Privacy Policy

Last updated: February 25, 2025

This Privacy Policy describes Continental Money Transfer Limited (CMT)'s policies and procedures on the collection, use and disclosure of your information when you use the Service and tells you about your privacy rights and how the law protects you.

We use your personal data to provide and improve the Services we provide. By using the Service, you agree to the gathering and use of information in accordance with this Privacy Policy. We work with Checkin.com as a recipient of personal data. The purpose of this data sharing is to identify users and/or verify documents.

Interpretation and Definitions

Interpretation:

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

  1. Payment Account means a unique account created for You to access our Service or parts of our Service.
  2. Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Continental Money Transfer Limited, 9 Greyfriars Road, Reading, Berkshire, RG1 1NU.
  3. Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
  4. Country refers to: United Kingdom
  5. Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
  6. Personal Data is any information that relates to an identified or identifiable individual.
  7. Service refers to the CMT Website.
  8. Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
  9. Third-party Social Media Service refers to any website or any social network website through which a User can log in or create an account to use the Service.
  10. Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
  11. Website refers to Continental Money Transfer, accessible from https://www.continental.money
  12. You means the individual accessing or using the Service of which such individual is accessing or using the Service, as applicable.

Collecting and Using Your Personal Data

Types of Data Collected:

  1. Personal Data

    While using Our Service, we may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personal identifiable information may include, but is not limited to:

    • Email address
    • First name and last name
    • Phone number
    • Address, State, Province, ZIP/Postal code, City, Country
  2. Usage Data

    Usage Data is collected automatically when using the Service. Usage Data may include information such as your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data. When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.

    We may also collect information that Your browser sends whenever You visit Our Service or when You access the Service by or through a mobile device.

  3. Tracking Technologies and Cookies

    We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. You can instruct your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if you do not accept Cookies, You may not be able to use some parts of our Service.

    Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on yYour personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser. Learn more about cookies: All About Cookies. We use both session and persistent Cookies for the purposes set out below:

    1. Necessary / Essential Cookies

      Type: Session Cookies

      Administered by: Us

      Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.

    2. Cookies Policy / Notice Acceptance Cookies

      Type: Persistent Cookies

      Administered by: Us

      Purpose: These Cookies identify if users have accepted the use of cookies on the website.

    3. Functionality Cookies

      Type: Persistent Cookies

      Administered by: Us

      Purpose: These Cookies allow Us to remember choices You make when You use the website, such as remembering Your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter Your preferences every time You use the website.

      For more information about the cookies We use and Your choices regarding cookies, please visit Our Cookies Policy or the Cookies section of Our Privacy Policy.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

  1. To provide and maintain our Service, including to monitor the usage of Our Service.
  2. To manage Your Account:to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
  3. For the performance of a contract:the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
  4. To contact You:To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
  5. To provide Youwith news, special offers and general information about other goods, services and events which We offer that are similar to those that You have already purchased or enquired about unless You have opted not to receive such information.
  6. To manage Your requests:To attend and manage Your requests to Us.

We may share Your personal information in the following situations:

  1. With Service Providers:We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
  2. For Business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
  3. With Affiliates:We may share Your information with Our affiliates, in which case We will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
  4. With Business partners:We may share Your information with Our business partners to offer you certain products, services or promotions.
  5. With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside. If You interact with other users or register through a Third-Party Social Media Service, Your contacts on the Third-Party Social Media Service may see Your name, profile, pictures and description of Your activity. Similarly, other users will be able to view descriptions of Your activity, communicate with You and view Your profile.

Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with Our legal obligations (for example, if we are required to retain Your data to comply with applicable laws), resolve disputes, and enforce Our legal agreements and policies.

The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by your submission of such information represents Your agreement to that transfer. The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Disclosure of Your Personal Data

Business Transactions:
If the Company is involved in a merger, acquisition or asset sale, your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law enforcement:
Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements:
The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

  1. Comply with a legal obligation
  2. Protect and defend the rights or property of the Company
  3. Prevent or investigate possible wrongdoing in connection with the Service
  4. Protect the personal safety of Users of the Service or the public
  5. Protect against legal liability

Security of Your Personal Data

The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect your Personal Data, We cannot guarantee its absolute security.

Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, you will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, you can contact us:

  1. By email: admin@continental.money.
  2. By visiting this page on our website: https://www.continental.money.
  3. By phone number: +44 7401229705
  4. By postal mail: 9 Greyfriars Road, Reading, Berkshire, RG1 1NU.

