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Complaints Procedure


At KBR Foreign Exchange Ltd we endeavour at all times to deliver a professional, caring and courteous service to all our customers. If you feel that we have not lived up to this promise we would like to hear from you.  Our Complaints Procedures is explained below and a hard copy form is available on request from our Head Office at Riverside Business Centre Fort Road, Tilbury, RM18 7ND, United Kingdom

Making a Complaint
If you become aware aware of an unauthorised or incorrectly executed payment transaction, you must notify us without undue delay and no later than 13 months after the date of the transaction. Complaints made after this time may not qualify for any redress under the Payments Services Regulations 2009.

You can make a complaint via any of the methods listed below

Online
You can fill out or online complaints from located at http://kbrfx.com/contact-us/

Telephone
You can contact us on our phone number(s) listed below

+44 (0)207 989 0222

Write to us
Letters can be addressed to the complaints manager at

KBR Foreign Exchange Ltd
Riverside Business Centre
Fort Road
Tilbury
RM18 7ND
United KingdomWhat will happen when you complain?

  • We will treat your complaint fairly and impartially
  • We will seek to investigate and resolve any complaint as quickly as possible.
  • If we have made a mistake we will apologise and offer redress or remedial action wherever possible.
  • If we reject your complaint we will explain why it has been rejected and what options remain available to you.
  • We will change the way we do things to avoid making the same mistake in the future


If you are dissatisfied with any aspect of our service, please express this to the person with whom you are dealing who will try to help. If you prefer, please ask to speak to a manager who will also try to help as we aim to resolve all difficulties as quickly and efficiently as possible.

For all complaints we will acknowledge your complaint promptly and write to you again with a Final Response to your complaint, in most cases within 10 business days from receipt of your complaint. If we are unable to give a Final Response within this period we will write to you informing why we are not in a position to make a Final Response and indicate when we expect to be able to do so.

Financial Ombudsman Service
If you are still not satisfied with our final response, you may be entitled to refer your complaint to the Financial Ombudsman Service [FOS]. You must do so within 6 months of receiving our final response. You can contact them at:

Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Tel: 0845 080 18000845 080 1800. We will send you a copy of the FOS consumer information leaflet with our final response.

We are not covered by the Financial Services Compensation Scheme.

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Vacancies
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KBRFX Vacancies

Few positions are available as telesales/account executives and One Manager for KBR Foreign Exchange based in Tilbury Riverside Business Centre Essex.

The right candidates will receive a basic plus commission upon meeting targets and will depend on qualifications and experience though none required as training will be given.

Working hours are Mon - Fri 8.30 am - 5.30 pm.

Who we are:

KBR Foreign Exchange Ltd. is one of the leading foreign exchange specialist offering businesses and individuals access to preferential exchange rates and high quality service for their foreign currency requirements. The business is based on building relationships with our customers and suppliers.

 

The Role:

Ideal job opportunity for a school leaver/graduate to embark on a career in sales and a fast growing company. The successful candidates would join the sales team and source new leads by making introductory calls with prospective clients.  A stepping stone to join the FX sale team in booking foreign exchange trades and help the company expand further. It is a very crucial role and an extremely rare opportunity to join an innovative and successful company. 

This is an excellent career and highly rewarding for the successful candidates.

Ideal Candidate will:

Possess an excellent telephone manner

Possess telesales or cold calling experience

Incredibly sales driven and charismatic

Be good in maths and have good business knowledge (ideal but not essential)

Self motivated

Salary package: Depending on experience

Basic plus commission

Temporary to permanent position for the right candidate and depending on performance.

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Deloitte LLP has identified KBR Foreign Exchange Ltd to be amongst 1000 Best Performing Companies
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Deloitte LLP has identified KBR Foreign Exchange Ltd to be amongst 1000 Best Performing Companies

In November 2012 Deloitte LLP has identified KBR Foreign Exchange Ltd to be amongst 1000 best performing businesses during the recession businesses in the UK. Findings of Delloitte LLP are always considered on the highest levels of UK business and government, including the cabinet ministers.

During 2012 Deloitte LLP has identified KBR Foreign Exchange Ltd to be amongst 1000 Best Performing Companies made an outstanding contribution to the prosperity of the UK – accounting for 7.8% of GDP, adding 170,000 jobs across all regions of the UK and growing on average by 55% over the last three years.

In difficult economic times people and businesses typically look to government to facilitate economic renewal through better regulations, tax reform, or infrastructure investment. Whilst these activities are important, the growth and wealth is ultimately created by the businesses.

The Businesses Leading Britain 1,000 (BLB1000) companies are key to the UK’s economic recovery. In 2013 their combined revenues totaled £158 billion, the equivalent of over 9% of GDP. And between 2011 and 2013 they expanded employee headcount through both organic and inorganic activities by over 181,000 close to half of the increase in total UK employment over the same period.

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KBR Foreign Exchange Ltd – Top 100 Essex Businesses 2013 and 2014
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KBR Foreign Exchange Ltd – Top 100 Essex Businesses 2013 and 2014

The Essex Limited report, undertaken by and Grant Thornton financial advisers and Birkett Long law firm has revealed that KBR Foreign Exchange Ltd is among the Top 100 Essex Businesses for two years running based on the results of 2013 and 2014.

The Essex Limited 2014 report gives a unique insight into the development of Essex business year upon year and analyses the performance of various sectors businesses based on the number of employees, turnover and operating profits based on the current and previous year’s companies’ accounts. The results were presented to a large audience of leading Essex business owners at Stock Brook Country Club in Billericay.

The Essex Limited report - Top 100 Essex Businesses 2013

The Essex Limited report - Top 100 Essex Businesses 2014

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KBR Foreign Exchange Ltd - Plimsoll 2015 Outstanding Company Award
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KBR Foreign Exchange Ltd - Plimsoll 2015 Outstanding Company Award

KBR Foreign Exchange Ltd was recognised with an "Outstanding Company" award in 2015 by Plimsoll Publishing Ltd.

On an annual basis Plimsoll Publishing Ltd, as the world's leading provider of market reports and company analysis, awards the accolade of "Outstanding Company" to a very select number of companies in their individual industry sectors. This is an award that is the result of their in depth analysis of the published annual accounts relevant to the company’s specific area of business.

The award indicates the company has improved their overall financial health based on Plimsoll's assessment of their performance and achieved solid sales growth.

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KBR Foreign Exchange Ltd is official partner of the ISPS HANDA Ladies European Masters
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KBR Foreign Exchange Ltd is official partner of the ISPS HANDA Ladies European Masters

The Ladies European Tour (LET) today announced that KBR Foreign Exchange Ltd (KBRFX) has signed a three-year sponsorship deal to be an official partner of the ISPS HANDA Ladies European Masters.

The deal represents KBRFX’s first involvement in women’s sport and the partnership will give the company a range of sponsorship and marketing rights around the Ladies European Tour’s flagship tournament, taking place at the organisation’s global headquarters, Buckinghamshire Golf Club near London, on 2-5 July.

LET Chief Executive Officer, Ivan Khodabakhsh, said: “We are delighted to welcome KBRFX as a new official partner for our home tournament. KBRFX is a company which fits perfectly with our global tour and can provide the best service and exchange rate for our organisation, which operates at least 24 golf tournaments in 18 countries across four continents. This agreement reflects the increasing appeal of women’s professional golf and how businesses want to be associated with winning performances.”

