WELCOME TO INTERGRITY

The right channel to send money from U.K. to Ghana

Administrations

IT IS IMPORTANT FOR YOU TO READ AND UNDERSTAND OUR TERMS AND CONDITIONS BEFORE YOU ACCEPT THEM. THEY CONTAIN LIMITATIONS ON THE SCOPE OF OUR OBLIGATIONS TO YOU, AS WELL AS LIMITATIONS AND EXEMPTIONS FROM OUR LIABILITY TO YOU FOR DAMAGE THAT YOU MAY SUFFER AS THE RESULT OF AN INTERGRITY ADMINISTRATIONS ONLINE MONEY TRANSFER. THE RESPECTIVE PROVISIONS ARE HIGHLIGHTED IN BOLD.

Our Terms and Conditions utilize the accompanying definitions:

a. "Bank Card" represent a Visa® or MasterCard® Visa, or a check card .
b. "Business Day" represents a day that isn't a Saturday or Sunday and on which banks are open for general business across the globe;
c. "Card Issuer" represents to the backer and the proprietor of a Bank Card;
d. "Installment Method" represents to the choices accessible to the Sender to subsidize a cash exchange through the Intergrity services Online Service, which may differ from nation to nation and may incorporate bankcard, ledger and other installment strategies.
e. "Denied Purpose" represents to any unlawful reason; including yet not restricted to, making or getting installments for betting administrations, betting chips or betting credits; or to sending an installment to yourself as the Receiver with a specific end goal to prove budgetary soundness (RISK OF FRAUD); or making in excess of one profiles; or sending or accepting cash in the interest of another person.
f. "Collector" represents to the individual named as the recipient of the cash exchange (in any case with respect to whether this exchange was started by a Sender by means of the Intergrity services Online Service or by a man through another Intergrity services administrations Money Transfer benefit);
g. "Sender" represents to the individual who started a cash exchange through the Intergrity service Online Service;
h. "Exchange" represents to each cash exchange that You start through the Intergrity services Online Service;
I. "Intergrity services", "We", "Our" or "Us" represents to Intergrity services International, United Kingdom
j. "Intergrity services Online Service" represents to cash exchange administrations which we give through the trustworthiness administrations Website or the Intergrity administrations Mobile Application;
k. " Intergrity services Website" or "Site" represents to the Website which We work so as to give cash exchange benefits and to the Intergrity administrations Mobile Application; and
l. "You", "Yours" or "Your" represents to each and any individual utilizing the Intergrity administrations Website as a Sender.

1. ABOUT US

1.1. The Intergrity services® Online Service is offered by Intergrity services International U.K. Address: 88 high road Leyton, London, E15 2BP, Email address: admin@Intergrityservices.co.uk, Phone: +442089880002,
Under the Companies Registration Office Number 256187t. Its Data Processing Registration Number is 2111221. Intergrity administrations International Limited is a UK organization, with enrolled workplaces at 88 high road Leyton, London, E15 2BP
1.2. Clients may get data about the addresses and hours of task of the specialists and neighborhood agents by calling this
phone number: [+442089880002], or by sending an email to admin@Intergrityservices.co.uk/

