Terms and Conditions
2. After signing the RAA form, the Remitter declares that he/she is the ultimate beneficial owner of the funds and acting solely on his/her own account.
3. The Remitter gives full consent to Metro Remittance (UK) Ltd to process his/her personal data for the purposes of the prevention of Money Laundering and Terrorist Financing and all applicable laws that may apply. And also the Remitter gives full consent to Metro Remittance (UK) Ltd in transmitting funds in favour of the beneficiary through Metropolitan Bank and Trust Company or Metrobank Philippines. All personal and sensitive data will be protected and kept confidential by Metro Remittance (UK) Ltd under all relevant data protection laws.
4. Each time the Remitter remits funds to a new beneficiary in the Philippines, he/she shall sign the Additional Beneficiary Form certifying the correctness of all information contained therein including the relation to the beneficiary and purpose of remittance.
5. Funds shall be paid to the beneficiary in Philippine Pesos unless otherwise specified by the Remitter, in accordance with applicable exchange control regulations.
6. The remitter shall pay to Metro Remittance (UK) Limited a commission for every remittance. Metro Remittance (UK) Limited reserves the right to change the amount of commission from time to time.
7. Metro Remittance (UK) Limited shall not be liable for any delay in the delivery of funds to the beneficiary due to omissions, incorrect or incomplete information furnished by the Remitter, for majeure, or any event occurring beyond its reasonable control.
8. Any taxes or duties levied by the UK or Philippine Authorities and resulting in additional cost to Metro Remittance (UK) Limited in remitting funds shall be charged to the Remitter and may be deducted from the amount remitted.
9. All remittance transactions above the monthly limit set by Metro Remittance (UK) Limited are subject for approval and submission of documentary proof of source of funds. The company reservers the right to refuse remittance transaction for non-compliance.
10. The relationship between Metro Remittance (UK) Limited and the Remitter shall be governed by English Law.
GENERAL TERMS AND CONDITIONS FOR USING THE MOBILE REMITTANCE APPLICATION
1. General provisions
1.1 The Terms and Conditions listed below govern the access and use of our Mobile Application (IOS and Android) hereinafter called “the Application” that enables you send a remittance instruction to remit money to the Philippines (“the Service”).
1.2 The English language version of these Terms and Conditions is the applicable version for all languages. Any other language version we may provide is for guidance purposes only. Any dispute or claim arising out of or in connection with present Terms and Conditions or their subject matter or formation (including non-contractual disputes or claims) will be considered in relation to the English version only.
1.3 In the present Terms and Conditions the terms “we”, “us”, “our” refers to Metro Remittance (UK) Ltd. (MRUK) and “you”, “your” refer to any person who accesses and/or uses the Service.
1.4 It is important that you understand that access and use of the Service is conditional on your acceptance of present Terms and Conditions.
In the present Terms and Conditions the below terms shall have the following meaning(s):
· “Mobile Application” means a mobile application operated by Metro Remittance (UK) Ltd. (MRUK) to provide mobile and online remittance services and the related information;
· “Fees” means the charges and fees we charge to you for the Service, as applicable, in accordance with the price list published on the Application, or the prices or rates that we communicate to you before we issue a transaction confirmation, or as provided in these Terms and Conditions;
· “FX Spread” is where you pay for a transaction in British Pound (GBP or £) currency and it is paid out in Philippine Peso (PHP) currency, we apply an FX spread. The FX spread is the difference between the exchange rate we buy the currency in and the exchange rate we are able to provide to you and we communicated it in the transaction confirmation and it covers our costs plus a small margin.
· “Compliance Officer” means one or more members of staff at MRUK Ltd. who is responsible for compliance with Money Transfer Regulations, Anti-Money Laundering Legislation and other applicable laws;
· “Beneficiary” means the person who receives the money through the Service,
· “Reference Number” means the unique transaction number, which will be issued to you as and which the beneficiary will be required to provide to our partners in order to receive the amount transferred,
· “Sender or Remitter” means the person who initiates the carrying out of a money transfer through the Service,
· “Transaction” means every money transfer that you initiate using the Service and/or every other use that you make of the Service,
· “Website or Mobile Web Version” means the website metroremit.com operated by MRUK to provide online money transfer services and the related information.
