This document contains the full User Agreement and Transaction Terms governing your use of services provided by AlicoRemit . Please read it carefully before using our services.

Part A – User Agreement

1. About this User Agreement

1.1 About us. We are AlicoRemit (Alico uk ltd ) a company incorporated in England and Wales (Company Number 4402104), with registered office at 383a Green Street, London E13 9AU, UK. We are authorised and regulated by the Financial Conduct Authority (FCA number 535954) to provide payment services, and registered with the Information Commissioner’s Office (ICO number Z1510612).

1.2 What this Agreement covers. This Agreement sets the terms on which we provide, and you may use, our services (the Services). By accepting this Agreement electronically, you agree to be bound by it. If you do not agree, you must not use our Services.

1.3 Defined terms. Capitalised terms have the meanings given in this Agreement.

1.4 Other documents. When you use our money transfer service (Money Transfers), the Transaction Terms in Part B apply in addition to this Agreement. Please also review our Privacy Policy (https://www.alicoremit.com/gb/en/home/policy) and Cookie Policy (https://www.alicoremit.com/gb/en/home/cookies).

1.5 Key Service Information. Helpful information about Money Transfers is available on our Key Service Information (KSI) page (https://www.alicoremit.co.uk/gb/en/home/key-service-information). The KSI is not part of this Agreement.

2. How we communicate with you

2.1 Contacting us. You can contact us:

• Online: https://www.alicoremit.co.uk/gb/en/help#contact
• By phone: +44 20 8470 9333 / +44 20 8470 9300
• By post: 383a Green Street, London E13 9AU, UK, Attn: Customer Services

2.2 Urgent/security issues. If you suspect fraud, unauthorised use, or a security breach, contact us by phone immediately. Forward phishing emails to abuse@alicoremit.com. We will never ask for your portal password or payment details.

2.3 Equipment. To use the Services you need compatible equipment (e.g., smartphone, tablet, or computer) with internet access.

2.4 Electronic communications. We communicate by email, SMS, website, mobile app, and portal. If you withdraw consent to electronic communications, you will not be able to use our Services.

2.5 Language. We provide Services and agreements in English only.

2.6 Notices. Notices are deemed delivered within 24 hours of posting online/email/SMS, or 3 business days after posting by mail.

3. How to begin using our Services

3.1 Profile creation. To use our Services you must create a Profile, provide accurate and truthful information, and set up security credentials. You must be at least 18 and UK resident.

3.2 Portal access. After registration you can access your personal Portal via our website or mobile app. The Portal is not a bank account and cannot hold funds.

3.3 Payment Instrument. You must add a valid Payment Instrument (e.g., bank account, debit/credit card, or authorised open banking method) and authorise us to debit it for fees and payments.

3.4 Verification. We may make test transactions to verify your Payment Instrument, which will be refunded.

4. General requirements

• Use Services only for yourself. Do not open accounts for others.
• Services are for personal (non-business) use only.
• Keep your information accurate and updated.
• You may need to enter agreements with service providers (e.g., banks, ISPs).
• Services cannot be used in prohibited countries or by restricted persons.

5. Security

• Authenticate access to your Profile/Portal as instructed.
• Keep your credentials and devices secure.
• You may use fingerprint/biometric login if available, ensuring only your biometric is registered.
• We may suspend services for maintenance, compliance, or security.

6. Paying for our Services

• Fees apply depending on the Service. You will be informed before use.
• Accepted Payment Instruments: debit/credit cards or UK bank transfers (Faster Payments).
• Open banking or manual bank transfers may be required.
• You are responsible for Service Provider fees (e.g., card cash advance fees).
• Taxes must be complied with by you.

7. Duration and termination

• This Agreement starts when accepted and continues until terminated.
• You may close your account at any time.
• We may terminate with 2 months’ notice.
• Obligations such as unpaid fees survive termination.

8. Changes to Services or Agreement

• We may make general or material changes.
• Material changes require 2 months’ notice unless otherwise required by law.
• Continued use after updates means acceptance.

9. Intellectual property

• All rights in Services, website, and app belong to AlicoRemit or partners.
• You may not copy, modify, or misuse intellectual property.
• Feedback you provide belongs to AlicoRemit.

10. Disclaimers & liability

• Services are provided “as is”; we cannot guarantee uninterrupted or error-free use.
• We are not liable for business/commercial losses.
• We remain fully liable for fraud, gross negligence, or death/personal injury caused by us.

11. Disputes

• Contact complaints@AlicoRemit.co.uk for disputes.
• You may escalate unresolved complaints to the Financial Ombudsman Service (https://www.financial-ombudsman.org.uk/).
• English law applies, and disputes are subject to UK jurisdiction.

 

Part B – Transaction Terms

1. About these Terms

These Transaction Terms apply each time you use our Money Transfer service. They are in addition to the User Agreement.

2. How Money Transfers work

• You can send money to supported countries via your Portal.
• You pay the Transfer Amount plus any Service Fee.
• Recipients (Recipients) may collect funds via bank deposit, mobile wallet, cash pickup, or delivery.
• You should only send to people you know. Do not send on behalf of others or for business purposes.

3. Restricted activities

Restricted activities include:

• Illegal/fraudulent use (e.g., money laundering, terrorism financing).
• Commercial use.
• Providing false or misleading information.
• Using anonymisers, bots, or unauthorised access.

We may suspend or terminate your account, cancel transactions, or report to authorities if you engage in restricted activities.

4. Fees & Payments

• We charge a Service Fee, disclosed before you confirm a transaction.
• Fees and exchange rates are shown in the Portal at the time of use.
• If insufficient funds are available or incorrect payment details are given, transactions may be delayed or cancelled.

5. Safeguarding your money

AlicoRemit is not a bank. We safeguard your funds in accordance with FCA requirements. We maintain a banking instrument issued by ClearBank (UK) to ensure your money is protected and returned to you in the unlikely event that AlicoRemit becomes insolvent.

6. Refunds and errors

• You may cancel a transfer before completion; we will attempt to refund within 3 Business Days.
• Refunds are credited to your original Payment Instrument.
• If you provide incorrect information, recovery is not guaranteed.
• Unauthorised or incorrect transactions must be reported within 13 months.

7. Governing law

These Terms are governed by English law. Disputes may be brought in the courts of England & Wales, Scotland, or Northern Ireland, depending on your residence.