FAQs

Explanation of the Basics

Registration & Adding Payees:

Orders, Funding & Payment Process

Regulations & Compliance

Safe and Secure

Referral FAQs

Please see full Terms & Conditions for further details.

* To qualify for the reward, the Referee must satisfy each of the following criteria:
a) Register and be accepted as a customer of the Company via the www.midpoint.com website; successfully use the Midpoint website to transfer money in a manner that is compliant with the Midpoint user agreement.
and
b) The person you refer’s Midpoint money transfer transaction must not be cancelled (either by themselves or by Midpoint).
Please see full Terms & Conditions for further details.

Privacy Policy

Consent

Use of the Midpoint platform and services, implies that you (the Client[s]) consent to the Company collecting and using personal information that is provided to Midpoint (the Company).

The Company may amend this policy from time to time and continued use of the website by you will be taken as acceptance of any changes. Any changes to Midpoint’s policies will be communicated to you. We recommend that our Clients regularly review this policy.

Disclosure

The Company will not disclose your information except in accordance with this policy unless we believe such action is necessary to conform to legal requirements, enforcement of our Terms & Conditions User Agreement or the protection of our rights.

Collection

Clients may visit the website without providing any personal data. The Company automatically collects certain information about website traffic to measure the usage of the website and improve the site.

The Company also collects personal data from you during registration for its services.

Collection

Clients may visit the website without providing any personal data. The Company automatically collects certain information about website traffic to measure the usage of the website and improve the site. The Company also collects personal data from you during registration for its services.

Cookies

The Company uses cookies for collecting user information from the website.
A cookie is a small piece of information stored by your browser on your computer's hard drive. Cookies are used to customize the website experience for you and to allow web pages to be personalized. Most browsers will automatically accept cookies. If you disable cookies from your browser you will not be able to use all features of this website.

Use

Personal information collected is used to provide the service you request from the Company.
Occasionally we may make your information available to organizations whose products and services we think may be of interest to you.

Links

This privacy policy applies to this website only and customers should not refer to the privacy policy on any linked sites. The Company is not responsible for the privacy practices of linked websites.

Security

The Company has strict security and confidentiality procedures covering the storage and disclosure of information to maintain its confidentiality.

Accessing Information

You are entitled to request the information that the Company holds about you and have it corrected if it is inaccurate. Access will require a signed written request and payment of a fee. If you wish to access the information the company holds about you please contact us on info@midpoint.com.

Contact

If you have any questions about this Policy or the Company's information practices please email info@midpoint.com.

Phone Recording

To improve our service provision our telephone lines may be digitally recorded and the Company may monitor those calls for training or issue resolution.

Changes to Policy

Any changes to the policy will be posted here to inform you of what information we collect and how it is used. Continued use of the website is acknowledgment that you have read and accepted any changes to this policy.

Website Terms & Conditions

1. Copyright Notice

  • 1.1 Midpoint & Transfer will provide the following services to the User:-
    • 1.1.1 Midpoint & Transfer will match foreign exchange orders ("Orders") with others with reciprocal currency needs (a "Match Order") and forward payment instructions to Earthport Plc ("Payment Processor") on the User's behalf ("the Service").
    • 1.1.2 The User may obtain, via the Midpoint & Transfer Ltd website www.midpoint.com ("the Site"), quotes of the Real time Midpoint of the Interbank foreign exchange "bid" and "offer" rates for transactions in British Pound, Euro, US Dollar and such other currencies as Midpoint & Transfer may add from time to time.
    • 1.1.3 From time to time, Midpoint & Transfer will identify on its website the currencies for which the Service is available. Available currencies are subject to change at Midpoint & Transfer's sole discretion.
    • 1.1.4 Midpoint & Transfer will use all commercially reasonable efforts to communicate accurately the User's payment instructions and currency needs to Payment Processors.

