UKDE Limited (referred to as 'us', 'our', 'we') is a company incorporated under the laws of England and Wales (company registration number 11313452) and whose registered address is at Level 39 One Canada Square, Canary Wharf, London, United Kingdom, E14 5AB. UKDE operates a website, UKEX.com (referred to as 'UKEX', 'us', 'our', 'we') which is a platform dedicated to facilitating transactions in Digital Assets and the provision of related services. UKEX is a trading name for the Exchange and related services provided by UKDE Limited.
All persons or other subjects who log onto the Website shall be users of the Website ('you', 'your').
This Agreement sets out the terms on which we provide the Exchange and other Services. This Agreement applies to all Transaction Instructions made via the Website.
Please carefully review and consider the terms of this Agreement and make sure that you understand them before using the Exchange or other Services. If you do not agree to the terms of this Agreement, you must immediately stop using the Exchange and other Services and must not submit a Transaction Instruction.
1. The Digital Assets are new and unconfirmed technologies, and will not necessarily expand in usage.
2. Digital Assets are primarily used by speculators, and are used relatively less frequently in retail and commercial markets. Transactions relating to Digital Assets are highly risky, due to the fact that they are traded throughout 24-hour a day, without limits on the rise or fall in price, and market makers and global government policies may cause major fluctuations in their prices.
3. Transactions relating to Digital Assets may be suspended or prohibited at any time due to the enactment or modification of national laws, regulations and regulatory documents.
4. As such, the trading of Digital Assets are not suitable for the vast majority of people. You acknowledge and understand that investment in Digital Assets may result in partial or total loss of your investment and therefore you are advised to decide how much you can afford to lose before investing in Digital Assets. You acknowledge and understand that digital assets may generate derivative risks Therefore you are advised to seek assistance from a financial adviser and to carefully consider your financial position and the abovementioned risks before making any decisions on buying or selling Digital Assets.
5. All opinions, information, discussions, analyses, prices, advice and other information on the Website do not constitute any investment advice. We do not bear any loss arising directly or indirectly from reliance on the abovementioned information, including but not limited to, any loss of profits.
6. Any and all losses arising therefrom will be borne by you and we shall not be held liable in any manner for such losses. It shall be solely your obligation to carefully assess the authenticity, legality and validity of relevant Digital Assets and/or information.
1.1"Applicable Laws" means all the laws of England and Wales and the European Union and any other laws or regulations, regulatory policies, guidelines or industry codes which apply to the provision of the Services. This includes, in particular, The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017.
1.2"Approved Pairing" means a combination, as approved by us from time to time, of a Digital Asset and either another Digital Asset or a Currency, with a price at which that Digital Asset may be bought or sold.
1.3"Contis" means Contis Financial Services Ltd (Company Registration Number: 06085862), an electronic money institution authorised by the Financial Conduct Authority whose registered address is at Navigation House, Belmont Wharf, Skipton, North Yorkshire, BD23 1RL.
1.4"UKEX Card Account" means Contis account, the electronic money account operated by Contis which is connected to your Cryptowallet.
1.5"Cryptowallet" means the electronic account, accessible through the Website, which allows you to store Digital Assets with us.
1.6"Currency" means the traditional currencies which are approved for use on the Exchange.
1.7"Cryptowallet Service" means the service that we provide to you which allows you to use the Cryptowallet.
1.8"Digital Assets"(including digital currency, cryptocurrency, virtual currency, virtual commodity, such as Bitcoin etc.) means those cryptoassets which we allow to be traded on the Exchange, as are listed on the Website from time to time.
1.9"Exchange" means the exchange which is provided through the Website and which allows you to make Transactions in respect of Digital Assets.
1.10"Exchange Service" means the service which we provide that allows you to make Transactions on the Exchange (and other activities ancillary to the making of such Transactions).
1.11.5commercial purposes which are competitive to the Services or our business or which would otherwise be detrimental or prejudicial to our interests.
1.12"Member" means any person who is registered with an Account, in accordance with the terms of this Agreement.
1.13"Registration Data" has the meaning given to it in clause 3.1.
1.14"Services" means any service provided by us to you under the terms of this Agreement, including the Exchange Service and Cryptowallet Service.
1.15"Transaction" means a transaction by you with another user, under which Digital Assets are purchased or sold via the Exchange.
1.16"Transaction Fees" means the fees which we charge you in relation to a Transaction, as set out at clause 5.
1.17"Transaction Instruction" means an instruction given by you to us to execute a Transaction.
1.18"UKEX Account" means the account in your name which is accessible through the Website and which allows you to receive one or more of the Services.
1.19"Website" means www.ukex.com(including API, mobile APP) or any other website designated as such by us.
2.2Before using any of the Services, you shall read this Agreement carefully, and consult a professional lawyer if you have any doubt as to their meaning. If you do not agree to the Terms and Conditions of this Agreement, you should immediately stop using the Services and stop logging into your UKEX Account. Upon you logging into your UKEX Account or using any of the Services or engaging in any other similar activity, you shall be deemed to have understood and agreed to all of the terms and conditions of this Agreement, including any and all changes, modifications or alterations that we may make to this Agreement from time to time.
2.3If you are not a Member, you can only log into and browse the Website and have access to other services as are permitted by our rules and regulations but cannot enter into any Transactions.
2.4.1confirm that you have attained the age of 18 (or, if different, the statutory age for entering into contracts as is required by the law of the country in which you reside) and have sufficient capacity to accept this Agreement, to enter into a Transaction and to use the Website and the Services.
2.4.2represent that all Digital Assets in which you acquire through Transactions are legally acquired and owned by you.
2.4.3agree to accept any and all liabilities for your own Transactions (and any other activities when using the Services) as well as any and all profits and losses therefrom.
2.4.4confirm that the information provided at the time of registration is true and accurate.
2.4.5agree to comply with the Applicable Laws, including the reporting of any transaction profits for tax purposes.
2.4.6you acknowledge that this Agreement is only binding on the rights and obligations between you and us, and does not involve any legal relations and legal disputes arising from and relating to the transaction of Digital Assets between the users of the Exchange, and between other third parties and you (please see clause 16 for further information).
You confirm that you are a natural person, legal person or other organisation with the power to enter into this Agreement and the ability to use the Services.
You confirm that you do not register as a Member with the intention or the purpose of violating any of the Applicable Laws or for any Excluded Purposes. We shall have the right to refuse to register you as a Member where we reasonably believe that this would be in breach of Applicable Laws.
3.3.1You agree to provide us with your full name, a valid residence address, a valid email address, a mobile phone number and such other information as specified on the user registration page of the Website (all information you provide to us on registration being referred to as 'Registration Data').
3.3.2You agree to provide us with complete, correct and accurate Registration Data and any other information we reasonably request under this Agreement. You agree to keep your Registration Data up to date.
3.3.3Under the Applicable Laws, we are required to verify your identity and make various checks. You consent to us using your Registration Data to perform these checks and you shall provide us with any other information which we reasonably require to carry out these checks (including, without limitation, copies of identity documents or documents confirming your address). Until we have successfully carried out these checks, you will not be able to complete the registration of your UKEX Account.
3.3.4If any Applicable Laws require that mobile phone accounts must be based on real names, you hereby confirm that the mobile phone number you provide for registration purposes has gone through the real-name registration procedure. After you provide the required registration information and such information passes relevant verification, you shall be registered as a Member with access to the Website and Exchange.
3.3.5You agree to receive emails or short messages sent by us related to the management and operation of the Website or Services.
Unless we are prevented from doing so by an event outside our reasonable control (including but not limited to malicious targeted hacking, terrorist attacks, failures caused by network, power or server, third party service provider issues, modification or prohibition of national laws, regulations), we will provide the Services with reasonable care and skill.
4.2.1.1You have the right to browse the real-time quotes and transaction information concerning Digital Assets by accessing the Exchange via the Website, to submit Transaction Instructions to us and to complete the Transaction through the Exchange (please see clause 3 for further information).
4.2.1.2You have the right to participate in the website activities organised by the Website in accordance with the rules of activities posted on the Website.
4.2.2.2withdraw Digital Assets from your Cryptowallet to any other valid address existing on the cryptographic network for that Digital Asset.
