1. Terms and Conditions
   
   
   • These Terms and Conditions (“Terms”) govern your access to and use of the DT&T Corporation website, including our mobile application (“App”), and the services associated with it (collectively, the “Service”). By accessing, registering with, or using the Service, you agree to be bound by these Terms. If you do not agree, you must not access, register with, or use the Service. The language of these Terms is English, and all Services, instructions, and transactions shall be conducted in English.
     
     
   • The terms “DT&T Corporation,” “we,” “us,” and “our” refer to DT&T Corporation Ltd, including its employees, directors, affiliates, successors, and assigns.
     
     
   • The terms “you” and “your” refer to users of the Service, including Senders, Recipients, and visitors to the website.
     
     
   • These Terms take effect when you first access, register, or use the Service. We may update these Terms from time to time without prior notice. Changes will take effect two months from the date they are made and will not alter the terms of any previously completed transactions.
     
     
   • The Service facilitates money transfers for personal use, allowing customers to send and receive funds from family and friends. For security reasons, we strongly recommend only sending money to individuals you know personally. The Service must not be used for payments to unknown sellers of goods or services.
     
     
2. Definitions
   
   

App: The DT&T Corporation mobile application for sending Payment and Transaction orders.

Business Day: Any day when we are open for processing Transactions and Payment orders.

Destination Country: The country where the Recipient receives funds via the Service.

Instruction: A Transaction order.

Local Taxes: Any taxes or charges payable in the Destination Country.

Recipient: An individual receiving funds through the Service.

Payment Instrument: A valid means of payment, such as a bank account, debit card, or credit card.

Pay-out Amount: The amount received by the Recipient, excluding the Service Fee and after currency conversion.

Sender: An individual using the Service to send money.

Service Fee: DT&T Corporation’s transaction fees and applicable charges.

Service Provider: A third-party financial institution or money service provider in the Destination Country.

Transaction: A transfer of money via the Service.

Transaction Amount: The amount the Sender wishes to send before fees and currency conversion.

Transaction History: A record of past Transactions accessible via login.

Transaction Order: A specific request to send money to a Recipient through the Service.

3. About Us: Regulation and Licensing
   
   
   • DT&T Corporation Limited is registered in England and Wales under company number 04542542. Our registered office is located at 3 Harbour Exchange Square, London, E14 9GE.
     
     
   • We are authorised and regulated by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011, with Firm Reference Number 901018, for the provision of payment services.
     
     
   • DT&T Corporation Limited operates under the trading name “DT&T.”
     
     
   • Customer funds are safeguarded in dedicated client money accounts held with major commercial banks. However, we are not covered by the Financial Services Compensation Scheme (FSCS) as we do not operate as a bank.
     
     
4. Nature and Scope of Our Services
   
   
   • We provide business customers with an electronic account to send and receive payments globally. However, we do not offer financial or investment advice.
     
     
   • Any information provided on our website or by our employees should not be considered financial advice or a recommendation for any transaction.
     
     
   • You are responsible for assessing whether a DT&T transaction is appropriate for your business. We do not provide advisory services and are not responsible for your decision to engage in a transaction.
     
     
   • We may outsource certain administrative functions to third-party service providers approved by our Board of Directors. We ensure that these third parties comply with our operational and regulatory standards, but we remain responsible for managing your account under these Terms.
     
     
   • Foreign exchange rates fluctuate beyond our control. Past exchange rate trends are not indicative of future movements.
     
     
5. Account Application
   
   
   • We reserve the right to decline any DT&T Business Account application without providing a reason.
     
     
   • If your application is incomplete, your account will not be opened until all required information is provided. Missing details must be submitted within 30 days of the application date; otherwise, the application will lapse, requiring re-submission.
     
     
6. Customer Identification and Compliance
   
   
   • Under UK law, we must verify customer identities to prevent money laundering and terrorist financing. We may request identification documents for you, your business, directors, shareholders, and ultimate beneficial owners.
     
     
   • We verify personal and business details using third-party sources. This may include sharing data with credit reference agencies for identity verification purposes. However, we do not perform credit checks, and your credit score will remain unaffected.
     
     
   • All customer information is processed securely in compliance with the General Data Protection Regulation (GDPR).
     
     
   • By agreeing to these Terms, you authorise us to conduct necessary inquiries to verify your identity before opening your account. Verification may require additional documentation or confirmation of business ownership through third-party databases.
     
