Legal
These terms govern every transfer you make with Click Send Money. Pick your region — the entity serving you, and the rules that apply, depend on where you live.
These terms and conditions apply when you use Click Send Money in the Canada. By initiating a transfer — in the app, on this website, or at an agent location — you accept these terms and authorise us to carry out the money transfer. They are legally binding, so please read them in full. They include provisions on termination, limits on our liability and circumstances in which we are not liable for losses.
Click Send Money Ltd is a payment services firm registered in Canada & Wales, company number [•], with its registered office at 59 Century Drive, Main Floor, Scarborough, Ontario, Canada, M1K 4J7. Click Send Money Ltd is authorised and regulated by the Financial Conduct Authority as an Authorised Payment Institution under the Payment Services Regulations 2017, Firm Reference Number [FRN], and is supervised by HMRC for anti-money-laundering purposes under MSB registration [XJML number].
Each money transfer is a separate agreement between Click Send Money and you, the sender. When you send money with us, you agree that we may use our partners to process the transaction and share the details needed to complete it. These terms, together with our Privacy Policy and Cookie Policy, form the entire agreement governing your use of the service.
We may update these terms when the law or regulatory requirements change. Changes made after a transaction is completed do not apply to that transaction — only to transfers processed after the date of the change. For a copy of these terms or more information, email support@clicksendmoney.com or call +1 647 560 9550.
The service lets you send money to a recipient you designate. Funds can be paid into the recipient's bank account, mobile wallet, or collected in cash where available. To use the service you must be at least 18 years old. The service is for personal use only and must not be used for gambling, escrow or trust purposes.
When you send a transfer we will ask for certain information, including identification details, to meet our regulatory responsibilities. On completion you receive a transfer reference which must only be shared with your recipient. For cash collection, the recipient must present the reference and a valid government-issued ID; acceptable forms of ID vary by country and local restrictions may apply.
We aim to make funds available within minutes, and in any case no later than the end of the next working day for most corridors, subject to statutory or regulatory requirements, partner processing and local conditions. You are responsible for giving the recipient the details they need to collect the funds; errors in recipient details can delay payment.
Applicable law prohibits money transmission businesses from dealing with certain individuals. All transactions are screened against the list of asset-freeze targets issued by the Office of Financial Sanctions Implementation, HM Treasury. If there is a potential match we will investigate, which may delay payout, and we may ask for additional identification from the sender and/or the recipient.
The fee and exchange rate for your transfer are shown before you confirm. Proceeding with the transfer is your acceptance of those charges and that rate. Payout is made in the currency of the receiving country. Our rate is calculated from interbank rates with a margin, and the rate shown at confirmation is the rate applied at payout — except in a small number of countries where local law means the rate is an estimate confirmed at payment.
Rates are adjusted several times a day in line with financial markets, and we are not obliged to match rates offered by other providers. Your phone provider, card issuer or the receiving bank may apply their own charges, and in some receive countries local taxes may be levied at collection; checking receiving-bank charges is the sender's responsibility. See Fees & rates for current pricing.
If a transfer is not collected within 90 days it is treated as expired and we have no obligation to execute it; we will attempt to contact you to arrange a refund.
By using our app or web portal you confirm you are 18 or older. Your login details are personal and non-transferable: you are responsible for keeping them safe, for ensuring only you access your account, and for logging out after each session. If you suspect your credentials have been compromised, tell us immediately — undue delay may make you liable for resulting losses.
You must have sufficient funds in the account or on the debit card you pay with, and you authorise your card issuer to transfer the funds we need to process the transaction. We do not accept credit cards. Your card issuer's or bank's own terms also apply. We may disable access to the app or portal at any time, including for breach of these terms or where an operating system presents security risks we no longer support.
We may need to contact you about your transaction — to give or request additional information, or to respond to an issue. You consent to receiving communications and notices from us electronically, to the extent permitted by law, and you may withdraw that consent at any time. You also agree to keep the information we hold about you up to date, including your email and residential address.