Terms and Conditions

  1. THE FOLLOWING DEFINITIONS APPLY TO THIS AGREEMENT, HEREINAFTER REFERRED TO AS THE “CMT AGREEMENT”.
    1. These terms and conditions (“Terms and Conditions”) exercises control over the terms under which you may have access and use the Continental Money Transfer (CMT) website (and for these Terms and Conditions “website” will include our CMT App (where applicable) and the services associated with it (together, the “Service”). By accessing, registering with and using the Service, you agree to be bound by the terms of the Terms and Conditions. If you do not wish to be bound by the Terms and Conditions do not access, register with or use the Service. The language of these Terms and Conditions is English and all Services, instructions and transactions carried out in connection with it shall be in English.
    2. In these Terms and Conditions, the terms “CMT”, “we”, “us”, and “our” refer to Continental Money Transfer Limited, together with its employees, directors, affiliates, successors, and assigns. Continental Money Transfer Ltd is Registered and Regulated by the Financial Conduct Authority (FCA) under the Payment Service Regulations 2017 for the provision of payment services. Registration number: 911267. Continental Money Transfer Ltd is registered in England and Wales with Company registration number: 11234583.
    3. The terms “you” and “your” refer to users of the Service, as Senders, Beneficiaries, other users or visitors to the website or app.
    4. These Terms and Conditions are effective from the date on which you first access, register or use the Service. The Terms and Conditions may change from time to time, but changes will only be effective 2 months from the date they are first notified to you and will not change the terms on which you previously used the Service.
    5. The Service was created: (a) to assist customers to send money to their family and friends, in Ghana and any new countries where we may offer our services (b) to offer other services in line with our remittance approved permissible activities. For security reasons, we recommend that you only send money through the Service to people you know personally. You must not use the Service to send money to strangers, for example sellers of goods and/or services, whether private or retail.
  2. DEFINITIONS

    In these Terms and Conditions:

