text: Winngie Exchange and Transfer Money Terms | Winngie
  Below, you may find all necessary information about the terms using our services.
  (a) Our Privacy Policy which sets out the terms on which we process any personal data we collect about you, or that you provide to us. By using our Services, you consent to such processing and you promise that all data provided by you is accurate.
  (d) Our Frequently Asked Questions ("FAQ") which provides answers to common customer questions.
  2.5 Future changes to this Agreement. All future changes set out in the customer notice section of our Website at the time you sign-up for our Services are incorporated into this Agreement.
  2.7 Where to get a copy of this Agreement. You can always see the most current version of this terms and condition on our Website. If you want a paper copy of this Agreement, please contact customer support.
  API means the application programming interface provided by Winngie.
  Balance means any amounts held in your Winngie Account.
  Business Day means a day other than a Saturday, Sunday or a public holiday in Turkey when financial institutions in Istanbul are open for business.
  Exchange rate means the currency which has been arbitrarily received from 3rd parties. It may vary up to 3rd party.
  Deal means the agreement between two parties on our platform.
  Winngie Account means the account you have opened with us in accordance with the terms of this Agreement.
  Website means any webpage, including but not limited to www.winngie.com, where we provide the Services to you.
  "Customer Countries" means the countries where IDT is offering the Winngie Account, and Winngie membership is available. A full list of Customer Countries is available here.
  "Fees and Limits Schedule" means the fees and limits schedule displayed here.
  "Global Foreign Exchange Market" means the global, worldwide-decentralized financial market for trading currencies. Financial centers around the world function as anchors of trading between a wide range of different types of buyers and sellers around the clock, with the exception of weekends. The foreign exchange market determines the relative values of different currencies;
  "we", "us" or "our" means Winngie.com
  "Website" means the website hosted at www.Winngie.com or such other URL as may be designated from time to time that allows you to access your personal card information. The website provides up-to-date information about your Account, Card Transactions and Currency Swap Transactions and you will need an internet connection to access it; and
  "Winngie Membership" means a fully functioning Winngie account which you must have in order for IDT to open an Account for you.
  Winngie App and API
  4.1 App subject to this Agreement and the Appstore Rules. We license the use of the App to you on the basis of this Agreement and subject to any rules and policies applied by any appstore provider or operator whose sites are located at Apple Store and Google Play. We do not sell the App to you. We remain the owners of the App at all times.
  4.2 App updates. From time to time updates to the App may be issued through Apple Store or Google Play. Depending on the update, you may not be able to use our Services via the App until you have downloaded the latest version of the App and accepted any new terms.
  5.1 Our company information. Winngie Teknoloji Limited is a company incorporated under the laws of Europe. ("Winngie", "we", "us", or "our" as applicable).
  5.2 How to contact us. You can contact us by email, web chat or telephone. Our contact details are provided on the contact page of our Website.
  6.1 You must be 15 years or over. If you are an individual, you must be 15 years or older to use our Services and by opening a Winngie Account you declare that you are 15 years or older. We may ask you at any time to show proof of your age.
  6.3 Your use of the Winngie Account must not violate any applicable laws. You commit to us that your opening and/or using of a Winngie Account does not violate any laws applicable to you. You take responsibility for any consequences of your breach of this section.
  Your Winngie Account
  7.1 About your Winngie Account
  (a) Your Winngie Account allows you to match with other people for money exchange/payments/transfers.
  (b) The electronic money held on your Winngie Account does not expire other than when your account is closed, see section 19 for more details.
  (c) The electronic money held on your Winngie Account will not earn any interest.
  (e) You may withdraw money from your Winngie Account at any time subject to certain conditions, please see section 16 for more details.
  (f) Certain limits may be placed on your Winngie Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits.
  (g) The electronic money held on your Winngie Account belongs to the person or legal entity which is registered as the Winngie Account holder.
  (h) Unless you have our consent in writing, you must not allow anyone to operate your Winngie Account on your behalf.
  7.2 Your electronic money in the Winngie Account is issued in accordance with the EU Electronic Money Directive (Directive 2009/110/EC of 16 September 2009) and the UK Electronic Money Regulations 2011.
