1. Introduction

1. Stable Corner Ltd. is a company registered in England and Wales under registration number 07394386.
2. We are authorized and regulated by the Financial Conduct Authority (FCA) as an Authorised Payment Institution with registration number 537844.
3. StableCorner is registered as a Money Service Business (MSB) with the HM Revenue and Customs (HMRC) under the Money Laundering Regulations (MLR) with registration number XXML00000124988.
4. We are also registered with the Information Commissioner's Office (ICO) under registration number Z125231.

2. Services Provided

1. Bureau de change
   Stable Corner Ltd. offers bureau de change services, allowing users to exchange one currency for another at competitive rates.
   Users can submit a request to exchange a specific amount of one currency for another through Stable Corner's platform. The requested transaction will be processed based on the prevailing exchange rates at that time.
   Currency availability: Stable Corner provides a wide range of currencies for exchange, including major global currencies and some exotic currencies. The availability of specific currencies may be subject to change based on market conditions and regulatory requirements.
2. Money transmission
   Stable Corner Ltd. facilitates secure and reliable money transmission services for users, enabling them to transfer funds domestically or internationally. Users can initiate a money transfer request by providing the necessary recipient details and specifying the amount to be sent. Stable Corner will then process the transaction and ensure that the funds are securely delivered to the intended recipient.
   Service coverage: Money transmission services provided by Stable Corner cover both domestic transfers within the country and international transfers to various countries worldwide. The availability of specific transfer destinations may be subject to regulatory restrictions.
3. B2B Cross Border Services
   Stable Corner offers B2B Cross Border services for efficient fund deposition, exchange, and withdrawal in international transactions.
   Deposit:Securely deposit funds into your Stable Corner account, acquiring a corresponding digital representation. This enables seamless integration into Stable Corner's B2B Cross Border services.
   Exchange:Convert digital funds to tangible currency, subject to availability and applicable fees. Enhance cross-border transactions and operational flexibility.
   Withdrawal: Withdraw digital funds as physical currency, adhering to specific terms and conditions, minimum thresholds, and verification requirements based on regulations and market conditions.
   -Our B2B Cross Border services may vary due to evolving terms, regulations, and market dynamics at the time of transaction.

3. User Obligations and Responsibilities

1. Providing accurate personal information
   1. Users are required to provide accurate and up-to-date personal information during the registration process.
   2. The provided information may include but is not limited to full name, contact details, date of birth, and identification documents.
   3. Users should ensure that the provided information is true, complete, and reflects their current circumstances.
2. Compliance with laws and regulations
   1. Users are responsible for complying with all applicable laws, regulations, and legal requirements in their jurisdiction.
   2. This includes but is not limited to laws related to financial transactions, money laundering prevention, and the use of Stable Corner's services.
   3. Users should refrain from engaging in any illegal activities or using Stable Corner's services for unlawful purposes.
3. Lawful use of services
   1. Users must use Stable Corner's services in a lawful and ethical manner.
   2. The services should be utilized for legitimate purposes and should not be used for any fraudulent or unauthorized activities.
   3. Users shall not engage in any activities that may harm Stable Corner's reputation or violate the rights of others.
4. Protection of login credentials
   1. Users are responsible for safeguarding their login credentials, including usernames, passwords, and any other authentication methods provided by Stable Corner.
   2. Users should not share their login credentials with third parties or allow unauthorized access to their accounts.
   3. Users shall be liable for any actions or transactions conducted using their account credentials.
5. Reporting unauthorized use or breaches
   1. Users should promptly report to Stable Corner any unauthorized use of their account or any security breaches they become aware of.
   2. This includes notifying Stable Corner about any suspicious activities or unauthorized transactions.
   3. Users should cooperate with Stable Corner in mitigating the effects of unauthorized use or breaches and in conducting any necessary investigations.

   - It is essential for users to adhere to these obligations and responsibilities to ensure the security, integrity, and proper functioning of Stable Corner's services. Failure to comply with these obligations may result in the suspension or termination of user accounts and may expose users to legal consequences.

4. Fees, Charges, and Transactions

1. Description of fees and commissions
   1. Stable Corner Ltd. discloses the applicable fees and commissions associated with the use of its services.
   2. Users can find detailed information regarding specific fees and commissions on Stable Corner's website or through the provided documentation.
   3. The fees may vary depending on the type of service, transaction amount, currency exchange rates, and any additional services requested by users.
2. Responsibility for third-party charges
   1. Users are responsible for any additional charges imposed by third parties, such as banks or payment processors.
   2. These charges may include but are not limited to transaction fees, currency conversion fees, or intermediary fees.
   3. Stable Corner bears no responsibility for any third-party charges incurred during the use of its services.
3. Right to modify fees
   1. Stable Corner reserves the right to modify the fees and charges associated with its services.
   2. Any changes to the fees will be communicated to users through appropriate channels, such as email notifications or updates on Stable Corner's website.
   3. Users are advised to regularly review the fee schedule to stay informed about any modifications and updates.