    1. App means CMT’s mobile application for the sending of Payment Requests and/or Transaction Requests.
    2. Business Day means any day on which we are open for business for the execution of Transaction Requests and/or Payment Requests.
    3. Distribution Country means the country in which the beneficiary receives money through the Service.
    4. Payment Instructionmeans a Payment Request and/or a Transaction Request.
    5. Local Taxes means any taxes or charges payable in the Distribution Country.
    6. Beneficiary means someone who receives money through the Service.
    7. Payment Instrument means a valid instrument of payment such as a bank account, debit card or credit card.
    8. Payment Request means a specific instruction from you to a Sender requesting a Transaction.
    9. Payout Amount means the amount paid out, after any foreign exchange conversion, to the Beneficiaries’ account exclusive of the Service Fee charged.
    10. Prohibited means activities which involve narcotics, steroids, pharmaceuticals, chemicals, drug paraphernalia, tobacco, seeds, plants, animals, military or semi-military goods or services, weapons (including dual-use goods), adult services or content, bitcoin or other cryptocurrency, binary options or gambling services or any other activities that are prohibited by CMT’s policies as amended from time to time.
    11. Recipient means:
      1. a Beneficiary; or
      2. in the event that you are using the Service to send a Payment Request, someone who receives the Payment Request.
    12. Sender means someone who uses the Service to send money.
    13. Service Fee means CMT’s fee plus any additional charges or Local Taxes applicable to each Transaction, which CMT may charge in its sole discretion in accordance with applicable laws, as may be described on the CMT website from time to time.
    14. Service Provider means a local bank, money exchange house, or other third-party service providers (e.g. mobile network operators) in the Distribution Country with whom CMT works to provide the Service.
    15. Transaction means the transfer of money through the Service.
    16. Transaction Amount means the amount of money that the Sender wishes to send to the Payee as a Transaction, excluding any applicable Service Fee and prior to any foreign exchange conversion.
    17. Transaction History means the record of your Transactions on our website which you may access using your email and password registration details.
    18. Transaction Request means a specific instruction from you requesting us to send money to a Beneficiary through the Service.
  3. OUR OBLIGATIONS
    1. Subject to these Terms and Conditions, we agree to provide the Service to you using reasonable care. You accept that the Service may not be available, in whole or in part, in certain regions, countries, or jurisdictions.
    2. We are not obliged to undertake any particular Transaction. When you submit a Transaction Request, you are requesting that we process the Transaction on your behalf and consenting to the implementation of the Transaction. We may, in our sole discretion, choose whether to accept the offer to process that Transaction. If we decide not to process the Transaction, we will notify you promptly of that decision and repay to you the Transaction Amount received by us, provided that we are not prohibited by law from doing so. If we choose to proceed with the Transaction we may still suspend or cancel it in our sole discretion.
    3. CMT reserves the right to alter or terminate the Service or any part of the Service without notice, at any time and from time to time.
    4. We may, in our absolute discretion, reject any Transaction Request (as further detailed in clause 5) 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.
    5. Delivery times quoted on our service levels or elsewhere on our website are representative for the “normal” / average service and are not a guarantee of an individual Service or Transaction time.
    6. We will attempt to process Transactions promptly, but any Transaction may be delayed or cancelled for a number of reasons including but not limited to: our efforts to verify your identity; to validate your Transaction instructions; to contact you; or due to variations in business hours and currency availability; or otherwise to comply with applicable law.
    7. We may send and receive information in relation to Transactions by email and SMS. We will provide you with notification after receipt of a Transaction Request enabling you to identify the Transaction, along with details of the amount of the Transaction in the currency used in the Transaction Request, our Service Fee, exchange rate and/or cross rate and the date on which the Transaction Request was received.
    8. For the purpose of the Payment Services Regulations 2017, the following fields either in totality or a subset thereof can be unique identifiers:
    9. Mobile Top Up/money – A number of countries around the world have chosen to apply local taxes to incoming Airtime Top Ups and mobile wallets. When sending to a Recipient in these countries the corresponding deduction will be made from the Transaction Amount. Meaning the Recipient will get a lower amount of Airtime Top Up/Mobile Money.
      • Bank Transfers
      • Bank Name
      • Branch Name
      • Account Number
      • Bank Code
      • Branch Code
      • IBAN
      • BIC (or SWIFT)
      • Account Type
      • Cash Pick Up
      • Payee Full Name
      • Mobile Money
      • Mobile Money Account Number
