Last updated: 1 June 2025 · Effective: 1 July 2025
1. Acceptance of Terms
By accessing or using the Fembills platform, website, mobile application or any associated services (collectively, the "Services"), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing the Services. These terms apply to all users, visitors and other persons who access or use the Services.
2. Eligibility and Account Registration
You must be at least 18 years of age and legally capable of entering into binding contracts in your jurisdiction to use our Services. By registering, you warrant that all information you provide is accurate, complete and current. Fembills reserves the right to refuse service, close accounts or cancel transactions at its sole discretion. You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted under your account.
3. Financial Services and Regulatory Compliance
Fembills Financial Technologies Ltd is authorised and regulated by the Financial Conduct Authority (FCA) of the United Kingdom under Electronic Money Institution licence number 900847. All payment services and electronic money issuance are conducted in accordance with the Payment Services Regulations 2017 and the Electronic Money Regulations 2011. International operations are subject to applicable local regulatory requirements in each jurisdiction where we operate. Your funds held as electronic money are safeguarded in accordance with FCA regulations.
4. Fees and Charges
Current fees for all services are available on our Pricing page and within the platform before any transaction is initiated. We reserve the right to modify fees with 30 days written notice to account holders. Certain transactions may be subject to third-party fees including correspondent bank charges, local settlement network fees or regulatory levies which are outside Fembills's control. All fees will be clearly disclosed prior to your authorisation of any transaction.
5. Prohibited Activities
You may not use Fembills Services for any unlawful purpose or in any way that violates these Terms. Prohibited activities include but are not limited to: money laundering, terrorist financing, sanctions evasion, fraud, market manipulation, processing of proceeds of crime, operating unlicensed money service businesses, or circumventing applicable export controls or economic sanctions administered by OFAC, HM Treasury, EU or UN bodies.
6. Limitation of Liability
To the maximum extent permitted by applicable law, Fembills shall not be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation loss of profits, data, use or goodwill. Our total liability to you for any claim arising out of or relating to these Terms or our Services shall not exceed the fees paid by you to Fembills in the 12 months preceding the claim. Nothing in these Terms limits our liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation.
7. Governing Law
These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these Terms or the Services shall be subject to the exclusive jurisdiction of the courts of England and Wales, unless mandatory consumer protection laws in your country of residence require otherwise. If you are a consumer based in the European Union, you may also benefit from mandatory protections under the laws of your country of residence.
Questions about these terms?
Our legal team is available to answer any questions about these terms and your rights as a Fembills client.
Contact Legal Team