Legal Information

Who We Are

Currency Xtra Limited. Registered Office: 3 Eden Street, Enniskillen, Co. Fermanagh, BT74 7EG. Registered in United Kingdom under number NI070680.

You can also contact us at: info@currency-xtra.com

Use of the Website

This website, www.currency-xtra.com (“Website”), is operated by Currency Xtra Limited (“Currency Xtra” or “us” or “our”). Access is provided only in accordance with our Online Terms and Conditions. Please read the following Online Terms and Conditions carefully before you start to use the Website. By using the Website, you indicate that you accept the Online Terms and Conditions and that you agree to abide by them. If you do not agree to the Online Terms and Conditions, please refrain from using the Website.

Web Content and Materials

The information, materials and services contained in the Website are subject to change from time to time without notice. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final Currency Xtra determination and acceptance. Currency Xtra may discontinue or make changes to the information, products or services described herein at any time. Any dated information is published as of its date only, and Currency Xtra does not undertake any obligation or responsibility to update or amend any such information. Furthermore, by offering information, products or services via the Website, no solicitation is made by Currency Xtra to any person to use such information, products or services in jurisdictions where the provision of such information, products or services is prohibited by law.

Termination

Currency Xtra may terminate your access and use of any part of the Website at any time without notice if you are in breach of any of the terms of these Online Terms and Conditions or for any other reason. Currency Xtra reserves the right to cease operating the Website at any time without notice.

Contact

If you have any concerns about material which appears on the Website, please contact info@currency-xtra.com.

Purchase of Travel Money

This internet ordering service (the “Service”) is provided by Currency Xtra Limited.

These Online Terms and Conditions apply to the Service, which consists of an online ordering facility for foreign currency banknotes, and/or bank transfers.

Use of the Service

The Service is only available to individuals aged 18 years or over, and who are resident in and accessing the Service from the United Kingdom. By ordering Travel Money from us, you confirm that you have read and understood the Online Terms and Conditions and agree to be bound by them and to comply with all applicable laws and regulations.

The Service is only available for the currencies listed from time to time on the online ordering screen. Orders for collection are subject to a maximum value of £4,999.99 per person per day. There is no minimum order value for orders for collection. Currency availability may also be subject to further monetary limits, currency exchange restrictions and to customers complying with all applicable laws and regulations, including those relating to anti-money laundering regulations. Frequent flyer points are not awarded in conjunction with use of this Service.

Orders for Collection
If you choose to place an order for collection, you can order up to 10 days in advance of the collection date. You can also order Euros and US Dollars on the day of collection, provided that we receive and subsequently confirm your order at least 4 hours prior to collection. All other currencies will be available for collection after 3 working days*, provided we receive and subsequently confirm your order by 2.00 p.m.

* Please note when ordering that Saturdays and Sundays, together with Bank/Public Holidays, are not working days.

All Orders
To place an order, follow the instructions on the ordering screen. Once you have entered the ordering screen you must complete your order within 10 minutes otherwise your session may time out and you will have to restart the order process. You are able to correct errors on your order up to the point at which you click on “Buy My Currency Now” on the payment details screen. You will be required to pay for the Travel Money at the time of ordering by credit or debit card. The exchange rates we quote are subject to change. We will use the exchange rate (as set by us) that appears on the ordering screen at the time we receive your order. You must provide the requested information for us to process your order. We reserve the right to request further information from you at any time to enable us to complete your order and/or to comply with regulatory requirements. We will use various procedures to authenticate each transaction and may, at any time, decline to process your order or any part of your order for any reason. By placing an order, you confirm that the details contained in the order are correct in all respects. The system will display a confirmation screen setting out the details of your order. This confirms receipt of your order. A contract between you and us is only formed when we send you a confirmation email that your credit or debit card payment has been accepted. Please print a copy of the confirmation screen for your records and print or store the confirmation email in a safe place, as it will be the only record of your transaction.

Please note: if you fail to collect your order within 72 hours of the collection time then your order will be marked as non-collected and your order will be cancelled.

Collecting Your Travel Money

If you choose to place an order for collection, orders can be collected, by the card holder only, from your nominated Currency Xtra office, as listed on the ordering screen. Collection is subject to the opening times of the collection location. Details for the opening times of the collection location will be notified to you at the time of the order and can be obtained on the Website. Please remember to allow sufficient time to make your collection before departing on your travels.

At the time of collection the cardholder will need to produce the card used to make the purchase plus either a valid passport, UK Photographic Driving Licence or EU ID card for identification purposes. Depending on your order, Currency Xtra reserves the right to ask for further information and identification (such as proof of residential address) in accordance with its anti-money laundering policies. The name on the card used to make the purchase must match that on the identification document(s) used. In order to enable us to comply with our anti-money laundering and other legal obligations, and internal risk and fraud policies, Currency Xtra reserves the right to take a copy of your identification document(s) and the card used to make the purchase, at the time of collection.

Your Right to Cancel

Orders for Collection

If you placed an order for collection by you, this order can be cancelled at any time prior to collection by calling us on 02866 327084 (Monday to Friday 9.00 a.m. – 5.30 p.m., Saturday 9.00 a.m. – 4.00 p.m.) or by email on info@currency-xtra.com

Cancelled orders will be refunded with the full Sterling amount that you paid for your Travel Money order less a £10 late cancellation fee if you cancel your order less than 24 hours in advance of the collection time.

