Wapa Money Platform Terms and Conditions
Welcome to Wapa Money! We provide a mobile app platform (Platform) to facilitate cross-border money transfers.
In these terms and conditions (Terms), when we say you or your, we mean you, the individual who has signed up to the Platform. When we say we, us, or our, we mean Wapa Money UK Limited, a company registered in England and Wales with company number 14858127.
These Terms form our contract with you, and set out our obligations as a service provider and your obligations as a customer. You cannot use our Services unless you agree to these Terms.
Some capitalised words in these Terms have defined meanings, and each time that word is used in these Terms it has the same meaning. You can find a list of the defined words and their meaning at the end of these Terms or throughout these Terms.
For questions about these Terms, or to get in touch with us, contact us using the details below:
Our contact details:
Wapa Money UK Limited, a company established in England and Wales. Our company registration number is 14858127.
Phone number: +44 118 230 3373
Geographical address: 124 City Road, London, England EC1V 2NX
Email address: info@wapa.money
These Terms were last updated on 8 October 2024.
1 These Terms
These Terms contain the terms and conditions on which we supply the Platform to you, whether the Platform comprises of services and/or digital content. Please read these Terms carefully before you accept these Terms by accessing the Platform.
2 Engagement and Term
2.1 These Terms apply from when you sign up for an Account, until the date on which your Account is terminated in accordance with these Terms. We grant you a right to use our Services for this period of time only (which may be suspended or revoked in accordance with these Terms).
2.2 You must be at least 18 years old to use the Platform.
2.3 Variations to these Terms: We may amend these Terms at any time, by providing written notice to you. By clicking “I accept” or continuing to use our Platform after the notice or 30 days after notification (whichever date is earlier), you agree to the amended Terms. If you do not agree to the amendment, you may close your Account with effect from the date of the change in these Terms by deleting your Account on the mobile app. If you close your Account, you will no longer be able to access our Services (including our Platform) on and from the date of cancellation.
2.4 If you access or download our mobile application from (1) the Apple App Store, you agree to any Usage Rules set forth in the App Store Terms of Service or (2) the Google Play Store, you agree to the Android, Google Inc. Terms and Conditions including the Google Apps Terms of Service.
2.5 We are licensed to provide the Platform to you by way of a proprietary licence.
3 Accounts
3.1 You must register on the Platform and request an account on the Platform (Account) to access and use our Platform.
3.2 When you place a request on the Platform for an Account, you may be required to provide the following personal data:
(a) name;
(b) date of birth;
(c) residential address;
(d) mobile number;
(e) email address;
(f) a valid form of government-issued identification; and
(g) any other personal data we may reasonably request from you.
3.3 You acknowledge and agree that (1) we may contact, connect to, share with, or otherwise liaise with third party verification service and AML/KYC providers (Third Party ID Services) to validate your identity and information, and to ensure that we comply with our legal and contractual obligations (Identity Check), and (2) Third Party ID Services may provide us with your Personal Data or special categories of Personal Data, and you consent to us receiving and using this information to enable us to perform an Identity Check.
3.4 We will review your request for an Account before approving the request. We may request additional information, including further evidence of your identity and tax status. If you do not provide us with information we reasonably request, we may refuse to create an Account for you.
3.5 Based on the information you provide to us and Third-Party ID Services, and our assessment of the results of any checks we undertake, we may refuse to provide you with an Account, in our sole discretion.
3.6 While you have an Account with us, you agree to keep your information up-to-date (and ensure it remains true, accurate and complete).
3.7 You are responsible for keeping your Account details and your username and password confidential and you will be liable for all activity on your Account, including any Money Transfers initiated using your Account. You agree to immediately notify us of any unauthorised use of your Account.
3.8 We may require you to validate your Account from time to time, to ensure that your details are up-to-date.
3.9 We may suspend your access to our Services where we reasonably believe there has been any unauthorised access to or use of our Services (such as the unauthorised sharing of login details for our Platform). If we suspend your access to our Services, we will let you know within a reasonable time of doing so, and we will work with you to resolve the matter, or if it cannot be resolved, then we may terminate your Account and your access to our Services will end.