KBRFX Chief Executive Officer, Vik Rampersad, commented: “We are very pleased to be involved in women’s sport through our partnership with the Ladies European Tour. This is a perfect opportunity for KBRFX to support the LET and their members around the world with excellent exchange rates and fast global transfers on over fifty currencies thus making their money go further.”

This year’s ISPS HANDA Ladies European Masters will be an event for the whole family to enjoy. In addition to the world class golf, children will be spoilt for choice with a range of mini golf activities in the kids’ zone, while adults can relax and treat themselves to something special from one of the many stalls in the village. Guests can enjoy fine food and wine, local country produce and crafts from the artisan market.

The Solheim Cup hub in the village will be the perfect place to meet the past and future stars of the European team before they head to Germany to face the USA in September, while a whole host of inspiring entrepreneurs and celebrities will also be on hand to join in the fun.

Get tickets now at http://tickets.sky.com/Golf

Website: www.ladieseuropeanmasters.com

About KBR Foreign Exchange Ltd:

KBRFX is a foreign exchange broker providing excellent exchange rates combined with fast same/next day worldwide transfers in about fifty currencies including British Pound Sterling, Euros, US Dollars and Australian Dollars to name few. Using KBRFX can save businesses and private individuals up to 5% savings compared to the high street banks or up to 10% compared to airport exchange bureaux.

In 2015 KBRFX has made the London Stock Exchange's Second Edition of 1000 Companies to Inspire Britain. 1000 Companies to Inspire Britain is an annual celebration of some of the fastest-growing and most dynamic small and medium-sized enterprises (SMEs) in the UK. http://www.kbrfx.com/general-information/1000-companies-to-inspire-britain-report/

About the Ladies European Tour:

The Ladies European Tour is a company limited by guarantee, not having a share capital, and its objectives are to promote world-wide interest in the game of golf, to maintain high standards in the promotion, development and conduct of ladies' professional golf activities, to provide opportunities in tournament play and golf promotion for lady golf professionals, to co-operate with organisations engaged in golf promotion whose objectives are compatible with those of the Ladies European Tour and to protect and further the mutual interest of the Tour and its Members. The LET headquarters are located at Buckinghamshire Golf Club in Denham, near London, England. Further information: www.ladieseuropeantour.com.

Facebook: www.facebook.com/LadiesEuropeanTour Twitter: @LETgolf 

Media contacts:         

Bethan Cutler

Ladies European Tour

e) bethan.cutler@ladieseuropeantour.com

t) 01895 831 02801895 831 028

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KBR Foreign Exchange Plc. (KBRFX) identified in London Stock Exchange’s ‘1000 Companies to Inspire Britain’
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KBR Foreign Exchange Plc. (KBRFX) identified in London Stock Exchange’s ‘1000 Companies to Inspire Britain’

Press Release

KBR Foreign Exchange Plc. (KBRFX) identified in London Stock Exchange’s ‘1000 Companies to Inspire Britain’

• KBRFX recognised in second edition of London Stock Exchange’s 1000 Companies to Inspire Britain report 2015

• Identifies fastest-growing and most dynamic small and medium sized businesses (SMEs) in UK

• KBRFX is one of the market leaders in the foreign exchange sector offering outstanding service and preferential exchange rates.

 

KBRFX has been identified as one of London Stock Exchange’s 1000 Companies to Inspire Britain. The report is a celebration of the UK’s fastest-growing and most dynamic small and medium sized businesses. To be included in the list, companies needed to show consistent revenue growth over a minimum of three years, significantly outperforming their industry peers. More detail on the methodology can be found in the report online at www.1000companies.com.   

Vikroam Rampersad, Chief Executive Officer said: “This is a milestone in KBRFX’s history of trading. It is a great achievement to be recognised as one of the fastest-growing and most dynamic small and medium businesses in UK by The London Stock Exchange’s 1000 Companies to inspire Britain 2015. I dedicate this success to the management and all staff at KBRFX. It is a team effort and I thank every staff past and present for their contribution. ”

Xavier Rolet, Chief Executive, London Stock Exchange Group said: “This report is a significant part of London Stock Exchange’s broader campaign to support UK high growth companies in their journeys from Start-up to Stardom and to create an entrepreneurship revolution. I’m delighted that a strong alliance between UK Government, financial market participants, investors, entrepreneurs and companies has been created to support these inspiring businesses.”

A full searchable database of all of the companies along with a downloadable pdf of the publication can be found online at www.1000companies.com.

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Cookie Policy

Like most websites this sites uses cookies. Cookies are very small text files that some are stored on your computer when you visit them.

Cookies are small text files stored on your computer by your browser. They're used for many things, such as remembering whether you've visited the site before, so that you remain logged in - or to help us work out how many new website visitors we get each month. They contain information about the use of your computer but don't include personal information about you (they don't store your name, for instance).

About this Cookie policy

This Cookie Policy applies to all of our websites and our mobile applications ("the Website").

By accessing the Website, you agree that this Cookie Policy will apply whenever you access the Website on any device.

Any changes to this policy will be posted here. We reserve the right to vary this Cookie Policy from time to time and such changes shall become effective as soon as they are posted. Your continued use of the Website constitutes your agreement to all such changes.

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The cookies allow us to identify your computer and find out details about your last visit.

You can choose, below, not to allow cookies. If you do, we can't guarantee that your experience with the Website will be as good as if you do allow cookies.

The information collected by cookies does not personally identify you; it includes general information about your computer settings, your connection to the Internet e.g. operating system and platform, IP address, your browsing patterns and timings of browsing on the Website and your location.

Most internet browsers accept cookies automatically, but you can change the settings of your browser to erase cookies or prevent automatic acceptance if you prefer.

These links explain how you can control cookies via your browser - remember that if you turn off cookies in your browser then these settings apply to all websites not just this one:

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Foreign Exchange Market Updates via email

You can now receive our FREE foreign exchange market updates, directly to your e-mail inbox; at a frequency to suit you.

Simply enter your details below, and choose to receive either 'Daily' or 'Weekly' market updates.

''You will receive an e-mail asking you to confirm your subscription to our FREE market update service. Please be sure to check your junk e-mail folder as some mail servers may direct it to this location.''

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Please fill out the form below to download our brochure today and start saving money on your foreign exchange.

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We are delighted to share the feedback we've received from our foreign exchange customers.

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Site Map

Feeling a little lost? Use our site map to find your way.

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KBRFX Partner Programme

Work with an unrivalled team of foreign exchange specialists so that you and your clients can benefit from

  • Preferential exchange rates
  • 0% Commission or hidden charges
  • Personalised & Proactive service

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Personal Trading

  • Foreign Exchange for Overseas Property
  • Emigrating / Returning From Abroad?
  • Making Regular or One-off International Payment?
  • Foreign Exchange Hedging strategies
  • Overseas Mortgages and Cash Currency

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Corporate Trading

  • FX Spot & Forward contracts
  • Improve cash and risk management
  • Reduce payment costs and errors
  • Same & next day international payments
  • Over 50 Foreign Currencies

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Currency Terms and Definitions Glossary
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Currency Terms and Definitions Glossary

In this section you will find a useful reference guide for the popular terms & definitions. Please use the alphabetical index to find the entry you are looking for.

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Our Business Partners

Our Location

Basepoint Tilbury Centre. The Basepoint business centre is easily accessible by road with the A1089 linking Tilbury to the A13, with speedy access to J30 of the M25 and by foot ferry from Gravesend.

