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Terms & Conditions

See below for the terms and conditions relating to NM Money's products and services.
Before transacting with us please ensure that you have read and that you accept the corresponding terms & conditions. For enquiries relating to our services or terms & conditions please contact us.

 

 

Travel Money

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Travel Money Terms & Conditions

1. THESE TERMS

1.1 What these terms cover. These are the terms and conditions upon which you:

(a) purchase Travel Money (i.e. non-sterling currency) from us referred to in these terms as a "Buy Travel Money Transaction"; and 

(b) sell Travel Money to us, referred to in these terms as a "Sell Back Transaction", through www.nmmoney.co.uk/travel-money (the "Website") or in one of our branches.

1.2 Why you should read them. Please read these terms carefully before you confirm your order. These terms tell you who we are, how we will provide Travel Money or pounds sterling (“GBP”) (as applicable) to you, how you and we may end the contract, what to do if there is a problem and other important information. If you think that there is a mistake in these terms, please contact us to discuss.

 

2. INFORMATION ABOUT US AND HOW TO CONTACT US

2.1 Who we are. NM Money - Travel Money is a trading name and trademark of eurochange Ltd. Registered in England and Wales at Russell House, Elvicta Business Park, Crickhowell, Powys NP8 1DF. Company No. 02519424.

2.2 How to contact us. You can contact us by writing to us at customerservices@nmtravelmoney.co.uk or Administration NM Money - Travel Money, PO Box 435, Stevenage, SG1 9GA.

2.3 How we may contact you. If we have to contact you we will do so by telephone or by writing to you at the email address or postal address you provided to us in your order. 2.4 ”Writing” includes emails. When we use the words “writing” or “written” in these terms, this includes emails.

2.4 "Writing" includes emails. When we use the words "writing" or "written" in these terms, this includes emails.

 

3. OUR CONTRACT WITH YOU

3.1 How we will accept your order.

In branch: Once you have signed your transaction receipt, which will be after the sales advisor has counted out your currency / GBP, a contract will come into existence between you and us. Before the transaction is confirmed the sales advisor would have already agreed with you the rate and amount, including any other products or services by explaining the receipt.

Website: Our acceptance of your order will take place when the confirmation page on the website is displayed and/or you receive your email confirmation at which point a contract will come into existence between you and us. Before confirmation you would have reviewed and agreed to these terms and conditions by checking the box, then clicking the “confirm order” button. When we accept your order, we agree to keep the agreed exchange rate open for a certain period of time, pending payment by you. It is important that you pay us on time, otherwise we may not be able to provide you with your required Travel Money and/or GBP and you may be liable for any losses we incur.

3.2 Your order number. We will assign an order number to your order and tell you what it is when we accept your order. It will help us if you can tell us the order number whenever you contact us about your order.

3.3 Online we only sell to persons who are over 18 and located the UK. The Website is solely for the promotion of Travel Money in the UK. Unfortunately, we do not accept orders from or deliver to addresses outside the UK.

3.4 Do not use our service in breach of applicable laws. You must not use our service (as described in these terms) in breach of any applicable law, rule and/or regulation. In submitting orders, you warrant that you are not breaching and do not intend to breach any applicable law, rule and/or regulation whilst availing of the services set out in these terms.

3.5 We are not under an obligation to accept orders. We reserve the right not to accept orders placed with us, at our sole discretion, for any reason.

 

4. TERMS APPLYING TO BUY & SELL TRAVEL MONEY TRANSACTIONS

4.1 Website Buy Travel Money Transactions. There are three types of Buy Travel Money Transaction which you are able to enter into on the Website, namely: 

(a) a Home Delivery Transaction - this is where your exchange rate is agreed online, you pay online via debit card or via bank transfer and your Travel Money are posted via Royal Mail Special Delivery to a residential address within the UK; 

(b) a Home Delivery Express Transaction - this is where your exchange rate is agreed online, you pay online via debit card and your Travel Money is delivered to you via courier, within 3 hours of ordering. Available only within a 10 mile radius of the processing branch at a cost of £15.

(c) a Pay & Collect Transaction - this is where your exchange rate is agreed online, you pay online via credit or debit card or via bank transfer and collect your purchased Travel Money from your requested NM Money branch.

 

4.2 In Branch Buy Travel Money Transactions. There are three types of Buy Travel Money Transaction which you are able to enter into in an NM Money branch, namely: 

(a) an In Branch Transaction – this is where your exchange rate is agreed in branch, you pay in branch via credit or debit card or via cash and your Travel Money, Multi-Currency Cash-Passport received by you immediately after the transaction has been completed. 

(b) a Home Delivery Transaction - this is where your exchange rate is agreed in branch, you pay in branch via credit or debit card or via cash and your Travel Money are posted via Royal Mail Special Delivery to an address within the UK;

(c) a Pay & Collect Transaction - this is where your exchange rate is agreed in branch, you pay in branch via credit or debit card or via cash and you collect your Travel Money from the same branch on an agreed date. This is typically when a branch does not have the requested Travel Money in stock.

 

4.3 Website Sell Back Transactions. There are two types of Sell Back Transaction which you are able to enter into on the Website, namely:

(a) a Postal Sell Back Transaction - this is where your exchange rate is agreed online, we send you a pre-paid self-addressed Royal Mail Special Delivery envelope for you to send us the currency you wish to sell us. We in turn make payment to you via BACS once your currency has been received. Only available in relation to notes (not coins) and to a residential address within the UK (and subject to the conditions set out in clause 4.10 and 9 below);

(b) a Sell Back & Collect Transaction - this is where your exchange rate is agreed online and you visit your chosen NM Money branch and exchange at the agreed rate in branch.

 

4.4 Exchange Rates. Before placing your order, we shall provide you with exchange rates on the Website or in branch, based on the currency and amount of Travel Money you wish to purchase from us or sell to us. You may, using these exchange rates, place an order for entering into a Home Delivery Transaction, a Pay & Collect Transaction, a Postal Sell Back Transaction and/ or a Sell Back & Collect Transaction by following the instructions on the Website or by speaking to the sales advisor in branch.

 

4.5 Payment - you must pay us on time. If you enter into a Home Delivery or a Pay & Collect Transaction, you may:

(a) pay us by cash in branch

(b) pay us by debit card on the Website or in branch in which case confirmation of your payment should be instantaneous; 

(c) pay us via bank transfer on the website in which case you must ensure that we receive the correct amount of cleared funds into the bank account set out in the order confirmation including the correct reference and by the date and time set out in the order confirmation. The funds must be sent from a bank account in the name of the person placing the order. 

Payments by debit or credit card will not incur a surcharge from NM Money but you may be charged by your card issuer – please check their terms & conditions if you are unsure. Debit and credit card payments that are declined by your bank may lead to the funds being set aside as on ‘hold’ by your card issuer. We have no control of this process and are not liable for any difficulties that arise from this.

If your bank transfer is via the faster payments service then we should receive your funds within 2 hours. If your bank transfer is not made by faster payments then we should receive your funds within 2 to 3 working days.