2. OUR SERVICES

2.1. Intergrity administrations Online Service offers cash exchange benefits broadly and globally. You should be no less than 18 years of age to utilize the Intergrity services Online Service and You should have your ongoing habitation in the United Kingdom. Every cash exchange is given an individual exchange number, the Money Transfer Control Number or "MTCN".
2.2. By finishing and consenting to the data required to profit exchange and by tolerating these Terms and Conditions, the Sender educates INTERGRITY SERVICES to execute a particular cash exchange. Each individual cash arrange constitutes a different understanding amongst Intergrity services and the Sender which is constrained by the execution of a particular cash exchange. At no minute in time is a structure assertion finished up amongst yourself and Us which commits Us to execute individual and resulting cash exchanges. The Sender should educate the Receiver of the cash exchange as needs be.
2.3. Subject to statutory or administrative prerequisites, we attempt to make stores accessible for accumulation by the Receiver at the most recent toward the finish of such Business Day following the Business Day on which the assets were gotten ("Day of Receipt"). The snapshot of receipt is such minute when we get the assets to be exchanged and the charges related with the said exchange. For cash moves educated in paper shape, the period stretches out by a further Business Day.
2.4. For cash exchanged (I) to a state outside the EEA or (ii) subject to a various money change between the Euro and a non-Euro cash of a part condition of the European Union or an EEA part state or (iii) which isn't to be paid out in Euro, the assets are made accessible for accumulation by the Receiver at the most recent toward the finish of the fourth Business Day after the Day of Receipt.
2.5. For consistent cash exchanges, the assets are typically accessible for accumulation inside a couple of minutes, subject to the business hours of the separate specialist area. For a few nations, the administration might be deferred or different limitations may apply. In the event that you require additional data, please contact the phone number expressed in Item 1.2 of these Terms and Conditions.
2.6. The applicable law forbids cash transmitters from working with specific people or nations; Intergrity services are required to screen all Transactions against arrangements of names gave by the legislatures of the nations and domains in which We work together, including the United Kingdom Treasury Departments and the European Union. On the off chance that a potential match is distinguished, Intergrity services administrations inquiries about the Transaction to decide whether the name coordinated is for sure the person on the applicable rundown. For this reason, Intergrity services administrations is qualified for ask for from the Sender or the assigned Receiver extra points of interest and verification of recognizable proof which may make the Transaction to be postponed. This is a legitimate necessity for all Transactions handled by Intergrity service (counting exchanges that begin and end outside of the UK).
2.8. Transfer Fees: Written information explaining how Intergrity services charges the Sender for making a money transfer is available on the transactional Intergrity services Website and is shown to the Sender prior to completion of the payment order. The specific transfer fees for a money transaction are indicated in the “Send Money Online” field at www.Intergrityservices.co.uk . Simply select your destination country, enter the amount to be transferred and click on “Calculate”. The Sender shall bear all fees due to complete the money transfer unless applicable law in the destination country requires otherwise. In certain cases money transfer payments may be subject to local taxes and service charges. The Receiver may incur additional fees for receiving the Sender’s funds through an account-based money transfer, a mobile telephone or to a bank account. Money transfers should be sent to a local (Receiver’s) currency account, otherwise the receiving institution (where the Receiver has his or her account) may convert the funds at its own exchange rate or may even reject the money transfer. The Receiver’s agreement with his or her mobile phone service provider, mWallet account provider or other account provider governs the account and determines their rights, obligations, applicable fees, funds availability and account limitations. In the event of an inconsistency between the holder of the account number (including mobile phone numbers for mobile phone accounts) and the name of the intended Receiver, the transfer will be credited to the account number provided by the Sender. Intergrity services may charge additional fees associated with the use of an account for sending or receiving a money transfer. Intergrity services does not assume any liability pertaining to costs which the Sender or any account holder incur in conjunction with the exchange rate used for the conversion into non-local currencies or for actions or omissions on behalf of the destination or interim financial services provider.
2.9. Foreign exchange
a. Money transfer payments will normally be made in the currency of the destination country (in some countries payment is available only in an alternative currency). All currency is converted at Intergrity services’ then current rate of exchange. Intergrity services calculate its rate of exchange based on commercially available interbank rates plus a margin. Most exchange rates are adjusted several times daily in line with the relevant closing rates of global financial markets. The exchange rate for a money transfer is indicated to you at www.Intergrityservices.co.uk after selecting the destination country in the “Send Money Online” field, entering the amount that you intend to transfer and clicking on “Calculate”.
b. The currency will be converted at the time of the transfer and the Receiver will receive the foreign currency amount shown during the transfer process. However, in some countries, local regulations require money transfers to be converted only when they are paid out. If the Sender is sending the funds to one of these countries, the exchange rate noted above is only an estimate, and the actual exchange rate will be determined at the time of payment. Intergrity services agents may offer Receivers the choice to receive funds in a currency different from the one the Sender selected. In such instances, Intergrity services (or its agents, the mobile phone provider, or account provider) may collect additional money when they convert the Sender’s funds into the currency selected by the Receiver. If the Sender chooses a payment currency different from the national currency of the destination country, the payment currency chosen may not be available at all payment locations in that country, or may not be available in small enough denominations to pay all of the money transfer. In such cases, the paying agent may pay all or part of the Sender’s money transfer in national currency. Intergrity services’ exchange rate may be less favorable than some publicly reported commercial exchange rates used in transactions between banks or other financial institutions. Any difference between the currency exchange rate offered to customers and the currency exchange rate received by Intergrity services will be kept by Intergrity services (and, in some instances, its agents, mobile phone provider, or account provider) in addition to the transfer fees. Additional information about exchange rates for specific destination countries can be obtained by calling the toll-free telephone number listed below or from Our Website.
2.10. SMS – Intergrity services may offer free SMS notification in some countries to indicate (to the Sender) that the transferred funds have been collected by the Receiver or that funds are available for collection (to the Receiver). Charges applied by the telephone service provider are the exclusive responsibility of the Sender or Receiver. Intergrity services are not responsible for any charges associated with SMS messages. If permitted by applicable law, the SMS will be sent to the Sender's and/or the Receiver's mobile number provided at the time of the transaction. Intergrity services will send SMS messages to a gateway for forwarding, however, forwarding is the responsibility of third parties, and cannot be guaranteed. Intergrity services are not responsible for technical malfunctions that occur outside of its proprietary systems.