If you have placed an order for collection and you fail to collect your order within 72 hours of the collection time then your order will be marked as non-collected and will be treated in the same way as a cancellation made less than 24 hours in advance of the collection time.

All Orders

Currency Xtra will process cancelled or non-collected orders expeditiously and will organise refunds. Refunds may take from 2 to 5 days. Please note that Currency Xtra does not refund cash advance charges made by your card issuer and that any late cancellation fee may also be subject to a cash advance fee from your card issuer.

The provisions of this cancellation clause do not affect your statutory rights.

Corrections and Complaints

If you need to make any changes to your order after you have clicked “Buy My Currency Now” on the payment details screen, or have any comments or complaints please contact us via one of the following methods: by emailing us at info@currency-xtra.com; or by telephoning us on 02866 327084; or by writing to us at Currency Xtra Ltd, 3 Eden Street, Enniskillen, Co. Fermanagh, N. Ireland BT74 7EG.

Charges

Foreign currency banknotes are sold commission free. The total sum payable by you (except for any charges levied by your credit or debit card issuer) will be shown on the ordering screen. You can pay for orders with most major credit or debit cards issued in the United Kingdom registered in your name and with sufficient funds available to cover your order and any applicable fees.

You will not be charged a card handling fee if you choose to pay by Maestro, MasterCard® Debit Card or Visa Debit Card. If you wish to pay by MasterCard Credit Card or Visa Credit Card, a handling fee of 2% of the order value will be applied. This will be shown within your order summary as a “Credit Card handling fee”. Please note: your card issuer may apply an additional charge when using your credit card. Any additional charge will not appear on your order total but will appear on your card statement.

Third Party Rights

When you place an order for Travel Money we are entering a contract with you personally. Nothing in these terms will confer any benefit on any third party or any right to enforce these terms.

Personal Information and Payment Security

Please click on this link Privacy Policy to find out how we use your personal information. By using the Website, you consent to such use and warrant that all information provided by you is accurate.

We use secure server software to make our internet transactions secure.

All credit and debit card holders are subject to validation checks and authorisation by the card issuer. If the issuer of your payment card refuses to authorise payment your order will not be accepted.

3D Secure is a payment verification protocol used by major card issuers, branded as ‘MasterCard Secure Code’ and ‘Verified by Visa’ to prevent credit card fraud. Depending on the card issuer, 3D Secure is an opt-out option or a required service for using the card to make internet purchases. Cards registered with 3D Secure require the user to enter a Personal Identification Number (PIN) code or password. This PIN code is not the same PIN code issued with the card.

3D Secure verifies the card details provided by you. The system is completely automated and we do not store or process any of the data provided by the 3D Secure system.

Limiting Our Liability

All content and services on or available through the Website are provided on an “as is” basis and Currency Xtra does not make any representation or give any warranty in respect of the Website or its content. In particular, Currency Xtra does not give any warranty as to the accuracy, suitability, reliability, completeness, performance, fitness, freedom from viruses or timeliness of the content or services contained on the Website. Moreover, but without limiting the exclusion, the information services on the Website are intended for use by holiday or business travellers or by individuals or companies seeking to make payments abroad in foreign currencies, and should not be used for speculation or investment. These information services and other content of the Website are not intended to amount to advice on which reliance should be placed. We accept no responsibility or liability arising from any reliance placed on such services by any visitor to the Website or by anyone who may be informed of any of its contents. In addition, we give no assurances that you will receive the services for which you register.

We use reasonable care and skill in providing the Service. However, we shall not be liable to you for the following:

1. any failure by you to provide us with correct information when you place your order;
2. any failure on the part of Royal Mail or any other carrier we use to send your order to deliver your order on time;
3. if we are unable to perform any of our obligations to you due to failure of any technical systems or for any other reasons beyond our reasonable control including, amongst other things, war, terrorism, government action, natural disaster, and industrial dispute;
4. any damage to your computer equipment as a result of using the Website or the Service;
5. any loss of information or unauthorised use of data arising as a result of you using encryption systems below our recommended level; or
6. any indirect, or consequential losses, claims or damages suffered by you or incurred from your use or delay or inability to use the Website or the Service however caused.

Our maximum liability to you in respect of each use of the Service for a Travel Money order shall be to refund the purchase price of that Travel Money order. The disclaimers and limitations of liability in these Online Terms and Conditions shall not apply to any damages arising from death or personal injury caused by the negligence of Travelex or any of its employees or agents or for fraud. If any provisions of these Online Terms and Conditions including any disclaimers and limitations is found to be unlawful or unenforceable then such provisions shall fall away and shall not affect the validity and enforceability of the remaining terms. This does not affect your statutory rights.

Alteration of Terms

We may, at any time, with immediate effect, in respect of future orders, change, suspend or withdraw the Website, the Service and these Online Terms and Conditions without notice and without liability to you. If we revise these terms, we will post the revised version on the Website. You are expected to check our Online Terms and Conditions from time to time to take notice of any changes we make, as they are binding on you. By using the Website or the Service or by placing orders after we have changed these terms, you will be accepting the changes.

These Online Terms and Conditions were last updated on 07 October 2014.

Law and Jurisdiction

Our relationship shall be governed and interpreted in accordance with Northern Ireland Law. Any dispute, which cannot be resolved between us, shall be resolved in Northern Ireland courts.