Terms & Conditions

Terms and Conditions
Last updated: November 2025

1. Introduction
Welcome to United Exchange Ltd (“we”, “us”, “our”).
These Terms and Conditions (“Terms”) govern the use of our money transfer and related services (“Services”) provided through our website www.unitedexchangeltd.co.uk, mobile channels, and in-store at our trading address.
By using our Services, you agree to these Terms. Please read them carefully before proceeding. If you do not agree, you must not use our Services.

2. Company Details
Legal Name: United Exchange Ltd
Company Registration Number: 07860668
Registered Office: 512–516 Lady Margaret Road, Southall, Middlesex, UB1 2NP
Trading Address: 149 Cheetham Hill Road, Manchester, M8 8LY
FCA Firm Reference Number: 584295
HMRC MLR Registration Number: XAML00000160321
Email: info@unitedexchangeltd.co.uk
Phone: +44 208 575 0999
United Exchange Ltd is authorised and regulated by the Financial Conduct Authority (FCA) and registered with HM Revenue & Customs (HMRC) under the Money Laundering Regulations 2017.

3. Services Disclaimer
Our website provides general information about our money transfer and related financial services.
This information is provided for convenience only and does not constitute financial advice.
You should always seek independent professional advice before making financial or investment decisions.

4. Use of Website
By accessing or using our website, you agree not to:

• Use the website for any unlawful, fraudulent, or prohibited purpose.
• Impersonate any person or misrepresent your identity.
• Upload or distribute malware, viruses, or malicious content.
• Copy, reproduce, or reuse any website content without our prior written consent.

We reserve the right to suspend or terminate your access if these conditions are breached.

5. Our Services
We provide:

• Domestic and international money transfer/remittance services
• Cash pick-up, bank deposit, and mobile-wallet transfers
• Currency exchange and related financial services (where applicable)

Service availability, destination countries, fees, and payout partners may vary and can change at any time.

6. Using Our Services
To use our Services, you must:

• Be at least 18 years old
• Provide valid and accurate personal identification and payment details
• Comply with UK AML / CFT / Sanctions regulations
• Agree that all funds come from lawful sources

We reserve the right to refuse any transaction that breaches our legal or compliance obligations.

7. Identification and Verification (KYC)
We are required by law to verify your identity and, in some cases, the source of funds.
You may be asked to provide documents such as a passport, driving licence, proof of address, or bank statement.
Failure to provide satisfactory documents may delay or cancel your transaction.

8. Fees, Charges, and Exchange Rates

• Fees and exchange rates are displayed before you confirm the transaction.
• Rates may fluctuate due to market conditions.
• Once confirmed, transactions are processed based on the rate displayed at the time of confirmation.
• Additional charges may apply from intermediary banks or payout partners (where applicable).

9. Processing Time

• Most transactions are processed within minutes to 1 business day, depending on the destination country and payment method.
• We are not responsible for delays caused by bank holidays, system failures, or circumstances beyond our control.

10. Cancellations and Refunds

• You may cancel a transaction before it is paid out to the recipient.
• Refunds will be issued in accordance with our Refund Policy (available on our website).
• Once the payout has been completed, the transaction cannot be reversed.

11. Your Responsibilities
You agree to:

• Provide accurate recipient details
• Ensure your funds come from legitimate sources
• Not use our Services for any illegal, fraudulent, or prohibited activities

We will not be liable for losses caused by incorrect recipient details provided by you.

12. Limitation of Liability
We are not liable for:

• Delays beyond our control (e.g., bank, system, or network issues)
• Losses resulting from incorrect information provided by you
• Indirect, incidental, or consequential damages

Our total liability in connection with any transaction shall not exceed the total amount of fees paid by you.

13. Links to Third-Party Websites
This website may contain links to third-party or external websites.
We do not control or endorse the content, accuracy, or privacy practices of those websites and are not responsible for any damages or losses arising from your use of them.

14. Intellectual Property
All website content—including text, graphics, logos, icons, and software—is the property of United Exchange Ltd or its licensors and is protected by applicable intellectual-property laws.
You may view or print limited pages for personal use only.
You must not reproduce, copy, distribute, or modify any material without our prior written consent.

15. Data Protection and Privacy
Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal data under the UK GDPR and Data Protection Act 2018.
By using our website, you consent to such processing and warrant that all data you provide is accurate.

16. AML and Compliance
We comply with:

• Money Laundering, Terrorist Financing and Transfer of Funds Regulations 2017
• Proceeds of Crime Act 2002
• Sanctions and Anti-Terrorism legislation

Suspicious transactions will be reported to the UK Financial Intelligence Unit (UKFIU).

17. Complaints Handling
If you have a complaint, please contact us via or you can fill out the complaint form available at our reception:
Email: complaints@unitedexchangeltd.co.uk
We aim to acknowledge all complaints within 3 business days and resolve them within 15 business days.

18. Changes to These Terms
We reserve the right to modify or update these Terms at any time.
We may amend these Terms from time to time to reflect regulatory changes or service updates.
Updated Terms will be posted on our website and take effect immediately upon publication.
Any changes will take effect immediately once published on our website.
Your continued use of the website and our services after updates means you accept the revised Terms.

19. Intellectual Property
All content on this website (logos, text, design, and graphics) is owned by or licensed to United Exchange Ltd.
Reproduction without prior written consent is prohibited.

20. Contact Us
For any questions about these Terms:
United Exchange Ltd
512–516 Lady Margaret Road, Southall, Middlesex, UB1 2NP
+44 (0) 208 575 0999
info@unitedexchangeltd.co.uk