The Standard Terms and Conditions mentioned on this page shall determine, manage and regulate your use of our remittance services and our website/s,  https://tumatuma.com/terms/ 
These Terms and Conditions shall act as an agreement between you, our sender, the recipient, and our organization, TumaTuma Ltd T/A is a limited company registered in England and Wales, Companies house number 15392915.

TumaTuma Ltd is a registered PSD Agent holding (FRN 1030968) and acts on behalf of GCC Exchange UK Ltd (FRN 596446) to provide secure and reliable money remittance services. We are committed to regulatory compliance and employ strict anti-money laundering and counter-terrorist financing measures to ensure the security of your transactions.

All of the terms mentioned on this page shall be applied with full affect. By using our Super App, website and our services, you have agreed to accept all the Terms and Conditions that have been mentioned on this page.

1. Definitions and Meanings: 

1.1. Remittances for this site is generated  Tuma Tuma.

1.2. Tuma Tuma : These refer to Tuma Tuma. nd other apps that we provide the services of cross border payments and remittances. 

1.3.  Tuma Tuma website(s): These refer to any websites/URL such as  https://tumatuma.co.uk/ and others, that are created, owned and operated by  Tuma Tuma  or its subsidiaries or partners and are used to provide services to our Clients. 

1.4. Terms and Conditions: These refer to all of the points of information, rule, regulations and amendments mentioned on this page and act as an agreement between the Clients and the organization. 

1.5. Customer Service: This refers to the availability of assistance and advice provided by our company to our Clients which can be reached via emaitu
info@tuma.co.uk or by calling at +44 (0)2080872043

1.6. Privacy Policy: This refers to the policies adopted by TumaTuma in regard to processing and regulating the personal and company data provided to us. These policies shall be further clarified throughout this page.

2.  Tuma Tuma Overview:

2.1. Tuma Tuma was incorporated in 2006 as a private limited company under registration No 5833131 in England and Wales. The company is regulated by the UK Financial Conduct Authority (FCA) for the provision of money transfer services (firm Ref No. PSD/627378) and regulated as a Money Service Business with HMRC (Money laundering Registration No. 12137767).

3. About the Terms and Conditions:

3.1. These Terms and Conditions regulate the use of all the services provided by Tuma Tuma - whether it be face to face, online, via telephone or any other means of providing service.

3.2. Tuma Tuma primarily provides services to transfer money between countries. These Terms and Conditions solidify this claim.

4.  TumaTuma Opening:

4.1. The procedure to sign-up to Tuma Tuma requires you, our Client, to provide all of the necessary details mentioned in our sign-up form and also to accept these Terms and Conditions. The type and detail of information required can vary according to the additional services requested by you from our organization. 

4.2. All the information provided during the sign-up and verification process, as well as all the additional data that may be required for particular services, must be accurate and correct. 

4.3. The use and regulation of this information shall be managed under the Terms and Conditions of our organization and the governing law of Nepal and other countries that you sign up from as per the various companies that we have registered in different countries. This shall be further clarified below.

5. Client Account Maintenance and Safety:

5.1. The Client must ensure that all the information provided to Tuma Tuma is accurate, correct and up-to-date. 

5.2. The organization may communicate with the Client using the data they have provided. It is the duty of the customer to read any messages sent by the organization. 

5.3. The Client can track all of their transactions on  Tuma Tuma via their respective mobile app or customer portal on https://tumatuma.co.uk/ .

5.4. Along with transactions processed, all fees charged are also shown in the Phone app and/or customer portal. The Client should regularly check their  Tuma Tuma balance and transaction statement and report to our Customer Service in the occurrence of any irregularities or if they wish to get clarification.

5.5. If the Client claims a refund for an unauthorized transaction or incorrectly executed transfer on  Tuma Tuma, they must notify our organization as soon as they become aware of the situation and no later than thirty (30) days from the date of the transaction/transfer. 

5.6. It is the responsibility of the Client to take any reasonable steps in ensuring the secrecy of their login details. The Client should never disclose their login details to anybody. 

