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Customer Terms and Conditions of E-Accounts

and

E-Wallet Account Terms and Conditions

  1. Who are Monitox
    1. Monitox Limited, is a Limited Liability company registered in Scotland, under Company Nr: SC627907, Registered Head Office: Suite 20, 196 Rose Street, Edinburgh, Scotland, EH2 4AT, U.K,(“Monitox”, “we”, “us”, or “our” as applicable).
    2. Our London Office: City Bridge House, 57 Southwark Street, London, SE1 1RU
    3. Monitox Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 901012)
    4. Monitox Limited is registered on the Information Commissioner’s Office’s Register of Data Controllers under number: ZB190422.
    5. You can contact us by email, web chat or telephone. Our contact details are provided on the “Contact” page of our Website.
  2.  Introduction to this Agreement
    1. These are the terms and conditions on which we provide our Services to you.
    2. Please read this Agreement carefully before you start to use our Services. This Agreement (always together with the documents referred to in it) tells you who we are, how we will provide the Services to you, how this Agreement may be changed or ended, what to do if there is a problem and other important information.
    3. This Agreement refers to the following additional documents, which also apply to your use of our Services:
      1. Our Privacy Policy, which sets out the terms on which we process any personal data we collect about you, or that you provide to us. By using our Services, you consent to such processing and you promise that all data provided by you is accurate.
      2. Our Cookie Policy, which sets out information about the “cookies” on our Website.
      3. Our Acceptable Use Policy, which sets out the permitted uses and prohibited uses of our Services.
      4. Our Frequently Asked Questions (“FAQ”) which provides answers to common customer questions.
    2. In order to receive some of our Services, you may be asked to agree to additional terms and which we will notify you about at the relevant time.
    3. All future changes set out in the Customer Updates section of our Website at the time you sign-up for our Services are incorporated into this Agreement. We give you at least 14 days’ notice of any substantive changes to the terms of this Agreement.
    4. By visiting our Website and/or using our Services (including downloading and using our App, or via the API, a social media platform or other authorised third party), you will be required to confirm that you accept and agree to this Agreement (including the Customer Updates and the additional documents referred to above). If you do not wish to agree, please do not use our Services.
    5. Where you hold a balance with us, this Agreement applies as a Framework Contract to your Account and any payment services involving your balances.
  3.  Definitions and Interpretation
    1. In this Agreement, the following capitalized terms have the following meaning:
      1. Applicable Law means any and all applicable laws, regulations and rules, including but not limited to those rules and regulations of the FCA, as in force from time to time;
      2. API means the application programming interface provided by Monitox.
      3. Application/Appmeans the mobile application software, the data supplied with the software and the associated media.
      4. Balance means any amounts held in your Monitox Account.
      5. Business Day means a day other than a Saturday or Sunday or a public holiday when financial institutions in London are open for business.
      6. FCA means the Financial Conduct Authority.
      7. Monitox Materials include any software (including without limitation the App, the API, developer tools, sample source code, and code libraries), data, materials, content and printed and electronic documentation (including any specifications and integration guides) developed and provided by us or our affiliates to you, or available for download from our Website.
      8. Services means all products, services, content, features, technologies or functions offered by us and all related websites, applications (including the App), and services (including the Website and API).
      9. Source Currency means the currency which you hold and/or fund your payment order with.
      10. Target Currency means the currency which your recipient will receive.
      11. Website means any webpage, including but not limited to www.Monitox.com, where we provide the Services to you.
    2. The headings are for reference only.
    3. Underlined words in this Agreement contain hyperlinks to further information.
  4. Who can use our Services
    1. You must be 18 years or over. If you are an individual, you must be 18 years or older to use our Services and by opening a Monitox Account you declare that you are 18 years or older. We may ask you at any time to show proof of your age.
    2. You must have authority to bind your business. If you are not a consumer, you confirm that you have authority to bind any business or entity on whose behalf you use our Services, and that business or entity accepts these terms.
    3. Your use of the Monitox Account must not violate any applicable laws. You commit to us that your opening and/or using of a Monitox Account does not violate any laws applicable to you. You take responsibility for any consequences of your breach of this section.
  5. Providing Information
    1. We are required by law to carry out all necessary security and customer due diligence checks on you (including any parties involved in your transaction for example, your recipient) in order to provide any Services to you.
