Terms and Conditions

These terms and conditions outline the rules and regulations for the use of PAIDX’s Website. Please note exchange rates are for reference purpose as rate changes throughout the day.

 
 
 

Terms and Conditions

This website, www.Paidx.co.uk (the "Website"), is operated by Paidx Ltd (“we" or "us" or "our"). Access is provided only in accordance with our Website Terms and Conditions. Please read the Website Terms and Conditions carefully before you start to use the Website. By using the Website, you confirm that you accept the Website Terms and Conditions and that you agree to abide by them. If you do not agree to the Website Terms and Conditions, please refrain from using the Website.

These Online Services Terms and Conditions were last updated on 10 October 2024.

Information About Us

  1. Who are we? We are Paidx Ltd, a company registered in England and Wales. Our company registration number is 13915328 and our registered office address is at 241E High Street North, London E12 6SJ
  2. How to contact us? You can contact the customer service team by: (i) emailing us at info@paidx.co.uk (ii) by telephoning us on 0203 441 4041or (iii) by writing to us.

These Terms

  1. What these terms cover. These are the Online Terms and Conditions on which we supply Travel Money via our Website.
  2. Why you should read them. Please read these terms carefully before you submit your order to us. These terms tell you who we are, how we will provide products and services to you, how we may change or end the contract, what to do if there is a problem and other important information. If you think that there is a mistake in these terms, please contact us (see 1.2) to discuss.

Purchase of Travel Money

  1. Use of the service. This internet ordering service (the "Service") is provided by us. These Online Terms and Conditions apply to the Service, which consists of an online ordering facility for foreign currency banknotes (“Travel Money”).
  2. How to place an order. Follow the instructions on the ordering screen. Once you have entered the ordering screen you must complete your order otherwise your session may time out and you will have to restart the order process.
  3. If we cannot accept your order. If we are unable to accept your order, we will contact you immediately and will reimburse you for your order. This might be because: (i) the Travel Money is out of stock; (ii) because of unexpected limits on our resources which we could not reasonably plan for; (iii) because we have identified an error in the price or description of the Travel Money, or (iv) because we are unable to meet a delivery deadline you have specified.
  4. When to pay. You will be required to pay for the Travel Money, at the time of ordering by credit or debit card. Please note, if paying by credit card, your credit card issuer will likely charge you a cash advance fee and interest from the time of purchase with us.
  5. How to correct an error. You can correct errors on your order up to the point at which you click on "Submit Now " on the payment details screen. You may not make any changes to your order after you have clicked "Submit Now" on the payment details screen. You may however be able to cancel your order. Please contact us as soon as possible via one of the following methods: by email at info@paidx.co.uk or by telephone at 0203 441 4041.
  6. Exchange rate. 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. Please note that the rates available on the Website are set separately from the rates provided in-store. You will not be able to get our Website rates in-store.
  7. Provision of information by you. You must provide all 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, to comply with regulatory requirements or to ensure that these Online Terms and Conditions have been complied with.
  8. Authenticating your order. We will use various procedures to authenticate each transaction and we may, at any time and for any reason, decline to process your order or any part of your order.
  9. Confirmation of your order. By placing an order with us, you confirm that the details contained in your 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. A legally binding contract between you and us is only formed when we send you a confirmation email that your credit or debit card payment has been accepted. Please print a copy of the confirmation screen for your records and print or store the confirmation email in a safe place, as it will be the only record of your transaction. Please note that pursuant to clause 11 of these Online Terms and Conditions we have a right to cancel your order once the contract has come into existence.
  10. Who can use the Service? The Service is only available to individuals aged 18 years or over, and who are residents of the United Kingdom. The Service may only be used for holiday or business travel and not for speculative, investment or any other purposes. By ordering Travel Money, you confirm that you accept the Online Terms and Conditions and agree to be bound by them and to comply with all applicable laws and regulations.
  11. What currencies are available? The Service is only available for the currencies listed from time to time on the online ordering screen. Currency availability may also 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).

Collection

When you place your order for Travel Money you will be given the option for collection by you from a Paidx Store.

