1.1. These Terms and Conditions (“Terms”) govern your access to and use of our website and mobile application (collectively, the “Service”). By accessing, registering for, or using the Service, you agree to be bound by these Terms. If you do not accept these Terms, do not access, register, or use the Service. The governing language of these Terms is English, and all interactions, transactions, and instructions will be conducted in English.

 

1.2. In these Terms, “DT&T Corporation,” “we,” “us,” and “our” refer to DT&T Corporation Ltd, including its employees, directors, affiliates, successors, and assigns.

 

1.3. “You” and “your” refer to Service users, including Senders, Recipients, and visitors to our website.

 

1.4. These Terms take effect when you first access, register for, or use the Service. We may update these Terms periodically, and changes will take effect two months after publication. However, any updates will not retroactively affect prior transactions.

 

1.5. The Service is designed to facilitate money transfers between family and friends worldwide. For security reasons, we strongly advise using the Service only for transactions with known and trusted individuals. The Service must not be used to send money to unknown parties, including sellers of goods and services.

 

 

App: DT&T Corporation’s mobile application for processing Payment Orders and Transactions.

 

Business Day: A day when DT&T Corporation is open to executing payment and transaction orders.

 

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

 

Instruction: A Transaction Order.

 

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

 

Recipient: The individual receiving funds via the Service.

 

Payment Instrument: A valid method of payment, including bank accounts, debit cards, and credit cards.

 

Pay-out Amount: The final amount credited to the Recipient’s account after foreign exchange conversion, excluding the Service Fee.

 

Sender: An individual using the Service to send money.

 

Service Fee: The fees and additional charges applicable to each transaction.

 

Service Provider: A third-party financial institution (e.g., a bank or money exchange service) facilitating transactions in the Destination Country.

 

Transaction: A money transfer is processed through the Service.

 

Transaction Amount: The amount the Sender intends to transfer before applicable fees and foreign exchange conversion.

 

Transaction History: A record of your transactions accessible via your registered email and password.

 

Transaction Order: A request by the user to send money to a Recipient via the Service.

 

 

3.1. DT&T Corporation Limited is registered in England and Wales (Company Number: 04542542). Our registered office is at 3 Harbour Exchange Square, London, E14 9GE. We are authorized and regulated by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011, with Firm Reference Number 901018 for providing payment services.

 

3.2. DT&T is a trading name of DT&T Corporation Limited.

 

3.3. The Financial Services Compensation Scheme (FSCS) does not cover our accounts as they are not bank accounts. However, customer funds are safeguarded in dedicated client money accounts held with a reputable commercial bank in compliance with FCA regulations.

 

 

4.1. We provide an electronic money account with a Mastercard debit card for sending and receiving funds globally. We do not offer financial advisory services.

 

4.2. Information provided on our website or by our representatives does not constitute financial advice or an offer to engage in specific transactions.

 

4.3. Before making any transaction, you should independently assess its suitability, considering expert advice if necessary. By using the Service, you acknowledge that DT&T Corporation has not provided financial advice or recommendations for any transaction.

 

4.4. We may outsource certain administrative functions to approved third-party providers. We ensure that these providers are competent and remain responsible for managing your account in compliance with these Terms.

 

4.5. Foreign exchange rates fluctuate beyond our control. Past exchange rate trends do not indicate future performance.

 

 

5.1. We reserve the right to reject any application for a DT&T Account without providing a reason.

 

5.2. If your application is incomplete, we will not open your DT&T Account until you provide the required details within 30 days. Otherwise, your application will lapse, and you must reapply.

 

5.3. You must be at least 18 years old to open an account unless stated otherwise. We may require proof of age.

 

 

6.1. We comply with anti-money laundering and anti-terrorism laws by verifying customer identities.

 

6.2. We will verify your address and identity, potentially using credit reference agencies. This does not affect your credit score.

 

6.3. We may also verify the Recipient’s identity and treat all personal data securely under GDPR.

 

6.4. We may validate your information directly or through third-party sources.

 

6.5. You must keep your account information up to date. Failure to do so may result in losses for which we are not liable.