    2. You agree to comply with any request from us for further information and provide such information in a format acceptable to us.
    3. In addition, you agree that we may make, directly or through any third party, any inquiries we consider necessary to validate the information you provided to us, including checking commercial databases or credit reports.
    4. You authorise us to obtain one or more of your credit reports, from time to time, to establish, update, or renew your Monitox Account with us or in the event of a dispute relating to this Agreement and activity under your Monitox Account.
  6. Accessing our services
    1. We will try to make sure our Services are available to you when you need them. However, we do not guarantee that our Services will always be available or be uninterrupted. We may suspend, withdraw, discontinue or change all or any part of our Service without notice.
    2. We will not be liable to you if for any reason our Services are unavailable at any time or for any period. You are responsible for making all arrangements necessary for you to have access to our Services.
  7. Monitox Mobile Application and API
    1. We license the use of our Application to you on the basis of this Agreement and subject to any rules and policies applied by any Appstore provider or operator whose sites are located at App Store and Google Play. We do not sell the Mobile Application to you. We remain the owners of the Application at all times.
    2. From time-to-time updates to the App may be issued through the Apple App Store or Google Play.
    3. Depending on the update, you may not be able to use our Services via the App until you have downloaded the latest version of the App and accepted any new terms.
  8.  Your Monitox Account
    1. About your Monitox Account:
      1. Your Monitox Account allows you to hold, send or receive electronic money/payments.
      2. The electronic money held on your Monitox Account does not expire other than when your account is closed, see section 19 for more details.
      3. The electronic money held on your Monitox Account will not earn any interest.
      4. You may hold your electronic money in any currencies which we support from time to time.
      5. You may withdraw money from your Monitox Account at any time subject to certain conditions, please see section 16 for more details.
      6. Certain limits may be placed on your Monitox Account depending on your country of residence, verification checks or other considerations. Please contact us if you have any questions about these limits.
      7. The electronic money held on your Monitox Account belongs to the person or legal entity which is registered as the Monitox Account holder.
      8. You must not allow anyone to operate your Monitox Account on your behalf.
    2.  Your Monitox Account is an electronic money account and is not a bank account. For further information on how we look after your money, please visit FAQ.
  9. Getting started with your Monitox Account
    1. To start using our Services, you must open a Monitox Account and provide your details as prompted.
    2. All information you provide to us must be complete, accurate and truthful at all times. You must update this information whenever it changes. We cannot be responsible for any financial loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents.
    3. All activities under a Monitox Account shall be deemed as activities carried out by the registered user. You shall only use the Services to transact on your own account and not on behalf of any other person or entity.
    4. You may only open one Monitox Account unless we have agreed in writing the opening of additional accounts. Monitox may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Monitox may close or merge these duplicate accounts at its sole discretion.
  10.  Uploading money into your Monitox Account
    1. To upload money, you need to log in to your Monitox Account and follow the steps as they appear on screen. We are not responsible for the money you have uploaded until we have received them. For clarity, in an upload transaction, we are the recipient of funds and not the payment services provider.
    2. You may be presented with one or more methods of upload for example, bank transfer, credit cards or debit cards (in this Agreement, we will call these methods “Upload Methods”).
    3. The number of Upload Methods made available to you will depend on a number of factors including where you live and your verification status with us. Upload Methods are not part of our Services, they are services provided by third parties for example, the card provider which issued you with your credit/debit card. We cannot guarantee the use of any particular Upload Method and may change or stop offering an Upload Method at any time without notice to you.
    4. Any payment instrument (for example, the credit card or debit card) you use with your chosen Upload Method must be in your name.
    5. If you selected an Upload Method which gives you chargeback rights (for example in relation to your credit card, you may ask your card provider to reverse a transaction on your card), you promise that you will only exercise this chargeback right if:
      1. we have breached this Agreement; or
      2. there was an unauthorised use of your payment instrument.
    6. You promise that you will not exercise your chargeback right for reasons which we are not responsible, including a dispute with your recipient or if there are insufficient funds in your payment instrument. If we need to investigate or take any actions in connection with a chargeback raised by you, we may charge you for our costs in doing so and may deduct such amount from your Monitox Account.
