Last updated: 23/05/2021
These Terms and Conditions (the law of England and Wales applies) govern the relationship between you and Zeux Ltd (referred to henceforth as “Zeux”, “us”, “we”, “our”) and by using the Zeux mobile application and/or website you consent to them.
Who we are and how to contact us
1.1 These terms and conditions (the “Terms and Conditions”) set out your legal rights and responsibilities, our legal rights and responsibilities and certain key information required by law.
1.2 Zeux (“Zeux”) is a mobile platform and Zeux.com (“Zeux.com”) is a website, both of which are operated by Zeux Ltd, a company registered in England and Wales under company number 11073443, with Registered Office at Devonshire House, 1 Devonshire Street, London, W1W 5DR.
1.3 For support enquiries, please contact us by email at email@example.com
For general enquiries, please contact us by email at firstname.lastname@example.org
Alternatively contact us by mail at:
Devonshire House, 1 Devonshire Street
2.1 Our service allows us to provide a consolidated view of your financial and transaction data along with systems to manage your personal finances and initiate payment services. Further details can be found on our site and in these terms and conditions
2.2 By using our service, you confirm that you accept these terms and that you agree to comply with them
2.3 If you do not agree to these terms, you must not use our service
2.4 You must be over 18 years old and a resident of the United Kingdom to use our service
2.5 You shall not impersonate any other person or create a false identity in connection with your use of our service
2.6 You may only hold one account with us at a time
2.7 You must not use our service for financial crime, tax evasion and illegal activities. If we suspect you have used our service for any of these purposes we have the right to freeze or terminate your account.
There are other terms that may apply to you
3.1 The following additional terms also apply to your use of our service:
We may make changes to these terms
4.1 We amend these terms from time to time. It is recommended that every time you wish to use our service, it is your responsibility to check for any amendments to these terms
We may make changes to our service
5.1 Zeux’s website and product is constantly being updated, upgraded and may release new features in order to comply with the law and to provide a better service for our customers
5.2 You acknowledge and agree that we may update and change our service offering from time to time
We may suspend or withdraw our service
6.1 Our service is made available free of charge on an “as is” basis
6.2 We do not guarantee that our service, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our service for business and operational reasons at any time without notice
7.1 Zeux Ltd is authorised and regulated by the Financial Conduct Authority. Zeux Ltd’s FCA reference numbers are 813029 and 902058.
7.2 The FCA is the UK regulator of financial services, aiming to protect consumers, and the integrity of the market whilst promoting healthy competition
8.1. The following terms and conditions apply to any holder of this card (“virtual card”, “the card”). By using your card you are accepting responsibility and your agreement to these terms and conditions.
8.2. The card is issued on behalf of Zeux by Cornercard UK Ltd, a company incorporated in England and Wales under registration number 8542957 the registered office of which is 9th Floor, One Canada Square, Canary Wharf E14 5AA
By accepting these terms and conditions you are agreeing to the End User General Terms and Conditions by Cornercard UK Ltd, prior to the use of any Card. You can view these below in Annex 1.0
8.3. Since 30 April 2021, Cornercard UK Ltd no longer issue cards on behalf of Zeux Ltd. Please contact Cornercard UK for any queries regarding any Zeux card issued to you prior to this date.
Use of the Card
9.1. If you have received a card before the 30th April 2021, it is a prepaid card issued by Cornercard UK which can be used to pay for goods and services at participating retailers which accepts VISA card.
9.2. To use the card:
184.108.40.206. You can register your card with either Apple Pay or Samsung Pay to enable NFC mobile payment
220.127.116.11. Present your physical card, if you have one, at the time of payment. Use it in full or part payment of your purchase
9.2.2. Online and via Telephone
18.104.22.168. You can view your card details to make payment
9.3. Once due diligence information has been provided and approved, the card may be created, activated, loaded and spent. This is subject to strict spending limits under EU regulation until full due diligence is complete. We may require further information as set out in condition 16. Once these checks are passed, spending limits may be lifted.
9.4. We will not charge you fees to load your Card when using a credit or debit card unless we are permitted to do so. If we are permitted to do so, the fees we shall charge for you to load your Card using a credit or debit card shall not exceed the costs we incur in doing so
9.5. You must not make purchases that exceed the balance of funds available on the card (“account balance”). Your account balance will be reduced by the amount of each purchase you make. If any purchase takes you over your available funds or the card limits in force from time to time and set out in condition 12 the transaction may be declined
9.6. You can use the card to make purchases in-store, via the internet or over the phone. The card is a prepaid card and not a debit card supported by a bank account, and is not in any way connected to a bank account. It is also not a guarantee card, charge card or credit card
9.7. You must not use the card for:
9.7.1. Transactions for cash back, bank, money orders, or any illegal purposes
9.8 We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased with the card. We are not liable for the failure of any merchant to honour the card
9.9. Card Limits (cards issued by Cornercard UK)
The limits outlined below are set for using the Zeux payment card:
9.9.1. Maximum single load limit: £10,000
9.9.2. Maximum monthly load limit: £20,000
9.9.3. Maximum yearly load limit: £40,000
9.9.4. Maximum yearly spend limit: £10,000
9.9.5. Maximum balance on card at any time: £10,000
9.9.6. We reserve the right to review all customer card transactions and limits. Any card that has been consequently found to have exceeded its limit may:
22.214.171.124. Be refunded the difference that exceeds their card limit and the card balance shall then be adjusted in accordance
126.96.36.199. Have their card frozen
188.8.131.52. If found to be suspicious or associated with illegal activity, have their card frozen and account suspended
Expiry of the card
10.1. The card’s expiry date is displayed on the card. You must not use the card after its expiry date and you will not be able to reload it
10.2. Any outstanding balance that remains on the card at expiry will remain on the card, please contact Cornercard for more information.
11.1. By agreeing to our service, we will issue you with an e-money account via our Partner, Modulr Finance Limited (Modulr FS), an FCA authorised Electronic Money Institution (FRN 900573), a company registered in England and Wales under company number 09897957, with Registered Office at 1 Hammersmith Broadway, London, United Kingdom, W6 9DL on successful KYC (Know Your Customer) verification of your identification
11.2. This Account will be opened in your legal name that you have provided on registration and we will issue a unique account number to you.
