Terms & Conditions

Last Updated: October 2025

These Terms and Conditions govern your use of Amanat Pay's services (trading name of Transfer East Ltd). By using our services, you agree to be bound by these terms. Please read them carefully.

1. About Us

Amanat Pay is a trading name of Transfer East Ltd, a company registered in England and Wales. We are authorized and regulated by the Financial Conduct Authority (FCA) to provide payment services.

Registered Address:
1038 Stockport Road, Manchester M19 3WX, United Kingdom

We are also registered with HM Revenue & Customs (HMRC) under the Money Laundering Regulations and the Information Commissioner's Office (ICO) for data protection compliance.

2. Our Services

We provide international money transfer and currency exchange services. Our services include:

• International money transfers to bank accounts worldwide
• Cash pickup services at partner locations
• Currency exchange services

3. Registration & Verification

To use our services, you must register and complete our verification process. You agree to:

• Provide accurate, complete, and up-to-date information
• Submit valid government-issued identification documents
• Provide proof of address
• Comply with all applicable laws and regulations
• Not use our services for any illegal or fraudulent purposes

4. Exchange Rates & Fees

Exchange rates are based on current market conditions and may fluctuate without notice. The exchange rate displayed at the time you confirm your transaction is the rate that will be applied to your transfer.

We take no fee on most transfers. Any applicable fees or charges will be clearly displayed before you confirm your transaction. There are no hidden charges. The total amount the recipient will receive is always shown before you complete the transfer.

Exchange rates are valid for a limited time and may change if the transaction is not completed within the specified timeframe.

5. Transfer Process & Timing

When you make a transfer with Amanat Pay:

• You must provide accurate and complete beneficiary details
• Transfer times vary depending on destination country and payment method
• Most transfers are completed within minutes to a few hours
• Bank transfers may take 1-3 business days depending on the destination
• Transfers are subject to verification and compliance checks

We are not responsible for delays caused by third-party banks, intermediary institutions, or circumstances beyond our control such as public holidays, banking system issues, or force majeure events.

6. Cancellations & Refunds

You may request to cancel a transfer before it has been processed and paid out to the recipient. Once the money has been paid out, cancellation is not possible.

To cancel a transfer, contact us immediately at +44 79 4939 3633 or info@amanatpay.co.uk. We will make reasonable efforts to stop the transfer if it has not yet been completed.

Approved refunds will be processed to the original payment method within 5-10 business days. The actual time for funds to appear in your account depends on your bank or card issuer.

7. Prohibited Activities

You must not use our services for any of the following purposes:

• Money laundering or terrorist financing
• Fraudulent activities or transactions
• Illegal activities or prohibited transactions under UK or international law
• Transactions involving illegal goods or services
• Gambling or gaming-related payments (where prohibited)
• Adult content or services (where prohibited)
• Violation of any sanctions or embargoes

We reserve the right to refuse, cancel, or reverse any transaction that we believe violates these terms or applicable laws. We may also report suspicious activities to relevant authorities.

8. Privacy & Data Protection

We are committed to protecting your personal information in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

Information We Collect:

• Personal identification information (name, date of birth, address)
• Contact information (email, phone number)
• Financial information (bank account details, card information)
• Transaction history and transfer details
• Identification documents (passport, driving license)
• Device and usage information when you use our services

How We Use Your Information:

• To process your money transfers and provide our services
• To verify your identity and comply with legal obligations
• To prevent fraud, money laundering, and other financial crimes
• To communicate with you about your transactions and account
• To improve our services and customer experience
• To comply with regulatory requirements and legal obligations

Data Sharing:

We will not share your personal information with third parties without your consent, except:

• When required by law or regulatory authorities
• With partner banks and payment networks to process your transfers
• With service providers who help us operate our business (under strict confidentiality agreements)
• To prevent fraud or protect our legal rights

Data Security:

We use bank-level security measures including:

• 256-bit SSL encryption for all data transmission
• Secure servers with regular security updates
• Regular security audits and penetration testing
• Strict access controls and employee training

Your Rights:

Under UK GDPR, you have the right to:

• Access your personal data
• Request correction of inaccurate data
• Request deletion of your data (subject to legal obligations)
• Object to processing of your data
• Request data portability
• Withdraw consent at any time

To exercise any of these rights, contact us at info@amanatpay.co.uk.

9. Liability & Disclaimers

While we strive to provide reliable and secure services, we are not liable for:

• Losses arising from circumstances beyond our reasonable control
• Delays caused by third-party banks or payment networks
• System failures, technical issues, or internet connectivity problems
• Force majeure events (natural disasters, wars, pandemics, etc.)
• Errors or inaccuracies in information you provide
• Unauthorized access to your account due to your failure to keep credentials secure

Our maximum liability for any claim is limited to the amount of your specific transaction in question. Nothing in these terms excludes our liability for fraud, death, or personal injury caused by our negligence.

10. Complaints & Dispute Resolution

If you have a complaint about our services:

1. Contact us at info@amanatpay.co.uk or call +44 79 4939 3633
2. We will acknowledge your complaint within 2 business days
3. We will investigate and respond with a resolution within 15 business days
4. If the matter is complex, we may need up to 35 business days

If you are not satisfied with our response, you may refer your complaint to:

Financial Ombudsman Service
Exchange Tower, London E14 9SR
Phone: 0800 023 4567
Website: www.financial-ombudsman.org.uk

11. Account Suspension & Termination

We reserve the right to suspend or terminate your account if:

• You breach any of these terms and conditions
• We suspect fraudulent or illegal activity
• You provide false or misleading information
• Required by law or regulatory authorities
• Your account remains inactive for an extended period

You may close your account at any time by contacting us. Any pending transactions must be completed before account closure.

12. Changes to Terms

We may update these Terms and Conditions from time to time to reflect changes in our services, legal requirements, or business practices.

We will notify you of any significant changes via email or through our website. Your continued use of our services after changes take effect constitutes acceptance of the new terms.

13. Governing Law

These Terms and Conditions are governed by the laws of England and Wales. Any disputes arising from these terms or our services will be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Contact Information

Amanat Pay (Trading name of Transfer East Ltd)
1038 Stockport Road
Manchester M19 3WX
United Kingdom

Phone: +44 79 4939 3633
Email: info@amanatpay.co.uk
Operating Hours: Monday - Friday: 9:00 AM - 6:00 PM, Saturday: 11:00 AM - 5:00 PM

⚠️ Important Notice: By using Amanat Pay's services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree with any part of these terms, please do not use our services.