient that is able to enter into legally binding contracts under applicable law, including local law in the jurisdiction in which the Recipient lives.
6. The Transfer Service may not be used for any unlawful purpose, which includes, without limitation:
  1. a transfer or receipt of money for the purpose of funding illegal activity;
  2. a transfer of money which constitutes money laundering or terrorist financing under applicable law, or which has been obtained by illegal activity; and
  3. a transfer of money for the purpose of avoiding the seizure of such money by law enforcement authorities or under an order of any court of law, or for the purpose of tax evasion.
Transfer Requests
1. In order to use the Transfer Service, the Sender will be required to provide certain personal information, in accordance with clause 10 of these terms and conditions, before making a request for a Transfer (a "Transfer Request").
2. When you submit a Transfer Request, you are requesting that we process the Transfer on your behalf and consenting to the execution of the Transfer. We are not obliged to process any particular Transfer. Your Transfer Request is an offer which we may accept or reject at our sole discretion.
3. Prior to a Transfer Request being submitted by the Sender, we will make available the following information depending on the information provided by the Sender:
  1. the amount to be sent by the Sender (the “Send Amount”)
  2. the fee that we will charge the Sender for the Transfer and any other fees or charges (the "Fees");
  3. an estimate of the exchange rate that will apply to a Transfer;
  4. the estimated amount the Recipient will receive after the exchange rate is applied and the Fees are deducted; and
  5. the latest time by which the funds will be made available to the Recipient.
4. Together, the Send Amount and the Fees will be known as the Transaction Amount.
5. We may, at our sole discretion, impose a limit on the Transaction Amount.
6. In order to complete the submission of a Transfer Request via the Telephone Number or the Email Address, the Sender shall:
  1. confirm the acceptance of these terms and conditions;
  2. provide its consent to the execution of the Transfer; and
  3. confirm that the information submitted to TransferLab is true and accurate in all respects. In certain cases, we may require additional information from the Sender including, but not limited to, further background information relating to a Transfer, and we will either contact the Sender directly or ask the Sender to contact us to obtain the additional information before a Transfer can be successfully completed.
7. A Transfer Request will be accepted, and a binding contract entered into, once we send an e-mail to the Sender containing the following information:
  1. a unique Transfer identification number, enabling the Sender and Recipient to identify the Transfer (the "Transfer ID Number");
  2. a confirmation of the Send Amount;
  3. a confirmation of the Fees;
  4. a confirmation of the exchange rate applied to the Transfer;
  5. a confirmation of the amount remaining after application of the exchange rate and deduction of the Fees (the "Receive Amount"); and
  6. the date the Transfer Request was received.
8. If you provide incorrect information with your Transfer Request, such that the Transfer is sent to a person or entity other than the Recipient, we will use reasonable efforts to recover the funds for you. We may charge you a fee to do this. However, it may not be possible to recover the funds, and TransferLab will not be liable for any loss you may suffer as a result.
Payment
1. To make a Transfer Request, you will need to provide payment instructions through the Transfer Service. This will include but is not limited to the Recipient's full name, address, account number and Bank Identifier Code ("SWIFT" or "BIC"), any reference, and the Send Amount.
2. It is solely your responsibility to make sure all the Transfer details are accurate before submission.
3. Providing inaccurate details can cause delays in processing your Transfer or can lead to your Transfer being cancelled. Once a Transfer has been submitted for processing, TransferLab may, at their sole discretion, attempt to cancel a Transfer at your request, but cannot guarantee success in such efforts if a Transfer has been duly authorised and submitted.
4. The exact value of the money received by the Recipient may differ from the Receive Amount due to additional fees applied by the Recipient's banks or other service providers.
5. Once you confirm that you would like to initiate a Transfer, we will generate the Transfer ID Number and provide you with funding instructions, including our bank account details, or request you to provide your card details (if that is the payment method you have chosen), so that you can deposit the Transaction Amount.
6. Once your Transfer has been accepted and the Transaction Amount has been received by TransferLab, we will aim to pay the Receive Amount onto the Recipient bank account in the Supported Currency requested within the specified delivery time.
7. We will not contact the Recipient when funds become available on the Recipient's account.
8. We will attempt to process Transfers promptly, but any Transfer may be delayed or cancelled for a number of reasons, including but not limited to the need:
  1. to verify your identity;
  2. to validate your Transfer Request;
  3. to contact you;
  4. to otherwise comply with applicable law;
  5. to manage international variations in business hours and currency availability; or
  6. to meet additional legal requirements or/and operating procedures and business guidelines that our partners have in place.
9. Delivery times quoted on the Website or in these Terms and Conditions ("Delivery Times") are representative of the normal or average service delivery time to a Recipient, and are not a guarantee of an individual Service or Transfer time. For the most up to date list of Delivery Times, please contact support@transferlab.io
10. Banks have specified cut-off times for the receipt and dispatch of electronic payments. You acknowledge and agree that TransferLab cannot be held liable for any delay in onward payment attributable to the late arrival of your funds or instruction for payment, related to the cut-off times imposed by our banking partners for the receipt and dispatch of electronic payments (the "Cut-Off Times"). For the most up to date list of Cut-Off Times, please contact support@transferlab.io
11. Once we have received your Transfer Request, we will send you an email containing the details of the Transfer. Each Transfer is given a Transfer ID Number which you can find there. You should quote this number when communicating with us about a particular Transfer.
