SENDITOO –TERMS & CONDITIONS
SENDITOO –TERMS & CONDITIONS
1. Acceptance of Terms
By accessing or using Senditoo services, you agree to be bound by these Terms & Conditions, the Privacy Policy, Cookie
Policy, and Refund Policy.
2. Nature of Services
Senditoo provides technology-enabled payment facilitation services and operates in partnership with regulated financial
institutions.
Senditoo does not provide banking services and does not hold customer funds unless explicitly stated.
3. Eligibility
You must:
• Be at least 18 years old
• Provide accurate and complete information
• Pass required identity and compliance checks
4. User Obligations
You agree to:
• Provide truthful information
• Use services lawfully
• Not engage in fraud, money laundering, or prohibited activity
5. Account Suspension
Senditoo may suspend or terminate accounts where:
• Regulatory breaches occur
• Fraud or misuse is suspected
• False information is provided
6. Limitation of Liability
Senditoo is not liable for:
• Third-party bank delays
• Network outages beyond its control
• User-provided errors
Liability is limited to the extent permitted by law.
7. Governing Law
These Terms are governed by the laws of England and Wales.
SENDITOO – REFUND, REVERSAL & DISPUTE POLICY
1. Regulatory Context
Senditoo operates within strict financial services and card scheme rules. Transactions are processed in real time and may be
irreversible once completed.
2. Transaction Finality
A transaction is considered final once:
• It is authorised, and
• Funds are successfully delivered to the intended recipient or partner network.
3. Refund-Eligible Scenarios
Refunds may be issued where:
• A transaction fails but funds are debited
• Duplicate transactions occur
• A system or processing error is attributable to Senditoo or its partners
Refunds are made only to the original funding method.
4. Non-Refundable Transactions
Refunds will not be issued where:
• Incorrect recipient details were provided by the user
• Funds have already been received or withdrawn
• The transaction was authorised by the account holder
• Delays are caused by third-party banks or networks
5. Compliance & Investigation Holds
Refunds may be delayed or denied where:
• AML, fraud, or sanctions checks are ongoing
• Regulatory reporting obligations apply
• Law-enforcement instructions exist
6. Processing Time
• Approved refunds: 5–10 business days
• Actual credit timing depends on issuing banks
7. Fees
Transaction fees are non-refundable, except where legally required or where Senditoo is at fault.
8. Chargebacks
Customers must contact Senditoo before initiating a chargeback.
Abusive or fraudulent chargebacks may result in account suspension.
Contact: support@senditoo.com
SENDITOO – PRIVACY POLICY
1. Who We Are
Senditoo (“Senditoo”, “we”, “us”, “our”) provides digital payment facilitation and money service functionality through regulated
financial institutions and payment partners.
Senditoo does not hold customer funds directly and operates as:
• A technology and payment services platform, and/or
• An appointed agent / programme participant of regulated entities (Electronic Money Institutions, Payment Institutions,
banks, or licensed partners).
2. Data Controller & Contact
For the purposes of UK GDPR and EU GDPR, Senditoo acts as a data controller for personal data processed on its platforms.
Contact:
Email: privacy@senditoo.com
Registered Address: 19 Davenport House. PEPPER STREET. Canary Wharf. London. England. E14 9RP
3. Personal Data We Collect
We collect only data that is necessary, proportionate, and legally required, including:
3.1 Identity & Contact Data
• Full legal name
• Date of birth
• Nationality
• Email address
• Telephone number
• Residential address
3.2 Verification & Compliance Data (KYC/AML)
• Government-issued identity documents
• Proof of address
• Selfie / liveness checks
• Sanctions and PEP screening results
• Source-of-funds declarations
3.3 Transaction & Financial Data
• Transaction references and amounts
• Payment method identifiers (tokenised)
• Wallet activity and balances (where applicable)
Important: Senditoo does not store raw card numbers. All card data is processed in PCI-DSS compliant environments by
licensed providers.
3.4 Technical Data
• IP address
• Device and browser data
• Log files and timestamps
4. Lawful Basis for Processing
Senditoo processes personal data under the following lawful bases:
• Contractual necessity (Article 6(1)(b))
• Legal obligation (Article 6(1)(c)) – AML, CTF, sanctions
• Legitimate interests (Article 6(1)(f)) – fraud prevention, platform security
• Consent (Article 6(1)(a)) – marketing communications only
5. How We Use Personal Data
Personal data is processed strictly to:
• Provide and operate Senditoo services
• Conduct identity verification and regulatory checks
• Prevent fraud, money laundering, and abuse
• Comply with Visa, Mastercard, FCA, and partner requirements
• Respond to customer support and dispute queries
6. Data Sharing & Disclosure
We may share data with:
• Regulated financial institutions and programme managers
• Payment processors and acquiring banks
• Identity verification and fraud-prevention vendors
• Regulatory bodies, law enforcement, or courts where legally required
All third parties are bound by data processing agreements consistent with GDPR.
7. International Transfers
Where personal data is transferred outside the UK or EEA, Senditoo ensures:
• Adequacy decisions, or
• Standard Contractual Clauses (SCCs), or
• Equivalent lawful safeguards
8. Data Retention
• KYC and transaction data: minimum 5–7 years (AML regulations)
• Marketing data: until consent is withdrawn
• Technical logs: retained only as operationally necessary
9. Your Rights
You have the right to:
• Access your data
• Rectify inaccuracies
• Request erasure (subject to legal obligations)
• Restrict or object to processing
• Data portability
• Withdraw consent
Requests: privacy@senditoo.com
10. Security Measures
Senditoo applies:
• Encryption at rest and in transit
• Access-control and role-based permissions
• Continuous monitoring and audit logging
• PCI-DSS compliant payment environments
11. Complaints
You may lodge a complaint with:
• UK Information Commissioner’s Office (ICO)
• Your local EU supervisory authority
SENDITOO – COOKIE POLICY
1. What Are Cookies
Cookies are small text files that improve functionality and security.
2. Types of Cookies Used
• Strictly Necessary Cookies – platform security and access
• Functional Cookies – user preferences
• Analytics Cookies – performance monitoring
3. Managing Cookies
You can control cookies via your browser settings. Disabling essential cookies may affect functionality.