4 Our Services
4.1 We provide the following services to you:
(a) access to our Platform (and its features);
(b)a virtual bank account (a Wallet);
(c) the provision of Money Transfers across borders in the Permitted Transfer Channels (as defined in clause 6) (Money Transfer Services); and
(d) access to our support team (Support Services),
(collectively, our Services).
4.2 If you require Support Services, you may request these by getting in touch with us through our Platform or defined channels (such as email, telephone, social media, or website).
4.3 We will provide the Money Transfer Services in accordance with these Terms and all applicable laws, whether ourselves or through our partners. We warrant to you that the Money Transfer Services will be provided using reasonable care and skill.
4.4 We will not be responsible for any other services unless expressly set out in these Terms or on our Platform.
4.5 You warrant and agree that you will not use the Services for any commercial purpose, and not for any, or to fund any, illegal, fraudulent, harmful or inappropriate purposes (including, for the avoidance of doubt, use for any money-laundering or terrorist financing activities).
4.6 We do not currently charge any fees for the provision of the Services.
4.7 The Wallet functionality is powered by our third party provider, Transact Payments Limited (TPL). Before you use the Wallet, you may be requested to read and agree to TPL’s terms and conditions governing your use of the Wallet. To the extent of any conflict between TPL’s terms and conditions and these Terms in respect of the use of the Wallet, TPL’s terms and conditions will prevail.
5 Funding your Wallet
5.1 Before you can make a transfer through the Platform, you must fund your Wallet.
5.2 The payment methods we offer to fund your Wallet are set out on the Platform.
5.3 You must not, nor attempt to, fund your Wallet by fraudulent or unlawful means. If you make a payment by debit card or credit card, you warrant that you are the account holder of the debit card or credit card used to fund your Wallet. You must not use a third party’s debit card or credit card to fund your Wallet.
5.4 You must be the authorised owner of all payment methods used to fund your Wallet, and they must be valid and not expired. For the avoidance of doubt, this means that you must be the account holder of any third-party bank account which you use to fund your Wallet. We may verify your payment method by making a small temporary charge, which will be refunded to you. This allows us to confirm that your payment method is active with the card issuer. We will follow all relevant rules during this process.
5.5 We may impose limits on the maximum or minimum amount which you may fund into your Wallet.
5.6 Your Account will display all funds in your Wallet which have been received by us from you (Your Funds). Please note that whilst most payment methods to transfer funds to your Wallet are instantaneous, there may be some delays between transferring funds to your Wallet, and our receipt of Your Funds, and Your Funds will only be available for a Money Transfer once they have been received and settled by us.
5.7 You acknowledge and agree that you will not earn, and we will not pay you, interest on Your Funds which sit in your Wallet.
6 Money Transfers
6.1 You may request to transfer Your Funds to a recipient bank account nominated by you, in a selected location and currency permitted by us, as set out on the Platform (Permitted Transfer Channel).
6.2 When you request to perform a Money Transfer through the Platform, you will be required to:
(a) select the amount you would like to transfer from Your Funds which are available to you (Transfer Amount);
(b) create and select the nominated recipient in the Permitted Transfer Channel (Nominated Recipient);
(c) our Platform will provide you with an exchange rate and a corresponding payout amount to be paid out to the nominated recipient (Payout Amount).
6.3 You will be asked to confirm the details of the Money Transfer, including the Transfer Amount, and the Payout Amount which will be received by the Nominated Recipient in the chosen local currency, calculated by way of the transfer exchange rate provided to you on the Platform.
6.4 You acknowledge and agree that the exchange rate set out on the Platform may change at any time prior to you confirming the Money Transfer in the Platform.
6.5 You must ensure that Your Funds available in your Wallet are sufficient to cover the Transfer Amount.
6.6 You are solely responsible for providing us with the correct details of the Nominated Recipient, and we are not liable to you for any loss of funds as a result of you providing us with incorrect Nominated Recipient details.
