1. Introduction

1.1 Bazar Money Transfer operates a service that allows you to transfer money and make foreign currency payments internationally through our website, www.BazarMoneyTransfer.com and live chat applications (the “Service“).

1.2 All references to ‘our’, ‘us’ or ‘we’ within these Terms and Conditions are deemed to refer to Bazar Money Transfer Ltd this includes where applicable employees, directors, successors and assigns.

1.3 All references to ‘you’ or “‘your’ within these Terms and Conditions are deemed to refer to the User of our Service whether as Senders, Recipients, or visitors to our website or live chat applications.

1.4 These Terms and Conditions govern your use of the site and your use of the Service.

1.5 Your use of the Site and Service (including accessing, browsing or registering to use the Site) confirms your unconditional agreement to be bound by these Terms and Conditions and is subject to your continued compliance with these Terms.

1.6 I If you do not wish to be bound by these Terms and Conditions please do not access, register with us or use the Service.

1.7 We reserve the right to revise these Terms and Conditions at any time by amending this page without notice and your continued use of the Site after any such amendments are published on the Site will be considered acceptance by you of such amended Terms and Conditions. Updated Terms and Conditions will supersede all previous versions of the Terms and Conditions. Please check this page regularly to take notice of any changes we have made, as they are binding on you.

2.About us

2.1 Bazar Money Transfer Ltd (company number 12506442) is a company registered in England and Wales, with its registered office at Level 37, One Canada Square, Canary Wharf London, United Kingdom, E14 5AA.

2.2 Bazar Money Transfer is authorised as a payment service provider by the Financial Conduct Authority (“FCA“) under the Small Payment Service Regulations (registration number: 935784) for the provision of payment services and licensed by Her Majesty’s Revenue and Customs (“HMRC“) (license number 0159505) as a money transmitter.

2.3 Bazar Money Transfer is a Payment Service Provider, the main business being money transfers and provision of services for making foreign currency payments internationally.

2.4 Bazar Money Transfer Ltd is offered in Canada, Incorporation Number: 002295277, registered address: 168 Steeles Avenue, East Thornhill, ON, Canada L3T 1A5. It’s regulated by The Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) under Money Service Business (MSB) Regulations, MSB Registration Number M20035926.

3. Accessing the Service

3.1 In order to use our Services, you must be a bank account holder and a resident of a European Union, European Economic Area (EEA) member state, United Kingdom or Canada.

3.2 You must be at least eighteen (18) years old to access or use the Service as a Sender. You must be able to enter into legally binding contracts under applicable law, including local law in the jurisdiction in which you live. We may ask you at any time to show proof of your age.

3.3 As a Receiver, you must be able to enter into legally binding contracts under applicable law, including local law in the jurisdiction in which you live.

3.4 If you are not a Consumer, you confirm that you have authority to bind any business on or entity as a Sender or Receiver on whose behalf you seek to use the site or our Services and that business or entity accepts these terms in full.

3.5 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. This is an offer which we may accept or reject at our sole discretion.

3.6 We may, in our absolute discretion, refuse or cancel any Transaction Request or impose limits on the Transaction Amount we may do so either on a per Transaction basis or on an aggregate basis, and either in respect of one set of registration details or one Payment Instrument or on related sets of registration details or Payment Instruments.

3.7 In that case, we will notify you promptly of that decision and refund you the Transaction Amount received by us, provided that we are not prohibited by law from doing so.

4.Using the Service

4.1 You don’t need to register for a Bazar Money Transfer account in order to visit or use most areas of our website or our live chat application. However, to use the Service and access restricted areas of our website and or live chat application you will need to register and set up an account with us (your “Account“).

4.2 Your use of the Service requires an account identifying you as a user of the Service (an “Account”). You are solely responsible for your Account and the maintenance, confidentiality and security of your Account and all passwords related to your Account, and any and all activities that occur under your Account, including all activities of any persons who gain access to your Account with or without your permission.

4.3 You agree to immediately notify Bazar Money Transfer, to the extent that you are or become aware, of any unauthorised use of your Account, any service provided through your Account or any password related to your Account, or any other breach of security with respect to your Account or any service provided through it, and you agree to provide assistance to us, as requested, to stop or remedy any breach of security related to your Account.

4.4 You agree to provide true, current, accurate and complete customer information as requested by us from time to time and you agree to promptly notify us of any changes to this information as required to keep such information held by us current, complete and accurate.

4.5 If you provide incorrect information with your payment order, we will use reasonable efforts to recover the funds for you, and may need to charge you a fee for that. However this might not be possible and therefore Bazar Money Transfer will not be liable for this.

