Terms and conditions

Valid from 01-01-2026

Terms of Use of the England.pl service
(Terms and Conditions)

This Terms and Conditions govern the provision of online money transfer services offered under the trade name England.pl, provided by the Polish company Fintecom S.A., with its registered office in Koszalin, in close cooperation with Fintecom Limited, with its registered office in the United Kingdom, jointly referred to for the purposes of these Terms and Conditions as Fintecom. The agreement is concluded in Polish or English. It is recommended to print or download these Terms and Conditions and keep a copy for future reference. The most recent version of the Terms and Conditions is always available on the website www.england.pl and in the Client’s Panel after logging into the service, also in a version enabling the Terms and Conditions to be downloaded to the User’s device.

Upon concluding the agreement with the Client and upon each amendment thereto accepted by the Client (where required), Fintecom provides the Terms and Conditions (the agreement) to the Client on a durable medium in the form of an attachment to a message sent to the Client to the e-mail address provided by the Client during registration.

Definitions

The meaning of the terms used in these Terms of Use:

Fintecom S.A. – (hereinafter: Fintecom) means Fintecom S.A., a company established in accordance with the provisions of Polish law, with its registered office at ul. Marszałka Józefa Piłsudskiego 45, 75-502 Koszalin, Poland, holding the status of a National Payment Institution. Registered with the District Court in Koszalin, 9th Commercial Division of the National Court Register, under KRS number 0001056179; REGON 320877907; NIP 6692501424 and supervised by the Polish Financial Supervision Authority (IP4/2013). The company’s share capital amounts to PLN 631,107.00 and has been fully paid up.

Fintecom Ltd - Fintecom Limited, complying with company laws in England; The headquarters are based at The Barn, 173 Church Road, Northfield, Birmingham, B31 2LX. Companies House number: 13623885.

Fintecom – means both Fintecom S.A. and Fintecom Limited, as entities cooperating in the provision of the Service.

England.pl – is a commercial brand operated by Fintecom S.A. and Fintecom Limited.

Frost Money Ltd - means Frost Money Limited (No. 12231881) is authorised by the Financial Conduct Authority (FCA) as an electronic money institution under the Electronic Money Regulations 2011 (Firm Reference Number: 1020783). Registered Address: Fortunata House, 1st Floor, 15 Wellington Road, Eccles, Manchester, M30 0DR, United Kingdom

Keel Money Ltd – means Keel Money Ltd, registered in England and Wales under number 15668701. Registered address: Ground Floor, Fortunata House, 15 Wellington Road, Eccles, Manchester, M30 0DR, United Kingdom. Keel Money Ltd provides unregulated support services to Frost Money Ltd and is not engaged in any regulated activities.

Tpay – Krajowy Integrator Płatności S.A., with its registered office in Poznań, plac Władysława Andersa 3 (17th floor), 61-894 Poznań, entered in the National Court Register by the District Court Poznań – Nowe Miasto and Wilda in Poznań, 8th Commercial Division of the National Court Register, under KRS number 0000412357, with a share capital of PLN 5,494,980.00 (fully paid up), holding REGON number 300878437 and NIP 7773061579. 

BLIK – a method of executing cashless transactions based on a mobile banking system, consisting in the generation by the User of a one-time, six-digit authorization code. After entering it in an online form, the funds are transferred from the User’s bank account to Fintecom.

E-transfer (E-przelew) – a method of executing electronic transactions that enables the User to make a payment by selecting a bank from a list available on a dedicated page. After selecting the bank, the User is redirected to the electronic banking system, where, after transaction authorization, the funds are transferred from the User’s bank account to Fintecom.

FCA - British Financial Conduct Authority, 12 Endeavor Square, London E20 1JN, United Kingdom. www.fca.org.uk

UK Financial Ombudsman - Financial Ombudsman Service, Exchange Tower, London, E14 9SR. https://www.financial-ombudsman.org.uk/

Polish Financial Ombudsman – Financial Ombudsman Office, Al. Jerozolimskie 87, 02-001 Warsaw; www.rf.gov.pl

GIIF – Polish General Inspector of Financial Information, Address: Department of Financial Information, Ministry of Finance, ul. Świętokrzyska 12, 00-916 Warsaw. https://www.gov.pl/web/finance/department-of-financial-information

Service - money transfer service between Great Britain and Poland.