    7. For legal and security reasons, we impose limits on how much you can upload into your Monitox Account.
    8. We will credit your Monitox Account once we have received your money. For some Upload Methods such as credit or debit card, we will credit the money to your Monitox Account as soon as possible subject to our right of reversal. This means if the actual amount you intended to upload does not reach us within a reasonable time, we may deduct such amount from your Monitox Account. If you do not have enough money in your Monitox Account for this purpose, we can demand repayment from you using other methods.
  11.  Sending money
    1. You must set up your payment order from your Monitox Account. Your order may either be:
      1. “Source Order”which is a payment order where you indicate that you wish to send and convert a fixed amount of Source Currency to your recipient who will receive the converted amount in the Target Currency; or
      2. “Target Order”which is a transfer where you indicate that you wish to send and convert a fixed amount of Target Currency to your recipient from the Source Currency you pay into Monitox.
    2. You can only set up a Target Order for certain Source Currencies.
    3. To set up a payment order via your Monitox Account, you need to provide certain information to us including: (a) the full name of your recipient, (b) your recipient’s bank account details or their Monitox Account details and (c) amount to be transferred.
    4. We may place limits on the amount you may send per transfer.
    5. If your payment order is received by us after 5pm on a Business Day or not on a Business Day, your payment order will be deemed received on the following Business Day.
    6. Once we have received your payment order, we will display it under the Activity section of your Monitox account. Each payment order is given a unique transaction number which you can find there. You should quote this number when communicating with us about a particular payment order.
    7. We will only process your payment order if we hold or have received sufficient cleared funds in your Monitox Account. If you send the relevant funds prior to setting up the currency conversion order, we will attempt to return them to you. It is your responsibility to fund your payment order in a timely manner. We cannot be responsible for the time it takes for the money to be sent to us by your bank or payment service provider.
    8. We carry out verification checks, and these checks may increase the time it takes to process your payment order. We cannot be responsible for any delays as a result of carrying out those checks.
    9. We do not have any control over the time it may take for the recipient’s bank or payment provider to credit and make available funds to the recipient.
    10. If we are unable to complete your payment order, we will let you know and, if possible, the reasons for the refusal and an explanation on how to correct any factual errors. However, we are not required to notify you if such notification would be unlawful.
    11. You may cancel your payment order by contacting us and following the instructions we provide you.the instructions set out in our FAQ You cannot cancel your payment order once your funds have been converted into the Target Currency you requested.
    12. You must make sure that the information you provide when setting up a payment order is accurate. If we have processed your order in accordance with the information you have provided to us it will be considered correctly completed even if you have made a mistake.
    13. If you provide incorrect information with your payment order, we will use reasonable efforts to recover the funds for you, and may need to charge you a fee for that.
  12. Receiving money
    1. You can receive money into your Monitox Account. You can receive money into your Monitox Account using methods which we support from time to time.
    2. The money received is shown in your Monitox Account. Any money you receive into your Monitox Account will be recorded in the transaction history section of your Monitox Account. You should check the incoming funds in your Monitox Account against your own records regularly and let us know if there are any irregularities.
    3. Until then, there is no relationship between us and the intended recipient and the money continues to belong to you. We will refund the money to you if the intended recipient does not claim the money or if they have failed our customer checks within a reasonable time period as determined by us.
  13. Maintaining your Monitox Account
    1. All your transactions (including your current Balance, money you have uploaded, received, sent and/or withdrawn) are recorded in the transaction history section of your Monitox Account. You may access this information after you log in to your Monitox Account. We have allocated a reference number to each transaction, you should quote this reference number when communicating with us about a particular transaction.
    2. You must check your Monitox Account regularly and carefully and contact us immediately if you don’t recognise a transaction or think we have made a payment incorrectly. You must tell us about any unauthorised or incorrectly executed transactions immediately, but no later than 13 months from the transaction; otherwise you may not be entitled to have any errors corrected.
    3. You agree and accept all the risks associated with maintaining balances in multiple currencies including any risks associated with fluctuations in the relevant exchange rates over time. You agree that you will not use our Services for speculative trading.
    4. You promise to always have a zero or positive Balance in your Monitox Account. If your Monitox Account goes into a negative balance as a result of a chargeback, reversal of a transaction, deduction of fees or any other action carried by you, you promise to repay the negative balance immediately without any notice from us. We may send you reminders or take such other reasonable actions to recover the negative balance from you, for example, we may use a debt collection service or take further legal actions. We will charge you for any costs we may incur as a result of these additional collection efforts.