You acknowledge that we have no control over the cryptocurrency network for a Digital Asset and our responsibility for withdrawals is limited to ensuring the transfer of the necessary technical data to the relevant cryptocurrency network. You also acknowledge (and agree to pay) any fees that may exist for the use of the relevant cryptocurrency network set out at clause 5.
The cryptocurrency network protocols are likely to be subject to sudden changes in operating rules("forks"), and such forks may materially affect the value, function, and/or the name of the Digital Currency you store in your Digital Currency Wallet. However, it is your responsibility to make yourself aware of, and consider how to deal with, upcoming forks. In the event of a fork, there is a risk that we may need to temporarily suspend operations in relation to that fork without providing advance notice to you. Based on our reasonable judgement, we may not support any one or two forks of the branch. You acknowledge the risks presented by forks and you accept that we have no responsibility to assist you to move or sell an unsupported branch of forked protocol.
4.3.1.3refrain from engaging in any illegal activities or other activities that damages our rights, interests or reputation or those of any third party, such as sending or receiving information that is illegal, illicit or infringes on the rights and interests of any other person, sending or receiving pyramid scheme information or information or remarks causing other harms, unauthorized use or falsification of the email header information of the Website.
4.3.2You shall keep your login details (including all passwords) confidential and you shall not permit anyone else to access your UKEX Account and the mobile phone number bound with your UKEX Account registered to your UKEX Account, as well as the security of the verification codes received via your mobile phone.
4.3.4You shall not maliciously interfere with the normal processing of any Transaction or disrupt the transaction order. You may not use any technical means or other means to interfere with the normal operation of the Website or Exchange or interfere with the other users' use of the services.
4.3.5If any dispute arises between you and any other user in connection with Transaction, we will only provide you with such information as is required by Applicable Law or by judicial or governmental request.
4.3.6All taxes payable as well as all fees relating to hardware, software and services that are incurred by you in the course of using the Services shall be solely borne by you.
4.3.7You shall ensure that you frequently check that your Registration Data is still accurate and shall make any necessary changes.
4.3.8You shall abide by this Agreement and other terms of service and operating rules that the Website may release from time to time.
Depending on the Approved Pairings available, Digital Assets may be purchased by paying either in another Digital Asset or in a Currency. You must ensure that you have sufficient Digital Assets or Currency (as the case may be) before submitting a Transaction Instruction to purchase a Digital Asset.
When you browse the Transaction information on the Website, you shall read all of the displayed Transaction information, including but not limited to the price, consignment, handling fee, buying or selling direction, and you shall accept all the contents contained in the Transaction information before you may click on the button to submit the Transaction Instruction.
After browsing and verifying the Transaction information, you may submit your Transaction Instruction. After you submit the Transaction Instruction, you shall be deemed to have authorised us to broker for you a Transaction with another user of the Exchange. To the extent possible, we will automatically match your Transaction Instruction with another user's Transaction Instruction. All Transactions are executed in accordance with our Execution Policy which can be found on the Website.
(c)where we have been requested not to do so by a court of competent jurisdiction or a regulator.
4.4.4.2Unless prohibited by Applicable Laws, we will notify you of the reason for our refusal to execute the Transaction Instruction.
4.4.5.2pay with another Digital Asset (if permitted by an Approved Pairing), your Cryptowallet will be credited with relevant amount of the Digital Asset you are purchasing and debited with the relevant amount of the Digital Asset which you are paying with.
4.4.5.4receive payment in another Digital Asset (if permitted by an Approved Pairing), your Cryptowallet will be debited with the relevant amount of the Digital Asset you are selling and credited with the relevant amount of the Digital Asset that you are receiving as payment.
You can check your Transaction records in the UKEX Account section of the Website. We use commercially reasonable efforts to assure that your transaction history is accurate and reliable; however, please understand that errors may sometimes occur and such errors do not impact the actual means and results of a given transaction.
4.4.8You have the right to revoke or modify your Transaction Instruction at any time before the Transaction is concluded.
6.1If you wish to enter into Transactions via UKEX Card account.
you will need to register for a UKEX Card Account. If you buy Digital Assets using Currency, your UKEX Card Account will automatically be debited by the relevant amount. If you sell Digital Assets in return for Currency, your UKEX Card Account will automatically be credited by the relevant amount.
6.3You may place funds on your UKEX Card Account by transferring funds via a bank transfer or selling Digital Assets for Currency.
6.4Although it is connected with your Cryptowallet, the UKEX Card Account and Card is operated and provided by Contis and you should refer to the separate terms and conditions applying to that account (which you will have received when registering for the UKEX Card Account).
7.1Where by means of technical testing or manual sampling, among others, we reasonably suspect that the information you provide to us is wrong, untrue, invalid or incomplete, we shall have the right to notify you to correct or update the information.
7.2We shall have the right to correct any information displayed on the Website when we uncover any error in such information (in addition to our general right to modify the Website as we see fit).
7.3We shall ensure the security of your Digital Assets by implementing reasonable security precautions. When we learn of any security risks to your UKEX Account, we shall notify you in advance (so long as notifying you would not further reduce the security of your UKEX Account or the Website).
7.4We shall have the right to delete any content and information on the Website which does not conform to any Applicable Laws or the rules of the Website at any time. We may exercise this right without providing you with prior notice.
7.5We shall have the right to cancel, rollback or block transactions of all type, suspend accounts and freeze funds on our platform in event of abnormal transactions.
7.6We shall have the right to suspend, freeze or cancel accounts that are used by persons other than the persons whose names they are registered under. Accordingly, we will not take legal responsibility for these accounts.
7.7We shall have the right to resolve issues and disputes at our sole discretion. Issues including infringement of others' rights, breach of law and regulations, abnormal trades and others not explicitly mentioned in this Terms and Conditions. You agree to be solely responsible for the costs arising from the process of dispute resolution.
7.8If your violations cause any losses to a third party, you shall be solely responsible for all the legal liabilities in your own name and hold us harmless from any loss, fine or extra expenses. If, due to any alleged violation we incur any losses, is claimed by any third party for compensation or suffers any punishment imposed by any administrative authorities, you shall indemnify us against any losses and expense caused thereby, including reasonable attorney's fee.
8.1This Agreement will continue in force until terminated in accordance with provisions of this clause 8.
8.3If you breach any term of this Agreement we may immediately, suspend your account, issue legal proceedings against you for reimbursement for all costs resulting from the breach, take legal action against you or disclose such information to law enforcement authorities as we reasonable feel is necessary to do so.
8.4If your UKEX Account is terminated for any reason, this Agreement shall be terminated on the same date.
8.5After the termination of this Agreement for any reason, you must immediately stop using any Service.
8.6Expiration or termination of this Agreement for any reason shall not affect our or your accrued rights, obligations.
9.1All intellectual property included in the Website or the Exchange, including, but not limited to, website logos, databases, website design, text and graphics, software, photos, videos, music, sounds and any combinations of the aforementioned files, and the intellectual property rights of software compilation, associated source code and software (including small applications and scripts) belong to us and our licensors absolutely. You are not granted any licence or right to use these materials and other documents or items for any purpose other than in connection your receipt of the Services. You may not copy, modify, transmit or use any of the foregoing materials or content for commercial purposes.
9.2All rights contained in the name of the Website (including but not limited to business goodwill and trademarks, logos) belong to us or our licensor absolutely.
9.3By entering into this Agreement, you shall be deemed, on the basis of your own informed decision, to have transferred and assigned exclusively free of charge to us all copyright of any form of information that you publish on the Website, including, but not limited to copyrights, distribution rights, lease rights, exhibition rights, performance rights, projection rights, broadcasting rights, information network dissemination rights, shooting rights, adaptation rights, translation rights, compilation rights and other transferable rights that copyright owners are entitled to, and we shall have the right to sue for any infringement on such copyright and obtain full compensation for such infringement. This Agreement shall apply to any content that is published by you on the Website and is protected by copyright law, regardless of whether the content is generated before or after the signing of this Agreement.
9.4Your logging into your UKEX Account or use of any of the Services offered by us shall not be seemed as our transfer of any intellectual property to you.
10.1.1When you register for your UKEX Account or , you shall provide personal registration information in accordance with the requirements of the Website, including but not limited to your name, address, telephone number and email address.
10.1.2When you use the services offered by the Website, or visit the Website, the Website will automatically receive and record the server information of your web browser, including but not limited to the IP address and records on the web pages that you request to access.