· “Force Majeure Event” means any of the circumstances referred to in clause 13.7;
· “Malicious Code” means computer viruses, Trojans, software locks, drop-dead devices, malicious logic or trap door, worms, time bombs, corrupted files or other computer programme routines that are intended to delete, disable, deactivate, damage, detrimentally interfere with, surreptitiously intercept or expropriate any systems, data, personal information or property of another;
· “Money Transfer Regulations” means the applicable laws of the United Kingdom or of the country from which funds are transferred or where funds are intended to be received which relate to electronic money transfer services including, without limitation, the Financial Services and Markets, the Payment Services Regulations and the Electronic Money Regulations;
· “Prohibited Purpose” means any unlawful purpose (whether such illegality arises in the country from which the funds are transferred or where they are intended to be received or in any territory with jurisdiction over the Sender or the Receiver) including, without limitation, the transfer or receipt of payment for illegal activities, the transfer of funds which constitute proceeds of crime or money laundering under regulations prescribed maximum daily limit or which are obtained by illegal activity, the transfer of funds for the purpose of funding illegal activity, the transfer of funds for the purpose of avoiding the seizure of such funds by law enforcement authorities or under orders of any court of law, and any transfer of funds without the permission of their owner;
3. Information we provide when the remittance transaction is complete
3.1. If funds are sent via a Beneficiary form, before your transaction is complete you will be provided with the following information:
3.1.1 One-time-Password (OTP) to your registered mobile number and email address, which is needed to confirm and to proceed with the remittance transaction,
3.1.2 The amount the beneficiary will receive,
3.1.3 The total Fee that you will be charged,
3.1.4 Converted amount of the exchange rate that we will apply to your transaction,
3.1.5 Reference number needed from the Beneficiary in order to collect the money (in case of cash pick-up),
3.1.6 Estimated time it will take for the funds to be made available to the Beneficiary.
4. How the contract is formed between you and us and how sending funds works in practice
4.1 After you place a money transfer transaction via Website or the Mobile Application using the beneficiary information, an e-mail will be sent to you acknowledging that your order has been received. After you place a money transfer order via a mobile phone number, you will receive a transaction confirmation in the mobile app. Please note that this does not mean that your order is accepted.
4.2 A transaction constitutes solely an attempt to transact to our services, which is subject to our discretionary acceptance. Such acceptance will be communicated to you either (a) via e-mail confirming that we are processing your request or (b) through a confirmation in the mobile app. (hereinafter called “Transaction Confirmation”). The contract between you and us (hereinafter called “Transaction Contract”) will only be formed when the Transaction Confirmation has been sent.
4.3 The Contract relates solely to the services that have been confirmed accepted in the Transaction Confirmation.
4.4 We reserve the right to refuse to perform any of the Services (including after Transaction Confirmation) if:
4.4.1 We are unable to obtain satisfactory evidence of your identity;
4.4.2 You provide us with false, incorrect or incomplete information;
4.4.3 We are unable to reach you via contact details provided by you;
4.4.4 Your remittance transaction, information or documentation is not provided sufficiently in advance to allow us to process it in accordance to your request;
4.4.5 You attempt to tamper, hack, modify, overload, or otherwise corrupt or circumvent the security and/or functionality of the Mobile Application or to infect it with any Malicious Code;
4.4.6 You are in breach of these Terms and Conditions;
4.4.7 You or the remittance transaction you placed are in breach of any applicable laws or regulations or are made for a Prohibited Purpose;
4.4.8 Processing the Service in accordance with your transaction may expose us to liability;
4.4.9 We are unable to process your transfer due to variations in business hours, currency exchange or currency availability issues or due to any Force Majeure Event;
4.4.10 We have reason to believe that any of the foregoing has occurred or is likely to occur; or
4.4.11 A Compliance Officer has taken a discretionary decision to do so.
4.5 We shall not be liable for any damages, costs or losses incurred by the Sender or the Beneficiary or any third party if, as a result of any of the circumstances referred to in clause 12.2 or 4.4, we fail to complete the remittance of funds in accordance with a remittance instruction.
5. Information we provide before the transaction is complete
5.1. After we process your transaction for your Beneficiary, a Transaction Confirmation e-mail will be sent to you with the following information:
5.1.1. A transaction reference number,
5.1.2. A confirmation of the exact amount we are sending to the Beneficiary on your behalf in both pay in and pay out currencies,
5.1.3. A confirmation of the Fee that has been charged,
5.1.4. An exchange rate applied to your transaction,
5.1.5. Required information and documents or IDs needed from the beneficiary in order to collect the money,
5.1.6. An estimated time when the money will be available to the Beneficiary,
5.1.7. Any relevant information about the company such as trading name, address, contact details and regulators.
6. Fees and payment methods
6.1 The prices for the Service consist of FX Spread and the Fees.
6.2 Our Fees vary from time to time, but changes in the Fees will not apply to any transactions in respect for which we have already sent you the Transaction Confirmation.