If you enter into a Sell Back & Collect Transaction you must attend the NM Money branch noted on your order confirmation and pay us by the time set out in your order confirmation. Your order will be held by the branch for 4 calendar days.

Failure to pay on us on time is a breach of contract by you and will result in us being unable to deliver the Travel Money, and/or GBP to you at the agreed exchange rate. The agreed exchange rate will expire. We reserve the right to charge you for any losses we incur in keeping the exchange rate open for the period set out in the order confirmation.

 

4.6 Delivery of Travel Money and/or GBP

If:

(a) you enter into a Home Delivery Transaction, the purchased Travel Money will be delivered to you through Royal Mail’s Next Day Delivery Service;

(b) you enter into a Home Delivery Express Transaction, the purchased Travel Money will be delivered to you via 'City Sprint' courier delivery within 3 hours of you order being confirmed;

(c) you enter into a Pay & Collect Transaction, you shall collect the purchased Travel Money from the NM Money branch set out in your order confirmation;

(d) you enter into a Sell Back & Collect Transaction, you shall collect your GBP from the NM Money branch set out in your order confirmation; and

(e) you enter into a Postal Sell Back Transaction, we shall make payment to you in GBP via BACS once your currency has been received by us.

 

4.7 Minimum and maximum order amounts.

(a) Home Delivery Transactions have a minimum order value of £100 and a maximum order amount of £2,500 sterling;

(b) Online Pay & Collect Transactions have a minimum order value of £100 and a maximum order amount of £2,500 sterling;

(c) Sell Back & Collect Transactions have a maximum order amount of £2,500 sterling;

(d) Postal Sell Back Transactions have a minimum order amount of £100 and maximum order amount of £750 sterling; and

(e) In branch transactions there is no maximum order amount but we will require additional information to comply with Anti Money Laundering legislation.

We reserve the right to amend these amounts at any time at our discretion.

4.8 How we make a profit. We do not charge any commission for your purchase or sale of Travel Money. We make a profit based on the difference between the exchange rate at which we buy and sell currency from our suppliers and the exchange rate at which we buy and sell currency to you.

4.9 Option to purchase our Original Rate Buy Back. When placing an online order to enter into a Buy Travel Money Transaction you will be given the option, in return for the payment of £4, of being able to sell back to us up to 30% of your unused Travel Money at the same exchange rate as you bought the Travel Money for, within 30 days of placing that Order. This is referred to in these terms as the "Original Rate Buy Back".

In branch we have different options for the Original Rate Buy Back, these will be explained to you at the point of purchase and will be confirmed upon acceptance.  

4.10 Receipt of Travel Money from you. Upon our receipt of the Travel Money, all notes will be verified to ensure that they are current, valid and usable. Any forged notes, outdated, outmoded or unusable notes will not be exchanged and may be retained. We reserve the right to refuse to buy back any denomination of foreign currency notes that we do not sell or that have a value of less than £1.

 

5. GENERAL TERMS

5.1 All orders where we sell currency to you will be rounded up to the nearest suitable denomination.

5.2 Orders for ‘next day’ delivery for Home Delivery Transactions and Pay & Collect Transactions must be completed before 4pm Monday to Friday. Please note that deliveries are not available on public holidays or Sundays. You must allow adequate time before you travel for your delivery.

5.3 By placing an order, you warrant that you are acting on your own behalf and that the information that you provide to us is true and accurate in all respects, that you will not withhold any material information from us, and you will provide us with any information that we may reasonably require.

5.4 We may need certain information and/or documentation from you so that we can supply the Travel Money or GBP (as applicable) to you. For example, verification of your identity or address. We will contact you in writing or when you attend an NM Money branch to ask for this information and/or documentation.

If you do not give us this information and/or documentation within a reasonable time of us asking for it, or if you give us incomplete or incorrect information, we may refuse service, end the contract or make an additional charge of a reasonable sum to compensate us for any extra work that is required as a result. We will not be responsible for supplying the Travel Money and/or GBP late or not supplying all or any part of them if this is caused by you not giving us the information we need within a reasonable time of us asking for it.

 

6. DELIVERY FOR THE HOME DELIVERY TRANSACTIONS

6.1 All Home Delivery Transaction purchases will be delivered by Royal Mail Special Delivery service (www.royalmail.com/personal/uk-delivery/special-delivery).  

6.2 We are responsible for your Home Delivery Transaction up to the point of collection by Royal Mail. Problems at Royal Mail such as service disruptions, delays or failure to deliver are outside of our control and are not our responsibility.

6.3 You accept responsibility for your Home Delivery Transaction when your Travel Money are signed for at your home delivery address or when the Travel Money are collected from a Royal Mail sorting office.

6.4 We do not guarantee next day delivery or that the requested delivery date will be met. We will however use our best endeavours to deliver your order on your requested date. We will not be held liable for any issues, expenses or costs as a result of a delivery not arriving on the date you have stated.

6.5 You can track your order any time by visiting www.royalmail.com/trackdetails, once you receive your confirmation email with tracking details provided which we will send to you as part of the confirmation that your order has been dispatched.

6.6 Failed or missing deliveries will not be immediately refunded and they will be dealt with under the Royal Mail's claims procedure. A refund will only be payable following a Royal Mail investigation and subsequent successful insurance claim that we will make on your behalf.

6.7 Except for Bank Holidays, where a Monday delivery date has been requested, your order will be dispatched on a Friday as Royal Mail do not collect from us on a Saturday or Sunday. As such you may receive your package on a Saturday.

6.8 An option is available to request a Saturday delivery for an additional fee. However, we cannot guarantee Royal Mail will fulfil this request. We will be unable to refund the additional fee should your delivery not arrive on a Saturday.

6.9 You must refuse to accept any packages which appear to have been tampered with or damaged during transit by Royal Mail. Should you sign for a package which has been damaged or tampered with, you may incur financial loss, for which we are not responsible.

6.10 We cannot accept any responsibility for fraudulent acts committed by a third party.

6.11 There is no delivery charge for Home Delivery Transactions with a value equal to or more than £600. If you enter into a Home Delivery Transaction with a value of less than £600, you will be charged a delivery fee of £3.95. An additional delivery fee will be payable for delivery on a Saturday. This additional fee will be detailed during the order process.

6.12 Home Delivery Transactions can only be delivered to residential addresses in the United Kingdom. It is important that you are present to sign and accept delivery for your order.

6.13 If the delivery address is that of a multiple occupancy building then be aware that Royal Mail will deliver to the reception or other delivery point. We are not responsible for deliveries for which Royal Mail has obtained a signature at your delivery address but which you have not received.

6.14 The Royal Mail has some restrictions on its Special Delivery service, please refer to the Royal Mail website www.royalmail.com for details of up to date restrictions.   6.15 If no one is available at your address to take delivery, Royal Mail will leave you a note informing you of how to rearrange delivery or collect the Travel Money from a local depot. It is your responsibility to arrange this.