 

 

7.1. You may cancel your account within 14 days of approval by notifying us in writing or via email.

 

7.2. We will refund your balance, minus any transaction fees and completed transactions.

 

7.3. We cannot refund funds for non-reversible transactions already initiated before closure.

 

 

8.1. You are responsible for monitoring your DT&T Account and any instructions related to it.

 

8.2. Notify us immediately if you suspect loss, theft, or unauthorized use of your PIN, debit card, customer number, or username.

 

8.3. Notify us if you do not receive expected transaction confirmations or suspect incorrect account balances.

 

8.4. Maintain accurate and up-to-date account details. We may periodically request verification.

 

8.5. Your transaction history, including fees and exchange rates, is available online with a unique transaction number for each entry.

 

8.6. Keep your password secure and never share it. We will never ask for your password.

 

8.7. We may suspend or restrict your account if we suspect security breaches or unauthorized activity.

 

8.8. If we suspend your account, we will inform you unless prohibited by law or security concerns. The suspension will be lifted once the issue is resolved.

 

8.9. You agree to pay all applicable transaction fees, which are due at the time of submission. These fees are non-refundable unless otherwise stated.

 

8.10. If currency exchange is involved, we guarantee the payout amount in the local currency. Any margin on foreign exchange covers our risks.

 

8.11. If the Recipient’s account is in a different currency than the one instructed, delays, additional charges, or different exchange rates may apply. You are responsible for ensuring currency compatibility for transactions.

 

 

 

9.1. To add funds to your DT&T Account, log in and follow the on-screen instructions. Available funding methods depend on your country of residence and the payment methods linked to your account.

 

9.2. We may charge fees for funding your DT&T Account, and no interest will be earned on your account balance.

 

9.3. We are not liable for funds you transfer until they are received in our bank accounts, as we act as the recipient and not as a payment service provider when funds are added.

 

9.4. We do not guarantee the availability of any particular funding method and may modify or discontinue options without prior notice.

 

9.5. The payment instrument (e.g., the credit or debit card) used for funding must be in your name. Any attempt to use a payment instrument registered to another person will be treated as fraudulent.

 

9.6. If you use a payment method that allows chargebacks (e.g., credit card, debit card, or direct debit), you agree to exercise this right only in cases of unauthorized use of your payment instrument.

 

9.7. You agree not to request chargebacks for reasons outside our control, such as disputes with recipients or insufficient funds in your payment method. If we must investigate or take action regarding a chargeback, we may charge a fee and deduct the amount from your account.

 

9.8. Funds will be credited to your account once received by us. Some transactions, such as those via credit/debit card, direct debit, or online banking, may be credited sooner but are subject to reversal if actual funds are not received within a reasonable time. In such cases, we will deduct the reversed amount from your account balance. If your balance is insufficient, you must repay the deficit.

 

9.9. Funding transactions may be subject to limits due to security and legal requirements. These limits adjust dynamically based on your verification status and the funding method used. You can check these limits in your account profile.

 

9.10. You must not fund your account using cash. If we must take action due to a cash funding attempt, we may charge an administration fee of £100, in addition to any other applicable damages.

 

9.11. You agree not to use your DT&T card to fund your DT&T account, as both are linked. We are not obligated to refund or reverse any fees or charges incurred due to funding your account with your DT&T card, whether by mistake or otherwise.

 

 

10.1. You must set up your payment order from your DT&T Account with your login details and password.

 

10.2. Every recipient of a payment you wish to send through us must have a valid means that we can use for their identification. This may be a valid e-mail address but other means of identification may be required for our other services and we may require you to provide us with the recipient’s mobile telephone number.

 

10.3. To set up a payment order via your Account, you need to provide certain information to us including (a) the full name of your recipient, (b) your recipient’s bank account details, and (c) the amount to be transferred.

 

10.4. You must take great care to properly type the exact details of who you wish to send money to. We use those details as the unique identifier to determine the intended recipient of the payment that you instruct us to process. Other information you provide along with the recipient’s means of identification may be disregarded and we shall not be liable for any error you make when entering the recipient’s means of identification.