12. We will only process your Transfer Request if we have received sufficient cleared funds from you into our TransferLab bank account. It is your responsibility to fund your Transfer in a timely manner. We cannot be responsible for the time it takes for the money to be sent to us by your bank or payment service provider.
13. You must make sure that the information you provide when making a Transfer Request is correct and complete. If we have processed your order in accordance with the information you have provided to us it will be considered correctly completed, even if you have made a mistake.
14. If an incorrect amount is transferred by TransferLab (e.g. double payment, overpayment), the Recipient is obliged to refund the funds back to TransferLab. TransferLab reserves the right to take legal action if the Recipient should refuse to refund the surplus funds.
Payment Methods
1. A Transfer will be funded by the Sender through a debit card, bank transfer, Open Banking payment, or other payment method offered by TransferLab (the "Payment Methods").
2. The Payment Methods made available to you will depend on a number of factors, including your verification status with us. The Payment Methods are not part of the Transfer Service, they are services provided by third parties; for example, the card provider that issued you with your credit/debit card. We cannot guarantee the use of any particular Payment Method and may change or stop offering you the option to use a Payment Method at any time without notice to you.
3. Where relevant, you authorise us to debit your chosen Payment Method with the Transaction Amount. You represent and warrant that you are the lawful owner of the Payment Method and that the details you supply to us are accurate.
4. If your payment fails or is insufficient, you authorise us to re-try one or more times to debit your selected Payment Method.
5. Both you and the Recipient will only act on your own behalf. You may not submit a Transfer Request or receive a Transfer on behalf of a third person.
6. If you selected a Payment Method which gives you chargeback rights (for example in relation to your debit card, you may ask your card provider to reverse a transaction on your card), you promise that you will only exercise this chargeback right if we have breached this agreement. You promise that you will not exercise your chargeback right for reasons for which we are not responsible, including where a dispute arises with the Recipient or if there are insufficient funds in your payment instrument. If we need to investigate or take any actions in connection with a chargeback raised by you, we may charge you for our costs in doing so.
7. TransferLab will have no responsibility for any fees or charges you may incur by the use of a particular Payment Method to fund a Transfer. These may include but are not limited to unauthorised overdraft fees imposed by banks (if there are insufficient funds in your bank account), cash advance fees, or additional interest which may be imposed by card providers.
8. You may authorise third parties to provide their services to you, including authorising them to initiate payments from your bank account using Open Banking. You acknowledge that if you authorise a third party to access your bank account, we may disclose certain information about you to this third party. We are not responsible for any such third party's use of your bank account or any information in your bank account. Granting permission to a third party does not relieve you of your responsibilities under this agreement, including notifying us if a Transfer Request is incorrect or unauthorised.
Exchange Rates
1. The foreign exchange conversion rate shown during the provision of the Transfer Service is the rate applicable for a currency conversion transaction done on that particular day and time.
2. The exchange rate specified during the provision of the Transfer Service may fluctuate from time to time in accordance with fluctuations in international exchange rate markets.
3. The Transaction Amount that you will be required to pay and the relevant exchange rate will be provided to you clearly by email before you are asked to confirm your Transfer and proceeding with the Transfer at this point is entirely optional.
4. We offer automatic guaranteed rates on all Transfer Requests. We will notify you of the period of time for which any given rate is guaranteed (the "Guaranteed Period") when you create your Transfer Request. This Guaranteed Period is subject to the conditions set out below.
  1. The Guaranteed Period may be extended if your Transfer Request is created over the weekend or public holiday.
  2. We must receive sufficient funds from you during the Guaranteed Period in order to convert your money at the guaranteed rate. For certain payment methods, we will consider your funds received once we know you have authorised the payment. We can confirm when we have received your money upon request.
  3. If we receive your funds after the Guaranteed Period, we will not be able to convert your money using the guaranteed rate. We may offer to convert your money at the prevailing exchange rate at the time we receive your money and if we do so, we will email you and ask you if you want to proceed with your Transfer.
  4. If the relevant exchange rate (as provided by our reference exchange rate provider) changes by 5% or more during the Guaranteed Period, we can, at our discretion, suspend your Transfer for a reasonable period of time or cancel your Transfer and refund the money to you.
  5. Please note that we are not a currency trading platform; accordingly, you should not use the Transfer Service for this purpose (including creating multiple Transfers without the intention of completing all the Transfers). If we detect that you are using the Transfer Service for this purpose, we may, at our option, decline to provide the Transfer Service to you in future.
  6. We may change or suspend these guaranteed rate conditions at any time.
Other Fees, Charges and Interest
1. If you submit a Transfer Request that results in TransferLab becoming liable for fees or charges, such as chargeback or other fees, you agree to reimburse us for all such fees.
2. TransferLab is not responsible for any charges applied by the Recipient's bank resulting from the receipt of funds into the Recipient's bank account. You should contact the Recipient's bank directly for details about any such charges that may be applicable to the Transfer.
3. On certain occasions intermediary bank fees may be applicable. In such cases TransferLab may refuse to cover the fees.
4. You will not be entitled to any interest for the period during which the funds to be remitted are held by a bank pending remittance, in the course of remittance, or for any other period.
5. In the event you are liable for any amounts owed to us, we reserve the right to collect your debt to us and you agree to reimburse us for this debt. We may recover amounts you owe us through legal means, including, without limitation, through the use of a debt collection agency.
Cancellation and Refund
1. You can cancel your agreement with us after you have submitted a Transfer Request. This right of cancellation continues until 14 days after you have submitted the Transfer Request, or until we have completed the contract by transferring the Receive Amount into the Recipient's bank account, whichever occurs earlier.