 

7. HOME DELIVERY EXPRESS

7.1 All Home Delivery Express Transaction purchases will be delivered by City Sprint couriers (www.citysprint.co.uk).

7.2 We are responsible for your Home Delivery Express transaction up to the point of collection by City Sprint. After collection issues such as service disruptions, delays or failure to deliver are outside of our control and are not our responsibility.

7.3 You accept responsibility for your Home Delivery Express transaction when you sign for your Travel Money at your home delivery address.

7.4 We do not guarantee 3 hour delivery. We will however use our best endeavours to deliver your order at the requested time. We will not be held liable for any issues, expenses or costs as a result of a delivery not arriving at the time you have stated.

7.5 You can track your order at any time by visiting www.citysprint.co.uk

7.6 You must refuse to accept any packages which appear to have been tampered with or damaged during transit by City Sprint. Should you sign for a package which has been damaged or tampered with, you may incur financial loss, for which we are not responsible.

7.7 We cannot accept any responsibility for fraudulent acts committed by a third party.

7.8 There is a delivery charge for Home Delivery Express transactions of £15. This additional fee will be detailed during the order process.

7.9 Home Delivery Express Transactions can only be delivered to residential addresses in the United Kingdom. It is important that you are present to sign and accept delivery for your order.

7.10 If the delivery address is that of a multiple occupancy building then be aware that City Sprint will deliver to the reception or other delivery point. We are not responsible for deliveries for which City Sprint has obtained a signature at your delivery address but which you have not received.

7.11 Please refer to www.citysprint.co.uk for further details of their courier delivery terms and conditions.

7.12 If no one is available at your address to take delivery, your package will be returned to the NM Money collection branch. It will then be your responsibility to arrange collection.

 

8. ADDITIONAL TERMS APPLICABLE TO THE PAY & COLLECT TRANSACTIONS

8.1 If you enter into a Pay & Collect Transaction you will be required to produce the relevant order confirmation page or confirmation email.

8.2 For Pay & Collect Transactions only, you will be required to produce:

(a) the debit or credit card that you used to make your payment; and

(b) one of the following forms of identification:

(i) Passport;

(ii) Photo card driving licence; and

(iii) National ID card.

We reserve the right to PIN authenticate the credit or debit card used for payment. There will be no additional charge for this PIN authentication.

8.3 We are unable to accept any other forms of identification other than those listed. We are not able to release Travel Money for Pay & Collect Transactions to anyone other than the cardholder.

 

9. POSTAL SELL BACK

9.1 A Postal Sell Back Transaction can be initiated by completing an online request form.  We will provide you with an indicative exchange rate which will remain valid for 10 days.

9.2 The minimum value of a Postal Sell Back Transaction is £100 and a maximum of £750 sterling.

9.3 The GBP sterling value is based upon the stated total value of the currency notes being returned, subject to all the notes being current, valid and usable.  Any forged notes, outdated, outmoded or unusable notes will not be exchanged and may be retained. We reserve the right to refuse to buy back any denomination of foreign currency notes that we do not sell or that have a value of less than £1. We do not accept coins via Postal Sell Back.

9.4 We will send you a pre-paid envelope and an order form to complete. You should complete the order form, and enclose it in the pre-paid envelope along with the currency you wish to sell back to us.  The pre-paid envelope must be handed into a Post Office who will provide a receipt and tracking reference. Only our pre-paid envelope can be used to send your currency and Sell Back order form to us.

9.5 The maximum envelope value is £750.00. It is your responsibility to ensure that this value is not exceeded. Your envelope will only be insured up to the value of £750.00.

9.6 We are responsible for the currency in your Postal Sell Back Transaction from the point the envelope is signed for by us at our processing centre. Problems at Royal Mail such as service disruptions, delays or failure to deliver are outside of our control and are not our responsibility.

9.7 We do not guarantee next day delivery to us of the pre-paid envelope you send back to us. We will not be held liable for any issues, expenses or costs as a result of delivery not arriving with us or its delivery to us being delayed or lost.

9.8 You can track your envelope by visiting www.royalmail.com/trackdetails using the tracking reference provided to you by the Post Office.

9.9 We have no responsibility for any failed or missing deliveries which will be dealt with under the Royal Mail’s claims procedure. Payment to you will only be made following a Royal Mail investigation and subsequent successful insurance claim that we will make on your behalf and only up to the value of £750.00 per envelope. You will need to provide us with the Post Office receipt and tracking reference and any other assistance which we may need in order to process the insurance claim with the Royal Mail. In these circumstances we will only pay you what we actually receive from the Royal Mail in relation to your envelope.

9.10 If you have purchased Original Rate Buy Back, please also include confirmation of your purchase when completing your Postal Sell Back order form.  Providing your Original Rate Buy Back is valid on the date we receive your currency, it will be applied to Postal Sell Back order.

9.11 If your currency is not received by us within 10 days of completion of the online request form, the indicative exchange rate provided when you completed the online request form will be replaced with the online Postal Sell Back rate on the day that your currency is actually received by us.

9.12 Payment will be made via BACS to the nominated account details provided by you.  Payment may take up to 5 days to credit your account.

9.13 It is not possible to cancel a Postal Sell Back Transaction once you have handed the pre-paid envelope containing your currency and order form into a Post Office.  

 

10. CANCELLATIONS

Should you wish to cancel your Home Delivery, or Pay & Collect order you will be issued a refund minus a £10 cancellation charge. If you fail to collect your Pay & Collect order within 4 days of your chosen collection date, you will also be charged the cancellation fee. Please note that any charges applied by your card provider to you will not be refunded. If after your order is cancelled you still want to purchase Travel Money from us a new order will need to be placed. Home Delivery orders cannot be cancelled after 1pm on the day of dispatch. Orders can be cancelled by sending a cancellation request to customerservices@nmtravelmoney.co.uk. If your order was placed in branch you will need to contact your local branch. Please note that the provision of foreign currency involves special risks which may affect the value of an order placed by virtue of fluctuation in exchange rate as a result of changes in financial markets. Please note that such changes are outside of the control of NM Money and, in extreme situations and without prior warning, may affect the provision of this Service. In such cases, NM Money shall have the right to cancel your order. If this occurs, NM Money will endeavour to notify you as soon as is reasonably possible by telephone or email to enable you to re-enter your order. You will not be charged the £10 cancellation fee in these instances.

 

11. FEEDBACK / COMPLAINTS PROCEDURE

11.1 We are committed to providing high quality and great value foreign exchange services. We pride ourselves in the high standard of service we offer so your feedback is very important to us.

11.2 To feedback your comments or register a complaint please email customerservices@nmtravelmoney.co.uk outlining your comments or complaints, please quote any reference numbers that have been issued to you to enable us to handle your comments / complaint effectively.

 

12. OUR RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY YOU

12.1 We are responsible to you for foreseeable loss and damage caused by us. If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this contract or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you made us aware of the risk during the sales process.  

12.2 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 or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation.