    10. In the event that you have provided us with an incorrect unique identifier in respect of a Transaction which falls under the Payment Services Regulations 2017 and your Transaction has been misdirected, you may make a written request for the full details of the Beneficiary by contacting CMT using one of the channels listed at the end of these Terms and Conditions and we will provide you with such details to the extent required and permitted by law.
  4. YOUR OBLIGATIONS
    1. You agree that:
      1. you will not access, use or attempt to use the Service to provide any Instructions unless you are at least 18 years old, and that you have the legal capacity to form a binding legal contract in any relevant jurisdiction;
      2. for each Transaction Request that you submit, you will pay us the Service Fee in addition to the Transaction Amount. Payment becomes due at the time that you submit your Transaction Request. To the maximum extent permitted by law, the Service Fee is non-refundable unless expressly stated in these Terms and Conditions. If you submit a Transaction Request that results in CMT becoming liable for charges including but not limited to chargeback or other fees, you agree to reimburse us for all such fees;
      3. we may apply a convenience fee for processing credit cards in certain jurisdictions at our sole discretion;
      4. you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Service or any Instruction being conducted through the Service;
      5. in connection with your registration and use of the Service, you will:
        1. provide us with true, accurate, current and complete evidence of your identity, and promptly update your personal information if it changes;
        2. provide us with any identity documentations as may be requested by us;
        3. provide us with details of one or more Payment Instruments;
        4. provide us with true, accurate, current and complete information as we indicate on the website is required to receive the Service and any other information which may be required in relation to the Recipient;
        5. provide us with:
          1. any other information that must be provided for a Transaction Request to be properly executed, as specified when you enter the details of the Transaction you are interested in on our website; and
          2. such information relating to the Transaction as detailed in clause 5.4.
    2. We do not accept any liability for loss or damages to you or any third party resulting from non-payment or delay in payment of a Payout Amount to a Beneficiary or failure to perform an Instruction under the Service if you are in breach of your obligations listed in clause 4.1.
    3. When you are using the Service under these Terms and Conditions, it is your responsibility to make sure all the details are accurate before submission. Once a Transaction Request has been received it is not normally possible to change any details of that Transaction Request. You will be given the opportunity to confirm Transaction Requests before submission and you must check the details carefully.
    4. The total amount (the Transaction Amount, Service Fee and other applicable fees and charges) that you will be required to pay and the relevant exchange rate and cross rate will be displayed clearly on the website before you are asked to confirm your Transaction and proceeding with the Transaction at this point is entirely optional.
    5. When you pay a Transaction Amount in one currency and the Payout Amount is in another currency, there will be a difference between the exchange rate and Cross rate at which we buy foreign currency and the exchange rate and Cross Rate provided to you. CMT and its Service Providers usually make a small profit in these circumstances. We guarantee you the Payout Amount in local currency. The margin taken on foreign currency exchange covers our risk in guaranteeing this. If a Beneficiary’s account is denominated in a currency other than the currency you instructed us to make payment in there may be delays, additional charges or different exchange rates. The Sender is therefore responsible for ensuring that the currency requested for the Transaction matches the currency of the account where the funds are to be delivered.
    6. CMT 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.
    7. You will only use the Service to send money to people that you know personally and not to pay for goods or services from third parties you do not know and trust. You acknowledge that CMT may refuse to process your Transaction Request where we believe you are using the Service to purchase goods or services from third parties you do not know and trust or where we believe that the Service is being used, by you or the Recipient, in furtherance of fraudulent, illegal or Prohibited and non-permissible activities. If you choose to pay third parties for goods and services using the Service, you acknowledge that CMT 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.
    8. Both you and the Beneficiary will only act on your own behalf. You may not submit an Instruction on behalf of a third person. If you intend to submit an Instruction on behalf of a third person, you must first inform CMT of your desire and intention to do so and provide us with any additional information about the third person we may request in order that we may decide whether to permit the Instruction.
    9. In using the Service you will comply with these Terms and Conditions as well as any applicable laws, rules or regulations. It is a breach of these Terms and Conditions to use the Service to send Transaction Amounts: (i) to a Beneficiary who has violated the Terms and Conditions, or (ii) in connection with illegal activity including but not limited to money-laundering, fraud and the funding of terrorist organizations. If CMT reasonably believes you are using the Service in connection with illegal activity or for any fraudulent purpose, or are permitting a third party to do so, CMT may report you to the appropriate legal authorities.
