Equals Money 2022 'Win Boat Show Tickets Competition' Official Rules

International payments

1. Scope of this agreement

 

1.1 What these terms cover

These Terms and Conditions and the General Terms andConditions are the terms on which we supply products and/or services to you, whether these are spot transactions, forward transactions, payment services, stop loss orders, limit orders, other services or digital content.

 

1.2 Why you should read them

 

Please read these terms carefully before you submit your order to us. These terms tell you who we are, how we will provide products to you, how you and we may change or end the Contract, what to do if there is a problem and other important information. If you think that there is a mistake in these terms, please email us at help@equalsmoney.com.

 

We do not offer advice under these terms on any matter including (but not limited to) the merits or otherwise of any currency transaction, on taxation or markets.

 

1.3 Additional documents

 

For clarity, the additional documents and the parts of these terms which incorporate the additional documents are not “framework contracts” for the purpose of the EU Payment Services Directive or any implementation of that directive in the EU or EEA (including the UK Payment Services Regulations).

 

1.4 Are you a business customer or a consumer?

 

In some areas you will have different rights under these terms depending on whether you are a business or consumer. You are a consumer if:

  • You are an individual.
  • You are buying products from us wholly or mainly for your personal use (not for use in connection with your trade, business, craft or profession).

 

If you are a business customer these terms constitute the entire agreement between us in relation to your order. You acknowledge that you have not relied on any statement, promise, representation, assurance or warranty made or given by or on behalf of us which is not set out in these terms and that you shall have no claim for innocent or negligent misrepresentation or negligent misstatement based on any statement in this agreement.

 

2. Who can use our services

 

2.1 You must be 18 years or over. If you are an individual, you must be 18 years or older to use our services and by completing a currency exchange account application and/or order you declare that you are 18 years or older. We may ask you at any time to show proof of your age.

 

2.2 You must have authority to bind your business. If you are a business customer, you confirm that you have authority to bind any business or entity on whose behalf you use our services, and that business or entity accepts these terms.

 

2.3 Your use of our services must not violate any applicable laws. You commit to us that your use of our services does not violate any laws applicable to you. You take responsibility for any consequences of your breach of this section.

 

3. Glossary

The definitions and rules of interpretation in this clause apply in these terms as follows:

3.1 Account: the bank account notified by you to us into which any sums due from us to you pursuant to any order will be paid.

 

3.2 Authorised user: is any person you notify us, in writing, and who we accept has authority to act on your behalf.

3.3 Business day: a day other than Saturday, Sunday or a public holiday in England.

3.4 Business hours: 09.00 - 17:00 on a business day.

3.5 Client money: money held by us on your behalf, which will be held in a designated client account, segregated from our money and not used as business expenditure unless specifically set out in these terms.

 

3.6 Client nominated account: the bank account nominated by us from time to time into which the sale currency will be paid.

 

3.7 Contract: individual orders that have been accepted by us.

 

3.8 Contract note: the written document setting out the details of an order that will be sent to you following order confirmation.

 

3.9 Currency exchange account application: the application completed by you, which shall be part of these terms and upon which it will be in our sole discretion whether to accept you as a customer and thereby agree to provide you with foreign exchange services.

 

3.10 Direct investment: capital investment in an enterprise, either directly or through a holding company, for the purpose of acquiring along term interest and significant control over the management of that enterprise.

 

3.11 Electronic platform: the electronic trading platform used by us to provide the services.

 

3.12 Forward contract: an order where the value date is later than two business days after the order. This is a contract conferring the obligation to buy or sell a specified amount of currency within a predetermined point in time.

 

3.13 Goods and services: all goods and services including, but not limited to, intellectual property, such as computer software and patents, and land.

 

3.14 Good till cancelled: an order which remains valid until cancelled by you.

 

3.15 Limit order: has the meaning given in clause 7.2.

 

3.16 Margin: a deposit or advance payment required in relation to a forward transaction.

 

3.17 Margin call: a request by us to you to provide additional amounts (not exceeding the full amount of the sale currency) as we may reasonably require on account to cover adverse exchange rate movements between the date of the contract and the value date.