3. OUR RESPONSIBILITY TO YOU.

3.1. We declare our willingness to provide to you the money transfer services and the respective information in accordance with these Terms and Conditions in the form of individual payments and to exercise reasonable care.
3.2. We are not obliged to accept any instruction to execute any Transaction and we will not be liable in any way for declining any such instruction or for withdrawing, terminating or restricting our services to you in any way. These Terms and Conditions shall, however, apply to any instruction which we choose to accept.
3.3. We do not assume any liability for:
a. goods or services which You pay for using the Intergrity services Online Service, and here, in particular, their delivery;
b. malfunctions in communication facilities over which We have no control;
c. the loss of data or the delay in transmissions caused by using an Internet service provider or a browser or other software over which We have no control;
d. the services provided by Your Card Issuer;
e. viruses originating from third parties;
f. errors on the Intergrity services Site or with the Intergrity services Online Service that are the result of incomplete or wrong information that You or a third party provided;
g. the unauthorized use or interception of information prior to reaching the Website; or
h. the unauthorized use of or unauthorized access to data in conjunction with Yourself or Your Transactions which We process unless such use or such access is the result of negligence on Our behalf.
3.4. Notwithstanding any prior agreement to initiate a money transfer, we are under no obligation towards You to initiate or execute a money transfer if:
a. We are unable to obtain sufficient evidence of your identity;
b. We have reason to believe that the Transaction information is incorrect, unauthorized or forged;
c. You have provided Us with wrong or incomplete information or We do not receive Your Transaction information in a timely manner in order to guarantee the timely execution of the requested money transfer; or
d. Your Card Issuer does not authorize the use of Your Bank Card to pay for the Transaction and Our fees.
We do not assume any liability for damages caused from the non-payment or late payment of a money transfer to a Receiver subject to our liability pursuant to Item 8 or if the Intergrity services Online Service fails to execute a Transaction by reason of any of these matters.
3.5. We have the right to refuse to provide the Intergrity services Online Service to You either partially or in full if such use constitutes a violation against Intergrity services regulations (incl. regulations aimed at preventing fraud, money laundering or financing terrorism) and/or against applicable law, a court order or requirements of a regulatory or government authority or any other body having jurisdiction over us or, if We consider such a step necessary to protect Our own interests. If we refused to provide the Intergrity services Online Service (partially or in full) to you for any of the above reasons, we will notify you accordingly if possible and give reasons for our refusal unless we are prevented from doing so for legal reasons.
3.6. We are entitled to either partially or fully cease operating the Intergrity services Website or the Intergrity services Online Service if circumstances that are beyond our control compel us to take such action and which we, therefore, consider appropriate ("Events outside Our Control”). If the services provided on the Intergrity services Website or by the Intergrity services Online Service should be interrupted for whatever reason (whether by Us, a third-party provider or in any other manner), We shall take adequate measures to keep the duration of this interruption as short as possible.
3.7. Our communication with you is normally conducted via the Internet and by e-mail. However, this has no effect on your right to contact us in any other form (see clause 1.2 above) if circumstances require this.