6.7 Once you agree to the details of the Money Transfer in the Platform, you instruct us to transfer the Transfer Amount to the Nominated Recipient. You acknowledge and agree that once you confirm the Money Transfer, it is not reversible, and we are unable to stop the Money Transfer from proceeding. We will deduct the Transfer Amount from Your Funds in your Wallet immediately after you instruct us to commence the Money Transfer.
6.8 Each Money Transfer constitutes a separate agreement between us and you, which is limited to the execution of that specific Money Transfer. We are not automatically obligated to perform any subsequent money transfer.
6.9 Subject to any regulatory requirements, we will perform the Money Transfer Services within a reasonable time of your confirmation of the Money Transfer in the Platform. We do not guarantee any specific timeframe for which the Nominated Recipient will receive the funds which are the subject of the Money Transfer, and you acknowledge and agree that we cannot control, and are not liable for, the actions of any third-party banking or finance institution involved in the Money Transfer.
6.10 We may refuse to perform a Money Transfer for any reason, including where we suspect any fraudulent activity associated with the Money Transfer or your Account (or issues with the Nominated Recipient – i.e. fails screening checks).
6.11 We are not liable for any fees which the Nominated Recipients banking or finance institution may charge to receive the funds which are the subject of the Money Transfer.
7 Refunds
7.1 Subject to your rights at law and under this clause 7, transactions are irreversible, and the Transfer Amount is non-refundable once paid where we have performed the Money Transfer Services.
7.2 For the avoidance of doubt and without limiting clause 7.1, you will not be entitled to any refund of the Transfer Amount where:
(a) a Money Transfer has failed due to a third-party’s failure or error outside of our control (for example due to the Nominated Recipient’s bank);
(b) you have inserted the incorrect details for the Nominated Recipient; and/or
(c) where you are in breach of these Terms.
7.3 You may be eligible for a refund where: the Money Transfer has failed due to issues with our Platform; or for any other reason within our reasonable control.
7.4 Where you are entitled to a refund under this clause 7, you agree to initiate a refund request via the Platform or by submitting a customer support ticket within 7 days of the initiation of the Money Transfer, providing us with all relevant transaction details and the reason for the request.
7.5 We shall review your refund request and respond within 10 business days. If approved, the refund shall be processed within 14 days of approval. Refunds will be credited back to your Wallet.
7.6 Where you are unhappy with the outcome of any refund request, you may escalate your complaint as per our Complaints Policy, available at https://wapa.money/complaints_policy.html.
8 Withdrawing Your Funds
8.1 You may request to withdraw any of Your Funds in your Wallet, which are not the subject of any pending Money Transfer, through your Account in the Platform.
8.2 We do not charge you a fee for withdrawing any of Your Funds from your Wallet.
8.3 You must provide us with the details of your bank account to which you would like Your Funds to be transferred (Customer Bank Account). The Customer Bank Account, including the account holder of the Customer Bank Account, must match your Account details. We may impose other restrictions on eligible Customer Bank Accounts, as set out on the Platform.
8.4 You are solely responsible for providing us with the correct details of the Customer Bank Account, and we are not liable to you for any loss of funds as a result of you providing us with incorrect Customer Bank Account details.
8.5 Any transfer of Your Funds to the Customer Bank Account will be in the currency set out on the Platform.
8.6 Subject to any regulatory requirements, we will perform the withdrawal within a reasonable time of your confirmation withdrawal in the Platform. We do not guarantee any specific timeframe for which the Customer Bank Account will receive the funds which are the subject of the withdrawal, and you acknowledge and agree that we cannot control, and are not liable for, the actions of any third party banking or finance institution involved in the withdrawal.
8.7 We may refuse to perform the withdrawal for any reason, including where we suspect any fraudulent activity associated with the withdrawal, the Customer Bank Account or your Account.
8.8 We are not liable for any fees which the Customer Bank Account’s banking or finance institution may charge to receive the funds which are the subject of the withdrawal.
9 Taxes
You are responsible for paying any levies or taxes associated with your use of our Services, for example sales taxes, value-added taxes or withholding taxes (unless we are required by law to collect these on your behalf).
10 Platform Licence
10.1 While you have an Account, we grant you a right to use our Platform (which may be suspended or revoked in accordance with these Terms). This right cannot be passed on or transferred to any other person.
10.2 You must not:
(a) access or use our Platform in any way that is improper or breaches any laws, infringes any person's rights (for example, intellectual property rights and privacy rights), or gives rise to any civil or criminal liability;
(b) access or use our Platform to commit any act of fraud, to distribute any virus, to represent that we (or our service provider partners) endorse any product, business or service;
(c) interfere with or interrupt the supply of our Platform (or that of our service provider partners), or any other person’s access to or use of our Platform;
(d) introduce any viruses or other malicious software code into our Platform;
(e) use any unauthorised or modified version of our Platform, including but not limited to for the purpose of building similar or competitive software or for the purpose of obtaining unauthorised access to our Platform;
(f) attempt to access any data or log into any server or account that you are not expressly authorised to access;
(g) use our Platform in any way that involves service bureau use, outsourcing, renting, reselling, sublicensing, concurrent use of a single user login, or time-sharing;
(h) attempt to circumvent user authentication or security of any of our platform, networks, accounts or hosts or those of any third party;
(i) access or use our Platform to transmit, publish or communicate material that is, defamatory, offensive, abusive, indecent, menacing, harassing or unwanted (including unsolicited advertising, spam or phishing); or
(j) attempt to decompile our software or gain unauthorised access to or re-distribution of, the source code of our Platform and website, and system partners.
11 Availability, Disruption and Downtime
11.1 While we strive to always make our Services available to you, we do not make any guarantees that these will be available 100% of the time. Our Services may be disrupted during certain periods, including, for example, as a result of scheduled or emergency maintenance.
11.2 Our Services (including our Platform) may interact with, or be reliant on, products or services provided by third parties, such as cloud hosting, banking, verification, transaction monitoring service providers. To the maximum extent permitted by law, we are not liable for disruptions or downtime caused or contributed to by these third parties.
11.3 We will try to provide you with reasonable notice, where possible, of any disruptions to your access to our Services.
12 Intellectual Property and Data
12.1 You acknowledge and agree that any Intellectual Property or content (including copyright and trademarks) available on the Platform, the Platform itself (including how it looks and functions), our source code and system design, any algorithms or machine learning models used on the Platform, as well as our copyrighted works, trademarks, inventions, designs and other intellectual property (Our Intellectual Property) will at all times vest, or remain vested, in us.
12.2 We authorise you to use Our Intellectual Property solely for your personal use. You must not exploit Our Intellectual Property for any other purpose, nor allow, aid or facilitate such use by any third party. You must not use Our Intellectual Property for any commercial purpose.
12.3 You must not, without our prior written consent:
(a) copy, in whole or in part, any of Our Intellectual Property;
(b) reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate any of Our Intellectual Property to any third party; or
(c) breach any intellectual property rights connected with the Platform, including (without limitation) altering or modifying any of Our Intellectual Property, causing any of Our Intellectual Property to be framed or embedded in another website, or creating derivative works from any of Our Intellectual Property.
Your Data
12.4 You own all data, information, personal data, or content you upload into the Platform (Your Data), as well as any data or information output from the Platform using Your Data as input (Output Data). Note that Output Data does not include the Analytics (as described below).
12.5 You grant us a limited licence to copy, transmit, store, backup and/or otherwise access or use Your Data and the Output Data to:
(a) communicate with you;
(b) supply the Platform to you and otherwise perform our obligations under these Terms;
(c) diagnose problems with the Platform;
(d) enhance and otherwise modify the Platform;
(e) comply with our regulatory obligations;
(f)perform Analytics;
(g) develop other services, provided we de-identify Your Data; and
(h) as reasonably required to perform our obligations under these Terms.