10.1.3The relevant data collected by the Website in connection with your transactions on the Website, including but not limited to transaction records.
10.1.4Other personal information of yours legally obtained by the Website.
10.2.1.10if you agreed to this, to inform you (including by phone, email and SMS) about similar products that we provide, but you may stop receiving these communications at any time by contacting us at the email address set out in this Agreement.
We will share your personal information with third parties providing services to us, such third parties' and our group companies and our representatives for these purposes. These transfers are either necessary to perform the Services or we have taken steps to ensure that there is adequate protection for your personal information in these circumstances. We store and process your Personal Data in data centres around the world, wherever UKEX facilities or service providers are located. As such, we may transfer your Personal Data outside of the European Economic Area ("EEA"). Such transfers are undertaken in accordance with our legal and regulatory obligations.
10.3We will share your personal data where the law either requires or allows us to do so to protect our legitimate interests (e.g. your personal data can be shared with law enforcement agencies, government bodies and regulators to prevent or detect crime, money laundering, terrorist financing or other criminal activities).
10.4We are required by law to carry out all necessary security and customer due diligence checks on you (including any parties involved in a Transaction) in order to provide the Services. On occasion, to assist with these checks and to meet our legal obligations, you agree to comply with any request from us for further information and provide such information in a format acceptable to us. In addition, you understand that as part of these checks we may make, directly or through any third party, any inquiries we consider necessary to validate the information you provided to us.
All Transaction calculations are verified by us, and all of the calculation methods which we use have been posted on the Website, but we cannot ensure that your use of the Website will not be uninterrupted or free from errors.
12.2We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents, representatives or subcontractors; for fraud or fraudulent misrepresentation, including pre-contract fraudulent misrepresentation or fraudulent concealment; or for breach of your legal rights where it would be unlawful to exclude or limit such legal rights in relation to the services.
12.3We are not liable for business losses. We will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
12.4.2where we have a reasonable belief that your conduct on the Website or use of the Services is suspected of being illegal or improper or is for an Excluded Purpose.
12.4.3Use of your account or alteration of your data by third parties.
12.4.4Failure to use our service or your misunderstanding of our service.
12.5.4we do not make any warranties and commitments in connection with any of the information, products and business of any third-party websites which the Website link to.
12.5.5We have no control over, or liability for, the delivery, quality, safety, legality or any other aspect of any goods or services that you may purchases or sell to or from a third party (including other users of UKEX of digital currency service). We are not responsible for ensuring that a third-party buyer or a seller you transact with will complete the transaction or is authorised to do so. If you experience a problem with any goods or services purchased from, or sold to, a third party using digital currency transferred using the UKEX service, or if you have a dispute with such third party, you should resolve the dispute directly with that third party. If you believe a third party has behaved in a fraudulent, misleading, or inappropriate manner, or if you cannot adequately resolve a dispute with a third party, you may notify us at [email protected] so we may consider what action to take, if any.
12.6We do not make any explicit or implicit warranties in connection with the market, value or price of Digital Assets. You acknowledge that the digital asset market is unstable, that the price and value of assets may fluctuate or collapse at any time, and that the transaction of digital assets is based on your informed decision and therefore you shall assume any and all risks and losses that may possible arise therefrom.
You will be liable to us and our employees, officers and partners against any and all loss, damage, claims, demands, costs, expenses, of any kind and nature incurred by us directly or indirectly arising from your violation of any provision of this Agreement, or fraudulent use of the Services. This includes any legal costs that we may incur in order to enforce our rights or recover any amounts you owe us. This clause shall survive any termination of this Agreement.
We may at any time amend this Agreement. We shall notify you of any changes to this Agreement either by posting a notice on the platform or by emailing you at the email address listed in your Registration Data. We will update the latest revision time in this Terms and Conditions, and you promise to check the agreement whenever you login our website. Following any amendments, if you continue to use any of the Services you shall be deemed to have agreed to the revised terms of this Agreement. If you do not agree to the amended Agreement, you must immediately stop the use of the Services and request the closure of your UKEX Account.
If you have any complaints relating to any of the Services provided to you under this Agreement, please contact us at [email protected] and we shall do our best to resolve your complaint. Please note that if your complaint relates to the UKEX Card Account, please contact Contis directly or if you still send the complaint to us, we will refer the complaint to Contis.
16.1This Agreement solely concerns your use of the Exchange to enter into Transactions with other users (and ancillary services as specified in this Agreement). Before purchasing Digital Assets you should determine what, if any, rights attach to the Digital Assets which you intend to purchase (as may be granted by a third party, such as any initial issuer of the Digital Asset). You acknowledge that, unless specifically stated in this Agreement or any other agreement which we may enter into with you, such terms apply as between you and the third party granting such rights.
16.2Our Digital Currency Services are available only in connection with those digital currencies that we support, and this may change from time to time. Under no circumstances should you attempt to use your Cryptowallet to store, send, request, or receive digital currencies in any form that we do not support (although we will use reasonable efforts to help you move or sell Digital Currency that we no longer support). We assume no responsibility or liability in connection with any attempt to use your Cryptowallet for digital currencies that we do not support.
16.3Unless specifically announced on the UKEX official website or other official public statement of UKEX, we do not support metacoins, coloured coins, side chains, or other derivative, enhanced, or forked protocols, tokens, or coins which supplement or interact with a Digital Currency we support (collectively, "Advanced Protocols"). You should not use your UKEX Account to attempt to receive, request, send, store, or engage in any other type of transaction involving an Advanced Protocol. Our platform is not configured to detect and/or secure Advanced Protocol transactions. You acknowledge and agree that we have no responsibility whatsoever in respect of an unsupported Advanced Protocol.
Please note that these terms apply only to those Members of the UKEX platform who hold the digital assets or cryptocurrencies known as 'GBP*', 'USD*' and 'EUR*' (together known as UKEXCoins) from time to time. The provision of UKEXCoins to Members via UKEX is not an offer to the public for the sale of UKEXCoins.
UKEXCoins are a new type of Digital Asset which has a value represented in the relevant traditional currency (British pound for GBP*, US dollar for USD* and European eur for EUR*) and which will fluctuate according to the market value. It is being provided by UKDE through the UKEX platform.
UKEXCoins are issued by a third party to UKDE who will subsequently provide the token to Members via the UKEX platform. UKEXCoins are a token issued based on the ERC-20 standard.
16.4.2What rights and limitations attach to UKEXCoins?
From time to time, UKDE may, in its absolute discretion, announce on its website the existence of certain additional rights which attach to a UKEXCoin. These rights will be subject to any limitations stated in those announcements. UKEXCoin provides the holder with no other rights and grants no rights, ownership or security over UKDE or its assets.
16.4.3How much can I buy/sell a UKEXCoin for?
When UKDE provides UKEXCoin to you under these terms, it will state on its website the price at which you can purchase the issued UKEXCoins from UKDE.
Any subsequent trading of UKEXCoins on the UKEX platform will occur at the market price, as determined in accordance with the laws of supply and demand and other factors. UKDE may offer to purchase from you GBP* for British pound, EUR* for European eur and USD* for US dollar but you acknowledge that this will be at UKDE's absolute discretion and you have no right to sell UKEXCoins to UKDE for a given price (or at all).
17.1We may transfer our rights and obligations under this agreement to another organisation.
17.2You may not transfer to any third party any of your rights or obligations under this Agreement without our written consent.
This Agreement is between you and us. Other than as provided in clause 17.1 above, no other person shall have any rights to enforce any of its terms.
This Agreement is governed by English law. This means that the Services (and any dispute or claim arising out of or in connection with it, including non-contractual claims or disputes) will be governed by English law.
You can bring legal proceedings in respect of claims or disputes (including non-contractual claims or disputes) arising from or related to this Agreement in the English courts. If you live in Scotland, you can bring legal proceedings in either the Scottish or the English courts. It you live in Northern Ireland, you can bring legal proceedings in either the Northern Irish or the English courts.
By browsing, visiting or using UKEX, our APP and exchange service (collectively, service), you ('user') shall be deemed to have understood and agreed to all of the terms and conditions of this policy. Please carefully review and consider the terms of this policy, if you do not agree to the policy, you must immediately stop the use of the Services.