Client - individual/single entity, or legal entity, registered with the service of England.pl through an online registration form or via telephone or personal visit at the office, with the aim of using the Service; the individual or company having received a Unique Customer Number.

Service of "England.pl" - a transaction platform used to carry out transactions by the Client, view transaction history and manage personal data.

Client Portal – individual transaction and administrative portal created by the Client on England.pl's service, aiding the Client in completing transactions, checking transaction history, and managing personal data. Logging in to the Portal takes place with the use of security information.

Client Number – unique six-digit number given to each registered Client. The Client Number should be used in all Client communications with Fintecom.

Payment Instruction - a transfer/payment instruction or order given through the Client Portal, ordering a transfer to a bank account in Poland or Great Britain of monies earlier deposited in the company bank account of Fintecom S.A. The instruction/order includes details about the sender, the amount of money being sent, and the recipient whose account will be credited.

Authorisation - process of checking whether the Card User has sufficient funds allowing for the card transaction to be processed.

Card – payment card issued by Visa International and Mastercard Europe, allowing for a transaction to be processed without the Client being physically present.

Card User – an individual of 18 years or above, who has been issued the card by a bank, who has successfully created and activated their Client Portal.

Recipient - individual or company with an account in PLN in any bank in Poland or an account in GBP in any bank in Great Britain.

Card Transaction – transfer of funds from the User’s Card to one of Fintecom Sp. z o.o.’s accounts, in the amount stated by the Card User, after a successful authorisation, not exceeding transaction limits.

Recipient’s Account – a cash account in PLN or GBP kept by the Recipient's Bank.

Transaction Limits – daily and monthly restrictions on Transactions made from the Card or by bank transfer.

Card Authentication – a transaction to confirm that the User is the rightful owner of the Payment Card.

International Transaction - payment service based on Fintecom's acceptance of monetary funds (through internet banking or Card Transaction) in Poland or Great Britain, and the transfer of said funds to a recipient based in a country different to that of the payer (transaction sender).

Transaction Number – unique number given to each transaction at the time of making a payment instruction.

Safety Information - the Client’s e-mail address (login) and password provided by the Client during registration in the England.pl service, as well as the authorization code sent by Fintecom to the Client’s e-mail address provided during registration in the Service or, at the Client’s request, via the GG messenger.

Currency Exchange Rate – the rate of currency exchange published on the website www.england.pl – currency rate for exchanging GBP to PLN (selling) or currency rate for exchanging PLN to GBP (buying). The rate is also visible in the Client Portal after logging into England.pl's service.

Required Documents - copies of documents confirming the identity of the Client and a document confirming the Client's address of residence, produced no later than 3 months from the date of sending the documents. In the case of Business Clients, this also means documents confirming the existence of the enterprise and invoices. In certain, justified circumstances, copies of documents confirming the source of the funds may also be requested.

Working Day – these include Monday to Friday, from 09:00 - 18:00 GMT excluding any Bank Holidays and any additional days off work in Great Britain and in Poland.

Bank Account in the UK – a separate Client bank account called Fintecom, maintained by Frost Money Ltd is an Electronic Money Institution authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN 1020783), details of which will be provided to registered customers. The Client should make a transfer to this account in GBP if they intend to use the service covered by these regulations. The transferred Client funds will be sent by Fintecom Limited in accordance with the Payment Instruction submitted by the Client.

Bank Account in Poland – a separate Client bank account called Fintecom, maintained by Fintecom S.A. in a Polish financial institution, details of which will be provided to registered customers. The Client should make a transfer to this account in PLN if they intend to use the service covered by these regulations. The bank account in Poland is also the account that will be credited with funds for transactions made with payment cards. The funds received from the Client will be sent by Fintecom S.A. in accordance with the Payment Instruction submitted by the Client.

Privacy Policy – a document describing the rules governing the collection, processing, and protection of personal data as part of the services provided on England.pl available at: https://www.england.pl/en/company/privacy-policy

§ 1 General information.

