Terms and Conditions

1 Introduction

1.1 Welcome to https://www.find.exchange (our ‘Site’). The Site is owned and operated by Find.Exchange Ltd (‘We’, ‘us’ or ‘our’).

1.2 We provide a market place for currency exchange. Our service enables you to compare foreign currency (cash), send & receive money (online remittance) and travel cards through your use of the Site.

2 About our Terms

2.1 These terms and conditions (‘Terms’) explain how you may use this the Site which is provided by us free of charge as updated from time to time under clause 18.

2.2 You should read these Terms carefully before using the Site.

2.3 By accessing or using the Site or otherwise indicating your consent, you agree to be bound by these Terms and the documents referred to in them.

2.4 You or your means the person accessing or using the Site or any text, images, video, audio or other multimedia content, software or other information or material submitted to or on the Site (‘Content’).

2.5 If you do not agree with or accept any of these Terms, you should stop using the Site immediately.

2.6 The use of the Site means that you must comply with our ‘Privacy policy’ https://find.exchange/privacy-policy, which governs how we process any personal data collected from you and our ‘Cookie policy’ https://find.exchange/cookie-policy, which governs how we use cookies on the Site.

3 Our content and intellectual property

3.1 References in these Terms to the Site includes the following website: https://www.find.exchange/ and all associated web pages including all Content on the Site.

3.2 We reserve the right to change, modify, replace or remove any information from the Site without prior notice as we see fit.

3.3 This Site and all intellectual property rights in it including but not limited to any Content are owned by us and are protected by English copyright laws. ‘Intellectual property’ rights means rights such as: copyright, trademarks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind whether or not they are registered or unregistered (anywhere in the world). We reserve all of our rights in any intellectual property in connection with these Terms. This means, for example, that we remain owners of them and are free to use them as we see fit.

3.4 Nothing in these Terms grants you any legal rights in the Site other than as necessary to enable you to access the Site. You agree not to adjust; to try to circumvent or delete any notices contained on the Site (including any intellectual property notices) and in particular in any digital rights or other security technology embedded or contained within the Site.

3.5 The use of any trademarks and logo on the Site is strictly prohibited unless you have our prior written permission.

4 Permitted use of the Site

4.1 The Site is for your personal and non-commercial use only and primarily for accessing information about us.

4.2 You agree that you are solely responsible for:

  • 4.2.1 all costs and expenses you may incur in relation to your use of the Site; and

  • 4.2.2 keeping your password and other account details confidential.

4.3 The Site is intended for use only by those who can access it from within the UK. If you choose to access the Site from locations outside of the UK, you are responsible for compliance with local laws where they are applicable.

4.4 We seek to make the Site as accessible as possible. If you have any difficulties using the Site, please contact us at [email protected] and/or use the website accessibility tools available at.

4.5 We may prevent or suspend your use and access to the Site, at our discretion, if you breach any part of these Terms, any terms or policies to which they refer or any applicable law. We may also remove or edit any text, images, video, audio or other multimedia content, software or other information or material submitted by you or other users to the Site (‘Submissions’), disclose Submissions to law enforcement authorities or take any action we consider necessary to remedy the breach.

5 Restrictions on use of the Site

5.1 As a condition of your use of the Site, you agree:

  • 5.1.1 not to use the Site for any purpose that is unlawful under any applicable law or prohibited by our Terms;

  • 5.1.2 not to use the Site to commit any act of fraud;

  • 5.1.3 not to use the Site to distribute viruses or malware or other similar harmful software code;

  • 5.1.4 not to use the Site for purposes of promoting unsolicited advertising or sending spam;

  • 5.1.5 not to use the Site to simulate communications from us or another service or entity in order to collect identity information, authentication credentials, or other information (‘phishing’);

  • 5.1.6 not to use the Site in any manner that disrupts the operation of our Site or business or the website or business of any other entity;

  • 5.1.7 not to use the Site in any manner that harms minors;

  • 5.1.8 not to promote any unlawful activity;

  • 5.1.9 not to represent or suggest that we endorse any other business, product or service unless we have separately agreed to do so in writing;

  • 5.1.10 not to use the Site to gain unauthorised access to or use of computers, data, systems, accounts or networks;

  • 5.1.11 not to attempt to circumvent password or user authentication methods; and

  • 5.1.12 to comply with the provisions relating to our intellectual property rights and software contained in our Terms.

6 Bulletin boards, chat rooms and other interactive services

6.1 We may make bulletin boards, chat rooms or other communication services (‘Interactive Services’) available on the Site.

6.2 We are not obliged to monitor or moderate Submissions to our interactive services. Where we do monitor or moderate Submissions we shall indicate how this is performed and who should be contacted in relation to any Submission of concern to you.