    5. You are responsible for any taxes which may be applicable to payments you make or receive, and it is your responsibility to collect, report and pay the correct tax to the appropriate tax authority.
  14. Withdrawing from your Monitox Account
    1. After you log in to your Monitox Account, you may request all or part of your money held in your Monitox Account to be withdrawn. Press “send money” and follow the steps as prompted on screen. We will charge you a fee for each withdrawal request, we will let you know the exact amount when you submit your request. You can also find out more information about the fees we charge on Monitox Pricing
    2. You may be presented with one or more methods of withdrawal (in this Agreement, we will call these methods “Payout Methods”). The number of Payout Methods made available to you will depend on a number of factors including where you live and your verification status with us. We cannot guarantee the use of any particular Payout Method and may change or stop offering a Payout Method at any time without notice to you, but we will ensure that you will always have at least one Payout Method available to you.
    3. Payout Methods are not part of our Services, they are services provided by third parties for example the bank where you hold your bank account. For the purposes of a withdrawal transaction, we are a payer and not a payment service provider.
    4. When setting up your withdrawal request, you must ensure that the information you provide is correct and complete. We will not be responsible for money sent to the wrong recipient as a result of incorrect information provided by you. If you have provided wrong information to us, you may ask us to assist you in recovering the money, but we cannot guarantee that such efforts will be successful.
    5. You agree that your Monitox Account is subject to withdrawal limits. If your withdrawal request exceeds the current limit, we may decline your request and require you to provide additional documents to us so that we can carry out additional checks before allowing the money to be withdrawn.
  15. How much will you pay?
    1. You must pay the fees in connection with the use of our Services. We will not process your transaction until we have received the fees from you.
    2. We will let you know the exact amount payable by you when you set up your order. You can see our fee structure on the Monitox Pricing For clarity, the fees applicable to you as set out on the Monitox Pricing forms part of this Agreement which may be subject to change.
    3. You agree that we are authorised to deduct our fees, any applicable reversal amounts, and/or any amounts you owe us from your Monitox Account. If you don’t have enough money in your Monitox Account to cover these amounts, we may refuse to execute the relevant transaction or provide any Services to you.
  16. Currency Conversion
    1. You may convert the money held in one currency in your Monitox Account into other currencies we support from time to time. You can only perform a conversion in respect of funds that you already hold in your Monitox Account. A conversion fee will apply when we perform a currency conversion, for more information see Monitox Pricing
    2. We reserve the right in our sole discretion to refuse any currency conversion order. Reasons for refusal may include but are not limited to incorrect information about the recipient, insufficient available funds, or where we believe you may have violated this Agreement, including we believe you are attempting to engage in currency trading or other trading for purposes not permitted by this Agreement.
  17. Keeping your Monitox Account safe
    1. You must:
      1. Change your password regularly and ensure that it isn’t reused across other online accounts.
      2. Contact Customer Support if anyone asks for your Monitox password.
      3. Set up 2-step authentication where prompted
      4. Keep your e-mail account secure.
      5. Your may reset your Monitox Account password using your email address. Let Customer Support know immediately if your email address becomes compromised.
    2. You must NOT:
      1. Disclose your Monitox Account password or your customer reference number Keep them safe.
      2. Let anyone access your Monitox Account or watch you accessing it.
      3. Use any functionality that allows your login details or passwords to be stored by the computer or browser you are using or to be cached or otherwise recorded.
      4. Do anything which may in any way avoid or compromise the 2-step authentication process.
    3. Contact us if you suspect your Monitox Account has been compromised. If you suspect your Monitox Account or other security credentials are stolen, lost, used without your authorisation or compromised, you must contact Customer Support immediately, you are also advised to change your password. Any undue delays in notifying us may affect the security of your Monitox Account and also result in you being responsible for any financial losses.
  18.  Unauthorized Payments
    1. In case of an unauthorised payment or mistake due to our error, we shall at your request immediately refund the payment amount including all fees deducted by us. This shall not apply:
      1. where your Monitox Account, or its personalised security features, are lost, stolen or misappropriated. You will not be liable for any unauthorised payments if we believe you should have been aware of the loss, theft or unauthorised use. We will not hold you liable if the unauthorised payment was caused either by our acts or omissions, or those of a third party expressly carrying out activities on our behalf;
      2. if you have acted fraudulently, in which case we will not refund you in any circumstances;
      3. if you do not quickly notify us of security issues on your Monitox Account (e.g., loss of your password), you remain liable for losses incurred up to your notification to us;
      4. if the payment transaction was unauthorised but you have with intent or gross negligence compromised the security of your Monitox Account or failed to comply with your obligations to use your Monitox Account in the manner set out in this Agreement. In such a case you shall be solely liable for all losses; or
      5. if you don’t let us know about the unauthorised or incorrectly completed transaction within 13 months from the date of the payment transaction.
