The disclosures required will be dictated based on where the end customers will be based:
The disclosures required will be dictated based on (UK) – Payment services for Bespoke Finance Solutions Ltd are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199)where the end customers will be based:

Safeguarding Funds

Please create a safeguarding page which includes the following “When funds are posted to your account, e-money is issued in exchange for these funds, by an Electronic Money Institution who we work with, called Currencycloud. In line with regulatory requirements, Currencycloud safeguards your funds. This means that the money behind the balance you see in your account is held at a reputable bank, and most importantly, is protected for you in the event of Currencycloud’s, or our, insolvency. Currencycloud stops safeguarding your funds when the money has been paid out of your account to your beneficiary’s account.”

Complaints Page

We will also need you to create a separate page with a link in the footer of the webpage saying “Complaints”. The link should take the end-client to a page discussing complaints and the complaints handling section of the website has to include: A summary of the complaints handling process. It does not have to be the full complaints handling process, but has to include the key information to clients such as how to submit a complaint, timelines and information that should be outlined in a complaint; and Information about how to contact the FOS (UK). That must set out that customers have the option to approach the FOS in cases where they are not satisfied with the resolution provided by the Client. Clients under the Inhouse KYC model must display the following information on their websites, in a way that is easily accessible throughout the website. This would include a link titled “Complaints” to a page featuring in the primary website navigation bar or menu, or providing a link amongst other useful links at the footer of each webpage, alongside e.g. Terms, About us, Contact us. The text should state: “We are your first port of call for any queries or concerns, including complaints. We will handle these complaints in line with our complaints process. [Provide key complaints information such as Client’s own contact email address and phone number, plus response times]. We work with Currencycloud, who ultimately provides you with regulated Payments and E-money services. Currencycloud has certain obligations as a regulated financial services institution, including around complaints. We keep them informed of the complaints we receive from you regarding the regulated Payments and E-money services they ultimately provide to you. They oversee how we handle complaints to ensure we do this to the standard required under the regulations. However, if for any reason your complaint regarding your Payments and E-money services has not been acknowledged or dealt with by us, or if you have concerns about the way it has been handled, Currencycloud’s complaints information can be found here. https://www.currencycloud.com/legal/complaints-procedure/”