1.1. These Terms and Conditions govern the use of Prompt Remit’s money transfer service ("the Service"), operated by AR Worldwide Services, a registered Small Payment Institution in the UK.
1.2. The English version of these Terms and Conditions is binding. Non-English versions are provided for convenience only.
1.3. "We", "us", "our" refer to AR Worldwide Services, and "you", "your" refer to users of the Service.
1.4. Your access to and use of the Service is conditional upon acceptance of these Terms and Conditions.

- Terms such as "Application", "Compliance Officer", "Fees", "Force Majeure Event", "FX Spread", "Malicious Code", "MLRO", "Regulations", "Prohibited Purpose", "Recipient", "Reference Number", "Sender", "Transaction", and "Website" are defined for clarity.

3.1. AR Worldwide Services is licensed and regulated by the Financial Conduct Authority (FCA) under the Payment Services Regulations 2017.
3.2. We adhere to all applicable laws, including anti-money laundering (AML) regulations and guidelines issued by relevant authorities.

4.1. The Service is available to individuals aged 18 and over with the legal capacity to enter into binding contracts.
4.2. Users must provide accurate and complete registration information and keep this information updated.

5.1. The Service is for personal, non-commercial remittance purposes only.
5.2. Users must not use the Service for illegal purposes, including money laundering, terrorist financing, fraud, or other unlawful activities.

6.1. Transactions initiated through the Service are subject to these Terms and Conditions, along with any additional terms presented during the transaction process.
6.2. We reserve the right to refuse or cancel transactions that violate these Terms or applicable laws.

7.1. Fees and charges for using the Service will be disclosed at the time of transaction initiation.
7.2. Currency exchange rates are determined according to the prevailing rates and include an FX Spread.

8.1. In compliance with AML directives, we perform customer due diligence and identity verification.
8.2. Transactions

9.1. We are committed to protecting your personal data in accordance with GDPR and the Data Protection Act 2018.
9.2. Our Privacy Policy provides detailed information on how we collect, use, and protect your data.

10.1. Refunds and cancellations are subject to the conditions outlined in our Refund Policy.
10.2. Complaints should be directed to our customer service team as per the procedure outlined on our Website.

11.1. All content and material on the Website, including trademarks, logos, and service marks, are the property of AR Worldwide Services or its licensors.

12.1. Our liability in connection with the Service is limited to the extent permitted by law.
12.2. You agree to indemnify AR Worldwide Services against all losses, damages, expenses, and costs arising out of your breach of these Terms and Conditions.

13.1. We reserve the right to amend these Terms and Conditions at any time.
13.2. Continued use of the Service after such changes indicates your acceptance of the new terms.

14.1. These Terms and Conditions are governed by English law.
14.2. Disputes arising under these Terms will be subject to the exclusive jurisdiction of the English courts. This version of the Terms and Conditions is intended to be comprehensive, covering key aspects of Prompt Remit’s operations as an SPI, and ensuring adherence to legal and regulatory requirements. It's crucial to keep these terms updated in line with any changes in laws or business practices. Legal consultation is recommended for final review and validation.

15.1. We reserve the right to suspend or terminate your access to the Service for any breach of these Terms and Conditions or for any illegal or unauthorized use of the Service.
15.2. Termination may result in the immediate deletion of your account and all related information and files.

16.1. We shall not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under these Terms and Conditions that is caused by events outside our reasonable control (Force Majeure Event).
16.2. Our performance under these Terms and Conditions is deemed to be suspended for the period that the Force Majeure Event continues, and we will extend the time for performance for the duration of that period.

17.1. The Service may contain links to third-party websites or services that are not owned or controlled by AR Worldwide Services.
17.2. We assume no responsibility for the content, privacy policies, or practices of any third- party websites or services.

18.1. Users must not misuse the Website or the Service.
18.2. Prohibited actions include attempting to gain unauthorized access to the Service, the server on which the Website is stored, or any server, computer, or database connected to the Website.

19.1. We endeavour to ensure that the Service is always available but cannot guarantee that the Service or any content on it will always be available or uninterrupted.

20.1. Complaints should be addressed to us in writing. We aim to respond within a specified period.
20.2. If you are not satisfied with our response, you may escalate the issue as outlined in our complaints procedure.

21.1. No waiver by us of any term or condition set forth in these Terms and Conditions shall be considered a further or continuing waiver of such term or condition.
21.2. If any provision of these Terms and Conditions is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms and Conditions will continue in full force and effect.

22.1. You may not assign, transfer, or delegate any or all of your rights or obligations under these Terms and Conditions without our prior written consent. 22.2. We may transfer our rights and obligations under these Terms and Conditions to another entity without restriction.

23.1. We reserve the right to withdraw or amend the Service, and any service or material we provide on the Website, in our sole discretion without notice.
23.2. We will not be liable if, for any reason, all or any part of the Service is unavailable at any time or for any period.

24.1. These Terms and Conditions, our Privacy Policy, and any other documents referred to in them constitute the sole and entire agreement between you and AR Worldwide Services in relation to your use of the Service.
24.2. They supersede all prior understandings, agreements, representations, and warranties, both written and oral, in relation to the Service.

22.1. You may not assign, transfer, or delegate any or all of your rights or obligations under these Terms and Conditions without our prior written consent. 22.2. We may transfer our rights and obligations under these Terms and Conditions to another entity without restriction.

For questions about these Terms and Conditions, please contact us at info@arworldwideservices.com or by post at AR Worldwide Services, 290 Preston Road, Harrow, Middlesex, HA3 0QA.

26.1. These Terms and Conditions shall be governed and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. 26.2. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. This comprehensive version of the Terms and Conditions for Prompt Remit, operated by AR Worldwide Services, is intended to encompass all necessary aspects of SPI operations, ensuring legal and regulatory compliance. Regular reviews and updates are crucial, and legal consultation is advised for final verification and compliance checks.