 

Our Banks

RBS Bank Plc. www.rbs.co.uk and Natwest Bank PLC www.natwest.com. All clients’ funds are kept in our “Segregated Client Accounts” for security, transparency and complete peace of mind.

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As a partner you can benefit from our currency exchange converter widget on your website free of charge. Simply copy and place the HTML code below where you wish it to appear on your page.

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Business Partners

KBR Foreign Exchange Ltd (KBRFX) has signed a three-year sponsorship deal to be an official partner of the ISPS HANDA Ladies European Masters. The deal represents KBRFX’s first involvement in women’s sport Read More...

KBRFX encourages all IFAs, lawyers, real estate and accountants to become our partners so that both you and your clients can benefit from our excellent service and preferential foreign exchange rates. For additional information either call us on 0207 989 02220207 989 0222 or simply fill in your details below and a member of our Agent Team will be in contact.

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Foreign Exchange Daily Market Update Archive
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Foreign Exchange Daily Market Update Archive

Looking for historical exchange rates?

Economic data and world news that affects the currency exchange market?

Our foreign exchange daily market update archive provides all the historical information you will need.

Written by our expert foreign exchange market team, it covers all the major currencies; the Pound, the Euro, the US Dollar, as well as the Canadian Dollar, the Australian Dollar, the Japanese Yen and many more.

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KBRFX Personal Application Form

Please use the form on this page to complete an online application for Personal Foreign Exchange. If you need any help during the application please do not hesitate to contact us.

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FX Solutions for Private Clients to Secure the Best Currency Rates for all Payments Around the World at Any Time

Private individuals can always take advantage of the exceptional foreign exchange rates that KBRFX offers to corporate clients. Whether buying or selling a property abroad, making regular mortgage payments, property maintenance transfers, emigrating, or purchasing an asset from overseas, KBRFX offers the same very best currency exchange rates and high-level foreign exchange services to our private clients, understanding how essential it is to get the most from your hard-earned money.

Our experienced team are fully aware of how daunting it can be moving funds across the world, especially if you are new to the world of foreign exchange and overseas payments. We will ensure that you receive the the best advice from our experts and have access to our full range of cost and time-effective professional foreign exchange services, and that the process is swift, secure and simple. To secure our best foreign exchange rates for all you future payments abroad all you need to to do now is to apply online now or call us on 0800 8778 4777.

 

  KBRFX has been identified as one of London Stock Exchange’s 1000 Companies to Inspire Britain. The report is a celebration of the UK’s fastest-growing and most dynamic small and medium sized businesses. To be included in the list, companies needed to show consistent revenue growth over a minimum of three years, significantly outperforming their industry peers. Read More

KBR Foreign Exchange Ltd was recognised with an "Outstanding Company" award in 2015 by Plimsoll Publishing Ltd. On an annual basis Plimsoll Publishing Ltd, as the world's leading provider of market reports and company analysis, awards the accolade of "Outstanding Company" to a very select number Read More..

KBR Foreign Exchange Ltd – Top 100 Essex Businesses 2013 and 2014. The Essex Limited report, undertaken by and Grant Thornton financial advisers and Birkett Long law firm has revealed that KBR Foreign Exchange Ltd is among the Top 100 Essex Businesses for two years running based on the results of 2013 and 2014. Read More

In November 2012 Deloitte LLP has identified KBR Foreign Exchange Ltd to be amongst 1000 best performing businesses during the recession businesses in the UK. Findings of Delloitte LLP are always considered on the highest levels of UK business and government, including the cabinet ministers. Read More

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KBRFX - Foreign Exchange - Currency Exchange
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Contact Us

Postal Address

KBR Foreign Exchange Limited
Riverside Business Centre
Fort Road
Tilbury
RM18 7ND
United Kingdom

Telephone Numbers

Overseas: +44 (0) 207 989 0222+44 (0) 207 989 0222 
Fax: +44 (0) 207 989 0333

Business: 0800 8778 466 FREE
Personal: 0800 8778 477 FREE
Partners: 0800 9555 002 FREE

Business Hours 8:30 - 17:30 Monday to Friday, excluding Bank Holidays

 

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KRBFX FAQ

Who is KBR Foreign Exchange Limited?

KBR Foreign Exchange Limited is one of the market leaders in the foreign exchange sector, our preferential rates, personalised service and pro-active approach to your currency exchange requirements sets us apart from many of our competitors.

When do I need KBR Foreign Exchange Limited?

KBR Foreign Exchange Liited endeavours to help all businesses and private individuals who need currency to procure the best exchange rates.

Getting the best exchange rate on your currency purchase when importing goods is one of the most essential parts of business, after all, the cost of your goods is reflected in the retail price, and your profit margins. Whether you are buying properties abroad, migrating or making foreign currency payments then you need KBR Foreign Exchange Limited

Do I need to have currency ( Dollar, Euro or other currencies) accounts?

Contrary to popular belief, you do not need to hold currency accounts to trade with us?

How much does it cost to open an account?

There is no registration or monthly fees whatsoever with no obligation to trade.

How proactive is our service?

We assign each client a dedicated Account Executive, to maintain a single point of contact, for any of your needs. Often in modern day business, the personal touch has been lost; with KBR you will always speak to a real person, who will be able to help and explain all the procedures in jargon free, plain English.

How efficient is KBR Foreign Exchange Limited when sending my money?

Our payment systems have been proven over time to meet our stringent targets for reconciliation and delivery, we have a dedicated back office team, who check and process each payment individually, ensuring all the information is correct to make our payments both swift and successful, each and every time.

Our dealing team have a vast experience within the financial markets, particularly foreign exchange, and are more than happy to share their wealth of experience, and have their finger on the pulse of market news, ensuring you have information when you need it, enabling you to buy your currency at the best rate.

Some providers can fall short on their service, and pro-activity, this is where we come in. We deliver information when and where it is needed, and cater to the requirements of each individual client. Everybody is different and has different needs, and we appreciate that, providing in effect, a bespoke service.

Trading with KBR is a simple process; simply contact your Account Executive with your requirement, who will refer you to a member of the dealing team to arrange a trade.

How does it work?

Once your account is opened you, a dealer will contact you as part of our proactive service.

Agree the currency rate, amount and date you want to buy your currency verbally
You will be sent a “contract note” as confirmation of the trade which contains the details of the trade such as the rate, the currency you have purchased, and the funds needed to be sent to KBR Foreign exchange Limited to complete the trade.

The contract note also contains space to provide us with the onward payment details where you would like us to send funds, all that is then needed to complete the trade is to return this to KBR Foreign Exchange Limited and arrange for transfer of funds.

There are many ways to send funds to KBR, most clients utilise their online banking facility to send funds using CHAPS (same day), BACS (3 day), or FPS (instant transfer ie Fast Payment Service, please speak to your bank to see if they offer this facility).

How secure are my funds?

For added security, all funds received by KBR Foreign Exchange Limited are into dedicated accounts with our principal bankers, Barclays Bank Plc, this ensures your funds cannot be combined or drawn upon for any other purpose.

Will I get a confirmation of payment made?

We provide you with confirmation of all our payments, which are made same day, or next day depending on the currency you require, to ensure you are aware of the status of your payments at every step.

How easy is it to set up an account?