6.3 If you remit via a beneficiary form you can pay for the transaction via bank transfer, debit card and alternative payment methods (online bank fund transfer where available.
6.4 If you pay by debit card it will be charged as soon as we accept your request for the remittance transaction.
6.5 When you pay by debit card and your transaction is refused by your bank or by the card issuer, your bank account will not be debited. However, it is possible that your bank or the card issuer might hold the amount you tried to send. If this happens you will need to contact your bank or card issuer to resolve the issue.
6.6 Discounts on our Fees may be available through promotions that we or our partners may offer from time to time. Promotions are subject to terms and conditions and will be honoured in accordance with their published terms only.
7. Cancellations and refunds
7.1 You have a right to cancel a remittance instruction before payment has been made to the Beneficiary. If you have send money via a beneficiary form, you may exercise this right by:
Emailing us at: email@example.com
7.2 If you exercise your right to cancel the transaction after you have already paid us the funds to be transferred:
· we will refund money paid by you and intended for a Beneficiary only under the condition that it has not already been paid out to the Beneficiary in accordance with your original instructions prior to the cancellation request; and
· we reserve the right to retain the Fees charged for the Service (and we may charge you with those Fees if they have not yet been paid); and
7.3 If by the time you notify us of the cancellation of the transfer we have already sent the money to one of our partners in the country of destination, we may not be able to successfully cancel the order, given that the cancellation procedures with our partners differ in length and complexity, as well as often require communication across time zones.
7.4 Refunds can take up to 7 working days to be processed and this depends as well on the customer’s bank processes, which are beyond our control.
7.5 We reserve the right not to refund amounts smaller than £3 and charge a refund fee of £3 or (according to the currency with which you pay us) if the refund has been requested by the customer with no fault of our own.
7.6 If we do not remit the money to the Beneficiary in accordance with a remittance instruction within 30 days after your instructions have been received, provided that you correctly followed our procedures and complied with all our policies, you may ask for a refund of the money transferred to us and intended for the Beneficiary.
7.7 If the Beneficiary does not collect the money within 1 month after the date it became available for collection, all rights of cancellation of the remittance or refund of the remittance or the Fees shall be deemed to be waived by you.
7.8 Your remittance instruction expires after 1 month. In case the money has not been collected (in the case of cash pay-out) or the remittance instruction requires a correction, we reserve the right to cancel your transaction without prior notice to you and to refund to you the amount that was to be transferred. The refund will not include the Fees paid for the Service, which we will retain.
8.1 All promotions, or special offers run by MRUK are subject to promotion specific terms and conditions.
8.2 In certain cases, we may conclude promotions, special offers before the end of the advertised period or may prolong the period of a promotion, special offer usually due to abuse, limited up-take of the offer or error.
8.3 MRUK reserves the right to disqualify certain customers from promotional offers.
8.4 In the event that MRUK reasonably suspects that a user of our service has abused, is abusing or is attempting to abuse the promotion, or is likely to benefit through abuse or lack of good faith from a policy adopted by the MRUK, then MRUK may, at its sole discretion, deny, withhold or withdraw from any user any promotion, or rescind any policy with respect to that user, either temporarily or permanently, or terminate that user's access to that user's account.
9.1 We value your feedback as it helps us improve our service. We have established internal procedures for complaints. You can make a complaint in writing to us regarding any aspect of the Service through e-mail or via our customer service hotline:
· Email using the email address: firstname.lastname@example.org
· Customer Service Hotline: 02073 684 490
9.2 We will investigate your complaint and use reasonable endeavours to come back to you with the results of our investigation within 7 working days after receipt of your complaint.
10. Information about us and how to get in touch with us
10.1 Metro Remittance (UK) Ltd. (MRUK) a website (the Website) and a mobile phone application (the Application) that enable you to transfer money using a device connected to the Internet and/or a mobile phone.
10.2 Metro Remittance (UK) Ltd. (MRUK) is a company incorporated and licensed under the laws of the UK, (company reg. no. 4543696) engaged in the business of remittance with its Head Office located at 1st Floor 12 Kensington Church Street, London W8 4EP, United Kingdom.
10.3 Metro Remittance (UK) Ltd (MRUK) operates anti-money laundering and anti-terrorist financing controls, and is registered as Money Service Business with the HM Revenue and Customs under registration number 12152251.