2. Registration

  • 2.1 The User will complete correctly and accurately the User Profile as set out on the Site and provide all other information reasonably requested by Midpoint & Transfer. The User authorises Midpoint & Transfer to collect information about the User from third parties consistent with the Privacy Policy as set out on the Site, and to verify with others any or all information relating to the User, whether provided by the User or obtained from third parties.
  • 2.2 The User will designate an individual who will be responsible for modifying the User Profile and authorizing and terminating User IDs and passwords ("Administrator").
  • 2.3 The User will restrict access to and use of the Service and password-protected areas of the Site to individuals identified on the User Profile.

3. Transactions

  • 3.1 It is a condition precedent of this Agreement that the User registers in accordance with clause 2 of this Agreement and Midpoint & Transfer notifies the User that this Agreement and Payment Agreement have both been accepted, where after the User may submit Orders via the Site. Each Order must include all correct and accurate information as requested by Midpoint & Transfer, including but not limited to:-
    • 3.1.1 Order type;
    • 3.1.2 Type and amount of currency requested;
    • 3.1.3 Type and amount of currency offered;
    • 3.1.4 Payee;
    • 3.1.5 Other instructions (e.g., payee notification)
  • 3.2 The User is solely responsible for the accuracy and validity of information submitted.
  • 3.3 The exchange rate for Match Orders will be the midpoint of the Interbank "bid" and "offer" rates determined by Morningstar (or another rate-quoting system selected by Midpoint & Transfer) at the time the Order (or portion thereof) is matched ("Rate").
  • 3.4 Orders may not be modified or cancelled after they have been submitted to Midpoint & Transfer. However the User may request that Midpoint & Transfer change the payee from a third party to the User at any time prior to payment provided that the User has a bank account in the proper currency in a jurisdiction in which Midpoint & Transfer operates
  • 3.5 The User hereby authorises Midpoint & Transfer to forward to the Payment Processor, on the User's behalf, all information necessary to complete each Order.
  • 3.6 Midpoint & Transfer will notify the User that an Order has been completed together with details of payment instructions. Midpoint & Transfer may also notify the payee.
  • 3.7 The User hereby acknowledges that the provision of services by Payment Processor is subject to the terms and conditions of the Payment Agreement attached hereto as Schedule 1.

4. Payment

  • 4.1 The User will pay to the Payment Processor by way of internet transfer, telephone transfer or in person bank transfer in cleared funds, in accordance with the terms of this Agreement:-
    • 4.1.1 the full amount of each Order; and
    • 4.1.2 the fees relating to such Orders, as set forth in the Price Schedule posted on the Site as amended from time to time which order must include the User's 13 digit Virtual Account Number ("VAN"). Funds will be due and payable within 48 hours from the time of the match. Failure to comply will result in a charge to the User of the greater of:-
      • (a) 100 GBP or Equivalent Currency;
      • (b) 1% of the transaction value; or
      • (c) the realised loss suffered by Midpoint & Transfer by going to a third party to fulfil the matching User's Orders.
    • 4.1.3 Customers may not instruct any 3rd party individual or company to make funding payments on their behalf.
    • 4.1.4 Two defaulted Orders may result in termination as a User by Midpoint & Transfer.
  • 4.2 The User will pay all applicable taxes incurred as a result of its use of the Service and will indemnify Midpoint & Transfer for all such taxes (other than taxes on Midpoint & Transfer's net income). Midpoint & Transfer will not be responsible for collecting or remitting any such taxes.
  • 4.3 Midpoint & Transfer may, without prior notice to the User, set off, or instruct and authorise Payment Processor to set off, amounts that Midpoint & Transfer or Payment Processor, as applicable, owes to the User against any overdue amounts owing by the User to Midpoint & Transfer or Payment Processor, as the case may be. In addition, at any time any amount owed by the User hereunder is overdue its due date for payment, Midpoint & Transfer may, without notice, cancel any of the User's uncompleted Orders.