11.3. You may use this Account to receive bank transfers and can make payments out to external bank accounts via Faster Payments
11.4. Note: The Financial Services Compensation Scheme is not applicable for this Account. No other compensation schemes exist to cover losses claimed in connection with your Account. Modulr FS, as a responsible e-money issuer, will ensure that once they have received your funds they are deposited in a safeguarded account, specifically for the purpose of redeeming Transactions made from your Account. In the event that Modulr FS, become insolvent, funds that you have loaded which have arrived with and been deposited by us are protected against the claims made by creditors.
11.5. By using our service, on availability, you may authorise Zeux, on your behalf, to access your bank account(s) via the Open Banking initiative (PSD2). More information about Open Banking can be viewed at https://www.openbanking.org.uk/
11.6. By using our service, you authorise us, on your behalf, to access your account(s) held with third party service providers
11.7. With access, Zeux will be able to analyse your transactions, display account balance information and to add/withdraw funds directly on your behalf from your bank account(s)
11.8. We may need to verify your identity or for you to provide us with other information from time to time in relation to your account. If you do not wish to share this information with us then we may, at our discretion, suspend or cancel your account
11.9. If you or we terminate your Zeux account we will permanently and securely delete all of your personally identifiable information including bank and credit card details. If you would like to delete your Zeux account, please send an email to email@example.com with the subject line “Closure of account” with your account details and reason for your cancellation. To ensure the cancellation request is genuine we will need to verify your identity
11.10. If we suspect that the request is fraudulent, all details including email address, may be handed to the local enforcement authority for further investigation
11.11. Zeux’s tracking tools notify you of events that occur within your transaction data to help you keep informed, notified, and on top of your finances
11.12. We do not recommend, endorse or provide advice in relation to third party products or services. However, we do make information available on our platform regarding third party products and we do provide links to third party sites where relevant
11.13. Although we make reasonable efforts to update the information on our service, we make no representations, warranties or guarantees, whether express or implied, that the content on our service is accurate, complete or up to date
11.14. Where our service contains links to other sites, services and resources provided by third parties, these links are provided for your information only. We have no control over, and are not responsible for, the provision of those products, services or resources
11.15. If you do choose to register or purchase from third party sites, you will be bound by the terms and conditions of the relevant third party site
11.16. If you register for a Zeux Standard Account you agree to these terms and conditions and any restrictions and limit set by that account.
Restriction on Standard Accounts
Incoming Bank Transfers
As part of our security measures, only external bank accounts held in your name will be allowed to send money to your Zeux account. All third-party payments received will be temporarily held and returned to the original sending account.
Outgoing Bank Transfers
Only external bank accounts held in your name will be allowed to send money to from your Zeux account.
11.17. If you register for a subscription to the Zeux Premium Account you agree to abide by the additional terms set out in Annex 3.0
12.1. In order to be able to make payments, you must have enough money in your account. However, there may be some transactions made in which will take your account balance below zero and into a negative value. If this does happen, you will receive a notification and be able to view this on your account. You will be unable to make further payments until additional funds have been added making the account balance a positive value
12.2. We may block your payments for any of the following reasons:
12.2.1. Your payment instructions are unclear
12.2.2. We suspect that your account is being used for criminal activity
12.2.3. The recipient of the payment does not have the correct credentials to receive payment
12.2.4. You do not have enough money in your account
12.2.5. If we block a payment, we will notify you as soon as possible
12.3. Payment via funds converted from cryptocurrency
12.3.1 The firm is registered on the temporary registration scheme for cryptoasset businesses with the FCA.
12.3.2 In order to make purchases via funds converted from cryptocurrency, cryptocurrency will need to be sent to the unique wallet address created for you in your Zeux account
12.3.3 The wallet address is unique to you and may be used to store, send and receive cryptocurrency
12.3.4 Depending on the region and status, each customer will have a unique crypto wallet created for them. The following cryptocurrencies are supported:
Bitcoin Cash (BCH)
Bitcoin SV (BSV / BCHSV)
Qtum tokens (QTUM)
VeChain token (VET)
12.3.5 To make payment by card the following need to be adhered:
184.108.40.206. Default currency within the Zeux application settings will need to be set as your preferred cryptocurrency. Without setting, the default “default currency” will be your home fiat currency, ie GBP.
220.127.116.11. In accordance to the card limits set by VISA, at the time customers pressing the button “Convert and Pay”, all the outstanding balance of the customer’s default cryptocurrency in your wallet will be converted to fiat fund.
18.104.22.168. After pressing ‘Convert & Pay’ the customer will see a timer that will allow a 30 second payment period to make payment using converted funds at a Fiat POS terminal that accepts Apple Pay or Samsung Pay.
22.214.171.124 At the end of the 30 second payment period the total sum of amount spent during the period will be calculated. All remaining Fiat currency from the funds converted from cryptocurrency will automatically converted back to the same cryptocurrency at the same conversion rate used at the beginning of payment period.
126.96.36.199 If the total amount spent during the 30 second payment period is more than the available funds converted from their cryptocurrency, any outstanding amount due after calculation will be automatically deducted from their fiat balance. If not enough fiat funds are available then the transaction may be declined.
12.3.6 There will be no fee, commission or gas charged to customers. For avoidance of doubt, if the customer decides not to make any purchases during the payment period, the same amount of cryptocurrency converted to fiat funds at the beginning of the payment period will be converted back to cryptocurrency.
Cryptocurrency and fiat currency conversion
13.1. The firm is registered on the temporary registration scheme for cryptoasset businesses with the FCA.
13.2 In order to convert cryptocurrency into fiat currency, cryptocurrency will need to be sent to the unique wallet address created for you in your Zeux account; or fiat currency will need to be sent to your Zeux account.
13.3 The conversion rate used will be shown to you before the transaction. There are no additional fees or charges.
13.4 Once the conversion rate has been confirmed by you to your account manager, your cryptocurrency will be converted to the corresponding fiat currency to the account selected by you. It can either be your Zeux account, or any other bank account in your name. Or your fiat currency in your Zeux account will be converted to the corresponding cryptocurrency to your Zeux crypto wallet.
13.5 The conversion process normally takes 2 business days. In the extreme case, the process may take longer.
13.6 Once the conversion process has started, you cannot stop the process until the conversion is completed. If required, you may then request a reverse conversion.
14.1. You can add money to your Zeux account via the following methods:
14.2.Via Bank Account
14.2.1. You can manually transfer funds using the sort code and account number assigned to your account
14.3. Via Open Banking
14.3.1. We may offer the service with your permission to make a payment instruction on your behalf to transfer funds from your bank account into your Zeux account using Open Banking.