10.4 Metro Remittance (UK) Ltd. (MRUK) by the Financial Conduct Authority under the Payment Services Regulations 2017 and the Electronic Money Regulations 2011 for the issuing of electronic money and for the provision of payment services with number 509751.
10.5 We can be contacted via the following means:
· Address: 1st Floor 12 Kensington Church Street, London W8 4EP, United Kingdom
· Email using the email address: email@example.com
· Customer Service Hotline: 02073 684 490
· Website: www.metroremit.com
11. Confidentiality/ Privacy
11.1 Your personal information will be treated and processed securely and strictly in accordance with applicable laws and regulations.
11.2 We will not treat customer information as confidential where it is already public knowledge or where it becomes public knowledge through no fault of our own.
11.3 We may disclose customer information if we are required to do so by law, by court order, by any statutory, legal or regulatory requirement, by the police or any other competent authorities in connection with the prevention or detection of crime or to help combat fraud, money laundering and terrorism financing. We may also report suspicious activity to appropriate competent law enforcement or government authorities.
12. Eligibility and Access Rights
12.1 By using the Service you warrant that you are at least 18 years old and that you have a legal capacity to enter into legally binding contracts.
12.2 Without prejudice to your rights in relation to any transaction for Services in relation to which we issued a Confirmation (in accordance with clause 4 above), we reserve the right, at any time, to terminate or suspend your access to the Service without prior notice if:
12.2.1 You use the Service or attempt to use it for any Prohibited Purpose;
12.2.2 You attempt to transfer or charge funds from an account that does not belong to you;
12.2.3 We receive conflicting claims regarding ownership of or the right to withdraw funds from a debit card account;
12.2.4 You have provided us with false evidence of your identity or you keep failing in providing us with true, accurate, current and complete evidence of your identity or details regarding transactions;
12.2.5 You attempt to tamper, hack, modify, overload, or otherwise corrupt or circumvent the security and/or functionality of the Mobile Application or to infect it with any Malicious Code;
12.2.6 You are in breach of these Terms and Conditions;
12.2.7 We have reason to believe that any of the foregoing has occurred or is likely to occur; or
12.2.8 A Compliance Officer has taken a discretionary decision to do so.
13. Limitations on our liability
13.1 If a remittance transaction is delayed or failed, you may have a right to receive a refund or reversal under FCA Regulations. Please contact us at firstname.lastname@example.org for more information regarding refunds and reversals. A refund or reversal request should be made without undue delay, and in any event not later than 13 months after the debit date.
13.2Claims for refund or compensation must be supported by all available evidence.
13.3If a remittance transaction in accordance with a transaction you made and that we Confirmed
is delayed or failed and you are not entitled to a refund or compensation under the FCA Regulations, we expressly limit our liability in respect of any such delayed or failed transfer (including for any claimed refund) to the greater of: (a) the amount of any service charge that was paid to us. The foregoing cap on our liability applies to any single transaction, act, omission or event and to any number of related transactions, acts, and omissions or events.
13.4 Except as provided in clause 6.5, we shall not be liable to you or to any third party in relation to the Services, whether for breach of contract, tort (including negligence), misrepresentation, unjust enrichment or any other grounds, for any indirect, incidental, consequential or special damages including any loss of profits or savings or anticipated profits or savings, loss of data, loss of opportunity, loss or reputation, goodwill or business or any economic loss, even if we are advised in advance of the possibility of such loss.
13.5Nothing in this clause shall:
13.5.1 Exclude or limit liability on our part for death or personal injury resulting from our negligence,
13.5.2 Exclude liability for our fraud, our wilful misconduct or gross negligence.
13.6 We are not liable for the quality, safety, legality, or delivery of the goods or services that you pay for using the Services.
13.7 We shall not be liable for any delay in the delivery of funds to the beneficiary due to omissions, incorrect or incomplete information furnished by you.
13.8 We shall not be liable for any breach of our obligations under the Contract to you nor for any failure or delay in performance of any obligations under the Contract arising from or attributable to acts, events, omissions or accidents beyond our reasonable control, including, without limitation, where our failure to perform our obligations arise from:
13.8.1 an act of God, fire, flood, earthquake, windstorm or other natural disaster, explosion or accidental damage, war, threat of or preparation for war, armed conflict, imposition of sanctions, embargo, export controls, breaking off of diplomatic relations or similar actions, terrorist attack, civil war, civil commotion or riots, pandemic or epidemic, industrial disputes, shortages of raw materials or components, general disruptions to transportation, telecommunication systems, power supply or other utilities;
13.8.2 the acts, decrees, legislation, regulations or restrictions imposed by any government or state;
13.8.3 the actions or omissions of the third parties;
13.8.4 malfunctions in communications facilities which cannot reasonably be considered to be under our control and that may affect the accuracy or timeliness of messages you send to us;
13.8.5 any losses or delays in transmission of messages arising out of the use of any internet access service provider or caused by any browser or other software which is not under our control; or
13.8.6 any Malicious Code interfering with the Service
(each, a “Force Majeure Event”).