Setting up an account with KBR is easy, simply complete the relevant Application form (Corporate or Personal), and return it to us with a clear copy of photographic I.D for all authorised traders, and a proof of your business address (residential for personal clients).

An account with KBR has no minimum trade requirements, and is free to use as frequently as you need, be it for a one-off payment or regular transfers.

If you have any questions, or feel there is something we have missed, please ask us, we are only a phone call or e-mail away from helping you with your requirements, whatever they may be.

Please email us @ info@kbrfx.com or call us free on the number provided on our website

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Who is KBR Foreign Exchange Limited?
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About KBR Foreign Exchange Limited

KBR Foreign Exchange Limited (KBRFX) is one of the market leaders in the foreign exchange sector. Combining preferential rates of exchange, with a personalised service and a highly pro-active approach; KBRFX is able to provide a secure, cost-effective alternative to high-street banks when the need to exchange/send currency arises; for both businesses and private individuals.

Actively trading since early 2007, KBRFX has continued to post impressive year-on-year growth, a testament to the personal, cost-effective service the company provides. Looking after a diverse range of businesses; from sole-traders up to multi-national corporations, as well as private individuals, KBRFX understands that while the requirements of each and every client are different, the need to adhere to the company's core values of accessibility, confidentiality, credibility, efficiency and integrity are paramount.

KBR Foreign Exchange Limited is an FCA authorised payment institution (Firm reference number: 504575), and is regulated by the Financial Conduct Authority (FCA) under the Payment Service Regulations 2009.

KBR Foreign Exchange Limited is also registered with Her Majesty's Revenue and Customs as a Money Services Business (MLR number: 12257872). HMRC are the government body who set the regulations that control the firm's anti-money laundering procedures.

In June 2015 KBR Foreign Exchange Ltd (KBRFX) has signed a three-year sponsorship deal to be an official partner of the ISPS HANDA Ladies European Masters. The deal represents KBRFX’s first involvement in women’s sport Read More...

KBRFX has been identified as one of London Stock Exchange’s 1000 Companies to Inspire Britain. The report is a celebration of the UK’s fastest-growing and most dynamic small and medium sized businesses. To be included in the list, companies needed to show consistent revenue growth over a minimum of three years, significantly outperforming their industry peers. Read More...

KBR Foreign Exchange Ltd was recognised with an "Outstanding Company" award in 2015 by Plimsoll Publishing Ltd. On an annual basis Plimsoll Publishing Ltd, as the world's leading provider of market reports and company analysis, awards the accolade of "Outstanding Company" to a very select number Read More...

KBR Foreign Exchange Ltd – Top 100 Essex Businesses 2013 and 2014. The Essex Limited report, undertaken by and Grant Thornton financial advisers and Birkett Long law firm has revealed that KBR Foreign Exchange Ltd is among the Top 100 Essex Businesses for two years running based on the results of 2013 and 2014. Read More

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KBRFX Terms and Conditions
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KBR FOREIGN EXCHANGE PLC OPERATIVE PROVISIONS:

 

1 The Service
1.1 KBRForeign Exchange Limited (KBRFX) agrees to supply, pursuant to and on the terms of individual contracts, facilities for the client to sell and buy currency for non speculative purposes only on the basis that the client agrees and warrants as follows : (each agreement, undertaking and warranty is deemed repeated on each day that this Agreement is in effect)
1.1.1 All orders are placed in pursuance of the client’s usual business or trade;
1.1.2 The client’s orders will be for non-speculative purposes only and not for Investment Business and not for currency speculation;
1.1.3 All information supplied by the client to KBRFX at any time is accurate, true and not misleading by omission;
1.1.4 The client is acting as principal and not on behalf of any third party whose identity has not been disclosed to KBRFX at the time of the service or Order.
1.1.5 The client is duly empowered and has all required authorisations and consents to enter into this Agreement and contracts under this Agreement;
1.1.6 That the client will take physical delivery of the purchased currency upon receipt of the full payment amount of the sold currency as directed by KBRFX on the occasion of each contract.
1.2 KBRFX has the absolute discretion to accept orders from an Authorised Person to buy and sell currency where the Authorised Person, on behalf of the client, agrees to take physical delivery of the purchased currency on the value date. Contracts may be made in writing or verbally, by post or electronic transmission and for the avoidance of doubt, will be made once terms are agreed and whether or not a contract note has been issued. KBRFX will issue a contract note by facsimile, post, or electronic mail to the client which shall be deemed to be conclusive evidence of the contract.
1.3 Once a contract has been entered into, irrespective of whether or not a contract note has been issued, such contract cannot be altered, cancelled or rescinded without the written consent of a director of KBRFX.
1.4 When entering into any contract or making an order the client relies solely on its own judgement. If KBRFX provides the client with information concerning any matters including (without limit) the foreign exchange markets, it does so on a voluntary basis and does not accept responsibility for the completeness or accuracy of such information or assume any duty of care in relation to it. KBRFX does not offer advice under this Agreement on any matters including (without limit) the merits or otherwise of any currency transactions, on taxation, or markets.
1.5 KBRFX may at its absolute discretion refuse any order without giving any reason and without liability for any loss or damage incurred by the client or any other third party.
1.6 Subject to clause 1.3, KBRFX will not transfer to the client funds representing the benefit of any fluctuation in currency arising after a contract has been entered
1.7 KBRFX does not offer or supply any services which would amount to Investment Business.
1.8 The Client acknowledges that KBRFX record any conversation with any Authorised Person with or without an automatic warning tone in relation to any actual or proposed transaction. KBRFX reserves the right to produce and store a transcript of the recording and use either the transcript or the recording of the telephone conversation for the purposes of verifying the details of an Order or to resolve any disputes between the Client and KBRFX in respect of the Services.
1.9 The client will from time to time supply any information regarding itself and its business and financial affairs, status and corporate identity which KBRFX may require including, without limitation, any information required for compliance with legislation governing, money laundering or other matters.


2 Payment and Delivery
2.1 In the event of a spot transaction, the client shall make full payment of the amount payable by it under the contract at the time required by the contract irrespective of whether or not specified by KBRFX on the contract note. Such payment is to be made into a nominated bank account specified by KBRFX.
2. 2 In the event of a forward trade, the client shall on immediate entry into the contract, pay into an account specified by KBRFX an initial amount as specified by KBRFX in part payment of the full amount of the sold currency and will pay into such account or any other account specified by KBRFX the outstanding balance no later than one working day before the value date of the particular Forward Trade. KBRFX reserves the right to make a Margin Call to re-establish the Margin to the original percentage level agreed for the particular Trade if the Margin subsequently falls below that threshold. KBRFX reserves the right to make a Margin Call in excess of the original percentage level agreed for any particular Trade. In the event of a Same Day Trade the client shall pay the sale currency into a nominated Account specified by KBRFX by no later than the relevant time stipulated by KBRFX.
2.3 All payments under this Agreement shall be made by the client, free from and without set-off, withholding, counter claim or deduction whatsoever. KBRFX shall make all payments due to the client under this Agreement in full unless required by law to make deductions including, without limitation, deductions or withholdings in respect of any taxation liabilities.
2.4 In the event of any adverse currency fluctuation between the date of the contract and the value date, KBRFX are entitled to require the client to provide additional funds (not exceeding the full amount of the sold currency). Such funds shall be paid by the client to an account specified by KBRFX no later than one business day after KBRFX’s request for such additional funds.
2.5 The client undertakes that all funds to be paid by the client in satisfaction of its obligations hereunder will at the time of payment be beneficially owned by the client and will not be subject to any charge, lien to KBRFX or other encumbrance and the client will not create any charge, lien or other encumbrance over any funds so paid.
2.6 Unless otherwise stated in these terms or expressly agreed between the client and KBRFX, all monies paid by the client to KBRFX will on such payment vest in and belong to KBRFX absolutely free of any lien or other interest in favour of the client or any other party.
2.7 All funds provided by the client under this Agreement (whether as security or otherwise) can be used by KBRFX in the performance of its own obligations to the client.
2.8 If so expressly agreed in the contract (but not otherwise), KBRFX will place all sums received from the client into a bank account held by KBRFX as agent for its clients (the “Transaction Account”). KBRFX confirms that all money standing to the credit of the Transaction account is held by KBRFX as agent and is not entitled to combine the account with any other account of KBRFX or to exercise any right of set-off or counter claim against money in that account. Interest earned on the money in such account shall belong to KBRFX. KBRFX is entitled to apply the client’s monies from the Transaction account in accordance with the terms and the contract.