5. User Conduct

  • 5.1 The User acknowledges that it is solely responsible for:-
    • 5.1.1 access and use of the Service and Site, including all activities of Administrators;
    • 5.1.2 its actions or failures to act including maintaining confidentiality of user IDs and passwords;
    • 5.1.3 the security and use of all user IDs and passwords assigned to the User, whether or not authorised by the User;
    • 5.1.4 complying with all laws and regulations relating to its use of the Service and Site. The User will notify Midpoint & Transfer immediately on becoming aware of any unauthorised use of the Service or Site or any other breach of security, including the loss of any user ID or password. The User will deactivate any user ID or password that is lost or that may compromise the security of the Service or Site as promptly as practicable after the User learns of same. The User will remain liable for all Orders placed before any such user ID and password is deactivated.
  • 5.2 The User will promptly update and correct information in the User Profile from time to time and ensure that such information is complete and accurate.
  • 5.3 The User will not:-
    • 5.3.1 disrupt or interfere with Site security, services, system resources, accounts, servers or networks connected to or accessible through the Site;
    • 5.3.2 intentionally upload, post or otherwise transmit through or on the Site any viruses or other harmful, disruptive or destructive files or disabling devices;
    • 5.3.3 take any action that imposes an unreasonable or disproportionately large load on the Site;
    • 5.3.4 create or use a false identity on the Site;
    • 5.3.5 attempt to use or disclose the account, user IDs or pass-words of other Midpoint & Transfer Users;
    • 5.3.6 attempt to obtain unauthorised access to the restricted portions of the Site;
    • 5.3.7 attempt to use or use the Service for money laundering or other illegal activities.

6. Suspension or Limitation of Site or Service

Midpoint & Transfer will use commercially reasonable efforts to make the Services available 24 hours a day, seven days a week; provided that Midpoint & Transfer reserves the right to temporarily suspend or limit all or part of the Site or Service, or The User's access thereto, without notice, whether for main-tenancy or otherwise. The User acknowledges that Midpoint & Transfer will have no liability to the User or any third party for Midpoint & Transfer's acts or failures to act in connection with such suspension or limitation of the Service.

7. Proprietary Rights

The User acknowledges that, as between the parties, Midpoint & Transfer retains all intellectual property rights related to or embodied in the Service, including copyright, trademark, trade secret, patent and other intellectual property rights. The User may print content from the Site in connection with the User's use of the Service only (and not for resale or sublicensing), provided that proprietary notices are not altered or removed.

8. Privacy

Midpoint & Transfer will maintain and disclose the User information in accordance with its Privacy Policy which is available on the Site.

9. The User's Representations, Warranties, and Covenants

As of the date hereof and the date of any Order submitted by the User, the User represents, warrants, and covenants that:-

  • 9.1 it has full power and authority to enter into this Agreement and its execution of this Agreement and submission of Orders have been and will remain duly authorised;
  • 9.2 execution and delivery by the User of this Agreement and the completion of any Orders does not and will not conflict with or violate:-
    • 9.2.1 its articles or by-laws;
    • 9.2.2 any contract or agreement to which the User is bound or to which any of the User's assets are subject; or
    • 9.2.3 any statute, rule, regulation, ordinance, charter or policy to which the User may be subject;
  • 9.3 each User has the capacity and authority to place Orders;
  • 9.4 it has not granted and will not grant a lien on or security interest in any account designated by the User for payment of fees or the settlement of Orders. The User will promptly notify Midpoint & Transfer, and refund to Midpoint & Transfer, any excess or mistaken currency the User may receive.

