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These are the terms and conditions on which you exchange currency to cryptocurrency with us.

Please read these terms carefully before you submit your order to us. These terms tell you who we are, how we will deliver the currency 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 contact us to discuss.

  1. Information about us and how to contact us

    1. We are Investoo Ltd, a company registered in England and Wales. Our company registration number is 10497349 and our registered office is at International House, 24 Holborn Viaduct, London, England, EC1A 2BN. Our registered VAT number is GB 261808305
    2. You can contact us by writing to us at [email protected] If we have to contact you we will do so by writing to you at the email address or postal address you provided to us in your order.
    3. When we use the words “writing” or “written” in these terms, this includes emails.
  2. Our contract with you

    1. Our acceptance of your order will take place when we email you to accept it, at which point a contract will come into existence between you and us.
    2. If we are unable to accept your order, we will inform you of this in writing and will not charge you for the product. This might be because a credit reference we have obtained for you does not meet our requirements, because we have identified an error in the price or description of the product or because we are unable to meet a delivery deadline you have specified.
    3. We will assign an individual trade reference number to your order and tell you what it is when we accept your order. It will help us if you can tell us the order number whenever you contact us about your order
  3. The currencies we exchange

    1. The different types of cryptocurrency you may purchase are found [here]. Please note that the exchange rate of any cryptocurrency changes throughout the day and so there may be fluctuations in the amount of your own currency you can exchange into your chosen cryptocurrency. We will tell you the current exchange rate when you place your order.
  4. Your rights to make changes

    1. If you wish to make a change to your order please contact us, and we will let you know if the change is possible. Please note once you have placed a formal order with us and we have exchanged your currency, it may not be possible to cancel.
    2. If it is possible, we will let you know about any changes to the price of the currency, the timing of delivery 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. If we cannot make the change or the consequences of making the change are unacceptable to you, you may want to end the contract (see Your rights to end the contract below).
  5. Our rights to make changes

    1. We may change these terms and conditions from time to time:
      • to reflect changes in relevant laws and regulatory requirements; and
      • to implement minor technical adjustments and improvements, for example to address a security threat. These changes should not affect the terms on which you exchange currency with us.
  1. Providing the currency

    1. We charge you to handle the exchange of currency when you place an order with us. We will let you know any charges and the basis on which they are calculated before we ask you to place a formal order with us.
    2. During the order process, we will let you know when we will deliver your exchanged cryptocurrency to you.
    3. If the delivery of your cryptocurrency 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. Provided we do this we will not be liable for delays caused by the event, but if there is a risk of substantial delay you may contact us to end the contract and receive a refund for any cryptocurrency you have paid for but not received.
    4. We may need certain information from you so that we can supply the products to you, for example, details of your identity or the account to which you wish us to deliver your cryptocurrency. If so, 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 9.2 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 exchanging or delivering the cryptocurrency late if this is caused by you not giving us the information we need within a reasonable time of us asking for it.
  2. Your rights to end the contract

    1. Your contract with us, in practice, will only last for a short period of time, between you placing your order and us delivering your cryptocurrency to you. Please note that you do not have a right to change your mind once we have exchanged your currency into your chosen cryptocurrency on the terms of your order.
    2. If you do want to end your contract with us before the exchange has completed, please email us at [email protected] We may deduct from any refund an amount for supplying services before the time when you told us you had changed your mind.
  3. If you have a problem with our service

    1. If you have any questions or complaints about our service, please write to us at [email protected]
  4. Price and payment

    1. All our charges will be explained to you before you place your order. You must make payment in advance of the amount you would like us to exchange into cryptocurrency, along with our charges.
    2. We accept payment via bank transfer only. You must pay each invoice upon presentation of the invoice. Please note that due to the nature of cryptocurrency prices, we may need to revise the rate of exchange if payment of our invoice is delayed. We will update you in writing if this happens and advise you of the new rate. If you think an invoice is wrong please contact us promptly to let us know.
  5. Our responsibility for loss or damage suffered by you

    1. 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 order process.
    2. We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors, or for fraud or fraudulent misrepresentation.
  6. How we may use your personal information

    1. We will use the personal information you provide to us:
      • to confirm your identity;
      • to process your payment for the products
    2. We will only give your personal information to third parties where the law either requires or allows us to do so.
  7. Other important terms

    1. We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights.
    2. You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing.
    3. Nobody else has any rights under this contract.
    4. 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.
    5. 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 do not make payment in full of our charges and we do not chase you but we continue to exchange currency for you, we can still require you to make the payment at a later date.
    6. 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 Northern Irish or the English courts.