  1. The following regulations define the conditions for the provision of internet money transfers under the England.pl brand.
  2. For Customers who have chosen e-transfer or BLIK as the payment method for transferring funds, the service is provided by Fintecom S.A., through Krajowy Integrator Płatności S.A. (Tpay).
  3. For all clients who have chosen bank transfer as the method of transferring funds, this service is provided by Fintecom S.A. in Poland or by Fintecom Limited in Great Britain.
  4. If the Regulations refer to Fintecom, then the relevant provisions refer to Fintecom S.A. in Poland or Fintecom Limited in Great Britain.
  5. Through the England.pl service, Fintecom provides money transfer services only to Polish and British bank accounts of the beneficiary indicated by the sender of the transfer.
  6. Fintecom does not provide remittances to collect bearer cash at selected points.
  7. Fintecom does not accept cash deposits to any bank account and does not make cash withdrawals from any account. Fintecom only performs non-cash operations.
  8. Fintecom does not provide foreign currency transfers. In Great Britain, only British pounds (GBP) are transferred to recipients' accounts, and only Polish zloty (PLN) in the territory of Poland.

§ 2 Registration on the platform and accuracy of the Client’s data.

  1. A Client may hold only one Client profile on the Platform.
  2. Registration on the England.pl platform, as part of the initial procedure, consists of the Client providing basic Client data.
  3. The remaining required data and information must be provided by the Client as part of the full registration process, by submitting them prior to executing the first Payment Order to the recipient designated by the Client, as well as during the verification process after exceeding transaction Limits. Failure to complete the full registration process on the Platform will prevent the Client from using the Service.
  4. During registration, the Client confirms that they are of legal age and accepts responsibility for the accuracy of the data provided. In exceptional cases, registration may be carried out by a person who has reached the age of 16, with the consent of their legal guardians.
  5. The Client declares whether they will use the Service for private or commercial purposes by selecting the Client profile type (private or business) from the menu. In the case of registration as a business Client, the Client is required to provide all data relating to the conducted business activity. Failure to fulfill this obligation will prevent the Client from using the Service.
  6. As part of the registration process, the Client accepts the Terms and Conditions of the Service and the Privacy Policy.
  7. Upon completion of registration, the Client receives a unique Client Number.
  8. Information provided by the Client during the registration process or at a later date must be accurate and truthful. If the Client identifies any inaccuracies in their data or information provided to Fintecom, they are obliged to notify Fintecom without undue delay.
  9. The Client is obliged to ensure that their registration data is always accurate and up to date. Fintecom shall not be liable for any losses resulting from the Client’s negligence in this regard. Fintecom reserves the right to request the Client at any time to confirm the accuracy of registration information and to provide documents or other evidence.
  10. The Client is responsible for the accuracy of the data provided.
  11. Fintecom shall not be liable for the accuracy of data entered by the Client during account registration on the Platform or when adding a transfer recipient, nor for any losses or damages incurred by the Client as a result of inaccuracies or incompleteness of the data provided by the Client (such liability rests with the Client).
  12. In compliance with the provisions of the Act, Fintecom verifies the Client’s data provided during registration against the documents submitted by the Client and may also verify the Client in external databases for identification purposes. By confirming that they have read these Terms and Conditions, the Client consents to such verification.

§ 3 Possible Methods for international payments.

Fintecom allows several payment methods:

  1. A traditional online bank transfer to one of Fintecom’s bank accounts. After selecting this payment method and logging into the Client Panel, the Client should select “Bank Accounts” from the side menu and transfer the funds from the Client’s own bank account to the selected account number from the list.
  2. Payment via instant online transfer or BLIK (available only for payments from Poland to the United Kingdom). After selecting this payment method, the Client is redirected to the payment operator’s website, Tpay, where they should follow the on-screen instructions. After the payment is completed, the Client’s bank account will be debited with the order amount. Payments must be made exclusively from the Client’s own bank account. The connection to the Tpay website is encrypted and fully secure.
  3. Funds used to execute payments must originate exclusively from the Client’s own bank account, regardless of the selected payment method. Failure to comply with this requirement may result in the Client’s account on the England.pl platform being blocked.

§ 4 Transfers to Fintecom accounts.

