These terms and conditions oversee the terms under which you may access and use the website (thus for the resolution of these Terms and Conditions “website” will include our App (where pertinent) and the services related with it (together, the "Service"). By accessing, registering with and using the Service, you approve to be bound by the terms of the Terms and Conditions. If you do not wish to be bound by the Terms and Conditions do not access, register with or use the Service. If you are not sure about anything, just phone, fax or text us on 011 33200 607.
In extant these Terms and Conditions, the terms “we”, “us”, “our” refer to Supreme Money Transfer Ltd. and “you”, “your” refers to any individual who by any means accesses and/or uses the Service. These Terms and Conditions will apply to the use of the services (via our website and App) by you (the customer).We are SUPREME MONEY TRANSFER LIMITED authorised by the Financial Conduct Authority (FCA) under the Payment Service Regulations 2009 with registration number 670919, a company registered in England and Wales under registration number 09337029, whose registered office is at Malmarc House,116 Dewsbury Road, Leeds, West Yorkshire, LS11 6XD with email address: [email protected] ;telephone 01133200607 (the Supplier or us or we). These are the terms on which our services to you, goes bounding. Before placing transaction order on our Website, you will be asked to agree to these Terms and Conditions by clicking on the button marked ‘I accept; if you do not click the button, you will not be able to complete your transaction or order. You can only use the services from the website or mobile app if you are eligible to enter into a contract and are at least 18 years old.
In the extent Terms and Conditions, the underneath terms shall have the following meaning(s):
“Application” means a Supreme Money Transfer mobile phone “App” used for the sending of Payment Requests and or Transaction Applications.
“Compliance Officer” means one or more members of staff at Supreme Money Transfer Ltd who is responsible for compliance with Money Transfer Regulations, anti-money laundering legislation and other applicable laws;
‘Services” This comprises, but is not limited to all the money remittance and service or products that We offer at all times.
“Business Day” means any day on which we open for business execution of Transaction Requests and or Payment Applications.
“Fee/Charges” means the charges and fees we charge to you for the Service, as applicable to, and not limited to our service charge for Transactions, cash handling charges, bank charges, credit card charges, delivery charges, cancellation and refund charges, administration charges.
"Destination Country" means the country in which the Payee receives money through our service.
“Transaction” means every money transfer that you initiate using the Service. This is the execution of the instructions provided by the Customer, in person, by telephone, app or by any electronic means, for our services.
“Order Number” means the unique transaction number, which is issued to you as and which the recipient will be required to provide to our partners in order to receive the amount transferred.
“Payee” means someone who receives money through the Service.
“Payout Amount” means the amount paid out, after any foreign exchange conversion, to the Payee’s account exclusive of the Service Fee.
“Customer” means an individual seeking to use our services for a payment of fees.
“Durable Medium” means paper or email, or any other medium that allows information to be addressed personally to the recipient, enables the recipient to store the information in a way accessible for future reference for a period that is long enough for the purposes of the information, and allows the unchanged reproduction of the information stored.
"Transaction Request" means a specific instruction from a customer requesting us to send money or to a Payee through the Service.
"Recipient" means a Payee; or in the event that you are using the Service to send a Payment Request, the person who receives the Payment Request.
"Sender" means someone who uses the Service to send money through our service.
“Contract” means the legally-binding agreement between you and us for the supply of the services.
"Service Provider" means a local bank, or other third party service providers (e.g. mobile network operators) in the destination country with whom Supreme Money Transfer works to provide the Service.
“Money Transfer Regulations” means the appropriate laws of the United Kingdom or of the country from which monies are transferred or where monies are intended to be received which relate to electronic money transfer services.
“Malicious Code” means computer viruses, Trojan horses, software locks, drop-dead devices, malicious logic or trap door, worms, time bombs, corrupted files or other computer programme routines that are intended to delete, disable, deactivate, damage, detrimentally interfere with, surreptitiously intercept or expropriate any systems, data, personal information.
“Prohibited Purpose” means any unlawful purpose (whether such illegality arises in the country from which the funds are transferred or where they are intended to be received or in any territory with jurisdiction over the Sender or the Receiver) including, without limitation, the transfer or receipt of payment for illegal activities, the transfer of funds which constitute proceeds of crime or money laundering under the Proceeds of Crime Act 2002 or which are obtained by illegal activity, the transfer of funds for the purpose of funding illegal activity, the transfer of funds for the purpose of avoiding the seizure of such funds by law enforcement authorities or under orders of any court of law, and any transfer of funds without the permission of their owner
“Website” means our website www.suprememoney.co.uk on which the services are advertised.