13.9 Our performance under the Contract shall be deemed suspended for the period that the Force Majeure Event continues and the time for performance will be extended for the duration of that period. We will use our reasonable endeavours to find a solution by which our obligations under the Contract may be resumed despite the Force Majeure Event.
14. Your responsibilities and obligations
14.1 You will not use the Service unless you are at least 18 years old and you have a legal capacity to enter into legally binding contracts.
14.2 The Fees for each Service we have provided to you have to be paid.
14.3 You shall comply with these Terms and Conditions as well as with any applicable laws, rules and regulations.
14.4 In relation to your registration and use of the Service you will:
14.4.1 Provide us with accurate, current, complete and true evidence of your identity and any additional information or evidence we may require to confirm your identity;
14.4.2 Supply us with all information and documentation we may ask in order to process your transfer and to comply with any legal requirements applicable to us or to our partners (including without limitation, the FCA Regulations and the Money Laundering Regulations);
14.4.3 Update all information you provide to us to keep it accurate, current, complete and true;
14.4.4 Not use the Service for or in connection with any Prohibited Purpose or attempt to tamper, hack, modify, overload, or otherwise corrupt or circumvent the security and/or functionality of the Mobile Application or to infect it with any Malicious Code;
14.4.5 Remittance transaction only from your own debit card or bank account. You may not submit a remittance on behalf of another person;
14.4.6 Not open more than one account with us;
14.4.7 Keep your Reference Number secure, you must not share the Reference Number or any other transaction details with anybody except the Beneficiary;
14.4.8 Use the Service to remit money only to people that you know personally or to pay for goods and services purchased from suppliers of whom you have sufficient knowledge and whose identity you verified. You acknowledge that we have no control over the suppliers or over the goods and services for which you use our Services to make payments and we have no responsibility for the quality, safety, legality, or the delivery of such goods or services to you.
14.5 You understand and accept that:
14.5.1 We are legally obliged to retain information about our users and the transactions that we process for up to 5 years or as may be required from time to time by applicable law or by any regulatory authorities;
14.5.2 You are giving us explicit and full consent to access, process and retain your personal data for the provision of payment services and for the prevention of Money Laundering and Terrorist Financing, and to prevent other related crimes or fraudulent activities and all applicable laws that may apply.
14.5.3 All currency converted as part of the Service will be converted using our exchange rate (as published on the Website or Mobile Application or as may be communicated to you before we issue a Transaction Confirmation);
14.5.4 We reserve the right to increase the FX Spread when the markets are closed (weekends, bank holidays) to prevent loss stemming from currencies fluctuating and ensure pay-outs for our customers (we will still display the rate that we are offering on the homepage and the final rate on the confirmation page before confirming the transaction);
14.5.5 You will be liable to us for all losses which we suffer or incur in relation to any fraud or fraudulent activity by you;
14.5.6 You must contact us as soon as possible if you believe or suspect that a transfer of funds was not executed properly or that the amount has not been received or was only partly received;
14.5.7 It is your responsibility to inform the Beneficiary of the information he/she will need to provide in order to collect the money you sent through the Service (such as personal identification, the exact amount of the remittance instruction and the Reference Number).
15. Written communications
Applicable laws and regulations require that some of the information we send to you or communications between you and us should be in writing. You agree to receive such written communications electronically. You also agree that electronic means of communication shall be effective for the purpose of the Contract between you and us. The foregoing does not affect your statutory rights.
16. Notices and communications
All notices given to us must be in the English Language and sent to MRUK, 1st Floor 12 Kensington Church Street, London W8 4EP, United Kingdom. We may give notices to you in connection with any aspect of the Service or any remittance instructions either through the e-mail address or the address that you provided to us or in any other way permitted pursuant these Terms and Conditions. Notices to you will be deemed received and properly served immediately after an e-mail is sent to you at the address you provided, or where a notice is sent to your physical address.