3 Charges
3.1 KBRFX’s agreed charges for sale or purchase of currency will be agreed in the contract and recorded in the contract Note. Unless otherwise stated, any amount agreed in a contract is exclusive of administrative charges, office disbursements and value added tax (if any), or other tax.
3.2 Any payment to be made by the client under these Terms which is not made when due shall bear interest (after as well as before judgement) at a rate of five per cent per annum over the base rate of Barclays Bank Plc from time to time (or, if this cannot be ascertained, the base rate of such other financial institution, or such other rate, as KBRFX may determine). Such interest shall accrue and be calculated daily from the due date until the date of payment and shall be compounded at such intervals as KBRFX may determine.
3.3 In the event of the client failing to comply with the terms of any contract the client irrevocably agrees that KBRFX may:
(a) forfeit the whole of any payment made under clause 2.2 or any other payment in the form of a deposit that the client has lodged with KBRFX on any matter; and
(b) in the case of a Forward Transaction,sell any necessary covering currency to enable KBRFX to terminate the forward transaction.


4 Default and Termination
4.1 KBRFX shall have the right to without giving prior notice to the client close out all or any part of a contract, and to terminate this Agreement, without liability to the client for loss that may be sustained or otherwise, upon or at any time after the happening of any of the following events:
(a) The client (if an individual) dies or suffers from mental disorder [and either:
¬ they are admitted to hospital in pursuance of an application for admission for treatment under the Mental Health Act 1983 or, in Scotland, an application for admission under the Mental Health (Scotland) Act 1960; or
¬ an order is made by a court having jurisdiction (whether in the United Kingdom or elsewhere) in matters concerning mental disorder for their detention or for the appointment of a receiver, curator bonis or other person to exercise powers with respect to their property or affairs;]
(b) The client convenes a meeting of its creditors or if a proposal is made for a voluntary arrangement within Part I of the Insolvency Act 1986 as amended or a proposal for any other composition scheme or arrangement with (or assignment for the benefit of) its creditors or if the client shall be unable to pay its debts (within the meaning of section 123 of the Insolvency Act 1986) or if a trustee, receiver, administrative receiver or similar officer is appointed in respect of all or any part of the business or assets of the client or if a petition is presented or a meeting is convened for the purpose of considering a resolution, or other steps are taken, for the winding up of the client or for making of an administration order (otherwise than for the purpose of a solvent amalgamation or reconstruction on terms approved in writing by KBRFX (acting reasonably));
(c) It becomes or may become, in KBRFX’s opinion, unlawful for KBRFX or for the client to maintain or give effect to all or any of the obligations under these terms or otherwise to carry on its business or if KBRFX or the client is requested to close out a contract (or any part thereof) by any regulatory authority whether or not that request is legally binding;
(d) The client fails in any respect to observe or perform in whole or in part any of the provisions of, or commits a breach of any of the representations, warranties or undertakings contained in, the terms or any contract;
(e) After the date of this Agreement there is any change in the identity of the persons who together have the right to appoint and remove a majority of the members of the governing body of the client; or
(f) Anything analogous to any of the events specified above occurs under the laws of any other jurisdiction; or
(g) KBRFX considers it necessary or desirable to do so for its own protection.
4.2 If the client becomes aware of the occurrence of any event referred to in clause 4.1(a) to (f) above, it shall immediately give KBRFX notice of such event.
4.3 After closing out a contract KBRFX will send to the client a settlement notice, showing the client’s profit or loss arising from the closing out. Any such profit, after deducting any costs and expenses incurred by KBRFX in connection with such closing out and any other amount then due by the client to KBRFX or which KBRFX is authorised to deduct under any provision of this Agreement or under any contract, shall be paid to the client in accordance with the client’s reasonable directions. If there is a loss, the client shall pay to KBRFX an amount equivalent to such loss within 5 business days of the settlement notice being given.
4.4 In the event that a client’s cheque, transfer or payment by any other means is dishonoured, returned, not met on presentation or stopped for whatever reason KBRFX shall be entitled to levy an administrative charge of £25.00 in respect of each such cheque, transfer or payment. Such administrative charge will be payable by the client in addition to any other sums due under these terms.


5 Liability and Indemnity
5.1 Nothing in this Agreement or any contract note shall limit the liability of KBRFX to the client for death or personal injury resulting from KBRFX’s negligence.
5.2 KBRFX shall not be liable to the client for any liability arising out of or incidental to this Agreement unless it arises from a breach of this Agreement, which is attributable to the negligence of KBRFX.
5.3 KBRFX's Liability in respect of any contract is limited to a sum not exceeding the amount payable by KBRFX under the contract in respect of any one claim or in aggregate.
5.4 KBRFX shall be under no liability to the client in respect of any indirect, special or consequential loss or damage. All warranties which, but for this provision, would or might be implied by law, including (without limitation) warranties as to due skill and care or fitness for purpose, are hereby excluded to the fullest extent permitted by law.
5.5 The client will indemnify and keep KBRFX indemnified against all Liabilities incurred by KBRFX in the performance of its obligations under this Agreement or the enforcement of its rights hereunder and, in particular, without prejudice to the generality of such indemnity, against all amounts which may be necessary to compensate KBRFX for all liabilities sustained or incurred by KBRFX (including but not limited toKBRFX’s administrative costs and charges and loss of profits) as a result of:
5.5.1 Any default in payment of any sum when due or any other breach by the client under the Terms or under any contract;
5.5.2 KBRFX doing and taking all and any action and steps whatsoever to carry out the terms of any contract; or
5.5.3 KBRFX exercising its right under these terms to close out all or any part of any contract or this Agreement.