We may at any time amend this policy, include but not limited to any policy or instruction on the platform. We shall notify you these changes either through marking the amended versions with latest release date on the top of the policy, or any other method we decide that is appropriate. Any changes or modifications will take effective immediately upon posting on this website and applies to all current and subsequent use or services.
If you continue to use any of the Services you shall be deemed to have agreed to the revised terms of this policy. If you do not agree to the policy, you must immediately stop the use of the Services. You are advised to review the policy regularly to ensure that you understand the terms and conditions.
For the purposes of applicable data protection law (in particular, the General Data Protection Regulation (EU) 2016/679 (the "GDPR")), the entity referred to above is the "data controller" of your personal data.
· When you create an account on our site in order to become a user, we may process your personal data - including your name, address, e-mail address, phone number, vehicle registration number, payment method, debit card information .
· information about your visit; products, services or issues you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the site.
· We may also receive information about you when our payment service provider settles a payment on your behalf and /or from your bank in the event there is a failed payment.
· Information about other people: If you provide information to us about any person other than yourself, such as your relatives, next of kin, your advisers or your suppliers, you must ensure that they understand how their information will be used, and that they have given their permission for you to disclose it to us and for you to allow us, and our outsourced service providers, to use it.
· Improving the quality of experience when you interact with our services.
· Responding to requests by government or law enforcement authorities conducting an investigation.
We can share your personal data with our subsidiaries and/ or affiliates.
· Contis, for the purposes of you having a UKEX&VISA Account or Visa Card.
· Providers that assist us with our anti-money laundering, sanctions, terrorist financing obligations and other financial services.
· Third party card processing and merchant acquiring companies that will process your debit card payments for us.
· Debt collection companies we have appointed where you fail to make a payment to us despite several notifications to you.
As an international organisation, authorised personnel may access your personal information in any country in which we operate. Therefore, it may be necessary to transfer your details to members of our group located in countries that may not offer equivalent data protection or privacy laws to those in the UK or the EU.
Regardless of where your personal information is transferred, we shall ensure that your personal information is safe and shall take all steps reasonably necessary to put in place appropriate safeguards to ensure that your personal information is treated securely and in accordance with this statement and applicable law.
We do not provide your information for marketing purposes or to marketing companies.
· If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms and conditions https://ukexsupport.zendesk.com/hc/en-us/articles/360005099472-General-Termsand other agreements; or if we reasonably consider this necessary; or to protect the rights, property, or safety of UKDE, our users, our customers, or others.
· Access:You have the right to request a copy of the personal data that we hold about you. Please note that there are exceptions to this right, so that access may be denied if, for example, making the information available to you would reveal personal data about another person, or if we are legally prevented from disclosing such information. You are entitled to see the personal data held about you. If you wish to do this, please contact us using the contact details provided below.
· Accuracy:We aim to keep your personal data accurate, current, and complete. We encourage you to contact us using the contact details provided below to let us know if any of your personal data is not accurate or changes, so that we can keep your personal data up-to-date. You can also review and correct/ update some of your personal data by logging-in to your account on our site.
· Objecting:In certain circumstances, you also have the right to object to processing of your personal data and to ask us to block, erase and restrict your personal data. If you would like us to stop using your personal data, please contact us using the contact details provided below.
· Porting:You have the right to request that some of your personal data is provided to you, or to another data controller, in a commonly used, machine-readable format.
· Erasure:You have the right to erase your personal data when the personal data are no longer necessary for the purposes for which they were collected, or when, among other cases, your personal data have been unlawfully processed.
· Complaints:If you believe that your data protection rights may have been breached, you have the right to lodge a complaint the applicable supervisory authority or to seek a remedy through the courts.
You can exercise any of the abovementioned rights by emailing us at: [email protected].
We will retain your personal data, whether or not your account is active, for as long as we believe it necessary or desirable to fulfil our business purposes or to comply with applicable law, audit requirements, regulatory requests or orders from competent courts.
Questions, comments and requests regarding this Policy are welcomed.
UKDE Limited (referred to as ''us', 'our', 'we') is a company incorporated under the laws of England and Wales (company registration number 11313452) and whose registered address is at Level 39 One Canada Square, Canary Wharf, London, United Kingdom, E14 5AB. UKDE operates a website, UKEX.com (referred to as 'UKEX', 'us', 'our', 'we') which is a platform dedicated to facilitating transactions in Digital Assets and the provision of related services. UKEXis a trading name for the Exchange and related services provided by UKDE Limited.
By browsing, visiting or using UKEX, our APP and exchange service (collectively,service), you ('user') shall be deemed to have understood and agreed to all of the terms and conditions of this statement. Please carefully review and consider the terms of this statement, if you do not agree to the statement, you must immediately stop the use of the Services.
We may at any time amend this statement, include but not limited to any policy or instruction on the platform. We shall notify you these changes either through marking the amended versions with latest release date on the top of the statement, or any other method we decide that is appropriate. Any changes or modifications will take effective immediately upon posting on this website and applies to all current and subsequent use or services.
If you continue to use any of the Services you shall be deemed to have agreed to the revised terms of this statement. If you do not agree to the statement, you must immediately stop the use of the Services. You are advised to review the statement regularly to ensure that you understand the terms and conditions.
This statement is a summary of the policies and procedures which we have implemented to reduce the risk of money laundering and terrorist financing. This statement only covers the use of the UKEX Exchange and other policies may apply for customers receiving separate services from us or our partners (such as the use of a debit card).
Due to new UK anti-money laundering legislation which is due to enter into force on 10 January 2020, providers of cryptocurrency exchanges (such as UKDE) will become subject to the UK anti-money laundering regime. As a matter of best practice, we have decided to comply with these requirements before this date. We are already subject to a number of other laws in the UK, including the Proceeds of Crime Act 2002 and the Terrorism Act 2000.
What is money laundering/terrorist financing?
1. Money Laundering is the process whereby criminals conceal the actual ownership and origin of the proceeds of criminal activities. The phrase 'money laundering' can cover all methods used to obscure the identity of illegally obtained assets so that they can be used for legitimate purposes.
2. Terrorist financing is the use of financial systems and infrastructure to fund terrorism.
3. We will seek from customers such information as is necessary in order to verify their identity in accordance with the requirements which exist under the UK's anti-money laundering regime. We may use third party sources to verify information about customers or may require customers to produce copies of documents which evidence their identity.
4. Customer due diligence will be conducted on a risk-sensitive basis, with customers posing the highest risk being required to provide more information than customers who pose a low risk. We have in place policies and procedures to recognise when there is a higher risk of money laundering. Customers who are also considered politically exposed persons (PEPs) will be identified and be subject to a more stringent verification procedure.
5. If we are unable to verify a customer's identity, we will not enter into a business relationship with that customer or allow that customer to make a transaction on the UKEX exchange. If we consider that a customer poses a sufficiently high risk of money laundering then we will not enter into a business relationship with that customer.
7. Once a customer's identity has been verified, we have ongoing obligations to monitor transactions which occur on the UKEX platform to determine whether a customer's transactions are suspicious.
8. We have in place policies and procedures which allow us to recognise which transactions are suspicious and merit further investigation.
9. We have appointed a Money Laundering Reporting Officer (MLRO) who will be responsible for overseeing our anti-money laundering function, ensuring that all disclosures which are required by law are made (including any suspicious activity reports) and reporting to the board of directors with an annual report on the compliance with the money laundering regime.
10. We train all relevant staff so that they are familiar with the process for verifying the identity of customers and to recognise the signs that there may be an increased risk of money laundering and how to deal with that increased level of risk.
11. The MLRO and our board of directors will regularly review the policies and procedures to ensure that they remain effective in preventing the use of the UKEX platform for money laundering and terrorist financing.
12. In addition to complying with the UK's anti-money laundering regime, we follow policies and procedures to comply with the UK's sanctions regimes.
13. Checks are undertaken to ensure that potential customers are not listed on any sanctions list maintained by the UK Government. We will not allow any person who is on a sanctions list to use the UKEX exchange to make a transaction.
We may collect information about your computer, including your IP address, operating system and browser type, for system administration and to report aggregated information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual. We may collect information about your use of our website, such as pages visited, links clicked, non-sensitive text entered, and mouse movements.
