Website Ts and Cs

Terms of Use

These Terms of Use (“Terms”) are the rules you must agree and follow when using our Website www.voxmoney.co.uk (the “Website”). Please read these Terms and any other documents referred to in them carefully before using this Website.

By using this Website, you confirm that you accept these Terms and that you agree to comply with them. If you do not agree to these Terms, you must not use our Website.

Who are we

The Website, www.voxmoney.co.uk, is operated by Omnio EMI limited (Omnio). Omnio EMI Limited, is the issuer of the e-money and Card, and it is a company registered in England with company number 05831884 and authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011, for the issuing of electronic money, FCA Register No. 900123. Omnio EMI Limited registered office is at Waverley House, 7-12 Noel Street, London, W1F 8GQ.

Changes to the Website

Omnio may update this site from time to time, and may change the content at any time. However, please note that any of the content on this Website may be out of date at any given time, and we are under no obligation to update it. We do not guarantee that the Website, or any content on it, will be free from errors or omissions.

Any Other Terms That May Apply To You

Please read our Privacy Policy here and Cookie Policy here, as they are incorporated within these Terms.

Access to the Website

Omnio does not guarantee that this Website, or any content on it, will always be available or be without interruption. Omnio may suspend or withdraw or restrict the availability of all or any part of this Website for business and operational reasons.

You are also responsible for ensuring that all persons who access our Website through your internet connection are aware of these Terms and other applicable Terms and conditions, and that they comply with them.

By accessing this Website, you agree:

That you will access its contents solely for your own private use, to comply with all applicable laws and regulatory requirements relating to your use of this Website. To comply with all reasonable instructions we give you relating to this Website, not to use this Website to distribute any information or data in contravention of any regulation or legislation (including, but not limited to, regulation or legislation governing financial services, money laundering or anti-terrorism).

Intellectual Property Rights

Omnio is the owner or the licensee of all intellectual property rights in this Website, and in the material published on it. Those works are protected by copyright laws and all such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our Website.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.

You must not use any part of the content on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our site in breach of these Terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Material Provided by You

You agree to ensure that all material you send or upload to this Website (including, but not limited to, e-mails, text, graphic files, still or moving images, or responses to any questionnaire available through this Website) (Your Material) is legal, decent and truthful, complies with all laws and regulations, does not infringe the Intellectual Property Rights or other rights of us or any third party, is not defamatory, unreliable or misleading or otherwise objectionable and is free of bugs, worms or viruses.

You are solely responsible for Your Material. If we consider that any part of Your Material exposes us to the risk of a claim or complaint by a third party, we may block access to all or part of this Website and remove all or part of Your Material. You must provide all reasonable assistance in this respect.

You agree not to use this Website to advertise or sell any goods or services to other users of this Website.

You agree not to publish any information or personal data relating to a third party.

No Warranties

We give no express or implied representation or warranty (whether statutory or otherwise) in respect of this Website or the Content (including, without limitation, as to their condition, satisfactory quality, performance or fitness for purpose) and all such representations and warranties are excluded except to the extent that their exclusion is prohibited by law.

Limitations and Exclusions of our Liability

Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked Websites or information you may obtain from them. We do not endorse those other Websites nor do we accept responsibility for their content or for damage or loss you may suffer arising out of accessing those Websites, including, but not limited to, damage or loss arising from your use of documents or other information found on those Websites. We do not monitor or maintain these links. Please read all copyright and legal notices on each site before downloading or printing items to ensure that you are permitted to do so under the third party site’s copyright notices, legal notices or terms of use.

Our liability to you in connection with this Website (whether arising from negligence, breach of contract or otherwise) is only to take such actions as are reasonably required (in our sole discretion) in order to: remove or delete data entered in error, or remove or delete data that is the subject of dispute, or correct data entered in error. We are not liable to you for any loss of profits, business or

data or for any indirect, special, incidental, consequential, punitive or exemplary loss, liability or costs (whether arising from negligence, breach of contract or otherwise) regardless of whether it was foreseeable or not.

To avoid doubt, we are not liable for any damage or loss that may be caused to any equipment or software due to any viruses, defects or malfunctions in connection with accessing or using this Website, Your Material or the Content.

Nothing in these Terms of Use excludes or limits our liability for fraud or for death or personal injury arising from our negligence or that of our agents or subcontractors or for any other matter in respect of which it would be unlawful or in breach of regulation (including, but not limited to, self-regulation) to limit or exclude liability.

Online Privacy

Our Privacy Policy is available on this Website and forms part of the Terms on which you may use this Website. You acknowledge that we may process the personal data you provide if you use this Website. Our Privacy Policy sets out the basis on which we may use that data and you agree to its terms.

General Provisions

We reserve the right to vary or amend these Terms from time to time. We will notify you of any such amendment by posting the relevant amendment to this Website. Any changes shall take effect upon posting to this Website.

Rights under these Terms may be exercised as often as necessary; are cumulative and not exclusive of rights or remedies provided by law; and may be waived only in writing and specifically.

Governing Law

These Terms shall be governed by and interpreted in accordance with English law and we and you each submit irrevocably to the exclusive jurisdiction of the English Courts.

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