Acceptance of Terms

These Terms of Use ("Terms") govern your usage of the website. By accessing or using the website, you confirm that:

(A) You are of legal age or a corporate entity to enter into this agreement and have read and fully understand the terms and conditions outlined herein; and

(B) You agree to be bound by this agreement and comply with all applicable laws, regulations, and rules of any relevant governmental or regulatory authority.

Together with its employees, directors, affiliates, successors, and assigns, SendOva is the trading name of Balazoo Express Ltd, a company registered in England and Wales, with its registered office at 37th Floor, 1 Canada Square, Canary Wharf, London, United Kingdom E14 5AA. Balazoo Express Ltd is registered with HM Revenue & Customs (HMRC) for Money Laundering Regulations under Registration Number: XJML00000174536 and is regulated by the Financial Conduct Authority (FCA) in the United Kingdom as a Small Payment Institution with Registration Number: 572855.

The terms “you” and “your” refer to users of the Service, whether in their capacity as Senders, Recipients, or visitors to this website. These Terms and Conditions are effective from the date you first access, register and use our service."

2. Definitions

(a) "Web/Website" refers to SendOva including any updates, enhancements, or modifications.

(b) "User" means any individual who accesses or uses the website.

3. Use of this Website

(a) Eligibility: You must be at least 18 years old/the legal age or a corporate entity in your jurisdiction to use the website.

(b) Lawful Use: You agree to use this website solely for lawful purposes and in compliance with these Terms and all applicable laws and regulations.

(c) Account Registration: To access certain features of this website, you may need to create a user account. You agree to provide accurate, current, and complete information during the registration process.

(d) Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. Notify us immediately of any unauthorized use or security breaches.

4. Transactions

(a) Remittance Transactions: This website facilitates remittance transactions between permissible limits as licensed by the Financial Conduct Authority [FCA]. By initiating a transaction, you agree to the terms and conditions applicable to the transaction.

SendOva does not charge any transaction fees for remittance transactions. You will not be required to pay any additional fees when sending money through our platform.

(c) Recipient Information: You are responsible for providing accurate recipient information and ensuring that the recipient is eligible to receive the funds.

5. Privacy and Data Collection Policy

Your use of this website is subject to our Privacy and Data Collection Policy, which is incorporated by reference into these Terms. Please review our Privacy Policy to understand how we collect, use, and disclose your information.

6. Intellectual Property

(a) Ownership: This website and its content, including but not limited to text, graphics, logos, images, and software, are owned by or licensed to us and protected by copyright, trademark, and other intellectual property laws.

(b) Restrictions:Youmay notmodify,reproduce, distribute, or create derivativeworks based on this website or its content without our prior written consent.

7. Limitation of Liability

(a) Disclaimer: To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, special, consequential, or exemplary damages arising out of or in connection with your use of this website.

(b) Force Majeure: We are not liable for any delay, interruption, or unavailability of this website due to causes beyond our reasonable control, including but not limited to technical failures or acts of nature.

8. Governing Law and Dispute Resolution

(a) Governing Law: These Terms are governed by and construed in accordance with the laws of England and Wales without regard to its conflict of law principles.

(b) Dispute Resolution: Disputes will be resolved through arbitration under the rules of the London Court of International Arbitration (LCIA), with the venue in London, UK.

9. Changes to Terms

We reserve the right to modify or update these Terms at any time. We will notify you of any significant changes by posting the revised Terms on this website. Your continued use of this website after the posting of the revised Terms signifies your acceptance of the changes.

10. Communications

If you have any questions or concerns about these Terms, please contact us customerexperience@balazooexpress.co.uk