14.3.2. During this process you will be directed to your bank’s secure portal whereby you will log in using your secure bank login and give consent
14.3.3. This consent will expire after a duration of 90 days, after which we are required to ask for your consent again
15.1. From time to time we may offer Cashback to our customers, if this applies, please see the Zeux Cashback terms and conditions in Annex 2.0
Investment Products, Deals and Services
16.1. Suitability of Investment Products and Deals
16.1.1. The products displayed on our platform are not provided by us but by third parties over whom we do not have control.
16.1.2. You should always check the suitability, adequacy and appropriateness of the product that is of interest to you. It is your responsibility to satisfy yourself that you wish to obtain any product before applying for it. If you are in any doubt as to the suitability, adequacy or appropriateness of any product referred to on our platform, we suggest that you seek independent professional advice before you obtain it.
16.1.3. Zeux provides information on a wide range of products, deals and services but there may be other similar products, deals or services available on the market which are not available on our platform
16.1.4. Please also be aware that once you have identified an investment product, deal that are of interest to you, Zeux will arrange and introduce you to the investment provider of the investment.
16.1.5. You agree to allow Zeux to make arrangements on your behalf with the investment provider which will require you to open an account with them. You may need to complete an application form and an account will be opened and registered in your name.
16.1.6. With respect to all matters for arranging your investment, you confirm that Zeux may receive and act on instructions from you.
16.1.7. Zeux shall treat all information provided by you as confidential, and will not disclose such information to other third parties unless you have provided written permission to do so, or unless Zeux is, by law, required or permitted to do so.
16.1.8. You also agree that Zeux may disclose such information to employees or agents of the investment provider that need to know such information, provided that they shall ensure that such employees or agents are subject to the same standard of confidentiality imposed on Zeux.
16.1.9. For transparency, Zeux may receive an introductory fee from the arrangement of your investment by the investment provider.
16.1.10 For clarity, Zeux does not offer any financial advice.
16.1.11. Please be aware that the value of investments can fall as well as rise, and that you may not get back the full amount invested. Your investment is not guaranteed and the price of investments will depend on fluctuations in the financial markets, which are outside our control. Inflation may reduce the value of your investments over time. Past performance is not a guide to future performance.
16.1.12. Capital at risk. Please be aware that the value of investments can fall as well as rise, and that you may not get back the full amount invested. Your investment is not guaranteed and the price of investments will depend on fluctuations in the financial markets, which are outside our control. Inflation may reduce the value of your investments over time. Past performance is not a guide or indicator to future performance.
16.2. Third party provider and services
16.2.1. Your acquirement of any products will be subject to the provider’s own terms and conditions (which will be different from ours). It is very important before you apply for any investment product or deal that you carefully read the accompanying terms and conditions, the provider’s terms and conditions and any other documentation that applies to the investment product or deal. You must familiarise yourself with all the details of the investment. If you are unsure, please seek professional financial advice.
16.2.2. Any links to third party websites on our platform or in our emails are provided for your interest and convenience only. These websites are owned and operated by third parties over whom we do not have control. We do not endorse, recommend or accept responsibility for such third parties, their products or services, their websites or for any information, opinions or views given or advice provided by such third parties (whether on their websites or otherwise).
16.2.3. We aim to ensure that the material on the platform, website and our communications (excluding, if applicable, any user generated content) is accurate. We also try to correct any errors or omissions as soon as we can after being notified of them. However, we are not able to guarantee that the material on the platform is free from errors or omissions at all times. We reserve the right to add, amend, delete, edit, remove or modify any information, content, material or data displayed on the platform, website at any time and without notice.
16.2.4. Nothing on the platform, website or communications is financial, investment or other advice or a recommendation or endorsement by us in respect of any investment product. Information is provided for general information purposes only, should not be relied upon by you and is provided so that you can select the product that you feel is most appropriate to meet your needs.
16.2.5. The information and descriptions of products on the platform may not represent the complete descriptions of all the features and terms and conditions of those products. You must ensure that you carefully read all the features and terms and conditions (including those contained on the provider’s Site) of any product before applying for it.
16.2.6. Please ensure you are aware of the level of risk for the investment product, deal provided by the third party provider. These products may invest in a wide range of investments, including other funds, and the performance of the funds (including any income you may receive) is not guaranteed. The performance of the funds will depend on many factors, including the performance of underlying investments selected by the fund managers. Some funds may involve exposure to investments in emerging markets, smaller companies and/or exposures to different currencies which may involve greater risk to the value of your investment. You should fully consider all information provided by the fund about the risks that particular products may involve.
16.2.7. We are not responsible for, and we accept no liability in connection with, any act, omission, error or default by any investment product or any other third party in the provision of any product, deal or service, or the execution of, or any investment made by you. The provider of the product or service that you wish to purchase should provide you with all required information regarding the product or service as part of the process by which you make a purchase. This will include information on charges and expenses relevant to the product or service and the possible effect of those charges on the value of your investment over time. You should contact them directly should you require any further information about the product or service they offer. You accept that in doing so we have not and will not provide you with any advice or make any recommendation in connection with any product or service on the platform (including as to its suitability, adequacy or appropriateness for you or for any other person). Information on the platform is provided for general information purposes only and is provided to assist you to consider whether the product or service may be appropriate for your needs.
You must keep your account details safe
17.1. If you choose, or you are provided with, a personal identification number, user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any other person.
17.3. If you know or suspect that anyone other than you knows your personal identification number, user identification code or password, or has accessed your account, you must promptly notify us at firstname.lastname@example.org
18.1. If your mobile phone is lost or stolen, email us immediately at email@example.com so that we can freeze your card
18.2. If your card is lost or stolen, immediately login to your zeux app and click “freeze account” so that we can freeze your card
18.2.1. Regain access by clicking “unfreeze account” in the Zeux app.
18.3. If someone else finds out the PIN or if you think your card, card number or PIN may be misused, you must;
18.3.1. Without undue delay, freeze your card via the Zeux app or email firstname.lastname@example.org
18.3.2. If you do not have access to the mobile application you can:
188.8.131.52. Email us immediately at email@example.com so that we can freeze your card
184.108.40.206. Regain access by downloading the Zeux application on another mobile phone and follow the steps to ‘Forgot your PIN?’. Note this will send a security code to the new phone and reassigned the account to the new phone number.