Our purpose in collecting this information is to better understand how UKDE's visitors use our website and to identify any usability problems, so that we may make the necessary improvements to enhance our visitors' experience in the future. When we collect this information, your identity will remain anonymous and we do not use this information to identify you.
We may obtain information about your general internet usage by using a cookie file which is stored on the hard drive of your computer. Cookies contain information that is transferred to your computer's hard drive.
Most web browsers offer users controls, to give you the option to delete or disable cookies. You can usually find out how to do so by referring to the 'Help' option on the menu bar of your browser, or by visiting the browser developer's website. This will usually tell you how to prevent your browser from accepting new cookies; notify you when you receive new cookies; and disable cookies altogether. Please note that disabling cookies will stop you accessing private areas of the website. Blocking all cookies will have a negative impact upon the usability of many websites. If you block cookies, you will not be able to use all the features on our website.
By browsing, visiting or using UKEX, our APP and exchange service (collectively, service) , you ('user') shall be deemed to have understood and agreed to all of the terms and conditions of this Agreement. Please carefully review and consider the terms of this Agreement, if you do not agree to the Agreement, you must immediately stop the use of the Services.
We may at any time amend this Agreement, include but not limited to any policy or instruction on the platform. We shall notify you these changes either through marking the amended versions with latest release date on the top of the agreement, or any other method we decide that is appropriate. Any changes or modifications will take effective immediately upon posting on this website and applies to all current and subsequent use or services.
If you continue to use any of the Services you shall be deemed to have agreed to the revised terms of this Agreement. If you do not agree to the Agreement, you must immediately stop the use of the Services. You are advised to review the agreement regularly to ensure that you understand the terms and conditions.
1.We, under no circumstance, entertains the refund or cancellation of a successfully fulfilled order. Once the user has placed an order, which has been fully or partially matched, the amount in the fiat or cryptocurrency corresponding to the order will be transfer to the other user's account immediately and these transactions cannot be reversed.
2.However, if the fiat or cryptocurrency is deposit to the user's account, the user always has the option to withdraw the fiat or cryptocurrency in full or in part in accordance with the withdrawal limits.
3.We shall be entitled to retain/deduct the amounts in fiat or cryptocurrency due to actions from the user and transfer or refund the balance lying in the User Account, except when it is unable to do so in compliance with applicable laws. Purchase of any cryptocurrency can be done in either fiat or crypto currency and the respective fiat or cryptocurrency shall be deducted from the user's account. Sell of any cryptocurrency can be done with either fiat or cryptocurrency and the respective amount will be credited to the user's account.
UKEX Card account Terms & Conditions.These Terms & Conditions apply to your UKEX Card account and Visa prepaid or debit card which maybe a physical or virtual card. Please read them carefully. You can download a copy of these Terms & Conditions at any time from within your online account portal. Log in via our website (www.ukex.com ).
"Distributor" means UKDE Ltd, a third party who may distribute the account and card to you on our behalf.
"You" means the named account holder being the authorised user of the UKEX Card account and Visa prepaid or debit card and any additional cardholder.
· Post: 1st Floor, Navigation House, Belmont Wharf, Skipton, North Yorkshire, BD23 1RL.
Your UKEX Card account and Visa prepaid debit card is issued by Contis Financial Services Limited, Navigation House, Belmont Wharf, Skipton, North Yorkshire, BD23 1RL, who is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (registered number 900025) as an e-money issuer. Your UKEX Card account and card may be distributed by a third party on our behalf.
1.What is a UKEX Card account and card?
A UKEX Card account is an electronic money account from which you can make and receive payments. You can use your account to make transfers to other accounts, set up standing orders and make direct debit payments.
A UKEX card is a Visa card that can be used worldwide wherever Visa is accepted. It can be used online, in shops, over the phone or to withdraw cash from an ATM.
You can only spend money that you have paid into your account, so before making transfers or using your card you need to make sure there are enough funds in the UKEX Card account. Monies in the UKEX Card account are not bank deposits and do not earn interest.
2.Who can apply for a UKEX Card account and card?
You must be at least 18 years old and a UK or EEA resident to be issued with a UKEX Card account and card. You can only apply if you are currently have an agreement with the Distributor for a UKEX Card account. You must provide an email address and mobile phone number to open an account so that we can communicate with you. There is a maximum of three accounts at each residential address.
3.How can I apply for the UKEX Card account?
You can apply on our website(www.ukex.com) .
4.How do I get started?
· by calling our Customer Services team on +44(0)330 041 7720 and choosing the activation option.
You also need to obtain your PIN to authorise chip-and-pin transactions and ATM withdrawals. You can get your PIN by calling Customer Services when you activate your card.
5.What if I want to change my Personal Identification Number (PIN)?
If you want to change your PIN, you can do so at any ATM with the Visa logo in the UK. You can get a reminder of your PIN by calling Customer Services at +44(0)330 041 7720.
6.How do I add funds to the UKEX Card account?
You may pay in to your account via your Distributor, by transfer from a bank account, by cash at selected retail outlets and any other method notified in your online account portal from time to time. The time taken to credit funds to your account will depend on the method of deposit used. You cannot pay into your account by a balance transfer from a credit card. You may only pay in funds up to your maximum account balance.
A fee may apply for each payment into your account through a PayPoint retailer, please refer to the Fees and Limits table (section 32). Certain minimum and maximum limits and usage requirements apply to your account and card; such limits and requirements are detailed in the Fees and Limits table (section 32). We reserve the right to refuse to accept any particular payment if we suspect any fraudulent activity or in the event of other exceptional circumstances.
Where an overpayment has been made to your account in error, we reserve the right to debit the account with the excess amount to correct the payment transaction.
You may transfer funds to your envelopes within your account, details are available at the website (www.ukex.com). You are responsible for ensuring there are enough funds in your available balance for us to authorise your transactions or enough funds in your envelope to pay any future standing orders or direct debits you have set up.
· wave or swipe the card over a card reader.
An account transaction is authorised by you when you access your online account using your personal security details and submit a transaction request or where you have set up a Direct Debit instruction. You must ensure that you input the correct bank account details for any payment you request from your account.
You may, in addition, be required to enter a one time passcode or other security information including biometric information to authorise a transaction or make account amendments. One time passcodes will be sent to the mobile phone number registered to your account.
As soon as a transaction is authorised, we will deduct the value of your transaction from the available balance on your account. Fees may be deducted at the time of authorisation or when the transaction has been confirmed through the Visa system. A full breakdown of each transaction, including charges, will be available to view on your online account portal.
· for other transactions that are communicated directly to us, at the time you ask us to complete the transaction or if after 2.30pm for same day bank transfers (CHAPS) and 5pm for other bank transfers the instruction will be deemed to have been received by us on the following business day.
8.Can I cancel a transaction?
Generally, authorisation for a transaction may not be withdrawn by you. However, you may be able to withdraw your authorisation where you have authorised a transaction which will take place on a future date. However, where a specific date is agreed, you may not revoke a payment order after the end of the business day preceding the agreed date.
You can cancel a Direct Debit or standing order mandate at any time by contacting us and you can manage cancellations online through your account or on the mobile app. If you want to make sure that no further payments are made under a Direct Debit you should cancel three working days before the day on which the next payment is due to be made. You must also contact the originator of the Direct Debit. You cannot normally cancel a single payment which is due to be made under a continuing Direct Debit unless you dispute the amount or date of a payment advised to you in an advance notice issued under the terms of a variable Direct Debit authority. In any other circumstances the whole Direct Debit authority must be cancelled.
To withdraw your authorisation of a Visa card continuous payment authority, you must notify the retailer before the close of business on the business day before the day on which the transaction was due to take place and provide us with a copy of the notice if requested.
We may charge you an Administration Fee if a transaction is revoked by you under this paragraph (see the Fees and Limits table (section 32).
9.Can I pay for things in a foreign currency?
Your card is denominated in British Pounds Sterling, European Euro or US Dollar If you make a purchase or an ATM withdrawal in any other currency we will convert the sum into the card currency using the exchange rate set by Visa on the day they process the transaction, this may differ from the actual date of the transaction.
An international transaction fee will apply to each of these transactions (see the Fees and Limits table (section 32).
10.Is there anything I can't buy with my UKEX card?
You may not use your card for illegal purposes. It also cannot be used for a limited number of specified transactions. Please see our website for details: https://ukexsupport.zendesk.com/hc/en-us/categories/360000590631-Help-Centre .