2. If you exercise your right to cancel under the above term, we may apply a cancellation fee. If you wish to cancel a Transfer and/or request a refund, you can send us an email to support@transferlab.io, or contact us by post using the address provided at the start of this agreement.
3. We will consider your request for a refund if we are able to identify you as the sender.
4. For us to identify you, you must contact us from your registered email or postal address, and provide your full name, address, and phone number, together with the Transfer ID Number, Transaction Amount, and the reason for your refund request. Any refunds will be credited back to the same Payment Method used to fund the Transfer and in the same currency unless we cannot identify Sender's bank account.
5. If we cannot identify Sender's bank account, we will contact the Sender asking to provide same currency bank account details to refund the Transfer.
6. For successful revocations, TransferLab will normally refund your money to the same Payment Method used to fund the Transfer and in the same currency, less any reasonable revocation, recall or tracing charges and any Fees already charged. No adjustment will be made for any currency fluctuations which may have occurred in the meanwhile. If we do provide you a refund, we will only refund the Send Amount if the Receive Amount was not paid out to the Recipient (in which case we will also cancel your pending Transfer).
7. In circumstances when the payment has already been credited to Recipient's bank account, and a Sender requires a recall of the funds, they may do so. However TransferLab cannot guarantee cancellation will be successful.
8. In those circumstances we will make reasonable efforts to recover the funds. We may charge you a reasonable fee to do so. However, there is no guarantee that the cancellation will be successful.
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 Criminal Justice (Money Laundering and Terrorist Financing) Act 2010, as amended by the Criminal Justice (Money Laundering and Terrorist Financing) Amendment Act 2021, and any other applicable laws of the Republic of Ireland 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 Transfer Service:
  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 Regulation (EU) 2016/679 (the "General Data Protection Regulation") and the Data Protection Act 2018.
7. The Sender consents to the collection, use, disclosure and transfer (including cross-border transfer) of its personal information, as described in our Privacy Notice, which is available on the Website at www.transferlab.io/roi-privacy-notice or on request by email to support@transferlab.io.
8. These terms and conditions further incorporate our Cookie Policy, which is available on the Website at www.transferlab.io/cookie-policy or on request by email to support@transferlab.io.
9. We may be required by law to provide information about you and your use of the Transfer Service to governmental or other competent authorities, as described in our Privacy Notice. You acknowledge and consent to us doing this.
Customer Service and Complaints
1. TransferLab 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 support@transferlab.io.
2. In the event that a Sender is dissatisfied with the Transfer Service, or believes that a Transfer has not been correctly executed, the Sender should inform us as soon as possible in writing by email at support@transferlab.io.
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.
4. In exceptional circumstances, we will send you a holding reply within 15 business days specifying the deadline by which you will receive our final response, being no later than 35 business days from the date of the initial complaint.
5. If the Sender is unhappy with our final response, the Sender has the right to refer the complaint to the Financial Services and Pensions Ombudsman, free of charge – but must do so within six months of the date of our final response. The Sender may:
  1. Write to the Financial Services and Pensions Ombudsman, Lincoln House, Lincoln Place, Dublin 2, D02 VH29.
  2. Phone 01 567 7000.
  3. Email info@fspo.ie.
6. Further information can be found at www.fspo.ie.
Governing Law and Jurisdiction
1. These terms and conditions are governed by Irish law and subject to the exclusive jurisdiction of the Irish courts.

TERMS AND CONDITIONS FOR USE OF THE TRANSFERLAB REWARD PROGRAMME

About this Agreement
1. This page sets out the terms and conditions that apply to the TransferLab Reward Programme (the "Reward Programme").
2. The Reward Programme is offered by Bureau Buttercrane Ltd, 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), trading as TransferLab ("TransferLab", "we", "us").
3. TransferLab operates a service (the "Transfer Service") that allows users to transfer money and make foreign currency payments internationally through our website, www.transferlab.io (the "Website"), and our mobile phone application (the "App"). The Transfer Service is described in further detail in the Terms and Conditions for Use of the TransferLab Online Money Transfer Service (the "Transfer Service Terms"), which are provided to users immediately prior to each use of the Transfer Service.
4. By making use of the Transfer Service, a new user (the "New User") shall be deemed to have accepted these terms and conditions ("Reward Terms"). By referring a friend to us as set out below, an existing user (the "Referrer") shall also be deemed to have accepted these Reward Terms. Both New Users and Referrers should therefore read these Reward Terms carefully and make sure they understand and agree to them before using the Transfer Service for the first time or referring a friend to us.
5. The Reward Programme is void where prohibited by law.
How to participate in the Reward Programme
1. In order for a New User or Referrer to participate in the Reward Programme, a New User must set up a Profile on our Website or App, as described in the Terms and Conditions for Use of the TransferLab Website and Mobile Phone Application (the "Website and App Terms"), which are available at www.transferlab.io/terms-and-conditions.
2. The Reward Programme has two possible benefits for users of the Transfer Service: the discount for New Users described in clause 2.3 and the cash reward for Referrers described in clauses 2.4 – 2.14. To initiate the process by which we will provide these benefits, the New User must make a cross-currency transfer of £1,000 or more (or equivalent in another currency) within 6 months of creating a Profile and transfer to TransferLab a single sum of £1,000 or more (the "Qualifying Transfer").
