Terms and Conditions
By using the Cambridge Currencies website and services, you agree to comply with and be bound by the following Terms and Conditions. Please read them carefully before using our services.
1. General Terms
1.1. Acceptance of Terms
By accessing or using our services, you agree to these Terms and Conditions, as well as our Privacy Policy.
1.2. Modifications
We may update these Terms and Conditions at any time without prior notice. Any changes take effect immediately upon being posted on our website. You are responsible for reviewing the Terms regularly to remain informed.
2. Use of Our Services
2.1. Eligibility
Our services are available to individuals aged 18 or older who are capable of entering legally binding contracts.
2.2. Service Limitations
We reserve the right to refuse service at our discretion, including (but not limited to) cases involving suspected fraud, misuse, or violation of these Terms.
2.3. Compliance
You agree to use our services in full compliance with applicable laws and regulations. You are responsible for ensuring that your use of our services does not breach laws in your jurisdiction.
3. Currency Exchange Rates
3.1. Market Rates
Our exchange rates are based on live market conditions and may change at any time without notice.
3.2. Rate Transparency
Rates displayed on our website are indicative. The confirmed rate applicable to your transaction will be provided at the time of booking.
3.3. Sustainable Pricing
We aim to offer competitive rates, but we cannot guarantee to match rates below interbank levels, as these are not commercially sustainable.
4. Transactions and Payment
4.1. Transaction Confirmation
All transactions are subject to our acceptance. Once processed, you will receive a confirmation email with transaction details.
4.2. Payment Methods
We accept payment by bank transfer and other approved methods. Payments must be made in full and in the agreed currency.
4.3. Cancellations and Refunds
Transactions cannot be cancelled once confirmed. Refunds will only be provided where we are unable to complete your transaction due to reasons beyond your control.
5. Third-Party Services
5.1. Regulated Partners
Cambridge Currencies partners with trusted and regulated institutions to provide payment services:
- Currencycloud – authorised by the UK Financial Conduct Authority (FCA) and De Nederlandsche Bank (DNB).
- Equals Connect Limited – authorised and regulated by the UK FCA (FRN: 671508).
- Sciopay Ltd – authorised by the UK FCA as an Authorised Payment Institution (FRN: 927951).
- Visa Global Services Inc. (VGSI) – licensed money transmitter in the United States, registered with FinCEN and FINTRAC.
By using our services, you also agree to the relevant terms and conditions of these providers.
5.2. Third-Party Liability
We are not responsible for the acts, errors, or omissions of third-party service providers. Any issues with their services should be addressed directly with the provider.
6. Liability
6.1. Limitation of Liability
Cambridge Currencies shall not be liable for any direct, indirect, incidental, consequential, or punitive damages related to your use of our services.
6.2. Force Majeure
We are not liable for failure to perform obligations where circumstances are beyond our reasonable control, including but not limited to natural disasters, war, terrorism, strikes, or system outages.
7. Intellectual Property
7.1. Ownership
All website content — including text, graphics, logos, and images — is the property of Cambridge Currencies and protected by copyright and other intellectual property laws.
7.2. Use of Content
No content may be copied, reproduced, or distributed without our prior written consent.
8. Governing Law
These Terms and Conditions are governed by the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.
9. Contact Information
If you have questions regarding these Terms and Conditions, you can contact us:
Address: 124 City Road, London, England, EC1V 2NX
Tel: +44 (0)1223 608232
Email: info@cambridgecurrencies.com
10. Final Provisions
10.1. Entire Agreement
These Terms, together with our Privacy Policy and any legal notices on our website, form the entire agreement between you and Cambridge Currencies.
10.2. Severability
If any provision is deemed invalid or unenforceable, the remaining provisions will continue in effect.
10.3. Waiver
Our failure to enforce any provision of these Terms will not be considered a waiver of our rights.