    10. When using our website or the Service or when interacting with CMT, with another user or with a third party, you will not:
      1. breach these Terms and Conditions, or any other agreement between you and CMT;
      2. create more than one registration without our prior written permission;
      3. provide false, inaccurate, or misleading information;
      4. allow anyone else access to your registration details, and you will keep those details safe and secure;
      5. refuse to provide confirmation of any information you provide to us, including proof of identity, or refuse to co-operate in any investigation;
      6. use an anonymizing proxy (a tool that attempts to make activity untraceable); or
      7. copy or monitor our website using any robot, spider, or other automatic device or manual process, without our prior written permission.
    11. You acknowledge that nothing in these Terms and Conditions or in any other information provided by CMT as part of the Service is intended to be, nor should it be construed to be, legal or other advice. If required, you agree to consult your own professional advisers as to the effects of English or foreign laws which may apply to the Service.
  5. OUR RIGHT TO REFUSAL, SUSPENSION OR CANCELLATION
    1. We may refuse any Transaction Request, Payment Request or Transaction at any time for any reason (or cancel it where relevant). Notwithstanding this, we set out here some examples of when that may occur.
      1. We may, in our absolute discretion, refuse or cancel Transaction Requests or Transactions where we believe that the Service is being used, whether by you or the Beneficiary, in furtherance of illegal, fraudulent or Prohibited activities.
      2. We may, in our absolute discretion, refuse or cancel Transaction Requests or Transactions from certain Senders or to certain Beneficiaries, including but not limited to entities and individuals on restricted or prohibited lists issued from time to time by any government authorities, if we are required to do so by law, or where we have reason to believe processing the Transaction Requests would violate anti-money laundering or counter-terrorism financing laws and regulations. We may refuse to process a Transaction funded from certain Payment Instruments where we have reason to believe the security of the Payment Instrument has been compromised or where we suspect the unauthorized or fraudulent use of the Payment Instrument.
      3. We may, in our absolute discretion, refuse or cancel Transaction Requests or Transactions if CMT believes you are using the Service to purchase goods or services from third parties you do not know or trust.
      4. We may, in our absolute discretion, refuse or cancel Transaction Requests, Payment Requests or Transactions if:
        1. CMT is unable to verify your identity;
        2. You do not comply with information requests pursuant to clause 5.4; or
        3. CMT reasonably believes you are using the Service, or allowing it to be used, in breach of these Terms and Conditions or any applicable laws, rules or regulations.
    2. Where CMT has refused or cancelled a Transaction Request, Transaction or Payment Request, CMT may also, at its discretion, temporarily or permanently suspend your Registration.
    3. Where CMT temporarily or permanently suspends your Registration, or refuses or cancels a Transaction Request, Payment Requestor a Transaction in accordance with this clause 5, CMT shall be entitled to retain any Service Fees already incurred.
    4. In order to comply with our obligations under relevant laws, we reserve the right to ask for further information or evidence relating to the purpose of a Transaction.
  6. YOUR RIGHT TO CANCELLATION; REFUNDS
    1. To the extent permitted by law, once we have received your Instruction, you do not have the automatic right to revoke it.
    2. Notwithstanding clause 6.1 above, CMT may, in its absolute discretion, or shall if required by law, attempt to cancel or recall your Instruction if you have informed us that you wish to revoke it. In some cases, CMT may have initiated an irreversible request for funds to be paid out to your Beneficiary by a Service Provider and therefore cannot guarantee cancellation will be successful. For successful revocations CMT will normally refund your money, less any reasonable revocation, recall or tracing charges and any Service Fees already charged, within five (5) Business Days.
    3. If you:
      1. have any problems using the Service; or
      2. are aware of any unauthorized or incorrectly executed Transactions;you should contact us through the channels listed at the end of these Terms and Conditions without delay and in any event no later than 14 months after the date the Transaction Amount was debited, upon becoming aware of the unauthorized or incorrectly executed Transaction. A request for a refund must be submitted in writing (including by email) to one of the contact points listed at the bottom of these Terms and Conditions, giving the Sender’s full name, address, and phone number, together with the Transaction tracking number, Transaction Amount, and the reason for your refund request.
    4. If we have executed the Transaction in accordance with the instructions you have provided to us, and that information proves to have been incorrect, we are not liable for the incorrect execution of the Transaction. We will however make reasonable efforts to recover the funds. We may charge you a reasonable fee, reflective of our efforts, to do so.