3. When the New User makes a Qualifying Transfer, we will reduce the total amount charged to the New User for making the Qualifying Transfer by £10 (the "Discount"). The Discount will be applied and clearly indicated during the checkout process. The Discount will only be available in relation to the Qualifying Transfer and will not be available for any subsequent transfers made by the New User. The Discount will be available regardless of whether or not the New User is referred by a Referrer.
4. Where a New User is referred to us by a Referrer, and in order to facilitate the cash reward for Referrers described further below (the "Referrer's Reward"), the New User must identify that a Referrer has referred them to our Transfer Service by:
  1. quoting the Referrer's invite code; or
  2. following the Referrer's invite link.
5. We will provide a Referrer with access to an invite code or invite link when the Referrer signs in to their Profile and accesses the "Invite" page on our Transfer Service. If the Referrer has agreed to receive email communications from us, we will also send the Referrer's invite code to the email address they provided to us when they set up their Profile. A Referrer can check their stored email address by visiting their Profile.
6. In order to participate in the Reward Programme, a Referrer must recommend our Transfer Service to a person or business and do any of the following:
  1. send the New User their invite code; or
  2. send the New User their invite link.
7. The Referrer must also ensure that they have the New User's consent to send them the invite code or invite link to our Transfer Service.
8. Once the New User has completed the Qualifying Transfer, and if the Referrer and New User have followed the steps outlined in 2.4 – 2.7, the Referrer may be eligible to claim the Referrer's Reward in the amount set out in clause 3.1 – 3.2. A Qualifying Transfer shall be deemed completed when:
  1. the New User has initiated the Qualifying Transfer, paid us the relevant amount to be transferred together with our fees; and
  2. the bank account identified by the New User to receive the Qualifying Transfer has been credited with the amount sent by the New User using our Transfer Service (subject to any additional fees and charges as set out in our Transfer Service Terms) and hasn't been rejected or refunded back to our bank account.
9. Subject to the Referrer's selected marketing and communications preferences, we will inform the Referrer of their right to claim the Referrer's Reward by contacting them by email or by updating the "Invite" page of our Transfer Service within 5 business days of the New User completing the Qualifying Transfer.
10. If the New User uses an invite link rather than the invite code when creating their Profile, they must have cookies enabled on their browser in order for us to identify them as having been referred to our Transfer Service by the Referrer, and for the Referrer to be eligible to receive a Referrer's Reward.
11. Before the Referrer can claim their Referrer's Reward, we may need to obtain some additional documentation or information from the Referrer and the New User (if we have not done so already). We may:
  1. ask the Referrer and the New User to provide such details or documentation as we may reasonably require to confirm the Referrer's or the New User's identity (as applicable); and
  2. take any reasonable steps to verify any information or documents provided by the Referrer or the New User for the purposes of electronic identification, such as accessing government and private databases and credit reference agencies.
12. TransferLab reserves the right not to pay out Referrer's Rewards in the following cases:
  1. we are unable to verify the Referrer's or the New User's identity, or any additional information and documentation, in accordance with our anti-money laundering policies;
  2. we reasonably suspect that the Profile has been created by the New User fraudulently or the New User's Profile is otherwise in breach of our Website and App Terms;
  3. the Referrer has breached any provision in these Reward Terms, the Transfer Service Terms, or the Website and App Terms;
  4. we have discontinued the Reward Programme and the Qualifying Transfer has been completed after the date on which the Reward Programme was discontinued;
  5. we are prohibited from paying the Referrer the Referrer's Reward by applicable law;
  6. the Referrer's Reward has expired in accordance with clause 4.2;
  7. if the New User uses an invite link rather than the invite code when creating their Profile, and does not have cookies enabled on their browser;
  8. the Referrer or the New User have multiple TransferLab profiles;
  9. if the Referrer's Reward was claimed to the same profile by multiple users;
  10. if we suspect that a New User has no real intention in using our Transfer Service and used our Transfer Service only once with the aim of getting a Discount and/or securing a Referrer's Reward for their Referrer;
  11. when the Referrer requests the Referrer's Reward to be paid to an account other than their personal bank account;
  12. when the Referrer requests the Referrer's Reward to be paid to an account denominated in a currency other than one of the currencies that we have designated as supported by us (the "Supported Currencies"); or
  13. if the New User does not provide their unique code or unique link when creating their Profile or placing an order. The Referrer's Reward is assigned to the Referrer from the Referrer's code used by the New User. TransferLab is not able to reassign Referrer's Rewards.
13. A Referrer must not use pay-per-click or other paid or automated lead generation services to participate in the Reward Programme. A Referrer may not be able to claim their Referrer's Reward if we reasonably suspect that the Referrer has used such services to invite New Users to use our Transfer Service, and we may also take any other action we reasonably deem appropriate, including immediate, temporary or permanent withdrawal of the Referrer's right to use our Transfer Service or closure of their Profile.
14. The decision of TransferLab in all matters is final and binding and no correspondence or discussion will be entered into.
Amount of Referrer's Reward
1. When creating a Profile, the New User has the option of indicating that it is an individual or a business. As previously stated, the New User will be asked to prove its identity, and we will use this process to verify that the New User is an individual or business, as applicable.
2. The amount of the Referrer's Reward paid to the Referrer varies depending on which of the options described in clause 3.1 is selected by the New User when creating a Profile and what evidence is provided. Where a New User selects the business option and provides satisfactory proof of identity, the Referrer's Reward will be £20. Where a New User selects the individual option and provides satisfactory proof of identity, the Referrer's Reward will be £10.