17. Transfer of rights and obligations
17.1 We shall be entitled, without your consent, to transfer our rights and obligations under these Terms and Conditions and under any Contract to any of our affiliates or to any entity or person that acquires our business. Any such transfer of rights and obligation will have effect upon notice being given to you (including notices given through our Website and Mobile Application).
17.2 We are entitled to perform our obligations to you through subcontractors, agents and other third party service providers.
17.3 You may only transfer your rights and obligations under the Contract if we have agreed for this in writing.
18.1 If we fail, at any time during the term of the Contract, to insist upon strict performance of any of your obligations under the Contract or any clause of these Terms and Conditions, or if we fail to exercise any of the rights or remedies to which we are entitled under the Contract or by law, this will not constitute a waiver of such rights or remedies and will not relieve you from compliance with such obligations.
18.2 A waiver by us of any default will not constitute a waiver of any subsequent default.
18.3 No waiver by us of any term in these Terms and Conditions will be effective unless it is expressly stated to be a waiver and is communicated to you in writing in accordance with these Terms and Conditions.
If any court or competent authority holds that any of the provisions of these Terms and Conditions or any provisions of the Contract are invalid, unlawful or unenforceable to any extent, that shall not affect the other terms of these Terms and Conditions or the Contract which will continue in full force and effect to the fullest extent permitted by law.
20. Entire agreement
20.1 These Terms and Conditions and any document expressly referred to in them constitute the whole agreement between us and you and supersede all previous discussions, correspondence, negotiations, previous arrangement, understanding or agreement between us and you relating to the subject matter hereof.
20.2 You acknowledge that, in entering into the Contract and accepting these Terms and Conditions, you do not rely on, or will have no remedies in respect of, any representation or warranty (whether made innocently or negligently) that is not expressly set out in these Terms and Conditions or the documents referred to in them.
20.3 Nothing in this clause limits or excludes any liability for fraud.
21. Our right to vary these terms and conditions
21.1 We reserve the right to revise, amend or replace these Terms and Conditions from time to time.
21.2 Our Terms and Conditions in force at the time that you remittance instructions Services from us will have effect between you and us for the purpose of that remittance instruction. We may notify you of a change to the Terms and Conditions after you place a remittance instruction but before we send you the Confirmation, in which case, unless you notify us within a reasonable period of time and in any event within seven (7) days that you wish to cancel the transaction, the revised Terms and Conditions will apply.
22. Third party rights
22.1 A person who is not a party to this Agreement shall have no rights to enforce the provisions of this Agreement under the Contract.
23. Law and jurisdiction
Contracts for the usage of our services using the Mobile Application and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) will be governed by UK law. Any dispute or claim arising out of or in connection with such contracts or their formation (including non-contractual disputes or claims) will be subject to the non-exclusive jurisdiction of the courts of UK. The foregoing shall be without prejudice to your statutory rights.
24. Intellectual property
24.1 The Mobile Application, the content, the name Metro Remittance (UK) Ltd. (MRUK) and other names, logos, signs, domain names, email addresses and other indications of origin displayed on the Mobile Application relating to our products and/or services and all intellectual property (IPRs) relating to them and contained in them (including but not limited to copyrights, patents, database rights, design right, trade-marks,) are owned by us, our affiliates or third party licensors. Other names and logos of third party product, service and companies displayed on the Mobile Application may be the trademarks of third parties. You shall not acquire any right, title or interest in any such IPRs by reason of the Services or the Contract and all right, title and interest in and to the Mobile Application shall remain our property and/or the property of such other third parties.
24.2 You may use the Mobile Application only for the purpose of the bona fide use of our Services as an individual consumer and only as permitted by these Terms and Conditions or described on the Mobile Application. You are authorized solely to view and to retain a copy of the screens of the Mobile Application for your own personal use. The Mobile Application and the Services may not be used for the purpose of testing the Service or to obtain information about the Service or about us. You are not allowed to duplicate, publish, modify, create derivative works from, participate in the transfer, post on the internet, or in any way distribute or exploit the Mobile Application or any portion thereof for any public or commercial use without our express written permission. You cannot: (a) use any robot, spider, scraper or other automated device to access the Mobile Application or to use the Service; and/or (b) remove or alter any copyright, trade mark or other proprietary notice or legend displayed (or printed screens from the Mobile Application)
25. Liability and governing law
These terms and conditions are in accordance with the laws of UK, and Metro Remittance (UK) Ltd. (MRUK) reserves the right to change these terms and conditions and to terminate at any point in time. MRUK also accepts no liability for any use of the platform that doesn’t comply with this agreement.