18.4. You may not be liable for any use of the card, card number, PIN or mobile application by another person who does not have your permission to use it or if it is lost, stolen or destroyed, unless:
18.4.1. You agreed to that person having your card, card number, PIN or mobile application credentials, or through gross negligence or carelessness, failed to comply with condition 14, in which case you may be liable for any use that occurs before you tell us in accordance with these terms and conditions
18.4.2. You acted fraudulently then, to the extent permitted by law, you may be liable for misuse of the card, card number, PIN or mobile application.
18.5. If your card is used without your permission, or is lost, stolen or if you think the card may be misused, we may disclose to local law enforcement authority any information which we reasonably believe may be relevant.
18.6. We will not be liable for:
18.6.1. Any abnormal or unforeseeable circumstances outside our reasonable control (for example, a failure of computer systems which happens for reasons outside our reasonable control or any industrial action which happens for reasons outside our reasonable control) if this prevents us from providing its usual service
18.6.2. Any delays in transactions, deterioration of functionality, due to the loss of internet or data connections that prevent the Zeux mobile application was working as intended
18.7.In the event of termination of payment services,
18.7.1. Zeux will not have any transactions to complete upon termination of the payment services as the PISP service is a facilitator for the payment to be made. The transaction is performed by the customers’ bank to the merchants account. Similarly, AISPs, by definition, do not perform transactions, as such there is no transactions to be completed upon termination of payment services
18.7.2. Zeux will terminate all contracts with Merchants, in line with the agreement in place, following the terminations of the firms’ payment service. It will notify all users of the closure of the payment service via the contact details provided
18.8. In case of errors or disputes about transactions, please contact us at firstname.lastname@example.org
18.9. You will hold harmless and indemnify Zeux, its directors, officers, employees and agents against any and all claims, losses, damages, liabilities and expenses which Zeux may incur if and to the extent that such loss is caused by you or actions or omissions or by any inaccuracy or breach by you of any of the representations, warranties or covenants hereunder or in the documentation associated with your investments.
18.10. We will not be liable for:
18.10.1. Any abnormal or unforeseeable circumstances outside our reasonable control (for example, a failure of computer systems which happens for reasons outside our reasonable control or any industrial action which happens for reasons outside our reasonable control) if this prevents us from providing its usual service
18.10.2. Any delays in transactions, deterioration of functionality, due to the loss of internet or data connections that prevent the Zeux mobile application was working as intended
18.11. For queries related to the arrangement of your investments, please contact us at email@example.com
19.1. All users who register for our service, we are required to verify their identity (KYC)
19.2. We will verify your identity via our partner LexisNexis RIsk Solutions UK Limited, a company incorporated in England and Wales under registration number 07416642 the registered office of which is 1st Floor 80 Moorbridge Road, Maidenhead, Berkshire, SL6 8BW
19.3. We will search your record at credit reference and fraud prevention agencies. These searches are to check your identity and we do not carry out full credit reference checks or credit scoring for this purpose. We will use an automated decision-making system to assess your application and verify your identity
19.4. If we are unable to verify your identity adequately, we may ask you to provide some documentary evidence to help confirm your identity and address
19.5. Credit reference agencies may check the details you supply against any particulars on any database (public or otherwise) to which they have access. An unrecorded enquiry will be made. An unrecorded enquiry is a search that was not made for lending purposes. It does not affect your credit rating or score when you apply for credit. It is not seen by other lenders. It is included on your credit report so you know the search was made but does not affect your credit rating, or score, when you apply for credit
19.6. If you give us false or inaccurate information and we identify fraud, we will record this with fraud prevention agencies. Law enforcement agencies may access and use this information
19.7. The fraud prevention agencies will share records with other organisations. We and other organisations may access and use the information recorded by fraud prevention agencies overseas
19.8. Please contact us at firstname.lastname@example.org if you would like details of those credit reference and fraud prevention agencies. You have a legal right to these details
19.9. You have certain rights to receive a copy of any information we hold about you. Please contact us at email@example.com. We may charge you for this service
19.10. Some information held by credit reference and fraud prevention agencies will be disclosed to us and other organisations in order to prevent fraud and money laundering, by checking applications for credit, credit-related or other facilities, to verify your identity
19.11. The information held by these agencies may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 2018
19.12. When you have an agreement with us we may use the following types of information about you:
19.12.1. Information you give us or we already hold about you, including any phone number you call us from, which we may record
19.12.2. Information available about your usage or configuration of your mobile device, including the presence of other applications, unique device-identifying information, and any identifying cellular network, IP, wifi or bluetooth data
19.12.3. Information you give us explicit permission to access from your mobile device, including your contact list, photos, geo-location, data from your cameras or microphones (You may choose not to give permission to share this data, but it may restrict the usage of certain features of the mobile application)
19.12.4. Information from any social network or other online accounts that you choose to share with us
19.12.5. Information we receive when making a decision about your application or agreement, including information we receive from enquiries and searches made in your name with credit reference and fraud prevention agencies
19.12.6. Information (including details of payments and transactions) we may hold about any managed account or policy which you hold with or through us
19.12.7. Information we receive from anyone who is allowed to provide us with information about you
19.13. We will process, use, manage, control, release and record information about you to:
19.13.1. Search credit reference and fraud prevention agencies’ records (including information from overseas) to manage your account
19.13.2. Manage your accounts and policies, and manage any application, agreement or correspondence you may have with us
19.13.3. Carry out, monitor, analyse and improve our business
19.13.4. Contact you by post, by phone or email about other products and services which we consider may interest you, if you tell us that you to would like to receive marketing communications
19.13.5. Prevent fraud, money-laundering, terrorism and other crimes, and keep to any laws or regulations in any country
19.14. We may reveal information about you:
19.14.1. To any person working for us or our partners
19.14.2. To fraud prevention agencies
19.14.3. To any organisation which are responsible for any of our products which you hold
19.14.4. To any payment system under which we issue your card
19.14.5. If a payment is processed through a worldwide payment system, to certain authorities in order to detect and prevent terrorism (including authorities outside the UK)
19.14.6. To any person to whom we transfer any of our rights or obligations under any agreement we may have with you
19.14.7. To anyone you authorise us to give your information we hold about you to
19.14.8. Processing your information, as described above, may involve sending it to other countries outside of the EEA. In such circumstances we are responsible for making sure that your information continues to be protected
19.15. We will keep information about you for only as long as we need to or is required to meet legal obligations
How you may use material on our site or provided in relation to our service
20.1. We are the owner or the licensee of all intellectual property rights in our service, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved
20.2. You may print off one copy, and may download extracts, of any page(s) from our service for your personal use and you may draw the attention of others within your organisation to content posted on our service
20.3. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text
20.4. Our status (and that of any identified contributors) as the authors of content on our service must always be acknowledged
20.5. You must not use any part of the content on our service for commercial purposes without obtaining a licence to do so from us or our licensors
20.7. Save as expressly permitted by law, you must not reverse engineer or decompile any aspect of our service, including the technology and code associated with it. You can not impersonate any other person or create a false identity to use the service. Furthermore accessing our service through robots, scrapers or any other type of automation software is strictly prohibited
Do not rely on information on this service
21.1. The content of our service is provided for general information only and should not be relied upon as advice. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content of our service
21.2. Although we make reasonable efforts to update the information of our service, we make no representations, warranties or guarantees, whether express or implied, that the content of our service is accurate, complete or up to date
Our responsibility for loss or damage suffered by you
22.1. 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 and for fraud or fraudulent misrepresentation
22.2. You acknowledge that our service is provided free of charge and on an “as is” basis and that we are not liable to you for any loss of profit, loss of business or loss of opportunity or for any indirect or consequential losses (even if we or they were advised of the possibility that they might arise). We are not liable for the acts or omissions of any third parties.