3. A Referrer can claim their Referrer's Reward in UK pounds or any of the Supported Currencies. If the Referrer selects one of the Supported Currencies, we will notify them of the amount of the selected Supported Currency that they would receive if we converted the amount of the Referrer's Reward at the rate shown on the Transfer Service on the day and time at which the Referrer makes the selection. This rate may fluctuate from time to time in accordance with fluctuations in international exchange rate markets.
4. Having been notified of the amount specified in clause 3.3, the Referrer may then decide to proceed with claiming their Referrer's Reward in the selected Supported Currency or can decide to claim it in UK pounds.
5. If the Referrer decides to proceed with claiming their Referrer's Reward in the selected Supported Currency:
  1. the Referrer agrees that we do not, and do not purport to, act as a fiduciary, agent or advisor in respect of the conversion, nor do we provide or perform a foreign currency exchange on the Referrer's behalf;
  2. the Referrer agrees that no information provided by or through TransferLab constitutes a recommendation or an invitation that the Referrer enters into, directly or indirectly, a particular foreign exchange transaction or a representation that any financial instrument or transaction is suitable for them; and
  3. the Referrer agrees that they will be liable for any reduction in the value of the Referrer's Reward caused by our conversion of the Referrer's Reward amount into the Supported Currency and the subsequent payment of the Referrer's Reward to the Referrer's account, which includes any fees or costs incurred in the process of the Referrer's Reward reaching the Referrer's account.
Claiming A Referrer's Reward
1. Subject to clause 2.4 – 2.14, once the New User has made a Qualifying Transfer in accordance with clause 2.2, the Referrer's Reward will become available. The Referrer can claim their Referrer's Reward by following the "Claim Your Reward" instructions on the email we will send the Referrer. The Referrer will need to submit their own bank account details in order that we may pay them the Referrer's Reward. Bank details can be added to the form on the "Invite" page on our Transfer Service, where the Referrer will see confirmation of a New User having made a Qualifying Transfer.
2. A Referrer must claim their Referrer's Reward within 30 days. We will inform them of their right to do so via email. If they do not claim their Referrer's Reward within this period, their right to receive it will expire.
Limitation of Liability
1. TransferLab reserves the right at any time to modify or discontinue, temporarily or permanently, the Reward Programme with or without prior notice due to reasons outside its control (including, without limitation, in the case of anticipated, suspected or actual fraud).
2. We may also modify or discontinue the Reward Programme on reasonable notice to the New User or Referrer, as applicable. If we discontinue the Reward Programme, we will:
  1. subject to clause 4.2, honour any Discount or Referrer's Reward for which a New User or Referrer became eligible prior to 11.59pm UK time on the last date of the Reward Programme; and
  2. inform the New User or Referrer of any right to claim a Discount or Referrer's Reward that had accrued to that New User or Referrer as at 11.59pm UK time on the last date of the Reward Programme if the New User or Referrer has agreed to receive email communications and/or notifications from us.
3. TransferLab accepts no responsibility for any loss or damage incurred or suffered by a New User or Referrer as a result of participating in the Reward Programme or accepting or using a Discount or Referrer's Reward, including (but not limited to) any loss resulting from the following:
  1. any postponement or cancellation of the Reward Programme, or any delay in informing a New User or Referrer of their right to claim a Discount or Referrer's Reward;
  2. any alteration, unauthorised access, damage, late delivery or non-delivery of any notices, acceptances, requests or other documents related to the Reward Programme;
  3. any damage to a New User's, Referrer's or any other person's computer relating to or resulting from participation in the Reward Programme or downloading any materials in connection with the Reward Programme; or
  4. any act or default of any third-party supplier.
4. Nothing in these Reward Terms shall exclude the liability of TransferLab for death, personal injury, fraud or fraudulent misrepresentation as a result of its negligence, or any other matter for which the law does not allow us to exclude or limit our liability.
5. All taxes and other administrative expenses arising in respect of the Referrer's Reward are the responsibility of the Referrer.
personal details
1. Please see our Privacy Policy for more information about how we handle users' information. A copy of the Privacy Policy is available on the Website at www.transferlab.io/privacy-policy or on request by email to support@transferlab.io.
General
1. If any provision of these Reward Terms is judged to be illegal or unenforceable, this will not affect the continuation in full force and effect of the remainder of the provisions.
2. If a party to these Reward Terms has any questions about the Reward Programme, that party is invited to email us at support@TransferLab.io with "Reward Programme" in the subject line.
3. The Reward Programme will be governed by Northern Irish law and participants submit to the exclusive jurisdiction of the Northern Irish courts.
4. TransferLab reserves the right to refuse to provide the Discount or pay the Referrer's Reward at its discretion.
5. TransferLab reserves the right to amend or withdraw the Discount or Referrer's Reward at its absolute discretion.
6. TransferLab reserves the right to terminate the Reward Programme at any time, without notice.
7. TransferLab reserves the right to change these Reward Terms at any time.

TransferLab Ireland Transfer Service Terms

TERMS AND CONDITIONS FOR USE OF THE TRANSFERLAB MONEY TRANSFER SERVICE

About This Agreement
1. This agreement sets out the terms and conditions on which we provide to you the TransferLab money transfer service (the “Transfer Service”).
2. 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.
3. Please read these terms and conditions carefully before you start to use the Transfer Service. 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 Transfer Service to you, how this agreement may be changed or ended, what to do if there is a problem, and other important information.
4. Your use of the Transfer Service confirms your acceptance of these terms and conditions, which are available on our website at https://transferlab.io/roi-transfer-service-terms (the Website). Your use of the Transfer Service is subject to your continued compliance with these terms and conditions. If you do not agree with these terms, please do not use the Transfer Service.