11.How can I check my UKEX Card account?
This information is accessible at all times via your online account portal, is available free of charge, and can be stored and reproduced as necessary.
12.How long will the UKEX card last?
13.Does the UKEX Card account and card have spending limits?
You can only spend the money that is paid into your account. Limits also apply to daily ATM withdrawals, and other limits may be applied to the amount of spend and the number of transactions you can perform. See the Fees and Limits table (section 32) and your online account portal for further details.
We may collect this shortfall from any card you have with us or from any funds which you subsequently pay into your account. We may suspend your cards until the negative balance is restored and charge you an Administration Fee (see the Fees and Limits table (section 32)) for transactions that you make using your card that results in a negative balance or increases the negative balance on your account.
14.What if I have been overcharged or charged for transactions I didn't make?
If you dispute a transaction that has been processed on your card you should contact the merchant first as this may lead to the quickest resolution. If the dispute cannot be resolved with the merchant or you dispute any other account transaction you should contact us without undue delay and in any event within 13 months on becoming aware of any unauthorised or incorrectly executed payment transaction.
(b)restore the debited payment account to the state it would have been in had the unauthorised payment not taken place.
Beyond this, we will have no further liability to you. Where payee details provided by you are incorrect, we are not liable for non-execution or defective execution of the payment transaction, but we will make reasonable efforts to recover the funds involved in the payment transaction and notify you of the outcome.
· a pre-authorised transaction did not specify the exact amount at the time of its authorisation and the amount charged is more than could reasonably be expected, taking into account previous spending patterns on the card and the circumstances of the transaction. We will either refund the full amount of the payment transaction; or provide justification for refusing to refund the payment transaction. Any refund or justification for refusing a refund will be provided within 10 business days of receiving a request for a refund or, where applicable, within 10 business days of receiving any further information requested. A claim for a refund in these circumstances will not be accepted if the amount of the transaction was made available to you at least 4 weeks before the transaction date or if the claim is made more than 8 weeks after being charged to your account.
If you allow payments to be made from your account using the UK Direct Debit Scheme, the Direct Debit Guarantee (which you'll be given on the Direct Debit form or Direct Debit confirmation) will apply instead of the terms contained above and in section 17.
You must keep your card and security credentials safe and not let anyone else know or use them. You must keep your security information secret at all times; never disclose your PIN or security information to anyone and do not store details of your PIN with your card. Security information includes your login and password details used to access your account or any other website where your card or account details are stored. We also recommend that you check the balance on your account regularly on the mobile app, through logging onto your account at the website (www.ukex.com) or by contacting Customer Services.
16.What if my UKEX card is lost or stolen or my account details are compromised?
If you lose your card or it is stolen, or you suspect that someone else has found out your PIN or security information or accessed your account without your permission, you must tell us without undue delay by calling us or logging onto your account through the mobile app or website and notifying us. Your card will be cancelled immediately and your account may be blocked. We run a dedicated line for lost or stolen cards; the number is +44 (0)1756 693 275 and calls are charged at the standard geographical rate. If, after reporting a lost card, you subsequently find the card you must not use it. Cut it in half through the signature box, magnetic strip and chip.
If you ask us to do so, and provided that you provide information and assistance that we request from you, we will investigate any disputed transaction or misuse of your card or account.
If the investigations show that any disputed transaction was authorised by you, or you have acted fraudulently or with gross negligence (for example by failing to keep your card, security information or PIN secure or by failing to notify us without delay on becoming aware of the loss, theft, misappropriation or unauthorised use of the card or account), then we will not refund the transaction amount and you will be fully liable for all losses incurred because of the unauthorised use of the card or account.
If the investigations show that you have not acted fraudulently or with gross negligence, your maximum loss or liability to us for any unauthorised transaction will be limited to £35 and we will process a refund as soon as practicable, and in any event no later than the end of the business day following the day after we receive your notification.
17.Will you ever block a transaction without me asking?
· because of errors, failures (whether mechanical or otherwise) or refusal to process a transaction by merchants, payment processors or payment schemes such as Visa, BACS or CHAPS.
18.Can I cancel my UKEX Card account and card?
You have a legal right to cancel your account and card up to 14 days from the date your account is opened without incurring any penalty and we will refund any card issue fees. We may charge you a Card Cancellation Fee if we have already incurred costs by ordering a card in your name. You can also cancel your card any time after the 14 day period subject to a Redemption Fee (the Fees and Limits table (section 32)) by contacting Customer Services. You should also cut your cancelled card in half through the signature box, magnetic strip and chip.
All fees and charges will be apportioned up until the time of the termination of the contract, and any fees and charges paid in advance will be reimbursed proportionally. You will not be entitled to a refund of money you have already spent on transactions authorised, or pending or any fees for use of the card or account before the card or account is cancelled or expires.
19.Could my UKEX Card account be cancelled?
· if you fail to pay fees or charges that you have incurred or fail to pay back any negative balance on your card.
· need to do so to comply with the law.
We may also deny access to your card and/ or account where we consider it to be at risk of money laundering or terrorism financing, fraud or other criminal activity. Should we need to take these actions and where possible, we will give reasons for doing so except where restricted by law.
In these circumstances, you must tell us what you want us to do with any unused funds. You must do this within 3 months of the date we tell you that your account is cancelled.
20.Can I get money back once I have put it on?
You can clear the balance on your account through spending, ATM withdrawals, or transfers to other bank accounts. See the Fees & Limits table (section 32) for the fees that would apply.
· you request redemption more than one year after the date of termination or expiry of this agreement.
If one of these situations does apply then we will charge a Redemption Fee (see the Fees and Limits table (section 32)).
All funds will be returned to a bank account of your choice. We reserve the right to see proof of your ownership of the bank account before transferring funds to it. To enable us to comply with our legal obligations, we may ask you to provide us with certain information such as identification documents before we can process your refund request.
21.Is money on my UKEX Card account protected like my bank account?
The account and associated card is an electronic money product and although it is a product regulated by the Financial Conduct Authority, it is not covered by the Financial Services Compensation Scheme. No other compensation scheme exists to cover losses claimed in connection with the account and associated card. We will however ensure that any funds received by you are held in a segregated account so that should we become insolvent your funds will be protected against claims made by our creditors.
22.What if I have a complaint?
We will make every possible effort to address all points of complaint by email. We will respond within 15 business days upon receiving the complaint. If a full response cannot be providing within these timeframes, we will send a holding reply with a full response to follow within 35 business days.
If we are unable to resolve your complaint to your satisfaction you may contact the Financial Ombudsman Service at Exchange Tower, London, E14 9SR. Telephone: +44 (0)800 023 4 567 from landlines, +44 (0)300 123 9 123 from mobile phones or +44 (0)20 7964 0500 for calls from outside the UK and e-mail: [email protected].
23.What if I change my details?
You must let us know as soon as possible if you change name, address, telephone number, mobile number or e-mail address. If we contact you in relation to your account, we will use the most recent contact details you have provided to us. Any e-mail or SMS text message sent to you will be treated as being received as soon as it is sent by us. We will not be liable to you if your contact details have changed and you have not told us.
24.What will happen to my personal information?
25.Will these Terms & Conditions ever change?
We may change these Terms & Conditions by notifying you by e-mail or other agreed means at least two months before the change is due to happen. We will assume that you agree with the change. If you do not agree with the change you must tell us before the change happens and we will cancel your account immediately. If you cancel your account in this way then we will return any balance on the account to you and you will not be charged a Redemption Fee.
An up-to-date version of the account Terms & Conditions, as well as any notices of future changes will always be available via our website, www.ukex.com. You should check our website and your online account portal regularly for such notices and changes.
26.When may use of the UKEX card and account be interrupted?
From time to time, your ability to use your card or account may be interrupted, e.g. when we carry out systems maintenance. If this happens, you may be unable (a) to use your card to pay for purchases or obtain cash from ATMs and/or (b) to obtain information about the funds available in your account and/or about your recent transactions.
In addition, like other payment cards, we cannot guarantee a merchant will accept your card, or that we will necessarily authorise any particular transaction. This may be because of a systems problem, something outside our reasonable control, to comply with legal and regulatory requirements, or because we have suspended, restricted or cancelled your account or refused to replace it in accordance with these Terms & Conditions.