  1. Only Clients who have completed the registration process correctly are entitled to carry out transactions via instant online transfer or BLIK and to access Fintecom’s bank account numbers to which they may transfer funds for the purpose of making remittances to Poland or the United Kingdom.
  2. Fintecom’s bank account numbers are available in the Client Panel after logging in to the England.pl Platform.
  3. Clients making transfers from the United Kingdom to Poland shall transfer funds exclusively in pounds sterling (GBP) to Fintecom Ltd’s UK bank account designated for the provision of money remittance services. Fintecom does not accept cash deposits and accepts only transfers made from the Client’s own bank account.
  4. The bank account for Fintecom Ltd is provided by Frost Money Ltd, a licensed UK electronic money institution (EMI), in cooperation with Keel Money Ltd, a technology provider supporting account services.
  5. Clients making transfers from Poland to the United Kingdom shall transfer funds exclusively in Polish zloty (PLN) to one of Fintecom’s Polish bank accounts held with the following banks:
    a. PKO BP,
    b. PEKAO SA,
    c. Santander,
    d. Credit Agricole,
    e. mBank,
    f. Millennium,
    g. Alior Bank,
    h. BNP Paribas.
  6. Transfers to Fintecom’s bank accounts as well as instant online transfers or BLIK transactions may originate exclusively from the bank accounts of registered Clients. Fintecom does not accept cash deposits or transfers from persons who have not registered on the England.pl Platform.
  7. Fintecom does not accept cash deposits and accepts exclusively bank transfers made from the Client’s own bank account, as well as electronic payments and BLIK payments.

§ 5 Procedure for payments via instant online transfer and BLIK (only from Poland to the United Kingdom).

  1. When submitting a Payment Order on the England.pl Platform, the Client selects one of the payment funding methods made available by Fintecom, convenient for the Client, including online bank transfer, instant online transfer, BLIK, or another method provided by the payment operator Tpay.
  2. If the Client selects instant online transfer or BLIK as the payment method, the Client will be redirected to the Tpay website, which acts as the Payment Administrator for payments made using these methods.
  3. After being redirected to the Tpay website, in order to complete the payment, the Client should follow the procedure displayed on the Tpay service.
  4. An electronic payment may be executed exclusively using a payment instrument belonging to the Client, with funds originating from the Client’s personal bank account that holds sufficient funds to execute the transaction. If the Client’s bank account does not contain sufficient funds to cover the transaction amount, the transaction will not be executed.
  5. The amount of an instant online transfer or BLIK payment may not exceed the amount of funds available in the Client’s bank account from which the payment is to be made.
  6. Payments via instant online transfer or BLIK may be initiated 24 hours a day, 7 days a week, including public holidays and non-working days, except for interruptions caused by the necessity of IT system maintenance, telecommunication network failures, or other factors beyond the control of Fintecom or Tpay.
  7. Transaction security is ensured by Tpay. Payments are processed on Tpay’s secure transaction website.
  8. Fintecom does not have access to payment data processed by Tpay; such data is stored by the payment administrator, Krajowy Integrator Płatności S.A. (Tpay).
  9. The currency in which the Client’s bank account is debited is the Polish zloty (PLN).
  10. Currency conversion from one currency to another (PLN → GBP) is carried out in accordance with the current exchange rate of the England.pl Platform published in the Client’s individual panel and visible at the time of submitting the Payment Order. The exchange rate depends on the transfer amount.
  11. By executing the transaction, the Client accepts the transaction currency, the current published exchange rate, and any additional fees displayed during the transaction process.
  12. An international transfer from Poland may be executed only to the recipient’s bank account in the United Kingdom, the settlement currency of which is the British pound (GBP).
  13. In order to execute the transaction, Fintecom transfers to Tpay (the payment administrator) the necessary data related to the payment order submitted by the Client.
  14. The execution of a Transaction is conditional upon:
    a. specifying a transaction amount that does not exceed the Transaction Limits,
    b. providing a correct recipient bank account number,
    c. providing the recipient’s first name, last name, and address,
    d. providing the payment reference,
    e. obtaining a positive Authorization.
  15. A positive Authorization shall be granted only in respect of payments for which the Client’s bank account holds funds sufficient to cover the transaction. Fintecom shall not be liable for any refusal to execute a payment due to insufficient funds in the Client’s bank account.
  16. In the absence of positive Authorization, the Transaction shall not be executed.
  17. When forwarding the transfer to the recipient’s bank, Fintecom shall include the following in the payment reference:
    a. the Client’s first and last name,
    b. the payment reference provided by the Client,
    c. a unique transaction number.
  18. The recipient’s bank account shall be credited within one hour or several hours (depending on the recipient’s bank), but no later than by the end of the business day following the day of positive authorization of the transaction.
  19. Fintecom shall not be liable for events resulting from the Client providing an incorrect recipient bank account number when submitting the Payment Order.
  20. A Transaction Order is irrevocable. In exceptional cases, Fintecom may cancel a Transaction at the Client’s request, provided that the funds have not yet been transferred to the Recipient’s Bank.
  21. The maximum amount of a single money transfer executed via Tpay payments is PLN 1,000.
  22. In the event that the Client submits several instant online transfer or BLIK transactions simultaneously that exceed the amount referred to in the point above, the processing time of such orders may be extended due to the necessity of additional transaction security verification.