Orders for Store Collection
  1. When to collect. When you are purchasing Travel Money to collect it from one of our locations, we have the right to stipulate the dates that you can collect any order (this will vary depending on the currency selected and the collection location). The available dates that you can collect the Travel Money are subject to change at our sole discretion and will be shown on the ‘My Order’ page of our Website when you are placing an order.
  2. Who can collect your order and the identification required? If you choose to place an order for collection, orders can only be collected by the card holder who paid for the Travel Money. At the time of collecting the order the cardholder will need to produce the card used to make the purchase and either a valid passport or a full UK Photographic Driving Licence for identification purposes. Depending on your order, we reserve the right to ask for further information and identification (such as proof of residential address) in accordance with our anti-money laundering policies. The name on the card used to make the purchase must match that on the identification document(s) used. To enable us to comply with our anti-money laundering, internal risk and fraud policies and other legal obligations, we reserve the right to take a copy for our records of your identification document(s) at the time of collection.
  3. Where to collect your order from. You can collect your order from our location listed on the ordering screen. Collection is subject to the opening times of the collection location. Details for the opening times of the collection location will be notified to you at the time of the order and can be obtained on the Website. The risk and responsibility for collecting your order before you depart on your travel’s rests with you. Please remember to allow sufficient time to make your collection before departing on your travels.
  4. Payment on collection. If your online order is unsuccessful you may be offered our pay on collection service. With pay on collection you can take advantage of our online rates by selecting a date and location to collect your order, with payment not being taken until you collect your order. You will receive the rates you would have received had your initial online order been successful, rather than the walk-up rates of your chosen collection location.
  5. Non-collection. If you fail to collect your order from your nominated locations within 48 hours of the collection time, then your order will be marked as non-collected, and your order will be cancelled and treated in the same way as a cancellation made less than 24 hours in advance of the collection time as outlined in clause 4.10 below.
  6. Collection of Euros and US Dollars. You can order Euros and US Dollars on the same day (subject to stock) that you intend to collect it, provided that we confirm your order at least 4 hours prior to collection.
  7. Collection of all other currencies. The time period between making your order and collecting it for all other currencies depends on the specific currency ordered.
  8. Minimum and maximum order value. Orders for collection are subject to a minimum value of £500 and to a maximum value equivalent to £3,000 per person per day.
  9. Your right to cancel orders for collection. If you placed an order for collection then cancel the order. The full sterling amount will be refunded to you, However, in the event that you cancel an order less than 24 hours before the collection time, we reserve the right to charge you a £10 cancellation fee.
  10. When you will receive a refund. Pursuant to clauses 4.6 and 4.10, we will process cancelled or non-collected orders as soon as reasonably practicable and will organise refunds. Refunds may take from 3 to 10 working days.

Personal Information and Payment Security

  1. Privacy Statement. Please click on this link Privacy Statement 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.
  2. Validation checks and authorisation. All credit and 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.
  3. 3D Secure. 3D Secure is a payment authentication 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 require the user to enter a Personal Identification Number (PIN) code or password whilst making internet purchases as a security step. 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

  1. No representation or warranty. All content and services on or available through the Website are provided on an “as is" basis and we do not make any representation or give any warranty in respect of the Website or its content.
  2. No warranty. We do 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.
  3. Use of site. Without limiting the exclusions at 6.1 and 6.2, 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 speculative gain, investment, or business purposes.
  4. No reliance. 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.
  5. Our provision of the Service. We use reasonable care and skill in providing the Service. However, we shall not be liable to you for the following:
    • any failure by you to provide us with correct information when you place your order;
    • 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, pandemics, or other sanitary crises and industrial dispute;
    • subject to clauses above any damage to your computer equipment as a result of using the Website, the Service or the App;
    • any loss of information or unauthorised use of data arising as a result of you using encryption systems below our recommended level; or
    • 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.
  6. Cap on our liability. 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 (excluding our admin charge £25).
  7. Statutory liability. 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 as a result of our negligence or that of any of our employees or agents or for fraud.
  8. Unlawful and unenforceable terms. 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.

Our Right to Cancel

  1. We may refuse, withdraw, or cancel your Travel Money order at any time for any reason, including: (i) if we reasonably suspect that your Travel Money order has been placed for speculative gain, investment, or business purposes; or (ii) if there have been significant fluctuations in the exchange rate market following the placing of your Travel Money order. (iii) to ensure regulatory requirements are met; (iv) if your order fails our internal security checks.
  2. If we do cancel your order in accordance with clause 7.1 above then we will notify you of this as soon as reasonably possible and provide you with a refund for any Travel Money that you paid for but did not receive.

    3. Other Terms

    1. Alteration of terms. We may, at any time and 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, the Service or by placing orders after we have changed these terms, you will be accepting the changes.
    2. We are not responsible for delays outside our control. If our supply of the Services is delayed by an event outside our control, then we will contact you as soon as reasonably possible to let you know and we will take steps to minimise the effect of the delay. Provided we do this, we will not be liable for delays caused by such event, but if there is a risk of substantial delay you may contact us to cancel your Order and receive a refund for any Services you have paid for but not received.
    3. You need our consent to transfer your rights to someone else. You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing.
    4. Nobody else has any rights under this contract. This contract is between you and us. No other person shall have any rights to enforce any of its terms.
    5. If a court finds part of these terms and conditions unlawful, the rest will continue in force. Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
    6. Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date.
    7. Which laws apply to this contract and where you may bring legal proceedings if you are a consumer? These terms are governed by the UK law and UK courts. All legal disputes related to card processing are handled under the UK Law.

     

     
     
     

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