 

10.5. Before the transaction is confirmed, you will be provided with the foreign exchange conversion rate that will be applied to the transaction and the transaction fee which will be charged.

10.6. You will also be provided with the estimated amount the Recipient will receive after currency conversion and deduction of the transaction fee. The actual amount that the Recipient receives may differ from the pay-out amount due to additional fees applied by banks or other service providers.

 

10.7. We may place limits on the amount you may send per transfer.

 

10.8. If your payment order is received by us after 6 pm on a Business Day or not on a Business Day, your payment order will be deemed received on the following Business Day.

 

10.9. Once we have received your payment order, we will send you a confirmation by email. Each payment order is given a unique transfer number and is shown in the transaction history on your Account. You should quote this transfer number when communicating with us about a particular payment order.

 

10.10. We will only process your payment order if we hold or have received sufficient cleared funds in your DT&T Account. It is your responsibility to fund your payment order on time. We cannot be responsible for the time it takes for the money to be sent to us by your bank or payment service provider.

 

10.11. The estimated completion time of your payment order is notified to you when you complete the setup of your payment order. We will use reasonable efforts to ensure that the funds arrive in the recipient’s bank account or payment account within the timelines notified to you.

 

10.12. If we are unable to complete your payment order, we will let you know, if possible, the reasons for the refusal and an explanation of how to correct any factual errors. However, we are not required to notify you if such notification would be unlawful.

 

10.13. If your funds are sent to the wrong account or wrong receiver as the result of a mistake made by you, and we have acted in accordance with your Instructions, we will be under no obligation either to recover the funds or to resend the funds to the correct Beneficiary Account. You will need to send a new payment order.

 

10.14. If your funds are sent to the wrong account as the result of a mistake made by us, we will take urgent action at our own expense to recover those funds, provided that you take immediate action to assist us in recovering any such funds if the mistaken beneficiary is related to you or associated with you in some way.

 

10.15. If we make a payment into your DT&T Account by mistake, we will take out the same amount without asking for your permission but will let you know what has happened. If someone else tells us they have made a payment into your account by mistake we will check with you first before returning the funds.

 

10.16. If you disagree, we will not return the funds to the payer, but we may provide the payer’s bank or payment service provider with all relevant information for the collection of funds and/or put the payer’s bank in contact with yours directly. This is because we are required to cooperate with other payment service providers and share all relevant information to assist with tracing money that is sent to the wrong person.

 

 

11.1. If you receive funds into your DT&T Account, we will send you a notification email and display the payment as a “Funding” transaction in your transactions history, together with the date of receipt, the fees charged and, where applicable, any exchange rate used. Each transaction is given a unique transaction ID and shown in the transaction history. We will not alter or amend the information displayed in your online transaction history. You should regularly reconcile incoming payments with your records.

 

11.2. You should be aware that receipt of funds to your account does not necessarily mean that these transactions cannot be reversed. We reserve the right to reverse a payment if the payer or the payer’s bank or payment service provider has charged back or otherwise reversed (or is reasonably likely to Chargeback or otherwise reverse) an upload or other payment that was used to fund the payment to you.

 

11.3. The receipt of payments is subject to fees and currency exchange fees, depending on the type of payment you receive into your account you have.

 

 

12.1. You can request a withdrawal of all or part of the funds held in your DT&T Account at any time. Log into your DT&T Account click on pay method and enter the amount to be withdrawn. Withdrawal Methods are payment services provided, at least in part, by third-party financial institutions (for example, the bank where you hold a bank account).

 

12.2. We do not guarantee the availability of any particular Payment Method and may make changes to or discontinue a particular Payment Method at any time without notifying you. Where the Withdrawal payment is received by you through the involvement of a payment service provider (such as the bank where you hold a bank account), we shall not be responsible for the withdrawal payment once the withdrawn funds are received by your payment service provider.

