Welcome to Top in Town Exchange. These Terms and Conditions (“Terms”) govern your use of our website, www.topintownexchange.com, and any associated services provided by Top in Town Exchange (“we,” “us,” or “our”). By accessing or using our services, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please refrain from using our services.

1. Acceptance of Terms

By accessing or using our website and services, you confirm that you have read, understood, and agree to these Terms, as well as our Privacy Policy. These Terms may be modified at any time, and continued use of our services after changes are made constitutes acceptance of the revised Terms.

2. Eligibility

To use our services, you must:

• Be at least 18 years of age.
• Provide accurate and complete information for all transactions.
• Comply with all applicable laws, including anti-money laundering (AML) and know-your-customer (KYC) regulations.
• Not use our services for any unlawful or fraudulent activities.

3. Services Provided

Top in Town Exchange provides currency exchange and international money transfer services. All services are subject to applicable fees, rates, and restrictions, which are displayed on our website or will be communicated to you prior to completing a transaction.

4. Exchange Rates and Fees

Exchange rates and fees are subject to change based on market conditions and may vary between transactions. The applicable rates and fees for your transaction will be displayed and confirmed before you complete the transaction. By proceeding, you agree to the rates and fees displayed at the time of the transaction.

5. Transaction Limits

We may impose limits on the amount of money you can exchange or transfer, either per transaction or within a specified time frame. Limits are subject to change based on regulatory requirements, transaction history, or at our discretion.

6. User Responsibilities

As a user of our services, you agree to:

• Provide accurate, current, and complete information for all transactions.
• Review and verify all transaction details before confirming.
• Use our services only for lawful purposes and refrain from engaging in prohibited activities, including but not limited to money laundering, terrorism financing, or fraud.
• Notify us immediately if you suspect any unauthorized use of your account or other security breaches.

7. Anti-Money Laundering (AML) and Know-Your-Customer (KYC) Compliance

Top in Town Exchange complies with AML and KYC regulations to prevent fraud, money laundering, and terrorist financing. As part of our compliance procedures, we may request additional information or documentation to verify your identity and the legitimacy of your transaction. Failure to provide requested information may result in a delay or cancellation of your transaction.

8. Payment Methods and Security

Payments for currency exchanges and transfers can be made using various methods, including bank transfers and credit cards. All transactions are protected by industry-standard encryption to ensure the security of your information. However, you are responsible for safeguarding your account details and notifying us of any unauthorized activity.

9. Refunds and Cancellations

Once a transaction has been processed and confirmed, it may not be eligible for cancellation or refund due to the nature of currency exchange and money transfer services. Refunds may be issued only in cases where we are unable to complete a transaction or due to error on our part. Please contact our support team if you believe a refund is warranted.

10. Intellectual Property

All content, graphics, logos, and other intellectual property on our website and services are the property of Top in Town Exchange or our licensors. You may not use, reproduce, or distribute our content without our express written permission.

11. Limitation of Liability

To the fullest extent permitted by law, Top in Town Exchange, including its employees, officers, directors, affiliates, and agents, shall not be liable for any indirect, incidental, special, or consequential damages, including but not limited to loss of profits, revenue, data, or business interruption, arising out of or related to the use of our services, even if we have been advised of the possibility of such damages.

12. Dispute Resolution

In the event of a dispute, you agree to first attempt to resolve the issue informally by contacting our customer support. If we are unable to resolve the dispute informally, any legal action shall be governed by the laws of United Kingdom and subject to the exclusive jurisdiction of the courts in United Kingdom.

13. Termination

We reserve the right to suspend or terminate your access to our services at any time, without notice, for any reason, including but not limited to breach of these Terms or engagement in prohibited activities. Upon termination, you remain responsible for any outstanding transactions or fees.

14. Governing Law

These Terms and any disputes arising from them shall be governed by and construed in accordance with the laws of United Kingdom. Any claims or disputes not resolved through our dispute resolution process shall be subject to the exclusive jurisdiction of the courts of United Kingdom.

If you have any questions, concerns, or need assistance with our Terms and Conditions, please contact us.