Terms & Conditions for www.mycurrencyrewards.co.uk

This website is provided by Tekbag UK Ltd t/a My Currency Rewards. Tekbag UK Ltd is registered at Companies House Reg No: 04808013 .

Basis of Agreement

Provision of all offers and discounts through our Rewards Programme is supplied by our selected third parties: World Privilege Plus Ltd and Arrivia Discover 365. Once you have selected to transfer to any of our third party suppliers you are liable to the terms and conditions as shown on their websites.Your annual subscription fee is for access to our Reward Programme website www.mycurrecnyrewards.co.uk, our foreign currency Super Saver Rates and Preferential Rates are offered as an additional bounus and do not form part of your subscription and may be withdrawn at any time.

Tekbag UK ltd holds no responsibility for any inaccurate information, material loss, or damage that may occur on the this website or any third-party suppliers website. If you have any problems on the website, please contact us in the first instance and we will endeavour to correct the problem.

Your use of this website ("the Website") is subject to these Conditions, which may be amended from time to time. Accordingly, by using the Website you are deemed to accept these Conditions without modification. If you do not agree with these Conditions you are not authorised to use the Website.

Use of the website

We grant you the right to access the Website for your personal and non-commercial use. You may for your own use only, view, copy and print out materials included on it (except for any source codes).

You may not modify, copy, distribute, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Website, its contents and any related software.

You warrant to us that you will not use the Website for any purpose that is unlawful or prohibited by these Conditions.

You acknowledge that the inclusion of hyperlinks on the Website does not imply any endorsement by us of the material on such websites or any association with their operators and that if you use these hyperlinks you will be leaving the Website.

You acknowledge that the copyright in and all other intellectual property rights in the Website, its contents and the underlying software and any related software belong to, or are licensed to us and that, except as provided by these Conditions, you will acquire no rights in the Website, its contents and the underlying software and/or any related software.

Viruses

Whilst we will take reasonable steps to exclude viruses from the Website, we cannot guarantee such exclusion and no liability is accepted for viruses. You are recommended to take all appropriate safeguards against viruses before accessing the Website, its contents and the underlying software and/or any related software.

Our Obligations and Disclaimer

We may at any time and for any reason correct without liability any typographical, clerical or other error or omission in the information contained on the Website, and we reserve the right to make amendments and/or improvements on the Website at any time.

The material featured on the Website is provided on an "as is" and "as available" basis and accordingly we do not give any warranty (express or implied) or make any representation that the material will be suitable for any particular requirement of yours or use by you; our online service will operate error free or without interruption or that any errors will be corrected; or the material is complete, accurate or up to date.

We have no liability for any errors or omissions in postings or for hyperlinks contained on the Website or embedded in messages included by contributors to the Forums (as defined below). We shall exercise reasonable care in compiling the Website; however we have no liability for any action (or any lack of action) taken by any person or organisation, wherever they are based, as a result, direct or otherwise, of information contained in or accessed through any hyperlink and/or the Forums.

Liability

Our liability, and the liability of our agents, employees and sub-contractors, to you or any other party for any loss or damage whatsoever arising in connection with the Website (whether under these Conditions or any contract or in consequence of misrepresentation, misstatement or tortious act or omission, or otherwise, including, without limitation, liability for negligence or breach of statutory duty) is limited as follows:

• no liability is accepted for any financial loss or loss of anticipated savings, profits or otherwise.
• no liability is accepted for any consequential loss or damage, costs, expenses or other claims for consequential compensation whatsoever (whether or not we have been advised of the possibility of such loss occurring); and/or:
• all other liability is limited to damages not exceeding the current Membership Fee payable in respect of any single incident or series of connected incidents.

Nothing in these Conditions shall exclude our liability for death or personal injury as a result of negligence.

In accordance with the Consumer Transactions (Restrictions on Statements) Order 1976 nothing in these Conditions shall affect your statutory rights as a consumer.

Matters beyond our reasonable control

If we cannot provide you with access to the Website and/or the on-line services in accordance with these Conditions because of something beyond our reasonable control, including (without limitation) act of God, lighting, flood, exceptionally severe weather, fire, explosion, war, civil disorder, industrial disputes, acts or omissions of persons for whom we are not responsible (including telecommunications and internet service providers) or acts of local or central Government or other competent authorities, we will not be liable to you as a result.

General

These Conditions constitute the entire agreement between us relating to your use of the Website, supersede any previous agreement or understanding and may not be varied except in writing by you and us or as provided in these Conditions. All other terms and conditions, express or implied by statute or otherwise are excluded to the fullest extent permitted by law.

You acknowledge that we may modify these Conditions at any time for any reason.

In these Conditions words importing gender include each other gender; references to persons include bodies corporate, firms and unincorporated associations; and the singular includes the plural and vice versa.

The headings in these Conditions are included for convenience only and shall not affect their interpretation.

Nothing in these Conditions is expressly or impliedly intended to confer on any third party any right to enforce any of its provisions pursuant to the Contracts (Rights of Third Parties) Act 1999 except our agents, employees and sub-contractors.

Any notice required or permitted to be given by either of us to the other under these Conditions shall be in writing and in the English language and addressed to us at our registered office and to you at the address given on the Membership Registration Form or to such other address as may at the relevant time have been notified to the other by giving notice pursuant to this provision. Any such notice shall be sufficiently given if forwarded by first class pre-paid mail (if both of us are situated within the United Kingdom) or sent by air mail (in all other circumstances) and shall be deemed to have been received and given (a) in the case of first class pre-paid mail, two days after the date of mailing and (b) in the case of pre-paid air mail, 7 days after the date of mailing.

No waiver by us of any breach of these Conditions by you shall be considered as a waiver of any subsequent breach of the same or any other provision.

If any provision of these Conditions is held invalid or unenforceable in any jurisdiction then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision. In the event that a provision is rendered void and unenforceable this shall be ineffective to the extent of such invalidity or unenforceability without invalidating or rendering unenforceable the remaining provisions of these Conditions, and any such invalidity or unenforceability in any jurisdiction shall not invalidate or render unenforceable such provisions in any other jurisdiction.

These Conditions are subject to the laws of England and Wales and you agree for our benefit to submit to the exclusive jurisdiction of the English Courts.

Use of the Website is unauthorised in any jurisdiction that does not give effect to any provisions of these Conditions.

Subscribing

You will need to subscribe to our website to access our Reward Programme and any additional added bonuses. Our normal subscription fee at the time of purchase applies but we do supply our services to employees and members of companies or organisations at a reduced price and with extra benefits included.Your subscription fee is for your Reward Programme and our special currency rates do not form part of your subscription but are offered as an added bonus. When subscribing you will be asked for your "Area", we offer free delivery on foreign currency to our immediate local area, please select your CA post code from the pick list. If you select one of these CA post code areas but it does not match your delivery address post code we will be unable to process your order unless the applicable delivery charge is paid. You will be able to cancel your order and have your payment refunded. Our free delivery service may incur a charge during any pandemic, this will be shown on checkout. Please select "Rest of UK" if you live outside of the free delivery area.

Company and Organisation Registrations

Some Companies or Organisations may choose to register their employees or members via our Bulk registration process, it is the sole responsibilty of each company or organisation to get the proper pemissions from their employees or members to pass any personal information on to us for the bulk upload process.

Companies or Organisations may choose to pass on a specific discount codes to their employees or members so they can register themselves at a reduced or zero cost fee, we reserve the right to cross reference any applications using a discount code with the company or organisation involved.If a subscriber is found not to belong to the compnay or organisation stated during the registration process and can not provide any evidence to the contrary we reserve the right to cancel the membership and withold any monies paid

Our Travel Savings Programme and the Buy 1-get-1 Half Price Cruise Voucher are provided as an extra benefit to members that are registered by their Company or Organisation. Our Travel Savings programme is provided by Arrivia Europe Ltd T/A Discover 365 and any other trading names used by Arrivia Europe Ltd. Once you enter the Arrivia Discover 365 website you are bound by the terms and conditions as shown on their website. All offers and promotions provided by Arrivia Discover 365 either on the website or via emails or social media channels that we may pass on to our clients are the resposibility of Arrivia Discover 365 and we are not responsible for any content provided to us and passed on in good faith

Any extra Company or Orgasnisation benefits provided such as Travel Savings or Buy One Get One Half Price Cruise Offers are offered as an extra benefit by our third party providers. These extra benefits may be time limited and withdrawn at any time dpendent on our third party provider T&C's.