5. Licence to use the Website

5.1 You may view, download for caching purposes only, and print pages from the website, provided that:.

5.1.1 You must not republish material from this website (including republication on another website), or reproduce or store material from this website in any public or private electronic retrieval system.

5.1.2 You must not reproduce, duplicate, copy, sell, resell, visit, or otherwise exploit our website or material on our website for a commercial purpose, without our express written consent.

6. Payment

6.1 you can transfer money from any of the supported countries as a sender to any of the supported countries using our money remittance service. However, we may stop providing our service to any of these countries without a further notice. You can always check the updated list of the supported countries vis this link [http://support.Bazar Money Transfer.com/hc/en-gb/articles/205576889-Supported-Countries].

To be able to make a transfer we may ask you to provide us with details of the recipients and further payment instructions including recipients name, bank account details, transaction amount, reference. Also, the responsibility is all yours to make sure that all the required details to make a transaction are correct and accurate. In case of any incorrect details the transaction may result in delay or could cancel the transaction. However, if the transaction is been authorised, submitted and made it might not be possible to cancel it at that stage.

the actual amount that your recipient receives might be a different from what has been provided on the website as there might be additional fees added to the transfer that you made by banks or other service providers.

the next step after your initial request is to make a payment therefore, we will provide you with our bank account details to deposit the transaction amount also the transaction fee if applicable. after we receive the transaction amount and fee. the transaction will be authorised by Bazar Money Transfer, afterward we will credit the Transaction Amount onto the Recipient bank account in the currency requested by you. We would not contact any of our recipients when funds are available to their accounts.

delivery time of the funds on our website are estimated for a normal average transaction time but is not guaranteed for all our transactions. There are some reasons that might cause a delivery delay for instance: if we fail to verify your identity, if we are not to validate your transaction instructions, or if not complying by law or differentiation in business hours also any currency availability. By business day we mean a weekday not Saturday, Sunday or bank holidays in UK or any day that bans are open in the recipients’ country.

Bazar Money Transfer is not responsible for any delay caused by the cut off time when banks stop dispatching electronic payments.

if any incorrect amount has been transferred to our recipients account by Bazar Money Transfer, we hold the right to take a legal action if the recipient refuse to refund the funds.

7.Your payment details

7.1 We will ask you to provide details of the payment instrument you wish to use, such as your credit card, debit card or bank account (your “Payment Instrument“) so that we can collect payment from you when you initiate a transaction.

7.2 Where relevant, you authorise us to debit your chosen Payment Instrument with the Transaction Amount and Transaction Fee. You represent and warrant that you are the lawful owner of these Payment Instrument(s) and that the details you supply to us are accurate.

7.3 If your payment fails or is insufficient, you authorise us to re-try one or more times to debit your selected Payment Instrument.

7.4 Both you and the Recipient will only act on your own behalf. You may not submit an Instruction or receive a Transaction on behalf of a third person.

7.5 Bazar Money Transfer will have no responsibility for any fees or charges you may incur by the use of a particular Payment Instrument to fund a Transaction. These may include but are not limited to unauthorised overdraft fees imposed by banks if there are insufficient funds in your bank account or “cash advance” fees and additional interest which may be imposed by credit card providers if they treat use of the Service as a cash transaction rather than a purchase transaction.

8. Exchange rates

The conversion rate showing on the system is just for that time and date shown on the screen it may fluctuate and differ time to time.

the exchange rate would still apply if there is a delay in making the transaction.If you pay for the transaction in one currency and your recipient is paid by us in another currency there might be a slight different between the rate at which we would buy the foreign currency and the rate provided to you.

9.Other fees, charges, and interest

In case you make a transaction that BMT would become liable to pay any fee, charges or any other fees such as overdraft fees apply by banks if there are not sufficient funds in your account or “cash advance“ fees or any additional interest which may be applied by credit card providers if they treat use of the Service as a cash transaction rather than a purchase transaction and you agree to refund us all such fee.

You authorise us to get access to charge or debit funds from any of your payment institutions or banks to be able to receive payments from you.

We would not be reliable for paying any charge applied by the receipt bank when recipients receiving funds in their accounts. The recipient s bank should be contacted if any charges or fees apply to transaction by their bank. Also, in case of any intermediate bank fees applies BMT would refuse to pay such fee and is not liable to cover those charges.

you would not be entitled to any interest for the time of money being remitted or pending time or in any time of money remittance. BMT may decide to limit the amount of transaction in one transaction or on any agreed basis.

10. Cancellation and Refund

Your agreements with us can be cancelled even after you have submitted a transaction.