5.7. The Client should change their login password in regular intervals (every 3-6 months) to reduce the possibility of a security breach. 

5.8. In the case that the Client suspects that their login details have been lost, stolen or altered, they should immediately contact  Tuma Tuma’s Customer Service and file a report. 

5.9.  Tuma Tuma holds and may exercise the right to suspend/close or limit some of the functionalities of the Client’s account in the case that it is suspected that any of the security features of the organization have been compromised. In this case, Tumatuma will inform the Client about this restriction or suspension as soon as possible. 

5.10.  Tuma Tuma holds the right to suspend entirely or limit some of the functionalities of a Client’s account on reasonable grounds relating to the unauthorized or fraudulent use of its services or if the Terms and Conditions have been breached by the Client. 

6.  Tuma Tuma Closing:

6.1. The Client has the right to request for the termination of their TumaTuma account any time that they see fit. In order to do so, the Client must contact the Customer Service and follow further instructions. 

6.2. If the Client’s Tuma Tuma account shows a positive balance at the time of its closure, we will arrange funds to be transferred to an external account. This external account’s account holder name must be as per the Client’s Tuma Tuma holder name. 

6.3.  Tuma Tuma holds the right to carry out any necessary money laundering, terrorism financing, fraud or other illegal activity checks before authorizing any withdrawal of Client’s funds, including in relation to returning any funds to the Client after the closure of the Tuma Tuma. 
7. Receiving Funds to  Tuma Tuma  Account:
7.1. The Client can transfer funds either paying in card or bank transfer from their own card/bank account only.  Tuma Tuma will only accept funds received from the Client, thus excluding third party payments. In order for us to facilitate the transfer, the Client must state the reference code as the description of the transfer.
7.2. Limits for receiving funds are defined depending on the Client’s account type. Please consider the section “ Tuma Tuma Types” of these Terms and Conditions for more details.
7.3. Receiving funds are subject to fees. Please refer to the section “ Tuma Tuma Fees” of these Terms and Conditions for more details.
7.4. Tuma Tuma holds the right to carry out any necessary money laundering, terrorism financing, fraud or other illegal activity checks before authorizing the transaction and crediting funds to the Client’s account.

8. Sending Funds from  Tuma Tuma:
8.1. The Client will be asked to provide details of the recipient of the funds in order to initiate the transfer of funds. The Client must take great care to properly type the exact details of who they wish to send the money to . Tuma Tuma shall not be liable for any error the Client makes when entering the recipient’s details.
8.2. Sending funds from Tuma Tuma is subject to fees and limits. Please consider the section “ Tuma Tuma Fees” of these Terms and Conditions for more details.
8.3. Recipients of the Client’s transfers must be in compliance with any applicable laws and regulations. It is the Client’s responsibility to ensure the appropriate level of controls and ensure the compliance of the transaction. In case of any doubts, the payment request should not be processed.
8.4. Tuma Tuma reserves the right to carry out any necessary money laundering, terrorism financing, fraud or other illegal activity checks before authorizing the transaction and transferring funds from the Client’s account.

9. Restricted Transactions:
9.1. Tuma Tuma holds the right to suspend or terminate Customer’s Tuma Tuma Services at any time if we reasonably believe to be required to do so by law or in order to comply with recommendations issued by a relevant government authority or recognized body for the prevention of financial crime.
9.2. The Client’s Tuma Tuma Services cannot be used for any illegal purposes. It is strictly forbidden to send or receive payments as consideration for the sale and/or supply of: tobacco products, prescription drugs, drugs and drug paraphernalia, weapons (including without limitation: knives, guns, firearms or ammunition), satellite and cable TV descramblers, pornography, adult material, material which incites violence, hatred, racism or which is considered obscene, government IDs and licenses including replicas and novelty items and any counterfeit products, unlicensed or illegal lotteries or gambling services (including without limitation the use of or participation in illegal gambling houses), unregistered charity services, items which encourage or facilitate illegal activities, prepaid debit cards or other stored value cards that are not associated with a particular merchant and are not limited to purchases of particular products or services, third party processing or payment aggregation products or services, multi-level marketing, pyramid selling or ponzi schemes, matrix programmes or other “get rich quick” schemes or high yield investment programmes, goods or services that infringe the intellectual property rights of a third party, uncoded/ miscoded gaming timeshares or property reservation payments (On and Off Plan). We hold the right, in our sole discretion, to add categories of prohibited transactions and items by adding such categories either to these Terms of Conditions or an acceptable use policy published on the website. TumaTuma is committed to report any suspicious activity to the relevant law enforcement agency as per the laws of the country.