Upon any annual renewal of subscriptions any exta benefits available for renewals will apply at the time of renewal, extra beneifts such as Gold membership of the Arrivia Discover 365 programme, Buy 1-gewt-1 Half Price Cruise Voucher may incur an extra charge on top of any renewal subscription fee but will be offered as an extra benefit purchase.

Ordering your Travel Money.

This internet web site is provided by Tekbag UK Ltd t/a My Currency Rewards.

These Online Terms and Conditions apply to our online ordering facility for foreign currency banknotes.

The on-line ordering service is only available to individuals aged 18 years or over, and who are resident in the UK.

The on-line ordering service may only be used to order Travel Money for holiday or business travel and not for speculative, investment or any other purposes. By ordering Travel Money from us, you confirm that you have read and understood the Online Terms and Conditions and agree to be bound by them and to comply with all applicable laws and regulations.

The Service is only available for the currencies listed from time to time on the online ordering screen. All orders are subject to a maximum value of £2,500 per order. We may accept orders of a higher amount but only with the required I.D and with direct contact via email or telephone.

Currency availability may be subject to further monetary limits, currency exchange restrictions and to customers complying with all applicable laws and regulations, including those relating to anti-money laundering regulations.

Once you have registered for our subscription service you will have access to our foreign currency ordering service. You will be able to order one currency order using our Super Saver rates per 12 month subscription period. You can place this order at any point over the 12 month period, once you have placed your Super Saver Rate order our system will only allow orders at preferential rates for the remaining time of your subscription period. You can place unlimited currency orders using our Preferential Rates within our Anti-Money Laundering policy restrictions.

Placing an Order to collect In Store and Home Delivery

When you place your order, you will be given the option of whether you want to place an order for collection by you at our branch in Egremont, Cumbria, free of charge, or delivery to your home — a delivery charge may be applicable.

To place an order, follow the instructions on the ordering screen. Once you have entered the ordering screen you must complete your order within 40 minutes otherwise your session may time out and you will have to restart the order process. You are able to correct errors on your order up to the point at which you click on "Complete Order" on the payment details screen.

You will be required to pay for the Travel Money at the time of ordering by the Bank Faster Payment scheme, or debit/credit card. The exchange rates we quote are subject to change. We will use the exchange rate (as set by us) that appears on the ordering screen at the time we receive your order. We reserve the right to cancel an order and issue a refund in the event of extreme fluctuations in the foreign currency market.

You must provide the requested information for us to process your order. We reserve the right to request further information from you at any time to enable us to complete your order and/or to comply with regulatory anti-money laundering requirements.

We will use various procedures to authenticate each transaction and may, at any time, decline to process your order or any part of your order for any reason. By placing an order, you confirm that the details contained in the order are correct in all respects. The system will display a confirmation screen setting out the details of your order. This confirms receipt of your order.

Collecting Your Travel Money

If you are collecting your currency at our branch and require your order that day, or within our normal delivery schedule, you should ring Tel: 01946 825376  prior to ordering. If we have available stock, we can arrange immediate collection. We can only complete your order upon receipt of cleared funds.

If you choose to place an order for collection, orders can be collected by the person named on the order only. Collection is subject to the opening times of the collection location: Monday – Friday 9.30 a.m. – 16.00 p.m. Please remember to allow sufficient time to make your collection before departing.

At the time of collection, the cardholder will need to produce I.D. such as valid UK passport or UK Photographic Driving Licence for identification purposes, or the card used to make the purchase. Depending on your order, My Currency Rewards reserves the right to ask for further information and identification (such as proof of residential address) in accordance with its anti-money laundering policies. The name on the card used to make the purchase must match that on the identification document(s) used.