5. If you don't understand any of these terms and conditions and want to talk to us about them, please contact us at support@transferlab.io.
About TransferLab
1. The Transfer Service is provided by Bureau Buttercrane Limited, trading as TransferLab Ireland (“we”, “us” or “TransferLab”), a company established in the Republic of Ireland with its registered office at Unit 10, Creative Spark, Clontygora Court, Dundalk, County Louth, A91 HF77 (company number 604979).
2. TransferLab is a payment institution authorised and regulated by the Central Bank of Ireland for the provision of payment services (reference number C182347). The Central Bank of Ireland can be contacted by post at New Wapping Street, North Wall Quay, Dublin 1, D01 F7X3, by phone on 0818 681 681, or by email at enquiries@centralbank.ie.
3. These terms and conditions apply only to money transfers initiated by a natural person or business in the Republic of Ireland (a “Sender”), using the following contact details:
  1. For money transfers initiated by telephone: +353 42 604 2000 (the Telephone Number).
  2. For money transfers initiated by email: support@transferlab.io (the Email Address).
The TransferLab Service
1. The Transfer Service allows a Sender to initiate a transfer of money as a single payment transaction (a “Transfer”) via the Telephone Number or Email Address to a natural person or business outside the Republic of Ireland and designated by the Sender (the “Recipient”). The Recipient will receive the Transfer into a bank account designated by the Sender.
2. The Recipient may only be located in one of the countries in which we operate (the "Supported Countries"), and the Transfer may only be made into one of the currencies designated by us (the "Supported Currencies"). A list of the Supported Countries and Supported Currencies may be found at www.transferlab.io. TransferLab reserves the right to cease providing the Transfer Service in relation to any of the Supported Countries or Supported Currencies at any time and without any notice to you.
3. The Transfer Service is only available to persons aged 18 years and over. We may ask you at any time to show proof of your age.
4. You confirm that you have authority to bind any business or entity on whose behalf you seek to use the Transfer Service, and that such a business or entity accepts these terms in full.
5. The Transfer Service may only be used to make a Transfer to a Recipient that is able to enter into legally binding contracts under applicable law, including local law in the jurisdiction in which the Recipient lives.
6. The Transfer Service may not be used for any unlawful purpose, which includes, without limitation:
  1. a transfer or receipt of money for the purpose of funding illegal activity;
  2. a transfer of money which constitutes money laundering or terrorist financing under applicable law, or which has been obtained by illegal activity; and
  3. a transfer of money for the purpose of avoiding the seizure of such money by law enforcement authorities or under an order of any court of law, or for the purpose of tax evasion.
Transfer Requests
1. In order to use the Transfer Service, the Sender will be required to provide certain personal information, in accordance with clause 10 of these terms and conditions, before making a request for a Transfer (a "Transfer Request").
2. When you submit a Transfer Request, you are requesting that we process the Transfer on your behalf and consenting to the execution of the Transfer. We are not obliged to process any particular Transfer. Your Transfer Request is an offer which we may accept or reject at our sole discretion.
3. Prior to a Transfer Request being submitted by the Sender, we will make available the following information depending on the information provided by the Sender:
  1. the amount to be sent by the Sender (the “Send Amount”)
  2. the fee that we will charge the Sender for the Transfer and any other fees or charges (the "Fees");
  3. an estimate of the exchange rate that will apply to a Transfer;
  4. the estimated amount the Recipient will receive after the exchange rate is applied and the Fees are deducted; and
  5. the latest time by which the funds will be made available to the Recipient.
4. Together, the Send Amount and the Fees will be known as the Transaction Amount.
5. We may, at our sole discretion, impose a limit on the Transaction Amount.
6. In order to complete the submission of a Transfer Request via the Telephone Number or the Email Address, the Sender shall:
  1. confirm the acceptance of these terms and conditions;
  2. provide its consent to the execution of the Transfer; and
  3. confirm that the information submitted to TransferLab is true and accurate in all respects. In certain cases, we may require additional information from the Sender including, but not limited to, further background information relating to a Transfer, and we will either contact the Sender directly or ask the Sender to contact us to obtain the additional information before a Transfer can be successfully completed.
7. A Transfer Request will be accepted, and a binding contract entered into, once we send an e-mail to the Sender containing the following information:
  1. a unique Transfer identification number, enabling the Sender and Recipient to identify the Transfer (the "Transfer ID Number");
  2. a confirmation of the Send Amount;
  3. a confirmation of the Fees;
  4. a confirmation of the exchange rate applied to the Transfer;
  5. a confirmation of the amount remaining after application of the exchange rate and deduction of the Fees (the "Receive Amount"); and
  6. the date the Transfer Request was received.
8. If you provide incorrect information with your Transfer Request, such that the Transfer is sent to a person or entity other than the Recipient, we will use reasonable efforts to recover the funds for you. We may charge you a fee to do this. However, it may not be possible to recover the funds, and TransferLab will not be liable for any loss you may suffer as a result.
Payment
1. To make a Transfer Request, you will need to provide payment instructions through the Transfer Service. This will include but is not limited to the Recipient's full name, address, account number and Bank Identifier Code ("SWIFT" or "BIC"), any reference, and the Send Amount.
2. It is solely your responsibility to make sure all the Transfer details are accurate before submission.
3. Providing inaccurate details can cause delays in processing your Transfer or can lead to your Transfer being cancelled. Once a Transfer has been submitted for processing, TransferLab may, at their sole discretion, attempt to cancel a Transfer at your request, but cannot guarantee success in such efforts if a Transfer has been duly authorised and submitted.