    5. Where CMT has executed the Transaction otherwise than in accordance with your Instruction, subject to clause 11.2, CMT will refund the full amount debited. Unless there are exceptional circumstances, no adjustment will be made for any currency fluctuations which may have occurred between the time you pay us the Transaction Amount and the time of credit.
    6. Any refunds will be credited back to the same Payment Instrument used to fund the Transaction and in the same currency.
  7. PAYMENT REQUEST
    1. You agree that you will not send Payment Requests to strangers i.e. people you do not know personally.
    2. You acknowledge that the Service may not be available, in whole or in part, in certain regions, countries, or jurisdictions.
    3. We are not obliged to process any Payment Request. When you submit a Payment Request, you are requesting that we process the Payment Request on your behalf and consenting to us contacting the Beneficiary we need to for these purposes. An SMS text message will be sent to the Sender that can be forwarded to the recipient at the sender’s discretion. We may, in our sole discretion, choose whether to process that Payment Request, or impose limits on Payment Requests. In particular, we may, in our absolute discretion, refuse Payment Requests and/or suspend or cancel your account with us where (i) you are in breach of clause 4, (ii) we believe that the Service is being used, whether by you, the Sender or the Beneficiary in furtherance of illegal, fraudulent or Prohibited activities, or (iii) we are required to do so by law (including applicable anti-money laundering and counter-terrorism legislation) or (iv) we are unable to verify either your identity or that of the Recipient.
    4. All Transactions that result from a Payment Request will be handled in accordance with these Terms and Conditions, which the Sender will need to accept prior to any Transaction proceeding.
    5. Cancellation of Payment Requests. Once we have received your Payment Request, you may not cancel it. In such circumstances you would need to contact the Sender separately and explain that you require the Payment Request to be treated as cancelled. Please therefore ensure that your Payment Requests are legitimate, accurate and complete.
    6. Cancellation of Transactions. The cancellation of Transactions shall be governed by and dealt in accordance with these Terms and Conditions. You shall assist and co-operate with CMT in relation to all cancellation requests we receive from Senders after a Transaction has been initiated following your Payment Request. You shall, upon request from us, promptly refund to us or a third party of our choice (including the Sender) all monies you receive from Transactions where we reasonably believe that such Transactions have resulted from your use of the Services in contravention of these Terms and Conditions.
  8. COLLECTION OF INFORMATION
    1. Customer Identification Program. English law requires all financial institutions to assist in the fight against money laundering activities and the funding of terrorism by obtaining, verifying, and recording identifying information about all customers. We may therefore require you to supply us with personal identifying information relating to you and the Beneficiary and we may also legally consult other sources to obtain information about you and the Beneficiary.
    2. Verification and Checks. We will verify your residential address and personal details to confirm your identity. We may also pass your personal information to a credit reference agency, which may keep a record of that information. Be assured that this is done only to confirm your identity, and that we do not perform credit checks and therefore your credit rating will be unaffected. We may also need to verify the identity of a Beneficiary in the same way. All information provided by you will be treated securely and strictly in accordance with the Data Protection Act 1998. We may do this directly, for example by asking you for additional information, or requiring you to take steps to confirm ownership of your Payment Instruments or email address; or indirectly, for example by verifying your information against third party databases or through other sources. The type of verification we will need can differ depending on the amount that you are sending. Usually, we verify your name, address, and date of birth. However, in some circumstances, we may also require further information to comply with our regulatory obligations. This can include your photo ID, a proof of address, the purpose of your transfer and source of funds. By accepting these Terms and Conditions you authorize us to make any inquiries we consider necessary to validate the information that you provide to us. We may require documentations to prove any of the above information.
    3. Data Privacy Policy. You consent to our processing your personal information for the purposes of providing the Service, including for verification purposes as set out in this clause. You also consent to the use of such data to enable us and our authorized third parties to communicate with you, and for statutory, accounting and archival purposes, in accordance with the terms of CMT’s Privacy Policy. You acknowledge that you have read and consented to CMT’s Privacy Policy. The Privacy Policy can be found by clicking here.
    4. Government Disclosures. 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.
    5. CMT may, as necessary in providing the Service, store all information required of a Recipient to prove his or her identity or associated with their specific Instruction. Such proofs may include a suitable form of valid, unexpired identification from a list of acceptable papers provided by the Service Provider, and/or a transaction tracking number, a personal identification number (PIN), a “password”, a “secret word”, or other similar identifiers.
  9. ACCOUNT DELETION