This Agreement is between the Customer (hereinafter referred to as ‘Customer', ‘Client’, ‘You', ‘Your') and Supreme Money Transfer Ltd (hereinafter referred to as ‘Company', ‘Our', ‘Us', ‘We') of Malmarc House, 116 Dewsbury Road, Leeds, United Kingdom. LS11 6XD.
Our agreement with You is that, we will take reasonable care to provide the Services. Services provided by us may change from time to time. We are not obliged to process any particular Transaction. When you submit a Transaction Request, you are requesting that we process the Transaction on your behalf and consenting to the execution of the Transaction.
We may, in our sole discretion, choose whether or not to accept the offer to process that Transaction. If we decide not to process the Transaction, we will notify you promptly of that decision and repay to you the Transaction Amount received by us, provided that we are not prohibited by law from doing so. If we choose to proceed with the Transaction, we may still suspend or cancel it in our discretion.
Supreme Money Transfer reserves the right to modify or discontinue the Service or any part of the Service without notice, at any time and from time to time. We may, in our absolute discretion, refuse any Transaction Request or impose limits on the Transaction Amount.
We will process Transactions on time, but any Transaction may be delayed or cancelled for a number of reasons including but not limited to: our efforts to verify your identity; to validate your Transaction instructions; to contact you; or due to variations in business hours and currency availability; or otherwise to comply with applicable law.
In such events these Terms and Conditions will relate to all the Services provided by us. The Terms and Conditions set out herein apply to all Transactions executed by Supreme Money Transfer Ltd through any of the Services offered by Us. These Terms and Conditions may be amended from time to time without prior notification.
Supreme Money Transfer Ltd is free to use service(s)of intermediary banks/financial service institutions/other money service businesses in any country of its choice for execution of a Transaction. By using these Services, you hereby confirm the following:
You are 18 years or older, on the date of the transaction
You are resident in the UK
You have read and understood these terms and conditions and agree to comply with them
You also warrant that all the information provided by you, and accurate in all respects
You will not withhold any material information from Us or seek to mislead Us
You will comply with all Anti-Money Laundering regulations
The Transaction is for genuine purposes only and is not in contravention of any laws
You also agree to provide Us with any other information and to co-operate fully with Us in the event of fraud or any other investigation
For each transaction request that you submit, you will pay us the Service Fee in addition to the transaction amount. Payment becomes due at the time that you submit your transaction request. To the maximum extent permitted by law, the Service Fee is non-refundable unless expressly stated in these Terms and Conditions. If you submit a transaction request that results in Supreme Money Transfer becoming liable for charges including but not limited to chargeback or other fees, you agree to reimburse us for all such fees
You will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Service or any Instruction being conducted through the Service
In connection with your registration and use of the Service, you will:
provide us with true, accurate, current and complete evidence of your identity, and promptly update your personal information if and when it changes;
provide us with any identity documentations as may be requested by us;
provide us with true, accurate, current and complete information as we indicate on the website is required to receive the Service and any other information which may be required in relation to the Recipient;
When you are using the Service under these Terms and Conditions, it is your responsibility to make sure all the details are accurate before submission. Once a Transaction Request has been received it is not normally possible to change any details of that Transaction Request. You will be given the opportunity to confirm Transaction Requests before submission and you must check the details carefully.
The total amount (the Transaction Amount, Service Fee and other applicable fees and charges) that you will be required to pay and the relevant exchange rate will be displayed clearly on the website before you are asked to confirm your Transaction and proceeding with the Transaction at this point is entirely optional.
When you pay a Transaction Amount in one currency and the Payout Amount is in another currency, there will be a difference between the exchange rate at which we buy foreign currency and the exchange rate provided to you. Supreme Money Transfer and its Service Providers usually make a small profit in these circumstances. We guarantee you the Payout Amount in local currency. The margin taken on foreign currency exchange covers our risk in guaranteeing this. If a Payee’s account is denominated in a currency other than the currency you instructed us to make payment in there, may result delays, additional charges or different exchange rates. The Sender is therefore responsible for ensuring that the currency requested for the Transaction matches the currency of the account where the funds are to be delivered.