    2.  You are responsible for checking your Monitox Account regularly. We rely on you to regularly check the transactions history of your Monitox Account and to contact Customer Support immediately in case you have any questions or concerns.
  19. Closing your Monitox Account
    1. You may end this Agreement and close your Monitox Account at any time by contacting our Customer Support.
    2. You should withdraw your money within a reasonable time. At the time of closure, if you still have money in your Monitox Account, you must withdraw your money within a reasonable period of time by following the steps described in section 16. After a reasonable period of time, you may not have access to your Monitox Account, and should contact Customer Support.
    3. If you attempt to close your Monitox Account during an investigation, we may hold your money until the investigation is fully completed in order to protect our or a third party’s interest.
  20. When we can end this Agreement or suspend our Services
    1. We may end this Agreement and close your Monitox Account or any service associated with it by giving you 14 days’ prior notice.
    2. We may at any time suspend or close your Monitox Account and/or end this Agreement without notice if:
      1. you breach any provision of this Agreement or documents referred to in this Agreement;
      2. we are requested or directed to do so by any competent court of law, government authority, public agency, or law enforcement agency;
      3. we have reason to believe you are in breach of any applicable law or regulation; or
      4. we have reason to believe you are involved in any fraudulent activity, money laundering, terrorism financing or other criminal or illegal activity.
    3. We may suspend your Monitox Account for security reasons. We may suspend your Monitox Account or restrict its functionality if we have reasonable concerns about:
      1. the security of your Monitox Account; or
      2. suspected unauthorised or fraudulent use of your Monitox Account.
    4. We will give you notice of suspension where possible. We will give you prior notice of any suspension or restriction and the reasons for such suspension or restriction as soon as we can, unless notifying you would be unlawful or compromise our reasonable security measures. We will lift the suspension and/or the restriction as soon as practicable after the reasons for the suspension and/or restriction have ceased to exist.
    5. On termination for any reason all rights granted to you in connection with the App shall cease, you must immediately delete or remove the App from your devices.
  21. Information security and Linking to our site
    1. You are responsible for configuring your information technology, computer programmes and platform in order to access our Services. You should use your own virus protection software. We cannot guarantee that our Services will be free from bugs or viruses.
    2. You must not misuse our Services by introducing viruses, trojans, worms, logic bombs or other materials which are malicious or technologically harmful. You must not attempt to gain unauthorised access to our Website, our servers, computers or databases. You must not attack our Website with any type of denial-of-service attack.
    3. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Website and/or our Services will cease immediately.
    4. You may link to our Website, provided:
      • you do so in a way that is fair and legal and does not damage our reputation or take advantage of it;
      • you do not suggest any form of association, approval or endorsement on our part where none exists;
      • you do not frame our Website on any other site; and
      • the website complies our Acceptable Use Policy.
    5. We reserve the right to withdraw linking permission without notice.
  22. Intellectual property rights
    1. While you are using our Services, you may use the Monitox Materials only for your personal use and solely as necessary in relation to those Services.
    2. You may not, and may not attempt to, directly or indirectly:
      1. transfer, sublicense, loan, sell, assign, lease, rent, distribute or grant rights in the Service or the Monitox Materials to any person or entity;
      2. remove, obscure, or alter any notice of any of our trade marks, or other “intellectual property” appearing on or contained within the Services or on any Monitox Materials;
      3. modify, copy, tamper with or otherwise create derivative works of any software included in the Monitox Materials; or
      4. reverse engineer, disassemble, or decompile the Monitox Materials or the Services or apply any other process or procedure to derive the source code of any software included in the Monitox Materials or as part of the Services.
  23. Our responsibility to you
    1. We are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you discussed it with us during your account sign up process.