§ 6 Transfer Notification (Payment Instruction).

  1. The Client is obliged to notify Fintecom of a transfer made to Fintecom’s bank accounts by submitting a valid Payment Order, including the provision of recipient details to whose bank account the international transfer is to be executed. Fintecom considers a Payment Order to have been duly received at the moment the transfer order is created and confirmed by the Client using an authorization code in the User Panel. If Fintecom receives a payment order on a day that is not a business day for Fintecom, the order shall be deemed received on the first business day following that day. The Client (Sender) is required to provide in the transfer order all details necessary to execute the transfer, namely the recipient’s first and last name, address, transfer amount, payment reference, and the recipient’s bank account number.
  2. The transfer amount specified in the Payment Order must correspond to the amount transferred by the Client to Fintecom’s bank account.
  3. A Payment Order may be revoked by the Client at any time, but no later than until Fintecom receives the funds from the Client for the execution of the payment in accordance with the submitted Payment Order. Upon receipt of the funds, the Payment Order becomes irrevocable.

§ 7 Transfer limits and restrictions.

  1. Fintecom does not accept cash deposits to Fintecom’s bank accounts. Transfers may be made exclusively in non-cash form via bank transfer, electronic payments, or BLIK, and solely from the Client’s personal bank account.
  2. If the transfer sender (the Client) transfers to Fintecom’s account a single amount exceeding the equivalent of EUR 1,000, or makes several smaller transfers whose total exceeds the equivalent of EUR 1,000, the Client is obliged—prior to Fintecom executing the payment order—to submit copies of the required documents for the purpose of verifying the Client’s account by Fintecom.
  3. Fintecom shall not be liable for any delays or suspension of transfers resulting from the failure to provide the above-mentioned documents.
  4. If the transfer sender transfers to Fintecom’s account an amount exceeding the equivalent of EUR 10,000 either as a single transfer or cumulatively within a period of three months, the Client is additionally obliged to submit copies of documents confirming the source of funds. In justified cases, Fintecom may request such documents also for lower amounts.
  5. The amount of a single transfer (made to Fintecom via online banking) should not exceed GBP 50,000 for transfers from the United Kingdom or PLN 250,000 for transfers from Poland. Higher transfer amounts may also be executed, subject to the Client contacting Fintecom in advance and agreeing on the conditions.
  6. The limit for a single transfer (free of charge) made to Fintecom via instant online transfer or BLIK for transfers from Poland to the United Kingdom is PLN 1,000.

§ 8 Lead Time.

  1. The international transfer is carried out after receiving the transfer to our account and after receiving the correct Payment Instruction.
  2. In practice, Fintecom carries out transfers within a few minutes up to a 1 working hour, every working day. In exceptional cases, up to several business hours and no later than the end of the next business day following the day on which the correct Payment Instruction was received.
  3. If Fintecom receives a Payment Order on a non-working day, it will consider such transfer as received on the next business day.
  4. In the case of a transfer to Poland, to an account at a bank in which Fintecom does not have a bank account, the funds will be credited in accordance with the banking sessions in force at the given bank.

§ 9 Suspended Transactions.

Fintecom has the right to put a transfer on hold in the following circumstances:

  1. There is a justified suspicion to believe that money laundering or terrorism financing is taking place,
  2. The money for the execution of the client's order comes from another person's account,
  3. The client did not provide the required documents,
  4. The Client did not update their documents (as per our request).
  5. The Client has submitted unreadable, unclear, incomplete, or not up to date documents.
  6. The Client did not submit the correct Payment Instruction,
  7. If there is a discrepancy between the amount stated in the Payment Instruction and the amount actually transferred into one of Fintecom's accounts
  8. There is reason to believe that the Client is acting with intent to harm third parties or that their actions may harm Fintecom's reputation.
  9. If a request to suspend the transaction is received from GIIF.
  10. If a request to suspend the transaction is received from the prosecutor.
  11. If there is a justified suspicion that the client's transaction or funds are related to a fiscal offense or a crime other than money laundering or terrorist financing.

