By creating an Account with Wirex you agree to be bound by these Terms and Conditions and you should therefore read wirex bitcoin multicurrency wallet Terms and Conditions carefully. If you have any questions in respect of anything set out in these Terms and Conditions, please contact support wirexapp.
Definitions and Construction Account — means the corresponding Wirex account linked to your Card loaded with one or more pre-paid Currency Wallets which comprise your Usable Balance, which is also subject to our Card Issuer Terms, available https: Applicable Law — means any law, rule, statute, subordinate legislation, regulation, by-law, order, ordinance, protocol, code, guideline, treaty, policy, notice, direction wirex bitcoin multicurrency wallet judicial, arbitral, administrative, ministerial or departmental judgment, award, decree, treaty, directive, or other requirement or guideline published or in force at any time which applies to or is otherwise intended to govern or regulate any person including all parties to these Terms and Conditionsproperty, transaction, activity, event or other matter, including any rule, order, judgment, directive or other requirement or guideline issued by any governmental or regulatory authority whether in the Territory or outside.
Appointed Processor — means a a third party appointed by Wirex for the purposes of collecting and using KYC Information. ATM — means an automated teller machine that accepts the Card for cash withdrawals and balance enquiries.
Automated Currency Transfer — means the automatic transfer of funds from one Currency Wallet, to another Currency Wallet with insufficient funds so as to allow a transaction to be completed.
Automated Currency Transfers will be completed at the Conversion Rate. Card — means the Wirex Payment Card opted for by you and issued to you for your use following registrationand successful verification of your Account.
Card Replacement Fee — means the fee shown for the same in Clause 5. Cardholder Portal — means the Wirex multi-currency card website accessible at the Website or through any applicable mobile website application that you log on to, to access the secure wirex bitcoin multicurrency wallet of your Account.
Conversion Rate — means the applicable exchange rate in respect of all Automated Currency Transfers as determined by Wirex from wirex bitcoin multicurrency wallet to time and set out in the Fee Schedule. Currency Wallet — means a part of your Account that holds funds in a particular Supported Currency in your Account. Customer Services — means our our online support function which can be contacted on support wirexapp.
Fee Schedule — means the schedule of fees and charges in respect wirex bitcoin multicurrency wallet your Account set out in Clause 5. Force Majeure Event — means any cause beyond the control of a wirex bitcoin multicurrency wallet including without limitation, acts of God, acts of civil or military authority, fires, strikes, lockouts or labour disputes, epidemics, governmental restrictions, wars, terrorist acts, riots, earthquakes, storms, typhoons, floods and breakdowns in electronic and computer information and communications systems.
Order of Use — means, where more than one Currency Wallet is available for use in your Account, the order in which funds in your Currency Wallets will be used to pay for transactions and related fees. Territory means the country of domicile of the relevant Wirex Group Member with which your Account is held. Usable Balance — means the total monetary value available to you wirex bitcoin multicurrency wallet your Account for transactions using the Card, being the total value of all Currency Wallet s less any applicable tolerance limits, which may apply to certain transactions.
Website — means the website at the URLs www. In these Terms and Conditions, unless the context otherwise requires: By signing up for a Card and the corresponding Account, you represent and warrant that: You agree to assist Wirex and its Appointed Processor in these checks by supplying us or our Appointed Processor, as directed, with the applicable KYC information request from time to time.
You shall wirex bitcoin multicurrency wallet the all requested KYC Information promptly to Wirex or wirex bitcoin multicurrency wallet Appointed Processor upon signing up for a Card and at any other time that we or or our Appointed Processor may require. You acknowledge that Wirex or our Appointed Processor is authorised to collect your personal data and to conduct such checks and screenings as described in Clause 2.
You represent and warrant that you have the power and authority to provide all KYC Information which you submit to us. Change of personal details You represent and warrant that all the information you provide to us including all KYC Information is true, accurate and complete.
Should you become aware of any inaccuracies, or change your contact information or any other personal details for example your address telephone number or your email addresswirex bitcoin multicurrency wallet must notify us promptly by logging onto your Cardholder Portal or by contacting Customer Services in accordance with Clause 2.
We will not be responsible if you do not receive any notice or correspondence that has been sent in accordance with these Terms and Conditions as a result of our reliance on any incorrect, incomplete or obsolete personal details which you have previously submitted and failed to update. Using Your Card 2. Please note that your Card is not a credit card and does incorporate or allow any credit facility.
Transactions made using the Card will only be successful to the extent your Account holds a sufficient Usable Balance to settle wirex bitcoin multicurrency wallet and you will not be able to complete transactions in the event you have a Negative Balance.
The Card is wirex bitcoin multicurrency wallet stored value facility, storing value in multiple Supported Currencies within your Account. You can use your Card to complete transactions, which will deplete your Usable Balance. You will need to activate your Card and load funds onto your Account in accordance with these Terms wirex bitcoin multicurrency wallet Conditions in wirex bitcoin multicurrency wallet to use your Card to make purchases.
Subject to any limitations contained in these Terms and specifically those at clause 5. The Account tied to your Card wirex bitcoin multicurrency wallet also not a savings or checking account and no interest whatsoever shall be due or payable to you in respect of any part of the Usable Balance stored in your Account. For the avoidance of doubt, Wirex is not a party to wirex bitcoin multicurrency wallet transaction for sale and purchase of goods and services between you and any merchant.
The rights and obligations in connection with a the sale and provision of goods and services which are the subjects of such transactions, b the transaction methods and terms, and c performance or non-performance of the transactions including but not limited to refusal to perform, delay, non- delivery, defects, errors, return or replacement of goods and services, and refundexist only between you and such merchant, and Wirex has no control over and is not responsible for the delivery, quality, safety, legality, fitness for purpose or any wirex bitcoin multicurrency wallet aspect of goods or services that you purchase with the Card or Account.
Wirex cannot and does not guarantee or ensure that the merchant you are dealing with will complete the transaction or that the merchant is authorised to do so. Loading your Account You may load your Account in the Supported Currencies via the Wirex website or Wirex bitcoin multicurrency wallet app on wirex bitcoin multicurrency wallet time to time as required. The amount of funds which you may load onto your Account is subject to the load limits wirex bitcoin multicurrency wallet in Clause 5.
Your PIN You wirex bitcoin multicurrency wallet visit www. You are wirex bitcoin multicurrency wallet all times responsible for maintaining adequate security and control of your PIN or any other codes that you use to access the services provided under these Terms and Conditions.
Once you have successfully activated your Card, set up your payment PIN, and loaded funds onto wirex bitcoin multicurrency wallet Account, you may use your Card to conduct transactions in accordance with these Terms and Conditions.
Your selected PIN must be designated by you and must not be shared or stored with any other person. Where you believe the security of your PIN has been compromised, please contact Wirex Support on support wirexapp.
Your Card and the corresponding Account shall be for your use only and may only be used after the Card has been activated in accordance with these Terms and Conditions. You are responsible for keeping your PIN and password confidential and secure.
You must up your access to the Cardholder Portal. Using your Card, go to the Website and set. If you forget your password or believe it may have been compromised, you should contact Customer Services, as directed in clause 2. You may reset your password by logging onto your Cardholder Portal at any time you wish.
Moving overseas Should you change your country of residence to a territory outside the Territory after signing up for your Card, you may be prevented from loading funds to your Account.
You will however still be able to a use any positive Usable Balance remaining in your Account to conduct transactions or cash withdrawals in accordance with these Terms and Conditions until the expiry date stated on your applicable Card or until your Usable Balance is fully utilised, whichever wirex bitcoin multicurrency wallet occurs first; or b obtain a refund of your Usable Balance.
Contacting Customer Services Wirex bitcoin multicurrency wallet otherwise stated in these Terms and Conditions, should you have any request, issue, or any complaint regarding the Card, you may contact Customer Services between hrs — hrs GMT any day from Monday to Sunday by email to support wirexapp. Should you urgently need to disable or block any transaction or ATM withdrawal undertaken using your Card, you may access your Cardholder Portal. Multiple Currency Wallets 3. You may load your Account in any of the Supported Currencies depending on your international travel needs.
Where you provide funds in an Unsupported Currency, the Card Issuer will first convert such sums of Unsupported Currency into an equivalent amount in wirex bitcoin multicurrency wallet selected Supported Currency at the applicable prevailing exchange rate. Funds transferred between your Currency Wallets will also be subject to the prevailing Conversion Rate.
This Order of Use is important for some transactions; for further details on this, please see Clause 5. Your preferred Order of Use can be amended by logging in to your Cardholder Portal. Using your Account Locations of Use 4. Only you, the cardholder, is authorised to use your Card and the associated Account. You wirex bitcoin multicurrency wallet use your Card to access the Usable Balance on your Account to purchase goods and services from merchants who accept the Card.
This includes purchases by mail order, telephone order and over the internet. However, some merchants or financial institutions may not accept payment made via your Card or Account. We are not liable in such cases. Your Wirex bitcoin multicurrency wallet and its corresponding Account may only be used to make any transactions or withdrawals if it has a positive Usable Balance.
We will not under normal circumstances authorize transactions for a transaction or withdrawal amount which is larger than your Usable Balance.
Where such transactions are processed, you shall be liable to us for any resulting Negative Balance plus any applicable fees, along with any costs incurred by us or any other relevant third party in recovering or attempting to recover from you the amount of Negative Balance that you owe.
Where we permit a Negative Balance to be incurred, it shall not be deemed to set any precedent for subsequent occasions. Each time you make a transaction or withdrawal, your Account will be debited immediately by the amount of such transaction or withdrawal, plus any applicable fee and any other amount that we may deduct from your Account under wirex bitcoin multicurrency wallet Terms and Conditions.
The Usable Balance on your Account will be reduced accordingly. All fees and charges that relate to the use of your Card and Account are detailed in the Fee Schedule. All applicable fees and charges unless otherwise specified will be deducted from your Usable Balance. Unless otherwise specified in these Terms and Conditions, all Account fees and charges as listed will be deducted from your Default Wallet in the first instance.
Where your Default Wallet contains wirex bitcoin multicurrency wallet funds to complete such deductions, to satisfy the payment of such Account fees and charges, the transaction may be declined or an Automated Currency Transfer of wirex bitcoin multicurrency wallet made into your Default Account from another Currency Wallet under your Account. Notwithstanding anything contained in clauses 4.
Managing your Account 5. Your available balance is visible in your Currency Wallets in your Account when you log in to your Cardholder Portal, or by contacting Customer Services in the manner set out in Clause 2.
You can also check your balance through an ATM. Transferring funds between Currency Wallets. You will not be able to transfer funds loaded onto your Account from one Currency Wallet to another Currency Wallet on your own accord. This will only take place automatically to complete a transaction or withdrawal including satisfying any associated fees and charges in which case your Usable Balance in each applicable Currency Wallet will be converted at the Conversion Rate according to the Order of Use.
When you withdraw money from an ATM, make a purchase, or where an ATM operator charges you an ATM Operator Fee, in each case in a Supported Currency that you have loaded on your Account, the transaction amount including any fees payable will be deducted from the relevant Currency Wallet holding such Supported Currency. Where you have insufficient funds in that Currency Wallet, an Automated Currency Transfer will be made according to wirex bitcoin multicurrency wallet Order of Use,at the Conversion Rate from the next available Currency Wallet you have nominated.
A transaction wirex bitcoin multicurrency wallet therefore be funded from multiple Currency Wallets available in your Account, transferring funds from each Currency Wallet to the applicable one being used for the transaction, in accordance with the Order of Use, until the latter Currency Wallet holds sufficient funds to settle the transaction, including any fees payable.
When you withdraw money from an ATM, make a purchase, or where an ATM operator charges you an ATM operator fee, in each case in an Unsupported Currency, funds from your Default Wallet will be debited and converted to the Unsupported Currency at the applicable conversion rate. If your Default Wallet has wirex bitcoin multicurrency wallet funds, or insufficient funds, then the funds from the first or next available Currency Wallet in your Order of Use will be debited and converted to the Unsupported Currency at the applicable conversion rate for settlement purposes.
The full transaction amount may therefore be funded from multiple Currency Wallets available on your Account. Errors and transaction disputes 5. You should retain all vouchers and transaction records, transaction advices and receipts issued by merchants and ATMs, and check all transactions details and entries by reviewing your transaction records and history which may be accessed on your Cardholder Portal or wirex bitcoin multicurrency wallet Customer Services on a regular basis.
We accept no responsibility for your failure to regularly review, reconcile and verify the correctness of your transaction history and details nor your failure to promptly report to us any discrepancy, errors, omissions or unauthorised transactions in relation thereto.
Details in the entries of your transaction history reflected on your Cardholder Portal are presumed to be true and correct unless you notify us in writing of any disputes or inaccuracies thereon within two 2 weeks from the time of transaction.
Disputes relating to errors 5. If you believe an accounting error has occurred with regard to the Usable Balance in your Account, or your transaction history, you must notify and report such errors to us as soon as possible, in any case within two 2 weeks from the date of the disputed transaction by contacting our Customer Service team in accordance with clause 2.
You are required to provide your proof of transaction along with as much relevant information surrounding such disputed transaction as possible.
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