12.6 You agree that you are solely responsible for all of Your Data that you make available on or through the Platform. You represent and warrant that:
(a) you are either the sole and exclusive owner of Your Data or you have all rights, licences, consents and releases that are necessary to grant to us the rights in Your Data (as contemplated by these Terms); and
(b) neither Your Data nor the posting, uploading, publication, submission or transmission of Your Data or our use of Your Data on, through or by means of our Platform will infringe, misappropriate or violate a third party’s intellectual property rights, or rights of publicity or privacy, or result in the violation of any applicable law or regulation.
12.7 You acknowledge and agree that we may monitor, analyse and compile statistical and performance information based on and/or related to your use of the Platform, in an aggregated and anonymised format (Analytics). You acknowledge and agree that we own all rights in the Analytics, and that we may use the Analytics for our own business purposes, provided that the Analytics do not contain any identifying information.
12.8 We do not endorse or approve, and are not responsible for, any of Your Data.
12.9 You are responsible for (meaning we are not liable for) the integrity of Your Data on your systems, networks or any device controlled by you.
12.10 You acknowledge and agree that the Platform and the integrity and accuracy of the Output Data is reliant on the accuracy and completeness of Your Data, and the provision by you of Your Data that is inaccurate or incomplete may affect the use, output and operation of the Platform.
12.11 This clause will survive the termination or expiry of these Terms.
13 Your Warranties
13.1 You represent, warrant and agree that:
(a) you will not use our Platform, including Our Intellectual Property, in any way that competes with our business;
(b) there are no legal restrictions preventing you from entering into these Terms;
(c) all information and documentation that you provide to us in connection with these Terms is true, correct and complete;
(d) you have not relied on any representations or warranties made by us in relation to the Platform (including as to whether the Platform is or will be fit or suitable for your particular purposes), unless expressly stipulated in these Terms; and
(e) Your Data which you upload to the Platform will be submitted lawfully, free from any virus, factually accurate, not defamatory, not obscene, vulgar, sexually explicit, discrimatory or deceptive, not abusive, threatening or invasive of a third party’s privacy, not containing any material which is or may be suspected to be terrorist in nature, not of a nature that any courts, regulators, law enforcement authorities or other governmental authorities may order be blocked, deleted, suspended or removed, and unlikely to cause offence, including to someone’s religious sentiments.
14 Limitations on and Exclusions to our Liability
14.1 The restrictions on liability in this clause 14 apply to every liability arising under or in connection with these Terms including liability in statute, contract, equity, tort (including negligence), misrepresentation, restitution, indemnity or otherwise.
14.2 Nothing in these Terms limits any Liability which cannot legally be limited, including Liability for:
(a) death or personal injury caused by negligence;
(b) fraud or fraudulent misrepresentation; and
(c) defective products under the Consumer Protection Act 1987.
14.3 This clause 14.3 applies to the extent that the Platform is considered digital content. If the Platform is defective and it damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation.
14.4 To the maximum extent permitted by law, we shall have no Liability for any Third-Party Products or Services, or any unavailability of the Platform due to a failure of the Third Party Products or Services.
14.5 Subject to clauses 14.3 (damage caused by defective digital content) and 14.2 (liability which cannot legally be limited), but despite anything to the contrary, to the maximum extent permitted by law:
(a) you agree to indemnify us for any Liability we incur due to your breach of clause 4.5 we only supply the Platform to consumers for domestic and private use. If you use the Platform for any commercial, business or re-sale purpose we will have no liability to you for liability involving any loss of profit, loss of business, business interruption, or loss of business opportunity;
(b) where you are using the Platform as a consumer, and either Party fails to comply with these Terms, neither Party will be responsible for any losses that the other Party suffers as a result, except for those losses which are a foreseeable consequence of the failure to comply with these Terms; and
(c) a party’s liability for any liability under these Terms will be reduced proportionately to the extent the relevant liability was caused or contributed to by the acts or omissions of the other party, including any failure by that other party to mitigate its loss (including where you fail to inform us of any security issues with your Account, including where you suspect unathorised access to your Account).