§ 10 Fees and Commissions.

Transfers from Great Britain to Poland:

  1. Funds up to 2,000 GBP (paid by bank transfer or credit card) are transferred to Poland after deducting a fee of 2 GBP,
  2. Transfers with a value equal to or greater than 2,000 GBP are transferred to Poland free of charge.

Transfers from Poland to Great Britain:

  1. Funds up to 10,000 PLN (paid by bank transfer or credit card) are transferred to Poland after deducting a fee of 10 PLN,
  2. Funds in an amount of up to PLN 1,000 paid via instant online transfer or BLIK are transferred to the United Kingdom after deducting a fee of PLN 15,
  3. Transfers with a value equal to or greater than 10,000 PLN are transferred to Great Britain free of charge.

§ 11 Currency Exchange Rate.

  1. Clients are continually updated on the current exchange rate. The rate for a given amount is published in the calculator on the first page of the website www.england.pl, moreover, it is visible in the Client Portal after logging in and when submitting the Payment Instruction before its approval. The Client should check the rate before making the transfer to our account and submitting the Payment Instruction.
  2. The currency exchange rate has four decimal places. The current currency rate will be used until the time when a new currency rate is published.
  3. The rates are variable and depend on the state of the Forex market and the amount transferred. Changes in exchange rates are effective immediately without prior notice. The Client has no right to object to such changes.
  4. Business Clients, or clients who wish to transfer larger amounts mentioned in point 7, can request individual rates, visible in the Client Portal after logging into the system.
  5. Money paid in by Retail Clients is calculated at the currency exchange rate published at the time when one of Fintecom's accounts was credited with the Client’s money (the date when our account is credited with the money is taken into account, not the date of placing the Payment Instruction). After placing the Payment Instruction, you should immediately proceed with the transfer of funds to the Fintecom account.
  6. Money paid in by Business Clients is calculated at the currency exchange rate published at the time when the Payment Instruction was placed. The currency exchange rate offered for the transaction is reserved for 24 hours during which we wait for one of Fintecom's accounts to be credited with the Client’s money. If our account is not credited with the money during that time, the reserved exchange rate will no longer apply.
  7. A Retail Client has the right to negotiate the currency exchange rate with amounts higher than 10,000 PLN or 2,000 GBP.
  8. By sending money, the Client confirms that he or she wishes to proceed with the payment at the rate published when submitting the Payment Instruction in the Client Portal.
  9. Once the money is received, the currency rate is reserved for the Client, and will not change even if the transfer is put on hold due to incomplete information or lack of required documents, or even if the transfer cannot be made that day because the funds were received on a non-working day.

§ 12 Use of Service.

  1. A Client who has made a transfer to one of Fintecom's bank accounts and has filled out a Payment Instruction form gives Fintecom permission to transfer the money from Great Britain to Poland or from Poland to Great Britain. (International transfer).
  2. International transfers are made by converting the funds from the currency exchange rate of the sender to the currency rate used in the recipient's country, using the exchange rate published at https://www.england.pl/, or in the Client Portal when placing the Payment Instruction.
  3. The Client cannot change or cancel the Payment Instruction submitted to Fintecom, as once it has been received, the process of sending the money to the recipient has begun, and therefore Fintecom cannot return the funds to the sender's account. In certain circumstances, Fintecom may attempt to cancel the Transaction as per the Client's request, only if the funds have not yet been sent to the recipient's account.
  4. Money paid in and money paid out is always recorded in a system used specifically for our services.
  5. Each transaction is assigned a unique transaction number, which is specified in the transaction history.
  6. Once the Client completes a Payment Instruction, he will receive an e-mail receipt confirmation. The status of the transaction can also be viewed under 'Transaction History' in the Client Portal.
  7. After the money transfer is made, the Client will receive a transfer confirmation notification via a message sent to the e-mail address and optionally in the GG communicator. The status of the transaction under 'Transaction History' in the Client Portal will change to completed.
  8. All information regarding the Client’s transactions, including: transaction numbers, recipients’ data, amounts and currencies of transactions, fees, rates, currency dates – are available at all times in the ‘Payment History’ section of the Client Portal.
  9. The Client confirms that they do not transfer or have not received any funds from criminal or unlawful activity.

§ 13 Return of Funds.