    You can delete your Account at any time by locating the Settings page and accessing the 'Delete Account' option in your Account settings. Once you have deleted your Account, all services under your Account will be terminated and the account will be deactivated. You will no longer have access to the CMT's services.

  10. INTELLECTUAL PROPERTY
    1. The CMT website and the CMT, 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) are owned by us, our affiliates, or third parties. All right, title and interest in and to the CMT website and the Service shall remain our property and/or the property of such other third parties.
    2. The CMT website and the CMT Service may be used only for the purposes permitted by these Terms and Conditions or described on the website. You are authorized solely to view and to retain a copy of the pages of the CMT 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 CMT website, the CMT Service or any portion thereof for any public or commercial use without our express written permission. You may not: (a) use any robot, spider, scraper or other automated device to access the CMT website or the CMT Service; and/or (b) remove or alter any copyright, trademark or other proprietary notice or legend displayed on the CMT website (or printed pages of the website). The name “CMT” and other names and indicia of ownership of CMT’s products and/or services referred to on the CMT website are our exclusive marks or the exclusive marks of other third parties. Other products, services and company names appearing on the website may be trademarks of their respective owners, and therefore you should not use, copy or reproduce them in any way.
  11. WARRANTIES AND LIABILITY
    1. Where we have materially breached these Terms and Conditions causing a Sender loss, we will refund the Sender the Transaction Amount and the Service Fee.
    2. If a Transaction is delayed or fails, or if an executed Transaction is not authorized, you may have a right to receive a refund or compensation under laws relating to the provision of international money transfer services. In the case of any unauthorized or incorrectly executed Transaction, any such right may be prejudiced if you do not notify us of the unauthorized or incorrectly executed Transaction without delay, or in any event within thirteen months after the debit date. We will provide you with the further details of your rights to a refund or compensation if you contact us using the contact details at the end of these Terms and Conditions.
    3. Any claim for compensation made by you must be supported by any available relevant documentation.
    4. We do not, in any event, accept responsibility for:
      1. any failure to perform the Service (e.g. your Instruction) as a result of circumstances which could reasonably be due to abnormal and unforeseen circumstances or outside our control or due to our obligations under any applicable laws, rules or regulations;
      2. malfunctions in communications facilities which cannot reasonably be under our control and that may affect the accuracy or timeliness of messages you send to us;
      3. any losses or delays in transmission of messages arising out of the use of any internet or telecommunications service provider or caused by any browser or other software which is not under our control; or
      4. errors on the website or with the Service caused by incomplete or incorrect information provided to us by you or a third party.
    5. Nothing in this clause 11 shall (a) exclude or limit liability on our part for death or personal injury resulting from our negligence; or (b) exclude our liability for fraud.
    6. Where you are sending a Transaction Amount to a Payee who is not registered with us, you agree to accept the provisions of this clause 11 not only for yourself, but also on behalf of the Beneficiary.
    7. Your relationship is with CMT only. You agree that no affiliate or agent of CMT owes you any duty of care when performing a task which would otherwise have to be performed by CMT under its agreement with you.
    8. You understand and acknowledge that you are liable for all losses incurred in respect of an unauthorized Transaction or Instruction or any other unauthorized use of the Service, where you have acted fraudulently or negligently and you agree to be responsible for and hold harmless CMT, our subsidiaries, affiliates, officers, directors, employees, independent contractors, advertisers, partners, and co-branders from all loss, damage, claims, actions or demands, including reasonable legal fees, arising out of your use or misuse of the website or Service, all activities that occur under your password or account e- mail login, your violation of these Terms and Conditions or any other violation of the rights of another person or party.
  12. USE OF THE CMT APP
    1. In consideration of you agreeing to abide by these Terms and Conditions, we grant you a non-transferable, non-exclusive license to use the App, subject to these Terms and Conditions, our Privacy Policy and the applicable app-store terms (incorporated into these Terms and Conditions by reference) as may be amended from time to time. We reserve all other rights.
    2. Except as expressly set out in these Terms and Conditions or as permitted by any local law, you agree:
      1. not to copy the App (except where such copying is incidental to normal use of the App, or where it is necessary for back-up or operational security); and
      2. not to rent, lease, sub-license, loan, alter, translate, merge, adapt, vary or modify the App.
    3. You acknowledge that the App has not been developed to meet your individual requirements, and that it is therefore your responsibility to ensure that the facilities and functions of the App meet your requirements.
    4. We only supply the App for domestic and private use. You agree not to use the App for any commercial, business or resale purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity. Specifically (but without limitation), we do not accept any liability for loss or damages to you or any third party resulting from any delay in us processing an Instruction or refusal by us to execute a Transaction pursuant to these Terms and Conditions.
    5. The App is provided to you free of charge and as a result no representations, conditions, warranties or other terms of any kind are given in respect of the App, and all statutory warranties and conditions are excluded to the fullest extent possible under applicable law.
    6. In relation to your use of the App, we do not, in any event, to the extent permitted by law, accept responsibility for:
      1. any failure to perform the Services, or any losses or delays in the transmission of messages, due to circumstances outside our control or due to our obligations under any applicable laws, rules or regulations;
      2. malfunctions in communications facilities which cannot reasonably be under our control and that may affect the accuracy or timeliness of messages we send to one another;
      3. errors in the App or with the Service caused by incomplete or incorrect information provided to us by you or a third party; or
      4. any loss or damage you suffered by you as a result of you using our App on a ‘jailbroken’, ‘rooted’ or otherwise modified device.
  13. ELECTRONIC COMMUNICATIONS
    1. You acknowledge that these Terms and Conditions shall be entered electronically, and that the following categories of information (“Communications”) may be provided by electronic means:
      1. these Terms and Conditions and any amendments, modifications or supplements to it;
      2. your records (e.g. of transactions) through the Service;
      3. any initial, periodic or other disclosures or notices provided in connection with the Service, including without limitation those required by law;
      4. any customer service communications, including without limitation communications with respect to claims of error or unauthorised use of the Service; and
      5. any other communication related to the Service or CMT.
    2. The Service does not allow for Communications to be provided in paper format or through other non-electronic means. You may withdraw your consent to receive Communications electronically, but if you do, your use of the Service shall be terminated. In order to withdraw your consent, you must contact us using our contact information at the end of these Terms and Conditions.