We are not responsible for viruses and you must not introduce them
23.1. Although we make best efforts to develop our software we do not guarantee that our service will be secure or free from bugs or viruses
23.2. You are responsible for configuring your information technology, computer programmes and platform to access our service. You should use your own virus protection software
23.3. You must not misuse our service by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorised access to our service, the server on which our service is stored or any server, computer or database connected to our service. You must not attack our service via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our service will cease immediately
Rules about linking to our service
24.1. You may link to any page of our website, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it
24.2. You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists
24.3. You must not establish a link to our service that is not owned by you
24.4. Our service must not be framed on any other service, nor may you create a link to any part of our service other than what is available on the Zeux website at that time
24.5. We reserve the right to withdraw linking permission without notice
24.6. The service in which you are linking from must:
24.6.1. Comply in all respects with the law
24.6.2. Not contain any content that incites hatred against, promotes discrimination of, or disparages an individual or group on the basis of their race or ethnic origin, religion, disability, age, nationality, veteran status, sexual orientation, gender, gender identity or other characteristic that is associated with systemic discrimination or marginalisation
24.6.3. Not contain content that harasses, intimidates or bullies an individual or group of individuals
24.6.4. Not contain content that threatens or advocates for harm on oneself or others
24.6.5. Not contain content that seeks to exploit others
How to cancel your account with us / Account closure
25.1. You may cancel your account with us at any time by emailing us at firstname.lastname@example.org using the email address that you used when you signed up to the service
25.2. Extended periods of inactivity may result in your account being closed or suspended
25.3 For accounts that are inactive for a period of 6 months or more will closed.
Account activity is considered as one of the following includes one of the following:
– funds are added to your account
– withdrawing funds from your account
25.4 For accounts that are closed, a non-refundable £100 closure fee may apply. This shall be deducted from the balance remaining on the account at the time of closure.
Complaints handling process
26.1. If you would like to make a complaint about our service, you may do so by emailing email@example.com
26.2. To ensure this is correctly processed please clearly indicate by putting a prefix of “Complaint:” within the email subject line
26.3. We will acknowledge your complaint by email upon receipt and will subsequently investigate and send an initial response within 72 hours. We have in place a defined process for handling complaints, and we will keep you updated regarding the progress of the complaint at each stage of the process.
26.4. If you are not satisfied with the outcome of your complaint, you can contact the Financial Ombudsman Service by writing to Exchange Tower, London, E14 9SR; calling them on 0800 023 4567 or 0300 123 9123; emailing on firstname.lastname@example.org; or through their website www.financial-ombudsman.org.uk
Which country’s laws apply to any disputes?
General Terms and Conditions for Card Schemes Prepaid Cards
Issued by Cornercard UK Ltd.
These Terms and Conditions (“Agreement”) apply to you (“Cardholder”, “you”, “your”) as the holder of the personal, non-transferable Card Schemes branded, physical or virtual pre-paid card (the “Card”) issued by Cornercard UK Ltd. (“Issuer”, “we”, “us”, “our”) of 9th Floor, One Canada Square, Canary Wharf E14 5AA, UK. The Issuer is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (registration number 900186) for the issuing of electronic money (“e-money”). The Cardholder shall be deemed to accept the Agreement by using the Card. The Card shall remain the property of the Issuer and will be delivered by the Issuer or, on behalf of the Issuer, by a third party. The Cardholder is liable for paying all the applicable fees arising from using the Card under this Agreement. The Card charges and fee table (”Table”) is set out in Section 16 attached hereto and also published on a website – please refer to the back of your card for cardholder website details (“online account”).
If you have requested a physical payment card, the Card will be sent to you by post or provided to You in person. You must keep it in a safe place and protect it against unauthorised access or use by third parties. You may also receive for your physical card a secret personal identification number (“PIN”) separately by post or you may be able to retrieve it electronically (e-PIN). The Agreement, excluding Section 5, will terminate on the expiry date printed on the Card (“Expiry Date”) unless the card is auto-renewed. In this instance the T&C’s will remain valid unless the Card is cancelled. The Cardholder shall inform the Card Distributor immediately and in writing of any changes to its personal data or address.
The Card shall remain valid until the Expiry Date. If you receive a physical payment card, you must sign the Card as soon as you receive it. If the Card is replaced, the balance of the old Card shall be transferred to the new Card, after the deduction of any applicable fees, as indicated in the Table. The Card can be used up to the amount loaded on it. If the Card is reloadable, it can only be reloaded by the entity from which you have received the Card in order to pay you any incentives, wages, salary or similar that the Company owes you under a separate agreement you have with it. The available funds on the Card do not earn any interest. We have the right to review and change the loading and spending limits on the Card at any time and will notify you accordingly in your online account.