 

3.18 Margin nominated account: the bank account nominated by us from time to time into which the margin will be paid.

 

3.19 MiFID exempt forward transaction: a forward transaction that is entered into as a means for facilitating payment for identifiable goods and services or direct investment, where the client is not a financial counter party (as defined in Article 2(8) of the European Market InfrastructureRegulation) and which is settled physically unless otherwise permissible under the regulations or the Market in Financial Instruments Directive II.

 

3.20 Order: your oral, electronic or written instruction for us to perform a spot transaction, forward transaction, stop loss order, limit order.

 

3.21 Order confirmation: when we confirm the details of the order to you by telephone, electronically or in writing.

 

3.22 Sale currency: the sums in a designated currency payable by you to us in respect of an order including, without limitation, any margin or margin call.

 

3.23 Spot contract: a contract conferring the obligation to buy or sell a specified amount of currency where the value date is two business days after the order.

 

3.24 Stop loss order: has the meaning given in clause 7.1.

 

3.25 Regulations: all laws and regulations from time to time in force relating directly or indirectly to the buying or selling of currency including, without limitation, the Money Laundering Regulations 2017, theProceeds of Crime Act 2002 and the Payment Services Regulations 2017.

 

3.26 Value date: the date specified in the contract note by which you must have transferred the sale currency to the client nominated account.

 

3.27 Websites: https://www.equalsmoney.com and https://www.fairfx.com. [JB1] 

 

‍4. Getting to know you

 

‍4.1 Customer due diligence

 

We are required by law to carry out all necessary security and customer due diligence checks on you (including any parties involved in your transaction for example, your recipient) in order to complete any orders for you. You agree to comply with any request from us for further information and provide such information in a format acceptable to us. In addition, you agree that we may make, directly or through any third party, any inquiries we consider necessary to validate the information you provided to us, including checking commercial databases or credit reports. You authorise us to obtain one or more of your credit reports, from time to time, to establish, update, or renew the information we hold or in the event of a dispute relating to these terms.

 

4.2 Information must be accurate

All information you provide to us must be complete, accurate and truthful at all times. You must update this information whenever it changes. We will not be responsible for any financial loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents.

5. Our contract with you

5.1 Account application

The completion of the currency exchange account application and the submission by you of the supporting documents is a prerequisite to being entitled to make use of any of our services, including any online services. Upon your successful currency exchange account application, which remains in our sole discretion to approve, we will provide facilities for you to buy and sell currency on the terms as herein set out.

 

5.2 Instructions to place orders

The only persons authorised to give us instructions on your behalf are those notified by you to us, as varied by written notice to us. We shall not be bound by any such variation until we have received it and reserve the right to seek confirmation of that order before being bound by it where we deem this appropriate. You authorise us to act in accordance with all orders that we may receive at any time and which, in our opinion, come from an authorised person.

For telephone orders we will check the authority of the caller by requesting the caller to give his or her name and provided that the name given is that of an authorised person, we are entitled to assume that the caller has full authority to place an order.

5.3 How we will accept your order

 

Our acceptance of your order will take place either verbally or in writing. You may agree either verbally or in writing when, at which point a contract will come into existence between you and us.

 

5.4 If we cannot accept your order

 

If we are unable to accept your order, we will inform you of this and will not charge you for the product. This might be because of trade limits, authorisation, risk or compliance issues. We will not be liable for any loss or damage incurred by you or any other party if we do not accept your order.

 

5.5 Your order number

 

We will assign an order number to your order which will be contained in the contract note. It will help us if you can tell us the order number whenever you contact us about your order.

 

5.6 Relying on your own judgment

 

When making an Order or entering into any Contract you rely solely on your own judgement. If we provide you with information concerning any matter including (without limit) the foreign exchange markets, it is on a voluntary basis and we do not accept responsibility for the accuracy or completeness of such information or assume any duty of care in relation to it.