  1. In circumstances where the Client requests a return of funds sent to one of our accounts, or in cases where we are forced to return the funds because the Client has given incorrect details of the recipient (e.g., wrong bank account number), Fintecom will return the funds, as per the Client's request, to the sender's bank account, only if the funds have not yet been sent to the recipient's account. A fee of 2 GBP (return to an English account) or 10 PLN (return to a Polish account) will be charged for the refund.
  2. If the Fintecom account is credited with funds from an account of a person who is not a registered Client, that person (the owner of the account from which the funds were received) should register on the website and order a transfer from their Client Portal or contact Fintecom to return funds to their account.
  3. The refund may take place after such person presents documents which verify that they are the sender of the transfer.
  4. The refund will be made within 3 business days of receiving the refund request.

§ 14 Limited Liability.

  1. Fintecom cannot be held responsible for any losses a Client may incur due to a transfer being made as per the Payment Instruction.
  2. Fintecom cannot be held responsible for any harm or losses incurred due to any delays caused by a third party, i.e., Polish, or British banks, power cuts or lack of Internet connection which make it impossible for Fintecom to carry out the service in the time period previously specified.
  3. Fintecom cannot be held responsible for any misunderstandings or conflicts that may arise between the sender and recipient of the transfer.
  4. Fintecom is not obliged to carry out the service under special circumstances which Fintecom has no control over, and which make it impossible to provide the service.
  5. The Client accepts full responsibility for any actions that occur due to the Client's negligence of required safety measures with regards to giving access to own bank account, payment card or safety information to unauthorised parties.
  6. Fintecom is not liable to the Client for any indirect losses or damages, loss of profits or potential benefits.
  7. These Terms and Conditions, or general Terms of Use, do not make Fintecom responsible to any entity or party other than the Client, and cannot be used for legal action against Fintecom by any party other than the Client him/herself.
  8. It is forbidden to make transfers from a bank account that is not the Client's own bank account. Any attempt to do so would be taken very seriously and any attempt to use a payment instrument that is not owned by the Client will be treated as fraud.
  9. Using of Fintecom's bank accounts for any unlawful activities such as fraud or money laundering is strictly forbidden. Fintecom will inform appropriate government bodies of any suspicious activity. The service users must not abuse or avoid user restrictions set out by Fintecom for the services provided.
  10. It is the Client's responsibility (and not Fintecom's) to ensure that they are sending or receiving funds from individuals or companies, or are selling or buying goods, in accordance with the law. If the Client doubts in any way the legitimacy of goods received or bought, they should not, under any circumstances, make the payment.

§ 15 Client Contact.

  1. In order to use the service and effectively communicate with Fintecom, the Client must have the following: access to a computer, or other device with access to Internet, an email address and telephone number. All contact and transaction notifications can be directed to Fintecom via the above-mentioned means of communication.
  2. We may contact the Client via e-mail or any other means with regards to providing a service. The most common means of contacting the Client is by sending the Client a direct message in their Client Portal, alongside an e-mail notification. The Client has a responsibility to regularly check that their email account and other ways of communication stated in the registration form are functioning well, and to immediately read any information sent via the Portal. We cannot be held responsible for any losses incurred due to the Client's negligence in this matter.
  3. We ask that the Client number is stated every time the Client tries to contact Fintecom. During a telephone call, in order to verify the caller, we may ask the Client to answer additional questions or to provide us with their telephone access password, which would have been set up during the registration process.
  4. Fintecom holds the right to send text messages or emails with any information regarding any changes to the transaction system, changes in the Terms and Conditions or Privacy Policy, technical breaks or any other important matters regarding the service provided.
  5. The Client may receive a newsletter electronically, which will inform the Client of any new functions, events, promotions, special offers or competitions. The newsletter will only be sent to those Clients, who have explicitly given their permission to receive marketing news from Fintecom. The Client can choose to stop receiving these types of communications at any time, simply by requesting this change in their Client Portal or by contacting Customer Services. Any newsletters sent out via e-mail will also give the Client the ability to opt out from receiving any future newsletters.
  6. The Client may contact us at any time by sending a message to our Customer Services department. Current contact details are published at https://www.england.pl/en/company/help-and-contact. A preferred method of contact is by sending the operator a direct message via the Client Portal, once logged in.

§ 16 Complaints Procedure.