If you would like to cancel a transaction or request a refund you can send us an email to helpdesk@BazarMoneyTransfer.com or contact us by phone using our phone numbers provided at the end of this terms and conditions.

the cancelation or refund only would take place if we could identify you as the sender. In order for us to identify you need to send us an email from your registered email address with us, provide your full name and address with the reference or identification number of your transaction the amount of the transaction, the reasoning behind the request. Also consider that the refund would only be credited to the same account in same currency except the bank account could not be found or identified.

In case we can not identify the senders account we would contact sender asking for the same currency account details.

the cancelation charge may apply when you decide to cancel your transaction or ask for a refund.

In case you make a transaction that BMT would become liable to pay any fee, charges or any other fees such as overdraft fees apply by banks if there are not sufficient funds in your account or “cash advance“ fees or any additional interest which may be applied by credit card providers if they treat use of the Service as a cash transaction rather than a purchase transaction and you agree to refund us all such fee.

any fluctuation which may occurs anytime , we would not pay the differentiation or be hold accountable for it .if in case you request a refund and transaction has been made and the receiver has received the money in their bank account we would do

10.7 In circumstances when the payment has already been credited to the Recipient’s bank account, and a Sender requires a recall of the funds, they may do so. However Bazar Money Transfer cannot guarantee cancellation will be successful.

10.8 In those circumstances we would make reasonable efforts to recover the funds. We may charge you a reasonable fee, reflective of our efforts, to do so. However there is no guarantee that the cancellation will be successful.

11. Collection of Information

11.1 We are regulated by the HMRC and FCA in UK and by the FINTRAC in Canada.

11.2 UK and Canada law requires all financial institutions to obtain, verify, and record identifying information about all its customers. We may therefore require you to supply us with personal identifying information and we may also legally consult other sources to obtain information about you. In accordance with our obligations under The Money Laundering Regulations 2017 and any other applicable laws of the United Kingdom and Canada or of the country from which funds are transferred or where funds are intended to be received. We may therefore require you to supply us with personal identifying information and we may also legally consult other sources to obtain information about you to enable us to verify you.

11.3 The following means of the verification may be required: photographic evidence of your identity such as a copy of your passport or other form of identification, proof of residence and/or proof of source of funds.

11.4 However, we reserve the right to request you to provide us with the above mentioned documents as well as other supporting information, at any time.

11.5 We are required to verify your personal details in order to confirm your identity and we may also use a recognised agency for this verification process. We may also pass your personal information to a credit reference agency and fraud prevention agency, which may keep a record of that information.

11.6 This is done only to confirm your identity, a credit check is not performed and your credit rating will not be affected. All information provided by you will be treated securely and strictly in accordance with the Data Protection Act 1998.

11.6.1 For more details on Data Protection, please see our Privacy Policy for more information about how we handle your information. A copy of the Privacy Policy may be obtained on request at: [helpdesk@BazarMoneyTransfer.com], or by visiting: [https://www.BazarMoney Transfer.com/en/privacy-policy].

11.7 We may be required by law to provide information about you, your use of the Service and your Instructions to government or other competent authorities as described in our Data Privacy Policy. You acknowledge and consent to us doing this.

12. Limitations of Liability

12.1 We will provide the Service using reasonable care and diligence.

12.2 We will use reasonable endeavours to make the Service available except for: planned maintenance, for which 24 hours’ notice will be given by placing a notice on our website or by providing you an alert through the Service;

12.2.1 Or unscheduled maintenance during normal business hours (UK or Canada time) or otherwise, for which we will use reasonable endeavours to give you advance notice by placing a notice on our website or by providing you an alert through the Service.

12.3 Due to the nature of the Internet and technology as well as cooperation with third party providers, the Service is provided on an “as available“ and “as is“ basis. This means that we are unable to promise that your use of the Service will be uninterrupted, without delays, error-free or meet your expectations and we do not give any commitment relating to the performance or availability of the Service in these Terms and Conditions and, to the extent we are able to do so, we exclude any commitments that may be implied by law.

12.4 We will also not be responsible, to the extent permitted under any applicable law, for any delay in performing any transactions or any of our other obligations if this is caused by circumstances beyond our control, such as changes in the law, withdrawal of a foreign currency, strikes or labour disputes, imposition of sanctions over a beneficiary or natural disasters.

12.5 We will notify you as soon as we can if we are unable to perform a transaction for any of these reasons and will use reasonable measures to secure the return of any money paid by you.

12.6 To the extent permitted under any applicable law, in no event shall Bazar Money Transfer, our subsidiaries, officers, agents, partners, or employees be responsible to you in any way beyond the sum of £1000.00 (in addition, when applicable, to refunding the transaction amount and transaction fees).