In using our Service, you will comply with these Terms and Conditions as well as any applicable laws, rules or regulations. It is a breach of these Terms and Conditions, to use the Service to send Transaction Amounts:
to a Payee who has violated the Terms and Conditions, or
in connection with illegal activity including but not limited to money-laundering, fraud and the funding of terrorist organizations. If Supreme Money Transfer reasonably believes you are using our Service, in connection with illegal activity or for any fraudulent purpose, or are permitting a third party to do so, Supreme Money Transfer will report you to the appropriate legal authorities.
Collection of information
Customer Identification Program. English law requires all financial institutions to assist in the fight against money laundering activities and the funding of terrorism by obtaining, verifying, and recording identifying information about all customers. We may therefore require you to supply us with personal identifying information relating to you and the Recipient and we may also legally consult other sources to obtain information about you and the Recipient.
Verification and Checks. We will verify your residential address and personal details in order to confirm your identity. We may also pass your personal information to a credit reference agency, which may keep a record of that information. Be assured that this is done only to confirm your identity, and that we do not perform credit checks and therefore your credit rating will be unaffected. We may also need to verify the identity of a Recipient in the same way. All information provided by you will be treated securely and strictly in accordance with the Data Protection Act 1998. By accepting these Terms and Conditions you authorise us to make any inquiries we consider necessary to validate the information that you provide to us. We may do this directly, for example by asking you for additional information, or requiring you to take steps to confirm ownership of your Payment Instruments or email address; or indirectly, for example by verifying your information against third party databases or through other sources.
Supreme Money Transfer may, as necessary in providing the Service, store all information required of a Recipient to prove his or her identity or associated with their specific Instruction. Such proofs may include a suitable form of valid, unexpired identification from a list of acceptable papers provided by the Service Provider, and/or a transaction tracking number, a personal identification number (PIN), a "password", a "secret word", or other similar identifiers.
Personal Information and Registration
Executions of Transactions
We may, in our sole discretion, refuse any Transaction or limit the amount to be transferred. The limits imposed are done at our sole discretion and may be changed from time to time. We may also refuse to process a Transaction or We may stop a Transaction from being completed if We believe that:
By doing so We might break any law, regulation, code or other duty and responsibility that applies to Us;
By doing so it may expose Us to action from any government or regulator;
It may be linked with fraudulent or illegal activity; or
You are in breach of these Terms and Conditions.
Unless the law prevents Us, we may (at our sole discretion) inform the Customer reasons for Our refusal and how the Customer can rectify any errors in the instructions given.
We have no obligation to You to initiate or perform a Transaction if:
We are unable to obtain satisfactory evidence of your identity;
We have reason to believe that the details provided by You is incomplete, incorrect, unauthorised or forged;
We fail to obtain payment for the Transaction from You; and
We do not accept any liability for damages resulting from non-payment or delay of a Transaction or failure to perform a Transaction by reason of any of these matters.
The exchange rate quoted by Supreme Money Transfer Ltd through any means (including but not limited to telephone, email, website etc.) is an indicative rate only and is subject to change as per market fluctuations. Accordingly, the rate which applies to the Transaction will be the prevailing rate at the time of processing the Transaction.
Fees/charges shall be charged from the Customer for each Transaction. Fees/charges may vary depending on transaction type or promotional offers. Fees/charges may change from time to time and without advance notice. You will be notified of Fees/charges prior to each Transaction. Details of the Fees/charges can also be found on the Transaction receipt issued to You and on the company’s website. If You opt to pay by Credit card, charges will apply (Note, we currently don’t accept any card payment).
Using Our Service
We act only as a money transmitter and accept no responsibility or liability arising from Transactions between the sender and any third parties. (In particular We accept no responsibility or liability for any goods or services including quality and delivery of them, which are paid for by money transfer). You are cautioned in sending money to any person whom You do not know.
If You want the Transaction to be dispatched on the same day, you need to submit the details and make payments during the Transaction. Transactions that are received after the cut off time (after 4pm – 8am) will be processed on the same day but released along with the following business day's Transactions. In order to receive money, the reference number and identification will have to be provided for certain types of Transactions. Please ask Our staff in any of Our branches for further details. The Customer should not disclose the reference number, value of transfer or other information about the transfer to any other person other than the intended recipient.