5.7 Currency fluctuations

We will not transfer to you any funds representing the benefit of any fluctuation in currency arising after a contract has been entered into as this may be outside commercial purposes and, if so, unlawful.

5.8 In entering into a contract under these terms, you understand that:

  • we have told you about an upcoming change to the product or these terms which you do not agree to (see clause 12);
  • we have told you about an error in the price or description of the product you have ordered and you do not wish to proceed;
  • there is a risk that supply of the products may be significantly delayed because of events outside our control;
  • we have suspended supply of the products for technical reasons, or notify you we are going to suspend them for technical reasons, in each case for a significant period; or
  • you have a legal right to end the contract because of something we have done wrong.

5.9 When your order is received

 

If your order is received by us after 17:00 on a business day or not on a business day, your order will be deemed received on the following business day.

 

6. Providing the products

 

6.1 When we will provide the products

 

We will provide the currency to you within one business day after we receive payment in full in accordance with the Order.

 

6.2 We are not responsible for delays outside our control

 

If our supply of the currency is delayed by an event outside our control, then we will contact you as soon as possible to let you know and we will take steps to minimise the effect of the delay.

 

6.3 What will happen if you do not give required information to us

 

We will need certain information from you so that we can supply the currency to you, for example, the information required by the currency exchange account application. We will contact you to ask for this information. If you do not give us this information within a reasonable time of us asking for it, or if you give us incomplete or incorrect information, we may either end the contract (and clause 15 will apply) or make an additional charge of a reasonable sum to compensate us for any extra work that is required as a result. We will not be responsible for supplying the currency late or not supplying any part of it if this is caused by you not giving us the information we need within a reasonable time of us asking for it.

6.4 Reasons we may suspend our services

We may have to suspend our services to:

  • deal with technical problems or make technical changes;
  • update the product to reflect changes in relevant laws and regulatory requirements;
  • make changes to the product as requested by you or notified by us to you (see clause 12.)

6.5 Your rights if we suspend our services

 

We will contact you in advance to tell you we will be suspending supply of the product, unless the problem is urgent or an emergency. You may contact us to end the contract for an order if we suspend it, or tell you we are going to suspend it and we will refund any sums you have paid in advance for the product in respect of the period after you end the contract.

 

7. Stop loss orders and limit orders

 

7.1 Stop loss order

 

A stop loss order is a conditional order that will become either a spot transaction or forward transaction (in accordance with the contract note) if the target currency sells at or below the specified exchange rate before the agreed deadline (either the agreed date or good till cancelled as specified in the contract note).

 

7.2 Limit order

 

A limit order is a conditional order that will become either a spot transaction or forward transaction (in accordance with the contract note) if the target currency sells at or above the specified exchange rate before the agreed deadline (either the agreed date or good till cancelled as specified in the contract note).

 

8. Price and payment

 

8.1 Where to find the price for your order

 

We will let you know the applicable exchange rate at the time when you set up your order. As long as we receive sufficient money from you by the time specified in clause 8.4 below we will convert your money using that exchange rate. We use our best efforts to ensure that the exchange rate advised to you is correct. However please see clause 8.2 for what happens if we discover an error in the exchange rate of your order.

 

8.2 What happens if we got the price wrong

 

It is always possible that, despite our best efforts, there may be an error in the exchange rate in your order. We will normally check exchange rates before accepting your order so that where there is an error in the exchange rate communicated to you, we will contact you for your instructions before we accept your order.

 

8.3 We reserve the right to reissue the contract note to correct any inadvertent mistake, error or omission and we agree to do so promptly as soon as it comes to our attention.

 

8.4 When you must pay and how you must pay.

 

We accept payment with various methods as confirmed to you in your contract note. When you must pay depends on what type of order you are making:

  • for spot transactions, we must receive payment of the sale currency, in full, from you into the client nominated account no later than 17:00 on the value date; and
  • for forward transactions:
    i.  you will immediately (in the normal course of events within 24 hours after the order is placed unless otherwise agreed) pay into the margin nominated account in cleared funds a Margin as determined in accordance with clause 8.5(b) below or such other percentage as we may specify at our sole discretion;
    ii.  we must receive payment of the sale currency in full from you into the client nominated account no later than 17:00 on the value date of the particular forward transaction.

