1. Service
   1. This internet service for the provision of foreign currency (the “Service”) is provided by No 1 Currency Limited (trading as No 1 Currency). No 1 Currency Limited is registered in England and Wales under number 3019607 and its registered office is at Thornton House, Richmond Hill, Clifton, Bristol BS8 1AT. Our trading address is 11 Glenfinlas Street, Charlotte Square, Edinburgh, EH3 6AQ. All references to “us” or “our” or “we” in these Terms and Conditions shall be to No 1 Currency Limited.
   2. The Service is only available to UK residents aged 18 or over for delivery within the United Kingdom only.
   3. The Service may only be used to order foreign currency for holiday or business travel.
   4. By placing an order, you are confirming to us that you are the registered holder of the debit or credit card you use to pay for your order, that you are not ordering foreign currency for illegal purposes and that no sums paid by you to us are tainted by criminal activity. You are also confirming that you will provide us with such information as we may reasonably require by us in order to process your order, including such information we may require to meet our obligations under anti money laundering laws and regulations.
   5. By ordering foreign currency from us, you are also confirming to us that you have read and understood these Terms and Conditions and agree to be bound by them.
   6. The Service is only available for the currencies listed from time to time on the online ordering screen on our website. We will quote to the nearest available denomination that we stock.
   7. Any information provided by us in relation to your use of the Service does not constitute financial advice. We also do not warrant the accuracy of any information provided by us in relation to your use of our website and the Service.
2. Orders
   1. A maximum order value limit for foreign currency applies. The combined total of all your orders in any two calendar week period is subject to a maximum order value of £2,500 (excluding any handling or delivery charge). There is no minimum order value. We reserve the right to alter at our discretion, the minimum and maximum order values at any time.
   2. You agree to provide all the information required by us in order to process your order. We reserve the right to request further information from you should it be needed at any time.
   3. When placing an order, you warrant to us that the details and information provided to us are correct.
   4. Our website will display confirmation details of your order. We would recommend you print a copy of the confirmatory screen for your records. We will also send you an email confirming your order.
   5. Once confirmed, an order cannot be cancelled or amended.
   6. In the event that there are significant or material fluctuations in the exchange rates between us accepting your order and its despatch, we reserve the right to cancel your order without notice and liability to you.
   7. We reserve the right to refuse orders for foreign currency for any reason at our discretion.
3. Charges
   1. You will be required to pay for the foreign currency in Sterling at the time of ordering by either credit or debit card. The credit or debit card must be registered in your name. You can pay for your order using most major credit and debit cards issued in the United Kingdom.
   2. The billing or other addresses registered to your credit or debit card must match the delivery address for your order.
   3. We do not charge any commission on the foreign currency bought from us.
   4. We do not charge any card handling fees if you pay by debit card. If you pay by credit card, we will levy a handling charge of 1.5% of the order value (subject to a minimum charge of £4).
   5. By paying by debit card or credit card, your card issuer may charge you a cash advance fee. This charge is outwith our control and will be shown separately on your credit card/bank statement. You acknowledge that we have no liability to you for any such charges.
   6. Orders will be processed at the foreign exchange rate quoted on our website at the time you placed your order.
   7. There is a £4.99 delivery charge for orders with a total value of less than £500. Orders of £500 or more are delivered free.
4. Delivery
   1. Orders will only be delivered to the billing or other addresses registered to the credit or debit card that you used to place your order.
   2. Your foreign currency will be delivered by the Royal Mail special delivery service. We are not liable to you for late delivery if Royal Mail has failed to meet its delivery obligations. Delivery is also subject to Royal Mail’s special delivery conditions.
   3. Orders for Euro and USD must be placed before noon for next working day delivery – this is not guaranteed. Orders placed on a Friday will not be delivered until the following week. Any orders for (i) Euro and/or USD placed after noon, on weekends or bank or public holidays; and/or (ii) other currencies offered, are likely to be delivered in two to three working days. Deliveries are not made on bank or public holidays. Please note that delivery to certain remote places within the United Kingdom may take longer.
   4. A signature will be required on delivery. Proof of identification / address may be required if you have to collect your foreign currency from the Royal Mail if the original delivery is undelivered.
   5. Subject to condition 7, provided Royal Mail has obtained a signature at the delivery address, we shall have no further liability to you. We are also not liable for fraudulent acts committed by any third party.