      1. We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation.
      2. We are not liable for business losses. If you use our Services for any commercial or business purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
    2. We are not liable for technological attacks. We will not be liable for any loss or damage caused by a virus, or other technological attacks or harmful material that may infect your computer equipment, computer programmes, data or other proprietary material related to your use of our Services.
    3. We have no control over websites linked to and from our Website. We assume no responsibility for their content or any loss or damage that may arise from your use of them.
    4. We (and our affiliates) cannot be liable for our inability to deliver or delay as a result of things which are outside our control.
    5. You are liable for breaking this Agreement or applicable laws. In the unlikely event of loss or claims or costs and expenses arising out of your breach of this Agreement, any applicable law or regulation and/or your use of our Services, you agree to compensate us and our affiliates and hold us harmless. This provision will continue after our relationship ends.
    6. . In the event you are liable for any amounts owed to us, we may immediately remove such amounts from your Balance (if available).
  24. Our right to make changes
    1. We may make substantive changes to this Agreement by giving you 14 days’ prior written notice. If we do this, you can terminate this Agreement immediately by providing written notice to us during the notice period. If we do not hear from you during the notice period, you will be considered as having accepted the proposed changes and they will apply to you from the effective date specified on the notice.
    2. In some instances, we may change this Agreement immediately. Despite section 26.1, changes to this Agreement which are: (1) more favourable to you; (2) required by law; or (3) related to the addition of a new service, extra functionality to the existing Service; or (4) changes which neither reduce your rights nor increase your responsibilities, will come into effect immediately if they are stated in the change notice. Changes to exchange rates shall come into effect immediately without notice and you shall not have the right to object to such a change.
  25. How we may contact you
    1. For this purpose, you must at all times maintain at least one valid email address in your Monitox Account profile. You should check for incoming messages regularly and frequently; these emails may contain links to further communication on our Website. If you don’t maintain or check your email and other methods of communications, you will miss emails about your transactions and our Services. We cannot be liable for any consequence or loss if you don’t do this. If we have reasonable concerns either about the security of your Monitox Account, or any suspected or actual fraudulent use of your Monitox Account, we will contact you via telephone, email, or both (unless contacting you would be unlawful or compromise our reasonable security measures).
    2. In addition to communicating via email, we may contact you via letter or telephone where appropriate. If you use any mobile services, we may also communicate with you via SMS. Any communications or notices sent by:
    3. Email will be deemed received by you on the same day if it is received in your email inbox before 5pm on a Business Day. If it is received in your email inbox after 5pm on a Business Day or at any other time, it will be deemed received on the next Business Day.
    4. Post will be deemed received three days from the date of posting for UK post or within five days of posting for international post.
    5. SMS will be deemed received the same day.
    6. Where legislation requires us to provide information to you on a durable medium, we will either send you an email (with or without attachment) or send you a notification pointing you to information on our Website in a way that enables you to retain the information in print format or other format that can be retained by you permanently for future reference. Do keep copies of all communications we send or make available to you.
    7. If you need a copy of the current Agreement or any other relevant document, please contact Customer Support
    8. This Agreement is made in the English language. Documents or communications in any other languages are for your convenience and only the English language version of them are official.
  26. Complaints
    1. If you have any complaints about us or our Services, you may contact Monitox at the following – [email protected]
    2. Your complaint will be handled fairly, consistently and in any event you shall receive a response within 60 days from the date when your complaint was properly filed with us in which you will be given a decision and whether any remedy or redress is offered.
  27. Other important terms
    1. This Agreement is between you and us. No other person shall have any rights to enforce any of its terms. Neither of us will need to get the agreement of any other person in order to end or make any changes to this Agreement.
    2. You may not transfer, assign, mortgage, charge, subcontract, declare a trust over or deal in any other manner with any or all of your rights and obligations under this Agreement (including the Monitox Account) without our prior written consent. We reserve the right to transfer or assign the benefit of this Agreement (including the Monitox Account) or any right under this Agreement at any time without your consent. This does not affect your rights to close your Monitox Account under section 19.
    3. Each of the paragraphs of this Agreement operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
    4. If we delay in asking you to do certain things or in taking action, it will not prevent us taking steps against you at a later date.
    5. This Agreement supersedes and extinguishes all previous agreements between you and Monitox, whether written or oral, relating to its subject matter.
    6. This Agreement is governed by and construed in accordance with the English Any dispute between you and us in connection with your Monitox Account and/or this Agreement may be brought exclusively in the English courts.
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