8.5 Margin

The provisions of this clause 8.5 apply to forward transactions.

  • We may in our absolute discretion, at any time before or after we agree to enter into a Contract, require you to provide us with a Margin. You acknowledge that this money will not generally be covered by the safeguarding requirements in     regulation 23 of the Payment Services Regulations 2017 and agree that the principles set out in this clause 8.5 will apply;
  • In assessing the sum to be requested as margin we will, acting reasonably, use our discretion in making a determination of the risk of the trade and request an appropriate sum, given the risk determination, as margin for that forward transaction;
  • We will hold the margin for you re still the beneficial owner of this money until such point in time as we incur any costs, losses or liabilities in connection with or arising out of your order(s) including, without limit, liabilities we incur with third party currency dealers, exchanges, brokers, banks or similar entities. Then wewill become the beneficial owner of that proportion of the money, held as margin, equal to our costs, losses, or liabilities, without notice or demand by us;
  • We reserve the right to transfer the margin to our counterparty bank or third party provider as margin to cover the corresponding forward transaction entered into.
  • We reserve the right to make a margin call to re-establish the margin to the original percentage level agreed for the particular order if the margin subsequently falls below an acceptable threshold for that order;
  • All margin calls must be paid within 24 hours of our first communicating the margin call to you;
  • The margin will vest automatically in us in any of the following circumstances:
    i. on the value date;
    ii. if you breach any material term of these terms;
    iii. in the circumstances set out in clause 15.1(e)
  • We may also offset any margin(s) or other monies we are holding in respect of any one of your orders, against any costs, losses and/or liabilities that we incur in connection with or arising out of any other order you have with us;

8.6 Customer errors

 

We accept no responsibility in the event that you send currency to any account other than the client nominated account.

 

8.7 Business Hours

 

Banks have specified cut off times for the receipt and dispatch of electronic payments. We accept no responsibility for any consequence attributable to the arrival of late funds or instruction of payment after the relevant cut off times. If we receive funds outside of our business hours they will be deemed received the following business day.

 

8.8 Appropriation of funds

 

All funds provided by you under an order (whether as security or otherwise) may be appropriated by us if we incur any liability in respect of any transaction or in the event that you are unable to pay sums due to us or breach of these terms.

 

8.9 Payments to third parties

 

We may, at our discretion, make payments to third party introducers.

 

8.10 Interest

 

We will not be obliged to pay you interest on any margin or client money held by us on your behalf.

 

8.11 Our right of set-off

 

You must pay all amounts due to us under these terms in full without any set-off, counterclaim, deduction or withholding (other than any deduction or withholding of tax as required by law).

 

8.12 We are not a currency trading platform

 

Accordingly, you should not use our services for this purpose (including sending us multiple orders without the intention of completing all the orders). If we detect that you are using our services for this purpose, we may, at our option, set a limit on the number of orders you may send to us or refuse to accept any further orders from you.

 

9. Use of our online services

 

9.1 This clause applies if you make orders on our electronic platform or such other platform we may elect for our customers to use from time to time.

 

9.2 Licence

 

Upon our approval of your request to access the electronic platform, we grant you (and your authorised users) a non-exclusive non-transferable licence to use the electronic platform to make orders.

 

9.3 Interruption of services

 

You acknowledge that due to the nature of the internet and electronic communication there is a risk that communications may not operate free from error or interruption. We shall not be liable for:

  • any error or interruption in communications; or
  • any losses or delays in the transmission of instructions caused by any ISP or software failure; or
  • for any breaches of security of the electronic platform beyond our reasonable control.
  • We reserve the right to transfer the margin to our counterparty bank or third party provider as margin to cover the corresponding forward transaction entered into.
  • We reserve the right to make a margin call to re-establish the margin to the original percentage level agreed for the particular order if the margin subsequently falls below an acceptable threshold for that order;
  • All margin calls must be paid within 24 hours of our first communicating the margin call to you;
  • The margin will vest automatically in us in any of the following circumstances:
    i. on the value date;
    ii. if you breach any material term of these terms;
    iii. in the circumstances set out in clause 15.1(e)
  • We may also offset any margin(s) or other monies we are holding in respect of any one of your orders, against any costs, losses and/or liabilities that we incur in connection with or arising out of any other order you have with us;

10.2 You undertake to inform us with immediate effect, if you are a corporation, where beneficial ownership of your corporation changes by more than 10%.