4. The exact value of the money received by the Recipient may differ from the Receive Amount due to additional fees applied by the Recipient's banks or other service providers.
5. Once you confirm that you would like to initiate a Transfer, we will generate the Transfer ID Number and provide you with funding instructions, including our bank account details, or request you to provide your card details (if that is the payment method you have chosen), so that you can deposit the Transaction Amount.
6. Once your Transfer has been accepted and the Transaction Amount has been received by TransferLab, we will aim to pay the Receive Amount onto the Recipient bank account in the Supported Currency requested within the specified delivery time.
7. We will not contact the Recipient when funds become available on the Recipient's account.
8. We will attempt to process Transfers promptly, but any Transfer may be delayed or cancelled for a number of reasons, including but not limited to the need:
  1. to verify your identity;
  2. to validate your Transfer Request;
  3. to contact you;
  4. to otherwise comply with applicable law;
  5. to manage international variations in business hours and currency availability; or
  6. to meet additional legal requirements or/and operating procedures and business guidelines that our partners have in place.
9. Delivery times quoted on the Website or in these Terms and Conditions ("Delivery Times") are representative of the normal or average service delivery time to a Recipient, and are not a guarantee of an individual Service or Transfer time. For the most up to date list of Delivery Times, please contact support@transferlab.io
10. Banks have specified cut-off times for the receipt and dispatch of electronic payments. You acknowledge and agree that TransferLab cannot be held liable for any delay in onward payment attributable to the late arrival of your funds or instruction for payment, related to the cut-off times imposed by our banking partners for the receipt and dispatch of electronic payments (the "Cut-Off Times"). For the most up to date list of Cut-Off Times, please contact support@transferlab.io
11. Once we have received your Transfer Request, we will send you an email containing the details of the Transfer. Each Transfer is given a Transfer ID Number which you can find there. You should quote this number when communicating with us about a particular Transfer.
12. We will only process your Transfer Request if we have received sufficient cleared funds from you into our TransferLab bank account. It is your responsibility to fund your Transfer in a timely manner. We cannot be responsible for the time it takes for the money to be sent to us by your bank or payment service provider.
13. You must make sure that the information you provide when making a Transfer Request is correct and complete. If we have processed your order in accordance with the information you have provided to us it will be considered correctly completed, even if you have made a mistake.
14. If an incorrect amount is transferred by TransferLab (e.g. double payment, overpayment), the Recipient is obliged to refund the funds back to TransferLab. TransferLab reserves the right to take legal action if the Recipient should refuse to refund the surplus funds.
Payment Methods
1. A Transfer will be funded by the Sender through a debit card, bank transfer, Open Banking payment, or other payment method offered by TransferLab (the "Payment Methods").
2. The Payment Methods made available to you will depend on a number of factors, including your verification status with us. The Payment Methods are not part of the Transfer Service, they are services provided by third parties; for example, the card provider that issued you with your credit/debit card. We cannot guarantee the use of any particular Payment Method and may change or stop offering you the option to use a Payment Method at any time without notice to you.
3. Where relevant, you authorise us to debit your chosen Payment Method with the Transaction Amount. You represent and warrant that you are the lawful owner of the Payment Method and that the details you supply to us are accurate.
4. If your payment fails or is insufficient, you authorise us to re-try one or more times to debit your selected Payment Method.
5. Both you and the Recipient will only act on your own behalf. You may not submit a Transfer Request or receive a Transfer on behalf of a third person.
6. If you selected a Payment Method which gives you chargeback rights (for example in relation to your debit card, you may ask your card provider to reverse a transaction on your card), you promise that you will only exercise this chargeback right if we have breached this agreement. You promise that you will not exercise your chargeback right for reasons for which we are not responsible, including where a dispute arises with the Recipient or if there are insufficient funds in your payment instrument. If we need to investigate or take any actions in connection with a chargeback raised by you, we may charge you for our costs in doing so.
7. TransferLab will have no responsibility for any fees or charges you may incur by the use of a particular Payment Method to fund a Transfer. These may include but are not limited to unauthorised overdraft fees imposed by banks (if there are insufficient funds in your bank account), cash advance fees, or additional interest which may be imposed by card providers.
8. You may authorise third parties to provide their services to you, including authorising them to initiate payments from your bank account using Open Banking. You acknowledge that if you authorise a third party to access your bank account, we may disclose certain information about you to this third party. We are not responsible for any such third party's use of your bank account or any information in your bank account. Granting permission to a third party does not relieve you of your responsibilities under this agreement, including notifying us if a Transfer Request is incorrect or unauthorised.
Exchange Rates
1. The foreign exchange conversion rate shown during the provision of the Transfer Service is the rate applicable for a currency conversion transaction done on that particular day and time.
2. The exchange rate specified during the provision of the Transfer Service may fluctuate from time to time in accordance with fluctuations in international exchange rate markets.
3. The Transaction Amount that you will be required to pay and the relevant exchange rate will be provided to you clearly by email before you are asked to confirm your Transfer and proceeding with the Transfer at this point is entirely optional.
4. We offer automatic guaranteed rates on all Transfer Requests. We will notify you of the period of time for which any given rate is guaranteed (the "Guaranteed Period") when you create your Transfer Request. This Guaranteed Period is subject to the conditions set out below.