We will take due care in processing your transaction in line with these terms. We do not, however, accept liability for:
Our liability for foreseeable damage under the contract is limited to £500 in addition to the amount transferred and charges, subject to applicable law. We are not liable where transfer details have been wilfully or negligently shared with a third party. Nothing in these terms limits our liability where it would be unlawful to do so.
We and our agents may refuse a transaction without giving a reason — in particular to prevent fraud, money laundering or terrorist financing, where required by law, at the request of a regulatory or law-enforcement body, under a court order, or under our internal policy. A transaction may be suspended, or these terms terminated, if:
Once a transfer has been paid out to your recipient it cannot be cancelled. If the funds have not yet been collected or received, we may be able to cancel: send your request in writing and we will process it promptly, normally the same day and in any case within 30 days. We do not charge for cancelling and refunding a transaction.
Where a transfer was not executed properly or the funds did not arrive, we refund both the amount sent and the fee. Refund requests cannot be accepted if unduly delayed or once 13 months have passed since the transaction.
If something goes wrong, contact us by chat, phone +1 647 560 9550, email (support@clicksendmoney.com) or post. We acknowledge complaints within 3 working days and aim to resolve them within 15 working days; complex cases can take up to 35 working days. If you are not satisfied with our final response, you may refer the matter to the Financial Ombudsman Service free of charge within six months. Full details are on our complaints page.
These terms, and any dispute arising out of or in connection with them, are governed by English law, and the parties submit to the non-exclusive jurisdiction of the courts of England and Wales. No third party has rights under the Contracts (Rights of Third Parties) Act 1999 to enforce this contract. All Click Send Money trade names, trademarks and other intellectual property remain our property; the service and app are licensed for your personal, non-commercial use only.
We may amend these terms to reflect changes in law, regulation or our services. The current version is always available on this page, and material changes will be notified in the app or by email before they take effect. Changes never apply retrospectively to transactions already completed.
Payment services in the European Economic Area are provided by Click Send Money Europe SA, a payment institution licensed and supervised by [national competent authority], licence number [•], with passporting rights across all EEA states in accordance with PSD2 (Directive (EU) 2015/2366). Click Send Money Europe SA is also subject to EU anti-money-laundering and counter-terrorist-financing legislation, the General Data Protection Regulation (Regulation (EU) 2016/679), and applicable consumer protection laws.
These terms ("Agreement") govern your use of the services provided by Click Send Money Europe SA ("Click Send Money", "we", "us"). You accept the Agreement by ticking to accept during registration or before initiating a transaction, or by continuing to use the services. It should be read together with our Privacy Policy and Cookie Policy; the current versions are always available on this website and in the app — please download and keep a copy.
Pay particular attention to the sections on sending money, fees and exchange rates, service restrictions, errors and refunds, liability, and changes to the Agreement.
The services enable customers resident in the EEA (and other supported locations listed on our website) to send funds to a beneficiary via supported payout methods — bank deposit, mobile wallet, or cash collection — in designated corridors. The "transaction amount" is the amount you fund; the "payout amount" is what the beneficiary receives after applicable fees and currency conversion.
The services are intended for personal, consumer use — peer-to-peer transfers and family support. Use for commercial payments, or to pay persons you do not know or trust, is not permitted unless we explicitly allow it. The services rely on third-party providers (banks, processors, payout agents), and your use may be subject to additional terms imposed by those providers.
To use the services you must: (a) accept this Agreement; (b) be at least 18 years old; (c) be resident in a supported country; and (d) complete identity verification and any other checks we require. You must create a profile — a profile is not a bank or payment account and does not hold funds. You may hold one profile only, must act on your own behalf and not for others, and must keep your details (including your residential address) accurate and up to date; changes in residency may affect eligibility.
You may not use the services if you are subject to sanctions or located in a jurisdiction we do not support. Transactions involving high-risk jurisdictions are subject to enhanced due diligence and may be delayed, suspended or declined in line with AML/CTF law.
You may fund a transfer by debit card or bank transfer (e.g. SEPA), as made available. By selecting a card you authorise the charge for the transaction amount and fees, confirm the card is valid and lawfully yours, and authorise us to verify it with the issuer. Bank-funded payments must come from an account in your own name, using the reference and instructions we provide, within the specified timeframe.