  7.3 UK Financial Services Compensation Scheme DOES NOT apply. Your Winngie Account is an electronic money account and is not a bank account. You acknowledge that the UK's Financial Services Compensation Scheme does not apply to your Winngie Account. In the event that we become insolvent, you may lose the electronic money held in your Winngie Account. However, we follow the requirements under the EU Electronic Money Directive 2009/110/EC and UK Electronic Money Regulations 2011 which are designed to ensure the safety of funds held in electronic money accounts like your Winngie Account. For further information on how we look after your money, please visit FAQ.
  8.1 Open a Winngie Account. To start using our Services, you must open a Winngie Account and provide your details as prompted.
  8.3 Transacting on your own account. All activities under a Winngie Account shall be deemed as activities carried out by the registered user. You shall only use the Services to transact on your own account and not on behalf of any other person or entity.
  8.4 One account per person or entity. You may only open one Winngie Account unless we have agreed in writing the opening of additional accounts. Winngie may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Winngie may close or merge these duplicate accounts at its sole discretion.
  9.1 We are required by law to carry out all necessary security and customer due diligence checks on you (including any parties involved in your transaction for example, your recipient) in order to provide any Services to you. You agree to comply with any request from us for further information and provide such information in a format acceptable to us. In addition, you agree that we may make, directly or through any third party, any inquiries we consider necessary to validate the information you provided to us, including checking commercial databases or credit reports. You authorise us to obtain one or more of your credit reports, from time to time, to establish, update, or renew your Winngie Account with us or in the event of a dispute relating to this Agreement and activity under your Winngie Account.
  Keep your Winngie Account safe
  10.1 Keep your Winngie Account safe
  (b) Contact Customer Support if anyone asks for your Winngie password.
  (e) Keep your e-mail account secure. You may reset your Winngie Account password using your email address. Let Customer Support know immediately if your email address becomes compromised.
  (a) Disclose your Winngie Account password or your customer reference number (which starts with the letter W followed by a series of numbers). Keep them safe.
  (b) Let anyone access your Winngie Account or watch you accessing it.
  10.2 Contact us if you suspect your Winngie Account has been compromised. If you suspect your Winngie Account or other security credentials are stolen, lost, used without your authorization or otherwise compromised, you must contact customer support immediately, you are also advised to change your password. Any undue delays in notifying us may affect the security of your Winngie Account and also result in you being responsible for financial losses.
  10.3 Authorising third parties. You may authorise third parties to access your Winngie Account to provide their services to you, including authorising them to initiate payments from your Winngie Account. You acknowledge that if you authorise a third party to access your Winngie Account, we may disclose certain information about your Winngie Account to this third party. We are not responsible for any such third party's use of your Winngie Account or any information in your Winngie Account. Granting permission to a third party does not relieve you of your responsibilities under this Agreement, including notifying us if your Winngie Account has been compromised or if a transaction is incorrect or unauthorised.
  Uploading money into your Winngie Account
  11.1 How to upload money into your Winngie Account. To upload money, you need to log in to your Winngie Account and follow the steps as they appear on screen. We are not responsible for the money you have uploaded until we have received them. For clarity, in an upload transaction, we are the recipient of funds and not the payment services provider.
  You promise that you will not exercise your chargeback right for reasons which we are not responsible, including a dispute with your recipient or if there are insufficient funds in your payment instrument. If we need to investigate or take any actions in connection with a chargeback raised by you, we may charge you for our costs in doing so and may deduct such amount from your Winngie Account.
  11.5 Upload limits on your Winngie Account. For legal and security reasons, we impose limits on how much you can upload into your Winngie Account.
  11.6 When we will credit your Winngie Account. We will credit your Winngie Account once we have received your money. For some Payin Methods such as credit or debit card, we will credit the money to your Winngie Account as soon as possible subject to our right of reversal. This means if the actual amount you intended to upload does not reach us within a reasonable time, we may deduct such amount from your Winngie Account. If you do not have enough money in your Winngie Account for this purpose, we can demand repayment from you using other methods.