12.3 We are not liable for business losses. We only supply our services for domestic and private use. If you use our services for any commercial, business or re-sale purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

 

13. FOREIGN CURRENCIES AND RATES

13.1 The NM Money online travel money service is only available for the currencies listed at the moment of order on the website. Currencies may be unavailable from time to time. The exchange rates quoted by NM Money on the website are updated daily but may be updated at any time. Should extreme fluctuation in the exchange rate occur between you placing your order and the dispatch of your order, NM Money shall have the right to cancel your order as per Section 10 (Cancellations). In this instance the £10 cancellation charge would not apply.

13.2 Currencies are subject to availability - if not in stock currencies can be ordered in. To secure the rate you will need to pay for the currency at the time of the order.   You should be aware that the historical performance of a foreign currency is no indicator of its future performance. Please note that foreign currency availability may be subject to monetary limits, currency exchange restrictions and anti–money laundering regulations.

 

14. PROMOTION CODES

Throughout the year we offer various promotional codes giving special rates on Travel Money. Promotional codes can be used online or in branch if applicable until they expire. Only one promotional code can be used per transaction and per customer.

 

15. HOW WE MAY USE YOUR PERSONAL INFORMATION

15.1 By agreeing to these terms, you agreed to our privacy policy, a copy of which is on the Website and which can be found HERE.

15.2 In line with GDPR requirements, the following details why we collect your personal information and how we process it:

(a) to supply the Travel Money (as applicable) to you;

(b) to arrange for the delivery of your Travel Money and/or Postal Sell Back pre-paid envelope including passing your name and address onto Royal Mail;

(c) to process your payment;

(d) to send GBP to your bank account; and

(e) to send you information about services from the NoteMachine Group of companies if you have registered with us and have opted in to marketing preferences.

You may stop receiving such information by updating your marketing preferences via our website or by contacting us at customerservices@nmtravelmoney.co.uk outlining what you would like to stop receiving.

(f) MasterCard for the Multi-Currency Cash-Passport

(g) NM Mortgages if you request a Mortgage appointment

(h) Western Union for their terms and conditions of processing a transaction

15.3 We will only give your personal information to third parties where the law either requires or allows us to do so. When placing an order your identity is verified using electronic systems in accordance with anti-money laundering regulations. In addition to electronic verification, documentary proof of identity may be required. If we have requested personal data it has been recorded in connection with your transaction and only for the purposes of preventing money laundering or terrorist financing, unless you have given permission otherwise as part of our customer registration process.

15.4 Upon completion of your transaction with NM Money, both online and in branch, you will be sent an email request for a review of your experience via the third party Trustpilot. This is not a marketing email, it is a request for a review of our service. You will receive a follow up email if you do not respond to the first review request. You can unsubscribe from Trustpilot at any time by clicking the link in the footer of the email – this includes all review invitation emails from all merchants using Trustpilot’s review invitation service.

 

16. OTHER IMPORTANT TERMS

16.1 We may transfer our rights and obligations under these terms to another organisation.

16.2 You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing.

16.3 This contract is between you and us. No other person shall have any rights to enforce any of its terms.

16.4 All conditions, warranties and remedies imposed or implied by any applicable laws are expressly excluded.

16.5 If a court finds part of this contract illegal, the rest will continue in force. Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

16.6 Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. For example, if you do not provide us with information or pay us on time and we do not chase you but still provide the Travel Money, GBP (as applicable), we can still require you to provide the information or make the payment at a later date.

16.7 These terms are governed by English law and you can bring legal proceedings in respect of these terms in the English courts. If you live in Scotland you can bring legal proceedings in respect of these terms in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of these terms in either the Northern Irish or the English courts.

Quick Transfer Terms & Conditions

Who we are

We are Eurochange Ltd (trading as NM Money). We offer payment services through our network of Eurochange and NM Money bureau de change on the Terms and Conditions set out below. Please read these Terms and Conditions carefully.

 

In these terms & conditions

'Beneficiary' means the person to whom You are sending Funds to, 'EEA' means the European Economic Area. 'Funds' means the amount of funds as set out in your Order to be transferred to the recipient specified by You. 'Intermediary Bank' means a bank or a payment institution which is involved in the transfer of Funds from Us to Your recipient’s bank or payment institution. 'Order' means a request from You for the provision of Our payment services via a Eurochange Ltd bureau de change, this includes Eurochange and NM Money bureau de change. 'Personal information' means the information that We collect from You when We provide You with Our payment services. 'Value Date' means the date on which Your Funds will be received by Your Beneficiary. 'We, Us or Our' means Eurochange Ltd, registered in England and Wales under company reference 02519424 and registered at Russell House, Elvicta Business Park, Crickhowell, Powys NP8 1DF. VAT Registration Number GB 760881707. 'You, Your' means You, Our customer who transacts a Quick Transfer at a Eurochange or NM Money bureau de change.

 

Our payment services

You may place an Order at any Eurochange Ltd bureau de change to purchase foreign currency from Us and to transfer that foreign currency to the Beneficiary specified by You. This is for personal transactions only to make infrequent payments overseas, We operate frequency monitoring and limit number of transactions. Subject to Us accepting Your Order and to Us being in receipt of Your funds, We will deliver that foreign currency by electronic means to the Beneficiary’s bank account that You specify in Your Order. The exchange rate applied to Your Order will be the exchange rate provided to You by a member of Eurochange Ltd staff at the time You place Your Order with Us. If You place an Order that exceeds the payment limits set by Us for Our payment services, we will not accept Your Order. We may request further information from You after You have placed your Order to assist Us with processing Your Order and to comply with Our legal obligations. We will use various procedures in order to verify and authenticate Your Order and may at any time, decline to process Your Order.

 

Charges

By entering into these terms You acknowledge that many international payments incur overseas delivery charges applied by intermediary Banks involved in the delivery of Your Funds: EEA Quick Transfers. If you are making a Quick Transfer within the EEA, you and the Beneficiary must pay your own bank charges. The Beneficiary’s Bank may not deduct its charges on a Quick Transfer within the EEA.

Non-EEA Quick Transfers. For non-EEA Quick Transfers, the Beneficiary’s Bank may deduct its charges from the Quick Transfer amount before it is made available to Us. You have the option to pay all of these charges in advance to ensure, as far as possible, that the Beneficiary receives the amount that You require. Unfortunately, We are not able to guarantee that the full amount will be credited to the Beneficiary Account on the Value Date, without a further deduction of charges.

The amount of the charges and the time taken for Quick Transfers to be credited to an account varies. Our staff will be able to advise you of the level of charges applied and timeframes before you instruct your payment. Typically, the Quick Transfer should be credited to the account by the end of the business day following the time of receipt of the payment order. If the transaction is carried out in a currency other than Euro (€) or Pounds Sterling (£), or involves more than one currency, then the amount must be credited to the account by the end of the fourth business day following the time of receipt of the payment order. You are responsible for any taxes that may apply in relation to Your Order. We shall not be responsible for determining what, if any, taxes apply to a payment initiated by an Order from You.

 

Order preview

Before We request Your Funds, You will be provided with a preview of Your Order. The preview will confirm all of Your Order details and it is Your responsibility to check Your Order before it is processed by Us. Upon signing Your Order preview You are confirming that all information provided by You has been captured correctly by Us, We shall not be liable for any losses, costs, charges or expenses incurred by You or any third party as a result of any information captured by Us incorrectly after You have signed Your Order preview.

