Last Updated: 11-25-2025

Welcome to M’Cube Global Limited (“M’Cube Global”, “we”, “our”, or “us”).
These Terms of Service (“Terms”) govern your access to and use of our website, mobile application, and international money transfer services (“Services”).

By using our Services, you agree to these Terms.
If you do not agree, please do not use M’Cube Global.

1. About M’Cube Global

M’Cube Global Limited is a UK-registered company:
Company Number: 16351740

We are authorised and regulated by the Financial Conduct Authority (FCA) under the Payment Services Regulations.
Firm Reference Number: 1043993

M’Cube Global provides users with secure digital tools to send and receive money internationally through various payout methods including bank transfers, mobile money, and cash pick-up (where available).

2. Eligibility

To use M’Cube Global, you must:

• Be at least 18 years old

• Have legal capacity to enter into agreements

• Provide accurate and verifiable information

• Use the service for lawful purposes only

• Have a valid payment method (bank account, card, etc.)

We may refuse access to our Services if you fail to meet eligibility requirements.

3. Account Registration

You must create an account to use our Services.
By registering, you agree to:

• Provide accurate personal information

• Keep your login details secure

• Notify us immediately of unauthorised access

• Not create multiple, fake, or misleading accounts

We may suspend or close accounts that violate these requirements.

4. KYC Verification & AML Compliance

To comply with FCA regulations, we must verify your identity.
You may be required to submit:

• Government-issued ID

• Proof of address

• A selfie or biometric verification

• Additional documents based on risk assessment

We may delay or refuse any transaction that fails KYC or triggers AML concerns.

5. Using Our Money Transfer Service

When you send money using M’Cube Global, you authorise us to:

• Charge your payment method

• Convert currency (if required)

• Send funds to your chosen recipient through available payout channels

A transaction begins once:

• You confirm details

• You pay the required amount

• We receive funds successfully

You are responsible for ensuring the accuracy of recipient information.

6. Fees & Exchange Rates

Fees and FX rates may vary based on:

• Transfer amount

• Destination country

• Payout method

• Funding method (card, bank transfer, etc.)

We display all fees and exchange rates transparently before you confirm a transaction.

Once confirmed, the rate and fees are final and cannot be changed.

7. Transfer Limits

We may apply limits on:

• Daily/Monthly sending amounts

• Account funding methods

• Number of transfers

• Recipients per user

Limits depend on your verification level, transaction history, and regulatory requirements.

8. Processing Times

Transfer delivery times depend on:

• Destination country

• Local banking hours/holidays

• Recipient bank or mobile network

• Compliance checks

• Funding method

We strive to process transactions instantly, but delays may occur due to external factors.

9. Prohibited Uses

You may NOT use M’Cube Global for:

• Fraud, scams, or deception

• Money laundering or terrorist financing

• Gambling or illegal transactions

• Cryptocurrency exchange or trading

• Buying/selling stolen or prohibited goods

• Acting on behalf of third parties without permission

We will report suspicious activity to relevant authorities.

10. App & Platform Usage

By using the M’Cube Global app or website, you agree not to:

• Copy, reverse-engineer, or modify the platform

• Attempt unauthorised access

• Use bots, scripts, or automation tools

• Interfere with system performance

We retain full ownership of all software, trademarks, and intellectual property.

11. Cancellations & Refunds

You may request cancellation before the transfer is paid out to your recipient.
A cancellation may not be possible if:

• The transfer is already delivered

• The recipient collected the funds

• A cash pickup partner has released the payment

• A mobile money wallet has been credited

Refunds (where applicable) are returned only to the original funding method.

12. Account Suspension & Termination

We may suspend or close your account if:

• You violate these Terms

• Your activity appears suspicious

• You fail verification checks

• Required regulatory documentation is not provided

You may close your account anytime by contacting support.

13. Limitation of Liability

M’Cube Global is not responsible for:

• Delays caused by banks, networks, or third parties

• Incorrect recipient details provided by you

• Losses resulting from illegal or unauthorised use of your account

• System interruptions due to maintenance or security checks

Our liability is limited to the amount of the transaction in question.

14. Privacy & Data Protection

We follow UK GDPR and protect your data under strict security protocols.
See our Privacy Policy for full details on how we collect and use personal information.

15. Dispute Resolution

If you have concerns or complaints:

1. Contact our support team at info@mcubeholdings.com

2. If unresolved, you may escalate through our FCA-compliant complaints process

3. You may also contact the UK Financial Ombudsman Service (FOS)

16. Governing Law

These Terms are governed by the laws of England and Wales.
Any disputes will be handled under UK jurisdiction.

17. Changes to These Terms

We may update these Terms periodically.
By continuing to use the Service, you agree to the updated version.

18. Contact Us

For assistance or questions about these Terms:

M’Cube Global Limited
Regus House, Victory Way
Crossways Business Park
Dartford, Kent DA2 6QD, United Kingdom
Email: info@mcubeholdings.com
Phone: +44 7988 142473