  1. All complaints should be sent to Fintecom in accordance with the Complaints Procedure. A complaint can be sent directly to Fintecom or by logging into the Client Portal.
  2. Customers whose centre of vital interests is located in Poland or within the European Union, should submit complaints in accordance with the complaint procedure available on the following page: Reklamacje.
  3. Customers from the United Kingdom should submit complaints in accordance with the complaint procedure available on the following page: Complaints procedure
  4. If Fintecom accepts obligations towards the Client, they will in any case be limited only to the amount specified in the Payment Instruction and in accordance with the actual transfer to Fintecom's bank account.
  5. The right to request compensation for a service provided incorrectly is given to the Client only if they immediately inform Fintecom Sp. z o.o. of their wrongdoing, no later than 13 months after the service had been provided.

§ 17 Client’s Personal Data.

  1. Processing of personal data will be done in line with the Privacy Policy, which is enclosed on our website and in the Client Portal. By accepting the Terms of Use, the Client also accepts the terms of our Privacy Policy.
  2. Fintecom collects, processes and stores Client's personal data (in order to carry out its services) in accordance with the Regulation of the European Parliament and Council (EU) 2016/679 of 27 April 2016, relating to the protection of physical persons and personal data processing, as well as the fluid movement of such data, and the repeal of the directive 95/46/WE (general directive on protection of data).
  3. The Privacy Policy can be reviewed on the website https://www.england.pl/en/company/privacy-policy

§ 18 Termination of Service Provision.

  1. The Client has the right to terminate the Framework Agreement at any time, in turn, deactivate their Client Portal and discontinue to use the services provided by Fintecom Sp. z o.o. via England.pl service.
  2. The deactivation of the Client Portal does not mean that any data held about the Client is deleted. Pursuant to the provisions of law, these data together with the transaction history will be stored for a period of five years from the date of termination of the business relationship with the client.
  3. Fintecom may terminate the framework agreement with the Client with two months' notice.
  4. Fintecom has the right to put on hold or close a Client Portal without prior notice in the following circumstances:
    1. Any of the above Terms of Use or any other terms with regards to the service provided have been breached by the Client,
    2. Violation of the law or evidence to suspect violation of the law or any terms and regulations relating to the use of the service by the Client,
    3. There is enough evidence to suspect that the Client is involved in some criminal or unlawful activity, money laundering or financing of terrorism,
    4. The Client has not provided the required documents or refuses to complete and update already held documentation.

§ 19 Final Remarks.

  1. In case where the service cannot be provided by Fintecom , the Client is not eligible for compensation under the Financial Services Compensation Scheme (FSCS) or the Polish Bank Guarantee Fund, as the service provided by Fintecom via England.pl is not a banking or fiduciary service covered by government guarantees. Nevertheless, Clients' funds are protected under the safeguarding of Client accounts.
  2. The Client accepts the Terms and Conditions when he or she submits a Payment Instruction.
  3. Fintecom has the right to change the Terms and Conditions at any time, considering the 2-month period to announce any changes to the Clients.
  4. Any other changes that do not have a significant impact on the terms of the service provided may be introduced immediately; the Client will be notified about such changes.
  5. Fintecom will inform all users about any proposed changes to the Terms and Conditions via e-mail, sent to the e-mail address given during Client's registration.
  6. The proposed change will enter into force 2 months after sending the original proposal to all users, unless we receive a message from the Client objecting to the change before the planned date of the change’s entry into force.
  7. The Client has the right to terminate the framework agreement before the proposed amendments to the Regulations enter into force with effect from the date of notification of these amendments, but no later than on the date on which these amendments would be applied; cancellation is free of charge.
  8. If the Client has objected to the proposed changes but has not terminated the framework agreement, the agreement will expire on the day preceding the entry into force of these changes.
  9. If the Client does not object to the proposed changes before the date of their entry into force, it is considered that they have agreed to them.
  10. The expiry or termination of the contract is tantamount to the termination of the Service and the deactivation of the Client Portal.
  11. No person other than the Client will have any rights under these Terms of Use.
  12. The Client Portal on the England.pl website is the personal profile of the Client. The Client may not assign any rights under these Terms of Use to any third party.
  13. Disputes that are not resolved through the standard complaint procedure shall, in the first instance, be settled amicably. If an amicable settlement is not reached, any disputes arising shall be examined by the court having jurisdiction over the registered office of:
    a) Fintecom S.A. – in the case of claims arising within Poland and the European Union,
    b) Fintecom Ltd – in the case of claims arising within the United Kingdom.

Terms and conditions to download