Terms of Use

1. Agreement to Terms

By accessing or using the brook-sparrow website and services, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

2. Use Licence

Permission is granted to temporarily access the materials on brook-sparrow's website for personal, non-commercial transitory viewing only. This is the grant of a licence, not a transfer of title, and under this licence you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose
• Attempt to decompile or reverse engineer any software contained on the website
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or mirror the materials on any other server

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a resident of a country where our services are available
• Have the legal capacity to enter into binding agreements
• Not be prohibited from using financial services under applicable law

4. Account Responsibilities

When you create an account with us, you must provide accurate, complete, and current information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorised use
• Ensuring your contact information remains up to date

5. Service Description

brook-sparrow provides prepaid travel card services that allow you to hold, convert, and spend multiple currencies. While we strive to provide accurate exchange rates and reliable service, we do not guarantee:

• Uninterrupted access to our services
• That exchange rates will remain constant
• The accuracy of third-party merchant systems

6. Fees and Charges

By using our services, you agree to pay all applicable fees as published on our services page. We reserve the right to modify our fee structure with reasonable notice. Current fees include:

• Card issuance fees
• Exchange rate markups where applicable
• ATM withdrawal fees where applicable
• Card replacement fees where applicable

7. Prohibited Activities

You agree not to use our services for:

• Any unlawful purpose or to promote illegal activities
• Fraudulent transactions or money laundering
• Circumventing financial regulations or sanctions
• Any activity that could damage or interfere with our services

8. Intellectual Property

The brook-sparrow name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of brook-sparrow Ltd. You must not use such marks without our prior written permission.

9. Disclaimer

The materials on brook-sparrow's website are provided on an 'as is' basis. brook-sparrow makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property.

10. Limitations

In no event shall brook-sparrow or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on brook-sparrow's website, even if brook-sparrow or a brook-sparrow authorised representative has been notified orally or in writing of the possibility of such damage.

11. Termination

We may terminate or suspend your account and access to our services immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms of Use. Upon termination, your right to use the services will cease immediately.

12. Governing Law

These terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Changes to Terms

We reserve the right to modify these terms at any time. We will provide notice of material changes by posting the new Terms of Use on this page and updating the "Last updated" date. Your continued use of the service after such modifications constitutes your acceptance of the new terms.

14. Contact Information

Questions about the Terms of Use should be sent to us at: