The small print, made clear.

1Who we are

[Legal entity name, e.g. UAB …] ("we", "us") is the data controller for the personal data described here. We are registered in the Republic of Lithuania, company code [000000000], with our registered office at [address], Vilnius, Lithuania.

You can contact our Data Protection Officer at [dpo@domain].

2Data we collect

• Identity: name, date of birth, nationality, personal code and identity documents.
• Contact: address, email address and phone number.
• Transfers: amounts, recipients, payout methods, and the card or bank account you pay with.
• Recipients: details you give us about the people you send money to.
• Checks: results of identity, fraud, sanctions and politically exposed person (PEP) screening.
• Technical: device, browser, IP address, login activity and cookies.
• Contact history: messages, calls and complaints.

3Why we use it

4Who we share it with

• Payout partners, banks and mobile wallet providers in the receiving country.
• Identity verification and fraud prevention providers.
• Payment processors and our banking partners.
• The Bank of Lithuania, the Financial Crime Investigation Service (FNTT), tax authorities and police, where the law requires.
• Service providers who host or support our systems, under contract.

We do not sell your personal data.

5Transfers outside the EU

Sending money abroad means some data goes to partners outside the European Economic Area. Where a country has no EU adequacy decision, we use the European Commission's Standard Contractual Clauses. You can ask us for a copy.

6How long we keep it

We keep customer and transfer records for [8] years after our relationship ends, as required by the Lithuanian Law on the Prevention of Money Laundering and Terrorist Financing. Marketing preferences are kept until you change them.

7Your rights

• Access your personal data.
• Correct data that is wrong or incomplete.
• Ask us to delete data we are not legally required to keep.
• Object to or restrict some processing.
• Receive your data in a portable format.
• Withdraw marketing consent at any time.

Contact [dpo@domain] to use your rights. We reply within one month. You can also complain to the State Data Protection Inspectorate of Lithuania (vdai.lrv.lt), or to your local authority: the Office for Personal Data Protection in Slovakia (dataprotection.gov.sk) or the Information Commissioner in Slovenia (ip-rs.si).

8Cookies

We use essential cookies to keep you logged in and secure. With your consent, we also use analytics and marketing cookies. You can change your choice at any time in [Cookie settings].

9Security

We use encryption, access controls and regular security testing. Only people who need your data can see it.

10Changes

We post changes here and tell you directly about important ones.

1What we will never do

If someone claiming to be us asks for any of these, it is a scam. Hang up and call us on the number on this website.

2Common scams

3Before you send

1. Stop. A real request can wait while you check.
2. Check. Do you know the person? Have you confirmed it on a number you already trust?
3. Ask. Talk to someone you trust, or to our support team.

If we think you may be the victim of a scam, we may pause your transfer and contact you. This is to protect you.

4Protect your account

• Use a strong password you don't use anywhere else, and turn on two-step verification.
• Only log in at our official website: [www.domain].
• Don't log in through links in messages.
• Keep your email and phone number up to date.

5Report fraud

Think you've been scammed, or someone used your account? Tell us straight away. The sooner you report, the more we can do.

Also report it to the police in your country: Lithuania 112, Slovakia 158, Slovenia 113.

6If you lose money

If a payment was made from your account without your permission, EU payment rules may entitle you to a refund. If you were tricked into sending money yourself, contact us immediately and we will explain what we can do. [Compliance to confirm refund wording]

1About us

Services are provided by [Legal entity name], company code [000000000], a [payment institution / electronic money institution] licensed by the Bank of Lithuania, licence number [LP000]. You can check our licence at lb.lt. We serve customers in Slovakia and Slovenia under the EU freedom to provide services [Compliance to confirm passporting notifications].

2Your account

• You must be at least 18 and live in Lithuania, Slovakia or Slovenia.
• You must give true information and keep it up to date.
• You may only use your account for yourself.
• We must verify your identity before you send, and may ask for more information at any time.

3Making a transfer

Before you confirm, we show the amount you pay, our fee, the exchange rate, the amount your recipient gets and the estimated delivery time. We receive your order when your payment reaches us and our checks are complete.

You are responsible for entering correct recipient details. If you make a mistake, we will make reasonable efforts to recover the money but cannot guarantee it.

4Fees and exchange rates

Our fee and rate are shown before you pay and fixed once you confirm. The rate includes a margin above the reference rate. Your bank or card provider, and some receiving banks or agents, may charge their own fees. [Compliance to confirm fee and currency conversion disclosure under EU Regulation 2021/1230]

5Delivery

Delivery depends on the destination, payout method, partner opening hours and our checks. We may delay a transfer for legal checks or to protect you from fraud, and will tell you unless the law prevents us.

6Cancellations and refunds

You can cancel free of charge before your transfer is paid out. Once paid out, it can't be cancelled. If we cancel or can't complete a transfer, we refund what you paid, including our fee.

7When we may refuse or suspend

We may refuse a transfer, or suspend or close your account, if we suspect fraud, money laundering or misuse, if we can't verify information, or if the law requires it. Where allowed, we will tell you why.

8Protecting your money

Money we hold for your transfers is safeguarded under the Lithuanian Law on Payment Institutions, separate from our own funds. It is not covered by deposit insurance.

9Our responsibility

If a transfer is not delivered, or is late because of our fault, we will refund you or put things right as the law requires. We are not responsible for losses caused by wrong details you give us, events outside our control, or delays caused by legal checks.

10Complaints

Contact us at [complaints@domain]. We reply within 15 business days, or 35 business days in exceptional cases, and will tell you if we need longer.

If you're not happy with our reply, you can take your complaint to the Bank of Lithuania, which resolves consumer disputes with financial firms free of charge (lb.lt), within one year of complaining to us.

11Changes and ending this agreement

We give at least two months' notice of changes to these terms. You can close your account at any time. We may close it with two months' notice, or immediately in the cases in section 7.

12Governing law

These terms are governed by the laws of the Republic of Lithuania. This does not remove any protection you have under the consumer laws of the country where you live.