   Users should carefully review the applicable fees and charges associated with their desired services before proceeding with transactions. Being aware of these fees and charges will help users make informed decisions and manage their financial transactions effectively.

5. Privacy and Data Protection

1. Collection and use of personal data
   1. Stable Corner Ltd. collects and processes personal data from users in accordance with applicable data protection laws.
   2. The personal data collected may include but is not limited to users' names, contact information, identification documents, transaction history, and account details.
   3. Stable Corner collects this data for the purpose of providing and improving its services, ensuring compliance with legal obligations, and enhancing user experience.
2. Data security measures
   1. Stable Corner takes appropriate technical and organizational measures to protect users' personal data from unauthorized access, loss, or disclosure.
   2. These security measures include encryption, access controls, regular system updates, and ongoing monitoring of data processing activities.
   3. Stable Corner strives to ensure that user data is securely stored and processed in compliance with recognized industry standards.
3. Sharing of personal data
   1. Stable Corner may share users' personal data with trusted third parties, such as financial institutions or service providers, as necessary to provide the requested services.
   2. Information may be shared to facilitate transactions, comply with legal obligations, or enhance the overall user experience.
   3. Stable Corner ensures that any third parties with access to user data are bound by strict confidentiality obligations and adhere to applicable data protection laws.
4. User rights and choices
   1. Users have the right to access, rectify, and delete their personal data held by Stable Corner, subject to legal and contractual obligations.
   2. Users may exercise their rights by contacting Stable Corner's designated data protection contact or through the available user account settings.
   3. Users may choose to opt out of certain data processing activities, such as receiving promotional communications, by adjusting their preferences accordingly.
5. Data retention
   1. Stable Corner retains users' personal data for as long as necessary to fulfill the purposes outlined in the Privacy Policy or as required by applicable laws.
   2. Personal data that is no longer needed will be securely deleted or anonymized to the extent possible unless further retention is necessary for legal or legitimate business purposes. Stable Corner is committed to protecting users' privacy and complying with applicable data protection laws. Users are encouraged to review Stable Corner's Privacy Policy for a comprehensive understanding of how their personal data is collected, used, and protected.

6. Limitation of Liability

1. Stable Corner's services are provided "as is."
   1. Users acknowledge that Stable Corner's services are provided on an "as is" and "as available" basis, without any express or implied warranties.
   2. Stable Corner does not guarantee the accuracy, completeness, reliability, or timeliness of the services or any information provided.
2. Limitation of liability
   1. Stable Corner Ltd. shall not be liable for any direct, indirect, incidental, consequential, or exemplary damages arising out of or relating to the use of its services.
   2. This includes but is not limited to damages for loss of profits, data, business opportunities, or interruption of services.
   3. Users assume all risks and responsibilities associated with the use of Stable Corner's services.
3. Indemnification
   1. Users agree to indemnify and hold Stable Corner, its directors, employees, and affiliates harmless from any claims, damages, liabilities, or expenses arising out of or in connection with their use of the services.
   2. This includes claims arising from user breaches of the Terms of Service, infringement of intellectual property rights, or violation of applicable laws.
4. Force majeure
5. Financial risks and responsibilities
   1. Stable Corner shall not be held liable for any delays, interruptions, or failures in service caused by circumstances beyond its reasonable control.
   2. Such circumstances may include natural disasters, acts of war, terrorism, government restrictions, or technological failures.

7. Intellectual Property Rights

1. Ownership of intellectual property
   1. All intellectual property rights, including but not limited to copyrights, trademarks, patents, and trade secrets, related to Stable Corner's services and materials, are the property of Stable Corner Ltd.
   2. Users acknowledge and agree that they do not acquire any ownership rights or licenses to the intellectual property of Stable Corner through their use of the services.
2. Use of intellectual property
   1. Users are granted a limited, non-exclusive, and non-transferable right to access and use Stable Corner's services and materials for personal and non-commercial purposes.
   2. Users must not, without prior written consent from Stable Corner, copy, modify, distribute, transmit, display, perform, reproduce, or create derivative works based on Stable Corner's intellectual property.
3. User-generated content
   1. Users retain ownership of any intellectual property rights in the content they generate or submit to Stable Corner's services.
   2. However, by submitting content, users grant Stable Corner a worldwide, royalty-free, non-exclusive, perpetual, and irrevocable license to use, reproduce, modify, adapt, publish, translate, distribute, and display the content for the purpose of providing the services.
4. Reporting intellectual property infringement
   1. Stable Corner respects the intellectual property rights of others and expects users to do the same.
   2. If users believe that their intellectual property rights have been infringed upon within Stable Corner's services, they should promptly report the infringement to Stable Corner for appropriate actions to be taken.

8. Governing Law and Dispute Resolution

1. These Terms shall be governed by and construed in accordance with the laws of [Jurisdiction].
2. Any disputes arising out of or in connection with these Terms shall be resolved through arbitration in accordance with the rules of [Arbitration Organization]. The arbitration shall be conducted in [City], [Jurisdiction], and the language of arbitration shall be English.