Lobage Xawala provides money transfer services to a range of supported destinations, including Somalia, Somaliland, Kenya, Egypt, Uganda, Yemen, Djibouti, Ethiopia, and others.

Address: 191 Church Road, NW10 9EJ, United Kingdom.

To use our services, you must:

• Be at least 18 years old.
• Provide accurate, current, and complete information about yourself and the recipient.
• Have the legal right to send the funds being transferred.
• Not be subject to any sanctions, restrictions, or prohibitions under applicable law.

Before processing transfers, we may be required to verify your identity in line with anti-money laundering (AML) and know-your-customer (KYC) regulations. You agree to provide valid identification documents and any additional information we reasonably request. We may decline or delay any transfer where verification cannot be completed.

When you request a transfer, you agree that:

• You are responsible for the accuracy of all sender and recipient details.
• You will review and confirm transfer details before authorising the transfer.
• The funds being transferred are from a legitimate source.
• The transfer is not made for any unlawful purpose, including fraud, money laundering, or terrorism financing.
• We may require additional information about the purpose of the transfer or the source of funds.

Applicable fees and exchange rates will be communicated to you before you confirm a transfer. Exchange rates may fluctuate and are determined at the time of processing. By confirming a transfer, you accept the fees and rates that apply to that transaction.

We aim to process transfers as quickly as possible. However, delivery times may be affected by factors outside our control, including recipient location, banking hours, local regulations, public holidays, system availability, and additional checks required for compliance. We do not guarantee a specific delivery time.

You may request a cancellation of a transfer before it has been collected or paid out to the recipient. Once a transfer has been delivered, it cannot be cancelled or refunded. Refunds, where applicable, may exclude transaction fees and any costs incurred. We will use reasonable efforts to assist with cancellation or refund requests but cannot guarantee them in all circumstances.

You are responsible for ensuring all information provided is accurate. Lobage Xawala is not liable for losses, delays, or failed transfers caused by incorrect or incomplete recipient details, including names, account numbers, or contact information. Where an error occurs, please contact us immediately so we can help where possible.

You agree not to use our services for:

• Money laundering, terrorism financing, fraud, or any other criminal activity.
• Transfers to sanctioned individuals, entities, or jurisdictions.
• Activities that violate any applicable law or regulation.
• Sending funds to recipients you do not know personally and cannot verify.

We reserve the right to refuse, suspend, delay, or reverse any transfer that we believe may violate these Terms or applicable law.

To the fullest extent permitted by law, Lobage Xawala will not be liable for any indirect, incidental, consequential, or special losses arising from the use of our services, including loss of profit, business, or data. Our total liability in connection with any transfer shall not exceed the amount of the relevant transfer plus any fees paid for it.

We are not responsible for delays or failures caused by events outside our reasonable control, including natural disasters, internet outages, banking system failures, political events, or actions of third-party providers.

You agree to:

• Keep your personal information and account details secure.
• Notify us immediately if you suspect fraud or unauthorised access.
• Use our services only for lawful purposes.

You may use our website for lawful purposes only. You agree not to misuse the website, interfere with its operation, attempt to access it without authorisation, or copy or republish its content without permission. All content on the website is the property of Lobage Xawala or its licensors.

The way we handle your personal information is described in our Privacy Policy, which forms part of these Terms.

We aim to provide a high standard of service. If you are unhappy with any part of our service, please contact us so we can investigate and resolve your concern. We will respond to complaints fairly and promptly.

We may update these Terms from time to time. The most recent version will be available on our website with the updated date shown at the top. Continued use of our services after any change means you accept the updated Terms.

These Terms are governed by the laws of England and Wales. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

For any questions about these Terms or our services, please contact:

Lobage Xawala
191 Church Road, NW10 9EJ
United Kingdom