6 General
6.1 No party who is not a part of this Agreement shall have any rights under the contracts (Rights of Third Parties) Act 1999 to enforce any provisions of this Agreement.
6.2 The parties are independent contractors and this Agreement. The client agrees that nothing in this Agreement shall be deemed to create a partnership, joint venture or agency relationship between the parties.
6.3 Clauses 5.5 and 6.14 shall survive termination of this Agreement.
6.4 These terms (together with any contract) constitute the entire agreement and understanding of the parties with respect to the subject matter of this Agreement and supersede all oral communications and prior writing with respect thereto. No other terms and conditions of business, whether of the client or of any other person, will govern this Agreement.
6.5 KBRFX may amend these Terms by notice in writing to the client at any time and such amendment shall be binding on the client in respect to all orders subsequently received. Any such amendment shall not be retrospective or affect any rights or obligations that may already exist in respect of any contract. No other variation of this Agreement will be valid unless in writing signed on behalf of KBRFX and by an Authorised Person.
6.6 Should any one or more provisions of this Agreement be held to be invalid, unenforceable or illegal, the remaining provisions will be construed independently of one another and those not so held will continue in full force and effect.
6.7 The benefit of this Agreement may not be assigned or transferred by the client without the prior written consent of KBRFX. KBRFX may without notice to the Client assign and/or novate its rights and/or obligations under the Conditions to any third party and the Client hereby consents without reservation to any such assignment or novation. Any failure by either party to exercise and any delay, forbearance or indulgence by any party in exercising any right, power or remedy under this agreement shall not operate as a waiver of that right, power or remedy or preclude its exercise at any subsequent time.
6.8 In the event of any of the terms being in conflict with any contract, these terms will prevail. In the event of any of the terms, or (as the case may be) any contract being in conflict with any other documentation produced pursuant to this Agreement then these terms or (as the case may be) the contract shall prevail.
6.9 Any reference in the terms to the singular shall where appropriate include the plural. References to any legislation include any amendment or re-enactment of the same and any secondary or derivative legislation, statutory instrument, order or directive.
6.10 Any notice or document to be given by either party to the other under this Agreement shall be in writing and shall be deemed to have been duly given, unless provided otherwise, if left or sent by first class pre-paid recorded delivery post or facsimile transmission or other electronic media to the recipient at the address set out in this Agreement, or using the relevant telecommunications number of the recipient as at the date hereof, or to such other address or telecommunications number as the recipient may from time to time designate in writing for such purpose. Any notice or document shall be deemed to have been received by the recipient two working days after the date of dispatch of the same by post, or where this notice or document is sent by hand or given by facsimile or other electronic media simultaneously with the delivery or transmission (as appropriate). To prove the giving of notice it shall be sufficient to show that it was dispatched or delivered.
6.11 In this Agreement time shall be of the essence and references in any contract to time are to London time.
6.12 If either party is affected by Force Majeure it shall notify the other party of that fact as soon as possible. Neither party shall be deemed to be in breach of this Agreement, or otherwise be liable to the other party, by reason of any delay in performance, or non-performance, of any of its obligations hereunder, to the extent that such delay or nonperformance is due to an act of Force Majeure that is notified to the other party pursuant to this sub-clause. If any Force Majeure continues for more than 28 days then either party may terminate this Agreement by notice to the other.
6.13 The client shall take all necessary steps to ensure that the Terms, any contract and the terms offered by KBRFX in respect of any transaction or proposed transaction, are kept confidential except where disclosure is required by law and except in relation to information which has become public knowledge without any breach by the client of its obligations under this Agreement.
6.14 The client may not at any time during or within 12 months following termination of this Agreement offer to employ or to engage as a consultant or contractor any person who has during the term of this Agreement been an employee or consultant of KBRFX.
6.15 These Terms and this Agreement and each contract shall be governed and construed in accordance with English Law and the parties submit to the non-exclusive jurisdiction of the English courts.


7 Definitions
In this Agreement where the context admits
7.1 “Agreement” means the agreement constituted by the Terms and the client’s written acceptance of the terms and, where the context allows, includes any contract entered into under the Agreement;
7.2 “Authorised Person” means a person authorised by the client to enter into contracts with KBRFX and in respect of whom KBRFX has been given notice by the client including a specimen signature or a person purporting to be so authorised;
7.3 "Business Day” means a day when the banks in the City of London are open for business excluding Saturdays, Sundays and public holidays;
7.4 “Contract” means a contract to carry out a currency transaction made on the Terms;
7.5 “Contract Note” is a note issued under clause 1.2 by KBRFX confirming the terms of a contract;
7.6 “Force Majeure” means any circumstances beyond the reasonable control of either party (including, without limitation, any failure of electronic transfer, computer equipment, communications systems or any form of industrial action or any war or terrorist act);
7.7 “Forward Transaction” means a transaction where the value date is two or more working days after the order;
7.8 “Investment Business” and “Investment” each has the meaning given to it by the Financial Services and Markets Act 2000;
7.9 “Liability” shall mean losses, costs (including legal and other professional costs), damages, expenses, taxes, duties, charges or any other liability whatsoever;
7.10 “Order” means an order or instruction issued by an Authorised Person to KBRFX in respect of the purchase or sale of currency;
7.11 “Spot Transaction” means a transaction where the value date is less than two working days after the order; and
7.12 “Value Date” means the date on which the currency transaction reaches value with the counter-party as specified by KBRFX in the contract note.

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Privacy Policy

   1.    About this Policy

At KBR Foreign Exchange Limited (KBRFX, we, us, our) we take privacy of our clients very seriously. We work hard to make sure that the services we provide to you are secure and the information we collect about you or you provide us with (“your information”) is safe. Please take time and read this Privacy Policy (“The Policy”) carefully together with KBRFX Terms and Conditions. The Policy provides you with important information of how we use your personal data. All personal information you provide us with will be treated in accordance with this Policy. This Policy outlines the ways KBRFX may obtain, process and use your personal information. In this Policy “information” will mean any personal or sensitive information you provide us with when you browse our website, contact us for any reason, open an account with KBRFX, request a quote, book a foreign exchange trade, enter into a contract, request money transmitting services or enter into any survey or promotion. Please contact KBRFX if you have any concerns regarding any of the terms of this Policy and require clarification.

KBRFX is registered in the United Kingdom with Companies House registration number 05424125 and with HM Revenue and Customs for money services business, registration number 12257872. KBR Foreign Exchange Limited (KBRFX) is authorised and regulated by the Financial Conduct Authority (FCA) with firm reference number: 504575.

IMPORTANT: Please note that KBRFX services are not available to children under 18 years of age. Minors are respectfully asked not to apply for KBRFX services and not to submit any information.

2.       What information we collect

We will collect information you provide us with when you fill in the forms on our or our partners’ websites, correspond to us by email or letter or talk to us on the phone or in person.

When you open KBRFX website we will record which website you came from or which search terms you used. When you use KBRFX website we collect information about the machine/device you are using, including the type of the device, device identifier including INEI number and/or MAC address, the operating system, the type, the version and the plug-ins of the browser you are using. We will collect information whether you are connected by a fixed line or if you are using a wireless connection. We also collect the time you access our website, the time zone you access it from. We do not collect GPS information about your location. We will collect the information on the pages you viewed, the time you spent on the page(s) and how you interacted with the page(s) including clicks, mouse-overs and scrolling. When you leave KBRFX we will record which site you are going to.

When you open an account with KBRFX you are required to provide:

-          Private individuals: your full name, current address, previous address if you have been living less than three years at your current address, contact telephone numbers, email address and a form of identification (a passport or a UK driving license, and/or a recent utility bill) for each person registered on the account.

-          Corporate clients: Company name, trading name, trading address, registered address, Companies House registration number, date of incorporation, contact telephone numbers, company’s website, email address, bank name, bank account number and sort code bank address. Corporate clients are also required to provide estimated foreign exchange volume requirements, currency requirements and full details including the name, position, date of birth, residential address and a form of identification (a passport or a UK driving license) for each authorized signatory.