Use of Card
The Card can only be used up to the amount of the funds available on the Card. Should the amount nevertheless be exceeded, you shall repay the excess amount immediately and in full to us. It is your responsibility to ensure that there are sufficient funds on the Card to cover any spend, allowing for any foreign exchange fees and other applicable fees and charges under the Agreement. In order to start using the Card, you may be required to activate it as instructed on the card carrier.
You may purchase goods and services from affiliated merchants, by giving the Card details to the merchant over the Internet or telephone or using (for physical cards) the PIN or for lower amounts by using a contactless facility if your card displays the contactless identifier, (programme/merchant dependent). Depending on your card programme you may or may not use the Card for cash back facilities offered by some merchants. You should memorise and destroy the PIN-holder when you receive it. If you need to write the PIN down for future reference, you must never keep it with the Card nor disclose it to anyone, not even us. If you have not protected your PIN and your Card is used without your knowledge using the correct PIN, this may be classed as negligence for the purposes of Section 6.
We will be entitled to assume that a transaction has been authorised by You where (i) the magnetic strip on the Card was swiped by the retailer or the Card was inserted into a chip & PIN device; (ii) the PIN was entered or a sales slip was signed; (iii) relevant information was supplied to the merchant [or a payment initiation service provider] that allows them to process the transaction, for example, providing the retailer with the 3-digit security code on the back of the Card in the case of an internet or other non face-to-face transaction; or (iv) the Card is tapped against a Contactless-enabled reader and accepted by such reader.
Should your Card Scheme or programme allow, you may also withdraw (with your physical card) cash advances from authorised banks worldwide, use your card for cash back (programme/merchant dependent), or with the Card and the PIN, you may also make cash withdrawals from automatic teller machines (ATMs). The amount in cash that may be withdrawn shall be set by us in each individual case, irrespective of the Card spending limit. We shall charge a fee for withdrawals of cash as indicated in the Table. [Some ATMs may charge an additional fee, which is not included in the Table, however, will apply on top of the fees set out in the Table below.]
As instructed by the merchant, by signing the appropriate voucher when using the Card, by using the PIN or the contactless facility, or by giving the Card details to the merchant over the Internet or telephone, you acknowledge the correctness of the amount and authorise the transaction. Once you have authorised a transaction, the transaction cannot be stopped or revoked. You may in certain circumstances be entitled to a refund in accordance with the Agreement.
On receipt of notification of your authorisation of a transaction and the transaction payment order from the merchant and/or authorised bank, normally we will deduct the value of the transaction, plus any applicable fees and charges, from the available funds on the Card. We will execute the transaction by crediting the account of the merchant’s bank (or other payment service provider) by the end of the next business day following the notification. If the notification is received on a non-business day or after 4:30 pm on a business day, it will be deemed received on the next business day.
We reserve the right not to honour any transactions which do not comply with the Agreement. We are not liable if, for any reason, the affiliated merchants or authorised banks do not accept the Card, or accept it only partly, nor are we liable in the case of late delivery of, or failure to deliver, goods or services. In the event of disputes or complaints of any kind concerning goods or services, or the exercise of any right in this connection, you should contact the affiliated merchant and/or authorised bank. In particular, you shall not be released from your obligation to pay us the amounts shown on the e-statement in case of any disputes that may arise. The Card is an e-money product and as such it is not covered by the Financial Services Compensation Scheme. You may only use the Card for lawful transactions.
Processing of Transactions/Transaction Statement
All card transactions are displayed within the Zeux application. Each transaction will state the date, time and transactional amount. For card usage conducted in other currencies (other than the currency of the Card), you shall accept the exchange rate used by Card Scheme. .You may consult information on the applicable exchange rate after such change on the website of Visa Europe using the following link (http://www.visaeurope.com/en/cardholders/exchange_rates.aspx), or a link to which it refers. Changes in the exchange rate more favourable for you are applied without prior notification The exchange rates charged by the Card Issuer against the Euro can be compared at any time with the Euro foreign exchange reference rate as published by the European Central Bank (ECB) through the following website: https://www.cornercard.co.uk/forex . Information regarding the currency conversion charges are to be expressed as a percentage mark-up over the euro foreign exchange reference rates issued by the ECB and thus in virtue of the Regulation (EU) 2019/518 of the European Parliament and of the Council of 19 March 2019.
The exchange rate, where applicable to a transaction, will be shown in transaction details.
Upon request, Zeux can arrange (in cooperation with us) to send you monthly information (“e-statement”) by email setting out: (i) the amount of each transaction; (ii) the currency in which the Card is debited; (iii) the amount of any transaction charges including their break down, where applicable; the exchange rate used in the transaction by us and the amount of the transaction after the currency conversion, where applicable; and (iv) the transaction debit value date. If you would like us to provide you with the e-statement more often than monthly or not by email (or if agreed differently under this section 4, more often than agreed or in a different manner than agreed) then we may charge you a reasonable administration fee to cover our costs of providing the information more often or in a different manner.
Upon the expiry of the Card and termination of the Agreement, you may redeem all of the available funds on the Card free of charge, however, if you terminate the Agreement and make a redemption request before the Expiry Date, you will be charged a redemption fee in accordance with section 15. If you request redemption of the entire remaining balance, we will assume that it is your intention to terminate the Agreement and will cancel the Card.
We will deduct any redemption fee payable to us from the available funds on the Card and will normally issue a cheque made payable to you (posted to the address we have on record for you), or make an electronic transfer to a bank account that you nominate for the amount of the remaining available funds on the Card following the deduction of the redemption fee. We will not complete your redemption request if we believe you have provided false information, we are concerned about the security of a transaction, if the Card is not in good standing, or if there are insufficient available funds to cover the redemption fee.
If for any reason you have some available funds left following the termination of the Agreement, you may redeem them in full up to 6 years following the termination. As long as there are available funds, we will charge you an administrative fee for maintaining the funds in accordance with section 9 and a redemption fee if you request redemption more than one year after the termination.
We will only redeem funds to a European Economic Area bank account under your name and only after you demonstrate, to our satisfaction that you are the holder of the bank account.
Loss of the Card/Transaction Refunds
As soon as you become aware of any loss, theft, misappropriation or unauthorised use of the Card, PIN or other security details, you must notify Zeux as soon as possible by emailing email@example.com with the subject line “Unauthorised/Lost/Stolen Zeux card” and incident details. To deal with your incident, securely and effectively, you will be required to verify your identity. In the event of theft you must also report the theft to the police.