 

12.3. For a withdrawal transaction, we are a payer and not a payment service provider.

 

12.4. You agree that your DT&T Account is subject to withdrawal or payment limits. If your withdrawal request exceeds the current limit, we may decline your request and require you to provide additional documents to us so that we can carry out additional checks before allowing the money to be withdrawn. Before uploading any funds into your DT&T Account, you must ensure that your current withdrawal and spending limits meet your withdrawal and spending requirements as we legally cannot allow you to exceed these limits.

 

12.5. Withdrawals are subject to fees including currency conversion fees when applicable.

 

12.6. When setting up your withdrawal request, you must ensure that the information you provide is correct and complete. We will not be responsible for money sent to the wrong recipient as a result of incorrect information provided by you. If you have provided the wrong information to us, you may ask us to assist you in recovering the money, but we cannot guarantee that such efforts will be successful.

 

 

13.1. The Direct Debit Service is additional to the existing services we provide, and we reserve the right to choose which users have access to the see and we are not required to provide a reason for rejecting a user to have access to this service.

 

13.2. You can set up a Direct Debit from your DT&T Account by giving the organisation you’re paying authorisation to take the Direct Debit payments from your DT&T Account. As a UK customer, you can only set up a Direct Debit from a DT&T GBP Account.  Any Direct Debit payment is usually taken from your Account at the beginning of the Working Day that it’s due.

 

13.3. It’s your responsibility to check that you have enough Available Balance before any payment is due. If your DT&T Account doesn’t have enough Available Balance, any Direct Debit payment will be rejected.  You agree that we should apply unpaid direct debit charges to your account when we reject a direct debit.

 

13.4. You can cancel a Direct Debit taken from your DT&T Account at any time up to 2 Business Working Days before the payment is due. The cancellation will be effective for all future Direct Debits for that payee.  You’ll need to inform the organisation taking the Direct Debit of your cancellation. We will not be responsible if you fail to inform them and they won’t have any claim against us.

 

13.5. If you do not cancel a Direct Debit by the deadline specified above, we cannot accept responsibility for any payments that are subsequently taken, and you will need to contact the person or organisation you are paying.

 

13.6. The provisions of the UK Direct Debit Guarantee Scheme will apply where a refund of a Direct Debit is requested.

 

13.7. We charge a transaction fee to use the Direct Debit Service, which can be found in the Account Fees section.

 

13.8. You cannot set up international Direct Debit payments.

 

13.9. We reserve the right to debit from your Account Balance up to £10 per rejected Direct Debit at our discretion.

 

13.10. We reserve the right to withdraw Direct Debit functionality from your account if you have a rejected Direct Debit.

 

 

14.1. You may be issued with a “physical” Card, which will have the details of the PAN, the Expiry Date of the Card and the CVV code printed on the reverse side of the card; or a “virtual” Card, in which case you will not receive a Physical Card but will receive details of the PAN, the Expiry Date and the CVV2 code.

 

14.2. To start using the Card, you may be required to activate it under instructions given to you by us. You must keep your Physical Card and the details of the Virtual Card (as applicable) in a safe place and protect it against unauthorised access or use by third parties.

 

14.3. If you are issued with a Physical Card, you must sign the Physical Card as soon as you receive it. You may also receive a secret personal identification number (“PIN”) separately through the DT&T App.

 

14.4. You must never disclose your PIN to any other person, 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 and you agree that DT&T Corporation is not liable for any or all loss suffered by you.

 

14.5. When you become aware of the loss, theft, fraud, or unauthorised use of your DT&T Card or DT&T Account, you must let us know as soon as possible by contacting our Customer Services. This is so that we can block your Card and/or suspend your Account.

 

14.6. You can order a replacement DT&T Card for your DT&T Account through your App. If we replace your Card, we’ll send it to your home address as shown in the DT&T App. You agree to inform and update your home address when this changes, as we will not be liable for any loss for sending the card to your previous address.

 

14.7. We may refuse to issue a new DT&T Card if you don’t have enough money in your Account to pay us to issue or deliver the card.