In order to enable My Currency Rewards to comply with its anti-money laundering and other legal obligations and its internal risk and fraud policies, My Currency Rewards reserves the right to take a copy of your identification document(s) and the card used to make the purchase, at the time of collection.

Home Delivery

If you select Home Delivery for your currency and require your order next day, or within our normal 5 working day schedule, you should ring Tel: 01946 825376  prior to ordering. If we have available stock, we can arrange next day delivery. We can only despatch your order upon receipt of cleared funds.

When you specify your delivery address for your currency order, we strongly recommend that you have your order delivered to your Home Address (mandatory when paying by Debit Card) if you select a work address, or other address, we are not liable for any loss, due to your order going missing once it has been signed for, either by yourself or another person at the specified address. A fee may be applicable on all delivered orders; this fee is subject to change.

A signature will be required on delivery

All foreign currency banknote delivery orders are sent by Royal Mail Special Delivery (unless delivered by My Currency Rewards personnel). A valid landline home telephone number or mobile number is required for home delivery.

Royal Mail Special Delivery is available to 99% of UK addresses. For details and exceptions visit www.royalmail.com.

Please be aware that we are not responsible for any delays that may occur due to Royal Mail Industrial action or other delays that may affect Royal Mail such as a pandemic . All orders sent by Royal Mail Special Delivery are subject to Royal Mails terms and conditions, please read them at  www.royalmail.com

Replacements and Returns

If you fail to accept delivery for any reason and wish your order to be re-delivered you will have to pay additional delivery charges.

Please place all orders at least 5 working days before it is required. We will not be liable for any losses or expenses arising from late or non-delivery, if Royal Mail fails to deliver an order, a full refund may only be given after 10 working days of dispatch.

If you do receive an incorrect order because of a fault on our part, we will send a replacement. You agree to return the original order by Royal Mail Special Delivery within 3 days and we will reimburse the return postage to you. If we provide a replacement order and the original order is not returned within 3 days, we reserve the right to charge you for both orders.

If the value of the foreign currency banknotes is, in our error, greater than you ordered, you will return the excess to us by Royal Mail Special Delivery within 14 days and we will reimburse the return postage to you.

In the event you are entitled to a return or a replacement, please contact customer services on Tel:01946 825376 (Monday to Friday 9.00 a.m. – 5.00 p.m.)

Your Right to Cancel

If you placed an order for collection by you, this order can be cancelled at any time prior to collection by calling customer services on Tel:01946 825376 (Monday to Friday 9.00 a.m. – 5.00 p.m.) or by email on  orders@mycurrencyrewards.co.uk . Cancelled orders will be refunded with the full Sterling amount that you paid for your Travel Money order less a £10 cancellation fee.

If you placed an order for home delivery, this cannot be cancelled or amended once the order has been despatched.

If you wish to return an order placed for home delivery, we can buy it back from you, but it is not guaranteed that you will obtain the same exchange rate at which the order was placed. The delivery charge is also non-refundable.

If you have placed an order for collection and you fail to collect your order within 6 working days, then your order will be marked as non-collected and will be treated in the same way as a cancellation with a £10 cancellation fee.

My Currency Rewards will process cancelled or non-collected orders expeditiously and will organise refunds. Refunds may take from 2 to 10 days. Please note that My Currency Rewards does not refund cash advance charges made by your card issuer and that any late cancellation fee may also be subject to a cash advance fee from your card issuer.

The provisions of this cancellation clause do not affect your statutory rights.

Foreign Currency Buy Back Service

You can return your unused foreign currency to us at: My Currency Rewards, 43 Main Street, Egremont, Cumbria. CA22 2AD. We are not liable for any money lost during transit to us.

We advise you to send all returns by Royal Mail Special Delivery with adequate insurance cover.

Payments to you must be made by BACS transfer to your named account.

If you are not happy with the rate specified, we reserve the right to withhold the equivalent of £10 in the currency supplied to us, using the rate provided by us, to cover administration costs and postage costs in returning your currency to you.