10. Disclaimers

  • 10.1 The Service is provided on an "as is" and "as available" basis.
  • 10.2 Midpoint & Transfer disclaims all implied warranties of any kind, including without limitation, warranties of merchantability, informational content, system integration, non-infringement and fitness for a particular purpose.
  • 10.3 Midpoint & Transfer has not given and will not be liable in connection with any warranties, express or implied that the service will:-
    • 10.3.1 meet User's requirements;
    • 10.3.2 be uninterrupted, timely, secure, or error free; or
    • 10.3.3 be corrected if defective.
  • 10.4 Midpoint & Transfer (including its officers, directors, employees, and agents, and payment processors) will not be liable for any damages suffered by the user (including, without limitation, loss of data) from delay, non-delivery or miss-delivery of content, errors, system down-time, network or system outages, file corruption or any other service interruptions regardless of cause or customer's errors or omissions.
  • 10.5 The User acknowledges that the information provided by or through the Service (including, without limitation, third-party sources) may contain inaccuracies and typographical and other errors. Midpoint & Transfer does not warrant the accuracy or completeness of such information or the reliability of any information, statement or other data accessed on or through the service. The user acknowledges that customer's use of and reliance on any such information, statement or other data is at its own risk.
  • 10.6 The User acknowledges that foreign exchange transfers with Midpoint & Transfer are conducted as regulated money service business in accordance with the regulations of HM Revenue & Customs.
  • 10.7 As Orders are processed based on matching reciprocal currency needs of other Midpoint & Transfer Users, Midpoint & Transfer can provide no assurance that User's Orders will be matched or completed within a certain time.

11. Limitation of Liability

Midpoint & Transfer (including its officers, directors, employees, and agents and Payment Processors) will not be liable for any claim for indirect, incidental, special, consequential or punitive damages arising out of or in connection with the Service, or the use of or the inability to use the Service, or resulting from a third party's unauthorised access to or alteration of the User's transmissions or data, or other information that is sent or received or not sent or received including, without limitation, damages for loss of profits, revenues, use (including, without limitation, cover damages), data or other intangibles, even if Midpoint & Transfer has been advised of the possibility of such damages. Midpoint & Transfer's total liability under this Agreement, as to any Order, will not exceed the fees the User pays to Midpoint & Transfer for such Order.

12. Indemnification

The User will defend, indemnify and hold harmless Midpoint & Transfer (including its officers, directors, employees, and agents and Payment Processors) from and against any losses, damages, claims, actions or demands (including, without limitation, reasonable legal and accounting fees and expenses) arising out of or in connection with:-

  • 12.1 the User's use of the Service;
  • 12.2 the User's breach of this Agreement; or
  • 12.3 any infringement by the User of any right of any third party.

13. Termination

  • 13.1 This Agreement will continue until terminated by the User or Midpoint & Transfer. Termination of this Agreement will not affect either party's obligations relating to any Order submitted prior to termination.
  • 13.2 The User may terminate this Agreement on notice to Midpoint & Transfer provided the User has:-
    • 13.2.1 paid all fees owed to Midpoint & Transfer; and
    • 13.2.2 completed (or effectively cancelled pursuant to Section 3.4.1) all Orders. Such termination will be effective immediately upon Midpoint & Transfer's receipt of such notice.
  • 13.3 Midpoint & Transfer may, in its sole discretion, terminate this Agreement at any time. Such termination will be effective immediately upon the date that the notice is sent.
  • 13.4 Upon termination of this Agreement, Midpoint & Transfer will cancel all user IDs and passwords and the User will have no further right to place Orders. In addition, if Midpoint & Transfer terminates this Agreement, Midpoint & Transfer will cancel all unfilled Orders or parts thereof and the User will pay any amounts due and owing to Midpoint & Transfer.

