Regulatory information: For some clients based in the United Kingdom, payment services and e-money services for Universal Partners FX Ltd are also provided by The Currency Cloud Limited. Registered in England and Wales No. 06323311. Registered Office: The Steward Building, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199).

United States end customers: Payment services in the United States are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here. VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041.

EEA end customers: For clients based in the European Economic Area, the issuance of e-money and the provision of related payment services for Universal Partners FX Ltd are provided by CurrencyCloud B.V. CurrencyCoud B.V. is registered with the Dutch Chamber of Commerce in the Netherlands under number 72186178. Registered office Mr. Treublaan 7, 1097 DP, Amsterdam, Netherlands. CurrencyCloud B.V. is licensed and regulated by De Nederlandsche Bank as an Electronic Money Institution (Relation Number: R142701).

Currency Cloud has certain obligations as a regulated financial services institutions, including around complaints. We keep them informed of the complaints we receive from you regarding the regulated payments and e-money services they ultimately provide to you. They oversee how we handle complaints to ensure we do this to the standard required under the regulations.

However, if for any reason your complaint regarding your payments and e-money services has not been acknowledged or dealt with by us, or if you have concerns about the way it has been handled, Currencycloud’s complaints information can be found as per the link above.

Safeguarding Information: When funds are posted to your account, in line with regulatory requirements, the regulated institutions who we work with safeguard your funds. This means that the funds shown in your payment account or e-wallet are held at reputable banks or covered by an insurance policy, and most importantly, are protected for you in the event of our partner institutions’, or our, insolvency. Our partners stop safeguarding your funds when the money has been paid out of your account to your beneficiary’s account. If you require a breakdown of the exact amounts of funds you have safeguarded at each of our partners at a particular point in time, please do not hesitate to contact us.

Regulatory information: For some clients based in the United Kingdom and rest of the world, payment services and e-money services for Universal Partners FX Ltd are also provided by Ebury Partners UK Ltd. Registered in England and Wales No. 07088713. Registered Office: Third Floor 80-100 Victoria Street, Cardinal Place, London, United Kingdom, SW1E 5JL. Ebury Partners UK Ltd is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900797).

Safeguarding Information: Ebury’s client funds are held in segregated accounts, entirely separate from their own operating accounts, so client funds are always safeguarded.

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