 

11. Your rights to make changes

 

11.1 Contacting us to make a change

 

If you wish to make a change to your order please contact us at business@equalsmoney.com. We will let you know if the change is possible. If it is possible, we will let you know about any changes to the price of the product, the timing of supply or anything else which would be necessary as a result of your requested change and ask you to confirm whether you wish to go ahead with the change.

 

12. Our rights to make changes

 

12.1 We may change the product:

  • to reflect changes in relevant laws and regulatory requirements; and/or
  • to implement technical adjustments and improvements, for example to address a security threat.

13. Your rights to end the contract

 

13.1 Under the Financial Services (Distance Marketing) Regulations 2004, you do not have any right to cancel any FX Contract.

 

Your may have a right to end the contract, depending on what you have bought, whether there is anything wrong with it, how we are performing and when you decide to end the contract:

  • to reflect changes in relevant laws and regulatory requirements; and/or
  • to implement technical adjustments and improvements, for example to address a security threat.

13.3 Ending the contract where we are not at fault and there is no right to change your mind

 

Even if we are not at fault, you may still be able to end the contract before it is completed, but this may be subject to deductions and/or you may have to pay us compensation. A contract for services is completed when we have finished providing the services and you have paid for them. If you want to end a contract before it is completed where we are not at fault, just contact us to let us know. If this is possible, the contract will end and we will refund any sums paid by you for products not provided but we may deduct from that refund (or, if you have not made an advance payment, charge you) reasonable compensation for the net costs we will incur as a result of your ending the contract.

 

14. How to end the contract with us

 

14.1 Tell us you want to end the contract. To end the contract with us, please let us know by calling customer services on +44 (0)20 7778 9350 or in writing to business@equalsmoney.com.

 

14.2 When your refund will be made

 

We will make any refunds due to you as soon as possible.

 

15. Our rights to end the contract

 

15.1 We may end the contract if you break it

 

We may at any time end the contract for an order and/or close out all or part of any order from the market and/or amend the order to reflect a change in the exchange rate by writing to you if:

  • you do not make any payment to us when it is due in accordance with these terms;
  • you are in material breach of these terms or fail to comply with your obligations in respect of a order;
  • you are or we have reason to believe you are in breach of any relevant statute, regulation or regulatory regime;
  • it becomes unlawful for us to perform the services;
  • you become unable to pay your debts as they become due or have a bankruptcy petition presented against them or you propose a form of composition or arrangement to its creditors or if you cease or threaten to cease to carry on all or a part of your business;

18. Our responsibility for loss or damage suffered by you if you are a consumer

 

18.1 We are responsible to you for foreseeable loss and damage caused by us. If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this contract or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you discussed it with us during the sales process.

 

18.2 We are not liable for business losses. If you are a consumer we only supply the products to you for domestic and private use. If you use the products for any commercial, business or resale purpose our liability to you will be limited as set out in clause 19.

 

18.3 Our liability to you for unauthorised payments or our mistake. In case of an unauthorised payment or mistake due to our error, we shall at your request immediately refund the payment amount including all fees deducted by us. This shall not apply:

  • where the unauthorised payment arises from your failure to keep the personalised security features of your account safe in which case you shall remain liable for the first GBP 35 unless section (c) below applies;
  • if you do not quickly notify us of security issues on your account (e.g. loss of your password), you remain liable for losses incurred up to your notification to us;
  • if the transaction was unauthorised but you have compromised the security of your account with intent or gross negligence in which case you shall be solely liable for all losses; or
  • if you do not let us know about the unauthorised or incorrectly completed transaction within 13 months from the date when you sent your order.