     
   • You are responsible for ensuring that the information in your DT&T Business Account is accurate and up to date. If your identification documents expire, we may request updated information or require re-verification. We are not liable for any losses resulting from outdated or inaccurate account details.
     
     
7. Your Right to Cancel
   
   
   • You have the right to cancel your Business Account within 14 days from the date we accept your application. To cancel, you must notify us in writing at 3 Harbour Exchange Square, London, E14 9GE, or via email at legal@dttcl.com.
     
     
   • We will refund any remaining balance in your Business Account, deducting any transactions and fees incurred before the account closure.
     
     
   • Refunds will not be provided for transactions that are irrevocable or initiated but not completed before account closure.
     
     
8. Managing Your Account
   
   
   • You are fully responsible for monitoring and managing your DT&T Business Account, including any active instructions.
     
     
   • You must inform us immediately if you become aware of any loss, theft, or unauthorized use of your PIN, Customer Number, or username.
     
     
   • Notify us promptly if you do not receive confirmation of a submitted or executed instruction within the expected timeframe.
     
     
   • Report any discrepancies in your account balances, statements, transaction history, or personal data related to your account.
     
     
   • You must ensure that your account information is accurate and up to date. We may request confirmation or supporting documents at any time.
     
     
   • Transactions, including fund uploads, received payments, sent payments, and direct debits, will be displayed in your online transaction history, along with transaction details, fees, and applicable exchange rates.
     
     
   • You must take reasonable steps to keep your account credentials secure. We will never request your password, and any such request should be reported to us immediately.
     
     
   • We may suspend or restrict your account for security reasons or if unauthorized or fraudulent activity is suspected.
     
     
   • We will notify you of any suspension or restriction unless doing so would violate legal or security requirements. We will restore account functionality once the issue is resolved.
     
     
   • You agree to pay applicable fees for each transaction. Service fees are non-refundable unless explicitly stated otherwise in these Terms and Conditions.
     
     
   • Currency exchange transactions may include a margin, and we guarantee the payout amount in local currency.
     
     
   • You must ensure the correct currency is used for transactions, as delays, additional charges, or exchange rate differences may apply.
     
     
   • You may be required to maintain a minimum balance in your Business Account, which will not accrue interest.
     
     
9. Funding Your Account
   
   
   • To fund your account, log into your DT&T Business Account and follow the on-screen instructions. Available payment methods depend on your account settings and country of residence.
     
     
   • Fees may apply when adding funds, and no interest will be paid on your balance.
     
     
   • We are not responsible for funds until they are received in our bank account.
     
     
   • Funding methods may change or be discontinued without prior notice.
     
     
   • Payment instruments used for funding must be in your name. Unauthorized use of third-party payment instruments may be treated as fraud.
     
     
   • Chargeback rights may only be exercised in cases of unauthorized transactions. If a chargeback is raised without valid grounds, we may charge an investigation fee.
     
     
   • Funds will be credited upon receipt but may be subject to reversal if actual funds do not arrive within a reasonable timeframe.
     
     
   • Funding transactions may be subject to dynamic limits based on security and legal requirements.
     
     
   • Cash deposits are prohibited. A fee of £100 may apply for any violation.
     
     
   • DT&T cards cannot be used to fund DT&T Business Accounts.
     
     
10. Sending Payments
    
    
    • Payments must be initiated from your DT&T Business Account using your login credentials.
      
      
    • Recipients must have a valid identification method (e.g., email, phone number, or bank details).
      
      
    • You must provide accurate recipient details, including full name, bank account information, and transfer amount.
      
      
    • We rely on the provided details to process payments and are not responsible for errors made by you.
      
      
    • Before confirming a transaction, you will receive details of the applicable exchange rate and fees.
      
      
    • The estimated recipient payout may differ due to additional fees imposed by receiving banks or service providers.
      
      
    • Transfer limits may apply based on regulatory requirements.
      
      
    • Payment orders received after 6 PM on a business day or on non-business days will be processed the next business day.
      
      
    • Once a payment order is submitted, you will receive confirmation via email.
    • Payments will only be processed if sufficient cleared funds are available in your account.
      
      
    • Estimated completion times are provided at the time of transaction setup.
      
      
    • If we cannot complete a payment, we will notify you with possible reasons and corrective actions.
      