 

14.8. We may block your Card if we think it’s necessary for security reasons, or we have reason to suspect unauthorised or fraudulent use of your Card, or we’re required to do so by Applicable Laws, or we identify high-risk activity on your Account.

 

14.9. We’ll let you know either before or immediately after we block your Card and give you our reasons for doing so unless we aren’t able to or we’re prevented by law. We may also advise anyone involved in a related transaction that we’ve blocked your Card.  We’ll unblock your Card as soon as possible after the reasons for blocking no longer exist.

 

14.10. Your DT&T Card’s expiry date is printed on the card. You must not use the DT&T Card after its expiry date.

 

14.11. If you have used your DT&T Card in the period of 3 months before its expiry date, we will automatically send you a new physical DT&T Card. The new Card will be issued to you free of charge and sent to you at the current address you have provided to us via your DT&T Account within 30 days of the expiry date.

 

14.12. If your card has not been used in the period of 3 months prior to its expiry date, we will we not send you a new physical DT&T Card.

 

 

15.1. By using your DT&T Account, DT&T Card, card number, or PIN, you authorize and consent to the transaction.

 

15.2. You cannot cancel an instant or pre-authorized transaction once it has been authorized and transmitted to us.

 

15.3. We may refuse or suspend a transaction, or limit your ability to make a payment if it could exceed your Account Balance, breach any Account or Card limits, or if we reasonably believe that such action is necessary to comply with payment system rules or applicable laws, or to ensure sound practices.

 

15.4. If money is mistakenly paid to your Card, we may reverse the transaction. If you dispute a payment made by a payment service provider in the EEA, we may share your personal information with the provider to facilitate contact and resolve the issue, as required by law.

 

15.5. Pre-authorization: For certain purchases, merchants may request a higher Available Balance than the purchase amount to secure payment (e.g., hotels, car rentals). In such cases, we may block funds in your Account. The requested amount may be higher than your actual purchase amount.

 

15.6. At registration or checkout, merchants may send a request to us to confirm your Available Balance. This will temporarily affect your Available Balance.

 

15.7. We will only block funds upon your explicit authorization, and we will release any blocked funds promptly once we have the final payment amount.

 

15.8. Foreign Currency Transactions: You can use the DT&T Card for transactions in foreign currencies. We charge a fee for overseas ATM transactions, as detailed on the Card Fees & Limits page.

 

15.9. Foreign currency transactions will be converted to the currency of the DT&T Card using the wholesale market rate or any government-set exchange rate. A conversion fee may apply, as detailed on the Card Fees & Limits page.

 

15.10. Exchange rates may fluctuate. The rate at the time of the transaction may differ from the rate used when the charge is processed. Your online statement will show the exchange rate and any service charge.

 

15.11. Chargebacks: Mastercard may initiate a chargeback to reclaim funds from a service provider’s bank, in cases such as non-delivery of goods, incorrect charges, or fraudulent transactions.

 

15.12. You agree to provide any information requested to assist us in researching a chargeback. Chargebacks are governed by Mastercard Scheme Rules.

 

15.13. Mastercard has up to 45 days to resolve a chargeback dispute. Chargebacks will only occur if you meet the criteria set by Mastercard Scheme Rules.

 

15.14. If you dispute a valid charge without merit, you may be charged a £20 administrative fee.

 

 

16.1. Upon receipt of your DT&T Card, sign it immediately and keep it secure. Do not share your PIN, password, or any security information with anyone else, and only provide your Card details to make a transaction.

 

16.2. Treat your DT&T Card like cash. If lost, stolen, or compromised, immediately block your card using the DT&T App and report the issue to support@dttcl.com. Confirm the loss in writing within seven days.

 

16.3. If your Card is found after reporting it lost, destroy it immediately and notify us.

 

16.4. You are not liable for unauthorized use unless you acted negligently, fraudulently, or allowed someone to use your Card, PIN, or number.

 

16.5. If your Card is used fraudulently, you may be held liable, subject to applicable laws.

 

16.6. Your liability for unauthorized transactions is limited to a maximum of £35 per incident of loss, theft, or misappropriation of the Card or security features, unless due to gross negligence.

