Terms & Conditions

Last updated: June 2026

These Terms and Conditions govern your use of the First Class Currency website and any services offered through it. By accessing or using this website, you agree to be bound by these Terms and Conditions.

1. About Us

First Class Currency (“we”, “us”, “our”) provides foreign exchange and international payment services via regulated third parties. Our website is intended to provide information about our services and to allow users to make enquiries or submit applications for currency exchange and related services.

2. Website Use

You agree to use this website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else’s use of the website.

You must not:

• Use the website in any way that may damage, disable, overburden, or impair it.
• Attempt to gain unauthorized access to any part of the website or systems connected to it.
• Use the website to submit false, misleading, or fraudulent information.

3. Services

Any information on this website is provided for general information purposes only and does not constitute financial, legal, tax, or investment advice.

All services are subject to:

• Client verification and due diligence checks.
• Internal risk and compliance approval.
• Market availability and exchange rate movement.
• Separate service-specific agreements and terms.

We reserve the right to decline any application or transaction at our discretion, subject to applicable law and regulation.

4. Exchange Rates

Exchange rates displayed on the website are indicative only unless expressly stated otherwise.

Final exchange rates may differ from indicative rates due to:

• Market fluctuations.
• Transaction size.
• Currency pair availability.
• Timing of payment or settlement.

A binding rate is only confirmed once we have accepted your instruction and confirmed the transaction in writing or through our agreed process.

5. Client Responsibilities

You agree to:

• Provide accurate, complete, and up-to-date information.
• Notify us promptly of any changes to your personal or business details.
• Ensure you have authority to act on behalf of any business or third party.
• Make payments only from accounts in your own name or from accounts approved by us.

You are responsible for checking all details before confirming a transaction, including beneficiary information and payment instructions.

6. Transaction Processing

Transaction times are estimates only unless otherwise agreed in writing.

Delays may occur due to:

• Banking cut-off times.
• Compliance checks.
• Incorrect payment details.
• Public holidays.
• Circumstances beyond our reasonable control.

We are not liable for delays caused by third parties, provided we have acted with reasonable care and skill.

7. Cancellation and Amendments

Once a transaction has been booked, it may not always be possible to cancel or amend it. If cancellation or amendment is possible, additional charges may apply.

If a transaction is cancelled after the exchange rate has been fixed, or a trade has been executed, you may be responsible for any resulting market loss, fees, or associated costs.

8. Intellectual Property

All content on this website, including text, graphics, logos, images, and design, is owned by or licensed to First Class Currency unless otherwise stated.

You may not copy, reproduce, distribute, or modify any part of this website without our prior written consent, except for personal non-commercial use.

9. Privacy and Data Protection

We process personal data in accordance with our Privacy Policy and applicable data protection laws.

By using this website or our services, you acknowledge that we may collect, store, and process your information for:

• Enquiry handling.
• Identity verification.
• Transaction processing.
• Compliance and record-keeping.
• Marketing, where you have consented or where otherwise permitted by law.

10. Third-Party Links

This website may contain links to third-party websites. These links are provided for convenience only. We do not control and are not responsible for the content, policies, or practices of third-party websites.

11. Changes to These Terms

We may update these Terms and Conditions from time to time. The updated version will be posted on this page with a revised date.

Your continued use of the website after changes are posted means you accept the updated Terms.