      
    • If you provide incorrect recipient details, we are not responsible for funds sent to the wrong recipient.
      
      
    • If an error is made by us, we will take corrective action at our expense.
      
      
11. Receiving Funds
    
    
    • Received payments will be displayed in your transaction history along with relevant details.
      
      
    • Received funds may be subject to reversal in cases of chargebacks or disputes initiated by the sender.
      
      
    • Fees may apply to received payments, including currency exchange fees.
      
      
12. Withdrawing Funds
    
    
    • Withdrawals can be initiated through your DT&T Business Account using available methods.
      
      
    • Withdrawal methods may change or be discontinued without notice.
      
      
    • We act as the payer, not a payment service provider, in withdrawal transactions.
      
      
    • Withdrawal limits may apply based on security and regulatory requirements.
      
      
    • Fees may be charged for withdrawals, including currency conversion fees.
      
      
    • You must provide accurate withdrawal details. We are not responsible for funds sent to the wrong recipient due to incorrect details provided by you.
      
      
13. Direct Debit
    
    
    • Direct Debit is an additional service, and we reserve the right to determine eligibility.
      
      
    • Direct Debits can only be set up from DT&T GBP Business Accounts.
      
      
    • It is your responsibility to maintain sufficient balance for Direct Debit payments.
      
      
    • You can cancel a Direct Debit up to two business days before the due date. You must also inform the payee.
      
      
    • If you fail to cancel in time, we are not responsible for processed payments.
      
      
    • The UK Direct Debit Guarantee Scheme applies where relevant.
      
      
    • Fees apply for using Direct Debit services.
      
      
    • International Direct Debit payments are not supported.
      
      
    • A fee of up to £10 may apply per rejected Direct Debit.
      
      
    • We may revoke Direct Debit privileges if rejections occur frequently.
      
      
14. Debit Card Issuance
    
    
    • You may be issued either a Physical Card, which includes the PAN, expiry date, and CVV code printed on the reverse side, or a Virtual Card, in which case you will receive only the card details electronically.
      
      
    • Before using your card, you must activate it according to our instructions. You are responsible for keeping your Physical or Virtual Card details secure and preventing unauthorized access.
      
      
    • If issued a Physical Card, you must sign it immediately upon receipt. A secret personal identification number (“PIN”) may be provided separately via the DT&T App.
      
      
15. Debit Card Transaction
    
    
    • Any use of your DT&T Business Account, DT&T Card, card number, or PIN constitutes authorization for the transaction.
      
      
    • Once you authorize an instant or pre-authorized transaction, it cannot be revoked.
      
      
    • We may refuse a transaction or suspend payments if:

• It would exceed your Account Balance or transaction limits.
• We must comply with the payment system rules governing your card.
• It is required by law or deemed necessary for security and compliance.

• If funds are mistakenly credited to your account, we may reverse the payment. If a disputed payment originates from an EEA-based payment provider, we may share your personal data to facilitate resolution.
  
  
• For certain transactions (e.g., hotels, car rentals), merchants may request a pre-authorization hold. This temporarily affects your Available Balance.
  
  
• Funds held for pre-authorization will be released without undue delay after the transaction amount is finalized.
  
  
• Foreign currency transactions may incur fees, as detailed on the Card Fees & Limits page. Exchange rates are subject to fluctuation.
  
  
• Chargebacks may be initiated through Mastercard under specific conditions, such as non-receipt of goods/services, overcharging, or fraudulent transactions. Mastercard adjudicates chargeback disputes within 45 days.
  
  
• If a chargeback is raised fraudulently or without merit, an administration fee of £20 may be applied.
  
  

16. Cardholder Responsibilities and Liability
    
    
    • You must sign and safeguard your DT&T Card, ensuring that PINs and security details remain confidential.
      
      
    • In case of loss, theft, or suspected misuse:

• Immediately block your card via the DT&T App.
• Report it to support@dttcl.com for cancellation and replacement.
• If requested, provide written confirmation within seven days to our London office.
  • If found after reporting, cut up the card and notify us immediately.
    
    
  • You are generally not liable for unauthorized use unless you acted fraudulently or negligently.
    
    
  • Liability for unauthorized transactions due to loss, theft, or misappropriation is limited to £35 per incident.
    
    
  • We may disclose information to law enforcement if fraudulent activity is suspected.
    