    3. In order to access and retain Communications, you must have or have access to the following:
      1. An internet browser;
      2. an e-mail account, e-mail software capable of interfacing with CMT’s e-mail servers and the capability to read e-mail from CMT, and a device and internet connection capable of supporting the foregoing; and
      3. sufficient electronic storage capacity on your electronic device’s hard drive or other data storage unit; or
      4. a printer that is capable of printing from your browser and e-mail software.
    4. In addition, you must promptly update us with any change in your email address by updating your profile at https://www.continental.money
  14. TERMINATION
    1. You may terminate these Terms and Conditions on one month’s written notice. We may terminate these Terms and Conditions upon two months’ notice, except as provided for in clause 13.2.
    2. We may terminate these Terms and Conditions with immediate effect if you:
      1. become, or we reasonably believe or become aware you are likely to become, insolvent or are declared bankrupt;
      2. are in breach of any provision of these Terms and Conditions;
      3. use the Service or the website in a way that is disruptive to our other customers, or you do anything which in our opinion is likely to bring us into disrepute;
      4. through any means of communication intimidate, harass or threaten CMT or its employees with violence, property damage or any other offensive, indecent or hateful material;
      5. breach or attempt to breach the security of the website (including but not limited to: modifying or attempting to modify any information; unauthorised log-ins, unauthorised data access or deletion; interfering with the service, system, host or network; reverse engineering of any kind; spamming; hacking; falsifying data; introducing viruses, Trojan horses, worms or other destructive or damaging programs or engines; or testing security in any way); or
      6. are, in CMT’s reasonable belief, using the Service in connection with fraudulent, illegal or Prohibited activity, or permitting a third party to do so.
  15. COMPLAINTS
    1. If you wish to make a complaint about any aspect of the CMT’s service, please send your complaint in writing to Continental Money Transfer Limited, 9 Greyfriars Road, Reading, Berkshire, RG1 1NU or by email to admin@continental.money
    2. We will acknowledge receipt of your complaint within 2 Business Days. We will investigate your complaint and come back to you with the results of our investigation no later than 7 Business Days after the receipt of our acknowledgement of your complaint.
    3. If you are not satisfied with the manner in which we have dealt with your complaint, or the outcome, then you may refer the matter to the Financial Ombudsman Service, Exchange Tower, Harbour Square Exchange, London E14 9SR, Tel No 0800 0234 567, Email: complaint.info@financial-ombudsman.org.uk.
  16. GENERAL
    1. Governing law: this Agreement will be governed by English law and the parties submit to the exclusive jurisdiction of the English Courts.
    2. No Waiver: The failure of CMT to exercise or enforce any right or provision of the Terms and Conditions shall not constitute a waiver of such right or provision.
    3. Modification: We may modify these Terms and Conditions from time to time without notice to you, except as may be required by law. You can review the most current version of the Terms and Conditions at any time by reviewing the website. You may terminate your use of the Service if you do not agree with any modification or amendment. If you use the Service after the effective date of an amendment or modification, you shall be deemed to have accepted that amendment or modification. You agree that you shall not modify these Terms and Conditions and acknowledge that any attempts by you to modify these Terms and Conditions shall be void.
    4. Entire Agreement: This agreement constitutes the entire agreement between the parties and supersedes all prior understandings or agreements relating to the subject matter of this agreement.
    5. Severability: If any provision of the Terms and Conditions is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or court should endeavour to give appropriately valid effect to the intention of the Terms and Conditions as reflected in the provision, and the other provisions of the Terms and Conditions shall remain in full force and effect.
    6. Delivery time for the money transfer: Your submitting of a transaction via the CMT website or CMT mobile application and paying the Total Amount above will be your order to us to execute the money transfer detailed above (your “Transaction”). The Payout Amount above will be available for collection by the recipient no later than 3 days after the day of your Transaction, as long as you provide all the information that CMT may reasonably request from you in relation to the money transfer.
    7. Refunds: If we incorrectly execute your money transfer and we are responsible for that incorrect transfer, we will refund you the Total Amount without undue delay and, in any event, no later than the end of the next business day on which we become aware of the incorrectly executed money transfer. We will also reimburse you for any charges or interest you reasonably incur as a consequence of our non-execution or defective or late execution of your money transfer. Regardless of whether we are required to refund you, we will immediately and without charge: (a) make efforts to trace any non-executed or incorrectly executed money transfer; and (b) notify you of the outcome.
    8. Unauthorized or incorrect payments: If you become aware of an unauthorized or incorrectly executed money transfer, please call us immediately on +44 (0)7401 22 97 05 in any event no later than 13 months after the money transfer. We will refund the Total Amount to you if a money transfer was not authorized by you, and you notify us within this timeframe.
    9. Cancelllation: You may cancel your Transaction or by calling +44 (0) 7401 22 97 05 up until the time the recipient receives the money. Once cancelled, CMT will refund to you the Amount Sent by making this available for collection by you once you provide acceptable proof of your identity to a CMT staff. However, we will not refund the Service Fee.
    10. Fraud: If you commit fraud in relation to using our Service, we are not required to refund you.
    11. Standard network charges may apply for phone calls. Lines are open Monday to Sunday from 8am-10pm.
    12. Any external links to third-party websites on the website are provided as a convenience to you. These sites are not controlled by us in any way and we are not responsible for the accuracy, completeness, legality or any other aspect of these other sites including any content provided on them. You access such websites at your own risk.
    17. Security

    We take security very seriously at CMT and we work hard, using state-of-the-art security measures, to make sure that your information remains secure. The CMT Service is a safe and convenient way to send money to friends and family and to other people that you trust.However, we do advise you to consider very carefully before sending money to anyone that you do not know well. In particular, you should be very cautious of deals or offers that seem too good to be true – they may be scams. If you are aware of anyone or any entity that is using the Service inappropriately, please email us. Similarly, if you receive any emails, purporting to be from CMT, which you suspect may be “phishing” (fake) emails, please forward the email to us at admin@continental.money.

    Contact Information

    Questions, notices, and requests for refunds or further information should be sent to CMT, as follows:

    • online at https://www.continental.money;
    • by email to ; admin@continental.money.
    • by telephone at +44 (0)7401 229 705;
    • or by post to: CMT Customer Service, Continental Money Transfer, 9 Greyfriars Road, Reading, Berkshire, RG1 1NU.
    • Continental Money Transfer Limited is Authorized and Regulated by the Financial Conduct Authority (FCA) under the Payment Service Regulations 2009 for the provision of payment services. Registration number: 911267.
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