If a payment is late, from an ineligible account, for the wrong amount or with wrong references, we may delay or cancel the transaction, refund subject to checks, or suspend the services. Submitting a transfer is an offer to us, which we may accept or decline consistent with law and this Agreement.
Estimated execution times are shown before you confirm; they depend on corridor, payout method, bank cut-off times, compliance controls and time zones, and are indicative rather than guaranteed. Check all details carefully before confirming — changes may not be possible afterwards. Your card or bank provider's agreement may give you additional protections, such as chargeback rights.
You agree to pay the service fee displayed before you confirm; fees may be deducted from the transaction amount or charged separately. Where currency conversion applies, we display the exchange rate and the resulting payout amount before you confirm, shown as a percentage mark-up over the latest available ECB reference rate. The rate disclosed is the rate applied; if there is ever a discrepancy, we will correct it and reimburse the difference.
Your bank, card issuer, telecom or internet provider may charge their own fees, and you are responsible for those and for any taxes arising from your use of the services. If costs arise from your funding instrument — insufficient funds, chargebacks — you agree to reimburse us on demand.
Funds are made available to beneficiaries through our network of local banks, financial institutions and authorised agents. Locations, hours and availability vary. Beneficiaries must present valid government identification and the reference number provided; local providers may impose additional verification requirements. Funds not collected within 60 calendar days are cancelled and refunded to the sender, less applicable fees.
We may refuse or suspend any transaction to protect customers, comply with regulatory obligations or mitigate risk. The services must not be used for illegal purposes, gambling, controlled substances, adult content or other prohibited activities. Where necessary we may suspend or terminate profiles, delay, cancel or reverse transactions, and report suspicious activity to the authorities; we will notify you where legally possible.
Processing of personal data is governed by our Privacy Policy and Cookie Policy. In compliance with AML legislation we collect and verify personal data including identity documents, proof of address and information about the source of funds. Personal data may be transferred outside the EEA with adequate safeguards (such as EU Standard Contractual Clauses), and may be disclosed to regulators, law enforcement or judicial authorities as required by law.
You may cancel this Agreement within 14 days of acceptance without penalty. Thereafter, either party may terminate with one month's written notice. After termination we may retain your data as required by law.
We are liable for foreseeable loss and damage caused by our failure to comply with this Agreement or to use reasonable care and skill. We are not responsible for unforeseeable loss, losses caused by your breach or fraudulent actions, business-related losses, or losses arising from our compliance with legal and regulatory obligations or from events outside our reasonable control (including strikes, natural disasters, epidemics, unavoidable technical failures and essential maintenance).
Our liability is limited except in cases involving death, personal injury, fraud or fraudulent misrepresentation, where we accept our full legal responsibilities. You are responsible for losses caused by your breach of this Agreement, misuse of the services, or fraudulent or negligent activity.
If you have a concern, contact our support team first — we prioritise resolving issues directly and fairly; see our complaints page for the procedure. Unresolved disputes may be referred to the competent alternative dispute resolution body in the country of our licensed entity [ADR body — to be confirmed at licensing], and you may also use the European Online Dispute Resolution platform at ec.europa.eu/odr. This Agreement is governed by the law of the country in which Click Send Money Europe SA is licensed [•], without regard to conflict-of-law provisions.
We may change the services or this Agreement — to correct errors, reflect new products, respond to legal requirements or adapt to industry standards. You will be given at least 2 months' notice of any material change and may terminate the Agreement without charge within that notice period. Changes are communicated by posting the revised Agreement on our website and app.
If any part of this Agreement is found unlawful, the remainder stays valid. We may transfer our rights and obligations to another organisation with notice; you may transfer yours only with our written consent. Not enforcing a provision immediately does not waive our right to enforce it later. We hold all intellectual property rights in our services, trademarks and software, which are licensed for your personal, non-commercial use. Click Send Money Europe SA is not part of a government compensation scheme, so no compensation would be available under such a scheme in the unlikely event we cannot meet our liabilities.