14. Miscellaneous

  • 14.1 The laws and courts of England will govern the interpretation and performance of this Agreement.
  • 14.2 Except as otherwise set forth in this Agreement, all notices hereunder will be in writing and will be made to the User by certified mail or overnight delivery at the address provided by the User in the User Profile, and to Midpoint & Transfer at the address specified below its signature or such other address as Midpoint & Transfer may specify in accordance with the terms hereof.
  • 14.3 "Agreement" means this User Agreement and the User Profile, Price Schedule, Privacy Policy as amended from time to time, that are posted on the Site. This Agreement constitutes the entire agreement between the parties governing the Service and supersedes all prior understandings and agreements, written or oral, as to its subject matter.
  • 14.4 Midpoint & Transfer may amend this Agreement by posting a notice of amendment on the Site's home page and notice to the User. The User's use of the Service after such posting constitutes its agreement to the amendment. If the User objects to the amendment, it may cease use of the Service or terminate this Agreement pursuant to clause 13. This Agreement may otherwise be amended only in writing and such amendment signed by the parties.
  • 14.5 If part of this Agreement is held invalid, unenforceable, or void for any reason, the remainder of this Agreement will remain in effect.
  • 14.6 Midpoint & Transfer's failure or delay in exercising or enforcing any right, power or remedy under this Agreement will not operate as a waiver or relinquishment of any right, power or remedy.
  • 14.7 The User acknowledges that the parties are not engaged in a partnership, joint venture or agency relationship of any kind.
  • 14.8 Any person who is not a party to this Agreement shall have no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this Agreement. This clause does not affect any right or remedy of any person which exists or is available otherwise than pursuant to that Act.
  • 14.9 Midpoint & Transfer may, in its sole and absolute discretion, delegate, and contract for or otherwise transfer or assign to a third party any or all of its obligations hereunder. The User may not delegate or otherwise assign any of its obligations or rights under this Agreement without the prior written consent of Midpoint & Transfer.

Schedule 1

  • 1. The End User (User) and/or the Customer (Midpoint & Transfer Ltd) is responsible for all instructions given in relation to the Funds via the UPN (Universal Payment Network).
  • 2. The Company (Earthport Plc) shall be entitled to withhold Funds or pay money to a third party at any time if the Company has reasonable suspicion of fraudulent or criminal activity or if the Company reasonably considers it is required to do so by law or at the direction of any regulatory or other authority.
  • 3. The Company has responsibility to the End users and shall in no way be responsible or liable to End Users for any loss or liability however arising including any loss or liability arising from: -
    • 3.1 any loss, withholding or appropriation of the Funds; or
    • 3.2 any delay in the transmission of the Funds.
  • 4. In the event of overpayment of the Funds to an End User, the End User agrees on demand to promptly repay or instruct the repayment of such overpayment to the Company or as the Company may direct.
  • 5. The End User shall not do or omit to do anything that might bring the Company into disrepute.
  • 6. The End User shall provide to the Customer all the information required by any money laundering/know your client or equivalent obligations applicable in the Territory or any relevant part thereof. The End User acknowledges that the Customer may provide such information to the Company.
  • 7. The End User acknowledges and agrees that the Company reserves the right: -
    • 7.1 to access and disclose personal data relating to the End User to comply with all applicable laws and lawful requests from government and/or other regulatory authorities, to operate the UPN properly and/or to protect the Company, its customers and other End Users; and
    • 7.2 to disclose personal data relating to third parties if the End User's use of the UPN is or is alleged to be, or the Company has reasonable cause to believe the End User's use of the UPN is, in violation of the end users terms or if the Company is otherwise obliged or needs to disclose such information to any relevant authority.
  • 8. The End User consents to the Company processing his personal data outside the EEA (European Economic Area) including in countries which may provide less protection for the processing of personal data than countries within the EEA, and to the transfer of his personal data to a new entity (and processing of his personal data by that new entity) in the event of a sale of, or transfer of the business of, the Company.
  • 9. The End User acknowledges and agrees that the agreement between the Customer and the End User is entered into for the benefit of the Company as well as the Customer and the Company can directly enforce the End User's obligations under such agreement and/or the Customer may enforce the terms against the End User for the benefit of the Company.

Referral Terms and Conditions

1. The following terms and conditions constitute the binding legal agreement (the "Agreement") between Midpoint Ltd. ("Midpoint" or "Company") of 26 Finsbury Square, London, EC2A 1DS, and you ("You" or "Your"), the participant in the Midpoint referral program (the “Program” or "Referral Program") via use of the Midpoint referral platform.

2. Users (defined below) are bound by these Terms and Conditions by participating in the Program. By participating in the Program, Users agree to use the Program in the manner specified in these Terms and Conditions. If you do not agree to these Terms and Conditions in their entirety you are not authorised to register as a Referrer/join the referral scheme (defined below) or participate in the Program in any manner.