  1. The Guaranteed Period may be extended if your Transfer Request is created over the weekend or public holiday.
  2. We must receive sufficient funds from you during the Guaranteed Period in order to convert your money at the guaranteed rate. For certain payment methods, we will consider your funds received once we know you have authorised the payment. We can confirm when we have received your money upon request.
  3. If we receive your funds after the Guaranteed Period, we will not be able to convert your money using the guaranteed rate. We may offer to convert your money at the prevailing exchange rate at the time we receive your money and if we do so, we will email you and ask you if you want to proceed with your Transfer.
  4. If the relevant exchange rate (as provided by our reference exchange rate provider) changes by 5% or more during the Guaranteed Period, we can, at our discretion, suspend your Transfer for a reasonable period of time or cancel your Transfer and refund the money to you.
  5. Please note that we are not a currency trading platform; accordingly, you should not use the Transfer Service for this purpose (including creating multiple Transfers without the intention of completing all the Transfers). If we detect that you are using the Transfer Service for this purpose, we may, at our option, decline to provide the Transfer Service to you in future.
  6. We may change or suspend these guaranteed rate conditions at any time.
Other Fees, Charges and Interest
1. If you submit a Transfer Request that results in TransferLab becoming liable for fees or charges, such as chargeback or other fees, you agree to reimburse us for all such fees.
2. TransferLab is not responsible for any charges applied by the Recipient's bank resulting from the receipt of funds into the Recipient's bank account. You should contact the Recipient's bank directly for details about any such charges that may be applicable to the Transfer.
3. On certain occasions intermediary bank fees may be applicable. In such cases TransferLab may refuse to cover the fees.
4. You will not be entitled to any interest for the period during which the funds to be remitted are held by a bank pending remittance, in the course of remittance, or for any other period.
5. In the event you are liable for any amounts owed to us, we reserve the right to collect your debt to us and you agree to reimburse us for this debt. We may recover amounts you owe us through legal means, including, without limitation, through the use of a debt collection agency.
Cancellation and Refund
1. You can cancel your agreement with us after you have submitted a Transfer Request. This right of cancellation continues until 14 days after you have submitted the Transfer Request, or until we have completed the contract by transferring the Receive Amount into the Recipient's bank account, whichever occurs earlier.
2. If you exercise your right to cancel under the above term, we may apply a cancellation fee. If you wish to cancel a Transfer and/or request a refund, you can send us an email to support@transferlab.io, or contact us by post using the address provided at the start of this agreement.
3. We will consider your request for a refund if we are able to identify you as the sender.
4. For us to identify you, you must contact us from your registered email or postal address, and provide your full name, address, and phone number, together with the Transfer ID Number, Transaction Amount, and the reason for your refund request. Any refunds will be credited back to the same Payment Method used to fund the Transfer and in the same currency unless we cannot identify Sender's bank account.
5. If we cannot identify Sender's bank account, we will contact the Sender asking to provide same currency bank account details to refund the Transfer.
6. For successful revocations, TransferLab will normally refund your money to the same Payment Method used to fund the Transfer and in the same currency, less any reasonable revocation, recall or tracing charges and any Fees already charged. No adjustment will be made for any currency fluctuations which may have occurred in the meanwhile. If we do provide you a refund, we will only refund the Send Amount if the Receive Amount was not paid out to the Recipient (in which case we will also cancel your pending Transfer).
7. In circumstances when the payment has already been credited to Recipient's bank account, and a Sender requires a recall of the funds, they may do so. However TransferLab cannot guarantee cancellation will be successful.
8. In those circumstances we will make reasonable efforts to recover the funds. We may charge you a reasonable fee to do so. However, there is no guarantee that the cancellation will be successful.
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 Criminal Justice (Money Laundering and Terrorist Financing) Act 2010, as amended by the Criminal Justice (Money Laundering and Terrorist Financing) Amendment Act 2021, and any other applicable laws of the Republic of Ireland 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 Transfer Service:
  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 Regulation (EU) 2016/679 (the "General Data Protection Regulation") and the Data Protection Act 2018.
7. The Sender consents to the collection, use, disclosure and transfer (including cross-border transfer) of its personal information, as described in our Privacy Notice, which is available on the Website at www.transferlab.io/roi-privacy-notice or on request by email to support@transferlab.io.
8. These terms and conditions further incorporate our Cookie Policy, which is available on the Website at www.transferlab.io/cookie-policy or on request by email to support@transferlab.io.
9. We may be required by law to provide information about you and your use of the Transfer Service to governmental or other competent authorities, as described in our Privacy Notice. You acknowledge and consent to us doing this.
Customer Service and Complaints
1. TransferLab 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 support@transferlab.io.
2. In the event that a Sender is dissatisfied with the Transfer Service, or believes that a Transfer has not been correctly executed, the Sender should inform us as soon as possible in writing by email at support@transferlab.io.
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.
4. In exceptional circumstances, we will send you a holding reply within 15 business days specifying the deadline by which you will receive our final response, being no later than 35 business days from the date of the initial complaint.
5. If the Sender is unhappy with our final response, the Sender has the right to refer the complaint to the Financial Services and Pensions Ombudsman, free of charge – but must do so within six months of the date of our final response. The Sender may:
  1. Write to the Financial Services and Pensions Ombudsman, Lincoln House, Lincoln Place, Dublin 2, D02 VH29.
  2. Phone 01 567 7000.
  3. Email info@fspo.ie.
6. Further information can be found at www.fspo.ie.
Governing Law and Jurisdiction
1. These terms and conditions are governed by Irish law and subject to the exclusive jurisdiction of the Irish courts.