When submitting and personal information on behalf of any other individual (for example a joint account holder, company’s director, a shareholder or any other authorised signatory) you can only do so when you have asked permission from these persons.

When you make currency exchange with KBRFX or use our services to send money abroad or to someone else (a third party) we need you to provide us with relevant information in regards to this transaction. This information will include the amount you wish to exchange or transfer, currency you will be sending to us, currency you will require to be sent, the date you need the transaction to take place. When you make payments through KBRFX we will issue you with a Contract Note. The Contract Note requires you to provide beneficiary’s bank details including BIC/SWIFT code, Intermediary SWIFT, Routing Code, Sort code, BSB Number, where applicable, beneficiary’s bank name, address, account number or IBAN, account name, beneficiary’s address and payment reference. Beneficiaries’ names,  bank account information and transaction details will be retained on our records as required by law. KBRFX will never use third party’s information for any marketing purposes.

When you make payments through us we will also require you to provide us with a documented evidence of source of funds or wealth. This evidence can include a copy of your bank account or investment statement, probate documents, property sale contracts or relevant business transactions documents.

We may also require you to provide us with additional information where:

-           We might need further verification of your identity

-          An issue appeared during the course of background or fraud prevention checks

-          The payment is being made to certain jurisdictions

-          You make a high value transaction (or series of transactions amounting to high value)

-          You make a transaction which might seem unusual and/or make no commercial sense

-          Or in any other cases where we are required to collect the information from you to fulfil our obligations under Anti-Money Laundering or Anti-Bribery regulations.

 

KBRFX may obtain information about you from when we conduct background or fraud prevention checks using Electronic Identity Verification Services, Sanction Lists, Fraud Prevention Agencies, Companies House records and other organisations we may need to contact to receive information required by us to fulfil our legal obligations. By agreeing to KBRFX Terms and Conditions and the terms of this Policy, you agree to KBRFX obtaining information through other sources, including us confirming your identity via Electronic Identity Verification Services which may leave a print on your history. From time to time KBRFX may conduct background checks on our customers, such checks may provide third parties information including any associated persons or parties (spouse, civil partner, financial associates, partners, company directors, shareholders). Third parties information will only be used for risk and compliance requirements and will not be used for any marketing purposes.

When you communicate with us (via email, by telephone, or using any other means) we collect the information you give us and our responses. All telephone calls to and from KBRFX are recorded for quality control purposes, proof of the agreement made and to help us satisfy regulatory requirements.

If you connect with KBRFX through any Social Media (Facebook, Google, Twitter, Instagram or any other), where you permit us, we will collect the lists of your friends or followers. With your permission we may also collect any information you have shared with your connectors. For more information please check your social media Privacy Policies and if you have appropriate Privacy setting there.

KBRFX may receive information about you through other sources, for example where you use any other website(s) or services provided by KBRFX, participate in KBRFX’s advertising, promotional or any other marketing activity (directly, through an affiliate or as a part of Refer-a-Friend programme) directly or through another website. We will also collect your information you are a part of analytics or search information network. Such information will be used in accordance with the other sources’ Privacy Policies and can only be used for marketing purposes where you have provided consent to the other source or to KBRFX.

Sensitive Data.

Data regulations define certain information about you as sensitive data which include information of your racial or ethnic origin, sexual life or orientation, political opinions and religious or philosophical beliefs, physical or mental health, trade union membership and genetic or biometric data used for the purpose of identifying someone (such as fingerprint access). This information can only be collected with your consent. KBRFX DOES NOT require sensitive information from you to conduct our business. Please do not reveal any sensitive information when you communicate with us. We will never ask you any questions regarding such information.

If during the course of our communication, such as talking to us on the telephone or on the email you reveal this information by accident you will be giving KBRFX your full consent for us to store this information in a form of the telephone call or email recording, back up and archiving.

3.       Use of your information

KBRFX makes every effort to ensure that our customers obtain the safe and secure foreign exchange service through competitive pricing, efficient operations and a personalised service within a well regulated environment – this is the primary reason for us to collect your data. When you use our services you consent to us using your information for the following purposes:

-          To set up your KBRFX account. In order for you to use our services we will need you to provide us with information as specified in clause 2. Once we received this we will validate the information you provide us with. We will verify your identity, conduct background checks, including solvency check where required.

-          To provide you with foreign exchange and currency transfer services. The information you give us will be used to provide solutions to your currency requirements including exchange rate prices and quotes and money remittance services.

-          To comply with legal requirements and satisfy our ongoing responsibilities and obligations regarding compliance, fraud and risk management. KBRFX is an authorised financial institution registered and regulated by Financial Conduct Authorities (FCA), it is our legal obligations to keep continuous checks on our account holders and any connected parties. We monitor all transactions you make through us for the purposes of crime prevention or detection and to ensure compliance with counter-terrorist financing and anti-money laundering regulations. We will use information you provide to identify high risk individuals, including politically exposed persons, and to satisfy ourselves that we are not dealing with any individuals, companies, entities or countries which are subject to sanctions.

-          To provide you with customer services and account management. We will use different means of communications with you for different purposes. We may contact you by telephone, SMS or email to confirm your identity, account activity or to inform you about any transactions including those we have reasons to suspect to be illegitimate or where we have reasons to believe that her account have been used for illegitimate purposes or any other account activity, or to answer your questions, queries, deal with your complaints and investigating disputes that might arise. We will only use your email or postal address to confirm you opening an account with KBRFX, to send you the Contract note with confirmation of your foreign currency exchange agreement, to send you important changes to our terms and conditions, products or services, any notices or disclosures or where we are required to do so by law.

The above mentioned purposes are essential service and compliance business requirements. When you open your account with KBRFX you express your full consent to use the data you provide us with or we collect about you for such purposes, you cannot opt out or withdraw your consent for KBRFX to use your information at a later date.

-          Marketing. We may use your email address or telephone number as specified on your account to send you marketing and promotional information. Such communications may consist of our Daily Newsletters which will provide financial markets information, currency market updates and news. We may contact you to inform you about new services or products which we think you may find interesting or make recommendations or suggestions we think you may find useful based on your previous activity.

You can change your marketing communication preferences at any time. You can chose to receive some but not the other types of marketing communications or none at all and regulate the frequency of these communications. Please note it can take up to 48 hours for the changes of your preference to take effect.

-          To improve our services. We will use your information including your device information to improve and further develop our product and services including KBRFX website and or app or other technological developments that can be introduced by KBRFX at any time. Website administration including testing, troubleshooting, back up, archiving, storage, research, analysis and statistical purposes. Device capabilities differ so we will use your device information to display our content in the most efficient way. Aggregated customer information may be used to measure advertising and promotional efficiency and for statistical and reporting purposes.

4.       Cookies

Like most websites KBRFX website uses cookies. Cookies are small text files stored on your computer by your browser. They're used for many things, such as remembering whether you've visited the site before, so that you remain logged in - or to help us work out how many new website visitors we get each month. They contain information about the use of your computer but don't include personal information about you (they don't store your name, for instance). You can choose not to allow cookies. If you do, your experience with KBRFX website might not be as good as if you do allow cookies. The information collected by cookies does not personally identify you; it includes general information about your computer settings, your connection to the Internet e.g. operating system and platform, IP address, your browsing patterns and timings of browsing on the Website and your location. Most internet browsers accept cookies automatically, but you can change the settings of your browser to erase cookies or prevent automatic acceptance if you prefer. Please see Cookie Policy for further information

5.       Sharing your information with third parties.

To ensure high standards and ongoing availability of our services KBRFX works closely with various companies and organisations (the third parties) who support various important functionalities of our business. By accepting this Privacy Policy you express your consent for KBRFX to transfer your data to third parties for the purposes as described below:

-          Our banking partners and intermediaries are used for the money transfer services. We provide the banks with the beneficiary’s bank details as specified by you on the Contract Note to complete the payment transaction.