If we incorrectly deduct funds from your account, we will refund them. If we subsequently establish that the refunded amount had in fact been correctly deducted, we may deduct it from your available balance and may charge you a fee. If you do not have sufficient available balance, you must repay us the amount immediately on demand.
If unauthorised transactions occur after you have notified us of the loss, theft, compromise or unauthorised use of your card or account, and you have not acted fraudulently or in breach of these Terms and Conditions, then we will be liable.
· any abnormal and unforeseeable circumstances beyond our control, however so caused.
Nothing in these Terms and Conditions shall operate to exclude liability for death or personal injury due to negligence or for fraud or fraudulent misrepresentation or for any statutory liability that cannot be excluded or amended by agreement between the parties.
28.When can I be charged (other than the fees in section 32)?
· have been grossly negligent, for example by failing to keep your card or PIN secure or by failing to notify us without delay after your card is lost, stolen, or used by someone else or where your account has been compromised.
If you have not been fraudulent, or grossly negligent, and have used your card and account in accordance with these Terms & Conditions, your maximum liability for any unauthorised transaction resulting from the use of a lost or stolen card or details before you notify us will be £35.
29.Am I permitted to give access to third party providers?
You may allow regulated Third Party Providers ("TPPs") (including Account Information Service Providers ("AISPs") and Payment Initiation Service Providers ("PISPs")) access to your online account; either to make payments, obtain account balances or obtain information on previous transactions.
c) familiarise yourself with your obligations and rights under the TPP agreement, in particular your right to withdraw consent to access your account.
We may refuse to allow a TPP access to your account where we are concerned about fraudulent or unauthorised access.
b) any actions that the TPP takes in relation to suspending or terminating your use of their service or for any resulting losses.
30.Can I assign my rights or obligations under these Terms and Conditions?
32.What are the fees and limits?
First charge is within 15 days of card request.
Any transaction in a foreign currency will be converted into pounds. We'll do this at the rate of exchange provided by Visa Europe on the date they process the transaction which may differ from the actual transaction date. See more information on exchange rates on the Visa Europe website.
UK retailers when making a purchase.
Add funds to your UKEX Card account by bank transfer from a UK bank account.
Maximum load amount of £249.
Balance enquiries are FREE through your mobile app or by logging into your account online.
Optional service for confirmation of statement generation, bank transfers from account and marketing messages.
Calls to [+44(0)330 041 7720] are charged at standard geographical rates and will be included in mobile phone inclusive minute packages.
Administration fee for instigating a chargeback on request of the Cardholder, transaction revocation, manually rectifying Cardholder errors or investigating shortfalls.
When you request a funds transfer on closing of the account.
Your Visa UKEX card and account is issued by Contis Financial Services Ltd who is authorised by the Financial Conduct Authority to issue e-money (Firm Reference Number: 900025) and is a member of Visa. Registered head office is Navigation House, Belmont Wharf, Skipton, North Yorkshire, United Kingdom BD23 1RL.
Please note that UKEX Visa card and account is an electronic money product and although it is a product regulated by the Financial Conduct Authority, it is not covered by the Financial Services Compensation Scheme. We ensure that any funds received by you are held in a segregated account so that in the unlikely event that Contis Financial Services Ltd becomes insolvent your funds will be protected against claims made by creditors.
Contis Financial Services Limited ("we", "us" or "our") is committed to protecting and respecting your privacy.
If you have any queries, you can contact us using the details provided at the end of this policy in the "Contacting Us" section.
· where it is necessary for us to enter into and/or perform a contract with you (for example, to create your account and provide our services to you).
· in a way which might reasonably be expected as part of running our business and which does not materially impact your interests, rights or freedoms. For example, we might collect technical information about you when you visit our Website or App to improve your experience on our Website or App. Please contact us using the details below if you would like further information about this.
· to comply with our legal obligations. For example, to pass on details of people who are involved in fraud and to carry out anti-money laundering checks.
· In some cases, where you have consented to us using your data, for example, where you subscribe to our email newsletter.
· ID document numbers such as passport, driving licence or ID card.
· you appear to have deliberately hidden your true identity.
We will also collect any other personal data that you provide to us when you use our Website or App, such as when you participate in discussion boards, social media functions or competitions.
· Information about your visit, including the URL clickstream to, through and from our site (including date and time); pages, resources and/or products you viewed or searched for; page response times, errors, length of visits to certain pages, page interaction, and methods used to browse away from the page.
· Information about your interaction with our emails, including whether you have opened the email, the number of times the email is accessed, and your interaction with email content including the links you have clicked.
· to make suggestions and recommendations to you and other users of our Website/App about goods or services that may interest you or them.
· A third party if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Terms and Conditions and other agreements; or to protect the rights, property, or safety of Contis Financial Services Limited, our customers or others.
Our third party data host provider uses servers located in the US to store personal data. As a result, when you use our Website or App, your personal data will be transferred to the US which is located outside of the European Economic Area and so is not governed by European data protection laws.
However, we have entered into the standard contractual clauses (Model Clauses) adopted by the European Commission with OrcsWeb Inc, in order to safeguard personal data when it is accessed from outside of the European Economic Area.
If you connect or integrate any social media services with services we provide, you may receive social notifications either from us or from third party companies providing social media services on our behalf. You can manage these social notifications through changing your privacy settings on the relevant social media site or discontinuing any interaction. If you register and provide information to a forum or blog on our Website or App, the information you provide will be published and will be publicly available on our Website or App. It may also be used to address any concerns or complaints about our services directly with you if you are an account holder.
Any changes we make to our policy will be put on our Website and App and, where appropriate, notified to you by e-mail. Please check for updates from time to time.
· If you make any transactions on your account, your personal data relating to that transaction will be retained for seven years from the date of the transaction to comply with taxation and accountancy legislation.
· request a copy of your personal data which you have provided to us, in a structured, commonly used and machine-readable format and the right to transfer it, or to require us to transfer it directly, to another controller.
Where we rely on your consent to process your personal data, for example if we need your consent to send you any direct marketing, you have the right to withdraw your consent for that specific processing at any time. To withdraw your consent, please contact us using any of the details set out below in the "Contacting Us" section. Once we have received notification that you have withdrawn your consent, we will no longer process your information for the purpose or purposes you originally agreed to, unless we have another legitimate basis for doing so in law.
If you are unhappy about how your personal data has been used please contact us via this link: https://ukexsupport.zendesk.com/hc/en-us/articles/360006697252-About-Us. You also have a right to complain to the supervisory authority, which in the United Kingdom is the Information Commissioner's Office https://ico.org.uk/, which regulates the processing of personal data.


Description: If you love puzzles games, this game is for out. Rotate the pile of blocks and try to find all the combinations in order to finish the level. Your time is limited. Haw much pairs can you found?
Controls: Use your Mouse to select and left, right arrow to rotate.


text:
(Black Press file)
One year later, still no news on 2019 fatal hit-and-run incident in Parksville
RCMP say they gave Crown counsel all information 'some time ago'
Cloe Logan
Many questions remain unanswered about a fatal suspected hit-and-run incident that happened a year ago in Parksville.
A 32-year-old man, whose family has asked for privacy, was killed in the incident that occurred on Aug. 24, 2019, in the 200 block of Hirst Avenue.
In the weeks after the incident, police said they believed a black Ford F-250 with aftermarket modifications was involved. It was last seen leaving a parking lot near the Rod & Gun pub. No information has come out since.
Cpl. Jesse Foreman of the Oceanside RCMP said in September 2019 that they would have an update that month. At this point, he said he doesn't know when they will be able to provide more information.
"I can't wait to give an update. I've been looking forward to that day for several months. When I can give an update, I will do so with immediacy," said Foreman in an email. "I guess saying I 'hope to have an update next week' was really premature."
READ MORE: RCMP: No timeline for update on fatal hit-and-run in Parksville
READ MORE: Man dead after reported early-morning hit-and-run incident in Parksville
However, Foreman said the investigation is complete and in the hands of Crown counsel.