 

16.7. We may disclose information to law enforcement agencies if necessary to investigate misuse of your Card.

 

16.8. We may restrict or refuse Card use if it could violate these terms or if we suspect fraud or abuse.

 

16.9. We are not liable if a merchant refuses to accept your Card, but we are liable for errors in determining your available funds.

 

 

17.1. You can convert funds in your DT&T Account to supported currencies. A conversion fee applies.

 

17.2. Exchange rates may change between the time you request a conversion and when it is processed, affecting the final amount received.

 

17.3. Currency conversions cannot be cancelled once instructed.

 

17.4. We are not liable for any loss incurred from currency conversions.

 

 

18.1. You agree to pay the applicable fees for our services. Transactions will not be processed until we receive the fees.

 

18.2. The fee amount will be communicated when you initiate your transaction.

 

18.3. Our fee structure, available on our website, forms part of this agreement and may change periodically.

 

18.4. We can deduct fees and applicable amounts from your DT&T Account. If insufficient funds are available, we may refuse to process your transaction.

 

18.5. If a negative balance results from fee deductions, you must promptly repay the amount by funding your Account. Failure to do so is a breach of these Terms.

 

18.6. If your account remains negative, we may initiate debt collection measures, including sending reminders, using debt collection agencies, or pursuing legal action.

 

18.7. Additional administrative charges may apply for providing requested documents or information.

 

 

19.1. At our sole discretion, we reserve the right to refuse or cancel Transaction Requests or Transactions involving certain Senders or Payees. This includes but is not limited to individuals or entities listed on government-issued restricted or prohibited lists, transactions required to be blocked by law, or cases where we reasonably believe processing such transactions would violate anti-money laundering (AML) or counter-terrorism financing (CTF) regulations.

 

19.2. We may decline to process a Transaction funded by specific Payment Instruments if we suspect that the security of the Payment Instrument has been compromised, or if there is reasonable suspicion of unauthorized or fraudulent use.

 

19.3. We may terminate your DT&T Account or any associated payment service by providing 30 days’ prior notice. After termination, we will provide reasonable instructions on how you may withdraw any remaining funds.

 

19.4. We may suspend or terminate your DT&T Account without prior notice if you breach these Terms of Use or any other applicable terms governing specific services.

 

19.5. We may suspend or terminate your DT&T Account without prior notice if you violate, or we reasonably suspect that you have violated, any applicable laws or regulations in connection with your use of our services.

 

19.6. We may suspend or terminate your DT&T Account without prior notice if we have reasonable grounds to believe that you are involved in fraudulent activities, money laundering, terrorism financing, or any other criminal activities.

 

 

20.1. You may cancel a Transaction Request before the funds are disbursed to the beneficiary. However, in some cases, DT&T may have already initiated an irreversible request for funds to be processed by a Service Provider, and we cannot guarantee successful cancellation. If cancellation is successful, DT&T will refund the transaction amount, deducting any applicable revocation, recall, or tracing charges, along with any Service Fees already incurred. Refunds are typically processed within seven (7) business days.

 

20.2. Refund processing times may take up to seven (7) business days and are subject to delays beyond our control, such as those caused by your bank or payment processor.

 

20.3. Refunds will be credited back to the same Payment Instrument used for the original transaction and in the same currency.

 

20.4. If a Transaction is executed based on the information you provided, and that information is later found to be incorrect, DT&T is not liable for the incorrect execution of the Transaction. However, we will make reasonable efforts to recover the funds, and we may charge a fee based on the costs incurred in attempting recovery.

 

20.5. DT&T does not pay interest on any funds held or refunded, whether by way of deposit, cancellation, or otherwise.

 

20.6. If you request DT&T to hold funds following a cancellation while awaiting further instructions, you must provide instructions as soon as possible. If no instructions are received within three (3) months, we will return the held funds to you without interest.

 

 

The fees applicable to your account are outlined below. Please note that fees and limits are subject to change at our discretion at any time to ensure compliance with regulatory obligations and to mitigate the risk of financial crime.