In case of bank transfer, we will transfer the money to the beneficiary's bank account specified by the Customer in the form, electronically, by telephone or email. If the account is in the EEA, the bank holding the account will receive the money within four working days (Monday to Friday, excluding bank holidays) from the date of processing the transfer. Banking practice may vary if it is outside the EEA and for more information on when the payment will be credited to such an account; the Customer needs to contact the recipient bank. The recipient bank may apply its own charges which do not involve Us (We currently do not offer this service). It is the responsibility of the Customer to verify any cash received from any of our branches for correctness and authenticity. Once the Customer leaves the counter, the Customer is deemed to have accepted the cash and We will not be liable for any discrepancy found thereafter.
All payments must be received from You, the Customer. In case of bank transfers or card payment, payments must be made from Your bank account or Your debit/credit card. We reserve the right to refuse a transaction if we have reason to believe that it has come from a third party. Third party payment refunds can only be made after we receive and verify adequate identification documents and register the third party as Our Customer. The same procedure is applicable for processing the Transaction. For Corporate/Business Customers we require full identity documents of all directors and shareholders and representatives. Corporate/Business Customers will only be able to send money to bank accounts and not for cash collections.
Online and Telephone Transactions
Subject to all the clauses specified herein, the following terms will apply to online and telephone transfers:
You agree to transfer funds in to our bank account immediately without any undue delay;
You agree to register certain additional details about yourself before carrying out any cardholder not present transactions.
You agree to upload your valid identification before the transaction.
We may, in Our sole discretion, refuse any transaction for any of the following reasons:
We do not receive authorization from the bank card issuer;
We do not receive credit of your funds in Our account;
the account from which the money is transferred or the card being used belongs to a third party;
any fraud or credit checks conducted reveal any discrepancies;
we have reason to believe that there may be some fraudulent activity involved.
The Customer irrevocably and unconditionally authorises Us to act upon unauthenticated instructions which appear or purport to be from the Customer, which are received by telephone, email, fax and/or other means of electronic communication. We are under no duty or obligation to make any inquiry into or to in any way verify instructions received from the Customer.
All credit and debit card users on our online system will be 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.
If We fail to complete Your Transaction within a reasonable period as applicable in the circumstances, you will be entitled to a refund of the transfer amount of Your Transaction and Your transfer fee/charge unless We can show that the bank or the pay-out location received the money or that there was a mistake in the recipient details provided to Us by You.
In no event shall We be liable for damages for delay, non-delivery, non-payment, under-payment, or without limitation any other event relating to Your transaction, whether due to the fault, error or omission by Us, for more than the principal amount of Your transaction and the transfer fee/charge. In no circumstance shall We be responsible for any losses or damages which are not foreseeable consequences of a breach of these terms and conditions or any failure to complete Transaction and the transfer fee.
We do not accept the responsibility for any failure to perform Your instructions as a result of circumstances which could reasonably be considered to be outside our reasonable control. You must inform Us immediately if You think that a transfer was not made properly or never arrived. We will not refund money to You if there is undue delay in informing Us about the problem and in any event if not informed within 13 months from the date of sending the money. We will not be liable to the Customer for any incidental, indirect, special or consequential losses or costs or damages or for business losses (such as loss to business profits or opportunities) the Customer suffers.
The Customer does not have the right to cancel the transfer once the Transaction is processed. Nevertheless, if requested by the Customer, we may at Our sole discretion, cancel the transfer before it is paid out to the intended recipient. If the Customer wishes to cancel a money transfer and request a refund of the transfer amount, or make an amendment, the Customer must request Us in writing along with a copy of the money transfer receipt provided to the Customer. It is understood by the Customer that all such cancellation or amendment requests shall be subject to the rules governing cancellations/amendments (including cancellation/amendment charges) of the intermediary banks/financial service institution/other money service businesses that makes the pay-out to the intended recipient. Amount of refund upon cancellation will be after deducting our cancellation charges, any loss due to exchange rate difference and cancellation or back end charges of correspondent bank/financial institution/intermediary. he Customer must notify Us of any amendment to the Transaction details as soon as possible. Amendments can be made only if accepted by the correspondent/pay out agent.