12.7 However, in the event that we make a payment transfer that is not in accordance with your instructions (for example, we send the transfer to the wrong Recipient), we will refund you that payment in full.

12.8 For security reasons, we recommend that you only send money through the Service to people you know personally.

12.9 If you choose to pay third parties for goods and services using the Service, you acknowledge that Bazar Money Transfer has no control over, and is not responsible for, the quality, safety, legality, or delivery of such goods or services and that any such use of the Service is entirely at your own risk.

13. Force majeure

13.1 In an “Event of Force Majeure” i.e. any circumstance not within the reasonable control of Bazar Money Transfer, but only if and to the extent that:

13.1.1 Such circumstance, despite the exercise of reasonable diligence, cannot be, or be caused to be, prevented, avoided or removed by Bazar Money Transfer. Bazar Money Transfer will not be held liable.

13.1.2 Such circumstance materially and adversely affects the ability of Bazar Money Transfer to perform its obligations, while Bazar Money Transfer has taken all reasonable precautions, due care and reasonable alternative measures in order to avoid the effect of such events, Bazar Money Transfer will not be held liable.

14. Intellectual Property and Copyright

14.1 Bazar Money Transfer website and the Bazar Money Transfer Service, the content, and all intellectual property relating to them and contained in them. Including but not limited to copyrights, patents, database rights, trademarks and service marks and any other intellectual property rights which subsist in the design, layout, processes, functions, data and content of our website and mobile application, belong to us and we give you permission to use these materials for the sole purpose of using the Service in accordance with these Terms and Conditions.

14.2 All right, title and interest in and to the Bazar Money Transfer website and the Service shall remain our property

14.3 Bazar Money Transfer Website and the Bazar Money Transfer Service may be used only for the purposes permitted by these Terms and Conditions or described on the website. You are authorised solely to view and to retain a copy of the pages of the Bazar Money Transfer Website for your own personal use. You may not duplicate, publish, modify, create derivative works from, participate in the transfer or sale of, post on the internet, or in any way distribute or exploit the Bazar Money Transfer website, the Bazar Money Transfer Service or any portion thereof for any public or commercial use without our express written permission.

14.4 Your right to use the Service is personal to you and is non-transferable.

14.5 Bazar Money Transfer certifies that it retains full and complete ownership of the granted Rights, the right to dispose of them and to freely grant licences thereof to whomsoever it chooses.

14.6 Other than as permitted in these Terms and Conditions, you are not given a right to use the “Bazar Money Transfer“ name or any of the “Bazar Money Transfer“ trademarks, logos, domain names or any other distinctive brand features.

14.7 No part of our website, its content or any of its underlying software and databases may be copied or reproduced, shared with third parties, reverse engineered, reverse assembled, or used to create any derivative work (whether in physical or electronic form) without the prior written consent of Bazar Money Transfer.

14.8 You may not: (a) use any robot, spider, scraper or other automated device to access the website, the mobile application or the Service; and/or (b) remove or alter any copyright, trademark or other proprietary notice or legend displayed on the Bazar Money Transfer website (or printed pages of the website).

15. Acceptable use

15.1 You agree that if you use our Website or/and our Services you will be taken to have agreed to these Terms. If you do not agree to these Terms, you should not use our Website or our Services.

15.2.1 When using the Service you must not: circumvent, disable or otherwise interfere with any security related features of the Service;

15.2.2 create more than one Account;

15.2.3 give any false or misleading information in your Account details;

15.2.4 permit another person to use the Service under your name or on your behalf unless you are a business and such person is authorised by you;

15.2.5 use the Service if we have suspended or banned you from using it;

15.2.6 engage in any fraudulent, illegal or unlawful conduct;

15.2.7 modify, interfere, intercept, disrupt or hack the Website or the Service;

15.2.8 or misuse the Service by knowingly introducing viruses, Trojans, worms, logic bombs or other material which would harm the Service or any user of the Service’s own equipment, (together, this list forms our “Rules of Acceptable Use“).

15.3 Failure to comply with the Rules of Acceptable Use constitutes a serious breach of these Terms and Conditions and may result in our taking all or any of the following actions (with or without notice):

15.3.1 immediate, temporary or permanent withdrawal of your right to use our Service or closure of your Account;

15.3.2 issuing of a warning to you;

15.3.3 legal action against you including proceedings for reimbursements of all costs (including, but not limited to, reasonable administrative and legal costs) resulting from the breach;

15.3.4 disclosure of such information to law enforcement authorities as we reasonably feel is necessary.