4. YOUR RESPONSIBILITY TOWARDS US

4.1. You declare that you will pay to us our fees (see also Item 2.6 above) for every money transfer which you initiate via the Intergrity services Online Service.
4.2. You must settle the basic amount of a money transfer plus our fees with a Bank Card or from your bank account (insofar as WUIB permits an account-based money transfer). You consent to the basic amount of the money transfer plus our fees for the respective Transaction being cleared by Your Card Issuer, or that this amount is transferred from your bank account to us, prior to us executing the transfer or any other Transaction. Prior to the final authorization of the Transaction, you will be notified of the precise amount which we will clear with Your Card Issuer or which we will debit from your bank account.
4.3. You consent to and acknowledge the following:
a. The information provided in order to effect an online money transfer is true, accurate, current and complete;
b. You must share the Transaction data (amount of money, your name, your country, the name of Receiver and MTCN) with the Receiver only. You are obligated to ensure that no third party can gain unauthorized access to this information. We recommend that you transfer money only to beneficiaries that you know personally;
c. You shall not use the Intergrity services Online Service for illegal purposes;
d. You shall not use the Intergrity services Online Service for Prohibited Purposes.
e. Within the framework of the Intergrity services Online Service You will not request money transfers which violate these Terms and Conditions or any other restrictions of use or terms of use as set forth on the Intergrity services Website; and
f. You are personally responsible for keeping your password and your username safe, pursuant to Clause 6 below.
4.4. You consent to and acknowledge that we must make reasonable efforts to verify your identity. If you use our mobile services or platforms, we may ask your mobile provider to help us verify your identity. YOU AUTHORIZE US TO REQUEST YOUR MOBILE CARRIER TO USE YOUR MOBILE SUBSCRIBER DETAILS FOR VERIFYING YOUR IDENTITY. Information provided to the mobile carrier may include name, address, email, phone number, and location information if available.
4.5. In the event of loss, theft, copy, misuse, or unauthorized use of the Transaction data (see above Item 4.3.b), where you believe We may have performed a Transaction you did not authorize Us to perform, or where You believe We may have failed to perform or incorrectly perform a Transaction, You must call 0 808 234 9168 or +32-(0)2 639 7103 and notify Us immediately upon becoming aware of such events. We will then investigate the matter.
4.6. You consent to and acknowledge that we may forward any particulars about you and about the services that we provided to You if necessary to regulatory or government authorities or their bodies if:
a. we are obligated by law to do so; or
b. we are of the opinion that such a disclosure may assist in the prevention of fraud, money laundering or other crimes.

5. CUSTOMER SERVICE

If you detect errors or encounter problems on the Intergrity services Website or with the Intergrity services Online Service, please contact us by e-mail or by telephone (for contact information see Item 1.2) or write to us at:
Intergrity services, the United Kingdom
88 high road Leyton, London, E15 2BP,
Email address: admin@Intergrityservices.co.uk,
Phone: +442089880002,

6. PASSWORD AND SECURITY

Prior to the first money transfer order, you will be asked to provide a password and a valid e-mail address as your username. The password and the username must not be used by any other person than yourself. It is your responsibility to keep your password and your username safe as well as all Transactions carried out using your password or your username. NEVER SHARE YOUR PASSWORD WITH ANYBODY AND DO NOT WRITE IT DOWN ANYWHERE! You consent to notify us immediately of any unauthorized use of your password or of your username or of any other breach of security, by telephone at 0808 234 9168 or +32 (0) 2 639 7103. Once you have informed us of the unauthorized use of your password or your username we will immediately take all the necessary steps to prevent any further use of this information. We will inform you of such steps promptly after having taken them and give the reasons for such steps unless we are prevented from doing so for legal reasons. Prompting these steps does not make us liable for any loss or damage that are the result of your failure to comply with your duty in accordance with this paragraph. However, you might be entitled to the reimbursement or credit of a certain amount from Your Card Issuer if Your Bank Card or Your bank account were used in a fraudulent manner.