Compliance and Data Protection
Supreme Money Transfer Limited is a regulated Small Payment Institution registered as a Money Service Business(MSB)with the HM Revenue & Customs, registration number 12798797.Any suspicious transactions will be reported to the National Crime Agency(NCA). Supreme Money Transfer Limited will monitor all suspicious or unusual transactions regardless of size. Supreme Money Transfer Limited also reserves the right to request more information from the customer at any time. Supreme Money Transfer Limited is also authorised and regulated by the Financial Conduct Authority(FCA)as a Small Payment Institution with firm reference number 670919.
Supreme Money Transfer Limited is committed to helping prevent money laundering and terrorist financing. Supreme Money Transfer Limited has strict policies and procedures in place to identify its Customers and to combat money laundering and terrorist financing. The procedures include but are not limited to the following:
Verifying that the Customer is who they claim to be by means of identification documentation or by electronic means
Monitoring and reviewing Customer accounts and Transactions.
Reporting suspicious transactions, and identification of documents or personal details.
Retaining customer data for 5 years after the business relationship ends.
Training staff on our Anti-Money Laundering and Counter Terrorist Financing policies and requirements.
We will comply with all Anti Money Laundering regulations and will disclose to the relevant authority details of any suspicious/unusual transactions without prior notice to the customers.
We will validate names, addresses and other personal information supplied by You during the order or transaction process against appropriate third party data bases. By accepting these Terms and Conditions You consent to such checks being made. In performing these checks, personal information provided by You may be disclosed to a registered Credit Reference Agency which may keep a record of the information. All information provided by You will be held securely and treated strictly in accordance with the Data Protection Act 1998. The Transaction will be subject to laws related to monetary transactions in the United Kingdom/intermediary/destination countries and may be blocked/frozen in case found suspicious. The Customer and their recipient will be fully responsible to provide necessary evidence/clarification to prove legality of entities/funds.
Applicable laws prohibit Us from conducting business with certain individuals and countries. In order to comply, Supreme Money Transfer Limited is required to screen all Transactions against a list of names provided by various governments and/or government agencies. If a potential match is found, we will suspend the Transaction and request additional information on either the Customer or beneficiary, as necessary. We will report Transactions to any government authority if we are required to do so by law.
In using Our Service, we may need to send Your details to third parties. We are committed to protecting Your privacy. We may use Customer and recipient's personal information and the details of Transactions and store them on Our database, in order to provide the Customer and the recipient with Our Services, for managing Our business and market research permitted by applicable law. The Customer must have the recipient's consent to share his/her personal information with Us. We may for those purposes share information with Our group or other companies/institutions which may be located within or outside the EEA. We may also use personal information provided by You in order to conduct appropriate anti-fraud checks. Personal Information that You provide may be disclosed to a credit reference or fraud prevention agency, which may keep a record of that information.
The Customer may request access to his/her personal information, ask for the information to be corrected or updated or, for legitimate reason, oppose its processing, by writing or emailing to Us. We maintain records of Your Transaction history to the extent required under applicable law. Records will be updated on continuing basis for all Transactions.
13. Complaints handling
We are committed to provide the Customer with the best service at all times. In the unlikely event that the Customer is dissatisfied with Our service, please write to Supreme Money Transfer Limited, Malmarc House,116 Dewsbury Road,Leeds,LS11 6XD,Tel:01133200607 or email: [email protected]. Please refer to our complaint procedure for more.
We will not be liable if We break this agreement because of abnormal and unforeseeable and circumstances outside Our control where We could not avoid breaking this agreement despite all efforts to the contrary which may include amongst other things, strikes, industrial action, problems with another system or network, mechanical breakdown, data processing failures, English or European Community law, government or government agency policy or other Force Majeure including, without limitation, Act of God, strikes, industrial action, equipment failure, interruption of power supplies, fire, flood, earthquake, windstorm or other natural disaster, explosion or accidental damage, war, threat of or preparation for war, armed conflict, imposition of sanctions, embargo, export controls, breaking off of diplomatic relations or similar actions, terrorist attack, civil war, civil commotion or riots, pandemic or epidemic, industrial disputes, shortages of raw materials or components, general disruptions to transportation, telecommunication systems, power supply or other utilities like the acts, decrees, legislation, regulations or restrictions imposed by any government or state; provided that BFC Exchange shall endeavour to give notice to its customer of any anticipated delays by notice in its branches.