14.6 This clause will survive the termination or expiry of these Terms.
15 Termination
15.1 Cancellation: You may request to close your Account at any time by notifying us via the ‘delete my Account’ feature in your Account. Once you have requested to close your Account, you will be prompted to withdraw any of Your Funds which are remaining in your Wallet. Once Your Funds have been remitted to your Customer Bank Account (in accordance with the process set out in clause 7), we will close your Account.
15.2 We may terminate these Terms (meaning you will lose access to our Services, including access to your Account) at any time (in our sole discretion), including where:
(a) you breach these Terms and do not remedy that breach within 14 days of us notifying you of that breach;
(b) you breach these Terms and that breach cannot be remedied; or
(c) you experience an insolvency event (including but not limited to bankruptcy, receivership, voluntary administration, liquidation, or entering into creditors’ schemes of arrangement).
15.3 Should we suspect that you are in breach of these Terms, we may suspend your access to the Platform while we investigate the suspected breach.
15.4 We may suspend your access to the Services where required by law, by court or governmental or regulatory order, or where directed to by our service provider partners.
15.5 Upon expiry or termination of the Services, we will retain Your Data (including copies) as required by law or regulatory requirements.
15.6 Termination of the Services will not affect any rights or liabilities that a Party has accrued under these Terms.
15.7 This clause will survive the termination or expiry of these Terms.
16 Complaints and Disputes
16.1 If you have a complaint or dispute relating to the Services, you should follow the complaints process set out in Wapa Money's Complaints Policy, which is available at https://wapa.money/complaints_policy.html.
16.2 The Complaints Policy explains how to submit a complaint, the information you must provide, and the timelines and process Wapa Money will follow in investigating and seeking to resolve your complaint.
16.3 If your complaint cannot be resolved through Wapa Money's internal complaints process, the Complaints Policy also sets out options for alternative dispute resolution, which may include mediation, arbitration or referring certain matters to an ombudsman service or other external dispute resolution body.
16.4 You agree to first attempt to resolve any disputes through Wapa Money's internal complaints process before pursuing alternative dispute resolution or legal action. However, this requirement does not prevent you from taking interim protective measures if necessary.
17 Notice Regarding Apple
17.1 To the extent that you are using or accessing our Platform on an iOS device, you further acknowledge and agree to the terms of this clause. You acknowledge that these Terms is between you and us only, not with Apple Inc. (Apple), and Apple is not responsible for the Platform and any content available on the Platform.
17.2 Apple has no obligation to furnish you with any maintenance and support services with respect to our Platform.
17.3 If our mobile application fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price of the mobile application to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the mobile application and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be our responsibility.
17.4 Apple is not responsible for addressing any claims by you or any third party relating to our mobile application or your use of our mobile application, including but not limited to: (1) product liability claims; (2) any claim that our mobile application fails to conform to any applicable legal or regulatory requirement; and (3) claims arising under consumer protection or similar legislation.
17.5 Apple is not responsible for the investigation, defence, settlement and discharge of any third-party claim that our mobile application infringes that third party’s intellectual property rights.
17.6 You agree to comply with any applicable third-party terms when using our mobile application.
17.7 Apple and Apple subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary of these Terms.
17.8 You hereby represent and warrant that: (1) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (2) you are not listed on any U.S. Government list of prohibited or restricted parties.
18 General
18.1 Assignment: Subject to the below clause, a Party must not assign or deal with the whole or any part of its rights or obligations under these Terms without the prior written consent of the other Party (such consent is not to be unreasonably withheld).
18.2 Assignment of Debt: You agree that we may assign or transfer any debt owed by you to us, arising under or in connection with these Terms, to a debt collector, debt collection agency, or other third party.