6.3 We may remove or edit any Submissions to any of our Interactive Services whether they are moderated or not.

6.4 Any Submission you make must comply with our Submission standards set out in clause 7.

7 Submission standards

7.1 Any Submission or communication to users of our Site must conform to standards of accuracy, decency and lawfulness, which shall be applied in our discretion, acting reasonably. In particular, you warrant that any Submission or communication is:

  • 7.1.1 your own original work and lawfully submitted;

  • 7.1.2 factually accurate or your own genuinely held belief;

  • 7.1.3 provided with the necessary consent of any third party;

  • 7.1.4 not defamatory or likely to give rise to an allegation of defamation;

  • 7.1.5 not offensive, obscene, sexually explicit, discriminatory or deceptive; and

  • 7.1.6 unlikely to cause offence, embarrassment or annoyance to others.

8 Linking and framing

8.1 You may create a link to our Site from another website without our prior written consent provided no such link:

  • 8.1.1 creates a frame or any other browser or border environment around the content of our Site;

  • 8.1.2 implies that we endorse your products or services or any of the products or services of, or available through, the website on which you place a link to our Site;

  • 8.1.3 displays any of the trademarks or logos used on our Site without our permission or that of the owner of such trademarks or logos; or

  • 8.1.4 is placed on a website that itself does not meet the acceptable use requirements of our terms.

8.2 We reserve the right to require you to immediately remove any link to the Site at any time, and you shall immediately comply with any request by us to remove any such link.

9 Registration

9.1 You can access additional services offered on our Site by becoming a registered user. These additional services are only reserved for our registered users. If you wish to subscribe to the additional services, then we will require you to complete a registration form and to create yourself a username and password (‘Log in Details’).

9.2 You agree to keep Log in Details secure and will not share them with anyone. You will also agree to not pass yourself off as someone else or create false details.

9.3 You will protect your Log in Details from unauthorised use and are solely responsible for all activity that occurs on your account. You will notify us immediately if you become aware or suspect for any reason that your Log in Details have been compromised.

9.4 We will not be liable for any losses, including financial, or damages caused by your failing to safeguard your Log in Details.

10 Your content

10.1 You grant to us a worldwide royalty free non-exclusive license to publish, store, copy, edit, distribute and otherwise use your content and/or Submissions as we see fit without restrictions in any existing or future media. You also grant to us the right to sub-licence these rights and to bring proceedings for the infringement of any of these rights.

11 Submitting information to the Site

11.1 While we try to make sure that the Site is secure, we cannot guarantee the security of any information that you supply to us and therefore we cannot guarantee that it will be kept confidential. For that reason, you should not let us have any patentable ideas or patent applications, advertising or marketing suggestions, prototypes, or any other information that you regard as confidential, commercially sensitive or valuable (Unwanted Submissions). While we value your feedback, you agree not to submit any Unwanted Submissions.

11.2 We may use any Unwanted Submissions as we see reasonably fit on a free-of-charge basis (bear in mind that we have no way of knowing whether such information is confidential, commercially sensitive or valuable because we do not monitor the Site to check for these matters). Therefore, we will not be legally responsible for keeping any Unwanted Submissions confidential nor will we be legally responsible to you or anybody else for any use of such Unwanted Submissions.

12 Accuracy of information and availability of the Site

12.1 While we try to make sure that the Site is accurate, up-to-date and free from bugs, we cannot promise that it will be. Furthermore, we cannot promise that the Site will be fit or suitable for any purpose. Any reliance that you may place on the information on this Site is at your own risk.

12.2 We may suspend or terminate operation of the Site at any time as we see fit.

12.3 You may have certain legal rights when using the Site (such as if the Online terms and conditions for the supply of goods apply to you). These are also known as ‘statutory rights’ as they are derived from laws such as the Consumer Rights Act 2015. A summary of your key rights is set out at the beginning of the Online terms and conditions for the supply of goods.

12.4 Content on the Site is provided for your general information purposes only and to inform you about us and our services, news, features and other websites that may be of interest. It does not constitute technical, financial, tax or legal advice or any other type of advice and should not be relied on for any purposes. You should take independent professional financial advice in connection with your own independent research to verify, any information you find on our website and wish to reply on, whether for the purpose of making an investment decision, a purchase or otherwise.

12.5 While we try to make sure that the Site is available for your use, we do not promise that the Site is available at all times nor do we promise the uninterrupted use by you of the Site.