9.3. The Client is strictly forbidden from engaging in data mining, data harvesting, data extracting or any other similar activity in relation to this Website
9.4. If the Client attempts or conducts any transaction in violation of the prohibited transactions mentioned in these Terms and Condition, we will reserve the right to: suspend and/or close the Client’s Tuma Tuma Services, reverse any relative transactions and/or report the transaction and the Client’s account to the relevant law enforcement agency.
9.5. The recipient(s) of Client’s transfers must be in compliance with any applicable laws and regulation. It is the Client’s responsibility to ensure the appropriate level of controls and to ensure the compliance of the transaction with the respective Terms and Conditions and laws. In case of any doubt, the payment request shall not be processed and/or completed.

10. Payment of Fees:
10.1. The full list of fees applicable to the Client will be listed in the app and/or the website before making the transaction.
10.2. All of the aforementioned fees are subject to change as per the organization’s requirements or as per the laws of Nepal.
10.3. Fees will be deducted from the Client’s Tuma Tuma account. If any transaction fees apply, they shall be debited from the Client’s account as soon as the transaction is executed. In the case of insufficient funds being available in the Client’s account, the transaction shall be refused.

11. Transaction Limits:
11.1. The transaction limits for receiving and sending funds are set as per Client, based on individual profiles/accounts. The Client should be aware of the limitations in place before executing any transactions.

12. Intellectual Property Rights:
12.1. Other than the content you (the Client) own, under these Terms and Conditions, Tuma Tuma and/or its licensors own all the intellectual property rights and materials contained in this Website.
12.2. You are granted limited license only for purposes of viewing the material contained on this Website and for using the services of our organization.

13. Regulating Client Data:
13.1. Tuma Tuma Privacy Policy regulates and controls the manner in which our organization collects, processes, manages, uses and protects the data you decide to share with us. By agreeing to these Terms and Conditions, you also agree to our privacy policy and consent on our handling of the data you provide to us.

14. Electronic Fund Transfers (EFTs) and Account Balances. 
Tuma Tuma partners with financial services software company Sila Inc. (Sila) and banking services provider Evolve Bank & Trust (Evolve), member FDIC, to offer you electronic fund transfers (EFTs). By creating a Tuma Tuma account and initiating bank deposits or withdrawals, you agree to Sila’s terms of service,  https://www.silamoney.com/legal/terms-of-service, and Evolve’s demand deposit account agreement,  https://www.silamoney.com/legal/evolve-customer-account-agreement, (together, the “Partner Terms”). You must comply with the Partner Terms when creating or using your TumaTuma Account. The Partner Terms may be modified from time to time, and the governing versions are incorporated by reference into these Terms & Conditions. Any term not defined in this section but defined in the Partner Terms assumes the meaning as defined in the Partner Terms. IT IS YOUR RESPONSIBILITY TO READ AND UNDERSTAND THE PARTNER TERMS BECAUSE THEY CONTAIN TERMS AND CONDITIONS CONCERNING YOUR TUMATUMA ACCOUNT, INCLUDING BUT NOT LIMITED TO LIMITATIONS, REVERSALS, AND ARBITRATION PROVISIONS, AND YOUR RELEVANT RIGHTS AND LIABILITIES. 