In case of non-authorisation of a particular transaction or if a transaction was incorrectly carried out, in order to get a refund you must contact Zeux as soon as you notice the problem by calling the number in the back of your Card, and in any case no later than 13 months after the amount of the transaction has been deducted from the Card.
We will as soon as practicable, (and no later than close of business on the business day after the day the refund was requested) refund any transaction deemed to be unauthorised and any associated transaction fees and charges payable under the Agreement subject to the rest of this section 6. If the refund request is received on a non-business day or after 4:30 pm on a business day, we will make the refund at the beginning of the next business day. If it is determined that the card was compromised due to negligence on Your part or that You acted in a fraudulent manner a full investigation will take place before any refund can be made. If we are liable for an incorrectly executed transaction, we will refund without undue delay the transaction and any associated transaction fees and charges payable under the Agreement. Depending on the circumstances, we may require you to complete a dispute declaration form. If it is determined that the card was compromised due to negligence on your part, or the outcome of an investigation determines that you have acted in a fraudulent manner, a refund will not be applicable. We may conduct an investigation either before or after any refund has been determined or made. We will let you know as soon as possible the outcome of any such investigation. If a transaction initiated by a merchant (for example, this happens when you use the Card in a shop) has been incorrectly executed and we receive proof from the merchant’s payment service provider that we are liable for the incorrectly executed transaction, we will refund as appropriate and immediately the transaction and any associated transaction fees and charges payable under this Agreement. We are not liable for any incorrectly executed transactions if we can show that the payment was actually received by the merchant’s payment service provider, in which case they will be liable.
We execute transactions in accordance with the transaction detail received. Where the detail was provided to us by you and it was incorrect, we will not be liable for incorrectly executing the transaction, but we will make reasonable efforts to recover the funds involved. In such a case we may charge you a reasonable fee to cover our administration costs, of which we will notify you in advance.
If you receive a late payment from another payment service provider (e.g. a refund from a retailer’s bank) via us, we will credit the Card with the relevant amount of any associated fees and charges so that you will not be at a loss.
We will limit your liability to £35 for any losses incurred in respect of unauthorised transactions subject to the following:
(i) You will be liable for all losses incurred in respect of an unauthorised transaction if you have acted fraudulently, or have intentionally or with gross negligence failed to: (a) look after and use the Card in accordance with the Agreement; or (b) notify us of the problem in accordance with this section 6.
(ii) Except where you have acted fraudulently, you will not be liable for any losses: (a) incurred in respect of an unauthorised transaction which arise after your notification to us; (b) arising where you have used the Card in a distance contract, for example, for an online purchase; (c) arising where the loss, theft or misappropriation of the Card was not detectable by you before the unauthorised transaction took place; (d) where we have failed to provide you with the appropriate means of notification; (e) arising where we are required by law (anticipated to apply from 14 September 2019) to apply Strong Customer Authentication but fail to do so. We are required to provide Strong Customer Authentication when you access online account, either directly or through an account information service provider (“AISP”), when you initiate an electronic transaction, directly [or when you initiate a remote electronic transaction through a payment initiation service provider (“PISP”)], or when you carry out any action through a remote channel which may imply a risk of payment fraud or other abuses. Where “Strong Customer Authentication” means authentication based on the use of two or more elements that are independent, in that the breach of one element does not compromise the reliability of any other element, and designed in such a way as to protect the confidentiality of the authentication data, with the elements falling into two or more of the following categories: (a) something known only by You (“knowledge”), (b) something held only by You (“possession”); (c) something inherent to You (“inherence”); it is used to make transactions more secure.
If our investigations show that any disputed transaction was authorised by you or you may have acted fraudulently or with gross negligence, we may reverse any refund made and you will be liable for all losses we suffer in connection with the transaction including but not limited to the cost of any investigation carried out by us in relation to the transaction. We will give you reasonable notice of any reverse refund.
In certain circumstances we may refuse to complete a transaction that you have authorised. These circumstances include:
- if we have reasonable concerns about the security of the Card or suspect the Card is being used in a fraudulent or unauthorised manner;
- if there are insufficient funds available to cover the transaction and all associated fees at the time that we receive notification of the transaction, or if there is an outstanding shortfall on the balance of the Card;
- if we have reasonable grounds to believe you are acting in breach of the Agreement;
- if there are errors, failures (mechanical or otherwise) or refusals by merchants, payment processors or payment schemesprocessing transactions, or
- if we are required to do so by law.
Unless it would be unlawful for us to do so, where we refuse to complete a transaction, we will notify you as soon as reasonably practicable that it has been refused and the reasons for the refusal, together, where relevant, with the procedure for correcting any factual errors that led to the refusal. Where the refusal is reasonably justified, we may charge you Refusal Fee when we notify you that your payment request has been refused.
You may also claim a refund for a transaction that you authorised provided that your authorisation did not specify the exact amount when you consented to the transaction, and the amount of the transaction exceeded the amount that you could reasonably have expected it to be taking into account your previous spending pattern on the Card, the Agreement and the relevant circumstances.
Such a refund must be requested from us within 8 weeks of the amount being deducted from the Card. We may require you to provide us with evidence to substantiate your claim. Any refund or justification for refusing a refund will be provided within 10 business days of receiving your refund request or, where applicable, within 10 business days of receiving any further evidence requested by us. Any refund shall be equal to the amount of the transaction. Any such refund will not be subject to any fee
Blocking of the Card
We may block the Card, in which case you will not be able to use it for any transactions, if we have reasonable concerns about the security of the Card or suspects the Card is being used in a fraudulent or unauthorised manner. Zeux will notify you on our behalf of any such blocking in advance, or immediately after if this is not possible, and of the reasons for the suspension unless to do so would compromise reasonable security measures or otherwise be unlawful. We will unblock the Card and, where appropriate, issue a new Card, PIN and other security features free of charge as soon as practicable once the reasons for the suspension cease to exist.
To comply with applicable Know-Your-Client-rules and Anti-Money Laundering Regulations, the Bank, the Issuer, the Card Distributor and/or any other business partner (the Partner ) who will introduce the Cardholder to the Card Distributor and the Issuer, shall be entitled to carry out all necessary verifications regarding the Cardholders identity. The above mentioned Partner and the Card Distributor may use a recognised agency for this verification purposes (details of the agency used will be provided to you on request). In this respect, the Cardholder’s personal data will be transferred to the Card Distributor and the Issuer and will processed also outside the United Kingdom
Except where provided otherwise in the Agreement, you shall send any information, communications or notifications using the information in section 15. Correspondence received after 5 pm or on a non-business day will be treated as having been received on the following business day. You require access to the Internet in order to manage the Card. We will send any information, communications or notifications to your e-mail address registered with us. Any changes to your address, e-mail, telephone number or other personal data we hold about you must be notified by you immediately and in writing in accordance with this section 10.