3. Users may not participate in the Program where doing so would be prohibited by any applicable law or regulations.

4. These Terms constitute the entire agreement between Users and the Company concerning Users' use of the Program. The failure of the Company to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. A person who is not a party to these Terms shall have no right to enforce or receive the benefit of any of these Terms.

5. The Company reserves the right to modify or amend at any time these Terms and Conditions and the methods through which Rewards are earned. The Company reserves the right to disqualify any User (defined below) at any time from participation in the Program if he/she does not comply with any of these Terms and Conditions.

6. Children. No part of the Program is directed to persons under the age of 18. IF YOU ARE UNDER 18 YEARS OF AGE, PLEASE DO NOT USE OR ACCESS THE PROGRAM AT ANY TIME OR IN ANY MANNER.

Privacy

7. "Users" are those individuals who participate in the Program to recommend to their friends and family services or content made available by Company. To do this, Users must necessarily submit personal information about themselves and their friends, family members or colleagues, such as name and e-mail address information, so that the Company can send these recommendations on their behalf. The personal information will be collected, processed and used in accordance with Company's Privacy Statement, which can be found at: https://www.midpoint.com/Articles/FAQs?MidpointFAQ=6#Privacy.

8. Personal information may be used by Company or Service Provider, on the Company's behalf, to contact Users with regards to their participation in the Program and to receive communications from Company.

9. Users must only provide personal information about their friends and family members where their friend or family member has consented to the provision of their personal information in connection with the Program.

10. Where a User provides personal information about his or her friends or family members to receive communications via the Program, the provided personal information will be used by the Company for sending these communications on behalf of the User only and not for any other purpose. The Company may send out additional follow up communications on behalf of the User to encourage or remind the friends or family members to complete the purchase or registration process. The Company shall only hold personal information about friends or family members so long as necessary for the administration of the Program.

How the Program Works

11. To participate, visit and follow the on-screen instructions to refer friends, family members or contacts to the Service by entering their names and email addresses in the relevant sections.

12. An individual must register and be authorised before they are able to make a referral. Once an individual refers a friend or family member, he/she becomes a Referrer and will be provided with a unique referral link ("Personal Link") that allows the Referrer to receive Reward(s) for Qualified Referrals. Personal Links will be issued only to individuals. Each Referrer will also be provided with a unique and personal Company "Refer-a-Friend" page or account to view the status of his/her Qualified Referrals and manage his/her account.

13. To see "Refer-a-Friend" page or account or to use the Program, Users will need to sign in to their account with their user name and password. Users are responsible for maintaining the confidentially of their user name and password and are fully responsible for all activities that occur through the use of them. Users agree to notify the Company immediately if they believe the confidentiality of their user name and password has been compromised or if they suspect unauthorised use of their account. Users agree that the Company will not be liable for any loss or damage arising from unauthorised use of their credentials.

14. Users who refer are called "Referrers". Individuals who receive a referral are called "Referees." An "eligible" Referrer who is fully compliant with these Terms and Conditions may receive "Reward(s)" for every "Qualified Referral."

15. An eligible Referrer must -
A. be at least 18 years old;
B. have obtained the consent of the Referee to provide their details, including personal information, in connection with the Program. The Referrer must not provide the contact details of any party who does not consent; and
C. have a personal or family relationship with the Referee.

16. To be a "Qualified Referral" the Referee must satisfy each of the following criteria:
A. register and be authorised as a customer of the Company via the www.midpoint.com website;
B. the referee successfully use the Midpoint website to transfer money in a manner that is compliant with the full Midpoint terms and agreements. and
C. referee's Midpoint money transfer transaction must not be cancelled (either by Referee or by Midpoint).

17. Referrers must respect the spirit of the Program by only referring real individuals who meet the requirements of these Terms and Conditions and who have consented to receiving communications. Referrers cannot refer themselves. For example, a Referrer may not create multiple or fake accounts with Midpoint or participate in the Program using multiple or fake email addresses or identities.