 

Your payment to us

In consideration for Us providing Our payment services to You, You agree to pay Us the Funds and applicable charges owing to Us in Cash or by Card. If as a result of an error or omission caused by You We receive an amount that is less than the value of the Funds and the applicable charges due to Us, We will request for the underpaid Funds to be forwarded to Us and may amend the amount due to Us as a result of exchange rate fluctuations. You may be requested to pay by card for large transactions.

 

Confirmation of your order

You will be provided with a receipt for Your Order setting out the relevant details including: the amount of the Order shown in the currency in which it was paid; the amount of charges for the Order; the exchange rate used in the Order; and the date of the Order. We will also send You an email confirming these details to the email address that You have provided to Us. If You do not receive an email from Us within 24 hours from placing Your Order, You must inform Us immediately. Orders received after the cut-off time of midday or on a day other than a business day will be deemed to have been received on the next business day.

 

Delivery of funds

Once an Order has been received and accepted by Us and We are in receipt of cleared Funds, We will deliver the Funds to the Beneficiary specified in Your Order. You are solely responsible for providing Us with the correct information relating to Your transaction. We shall not be responsible for a delay in the delivery of the Funds which is caused by You or any third party. We shall not be liable for any losses, costs, charges or expenses incurred by You or any third party as a result of such delay when carrying out a Money Transfer in euro to a person with an account at a bank within the EEA or the UK. We will ensure that the amount that You have requested to be sent will reach the Beneficiary’s account no later than one Working Day after We received Your payment Order and cleared Funds. For Money Transfers to outside of the EEA or the UK, We will ensure that the amount will be delivered to the Beneficiary’s account within four working days after We have received the payment Order and cleared Funds. 

 

Returned payments

If You ask Us to make a payment to an account in a bank in the EEA and that bank confirms that it did not receive payment then We will refund the amount of the payment and return You to the position You would have been in if the payment instruction had not been made. However, a refund will not take place if We can show that the money was received by the other person’s bank or if there was a mistake in the details provided by You in respect of the instruction. In such an instance We will make reasonable efforts to recover the funds and notify You of the outcome. If You ask Us to make a payment to an account of a bank outside the EEA and the bank does not receive the payment because of an error caused by Us then We will refund the amount of the payment. If We can show that We have carried out the instruction as per Your request then We will make reasonable efforts to recover the funds and notify You of the outcome.

 

Cancellation by you

Where the payment has not been released by Us, We will cancel Your Order as per Your instruction and advise You of the cancellation. You agree to indemnify Us against all reasonable losses, costs, damages, charges and expenses incurred by Us in connection with Your cancellation.

 

Refusal to provide our payment service/cancellation by us

We may refuse to provide You with Our payment services and/or cancel an Order that You have placed with Us if:

  1. You do not provide Us with the correct Beneficiary bank account details, payment delivery instructions, information or co-operation that We require; or
  2. To process Your Order would be unlawful or contravene the requirements of any regulatory authority or involve Us incurring unreasonable costs or expenses; or
  3. We suspect an unauthorised or fraudulent use of the payment services; or
  4. We are prevented from processing Your Order by an event or circumstances outside Our control; or
  5. You are in breach of these Terms and Conditions. If We refuse to provide and/or cancel the payment services to You, where it is practicable and it is not unlawful to do so, We will inform You as soon as possible. In these circumstances We shall not be liable for any damage, loss, costs or expenses incurred by You or any third party as a result of such failure to provide Our payment services.

 

Expiry of our payment services

These Terms and Conditions will expire automatically in relation to a particular Order following delivery of the Funds by Us to the Beneficiary bank account specified in that Order. The expiry of these Terms and Conditions shall not affect Our rights and liabilities or Your rights and liabilities or affect the coming into force or the continuance in force of any provision which is intended to come into or continue in force on or after the expiry of these Terms and Conditions.

 

Anti-Money laundering checks

In order to comply with Our obligations under anti-money laundering legislation (including for the avoidance of doubt the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017), We are required to verify Your identity. We will carry out anti-money laundering checks on You by using an electronic verification system and by other means that We consider necessary. On Our request, You agree to provide Us with evidence of Your identity and/or proof of Your residential address. Sometimes legal or regulatory authorities require additional information, either in respect of organisations or particular transactions. You agree to supply information, which any legal or regulatory authority may require and/or which We may be required to supply at any time in relation to You and any Order made by You. Furthermore, You understand that the Beneficiary’s banks may hold up Your payment whilst additional anti-money laundering checks are completed. You accept this is beyond Our control and We shall not be responsible for a delay in the delivery of Your Funds. 

 

Data protection

We may access, process and retain personal information which you submit or otherwise provide when making an Order. Please read the Privacy Policy on www.nmmoney.co.uk for details of how personal information is accessed, processed and retained by Us. When placing an Order Your identity is verified using electronic systems in accordance with anti-money laundering regulations. In addition to electronic verification, documentary proof of identity may be required. 

 

Confidentiality

We shall not disclose to any third party any of Your confidential information except where it is necessary to provide Our payment services and We shall not use any of Your confidential information for any purpose other than to provide Our payment services to You. Our obligation of confidentiality to You shall not apply to any information to the extent that:

  1. the information is required or requested to be disclosed to any court or governmental authority with competent jurisdiction;
  2. the information is disclosed on a confidential basis for the purposes of obtaining professional advice;
  3. the information is known to Us before it is disclosed to Us by You;
  4. or, the information is disclosed as provided for in these Terms and Conditions or in accordance with the Privacy Policy.

 

Your warranties to us

You warrant to Us that in placing an Order with Us:

  1. You have legal title to the Pounds Sterling that You wish to sell to Us;
  2. the information that You provide to Us in relation to an Order is accurate;
  3. that the Order is for the personal purpose that You have specified in Your Order and it is not being made for purely speculative reasons.

 

Indemnity and limiting our liability

You agree to indemnify Us against any and all losses, damages, costs and expenses incurred by Us in relation to any Order by You, except where such loss results from Our negligence or a breach of Our obligations to You under these Terms and Conditions. We use reasonable care and skill in providing our payment services to you however, we will not be liable for any losses You suffer or costs that You incur when:

  1. We do not act upon an instruction for a reason specified in these Terms and Conditions;
  2. the details contained in Your Order were incorrect; or
  3. We cannot carry out the instruction because of any Force Majeure event of any reason that is reasonably beyond our control. This includes failure of any computer machine, electronic device, hardware or software or payment system and any act, omission or failure of any agent or third party.

We will process a refund as soon as practicable, and in any event no later than the end of the business day following the day, after we receive notification from you. Nothing will limit Our liability to You for death or personal injury arising out of Our negligence or fraudulent misrepresentation or misstatement or affect Your statutory rights. The limitations of liability in these Terms and Conditions shall not apply to any damages arising from death or personal injury caused by the negligence of Eurochange Ltd or any of its employees or agents or for fraud. If any provisions of these Terms and Conditions are held to be unlawful or unenforceable then such provisions shall fall away and shall not affect the validity and enforceability of the remaining Terms and Conditions. This does not affect Your statutory rights.