7. DISCLOSING INFORMATION TO THIRD PARTIES.

7.1. Intergrity services will use and process your personal information as described in Our Privacy Statement and you explicitly consent thereto. Click here for Our Privacy Statement. We are entitled to amend Our Privacy Statement at any time.
7.2. This statement constitutes an express waiver with regard to banking secrecy pursuant to Section 38 of the Austrian Banking Act. This consent and the consent can be revoked any time in writing by letter sent to the WUIB address stated under Item 1.1 or by e-mail to the e-mail address stated under Item 1.2.
7.3. We reserve the right to verify the details that you provided. Intergrity services obtains credit ratings on the basis of mathematical-statistical processed data from service providers commissioned by us, in order to verify customer information, except credit information. You may revoke this consent at any time.

8. LIABILITY

A.Unauthorized Transactions
8.1. We may be liable to you where we perform a Transaction for you that you did not authorize us to perform. Save to the extent You are not liable under Item 8.2 or 8.3 for a Transaction not authorized by You, We will refund the Transaction amount to You promptly, but at the latest by the end of the Business Day following the day on which We were notified the Transaction concerned has not been authorized or otherwise became aware of the unauthorized Transaction. We shall also have no claim against you for reimbursement of our expenses. If we suspect that there has been fraudulent activity by You, Our obligation to refund you will be suspended, pending further investigation, and such investigation will be undertaken promptly.
8.2. You may be liable up to the maximum amount of EUR 50 for losses that:
a. result from unauthorized Transactions resulting from the use of lost, stolen or otherwise missing Transaction data (see above Item 4.3.b); or
b. the result of Your misuse of Transaction data.
8.3. We will not hold you liable under Item 8.2 if it was not possible for you to detect such loss, theft or misuse of the Transaction data or if the loss of the Transaction data was caused by an employee or vicarious agent acting on our behalf, one of our branches or another external service provider we have appointed.
8.4. Your liability for losses arising from an unauthorized Transaction shall not be limited to a maximum amount of EUR 50 as set out in Item 8.2 if you acted with fraudulent intent or contributed to the misuse of Transaction data intentionally or through grossly negligent conduct. In these cases, you are liable for all losses caused by any unauthorized Transaction. Gross negligence, in particular, includes but is not limited to cases in which you do not promptly notify us about a loss of Transaction data or if you do not keep Transaction data safe or if you disclose it to third parties.
8.5. Unless you acted with fraudulent intent, you are not liable to us:
a. for losses resulting from an unauthorized use of Transaction data that arise after receipt by Us of a notification under Item 4.4; or
b. if We did not ensure that Our contact facilities were available to You for the purposes of making a notification under Item 4.4.
B. Incorrectly executed or non-executed Transactions
8.6. We may be liable to you where we fail to perform or incorrectly perform a Transaction that you authorize us to perform unless it was due to your fault. This means that in the event of a non-executed or incorrectly executed Transaction we will refund the Transaction amount to you (to the extent the Transaction was not executed or it was incorrectly executed). You are entitled to claim a refund of all fees and interest to the extent they have been charged or incurred in connection with an unexecuted or incorrectly executed Transaction.
8.7. To the extent, fees have been charged to an unexecuted or incorrectly executed Transaction by Us or an intermediary agency and the fees have been deducted from the amount to be received from the Receiver under such Transaction, We will immediately transfer to the Receiver such amounts charged in respect of such fees.
8.8. Any liability we would otherwise owe to you under Item 8.6 is excluded if:
(a) We are able to show the Transaction amount was received at the appropriate time by the payment service provider of the Receiver; or
(b) For the purposes of Item 8.6, a Transaction shall be deemed to be correctly executed if we are able to show the Transaction has been executed in accordance with Transaction information You provided to Us. If you have provided us with incorrect details for executing the Transaction, You may ask Us to assist You in recovering the money. We cannot guarantee such efforts will be successful. We reserve the right to charge You a fee to cover Our reasonable costs for doing this.
C. Exclusion of liability
8.9. Any liability We would otherwise owe to You under Item 8.1 or 8.6 is excluded if you do not let us know about an unauthorized or incorrectly executed Transaction within 13 months after the date of execution of the Transaction.
8.10. We will also have no liability under Item 8 if we fail to perform or incorrectly perform the Transaction where the reason for this was due to Events Outside Our Control or Our statutory obligations.
8.11. We will not owe you any liability if the unauthorized or incorrectly executed transaction is carried out by a third party or between third parties you have instructed before we receive your payment for the transfer or any other Transaction. You should contact the relevant third party promptly and inform them of the circumstances of the unauthorized or incorrectly executed transaction.
8.12. We do not assume liability for damage that is due to an unusual and unforeseeable events over which Intergrity services have no control and whose consequences, in spite of exercising due care, Intergrity services could not have avoided (caused, for example by Events Outside Our Control, failure of telecommunication lines, civil unrest, war or other events such as industrial action or lockouts over which We have no control). This applies equally to cases in which Intergrity services is bound by any orders under Community legislation, national, court or administrative orders stating otherwise.
8.13. 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; for fraud or fraudulent misrepresentation; or for breach of Your legal rights where it would be unlawful to exclude or limit such legal rights in relation to the Intergrity services Online Service.