19. Our responsibility for loss or damage suffered by you

 

19.1 Subject to clause 17.1:

  • we shall not be liable to you, whether in contract, tort (including negligence), breach of statutory     duty, or otherwise, for any loss of profit, or any indirect or consequential loss, management time, contracts, goodwill and anticipated     savings even if such loss was reasonably foreseeable arising under or in connection with any Contract between us; and
  • if you do not quickly notify us of security issues on your account (e.g. loss of your password), you remain liable for losses incurred up to your notification to us;
  • you will be liable for any losses incurred in respect of;
    i. unauthorised payments arising from your failure to keep the personalised security features of your account safe;
    ii. you not notifying us promptly of security issues on your account (e.g. loss of your password);
    iii. you compromising the security of your account; or
    iv. you failing to inform us about an unauthorised or incorrectly completed transaction within 13 months from the date when you sent your order.
  • Our total liability to you for all other losses arising under or in connection with any contract between us, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, shall be limited to £500,000.00

19.2 Additional costs

 

You will indemnify and keep us indemnified against all losses and liabilities (including without limitation legal costs) incurred by us in the proper performance of your order or in the enforcement of our rights here under and, in particular, losses and liabilities incurred as a result of:

  • any default in payment by you of any sum due under a Contract or any other breach of these terms;
  • our carrying out your instructions; or
  • our exercising of our rights of suspension.

20. Other important terms

 

20.1 We may transfer this agreement to someone else

 

We may transfer our rights and obligations under these terms to another organisation. We will contact you to let you know if we plan to do this.

 

20.2 You need our consent to transfer your rights to someone else

 

You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing.

 

20.3 Nobody else has any rights under this contract.

 

This contract is between you and us. No other person shall have any rights to enforce any of its terms.

 

20.4 If a court finds part of this contract illegal, the rest will continue in force. Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.

 

20.5 Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. For example, if you miss a payment and we do not chase you but we continue to provide the products, we can still require you to make the payment at a later date.

 

20.6 Waiver

 

A waiver of any right under these terms is only effective if it is in writing and it applies only to the party to whom the waiver is addressed and to the circumstances for which it is given.

 

20.7 Regulations

 

Any money remittance transactions carried out by us are subject to the regulations. If you require any information on the Regulations or have any questions regarding the impact of the Regulations on your rights and obligations under these terms, such questions should be addressed directly to our compliance team at compliance@equalsmoney.com.

 

20.8 Money Laundering

 

To comply with the requirements of the regulations, it maybe necessary to obtain from you, and retain, evidence of your personal identity in our records. If satisfactory evidence is not provided we cannot accept your instructions. We are also obliged to report any reasonable suspicions about instructions received, transactions and activities to the regulatory authorities. This may affect our relationship with you as far as confidentiality is concerned. If we are required under the regulations to refrain from communicating with you and/or proceeding with your instructions, we can accept no liability for the consequences of being prevented from doing so.

 

20.9 Recording of conversations and record keeping

 

You agree that we may record telephone conversations between you and us; and use such recordings, or transcripts from such recordings, as evidence in any dispute or anticipated dispute.

 

20.10 Confidentiality

  • each party undertakes that it shall not at any time disclose to any person any confidential information concerning the business, affairs, customers, clients or suppliers of the other party except as permitted by clause (b) below;
  • each party may disclose the other party's confidential information:
    i. to its employees, officers, representatives or advisers who need to know such information for the purposes of exercising the party's rights or carrying out its obligations under or in connection with this agreement. Each party shall ensure that its employees, officers, representatives or advisers to whom it discloses the other party's confidential information comply with this clause 20.10; and
    ii. as may be required by law, a court of competent jurisdiction or any governmental or regulatory authority.
  • no party shall use any other party's confidential information for any purpose other than to exercise its rights and perform its obligations under or in connection with this agreement.