We will not in any circumstance be liable for any loss of business, goodwill, reputation, opportunity or profit or any loss that We could not have reasonably anticipated at the time You gave Us Your instruction. Where You believe that We have performed a Money Transfer incorrectly or without authorisation then You must inform Us of same without undue delay and in any event, within 13 months on becoming aware of any unauthorised or incorrectly executed payment transaction. As per the Regulations, if We are not notified within 13 months, We cannot be held liable. Provided we are notified within these timescales then We will refund to You the amount of the non-executed or defective payment transaction. We will also refund to You: (a) any direct charges for which You are responsible; and (b) any interest which You must pay, as a consequence of the non-execution or defective execution of the payment transaction.


Transferring our rights

We may assign Our rights under these Terms and Conditions at any time, which will not affect Your legal rights.

 

Governing law

These Terms and Conditions shall be read and construed in accordance with the laws of England and Wales. Any disputes arising from the use of Our payment services shall be resolved exclusively in the English Courts.

 

Complaints about our service

We pride ourselves on the high standard of service we offer so your feedback is very important to Us. We have established internal procedures for investigating any complaint that may be made. For a copy of our complaints procedure please write to customer.services@eurochange.co.uk or call us on +44(0) 0333 240 1691. We will make every possible effort to address all points of complaint by email. We will respond within 15 business days upon receiving the compliant. If a full response cannot be provided within these timeframes, We will send a holding reply with a full response to follow within 35 business days. If, after having reviewed Our final response You are still not satisfied, You may be able, if You are an Eligible Complainant and Your complaint relates to a Money Transfer (as opposed to a Trade), to refer Your complaint to the Financial Ombudsman Service (the “FOS”), details of which are available on the following link www.financial-ombudsman.org.uk/consumers/how-to-complain. You can also call the FOS on 0300 123 9123 or write to them at Financial Ombudsman Service, Exchange Tower, London, E14 9SR.

Mortgages Terms & Conditions

Service marks

Service names and marks presented on this site are those of insurance carriers, brokers, agents, industry organisations, service providers and educational institutions, which are service marks of their respective entities.

 

Compliance

NM Money - Mortgages is a trading name and trademark of NM Mortgages Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA) and entered on the Financial Services Register (FRN 486916) at fca.org.uk/register. NM Mortgages Ltd is registered in England and Wales with registered office address Russell House, Elvicta Business Park, Crickhowell, Wales, NP8 1DF and company number 05336870. 

 

Privacy policy

Concerned about on-line privacy and security? NM Money Limited's Privacy Policy describes how NM Money will use your personal information.

 

Accuracy

NM Money Limited quotes are verified through extensive internal and insurance company testing. NM Money Limited quotes use information consumers provide on our detailed questionnaires. However, these quotes could change based on additional or contradictory information that emerges during the final insurance underwriting process.

Western Union Terms & Conditions

You must be 18 years old or over to conduct any Western Union transactions

 

Send Transactions

To conduct a Send transaction you must have photograghic ID* (This can be scanned and retained for future use if requested, meaning you will not need this for subsequent transactions), the receiver’s full name and country of receipt.  Payment may be made either in cash or by bank debit card.

 

Receive Transactions 

To receive money you must have photographic ID*, the sender’s name, the Money Transfer Control Number (MTCN) given to sender at the time of sending and the approximate expected value of the funds.   

 

*Photographic ID

  • Passport
  • EU/EEA ID card
  • EU driving licence (photo card version only)
  • EU residence permit
  • Emergency Travel Document

Gold Terms & Conditions - Online

These are the Terms & Conditions for online transactions:

 

These terms

  1. What these terms cover. These are the terms and conditions upon which you may sell gold items to us such as your unwanted and broken gold items e.g. chains, rings, tie pins, pendants, bracelets, cuff links, earrings, brooches and other gold jewellery.
  2. Why you should read them. Please read these terms carefully before you confirm your order. These terms tell you who we are, how we will deal with any gold you may wish to offer to us for sale, how you and we may enter into and end the contract, what to do if there is a problem and other important information. If you think that there is a mistake in these terms, please contact us to discuss.

 

Information about us and how to contact us

  1. Who we are. We are Eurochange Limited, being a company incorporated in England & Wales with company number 02519424 and registered address at Russell House, Elvicta Business Park, Crickhowell, and Powys, NP8 1DF. We also trade under the name ‘NM Money Gold’.
  2. How to contact us. You can contact us by writing to us at customerservices@eurochange.co.uk or Administration, Eurochange Limited, PO Box 435, Stevenage, SG1 9GA.
  3. How we may contact you. If we have to contact you we will do so by telephone or by writing to you at the email address or postal address you provided to us in your order.
  4. ”Writing” includes emails. When we use the words “writing” or “written” in these terms, this includes emails.

 

Our contract with you

  1. To sell us your gold items, you must be over 18 years of age and be the owner of the relevant items, or have the owner’s permission to sell the items.
  2. When selling us your gold items, we may have to ask for photographic ID and documented proof of UK address for certain transactions. Please see clause 11 below for details of ID documentation which we may accept. We can only send envelopes or return items to you at a residential address within the United Kingdom.
  3. We may dispose of any items which we buy from you as we may decide in our sole discretion (including by melting them down). We are unable to return any items once the transaction is completed.
  4. We are not under an obligation to accept any offer from you to sell us your items. We reserve the right not to accept any offer which you may place with us, at our sole discretion, for any reason.
  5. Do not use our service in breach of applicable laws. You must not use our service (as described in these terms) in breach of any applicable law, rule and/or regulation. In submitting items for possible sale to us, you warrant that you are not breaching and do not intend to breach any applicable law, rule and/or regulation whilst availing of the services set out in these terms.
  6. By making an offer to us to sell your item(s) to us, you warrant that you are acting on your own behalf, that the information that you provide to us is true and accurate in all respects, that you will not withhold any material information from us, and you will provide us with any information that we may reasonably require.

 

Posting and insurance

  1. Where you wish to deal with us online, we will send you a pre-paid envelope and an order form to complete. You should complete the order form, and enclose it in the pre-paid envelope together with the gold item(s) you wish to offer for sale to us. The pre-paid envelope must be handed into a Post Office who will provide you with a receipt and tracking reference. Only our pre-paid envelope can be used to send your gold item(s) and order form to us.
  2. The maximum value per envelope is £750.00. It is your responsibility to ensure that this value is not exceeded. Your envelope will only be insured by the Post Office up to the value of £750.00.
  3. We are responsible for your envelope (and its contents) only from the point it is signed for by us at our processing centre. Problems at Royal Mail such as service disruptions, delays or failure to deliver are outside of our control and are not our responsibility.
  4. We do not guarantee next day delivery to us of the pre-paid envelope you send back to us. We will not be held liable for any issues, expenses or costs as a result of a delivery not arriving with us or any delivery to us being delayed or lost.
  5. You can track your envelope by visiting www.royalmail.com/trackdetails using the tracking reference provided to you by the Post Office.
  6. We have no responsibility for any failed or missing deliveries which will be dealt with under the Royal Mail’s claims procedure. An insurance payment may be payable following a Royal Mail investigation and subsequent successful insurance claim that we will make on your behalf and only up to the value of £750.00 per envelope. You will need to provide us with the Post Office receipt and tracking reference and any other assistance which we may need in order to process the insurance claim with the Royal Mail. In these circumstances we will only pay you what we actually receive from the Royal Mail in respect of your envelope.