9. INTELLECTUAL PROPERTY

The Intergrity services Website and the Intergrity services Online Service, their content and all intellectual property pertaining thereto and contained therein (including copyrights, patents, database rights, trademarks and service marks) are the property of Intergrity services, of Intergrity services affiliates or of third parties. All rights to the Intergrity services Website and the Intergrity services Online Service remain our property and/or the property of the third party. The Intergrity services Website and the Intergrity services Online Service must be used only for the purposes permitted by these Terms and Conditions or as described on the Website. You are exclusively entitled to display and save a copy of the pages of the Intergrity services Website for Your personal use. Without Our express written approval You are not entitled to duplicate, publish or modify the Intergrity services Website, the Intergrity services Online Service or parts thereof, or to create derivative works from the same, to participate in their assignment or sale, to publish them in the World Wide Web or use them in any other form for any public or commercial purpose. You are not entitled: (a) to use a robot, spider, scraper or any other automated program to access the Intergrity services Website or the Intergrity services Online Service, and/or (b) remove or modify information related to copyrights and trademarks or proprietary information published on the Intergrity services Website (or printed pages of the Website). The name Intergrity services and all other names, as well as proprietary designations of Intergrity services products and/or services named on the Intergrity services Website, are exclusive brands of Intergrity services or of other third parties. Other product, service or company designations appearing on the Website may be the trademarks of their respective owners.

10. LINKS TO OTHER WEBSITES

The Intergrity services Website may contain links and pointers to other World Wide Web Internet sites and resources (the "Linked Sites"). Links to any Linked Site do not constitute an endorsement by us or our association with any third party resources or their contents. Links do not imply that Intergrity services is affiliated or associated with third parties or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through a link, or that any Linked Sites are authorized to use any trademark, trade name, logo or copyright symbol of Intergrity services . You should direct any concerns regarding any Linked Site to such Linked Site's site administrator or webmaster. Intergrity services do not represent or endorse the accuracy or reliability of, and expressly disclaims, any advice, opinion, statement, or other information displayed or distributed through any Linked Site. You hereby acknowledge that reliance upon any opinion, advice, or information displayed on or otherwise available through any Linked Site shall be at your sole risk.

11. ENTIRE AGREEMENT

These Terms and Conditions, jointly with all other contractual items referred to in these Terms and Conditions, constitute the entire agreement between you and us and supersede any prior agreements which may exist between you and us.

12. SEVERABILITY CLAUSE

If one or several of the provisions of these Terms and Conditions are invalid, unlawful or unenforceable, then this does not affect the validity of the remaining provisions.

13. COMPLAINTS, APPLICABLE LAW, JURISDICTION

13.1. Should you not be satisfied with our services under these Terms and Conditions You may make a complaint in writing to us at the contact details published on https://www.Intergrityservices.co.uk. We will try our best to deal with your complaint at the first opportunity and we will send you a final response letter within 15 business days of receipt of your complaint. In exceptional circumstances, we will send you a holding reply within 15 business days specifying the deadline by which you will receive Our final response, being no later than 35 business days from the date of Your initial complaint. You have the possibility to enforce Your rights before the competent courts of general jurisdiction. Alternatively, You may use the Online Dispute Resolution (“ODR”) process. The ODR offers an out-of-court solution to disputes connected to online transactions: http://ec.europa.eu/consumers/odr/.
13.2. These Terms and Conditions are governed by the United Kingdom law, with the exception of its conflict-of-law rules. The place of fulfillment is London. If You are a UK resident consumer, You will also benefit from any mandatory provisions of UK consumer protection law.