15.4 The actions we may take are not limited to those described above, and we may take any other action we reasonably deem appropriate.

16. Complaints

16.1 Bazar Money Transfer aims to provide the highest level of customer service possible. If you experience a problem, Bazar Money Transfer will always seek to resolve this as quickly and efficiently as possible. A copy of our complaint procedure is available on request – please email us at [helpdesk@BazarMoneyTransfer.com] to obtain a copy.

16.2 In the unlikely event that you are dissatisfied with our Service, in the first instance you should inform us of the complaint as soon as possible in writing by email to [helpdesk@BazarMoneyTransfer.com].

16.3 We will acknowledge receipt of your complaint within 2 business days.

16.4 We will investigate your complaint and come back to you with the initial findings of our investigation no later than 2 weeks after receipt of your complaint.

16.5 If you are dissatisfied with our response you may refer the matter to the Financial Ombudsman. For more details, visit the Financial Ombudsman Service’s website at http://www.financial-ombudsman.org.uk, or contact them by post to South Quay Plaza, 183 Marsh Wall, London E14 9SR, by telephone to 0800 0234 567, or by email to [complaint.info@financial-ombudsman.org.uk]./p>

17. Changes to Terms and Conditions

17.1 We may need to change these Terms from time to time to:

17.1.1 comply with law or regulations;

17.1.2 reflect changing market conditions; or

17.1.3 meet our changing business requirements.

17.2 Bazar Money Transfer will notify you of any changes to our Terms and Conditions in writing by email and/or by placing a notice on our website or mobile application, together with the date on which the changes will take effect (the “Effective Date“).

17.3 Bazar Money Transfer will give you a 30-day notice of any material changes to these Terms and Conditions. Your continued use of the Service after the Effective Date will show that you have accepted the amended Terms and Conditions.

17.4 Changes made to our Terms and Conditions will normally only apply to your use of our Service after the Effective Date but may also apply to any transactions or other use of our Service initiated before the Effective Date where this is required by law.

The Effective Date for the current version of the Terms and Conditions is 09 October, 2018.

18. No Financial Advice

18.1 Our Service and any information displayed on our website or live chat applications does not constitute investment or financial advice, and nothing relating to the provision of the information herein shall be construed as creating a fiduciary, financial or other advisory relationship between Bazar Money Transfer and you or any other third party.

18.2 We do not accept any liability for any loss or damage which is incurred from you acting or not acting as a result of reading any of our publications. You acknowledge that you use the information we provide at your own risk.

18.3 Our publications do not offer investment advice and nothing in them should be construed as investment advice. Our publications are solely for information and education purposes.

18.4 The information contained in our publications is not, and should not be read as, an offer or recommendation to buy or sell or a solicitation of an offer or recommendation to buy or sell any securities. Our publications are not, and should not be seen as, a recommendation to use any particular investment strategy.

18.2 Any comments or statements made are not a recommendation for you, for any particular course of action and should not be regarded as investment advice.

19. Jurisdiction

19.1 These Terms and Conditions will be governed and construed in accordance with English and Canada Law and any arising dispute pursuant to these Terms and Conditions will be determined by the courts in England and Canada.

19.2 You agree that English and Canada courts have exclusive jurisdiction for any disputes.

19.3 All communications between us and you shall be made in the English language. Where any translation of our Terms and Conditions is undertaken into another language the English version of our Terms and Conditions shall prevail over any translation.

Contact Information Registered Offices:

Bazar Money Transfer Ltd
Level 37, One Canada Square, Canary Wharf
London, United Kingdom, E14 5AA
United Kingdom
Registered in England and Wales Number: 12506442
email:[helpdesk@BazarMoneyTransfer.com]

168 Steeles Avenue,
East Thornhill, ON,
Canada L3T 1A5.
Registered in Canada Incorporation Number: 002295277
email:[helpdesk@BazarMoneyTransfer.com]

Legal Disclaimer:

Bazar Money Transfer Inc. Online Service is offered in Canada, Incorporation Number: 5053698, registered address: First Canadian Place, 100 King Street West, Suite 5600 Toronto, ON M5X 1C9. It’s registered by The Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) under Money Service Business (MSB) Regulations, MSB Registration Number M21422656.

Bazar Money Transfer Ltd Online Service is offered in United Kingdom, Company Number: 12506442, registered address: Level 37,One Canada Square, Canary Wharf, London, UK E14 5AA and also registered by the Financial Conduct Authority (FCA) under Small Payment Institution (SPI) Regulations, Firm Reference 935784

© 2021 Bazar Money Transfer Ltd. All Rights Reserved