 

Valuations

  1. When we receive your envelope, order form and gold item(s)one of our trained staff will value your gold, based on the carat and weight (not on the retail resale value). For details of the current prices please see our Website or contact the Eurochange/NM Money Team.
  2. You agree that we may test your gold as part of the valuation process. This process may result in a small mark being left on your gold, and you agree to this and understand that it is possible this may reduce the value of your gold if you decide not to sell to us.
  3. If following testing we cannot verify your items as being gold, we will return them to you via a Royal Mail Special Delivery Envelope.

 

Confirmation of order

  1. Once we have valued your item(s), we will let you know the price that we will pay you for them by telephone, letter or email, depending on the contact details you have provided.
  2. If you accept our offer to buy your gold then the terms of paragraph 7 will apply.
  3. If you do not accept the offer your item(s) will be returned to you via Royal Mail Special Delivery Envelope.
  4. Once you have accepted our offer to buy your gold (and your acceptance may be given orally over the telephone) this will create a binding agreement between us for you to sell the gold item(s) to us at the price quoted by us and for us to buy those item(s) from you at that price. You can only cancel that contract with our agreement.

 

Payment

  1. Payment will be made via BACS to the nominated account details provided by you. Payment may take up to 5 days to credit your account.
  2. Payment will be made in GBP sterling through the BACS system to the account details provided on your order form.

 

Returning your gold to you

If we cannot verify your items as gold (or if we do not want to purchase then from you for some other reason) or if you do not decide to accept our offer, we will return your items to you by Royal Mail Special Delivery Envelope [at our expense and will insure it up to a value of £750].

 

Minimum and maximum order amounts

  1. Our gold purchase minimum value is £75 per sale/purchase transaction. We also have maximum values on our gold purchase transactions – which may vary from time to time and may also restrict individual customers from making multiple offers to sell gold items to us over a limited period of time. Details of our gold purchase maximum value limits can be obtained from us (either in branch or via our web site).
  2. You should be aware that the Royal Mail insurance on special delivery envelopes is £750 per envelope. Accordingly if you have a number of items which exceed a value of £750 you will need to use more than one envelope (ensuring a maximum value in each envelope of no more than £750). However, note that we will only consider a maximum of two envelopes per transaction. If you have an item that is valued at more than £750 you should ask the Post Office to increase the £750 maximum insurance cover before posting the relevant item to us (at your cost). If you send us items which exceed a value of £750 in any one envelope (where you have not increased the insurance maximum with the Post Office), then any such items are posted at your risk.

 

Ownership

  1. We will be responsible for any loss or damage to your items from the time delivery of the special delivery envelope from the Royal Mail is accepted by us (up to a maximum of £750 per envelope). If we send your items back to you, we will no longer be responsible for any loss or damage from when they are is delivered to your home.
  2. You will own your items until you notify us of your acceptance of our offer to purchase them from you, at which point ownership will transfer to us.
  3. If we return your items, you will remain the owner of them at all times. The Royal Mail will be responsible for any loss or damage of your items up to a maximum of £750 after we have delivered the envelope containing them to the Post Office. If a claim is required we will make this claim on your behalf.
  4. Your returned items will be dispatched by us on week days; accordingly you may receive your returned items envelope on a Saturday. Returned items can only be delivered to a residential address in the United Kingdom. It is important that you are present to sign and accept delivery for your returned items. If the delivery address is that of a multiple occupancy building then be aware that Royal Mail will deliver to the reception or other delivery point. We are not responsible for deliveries for which Royal Mail has obtained a signature at your delivery address but which you have not received.
  5. You must refuse to accept any packages which appear to have been tampered with or damaged during transit by Royal Mail. Should you sign for a package which has been damaged or tampered with, you may incur financial loss, for which we are not responsible.
  6. The Royal Mail has some restrictions on its Special Delivery service, please refer to the Royal Mail website www.royalmail.com for details of up to date restrictions. If no one is available at your address to take delivery, Royal Mail will leave you a note informing you of how to rearrange delivery or collect the Travel Money from a local depot. It is your responsibility to arrange this.
  7. We cannot accept any responsibility for fraudulent acts committed by a third party.

 

Accepted ID documents

From time to time we may ask for proof of identification from you before processing your offer to sell your items, this may be in the form of:

  1. Photo ID – Passport, UK photo driver’s licence, National ID card, UK firearms certificate or shotgun licence, UK Residence Permit, ID card issued by the electoral office for Northern Ireland
  2. Proof of address – Utility bill (Less than 3 months old), current year council tax bill, and UK photo driver’s licence (in conjunction with other photo ID)

 

Your personal information

  1. Our full privacy statement can be read on our website.
  2. We will never pass your personal information to any third party except where we have your agreement or where we are required to do so by law.
  3. In line with GDPR requirements, the following details why we collect your personal information and how we process it:

(a) to arrange for the delivery of your pre-paid envelope including passing your name and address onto Royal Mail;

(b) to process any payment to you or to return your items to you;

(c) to send GBP sterling to your bank account; and

(d) to send you information about services from the NoteMachine Group of companies if you have registered with us and have opted in to marketing preferences.

You may stop receiving such information by updating your marketing preferences via our website or by contacting us at customer.services@nmmoneygold.co.uk outlining what you would like to stop receiving.

 

Other important terms

  1. We may transfer our rights and obligations under these terms to another organisation.
  2. You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing.
  3. This contract is between you and us. No other person shall have any rights to enforce any of its terms.
  4. All conditions, warranties and remedies imposed or implied by any applicable laws are expressly excluded to the fullest extent legally possible.
  5. If a Court finds part of this contract illegal, the rest will continue in force. Each of the paragraphs of these terms operates separately. If any Court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
  6. Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not still have to do those things and it will not prevent us taking steps against you at a later date.
  7. We are responsible to you for foreseeable loss and damage caused by us. If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this contract or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you made us aware of the risk during the sales process.
  8. 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 or the negligence of our employees, agents or subcontractors; for fraud or fraudulent misrepresentation.
  9. These terms are governed by English law and you can bring legal proceedings in respect of these terms in the English or Welsh courts. If you live in Scotland you can bring legal proceedings in respect of these terms in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of these terms in either the Northern Irish or the English courts.