Earning Rewards

18. Referrer and Referee shall receive one (1) Amazon voucher Reward (Amazon voucher reward values = £25 UK, €35 Europe, $40 USA & $45 Canada) for each verified and Qualified Referral generated by Referrer.

19. The Reward is not transferable and may not be auctioned, traded, bartered or sold. Upon termination of the Program or any portion thereof for any reason, or upon cancellation of a Referrer's Program account for any reason, any unredeemed Reward accumulated by the Referrer shall be forfeited.

20. The voucher may be redeemed only once.

21. Voucher has no commercial value and cannot be redeemed for cash.

22. This offer is not available in conjunction with any other offer

23. All Amazon Gift Certificate are subject to their terms and conditions. Midpoint makes no representation and offers no warranty in respect of the goods and/or services purchased using the Amazon Gift Certificate and accepts no liability in respect of the same.

24. Amazon.co.uk and its affiliated websites is not a sponsor of this promotion. Amazon, Amazon.co.uk, the Amazon.co.uk logo, and the smile logo are trademarks or registered trademarks of Amazon EU SARL or its affiliates. Amazon.co.uk Gift Certificates (“GCs”) may be redeemed on the Amazon.co.uk website or affiliated website Javari.co.uk towards the purchase of eligible products listed in our online catalogue and sold by Amazon.co.uk or any other seller selling through Amazon.co.uk. GCs cannot be reloaded, resold, transferred for value, redeemed for cash or applied to any other account. Amazon.co.uk is not responsible if a GC is lost, stolen, destroyed or used without permission. See http://www.amazon.co.uk/gc-legal for complete terms and conditions. GCs are issued by Amazon.com Inc. and/or its affiliates and © 2013 by Amazon EU Sarl.

25. Employees of the Company, its Service Provider or any of its or their subsidiaries, affiliates or promotional agencies, including immediate family and household members, are not eligible.

Verified Qualified Referrals

26. Rewards are subject to verification. The Company may delay a Reward for the purposes of investigation. The Company may refuse to verify and process any transaction it deems, in its sole discretion, to be fraudulent, suspicious, in violation of these Terms and Conditions, or believes will impose potential liability on Company, its subsidiaries, affiliates or any of their respective officers, directors, employees, representatives and agents. All of the Company's decisions are final and binding, including decisions as to whether a Qualified Referral, Credit or Reward is verified.

Content Ownership and Use

27. All Content on the online platform is the property of the Company or its licensors and is protected under copyright, trademark, and other laws. The compilation (meaning the collection, arrangement, and assembly) of all content on the online platform or Program is the exclusive property of the Company and is protected by copyright, trademark, and other laws.

License to You

28. The Company authorises you, subject to these Terms, to access and use the online platform, Program, and the Content solely for your personal, non-commercial use. This license is revocable at any time without notice and with or without cause. Unauthorised use of the Content may violate copyright, trademark, and applicable communications regulations and statutes and is strictly prohibited. You must preserve all copyright, trademarks, service marks, and other proprietary notices contained in the original Content on any copy you make of it.

29. The Company reserves the right to cancel, change, or suspend the Program at any time without notice.

30. The Company reserves the right to disqualify any User and/or cancel any Reward(s) if they find a User to be tampering with the entry process or the operation of the Program or violating these Terms and Conditions. The Company may prohibit a User from participating in the Program or receiving a Credit/Reward, in their sole discretion, if they determine such User is attempting to undermine the fairness, integrity or legitimate operation of the Program in any way.

31. Use of any automated system, script, or macro to participate is strictly prohibited and will result in disqualification. Users may not enter with multiple or fake emails addresses or accounts, use fictitious identities or use any system, bot or other device or artifice to participate in the Program or receive a Reward.

Bulk Distribution ("Spam")

32. If a Referrer provides a Personal Link to a Referred Customer by email, the email must be created and distributed in a personal manner that is appropriate and customary for communications with friends, colleagues and family members. By submitting the email addresses, the Referrer represents that he/she has their prior consent.