 

For the most up-to-date information on fees and limits, please refer to our official page: Fees & Limits.

 

 

Your account is subject to the limits outlined on the DT&T Card Fees & Limits page. We reserve the right to change these limits at our discretion at any time to comply with regulatory obligations and reduce the risk of financial crime

 

To view the most up-to-date account limits, please refer to: Fees & Limits.

 

 

23.1. Your Error. If funds are sent to an incorrect account due to an error on your part, and we have executed the transaction per your instructions, we are not obligated to recover or resend the funds. You will need to initiate a new transaction at your own expense.

 

23.2. Our Error. If funds are sent to an incorrect account due to an error on our part, we will take immediate corrective action at our expense to recover the funds. You must cooperate with us in the recovery process, especially if the unintended recipient is related to or associated with you in any way.

 

 

24.1. We comply with domestic and international regulations aimed at preventing financial crime, including but not limited to anti-money laundering (AML) and counter-terrorism financing (CTF) measures. We will take any actions we deem necessary to ensure compliance.

 

24.2. Once your account is opened, we are legally required to monitor transactions and report suspicious activity to relevant authorities. We may ask you to provide additional information regarding account activity, and you must promptly comply with such requests. Failure to do so may result in account suspension or closure.

 

 

25.1. All promotions, bonuses, and special offers are subject to specific terms and conditions. Any complimentary bonuses credited to your account must be used by these terms.

 

25.2. We reserve the right to modify, extend, or conclude any promotions, bonuses, or special offers before their advertised end date. This may occur due to abuse, limited participation, or administrative errors.

 

25.3. We may, at our sole discretion, exclude certain countries or jurisdictions from participating in promotions.

 

25.4. If we have reasonable grounds to believe that a user has abused, is abusing, or is attempting to abuse a promotion or bonus, or is acting in bad faith to exploit our policies, we may take corrective actions. These actions may include denying, withholding, or withdrawing the promotional offer, or permanently suspending the user’s access to their account

 

 

26.1.  You may request to close your DT&T Account at any time by submitting a written request. We will process your request and close your account within 30 days.

 

26.2. Closing or suspending an account does not affect any outstanding transactions or obligations that arose before the closure. Any pending transactions will be completed as soon as practicable.

 

26.3. If your account has a remaining balance upon closure, you will be required to withdraw the funds within a reasonable timeframe. Your account will remain accessible solely to withdraw these funds.

 

26.4. If you do not withdraw your funds within the specified timeframe, your account will be deactivated, and you must contact Customer Service to request a withdrawal. Funds will be returned to you using a method deemed appropriate by DT&T.

 

26.5. If you require access to your transaction history after account closure, you must contact Customer Service to request this information.

 

26.6. We reserve the right to conduct necessary checks related to money laundering, terrorism financing, fraud, or other illegal activities before processing withdrawals from a closed account.

 

26.7. You agree to cover any applicable fees related to the transfer of your remaining balance to another account in your name. These fees will be deducted from your balance before the transfer is completed.

 

 

27.1.  If you wish to file a complaint about our services, please submit your complaint in writing to:

Complaints Resolution Team

DT&T Corporation Ltd

3 Harbour Exchange Square

London E14 9GE

Phone: 0208 806 6444

Email: support@dttcl.com

 

27.2. We will acknowledge receipt of your complaint within 24 hours. A full investigation will be conducted, and we will provide a response with the outcome of our review no later than seven (7) business days from the date we acknowledge your complaint.

 

27.3. If you are dissatisfied with our response or the resolution provided, you may escalate your complaint to the Financial Ombudsman Service at:

Exchange Tower, London E14 9SR

Phone: 0800 0234 567

Email: complaint.info@financial-ombudsman.org.uk

 

 

28.1. Your use of our website and mobile applications is subject to our Website Terms and Conditions, which are incorporated into these Terms by reference.

 

28.2. We grant you a limited, non-exclusive, non-transferable license to use our mobile application (“App”), subject to these Terms and Conditions, our Privacy Policy, and the applicable app-store terms. We reserve all other rights.