"The Oceanside RCMP conducted a thorough and exhaustive investigation. It was completed and submitted to Crown counsel some time ago for their consideration," he said.
cloe.logan@pqbnews.com
1 dead in Portland after Trump supporters, protesters clash
Tourism-based businesses in Parksville Qualicum Beach bouncing back

redpajama_set_name: RedPajamaCommonCrawl


Kanga Care Coloring Book - 4 pack of Rumparooz One Size Best Cloth Diaper with fun adult coloring designs!
* Kanga Care is not responsible for any damages due to the coloring process. Not all marker brands were tested nor preform the same and therefore Kanga Care cannot be held accountable for different outcomes.
Get your zen on - or round up a crew for a fun time!
This fun 4 pack of black and white design prints were made with the artist in mind…you! Transform these diapers into works of art with fabric markers. Grab a cup of coffee, take a moment for yourself, and become the artist. Great as a gift or family bonding activity! Oh, but do you want to practice first?! Download practice coloring sheets of the 4 prints to perfect your design!
I haven't decided whether I'm going to color them in yet. They are cute in black and white!
I really enjoyed coloring these diapers, even though I was intimidated by them and initially handed them off to a family member to color. My favorite to color was bonkers, but my favorite to think about and plan was serene. If you're unsure of how you want them to look (or if you're like me and want to color them again), download the practice sheets first. They're also gorgeous in just black and white! Finally, they MAY make you go into labor. I'm not promising anything, but I was coloring one of these when I went into labor (and had my son less than 4 hours later). Coincidence? Probably. But still, better to know than be surprised.


Arrange orange slices and onion slices on a serving platter and top with tuna and olive slices. Combine the vinegar and remaining ingredients in a small bowl and stir with a whisk until well blended. Drizzle vinegar mixture over salad.


Participants will be eligible for recommendation to the National Festival Competition from classes listed within the Provincial Syllabus. To choose the appropriate classes with the required repertoire please refer to the National Festival Syllabus for information. National Festival Participants will be chosen at the Provincial Level.


Here's another shot from World Pinhole Day. This is the ugly Scotia Square Mall from the corner of Barrington and Duke Streets. The tower on the left is Duke Tower, on the right it's Barrington Tower, in which I currently work. I can't wait until our new office building is finished later this summer.
As usual with a pinhole and its slightly longer exposure, cloudy skies get a little more dramatic.


Something I thought was entertaining in Italy- their diet (or light as they call it) Cokes even sported skinnier cans. Sure, maybe all their sodas featured a more slender can than we're accustomed to in the States, this just happened to be the only soda I remember drinking in Italy. Who drinks soda in Tuscany after all?! Vino baby.


Pastors have a choice … Be a People Pleaser or a God Pleaser.
IT IS LATE IN THESE END TIMES (WE ARE OVER 65 1/2 YEARS FROM THE ESTABLISHMENT OF ISRAEL IN 1948), THE CHURCHES SHOULD NOW BE WARNING THEIR CONGREGATIONS OF THE NEARNESS OF THE RAPTURE! BUT THE VAST MAJORITY OF CHURCHES ARE TOTALLY SILENT, JUST PUTTING FORTH LITTLE MORE THAN "FLUFF" FROM THEIR PULPITS!
Pastors have a choice late in these End Times. Be a People Pleaser or a God Pleaser.
Noah long ago was a God Pleaser. God Pleasers do not care what people think, but choose to teach God's Word (the Bible) accurately, and will not back away from ANY topic in the Bible.
People Pleasers are fearful of what people might think, wanting to stay away from anything the least bit "controversial" (God's Word is NOT controversial!), wanting no one to leave their church (need to build buildings and need money for that!), and want more people to come into the church (so the scripture MUST be watered down!).
Well, the water is now up to the nose, folks! Jesus is coming VERY soon at the Rapture!


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Shadowproof Presents
Investigative reporting outlet Shadowproof.com presents a series of fascinating discussions with authors on topics ranging from jail reform to whistleblowing.
Now displaying: Category: general
Ep. 9: Barry Eisler 0
Best-selling author Barry Eisler talks about his latest novel "The Gods Eye View," exploring issues of whistleblowing and mass surveillance.
For one hour, Kevin Gosztola and Barry Eisler discuss Eisler's fiction book set in the present-day, where the government will hunt down and kill whistleblowers and journalists to protect secret worldwide surveillance programs. They talk about Eisler's key inspiration for the book, NSA whistleblower Edward Snowden, and other sources of inspiration for the story. They also have a conversation about the culture within the global security state, which is reflected in Eisler's novel.
Ep. 8: Robbie Martin 0
Filmmaker Robbie Martin discusses his documentary series, "A Very Heavy Agenda."
For one hour, Martin joins Shadowproof for a conversation about how the film series tackles the rise of the neoconservatives after 9/11, which stoked public fears of another terrorist attack to further their agenda for regime change and interventions abroad. He also examines the rise of a new, younger line of neocons permeating the media landscape today.
Ep. 7: Project Censored 0
Project Censored's Mickey Huff and Andy Lee Roth discuss "Censored 2016: Top Censored Stories and Media Analysis of 2014-2015." With host Kevin Gosztola, they talk about "junk food news," "news abuse," and other concepts Project Censored promotes to improve the public's understanding of news citizens consume. Both highlight some of the key censored stories from the past year, which range from methane gas contributing to climate change to the NSA having its own Google-style search engine to staggering developments related to global wealth inequality.
Huff and Roth also take some time to address recent news trends, like Vox and Buzzfeed's practice of publishing news explainers. The conversation wraps with a discussion of investigative journalist Seymour Hersh and how the establishment press has transformed him into a pariah because they reject his work on Syria and Osama bin Laden.
Ep. 6: Antony Loewenstein 0
Shadowproof journalist Kevin Gosztola interviews journalist and author Antony Loewenstein about his book Disaster Capitalism. In the book, Antony travels the globe to discover how companies such cash in on organized misery in a hidden world of privatized detention centers, militarized private security, aid profiteering, and destructive mining.
Ep. 5: Kris Hermes 0
Shadowproof journalist Kevin Gosztola interviews Kris Hermes, author of Crashing The Party. The two discuss police tactics to suppress protest in the years since the 2000 Republican National Convention.
Ep. 4: Mnar Muhawesh - Part 2 0
In the second part of an interview with Mnar Muhawesh, the founder and editor of MintPress News, Shadowproof managing editor talks to Muhawesh about infotainment and "fast food headline-driven" news media. We discuss how the news media spends such an exorbitant amount of time covering the presidential election and how this perpetuates the two-party system. Muhawesh also calls attention to Terry Burke, a disruptor in the Twin Cities in Minnesota, who has targeted her at many of her speaking events for opposing intervention in Syria.
In the aftermath of the Paris attacks and blasts in Beirut, it seems very likely that Western countries will overreact and play into the hands of the Islamic State. It also is clear there will be little reflection on how Western countries, including France, created a climate that fueled the radicalization of individuals, who would want to target locations in Paris.
I interview Mnar Muhawesh, founder and editor-in-chief of MintPress News (MPN), and asked to her to react to how Western countries are responding to the attacks in Paris. She also addresses the media's ignorance and dehumanization of people who were killed in blasts in Lebanon. We also discuss how MPN has been critiqued for its coverage of Syria and how there are journalists, who have somewhat ridiculously fashioned themselves as sleuths and gone after MPN.
Ep. 2: Andy Worthington 0
Andy Worthington, known for his work campaigning and writing about Guantanamo Bay, is also a musician. He has a band called "The Four Fathers," which produced a major song that was used in the U.K. to campaign for the release of Shaker Aamer, "Song for Shaker Aamer." His band recently released an album, "Love and War," with eight songs.
As part of Shadowproof's "Protest Music Project," Andy spends 40-plus minutes talking about his music, what inspired him to write songs about austerity, Shaker Aamer, CIA torture architects, etc, and what kind of protest music has influenced him. Clips of Andy's music play throughout the interview, and at the end of the interview, Andy discusses one of his favorite protest songs of all time.


Leading bioelectronics medicine company aims to leverage bioelectronics materials and devices to treat chronic disease.
Aix-en-Provence, FRANCE, and Toronto, CANADA, February 18, 2018. Bioelectronic medicine company Panaxium SAS today announced that it has selected a location for its new permanent R&D Centre in Aix-en-Provence, France. The Centre will be located within the Pôle d'Activités Aix-en-Provence business park.
For more information, please visit www.panaxium.com.