18.3 Contracts (Rights of Third Parties) Act 1999: Notwithstanding any other provision of these Terms, nothing in these Terms confers or is intended to confer any right to enforce any of its terms on any person who is not a party to it.
18.4 Force Majeure: To the maximum extent permitted by law, we shall have no Liability for any event or circumstance outside of our reasonable control.
18.5 Marketing: You agree that we may send you electronic communications about our products and services. You may opt-out at any time by using the unsubscribe function in our electronic communications
18.6 Governing law: These Terms are governed by the laws of England and Wales. Each Party irrevocably and unconditionally submits to the exclusive jurisdiction of the courts operating in England and Wales and any courts entitled to hear appeals from those courts and waives any right to object to proceedings being brought in those courts. The Platform may be accessed in the UK and overseas. We make no representation that the Platform complies with the laws (including intellectual property laws) of any country outside of the UK. If you access the Platform from outside the UK, you do so at your own risk and are responsible for complying with the laws in the place you access the Platform. The United Nations Convention of Contracts for the International Sale of Goods is expressly excluded from these Terms.
18.7 Notices: Any notice given under these Terms must be in writing addressed to us at the details set out below or to you at the details provided in your Account. Any notice may be sent by standard post or email, and will be deemed to have been served on the expiry of 48 hours in the case of post, or at the time of transmission in the case of transmission by email.
18.8 Privacy: All personal data you provide to us will be treated in accordance with our privacy policy. You can find our privacy policy at https://wapa.money/privacy_policy.html. Our Platform is supported by our partner, Integrated Finance. You acknowledge and agree that you have read the Integrated Finance Privacy Policy, available at https://integrated.finance/privacy-policy (as updated from time to time).
18.9 Severance: If a provision of these Terms is held to be void, invalid, illegal or unenforceable, that provision is to be read down as narrowly as necessary to allow it to be valid or enforceable, failing which, that provision (or that part of that provision) will be severed from these Terms without affecting the validity or enforceability of the remainder of that provision or the other provisions in these Terms.
18.10 Third party sites: The Platform may contain links to websites operated by third parties. Unless we tell you otherwise, we do not control, endorse or approve, and are not responsible for, the content on those websites. We recommend that you make your own investigations with respect to the suitability of those websites. If you purchase goods or services from a third-party website linked from the Platform, such third party provides the goods and services to you, not us. We may receive a benefit (which may include a referral fee or a commission) should you visit certain third-party websites via a link on the Platform (Affiliate Link) or for featuring certain products or services on the Platform. We will make it clear by notice to you which (if any) products or services we receive a benefit to feature on the Platform, or which (if any) third party links are Affiliate Links.
19 Definitions
Applicable Data Protection Law means the laws and regulations applicable to the processing of Personal Data by the Parties in connection with the Terms, including the Data Protection Act 2018.
Consumer Laws means any laws applying to you as a consumer, including the Consumer Rights Act 2015 and The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.
Intellectual Property means any copyright, registered or unregistered designs, patents or trade marks, business names, get-up, goodwill, domain names, know-how, inventions, processes, trade secrets or confidential information, circuit layouts, software, computer programs, databases or source codes, including any application for registration of, and any improvements, enhancements or modifications of, the foregoing, and any right to apply for and be granted, renewals or extensions of, and rights to claim priority from, such rights and all similar or equivalent rights or forms of protection which subsist or will subsist now or in the future, including in respect of the foregoing.
Liability means any expense, cost, liability, loss, damage, claim, notice, entitlement, investigation, demand, proceeding or judgment (whether under statute, contract, equity, tort (including negligence), misrepresentation, restitution, indemnity or otherwise), howsoever arising, whether direct or indirect and/or whether present, unascertained, future or contingent and whether involving a third party or a party to these Terms or otherwise.
Money Transfer means the transfer of Your Funds to a Nominated Recipient, using our Services.
Wallet means the pool of funds you have paid into Platform, and which are available for the Money Transfer Services.