  12.1 Setting up your payment order You must set up your payment order from your Winngie Account. Your order may either be:
  (a) a "Fixed Source Order" which is a payment order where you indicate that you wish to send and convert a fixed amount of Source Currency to your recipient who will receive the converted amount in the Target Currency; or
  (b) a "Fixed Target Order" which is a transfer where you indicate that you wish to send and convert a fixed amount of Target Currency to your recipient from the Source Currency you pay into Winngie.
  12.2 Information you need to provide to set up a payment order. To set up a payment order via your Winngie Account, you need to provide certain information to us including (a) the full name of your recipient, (b) your recipient's bank account details or their Winngie Account details and (c) amount to be transferred.
  12.5 What happens after you have submitted your payment order. Once we have received your payment order, we will send you a confirmation by email. Each payment order is given a unique transfer number and is shown in the transaction history on your Winngie Account. You should quote this transfer number when communicating with us about a particular payment order.
  12.6 You need to provide us with sufficient funds before we can process your payment order. We will only process your payment order if we hold or have received sufficient cleared funds in your Winngie Account. It is your responsibility to fund your payment order in a timely manner. We cannot be responsible for the time it takes for the money to be sent to us by your bank or payment service provider.
  14.1 You can receive money into your Winngie Account. You can receive money into your Winngie Account using methods which we support from time to time.
  14.2 The money received is shown in your Winngie Account. Any money you receive into your Winngie Account will be recorded in the transaction history section of your Winngie Account. You should check the incoming funds in your Winngie Account against your own records regularly and let us know if there are any irregularities.
  14.3 The money received may be subject to reversal. You acknowledge that the money received in your Winngie Account ("Received Amount") may be subject to reversal and you agree that we may deduct the Received Amount from your Winngie Account if it was reversed by the person who paid you the Received Amount or any relevant payment services provider.
  Maintaining your Winngie Account
  15.1 Transaction history is displayed on your Winngie Account. All your transactions (including your current Balance, money you have uploaded, received, sent and/or withdrawn) are recorded in the transaction history section of your Winngie Account. You may access this information after you log in to your Winngie Account. We have allocated a reference number to each transaction, you should quote this reference number when communicating with us about a particular transaction.
  15.2 Check your Winngie Account regularly. You must check your Winngie Account regularly and carefully and contact us immediately if you don't recognise a transaction or think we have made a payment incorrectly. You must tell us about any unauthorised or incorrectly executed transactions immediately, but no later than 13 months from the transaction; otherwise you may not be entitled to have any errors corrected.
  15.4 No negative balance in your Winngie Account. You promise to always have a zero or positive Balance in your Winngie Account. If your Winngie Account goes into a negative balance as a result of a chargeback, reversal of a transaction, deduction of fees or any other action carried by you, you promise to repay the negative balance immediately without any notice from us. We may send you reminders or take such other reasonable actions to recover the negative balance from you, for example, we may use a debt collection service or take further legal actions. We will charge you for any costs we may incur as a result of these additional collection efforts.
  Withdrawing from your Winngie Account
  16.1 You can request to withdraw your money. After you log in to your Winngie Account, you may request all or part of your money held in your Winngie Account to be withdrawn. Press "send money" and follow the steps as prompted on screen. We will charge you a fee for each withdrawal request, we will let you know the exact amount when you submit your request. You can also find out more information about the fees we charge on the Pricing page.
  16.5 Your withdrawal request is subject to limits. You agree that your Winngie Account is subject to withdrawal limits. If your withdrawal request exceeds the current limit, we may decline your request and require you to provide additional documents to us so that we can carry out additional checks before allowing the money to be withdrawn.
  17.2 You can see our fee structure on the Pricing page. We will let you know the exact amount payable by you when you set up your order. You can see our fee structure on the "Pricing" page. For clarity, the fees applicable to you as set out on the "Pricing" page forms part of this Agreement which may be subject to change as set out in section 26.