33. Bulk email distribution, distribution to strangers, or any other promotion of a Personal Link in a manner that would constitute or appear to constitute unsolicited commercial email or "spam" in the Company's sole discretion is expressly prohibited and may be grounds for immediate termination of the Referrer's account and deactivation of the Personal Link. We have a no tolerance spam policy.

34. The Company has no obligation to monitor the content provided by Users; however, the Company may choose to do so and block any email messages, remove any such content, or prohibit any use of the Program.

35. Each Referrer is the actual sender of the emails and must comply with applicable law. Referrers who do not comply with the law, including anti-spam laws, are obligated to indemnify the Company and its Service Provider against any liabilities, costs and expenses it incurs as a results of such spam.

No Liability

36. IN NO EVENT SHALL MIDPOINT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES OF ANY KIND ARISING FROM YOUR PARTICIPATION IN THE REFERRAL PROGRAM, INCLUDING BUT NOT LIMITED TO SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE AND/OR CONSEQUENTIAL DAMAGES, EVEN IF MIDPOINT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. MIDPOINT’S MAXIMUM AGGREGATE LIABILITY TO REFERRER AND ANY THIRD PARTY UNDER ANY AND ALL CIRCUMSTANCES SHALL BE THE THEN-CURRENT DOLLAR VALUE OF ONE (1) REWARD. REFERRER RECOGNISES AND ACKNOWLEDGES THAT THIS LIMITATION OF DAMAGES IS FAIR AND REASONABLE.

37. ALL WARRANTIES, EXPRESS AND IMPLIED, ARE DISCLAIMED (INCLUDING, WITHOUT LIMITATION, THE DISCLAIMER OF ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY AND/OR FITNESS FOR A PARTICULAR PURPOSE). MIDPOINT MAKES NO REPRESENTATION OR WARRANTY WITH RESPECT TO ANY RESULTS OBTAINABLE THROUGH THE REFERRAL PROGRAM.

Applicable Law

38. Any and all disputes, claims and causes of action arising out of or related to the Program or any prize awarded shall be resolved under the laws of England and Wales. Users expressly consent and agree to submit to the exclusive jurisdiction of the courts of England and Wales in relation to all disputes arising out of or relating to the use of the Services.

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Recent Testimonials

Ed van Wezel
Ceo Hi-Tec Sports International Holdings B.V.

"Midpoint offers their customers a platform for making online forex payments. They offer great value and are very efficient. I would highly recommend trying them out"

David Strongman
President Reflex International Inc.

I have used Midpoint's currency service to transfer corporate funds from the US to Europe and found it to be efficient, easy to use and most importantly it saved my company 30%+ on wire transfer / bank charges.

Claudio Migliore
Italy

Trustworthy and innovative service. As an expat, I use Midpoint to fund my overseas and home accounts easily and at a minimal cost.

Meena Bhandari
Finance Manager, Radiumone

Midpoint is an excellent platform to exchange large amounts of money, in which they offer the most competitive exchange rates, which are very close to the spot rate. They invaluably assist businesses to save money.

Adam Hayes
Managing Director, SNH Tax

Having used various other currency brokers and banks and been involved with referring clients to currency brokers, I have found Midpoint’s to be the best. Once you have registered with Midpoint, the process is simple, transparent and quick. You feel more in control than with other brokers and whenever you might have a question, I have found Midpoint's staff friendly, clear and prompt. I would have no hesitation in recommending Midpoint.

Jo Hiley
Expat

I used Midpoint to transfer money abroad following the sale of my flat. I looked at various providers and found Midpoint to be the most competitive. Their staff have been fantastic throughout the whole process and I would highly recommend Midpoint to anyone. They saved me lots of money compared to using my bank. Try them out!

  • Ed van Wezel
  • David Strongman
  • Claudio
  • radiumone
  • SNH Tax
  • Jo Hiley
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