Terms & Condition

1. Introduction

These Terms & Conditions ("Terms") govern the use of the financial services and products offered by Dartpinfx Finance Limited ("we," "us," or "our"). By accessing or using our services, you ("the Customer") agree to comply with these Terms.

If you do not agree with any part of these Terms, you should not use our services.

2. Eligibility & Account Registration

2.1 Eligibility

To use our services, you must:
✔️ Be at least 18 years old (or the legal age in your jurisdiction)
✔️ Provide accurate and truthful personal information
✔️ Not be subject to any financial sanctions or restrictions under UK law

2.2 Account Registration & Verification

• Customers must provide valid identification (e.g., passport, driving licence) for KYC compliance.

• We may request additional documents to verify your identity.

• We reserve the right to refuse or terminate accounts at our discretion if we suspect fraud, non-compliance, or suspicious activity.

3. Services Offered

Dartpinfx Finance Limited provides financial services, including:
Electronic money issuance & payment services (regulated under FCA)
Foreign exchange & trading services
Investment-related services (subject to FCA guidelines)

We do not provide:
❌ Personal investment advice
❌ Banking services (we are not a bank)

4. Fees & Charges

Customers agree to pay all applicable fees for using our services.

• Fees will be disclosed upfront and may vary depending on the service used.

• We reserve the right to modify our fee structure with 30 days’ notice.

• Third-party fees (e.g., bank transfer fees) may apply and are beyond our control.

  
  

5. Anti-Money Laundering (AML) & Compliance

We adhere to the UK Money Laundering Regulations 2023 and are required to:

• Conduct customer due diligence (CDD) and monitor transactions.

• Report suspicious activity to the National Crime Agency (NCA).

• Restrict or freeze accounts involved in potential fraudulent or illegal activities.

  
  

6. Customer Obligations

Customers agree to:
Use our services only for legal and legitimate purposes.
Ensure their personal and financial information is accurate and up to date.
Maintain the security of their account credentials and notify us immediately of unauthorised access.

Customers must not:
❌ Use our services for fraud, money laundering, or illegal activities.
❌ Create multiple accounts to bypass verification or limits.
❌ Share their account details with third parties.

7. Risk Disclosure

Financial services involve risks, and customers should be aware that:

• Investment values may fluctuate, and past performance is not indicative of future results.

• Foreign exchange rates may vary, leading to potential financial losses.

• We do not guarantee any specific returns or profits.

  
  

8. Liability & Disclaimers

8.1 Limitation of Liability

To the extent permitted by law, Dartpinfx Finance Limited is not liable for:

• Any losses or damages arising from market fluctuations or customer investment decisions.

• Third-party failures (e.g., banking delays, payment processor issues).

• Force majeure events, including cyberattacks, natural disasters, or regulatory changes.

8.2 Indemnification

Customers agree to indemnify and hold Dartpinfx Finance Limited harmless from any legal claims, liabilities, or losses resulting from their use of our services.

9. Account Termination & Suspension

We reserve the right to suspend or close accounts if:

• A customer violates these Terms or engages in suspicious activity.

• Regulatory authorities require us to take action.

• The account remains inactive for more than 12 months (fees may apply).

Customers can request account closure by contacting our support team.

10. Dispute Resolution

We aim to resolve all disputes fairly and transparently.

• Customers must first contact our support team with their complaint.

• If unresolved, complaints can be escalated to the Financial Ombudsman Service (FOS).

  
  

11. Amendments to Terms

We may update these Terms periodically.

• Customers will be notified 30 days in advance of any significant changes.

• Continued use of our services after the effective date constitutes acceptance of the new Terms.

The latest version of these Terms will always be available on our website.

12. Governing Law & Jurisdiction

These Terms are governed by the laws of England and Wales.

• Any disputes will be subject to the exclusive jurisdiction of UK courts.

• Customers residing outside the UK must comply with their local regulations when using our services.