13 Validity of quotes

13.1 We do not have any control over the prices or offers relating to any of the price comparison quotes generated on the Site. The quotes on the Site are obtained from third party websites and to obtain the quote you will need to go through the links on the Site to go to the third party website. Third party websites regularly update their prices and offers and there they are subject to change.

13.2 To purchase any product or service from a third party you must contact them directly which you are able to do via the Site. When a price or offer relating to a third party is shown on our website a direct link is provided on the Site. However, in some instances to purchase goods or services you may need to contact the third party via telephone. Details of products and services and methods of purchase are available on the third party websites.

14 Delivery of quotes

14.1 The availability of quotes from third party websites is available on the Site. The Site relies upon third party websites for the generation of quotes for products and services and the internet to enable to Site to perform. In some instances, there may be times when third party websites are unavailable or there are issues with the internet. However, where possible we will notify you of the same.

14.2 It is likely that each third party provider will have their own processes and methods for purchasing goods or services from them. In instances where you have expressed an interest in a good or service we or the third party may contact you to assist you (subject that both we and the third party continue to treat your data as both confidential and subject to all applicable data protection legislation including General Data Protection Regulation).

15 Software

15.1 Software may be made available for you to download in order to help the Site work better. You may only use such software if you agree to be bound by the terms and conditions that apply to such software (this is sometimes known as an ‘end user licence agreement’ or ‘EULA’). You will be made aware of any terms and conditions that apply to the software when you try to download it. If you do not accept such terms and conditions, you will not be allowed to download the software. You should read any terms and conditions carefully to protect your own interests (they may contain provisions that set out what your legal rights are under, eg, the Consumer Rights Act 2015, what your legal responsibilities are when using software, what the software provider's legal responsibilities are, and provisions that limit a software provider's legal responsibilities to you).

15.2 All such software is solely for your personal use in a non-commercial manner.

15.3 Using the software in an unlawful way (such as reproducing or redistributing it in a way that breaches these Terms and any others that apply to it) is expressly prohibited and may result in civil and criminal penalties.

16 Hyperlinks and third party sites

16.1 The Site may contain hyperlinks or references to third-party websites other than the Site. Any such hyperlinks or references are provided for your convenience only. We have no control over third-party websites and accept no legal responsibility for any content, material or information contained in them. Further, any arrangements you make with a third-party website via the Site will be entirely at your own risk. We accept no responsibility for any consequence relating directly or indirectly to any action or inaction you take based on the content, material or information contained within them. Your use of a third-party site may be governed by the terms and conditions of that third-party site.

16.2 Some of those third-party websites contained on the Site may be affiliate links. This means that we may receive a commission or a fee if you click on a hyperlink that directs you through to a third-party website or if you a purchase a product or service from a third party website.

17 Limitation on our liability

17.1 Except for any legal responsibility that we cannot exclude in law (such as for death or personal injury), we are not legally responsible for any:

  • 17.1.1 losses that:

    • 17.1.1.1 were not foreseeable to you and us when these Terms were formed; or

    • 17.1.1.2 that were not caused by any breach on our part

  • 17.1.2 business losses; and

  • 17.1.3 losses to non-consumers.

18 Events beyond our control

We shall have no liability to you for any breach of these Terms caused by any event or circumstance beyond our reasonable control including, but not limited to, strikes, lock-outs or other industrial disputes; breakdown of systems or network access; or flood, fire, explosion or accident.

19 Rights of third parties

No one other than a party to these Terms has any right to enforce any of these Terms.

20 Variation

These Terms are dated 14th June 2018. No changes to these Terms are valid or have any effect unless agreed by us in writing. We reserve the right to vary these Terms from time to time without notice as we see fit. Our updated terms will be displayed on the Site and by continuing to use and access the Site following such changes, you agree to be bound by any variation made by us. It is your responsibility to check these Terms from time to time to verify such variations.

21 Disputes

21.1 We will try to resolve any disputes with you quickly and efficiently.

21.2 If you are unhappy with us please contact us as soon as possible.

21.3 If you and we cannot resolve a dispute using our complaint handling procedure, we will:

  • 21.3.1 let you know that we cannot settle the dispute with you; and

  • 21.3.2 give you certain information required by law about our alternative dispute resolution provider.

21.4 If you want to take court proceedings, the relevant courts of the United Kingdom will have exclusive jurisdiction in relation to these Terms.

21.5 Relevant United Kingdom law will apply to these Terms.

22 Contact Us

Find.Exchange Ltd, registered in England and Wales.

Registered Company Number: 09800939

Registered Office: 20 Air Street, Soho, London, W1B 5AN.

If you have any questions about our Site or these Terms, please contact us in writing at Find.Exchange Ltd 20 Air Street, Soho, London, W1B 5AN.

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