20.11 No partnership or agency

 

Nothing in these terms is intended to or shall operate to create a partnership between the parties, or authorise either party to act as agent for the other, and neither party shall have the authority to act in the name or on behalf of or otherwise to bind the other in any way (including, but not limited to, the making of any representation or warranty, the assumption of any obligation or liability and the exercise of any right or power).

 

20.12 Which laws apply to this contract and where you may bring legal proceedings if you are a consumer

 

These terms are governed by English law and you can bring legal proceedings in respect of the products in the English courts. If you live in Scotland you can bring legal proceedings in respect of the products in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of the products in either the NorthernIrish or the English courts.

 

20.13 Which laws apply to this contract and where you may bring legal proceedings if you are a business.

 

If you are a business, any dispute or claim arising out of or in connection with a contract between us or its subject matter or formation(including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales and the courts of England and Wales shall have exclusive jurisdiction to settle any such dispute or claim.

International payments

1.     Sponsor: These are the OfficialRules for the Equals Money ‘Win Boat Show Tickets Competition’. The sponsor and administrator of this Competition is Equals Money. Equals Money is a trading style of FairFX PLC (Registered in England & Wales No. 05539698). FairFX PLC is part of Equals Group PLC (Registered in England & Wales No.08922461). Registered Office: 3rd Floor, Vintners’ Place, 68 Upper Thames St, London, EC4V 3BJ.

2.     Timing: The Equals Money ‘Win Boat Show Tickets Competition’ begins at 09.30 on 25th August 2022 and ends at 23:59 on 2nd September 2022 BST (the ‘Win Boat Show Tickets’ period).

3.     Who may enter: Entry is open to:
a.     All who have an active LinkedIn account and follow the Equals Money and British Marine Society LinkedIn and
b.     Be willing to fully comply with these Official Rules and all other terms and conditions of the ‘Win Boat ShowTickets’;
c.      Be willing to comply with Equals Money in publicising the winners of the contest, and to take part in online promotional activities on Equals Money and their social media sites. Immediate family (i.e spouse, parents, siblings and children) and household members of each entity are not eligible.
d.     Participation constitutes entrant’s full and unconditional agreement to these Official Rules and Sponsor’s decisions, which are final and binding in all matters related to the ‘Win BoatShow Tickets Competition’.

4.     How to Enter: Entrants must have submitted a full response to the supplied Typeform accessible in the EqualsMoney LinkedIn post between 09.30 on 25th August 2022 and 23:59 on 2nd September 2022. Entrants must follow the Equals Money LinkedIn and the British Marine LinkedIn accounts from their personal LinkedIn account. Entrants can only apply once for ‘Win Boat Show Tickets Competition’ and will not be eligible for multiple prizes.

5.     The prize is 2 general admission tickets to the Southampton International Boat Show from the 16th to the 25th of September valued at £32 per ticket. There will be 5 winners. Tickets are not redeemable for cash. Prizes are non-transferable and no substitution will be made except as provided herein at the Sponsor’s sole discretion. Winners are responsible for all taxes and fees associated with the prize receipt and/or use. Winners must be over 18 years of age.

6.     Drawing and Winner Notification: TheSponsor will select five prize winners at one time in a random drawing of all eligible entries at the close of the competition. The Sponsor is not responsible for and shall not be liable for late, lost, or misdirected entries. Winners will drawn at random Monday 5th September 2022 at 10:00 BST and announced to the winners by email on the same day. It is the entrant’s obligation to notify the Sponsor in writing of any change of contract information. Each potential winner will be required to respond to the winner notification within 5 days of the time the notice is sent in order to claim their prize. If the potential winner cannot be contacted or fails to respond within the required time period or fails to comply with any other term of theseOfficial Rules, that potential winner forfeits the prize. Winning is contingent upon fulfilling all requirements of these Official Rules: In the event that a potential winner is disqualified for any reason, the Sponsor will award the applicable prize to an alternate winner by random drawing from among all remaining entries from the applicable Entry Period.