The Agreement and all communications will be in English. You may request a copy of the Agreement free of charge at any time during the contractual relationship. If we need to contact you in the event of suspected or actual fraud or security threats, we will first send you an SMS or email prompting you to contact our customer services team using the contact information we have been supplied with..
Changes to the Agreement/Termination
We (Cornercard UK ) reserve the right to amend the Agreement for any reason by giving you a two-month notice, such notice being communicated by Zeux via e-mail. You will be deemed to have accepted the changes if you raise no objection prior to the expiry of the notice. If you do not wish to accept the changes, you may terminate the Agreement immediately and without charge at any time prior to the expiry of the notice, but in any case the Agreement will automatically terminate at the end of the notice period if you do not accept the changes. At all other times you may terminate the Agreement at any time by giving a one-month notice in writing to Zeux at firstname.lastname@example.org and in accordance with section 10.
Governing Law and Jurisdiction
The Agreement, and your relationship with us under the Agreement, will be governed by the law of England and Wales. The parties agree to submit to the jurisdiction of the courts of England and Wales to resolve any legal matter arising from the Agreement. However, if you are resident in Scotland, you may use the courts of Scotland, and, if you are resident in Northern Ireland, you may use the courts of Northern Ireland.
In case you would like to make a complaint, please contact Zeux using the contact details in section 14 so we can resolve the issue. We will promptly send you a complaint acknowledgement and a copy of our Complaints Procedure. You may also request a copy of our Complaints Procedure at any time. Details of our Complaints Procedure can also be found on our website. You agree to cooperate with us and provide the necessary information for us to investigate and resolve the complaint as quickly as possible.
We will endeavour to handle your complaint fairly and quickly, however, if you are not satisfied with the outcome, you may contact the Financial Ombudsman Service at Exchange Tower, London E14 9SR; telephone: 0800 023 4567 or 0300 123 9 123; website: http://www.financial-ombudsman.org.uk; and e-mail: email@example.com.
The Issuer is a “trader” and “online trader” for the purposes of the Alternative Dispute Resolution for Consumer Disputes (Competent Authorities and Information) Regulations 2015 (“ADR Law”). The Financial Ombudsman Service is the only “ADR entity” that the Issuer is legally obliged and committed to use in order to resolve disputes with consumers for the purposes of the ADR Law. The Issuer does not agree to resolve disputes with consumers using any other ADR entity or similar entity. The European Commission’s online dispute resolution (“ODR”) platform is at:
https://ec.europa.eu/consumers/odr/main/?event=main.adr.show. The ODR platform can be used to resolve disputes between the Issuer and consumers.
https://ec.europa.eu/consumers/odr/main/?event=main.adr.show. The ODR platform can be used to resolve disputes between the Issuer and consumers.
Please refer to the Zeux app for your latest balance otherwise you can email us at firstname.lastname@example.org
You can contact Zeux for any questions related to your card at email@example.com
Third Party Payment Service Providers
This section 15 applies when you use the services of an AISP [or a PISP]. We may deny an AISP [or PISP] access to the online account connected to the Card for reasonably justified and duly evidenced reasons relating to unauthorised or fraudulent access to the online account by that AISP [or PISP, including the unauthorised or fraudulent initiation of a transaction]. If we do deny access in this way, we will notify you of the denial and the reason for the denial in advance if possible, or immediately after the denial of access, unless to do so would compromise reasonably justified security reasons or is unlawful. We will allow AISP [or PISP] access to the online account once the reasons for denying access no longer apply
|Payment by card in the UK||£0|
|Payment by card abroad (outside of the UK)||£0|
|ATM withdrawals in the UK||£0|
|ATM withdrawals abroad (outside of the UK)||£0|
|*Note: some fees may be charged by ATM operators.|
|Redemption Fee||Upon request|
Zeux Shopping Cashback Terms and Conditions
Currently we do not offer a cashback programme.
Zeux Premium Account Terms and Conditions
This information outlines the additional services we provide to our Premium Account customers. These terms and conditions are part of the legal agreement between you and Zeux and will apply once you open a Zeux Premium account.
1. Opening a Premium account
To open a Zeux Premium Account you must adhere to the following:
|Opening Premium Account Setup Fee (one-time)||£499|
|Ongoing Monthly subscription||£10|
|Minimum Account Balance at any time||£1000|
2. Premium account services
The following additional services are provided for Zeux Premium account customers:
- Free physical payment card
- Send and receive third party UK transfers
- Receive international transfers
- Dedicated customer support
3. Account Requirements and Fees
To open a Premium Account your address details will be verified using geolocation technology. If your proof of address cannot be verified via these means, you will be required to provide alternative evidence of your proof of address. We reserve the right to delay the opening of your Premium account until this requirement has been satisfied.
In order to enjoy the services of the Zeux Premium account, your account must maintain a minimum account balance of £1000 at any time.
In the event that your account balance falls below the minimum £1000 threshold:
- We will send you a notification to remind you within 5 days of occurrence
- If the minimum account balance has not been met within 30 days of occurrence, we reserve the right to temporarily freeze your account or reduce the Premium services until funds have been added to reach the minimum account balance requirement
The monthly subscription fee will be deducted every 30 days after the date you open your Zeux Premium Account from your account balance. The membership monthly fee is non-refundable.
It is your responsibility to ensure that there are sufficient funds in your account to pay the monthly subscription fee and to meet the minimum account balance requirements.
In the event that there is insufficient balance in your account to pay your monthly subscription fee:
- We will send you a notification to remind you within 5 days
- If the fee has not been paid within 21 days of it becoming due, we reserve the right to cancel your subscription
|Fees for International Payment||Fee|
|Transaction amount less than £20,000||£50|
|Transaction amount between £20,000 and £100,000||£100|
|Transaction amount between £100,000 and £300,000||£200|
|Transaction amount above £300,000||£400|
If you have any questions or require further assistance with your Premium account please email us at: firstname.lastname@example.org