You must provide contact details when returning your currency to us.

Corrections and Complaints

If you need to make any changes to your order after you have clicked "Complete Order" on the payment details screen, or have any comments or complaints please contact us via one of the following methods: by emailing us at  customerservices@mycurrencyrewards.co.uk  or ring us on Tel: 01946 825376 ; or by writing to us at My Currency Rewards, 43 Main Street, Egremont, Cumbria, CA22 2AD.

When you place an order for Travel Money, we are entering a contract with you personally. Debit / Credit Card Charges

My Currency Rewards does not currently charge for Debit/Credit card transactions.

Debit/Credit cards may be subject to a card handling fee or cash advance fee set by your card issuer.

Third Party Rights

Nothing in these terms will confer any benefit on any third party or any right to enforce these terms.

Personal Information and Payment Security

Please click on our Privacy Policy link to find out how we use your personal information. By using the Website, you consent to such use and warrant that all information provided by you is accurate.

If you have been granted access to the My Currency Rewards website by your Company or Organisation we deem that you have given consent to your company or organisation to pass your personal detials to us for the sole use of registering you on our Rewards Programme plaftform.

We use secure server software to make our internet transactions secure.

All debit card holders are 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.

3D Secure is a payment verification protocol used by major card issuers, branded as 'MasterCard Secure Code' and 'Verified by Visa' to prevent credit card fraud. Depending on the card issuer, 3D Secure is an opt-out option or a required service for using the card to make internet purchases. Cards registered with 3D Secure require the user to enter a Personal Identification Number (PIN) code or password. This PIN code is not the same PIN code issued with the card.

3D Secure verifies the card details provided by you. The system is completely automated, and we do not store or process any of the data provided by the 3D Secure system.

Limiting Our Liability

All content and services on or available through the Website are provided on an "as is" basis and My Currency Rewards does not make any representation or give any warranty in respect of the Website or its content. In particular, My Currency Rewards does not give any warranty as to the accuracy, suitability, reliability, completeness, performance, fitness, freedom from viruses or timeliness of the content or services contained on the Website.

Moreover, but without limiting the exclusion, the information services on the Website are intended for use by holiday or business travellers or by individuals or companies seeking to make payments abroad in foreign currencies and should not be used for speculation or investment. These information services and other content of the Website are not intended to amount to advice on which reliance should be placed. We accept no responsibility or liability arising from any reliance placed on such services by any visitor to the Website or by anyone who may be informed of any of its contents. In addition, we give no assurances that you will receive the services for which you register.

We use reasonable care and skill in providing the Service. However, we shall not be liable to you for the following:

• if we are unable to perform any of our obligations to you due to failure of any technical systems or for any other reasons beyond our reasonable control including, amongst other things, war, terrorism, government action, natural disaster, and industrial dispute.
• for any damage to your computer equipment as a result of using the Website or the Service; or
• for any indirect, or consequential losses, claims or damages suffered by you or incurred from your use or delay or inability to use the Website or the Service however caused.

Our maximum liability to you in respect of each use of the Service for a Travel Money order shall be to refund the purchase price of that Travel Money order. The disclaimers and limitations of liability in these Online Terms and Conditions shall not apply to any damages arising from death or personal injury caused by the negligence of My Currency Rewards or any of its employees or agents or for fraud. If any provisions of these Online Terms and Conditions including any disclaimers and limitations is found to be unlawful or unenforceable then such provisions shall fall away and shall not affect the validity and enforceability of the remaining terms. This does not affect your statutory rights.

Alteration of Terms

We may, at any time, with immediate effect, in respect of future orders, change, suspend or withdraw the Website, the Service and these Online Terms and Conditions without notice and without liability to you. If we revise these terms, we will post the revised version on the Website. You are expected to check our Online Terms and Conditions from time to time to take notice of any changes we make, as they are binding on you. By using the Website or the Service or by placing orders after we have changed these terms, you will be accepting the changes.

These Online Terms and Conditions were last updated on 1st January 2022.