  17.3 We can make deductions from your Winngie Account. You agree that we are authorised to deduct our fees, any applicable reversal amounts, and/or any amounts you owe us from your Winngie Account. If you don't have enough money in your Winngie Account to cover these amounts, we may refuse to execute the relevant transaction or provide any Services to you.
  18.1 You may convert the money held in one currency in your Winngie Account into other currencies we support from time to time. You can only perform a conversion in respect of funds that you already hold in your Winngie Account. A conversion fee will apply when we perform a currency conversion, for more information, see here.
  Closing your Winngie Account
  19.1 You may close your Winngie Account at any time. You may end this Agreement and close your Winngie Account at any time by contacting our Customer Support.
  19.2 You should withdraw your money within a reasonable time. At the time of closure, if you still have money in your Winngie Account, you must withdraw your money within a reasonable period of time by following the steps described in section 16. After a reasonable period of time, you will no longer have access to your Winngie Account, but you can still withdraw your money by contacting Customer Support. You have the right to do this for a period of 6 years from the date your Winngie Account is closed.
  19.3 You must not close your Winngie Account to avoid an investigation. You must not close your Winngie Account to avoid an investigation. If you attempt to close your Winngie Account during an investigation, we may hold your money until the investigation is fully completed in order to protect our or a third party's interest.
  19.4 You are responsible for your Winngie Account after closure. You agree that you will continue to be responsible for all obligations related to your Winngie Account even after it is closed.
  20.1 While you are using our Services, you may use the Winngie Materials only for your personal use and solely as necessary in relation to those Services.
  20.2 "Winngie Materials" include any software (including without limitation the App, the API, developer tools, sample source code, and code libraries), data, materials, content and printed and electronic documentation (including any specifications and integration guides) developed and provided by us or our affiliates to you, or available for download from our Website. You may not, and may not attempt to, directly or indirectly:
  transfer, sublicense, loan, sell, assign, lease, rent, distribute or grant rights in the Service or the Winngie Materials to any person or entity;
  remove, obscure, or alter any notice of any of our trade marks, or other "intellectual property" appearing on or contained within the Services or on any Winngie Materials;
  modify, copy, tamper with or otherwise create derivative works of any software included in the Winngie Materials; or
  reverse engineer, disassemble, or decompile the Winngie Materials or the Services or apply any other process or procedure to derive the source code of any software included in the Winngie Materials or as part of the Services.
  21.2 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; for fraud or fraudulent misrepresentation.
  (a) where your Winngie Account, or its personalised security features, are lost, stolen or misappropriated. You will be liable for the first GBP 35 of any unauthorised payments if we believe you should have been aware of the loss, theft or unauthorised use. We will not hold you liable for the first GBP 35 if the unauthorised payment was caused either by our acts or omissions, or those of a third party expressly carrying out activities on our behalf. Your liability for the first GBP 35 also does not apply to any unauthorised transactions made after you have notified us that your Winngie Account may have been compromised (using the details we've given you);
  (c) if you do not quickly notify us of security issues on your Winngie Account (e.g. loss of your password), you remain liable for losses incurred up to your notification to us;
  (d) if the payment transaction was unauthorised but you have with intent or gross negligence compromised the security of your Winngie Account or failed to comply with your obligations to use your Winngie Account in the manner set out in this Agreement. In such a case you shall be solely liable for all losses; or
  21.7 You are responsible for checking your Winngie Account regularly. We rely on you to regularly check the transactions history of your Winngie Account and to contact Customer Support immediately in case you have any questions or concerns.
  21.10 What happens if you owe us money. In the event you are liable for any amounts owed to us, we may immediately remove such amounts from your Balance (if available). If there are insufficient funds in your Balance to cover your liability, we reserve the right to collect your debt to us by using any payments received in your Winngie Account and otherwise you agree to reimburse us through other means. We may also recover amounts you owe us through legal means, including, without limitation, through the use of a debt collection agency.
  Winngie cares about your privacy. Winngie's Privacy Policy (see the entire section below) describes our information practices (including messages), including the types of information we receive and collect from you, how we use and share this information, and your rights in relation to the processing of information about you. The Privacy Policy establishes the legal basis for our processing of personal information about you, including the collection, use, processing, and sharing of all such information, as well as the transfer and processing of such information where we have or use facilities, service providers, or partners, regardless of where you use our Services.
