These Terms and Conditions set out the terms and conditions, which apply to money Transmission services with Saaf Remit, with registration number 08759411, regulated by Financial Conduct Authority under the Payment Services Regulations 2017 and supervised by His Majesty’s Revenue and Customs (HMRC) as a Money Service Business under license number XBML00000117489.
The Firm's registered address is:
6 Burlington Parade, Cricklewood Broadway, London, England, NW2 6QG
Email: info@saafremit.co.uk
Telephone: 0208 616 4224
Website: https://saafremit.co.uk
This document outlines the Terms and Conditions governing the services provided by Saaf Remit, a UK-registered Money Service Business (MSB), for customers wishing to send money to Afghanistan. By using our services, customers agree to comply with the terms outlined below. We operate in accordance with the regulations set forth by the UK’s Financial Conduct Authority (FCA) and HM Revenue & Customs (HMRC), including anti-money laundering (AML) and counter-terrorist financing (CTF) requirements.
This explains the core service we offer: sending money from the UK to Afghanistan. It clarifies that the service is available to people who walk into our premises- 6 Burlington Parade, Cricklewood Broadway, London, England, NW2 6QG, and pay cash to send money. It also notes that the funds will be available for the recipient to collect in Afghanistan, using our network of agents or pay-out partners. This helps manage customer expectations about how and where the money will be received.
Our services include accepting cash at our business premises for the purpose of remitting funds to recipients in Afghanistan. Customers must present valid government-issued photo identification (such as a passport or UK driver’s license), and we may require proof of address and source of funds for transactions exceeding certain thresholds. All transactions are subject to verification procedures, and we reserve the right to decline any transaction that raises compliance or risk concerns.
This section covers our legal obligations under UK Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) laws. It explains that customers need to show valid identification (like a passport or driver’s licence), and sometimes also proof of address or the source of the funds. These checks are part of the Know Your Customer (KYC) procedures required by the Financial Conduct Authority (FCA). If a customer refuses or fails to provide this information, we can decline the transaction.
Money transfers, especially to countries like Afghanistan, are subject to certain risk-based limits. This section lets the customer know there may be minimum and maximum transaction amounts. We might have internal daily, weekly, or monthly caps based on our AML policy, and we might be required to collect more documentation or delay the transaction if these thresholds are exceeded. This also gives us a basis to stop suspicious or unusually large transfers.
Transparency is key here. We always disclose the full cost of the transaction before proceeding. This includes our service fee and the currency exchange rate being used. Saaf Remit also needs to make it clear if any third-party fees (e.g., fees in Afghanistan) might apply. This helps customers make informed decisions and avoids disputes about how much the recipient will get.
Fees, exchange rates, and delivery methods (e.g., cash pick-up in Afghanistan) will be clearly disclosed at the point of transaction. Customers are encouraged to retain receipts for all transactions.
This explains how customers can pay Saaf Remit — in this case, cash at our business premises. It also covers what happens next: after receiving the cash and verifying everything, we process the transfer. Saaf Remit provides a receipt, which acts as proof of the transaction and usually contains a reference number that the customer or recipient can use for tracking. This builds trust and ensures accountability.
Customers often want to know how long the transfer will take. This section sets expectations by providing a typical timeframe, such as 1–2 business days, while explaining that delays can happen. Depending on the availability of the delivery network in Afghanistan. We cannot guarantee exact delivery times due to factors beyond our control, such as local regulations, operational limitations, or political instability.
The customer has a right to cancel the transaction, but only before the recipient has collected the money. After pay-out, it's too late. Saaf Remit also explains whether service fees are refundable or not (most often they aren’t if the transfer is already processed). This protects us from fraudulent refunds and keeps us aligned with the Payment Services Regulations 2017.
In the case of disputes, customers must notify us within 7 days of the transaction date. Refunds are only permitted if the funds have not yet been collected or delivered, and may be subject to administrative fees.
Our customer’s responsibilities that they need to provide correct and complete information — like the recipient's name and location. Saaf Remit disclaim responsibility for any problems caused by their errors (e.g., sending to the wrong person). This section also states that the customer must not use our service for illegal purposes like fraud, drug trafficking, or terrorism financing. This helps protect our business from regulatory penalties and reputational damage.
Incorrect or fraudulent information may result in delays, non-delivery, or loss of funds, for which Saaf Remit shall not be held liable.
This clause assures customers that their personal information is handled lawfully and securely under the UK GDPR and the Data Protection Act 2018. Saaf Remit explains what kind of data we collect, why (e.g., for legal compliance), how it's stored, and that it's not used for marketing without consent.
By submitting a transaction, the customer consents to the collection and processing of personal data in accordance with UK data protection laws (GDPR). All personal data will be handled confidentially and may be shared with regulatory or law enforcement authorities if legally required.
This limits our business's legal responsibility if something goes wrong that is outside our control, such as issues with your Afghan pay-out partner, network failures, or even government restrictions. Saaf Remit also caps our maximum liability to the amount the customer paid for the transaction. This is standard in financial services to protect businesses from lawsuits and excessive claims.
Use of our service for illegal purposes—including fraud, money laundering, or terrorism financing—is strictly prohibited and will be reported to the appropriate authorities. We reserve the right to suspend or terminate services at our discretion for any suspected misuse or breach of these terms.
This section outlines how customers can file a complaint and how Saaf Remit will handle it. Saaf Remit is legally required to have a documented complaints procedure and respond within set timelines. Saaf Remit also lets customers know they can escalate unresolved complaints to the Financial Ombudsman Service, which is an independent UK body that resolves disputes between financial firms and customers.
These Terms and Conditions and our agreement under these Terms and Conditions and all matters arising from or connected with these Terms and Conditions and our agreement are governed by English law.
The courts of England have exclusive jurisdiction to settle any dispute arising from or connected with these Terms and Conditions and our agreement under these Terms and Conditions (including a dispute regarding their existence, validity, termination relating to any non-contractual other obligation arising out of or in connection with them) the consequences of their nullity. Saaf Remit may also be eligible for redress for any dispute and matter arising out of or in connection with these Terms and Conditions through the dispute resolution mechanism provided by the Financial Ombudsman Service (please see below for further details), Financial Services (Distance Marketing) Regulations 2004. Required as pre-contract information under PSR Schedule 4, 7(a).
We will not be held liable for any delay or failure to perform our obligations under these Terms and Conditions if such delay or failure results from events beyond our reasonable control. These events may include, but are not limited to, natural disasters (such as floods, earthquakes, or pandemics), war, civil unrest, terrorism, government actions or restrictions, embargoes, strikes or labour disputes, failures of telecommunication or banking systems, power outages, or technical failures.
If a force majeure event occurs, we will take reasonable steps to minimise the impact and to resume normal operations as soon as reasonably possible. However, we shall not be liable for any losses or damages caused by such events, and timeframes for completing transactions may be extended for the duration of the event.
Finally, Saaf Remit clarifies that the terms may change in the future — for example, if laws change or if our services expand. Saaf Remit agree to make the changes public (e.g., post them at our location or website), and continuing to use our service means the customer agrees to the new terms. This gives us flexibility to update our policies without needing signed agreements every time.