 

28.3. The App is provided “as is” and has not been designed to meet your specific requirements. You are responsible for ensuring that the App meets your needs before use.

 

28.4. The App is provided free of charge, and no warranties or guarantees are made regarding its performance, reliability, or fitness for a particular purpose. All statutory warranties are excluded to the maximum extent permitted by law.

 

28.5. We are not responsible for service disruptions, transmission delays, or performance failures caused by factors beyond our control, including compliance with applicable laws and regulations.

 

28.6. We are not liable for any errors, malfunctions, or damages arising from:

 

 

29.1. Unless stated otherwise, all official communications may be sent via post, SMS, Secure Electronic Message, or email using the most recent contact details provided by you. DT&T does not consider post, fax, or email as secure communication methods. Transaction requests will only be accepted through telephone, Secure Electronic Message, or via our online platform.

 

29.2. All communications, including these Terms and any notices we issue, will be in English. You must also communicate with us in English.

 

29.3. If you provide us with an email address, we will keep a record of it and use it for official communications. Your email address will not be shared with third parties except as outlined in our Privacy Notice.

 

29.4. Communications sent over the Internet are not guaranteed to be secure and may be intercepted or lost. We recommend using Secure Electronic Messaging for sensitive communications. If you choose to send us unsecured emails, please limit the amount of confidential information included.

 

29.5. We will only consider messages as received when we have successfully retrieved them. If you need urgent assistance, please contact us by telephone.

 

29.6. Communications from us will be considered received as follows:

29.7. In addition, you must promptly update us with any change in your email address by updating your profile at https://www.dttcl.com.

 

 

30.1.  General Exclusion of Liability: We are not responsible for any loss or damage you suffer as a result of any act, omission, or delay in providing our services unless caused directly by our negligence, wilful misconduct, or fraud. This includes but is not limited to losses due to:

 

30.2. Payment Delays and Failures: We are not liable for any delays or failures in processing payments due to late fund arrivals or late instructions from you. If we are at fault, our liability is strictly limited to direct financial losses (e.g., bank fees or interest) and excludes indirect or consequential losses, such as:

 

30.3. DT&T Online Services: We are not responsible for any loss or damage resulting from your inability to access DT&T Online due to:

30.4. Unauthorized Transactions and Account Misuse: You are responsible for losses resulting from unauthorized transactions if you:

 

By using our services, you agree to indemnify and hold harmless DT&T Corporation, its subsidiaries, affiliates, employees, and agents from any claims, damages, or legal costs arising from your misuse of our services.

 

 

31.1. Ownership of Intellectual Property: All intellectual property related to DT&T Corporation’s services, website, DT&T Online, and any associated materials remain the property of DT&T Corporation or third parties that have provided content to us. You are prohibited from:

 

31.2. Limited Usage Rights: You may download or print single copies of web pages for personal record-keeping only, provided that you:

31.3. Prohibited Actions: You must not attempt to:

 

 

32.1. Changes to Terms and Conditions: We may update these Terms at any time by providing written notice. Any changes will take effect no earlier than one month after notification.

 

32.2. Your Rights in Case of Amendments: If you do not agree with the amendments, you may terminate this agreement immediately before the changes take effect. Termination does not affect any transactions initiated before the amendment date.

 

 

Chargebacks and Dispute Resolution: Chargebacks are subject to the dispute resolution processes set by Mastercard and Visa, and DT&T does not control the final decision. Key points:

 

 

 

34.1. Protection Against Fraudulent Payments: If you have been deceived into making an Authorised Push Payment (APP) scam, we may provide a refund within five business days, provided that:

 

34.2. Refund Eligibility and Limitations: A refund may not be issued if:

 

If a refund is later found to have been obtained fraudulently, we reserve the right to recover the refunded amount after providing reasonable notice.

 

34.3. £100 Excess Fee: To help prevent fraudulent claims and ensure fair processing, a £100 excess fee may be applied in the following cases:

This excess fee will be deducted from the refunded amount before funds are returned to you.