Gold Terms & Conditions - In branch

These are the Terms & Conditions for in branch transactions:

 

These terms

What these terms cover. These are the terms and conditions upon which you:

  1. Purchase gold bars from us in one of our branches, referred to in these terms as a “Buy Gold Transaction”; and
  2. Sell gold items to us such as old your unwanted and broken gold items e.g. chains, rings, tie pins, pendants, bracelets, cuff links, earrings and brooches jewellery, in one of our branches, referred to in these terms as a “Sell Gold Transaction

Why you should read them. Please read these terms carefully before you confirm your order. These terms tell you who we are, how we will provide Gold or pounds sterling (“GBP”) (as applicable) to you, how you and we may end the contract, what to do if there is a problem and other important information. If you think that there is a mistake in these terms, please contact us to discuss.

 

Information about us and how to contact us

  1. Who we are. We are Eurochange Limited, being a company incorporated in England & Wales with company number 02519424 and registered address at Russell House, Elvicta Business Park, Crickhowell, and Powys, NP8 1DF. We also trade under the name ‘NM Money Gold’.
  2. How to contact us. You can contact us by writing to us at customerservices@eurochange.co.uk or Administration, Eurochange Limited, PO Box 435, Stevenage, SG1 9GA.
  3. How we may contact you. If we have to contact you we will do so by telephone or by writing to you at the email address or postal address you provided to us in your order.
  4. ”Writing” includes emails. When we use the words “writing” or “written” in these terms, this includes emails.

 

Our contract with you

  1. To buy gold items from us you must be over 18 years of age. To sell us your gold items, you must be over 18 years of age and be the owner, or have the owner’s permission to sell the items.
  2. When selling us your gold items, photographic ID and documented proof of UK address* must be produced at the time of the transaction.
  3. Items are bought from you as scrap and will be smelted. We are unable to return/refund any items once the transaction is completed.
  4. When testing your gold, a slight scratch will be made to the item. We endeavour to minimise any damage but in the event you decide not to proceed with the sale, we cannot accept liability for this slight damage.
  5. We are not under an obligation to accept orders. We reserve the right not to accept orders placed with us, at our sole discretion, for any reason.

 

Payment

  1. You can pay for your purchase of gold bars in branch by cash, debit card, credit card or Bank Transfer.
  2. When selling us your unwanted gold, you can receive payment in GBP in cash or by Bank Transfer.

 

Price guarantee

We will beat any formal written quote when buying your gold items. To do so, we require a formal, written and dated quote from the competitor. The competitor must be situated in the same town and no more than 5 miles from our branch. The quote must be from and valid for the day of your transaction/enquiry.

 

Accepted ID documents

  1. Photo ID – Passport, UK photo driver’s licence, National ID card, UK firearms certificate or shotgun licence, UK Residence Permit, ID card issued by the electoral office for Northern Ireland
  2. Proof of address – Utility bill (Less than 3 months old), current year council tax bill, UK photo driver’s licence (in conjunction with other photo ID)

 

Other important terms

  1. We may transfer our rights and obligations under these terms to another organisation.
  2. You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing.
  3. This contract is between you and us. No other person shall have any rights to enforce any of its terms.
  4. All conditions, warranties and remedies imposed or implied by any applicable laws are expressly excluded.
  5. If a court finds part of this contract illegal, the rest will continue in force. Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
  6. Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. For example, if you do not provide us with information or pay us on time and we do not chase you but still provide the Travel Money, GBP (as applicable), we can still require you to provide the information or make the payment at a later date.
  7. These terms are governed by English law and you can bring legal proceedings in respect of these terms in the English courts. If you live in Scotland you can bring legal proceedings in respect of these terms in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of these terms in either the Northern Irish or the English courts.

Amazon E-Gift Card Promotion

  1. These terms and conditions apply to the NM Mortgages Amazon.co.uk E-Gift Card promotion through which mortgage customers referred by third parties participating in our partnership programme (“Affiliate Partner”) may be eligible to receive an Amazon.co.uk e-Gift Card (“E-Gift Card”). By participating in this promotion, you are accepting these terms and conditions, therefore please read these carefully.
  2. The NM Mortgages Amazon E-Gift Card promotion (the “Promotion”) is being promoted by NM Mortgages Ltd, Russell House, Elvicta Business Park, Crickhowell, Wales NP8 1DF
  3. The promotion is open only to residents of the UK who are at least 18 years old and whose details are recorded on the NM Mortgages customer database. NM Mortgages employees and existing NM Mortgages customers are not eligible for this offer.
  4. The promotion is open to any individual who has no existing relationship with NM Mortgages and has never held a mortgage with NM Mortgages, and has been referred to NM Mortgages by an affiliate partner through the submission of an online enquiry form (“Referred Customer”) on the affiliate partner’s website/app/platform.
  5. NM Mortgages reserves the right to verify the eligibility of referred customers. NM Mortgages may require such information as it considers reasonably necessary for the purpose of verifying the eligibility of an entry and the reward may be withheld until and unless NM Mortgages is satisfied with the verification.
  6. The referred customer will only receive a maximum of one E-Gift Card with a maximum value of £350 (the “Reward”) regardless of the number of applicants upon the completion of a mortgage with the lender arranged through NM Mortgages.
  7. The reward is not available in conjunction with any other offer or promotion, unless the referred customer is expressly advised otherwise by NM Mortgages.
  8. NM Mortgages reserves the right to withdraw the reward for a mortgage completion if we have reason to believe that the referral is not legitimate, including but not limited to referred customers found to be acting fraudulently, multiple referrals by the same individual or duplicate mortgage applications.
  9. Reward value depends on the completed mortgage value. The minimum mortgage value to qualify for the promotion is £100,000. Value loaded on an E-Gift Card is tiered as follows:
  10. NM Mortgages will not be responsible for the inability of a successful referrer customer to take up the reward.
  11. Referred customers will receive the reward via email within 30 days of submitting a fully completed mortgage. Referred customers must provide a valid email address to successfully redeem the reward.
  12. The reward should be treated like cash and kept securely by the referred customer. It will not be replaced if lost or stolen.
  13. The E-Gift Card is non-exchangeable and there is no cash alternative.
  14. The E-Gift Card is subject to Amazon.co.uk own Gift Card terms and conditions. See the following link for complete Amazon.co.uk terms and conditions: https://www.amazon.co.uk/gp/help/customer/display.html?nodeId=200272910
  15. For the avoidance of doubt, the promotion will not apply to a referred customer that has deemed to have entered a completed mortgage with NM Mortgages and then cancelled in order to participate in the promotion.
  16. NM Mortgages accepts no responsibility for any damage, loss, liabilities or disappointment incurred or suffered by you as a result of entering the promotion or accepting the E-Gift Card. NM Mortgages further disclaims liability for any damage to your or any other person’s computer relating to or resulting from participation in or downloading any materials in connection with the promotion.
  17. NM Mortgages reserves the right to end or modify the promotion at any time without prior notice.
  18. NM Mortgages shall not be liable for any failure to comply with its obligations where the failure is caused by something outside its reasonable control.
  19. The promotion is not arranged by, endorsed by, or in any way associated with Amazon.co.uk.
  20. The decision of NM Mortgages regarding the Referred Customer’s eligibility for the reward is final and NM Mortgages will not enter into any correspondence relating to its decision.