    

17. Currency Conversion
    
    
    • You may convert funds within your DT&T Business Account into supported currencies. Conversion fees apply.
      
      
    • Exchange rates fluctuate; the final rate may differ from the initial rate at the time of request.
      
      
    • Currency conversion requests are non-reversible.
      
      
    • We are not liable for financial losses resulting from currency exchanges.
      
      
18. Commissions and Fees
    
    
    • You agree to pay all applicable fees before transactions are processed.
    • Fees are outlined on our website and may be updated periodically.
      
      
    • If insufficient funds exist in your account to cover fees, transactions may be declined.
      
      
    • If a negative balance arises, you must immediately deposit funds. Failure to do so constitutes a breach of these terms.
      
      
    • Debt collection measures may be undertaken if outstanding amounts remain unpaid.
      
      
19. Account Suspension and Termination
    
    
    • We may refuse, suspend, or cancel transactions involving restricted entities or for compliance with anti-money laundering laws.
      
      
    • Accounts may be terminated with 30 days’ notice, with instructions for fund withdrawal.
      
      
    • Immediate suspension or termination may occur if you:

• Breach these Terms of Use.
• Engage in fraudulent or unlawful activities.
• Violate applicable laws or regulations.

20. Cancellations and Refunds
    
    
    • Transaction requests can only be cancelled if not yet processed.
      
      
    • Refunds are processed within 7 business days but depend on your bank’s procedures.
      
      
    • Refunds are credited to the original Payment Instrument.
      
      
    • If a transaction is processed per your instructions but contains errors, we will attempt to recover funds but are not obligated to reimburse charges or fees.
      
      
21. Subscription Fees and Billing
    
    
    • Monthly subscription fees apply as follows:
      • Classic Plan: £19.99/month
      • Flex Plan: £27.99/month
      • Sole Trader Plan: £9.99/month
        
        
    • Subscription fees are billed on the 4th of each month.
      
      
    • Subscription plans auto-renew unless cancelled before the next billing cycle.
      
      
    • Fees are non-refundable, even if cancelled mid-month.
      
      
    • Failure to maintain sufficient funds for fees may result in account suspension.
    • Changes to fees and billing terms will be communicated via email, in-app notifications, or on our website.
      
      
22. Misdirected Funds
    
    
    • If you provide incorrect details, we are not obligated to recover or reissue funds.
      
      
    • If funds are sent to the wrong account due to our error, we will take immediate action to rectify the mistake.
      
      
23. Financial Crime Compliance
    
    
    • We comply with international and domestic regulations to prevent financial crime.
      
      
    • Ongoing monitoring is conducted, and suspicious activity may be reported to authorities.
      
      
    • If you fail to provide the requested information regarding your account activity, we may freeze or close your account.
      
      
      
24. Promotions
    
    
    • All promotions, bonuses, or special offers provided by DT&T are subject to their specific terms and conditions. Any complimentary bonus credited to your account must be used under these terms.
      
      
    • We reserve the right to modify, conclude, or extend promotions, bonuses, or special offers before their advertised end date, particularly in cases of misuse, low participation, or errors.
      
      
    • Certain countries may be ineligible for promotional offers at our discretion.
      
      
    • If we reasonably suspect that a user has abused or is attempting to exploit a bonus or promotion in bad faith, we may, at our sole discretion, deny, withhold, or withdraw any bonus or promotion. We may also restrict or terminate the user’s account access.

25. Closing an Account
    
    
    • You may close your DT&T Business Account at any time by submitting a written request. We will process your request within 30 days of receipt.
      
      
    • Closing or suspending an account does not affect any outstanding transactions or rights and obligations that have already arisen. Transactions in progress at the time of closure will be completed as soon as practicable.
      
      
    • If your account has a remaining balance at closure, you will be required to withdraw the funds within a reasonable timeframe, during which your account will remain accessible for this purpose only.
      
      
    • If the withdrawal period expires, you may still request access to your funds by contacting Customer Service, and we will arrange a reasonable method of transfer.
      
      
    • To access your transaction history post-closure, you must contact Customer Service and request the relevant information.
      
      
    • We reserve the right to conduct any necessary checks for money laundering, terrorism financing, fraud, or other illegal activities before authorizing fund withdrawals, including those following account closure.
      
      
    • Any fees related to processing your account balance transfer will be deducted from your balance.
      
