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This internet service for the provision of foreign currency is provided by N&Z Associates Limited (trading as cash & cheque direct/ firstchoice currency). N&Z Associates Limited is registered in England and Wales under number 07222914. Our registered address is 13 Northgate, Halifax, HX1 1UR. All references to in these Terms and Conditions shall be to N&Z Associates limited.
The Service is only available to UK residents aged 18 or over for delivery within the United Kingdom only.
The Service may only be used to order foreign currency for holiday or business travel.
By placing an order, you are confirming to us that you are the registered bank account customer and that you are not ordering foreign currency for illegal purposes and that no sums paid by you to us are tainted by criminal activity. You are also confirming that you will provide us with such information as we may reasonably require by us in order to process your order, including such information we may require to meet our obligations under anti money laundering laws and regulations.
By ordering foreign currency from us, you are also confirming to us that you have read and understood these Terms and Conditions and agree to be bound by them.
The Service is only available for the currencies listed from time to time on the online ordering screen on our website. We will quote to the nearest available denomination that we stock.
Any information provided by us in relation to your use of the Service does not constitute financial advice. We also do not warrant the accuracy of any information provided by us in relation to your use of our website and the Service.
A maximum order value limit of £2500 for foreign currency applies. The combined total of all your orders in any two calendar week period is subject to a maximum order value of £10,000 (excluding any handling or delivery charge). There is no minimum order value. We reserve the right to alter at our discretion, the minimum and maximum order values at any time.
You agree to provide all the information required by us in order to process your order. We reserve the right to request further information from you should it be needed at any time.
When placing an order, you warrant to us that the details and information provided to us are correct.
Our website will display confirmation details of your order. We would recommend you print a copy of the confirmatory screen for your records. We will also send you an email confirming your order.
Once confirmed, an order cannot be cancelled or amended.
In the event that there are significant or material fluctuations in the exchange rates between us accepting your order and its despatch, we reserve the right to cancel your order without notice and liability to you.
We reserve the right to refuse orders for foreign currency for any reason at our discretion.
You will be required to pay for the foreign currency in Sterling at the time of ordering by via our online payment method.
The billing or other addresses registered to your bank account must match the delivery address for your order.
We do not charge any commission on the foreign currency bought from us.
We do not charge any fees.
Orders will be processed at the foreign exchange rate quoted on our website at the time you placed your order.
Foreign Currency Restrictions, Financial Sanctions and Money Laundering
There may be foreign currency import and export restrictions both in the United Kingdom and other countries that may be applicable. By placing an order you are confirming that you are aware of certain UK, UN, EU and international sanctions which prohibit the free movement of funds, goods and services to and from certain designated countries, regimes, entities and individuals. Further, information on these sanctions can be found on the Financial Sanctions page of the Bank of England website www.bankofengland.co.uk.
We may refuse to process an order if we reasonably believe that processing might be a breach of a UK, UN, EU international sanction or money laundering rule.
Buy-back of foreign currency
You can change your foreign currency back into Sterling at commision free rates.
We will use reasonable skill and care in providing the Service. We will not be liable to you:
if we cannot perform any of our obligations due to the failure of any system (technical or otherwise) or for any other reasons beyond our reasonable control, including without limitation, terrorism, war, natural disaster, government action and industrial action;
for any damage to your systems or computer equipment as a result of using our website or the Service;
for any loss or damages incurred by you as a result of using our website or the Service which arise as a result of changes made to our website by unauthorised third parties;
where links are provided from our website to other websites which do not belong to us or any of our affiliates, for any loss or damages or offence caused or allegedly caused by your access to or use of such third party websites;
for any failure by you to provide us with the correct information;
for any expenses, claims, damages or losses suffered or incurred by you from your use of our website or the Service (including without limitation any indirect or consequential loss, loss of profit, business, revenue, contracts, anticipated savings whether in contract or in delict or tort), howsoever caused.
Our total liability to you in respect of each use of the Service shall be to refund the total purchase price (including any handling charge) of the relevant foreign currency order.
Nothing in these Terms and Conditions will limit our liability to you for death or personal injury caused by our negligence or that of our employees or agents, or for fraud. Your statutory rights are not affected by the provisions of this paragraph.
Details of how we use your personal information are set out in N&Z Associates limited Privacy Policy. Please click on the attached link.
These Terms and Conditions shall be governed by and construed in accordance with the law of England.
These Terms and Conditions are subject to change from time to time and without notice.
Your continued use of the Service constitutes your acceptance of the Terms and Conditions as modified from time to time.
If you wish to contact us or register a complaint with us, please contact us by:
email at orders@cashandchequedirect.co.uk or
telephone on 01274 721311 or
letter to
Cash & Cheque Direct,
47 Darley Street,
Bradford,
BD1 3HN
Cash & Cheque Direct is the trading name of N&Z Associates Limited. Registered in England with no. 07222914.