Dated: 1st July 2020

1. How to read this Agreement

Some capitalised terms have specific definitions in section 3. Underlined words in this Agreement contain hyperlinks to further information.

For "send money" transactions, this Agreement applies individually to each transaction and is not a Framework Contract.

2. Why you should read this Agreement

2.1 What this Agreement covers. These are the terms and conditions on which we provide our Services to you.

2.2 Why you should read them. Please read this Agreement carefully before you start to use our Services. This Agreement (always together with the documents referred to in it) tells you who we are, how we will provide the Services to you, how this Agreement may be changed or ended, what to do if there is a problem and other important information. If you think that there is a mistake in this Agreement or require any changes, please contact us to discuss.

2.3 Other additional documents which apply to you. This Agreement refers to the following additional documents, which also apply to your use of our Services:

(a) Our Privacy Policy, which sets out the terms on which we process any personal data we collect about you, or that you provide to us. By using our Services, you consent to such processing and you promise that all data provided by you is accurate.

(b) Our Cookie Policy, which sets out information about the “cookies” on our Website.

(c) Our Acceptable Use Policy, which sets out the permitted uses and prohibited uses of our Services.

(d) Our Frequently Asked Questions ("FAQ") which provides answers to common customer questions.

(e) In order to receive some of our Services, you may be asked to agree to additional terms and conditions (including those referred to in section 29) which we will notify you about at the relevant time.

2.4 Additional documents. For clarity, the additional documents and the parts of this Agreement which incorporate the additional documents are not Framework Contracts.

2.5 You accept this Agreement. By visiting our Website and/or using our Services (including downloading and using our App, or via the API, a social media platform or other authorised third party), you confirm that you accept and agree to this Agreement (including the Customer Updates and the additional documents referred to above). If you do not agree, please do not use our Services.

2.6 Where to get a copy of this Agreement. You can always see the most current version of this Agreement on our Website. If you want a paper copy of this Agreement, please contact [email protected].

3. Glossary

In this Agreement:

API means the application programming interface provided by Transak.

App means the Transak responsive web widget, the data supplied with the software and the associated media.