      
26. Complaints
    
    
    • Complaints regarding our services should be submitted in writing to the Complaints Resolution Team, DT&T Corporation Ltd, 3 Harbour Exchange Square, London E14 9GE, by phone at 0208 806 6444, or via email at rmt@dttcl.com.
      
      
    • We will acknowledge receipt of your complaint within 24 hours and aim to resolve it within seven business days of acknowledgment.
      
      
    • If you are dissatisfied with our resolution, you may escalate the complaint to the Financial Ombudsman Service at Exchange Tower, London E14 9SR (Tel: 0800 0234 567, Email: complaint.info@financial-ombudsman.org.uk).
      
      
27. Online & App Services
    
    
    • Your use of our Website and Apps is subject to DT&T’s Website Terms and Conditions.
      
      
    • We grant you a non-transferable, non-exclusive license to use the App, subject to these Terms, our Privacy Policy, and the relevant app-store terms.
      
      
    • The App is provided as-is, without warranties or guarantees regarding its suitability for your individual needs.
      
      
    • We do not accept liability for failures, delays, or errors in our Services due to factors beyond our control.
      
      
    • You acknowledge that using our App on a modified (‘jailbroken’ or ‘rooted’) device may lead to security risks, for which we do not accept responsibility.

28. Communications
    
    
    • Communications between you and DT&T may be made via post, SMS, Secure Electronic Message, or email. Orders and instructions must be given via telephone, Secure Electronic Message, or through our website.
      
      
    • All communication will be in English.
      
      
    • If you provide an email address, you consent to receive communications via that address. We do not share email addresses with third parties except as outlined in our Privacy Notice.
      
      
    • Internet communications are not guaranteed to be secure. We recommend using Secure Electronic Messages for sensitive information.
      
      
    • Communications will be considered received only when acknowledged by us.
      
      
    • Notices sent via post will be deemed received after four business days; email notifications will be considered received immediately upon sending.
      
      
    • You must promptly update your email address through our website.
      
      
29. Limitation of Liability
    
    
    • DT&T shall not be liable for losses arising from service delays, errors, or third-party misconduct, except in cases of negligence, wilful default, or fraud.
      
      
    • We are not responsible for delays in payments due to late fund arrivals or late instructions. Our liability is limited to direct losses, such as bank fees; we do not cover indirect or consequential damages.
      
      
30. Intellectual Property
    
    
    • DT&T retains all intellectual property rights related to our services, Website, advertising, and other materials.
      
      
    • You may not copy, reproduce, distribute, or modify any DT&T content without written permission.
      
      
    • You may print or download web pages for internal record-keeping purposes only.
      
      
    • Reverse engineering or decompiling our software is strictly prohibited.
      
      
31. Amendments
    
    
    • We may amend these Terms with written notice. Changes take effect after one month unless you terminate the agreement before the amendments come into force.
      
      
32. Chargeback Policy
    
    
    • Chargebacks follow the dispute resolution policies of Mastercard and Visa.
      
      
    • Chargebacks may be initiated for incorrect charges, undelivered goods/services, or suspected fraud.
      
      
    • Resolution may take up to 120 days, and merchants have the right to dispute claims.
      
      
    • Disputed funds may be held until case resolution.
      
      
    • Unfounded chargeback claims may incur a £20 administration fee.
      
      
    • If a chargeback claim is unsuccessful, funds will not be refunded.
      
      
33. APP Scam Protection and Refund Policy
    
    
    • Refunds for Authorised Push Payment (APP) scams may be granted if:

• • • The payment was in GBP to a UK account.
    • You did not ignore explicit warnings from DT&T or authorities.
    • You promptly reported the scam and cooperated in the investigation.
      
      
  • Refunds may be denied if:
    • You fail to report the scam within 13 months.
    • Evidence suggests fraudulent intent in the refund claim.
    • You ignored DT&T security alerts at the time of the transaction.

• A £100 excess fee may apply if:
  • You failed to take reasonable precautions against scams.
  • You ignored multiple security warnings before making payment.
  • You previously received an APP scam refund but did not improve security measures.

This excess fee will be deducted from the refunded amount before disbursement.

Last revision date 27th February 2025

Contact Us:

Telephone: 020 8 806 6444

Email: support@dttcl.com

Post: DT&T Corporation Limited, 3 Harbour Exchange Square, London, E14 9GE