Exclusion of Warranties and Limitation of Liability
Nothing in this agreement limits Our liability for acting fraudulently or very carelessly and otherwise excludes or limits Our liability to the extent that We are able to exclude or limit by law.
You expressly understand and agree that the service is provided on an ‘as-is' and ‘as available' basis.
Supreme Money Transfer Limited disclaim all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement;
Supreme Money Transfer Limited make no warranty that;
the service will meet Your requirements,
the service will be uninterrupted, timely, secure or error free,
the results that may be obtained from the use the service will be accurate or reliable,
the quality of any products, services, information or other material obtained by You through the service will meet Your expectations,
the use of the service is done at Your own discretion and risk, and
no advice or information, whether oral or written, obtained by You from Supreme Money Transfer Limited or through or from the service shall create any warranty not expressly stated in this agreement.
Any valid claim against Supreme Money Transfer Limited will be restricted to the Sterling amount of any Transaction. By using the Services, you confirm that this is the maximum amount of any claim that may be lodged against Supreme Money Transfer Limited.
Supreme Money Transfer Limited will not be liable to any Customer for any losses suffered due to any action or inaction on the part of Supreme Money Transfer Limited or resulting in loss of profits, indirect losses, loss of business gains, savings, other costs or benefits that may be lost or incurred. Supreme Money Transfer Limited is not liable for the omissions or commissions of any act by third party involved in the Transaction. All implied conditions and terms are excluded to the maximum extent available under law.
Supreme Money Transfer Limited shall not be liable if We are unable to process any Transaction or fulfil Our obligations under these terms directly or indirectly due to the failure of any third party involved in the Transaction. All conditions, warranties and remedies imposed or implied by any applicable law are expressly excluded to the extent permitted by law.
Personal Information and Security
None of the information provided in connection with the Services constitutes, nor should it be construed as the provision of financial advice. Supreme Money Transfer Limited provides information using all reasonable endeavours to achieve accuracy but this cannot be guaranteed. Supreme Money Transfer Limited therefore does not warrant the accuracy of any information provided and excludes any implied warranty, in particular where it relates to speed of delivery, date of delivery, exchange rates, market prices and data. Neither Supreme Money Transfer Limited, nor any entity from which it receives information shall be liable for any investment or other decisions made on the basis of the information provided.
Variation of These Terms and Conditions
These Terms and Conditions are subject to change from time to time and Supreme Money Transfer Limited reserves the right to make these changes at any time without notice. Before placing an order, we recommend that you read these Terms and Conditions in full. Your continued use of the Services after these changes constitutes your acceptance of these Terms and Conditions as modified.
Governing Law and Jurisdiction
The law of England and Wales applies to this agreement and We will communicate with the Customer in English. The English courts shall have exclusive jurisdiction on all matters related to the service and this agreement.
You agree to indemnify and hold us and Our respective affiliates, subsidiaries, officers, agents, co-branders and other partners, directors, and employees, harmless from any claim or demand, including reasonable lawyers and legal fees, made by any third party due to or arising out of Your use of this service, Your connection to the Service, Your violation of the terms of this agreement, or Your violation of any rights of another.
You shall keep Supreme Money Transfer Limited indemnified in respect of all costs, claims, and losses that we may incur in course of processing your order. You will be liable for and will indemnify Supreme Money Transfer Limited against all or any costs, losses or liabilities we may incur while processing or as a result of processing your order. This includes any costs, losses or liabilities we may incur with third party currency dealers, banks, payment processors or other institutions.
Contract Right of Third Parties
Nothing contained in this Agreement is intended to confer nor shall confer upon any person, other that the parties hereto, any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this Agreement or any benefits of remedies of any kind or character whatsoever, and so such person shall be deemed a third-party beneficiary under or by reason of this agreement.
If any part of this agreement is found to be invalid, then the remainder of the agreement will remain in effect.
Transferring this agreement
We may transfer Our rights and duties under this agreement or we may arrange for any other person to carry out Our rights and duties under this agreement. We may change the provider of the delivery service to any other person or organisation that We deem fit without prior notice or compensation.
Safe, Responsible, Convenient