  Our Terms and Policies: You must use our Services according to our Terms and Policies. If you violate our Terms or Policies, we may act with respect to your account, including disabling or suspending it. If this occurs, the user must not create another account without our explicit permission.
  (a) violate, misappropriate, or infringe on the rights of Winngie, our users, or others, including privacy, publicity, intellectual property, or other proprietary rights;
  (b) are illegal, obscene, defamatory, threatening, intimidating, harassing, hateful, racially or ethnically offensive, or instigate or encourage conduct that would be illegal or otherwise inappropriate, including promoting violent crimes;
  (e) involve sending illegal or impermissible communications, such as bulk messaging, auto-messaging, auto-dialling, and the like; or
  Harm to Winngie Or Our Users: You must not (or assist others to) directly, indirectly, through automated or other means access, use, copy, adapt, modify, prepare derivative works based upon, distribute, license, sublicense, transfer, display, perform, or otherwise exploit our Services in impermissible or unauthorized manners, or in ways that burden, impair, or harm us, our Services, our systems, our users, or others, including that you must not directly or through automated means:
  (d) interfere with or disrupt the safety, security, or performance of our Services;
  (g) sell, resell, rent, or charge for our Services in an unauthorized manner;
  (h) distribute or make our Services available over a network where they could be used by
  multiple devices at the same time, except as authorized through tools we have expressly
  provided via our Services; or
  (i) create software or APIs that function substantially the same as our Services and offer them
  for use by third parties in an unauthorized manner.
  Keeping Your Account Secure: You are responsible for keeping your device and your Winngie account safe and secure, and if your account becomes unsecure you must notify us promptly of any unauthorized use or security breach of your account or of our Services.
  Third-Party Services: The use of our Services may allow you to access, use, or interact with third-party websites, apps, content, other products and services. Please note that the Terms and the Privacy Policy written here apply only to the use of our Services. Any use of third-party services, their own terms and privacy policies will govern your use of those services.
  (d) the website complies with our Acceptable Use Policy
  25.1 We may end this Agreement by giving you two months notice. We may end this Agreement and close your Winngie Account or any service associated with it by giving you two months' prior notice.
  25.2 We may suspend or close your Winngie Account without notice in certain circumstances.We may at any time suspend or close your Winngie Account and/or end this Agreement without notice if:
  25.3 We may suspend your Winngie Account for security reasons. We may suspend your Winngie Account or restrict its functionality if we have reasonable concerns about:
  (a) the security of your Winngie Account; or
  (b) suspected unauthorised or fraudulent use of your Winngie Account.
  27.1 We usually contact you via email. For this purpose, you must at all times maintain at least one valid email address in your Winngie Account profile. You should check for incoming messages regularly and frequently, these emails may contain links to further communication on our Website. If you don't maintain or check your email and other methods of communications, you will miss emails about your transactions and our Services. We cannot be liable for any consequence or loss if you don't do this. If we have reasonable concerns either about the security of your Winngie Account, or any suspected or actual fraudulent use of your Winngie Account, we will contact you via telephone, email, or both (unless contacting you would be unlawful or compromise our reasonable security measures).
  29.2 We may transfer this Agreement to someone else. You may not transfer, assign, mortgage, charge, subcontract, declare a trust over or deal in any other manner with any or all of your rights and obligations under this Agreement (including the Winngie Account) without our prior written consent. We reserve the right to transfer, assign or novate this Agreement (including the Winngie Account) or any right or obligation under this Agreement at any time without your consent. This does not affect your rights to close your Winngie Account under section 19.
  29.5 This Agreement supersedes any other previous agreements. This Agreement supersedes and extinguishes all previous agreements between you and Winngie, whether written or oral, relating to its subject matter.
  29.6 Which laws apply to this Agreement and where you may bring legal proceedings. This Agreement is governed by English law. Any dispute between you and us in connection with your Winngie Account and/or this Agreement may be brought in the courts of England and Wales.