   6. If you do not accept delivery of your foreign currency for any reason or if you do not collect your foreign currency from the Royal Mail and the foreign currency is returned to us, we will issue you with a refund. The amount refunded to your credit or debit card will be calculated at the exchange rates applicable at the time we process your refund. We reserve the right to deduct a handling charge from any refund.
5. Foreign Currency Restrictions, Financial Sanctions and Money Laundering
   1. There may be foreign currency import and export restrictions both in the United Kingdom and other countries that may be applicable. By placing an order you are confirming that you are aware of certain UK, UN, EU and international sanctions which prohibit the free movement of funds, goods and services to and from certain designated countries, regimes, entities and individuals. Further, information on these sanctions can be found on the Financial Sanctions page of the Bank of England’s website www.bankofengland.co.uk.
   2. We may refuse to process an order if we reasonably believe that processing might be a breach of a UK, UN, EU international sanction or money laundering rule.
6. Buy-back of foreign currency
   1. You can change your foreign currency back into Sterling at one of our nationwide Bureau de Change outlets. Please visit www.no1currency.com for details of your nearest outlet. Charges may be applicable from time to time.
7. Replacement Orders and Returns
   1. If:
      1. you do not receive your order, please contact us straightaway. We will undertake an investigation and a replacement order may be arranged if we consider it appropriate. We may charge you for the replacement order whilst we investigate the reason for non-delivery or may charge you for the replacement order at the completion of our investigation.
      2. the order you received is less than you actually ordered, please contact us straightaway. We will undertake an investigation and if we consider it appropriate following completion of our investigation, we will either: (i) send you an amount of the relevant foreign currency equal to the difference between your actual order and what you received; or (ii) refund the amount of the difference in Sterling at the original order value. If you have not contacted us on the day of delivery of your original order to report an alleged discrepancy, we shall have no liability to you whatsoever for any such alleged discrepancy nor shall we investigate the matter
      3. the amount of the order received by you is greater than you actually ordered, you undertake to return the excess to us by Royal Mail special delivery service within 7 days of receipt. We will reimburse the postage costs incurred by you.
8. Limitation of Liability
   1. We will use reasonable skill and care in providing the Service. We will not be liable to you:
      1. if we cannot perform any of our obligations due to the failure of any system (technical or otherwise) or for any other reasons beyond our reasonable control, including without limitation, terrorism, war, natural disaster, government action and industrial action;
      2. for any damage to your systems or computer equipment as a result of using our website or the Service;
      3. for any loss or damages incurred by you as a result of using our website or the Service which arise as a result of changes made to our website by unauthorised third parties;
      4. where links are provided from our website to other websites which do not belong to us or any of our affiliates, for any loss or damages or offence caused or allegedly caused by your access to or use of such third party websites;
      5. for any failure by you to provide us with the correct information;
      6. for any expenses, claims, damages or losses suffered or incurred by you from your use of our website or the Service (including without limitation any indirect or consequential loss, loss of profit, business, revenue, contracts, anticipated savings whether in contract or in delict or tort), howsoever caused.
   2. Our total liability to you in respect of each use of the Service shall be to refund the total purchase price (including any handling charge) of the relevant foreign currency order.
   3. Nothing in these Terms and Conditions will limit our liability to you for death or personal injury caused by our negligence or that of our employees or agents, or for fraud. Your statutory rights are not affected by the provisions of this paragraph.
9. Personal Information
   1. Details of how we use your personal information are set out in No 1 Currency’s Privacy Policy. Please click on the attached link.
10. Governing Law
    1. These Terms and Conditions shall be governed by and construed in accordance with the law of Scotland.
11. Variation
    1. These Terms and Conditions are subject to change from time to time and without notice.
    2. Your continued use of the Service constitutes your acceptance of the Terms and Conditions as modified from time to time.
12. Contact Details / Complaints
    1. If you wish to contact us or register a complaint with us, please contact us by:
       1. email at online@no1currency.com; or
       2. telephone on 0131 476 7373; or
       3. letter to 11 Glenfinlas Street, Charlotte Square, Edinburgh, EH3 6AQ.

No 1 Currency is the trading name of No 1 Currency Limited. Registered in England with no. 3019607, whose registered office is at Thornton House, Richmond Hill, Clifton, Bristol BS8 1AT.