7.     Publicity: The acceptance of thePrize by a winner shall constitute and signify the winner’s agreement and consent that the Sponsor and its designees may use the winner’s full name, county, quotes, photo, submission, entry or prize information (collectively “Submission”)in any manner the Sponsor deems fit including, but not limited to, in connection with the Sponsor’s exploitation of the Submission for promotional, advertising or other purposes, worldwide, in any and all media now known or hereafter devised, without limitation and without further payment, notification, permission or other consideration, except where prohibited by law.

8.     Winners will be alerted that they’ve won by email by 23:59 on the 5th of September and will receive their tickets by email prior to the 16th of September as the boat show runs from the 16th to the 25th of September.

9.     Additionally, by participating in this competition, entrants consent to being contacted by a member of the Equals Money team.

10.  Release: By participating, the entrant agrees to release and hold harmless the Sponsor to the maximum extent permitted by law and its respective subsidiaries, affiliates, suppliers, distributors, advertising/promotion agencies, and prize suppliers and each of their respective parent companies and each such company, officers, directors, employees and agents from and against any claim or cause of action, including, but not limited, personal injury, death, or damage to or loss of property arising out of the entrant’s participation in this ‘Win Boat Show Tickets Competition’ or receipt or use or misuse of any Prize, as well as or any claim or cause of action based on publicity rights, infringement of intellectual property, defamation, or invasion of privacy arising from any materials the entrant has submitted in connection with the entrant’s participation in this competition.

11.  Limitations of Liability: TheSponsor is not responsible for:
a.     Any incorrect or inaccurate information, whether caused by entrants, printing errors or by any of the equipment or programming associated with or utilised in the ‘Win Boat ShowTickets Competition’;
b.     Technical failure of any kind, including but not limited to, malfunctions, interruptions, or disconnections in phone lines or network hardware or software;
c.      Unauthorised human intervention in any part of the entry process of the ‘Win the Boat Show Competition’;
d.     Technical or human error which may occur in the offer or administration of the ‘Win the Boat Show TicketsCompetition’, including but not limited to errors in the advertising, Official Rules, selection and announcement of the winners and distribution of the prizes or the processing of entries;
e.     Any inability of any winner to accept or use any prize for any reason; or
f.      Any injury or damage to persons or property which may be caused, directly or indirectly in whole or in part from the entrant’s participation in the ‘Win the Boat Show Tickets Competition’ or receipt or use of misuse of any prize. If for any reason an entrant’s entry is confirmed to have been erroneously deleted, lost, or otherwise destroyed or corrupted, the entrant’s remedy is another entry in the ‘Win Boat Show TicketsCompetition’, provided that, if it is not possible to award another entry due to discontinuance of the ‘Win the Boat Show Tickets Competition’ or any part of it, for any reason, the Sponsor, in its sole discretion, may elect to hold a random drawing from among all entries received up to the date of discontinuance for any or all of the prizes offered herein. No more than the stated value of prizes will be awarded. In the event that production, technical, seeding, programming or any other reasons cause more than stated number of prizes as set forth in these Official Rules to be available and/or claimed, the Sponsor reserves the right to award only the stated number of prizes by a random drawing among all legitimate, unawarded, eligible prize claims. The Sponsor reserves the right to cancel, suspend and/or modify the ‘Win the Boat ShowTickets Competition’, or any part of it, if any fraud, technical failures or any other factor beyond the Sponsor’s reasonable control impairs the integrity or proper functioning of the ‘Win the Boat Show Tickets Competition’ as determined by the Sponsor in its sole discretion.

12.  The Sponsor reserves the right, inits sole discretion, to disqualify any individual it finds to be tampering with the entry process or the operation of the ‘Win the Boat Show TicketsCompetition’ or to be acting in violation of these Official Rule. The Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision.

13.  Entrant’s Personal Information:Information collected from the entrants in this ‘Win the Boat Show Competition’ is subject to the Sponsor’s Privacy Policy https://equalsmoney.com/privacy

14.  These terms and conditions are governed by the laws of England and Wales.

15.  All disputes relating to these terms and conditions shall be resolved by the Courts of England and Wales.