15. OPT-IN to receiving OTP, information, promotion campaigns and in

15.  Tuma Tuma Liability:
15.1. We will refund the payment amount and all deducted fees in the case of an unauthorized or an incorrectly executed payment due to an error on our side. This does not apply in the following situations:
15.1.1. If the unauthorized payment is a result of your failure to keep your Tuma Tuma account login details secure.
15.1.2. If you do not notify us within a reasonable time period after you have gained knowledge about any loss of your Tuma Tuma account login details or any other situation or occurrence that may prejudice your account’s security. In this situation you will be liable for losses incurred up to your notification to us.
15.1.3. If you compromise the security of your Tuma Tuma account with intent or gross negligence, thus resulting in an unauthorized transaction, you are to be considered solely liable for all losses.
15.1.4. If you do not inform us or bring to our attention an unauthorized or incorrect transaction by thirty (30) days from the transaction date, you will solely liable for all losses.
15.2. If you notify us of any suspicious behavior on your account and after this notification an unauthorized or incorrect transaction is to occur, we shall remain liable and refund the amount immediately to you.
15.3. In case our service or our intermediary services are disrupted, we shall not be liable if the disruption is related to unforeseeable circumstances beyond our reasonable control.
15.4. Tuma Tuma shall not be responsible for any losses connected to our compliance with legal and regulatory requirements and we shall not be liable for any indirect or consequential losses as loss of profit, loss of business and loss of reputation.
15.5. Tuma Tuma is to be consider obliged under these Terms and Conditions only in relation to providing money transfer services and ancillary foreign exchange services.
15.6. You will be liable to compensate and reimburse us in case we incur or suffer losses from you breach of these Terms and Conditions.
15.7. We shall not be liable for the assessment or payment of any taxes, duties or other charges that arise from the underlying commercial transaction between you and another Tuma Tuma Client.

16. Termination and Suspension:
16.1. Tuma Tuma holds the right to suspend your account in the following cases:
16.6.1. For security reasons and if we suspect that your Tuma Tuma  account has been somehow compromised.
16.1.2. In case we believe or suspect that your Tuma Tuma account has been used without your knowledge or fraudulently. In this case we will notify you before process the account suspension. If prior notification is not possible, we will inform you as soon as possible after suspension unless such notification is prohibited by law.
16.2. Tuma Tuma holds the right to terminate your account with no notice in the following cases:
15.2.1. If any of the conditions indicated in these Terms and Conditions are breached by you.
15.2.2. If we believe or we have proof that you are in violation of any law or regulation applicable to the use of our services.
15.2.3. If we believe or we have proof that you are involved in any way in a fraudulent activity, money laundering or other criminal activity.

17. Handling of Complaints:
17.1. If you wish to make a complaint about any aspect of Tuma Tuma, you may submit your complaint by sending an email to our Customer Service; email address: info@tumatuma.com

17.2. We will acknowledge the reception of your complaint within 2 business days by email. The complaint will be recorded on our system and we will investigate your complaint and come back to you with the results of our investigation no later than thirty (30) business days of receipt of your complaint.

18. Indemnification:
18.1. You hereby indemnify to the fullest extent  Tuma Tuma from and against any and/or all liabilities, costs, demands, causes of action, damages and expenses arising in any way related to your breach of any of the provisions of these Terms.

19. Severability:
19.1. If any provision of these Terms and Conditions is found to be invalid or unenforceable under any applicable law of the country, such provisions shall be deleted without affecting the remaining provisions herein.

20. Variations to the Agreement:
20.1. TumaTuma is permitted to revise and amend these Terms and Conditions at any given time as seen fit by the organization.
20.2. Any changes made to the Terms and Conditions shall be notified to you via email.
20.3. As a user of our website and services, you (our Client), will be expected to review these terms on a regular basis.

21. Government Law and Jurisdiction (For US Customer Only ):
21.1. The Terms and Conditions mentioned in this page are governed and interpreted in accordance with the laws of USA and shall be subject to changes and amendments in accordance with the law.
21.2. The settlement of any disputes between the Clients and the organization shall be made in accordance with the aforementioned Terms and Conditions and the laws of the country.