-          Electronic Identity Verification, Sanction Lists search, Fraud Prevention, Anti-Money Laundering and Risk management are conducted as required by law through a number of third parties partners who carry out relevant checks. Information we provide them may include documents which have photographs of you.

-          Current regulations require all financial institutions to certain transaction information and relevant statistical data to the regulators. We will use your data as a part of our reporting compliance

-          Where required or permitted by law we may disclose your information to the police, other law enforcement agencies, regulatory authorities or departments, government and inter-government organisations.

-          If at any time in the future KBRFX is undergoing a buyout, a change of control, a merger, a sale of assets or acquisition by another company or in case of a liquidation we may disclose your information to the acquiring party and /or advisers acting on their behalf as a part of Due Diligence process. Your information may also form a part of transferred assets. In these cases the acquiring party will be fully bound by the present Privacy Policy.

-          We may also disclose anonymized statistical data about our customers to advertisers, partners, prospective investors or other third parties for any lawful purposes. These statistics however will not display your personal data.

-          If you were referred to KBRFX by an affiliate, a marketing partner or through a Refer-a Friend programme we will notify the referring party when you open your account with us and when you trade with us. In turn we may, with your explicit consent refer you to our marketing partners if we believe that the services they provide will be beneficial to you. We will always ask your permission for such referrals and you can withdraw your consent at any time. We will only provide the information our partners will require to contact you, such information will usually include your name, email address and /or telephone number.

 

6.       Transfer of information overseas

 

In order to provide you with our services, in some instances your information may be transferred, proceed and/or stored in a country outside the EEA (European Economic Area). We might have to share your information with organisations located outside the EEA when you use our money transfer services. In these cases KBRFX may provide your and the recipient’s information to the recipient’s and any intermediate banks and /or any other payments services providers to execute the transaction and provide you/us with the information in regards to the payment. This can also be the case where employees working for one of our suppliers, partners or sub-contractors are operating outside the EEA to provide you or us with customer support or process your payment request on our behalf. We may also have to disclose your information to organisations outside the EEA to comply with our legal obligations, such organisations include but not limited to police, other law enforcement agencies, regulatory authorities or departments, government and inter-government organisations.

 

If your information is transferred to the countries outside the EEA KBRFX will take all practical and appropriate steps to ensure that your information is secure and all sufficient measures are in place to safeguard your information at all times to the same standards as it is required by the EEA regulations and in line with the guidelines of this Privacy Policy.

 

When you submit your information to us and require the use of KBFX foreign exchange and / or money transmitting services you agree that your information may be transferred to the countries outside the EEA in accordance with this Privacy Policy.

 

7.       Data Updates and Retention

 

It is critically important for the performance of our services that the information you provide us with is accurate at all times and always kept up-to-date. When you set up your account or submit a Contract Note to us please make sure that your information is correct. You must always contact your account manager or as specified in clause 10 below when there are any changes relevant to your KBRFX account and the information we hold about you requires update.

 

KBRFX is a financial institution which is required by current financial regulations to keep your accounts data for the minimum of 5 years after your account has been closed. In some cases, for example where there is an ongoing investigation by the regulators or any law enforcement agencies, we might be required to retain you information for longer. Upon the completion of the retention period your data will be removed and deleted from our systems.

 

8.      Information security

 

KBRFX works hard to protect your information from unauthorised access. We have robust security measures in place to prevent data loss, control internal and external access to your information and protect your data integrity.

 

All KBRFX employees are subject to identity and credit checks. KBRFX employees have strict access control right, which are restricted to the least privileges necessary to perform their responsibilities. No employees have access to your confidential data unless they have a genuine business need. Violation of information safety standards, policies and procedures by an employee results in disciplinary action, from warnings or reprimands up to and including termination of employment.

 

All KBRFX business partners and affiliates, who at the course of providing their services to KBRFX, have access to your information are bound by Non-Disclosure Agreements and Confidentiality clauses in their contracts to provide the necessary levels of data security and only process information as instructed by KBRFX. All such agreements and contracts have been updated with relevant Addendums to reflect the changes required by GDPR.

 

KBRFX uses industry approved information security systems including the firewall software, data encryption and the latest anti-virus protection capable to detect all known malicious types of software. KBRFX’s Information security policy and procedures are subject to ongoing reviews. All security systems are checked by the IT security experts at a minimum on an annual basis. However, worldwide web can never be seen as a universally secure medium. It can be the case, that despite our best endeavors, data security can be breached through the internet at some time. By accepting this Privacy Policy you accept the risks of providing the information online. KBRFX will not be liable for breaches of information security resulting in any loss of data or any injury or harm that might occur to you as a result of such breach unless the breach was a result of KBRFX’s negligence or failure to provide suitable levels of protection under the GDPR regulations.

 

9.       Your rights in regards to your data

 

Under the GDPR 2018 you have the following rights in regards to your information:

  1. the right of access. You can contact us and request us to provide you with all information we hold about you at any time. We will usually, unless your request is excessive, provide you with the information within 30 days free of charge. Where your requirements are excessive or deemed manifestly unfounded we may take up to 90 days to provide you with the information and charge you a reasonable fee for the provision of the excessive information.
  2. the right to rectification of inaccurate data. As specified in clause 7 above it is important for KBRFX to hold accurate information in regards to your customer account, foreign exchange and money transfer requirements. Please do not hesitate to contact us as soon as can and update us on any changes.
  3. the right to erasure. Our obligations in regards to erasure of your information highlighted in clause 7 above. We are required by current financial regulations to keep your accounts data for the minimum of 5 years after your account has been closed. In some cases we might have to keep your information for longer. Once the retention period has been completed your data will be removed and deleted from our systems.
  4. the right to object. You can at any time withdraw the consent you have previously given to us and object to us using your information, for example, for marketing purposes. However you cannot object us going ahead and processing your information where you have previously given your consent to become a party of a contract. If you gave us you consent prior to becoming a part of a contract we will process your information. Where it is possible, you will however have a right to ask us to stop future processing under the contract.
  5. the right to data portability. You have a right to receive the information we store about you in widely acceptable and easily read electronic format (csv, xlsx, pdf, etc.)
  6. rights related to automated decision making. Personal relationships with our customer are the key to KBRFX’s corporate ethos. We offer a personalised service by dedicating an account manager to cater for all your currency exchange and money transfer requirements. We prefer not to rely and bring to the minimum the use of automated decision making or profiling services. If you ever feel that you have been unfairly treated by us because of us using the services please contact us. We will be glad to look into your individual situation and find a mutually satisfactory solution where possible.
  7. the right to the restriction of processing. You can restrict us using your information for marketing purposes at any time either by contacting us or by clicking on Unsubscribe link at the bottom of each newsletter we send to you.

You can action any of the above rights at any time either by speaking to your account manager or through contact details specified below in clause 11. If you have any issues or complains in regards to you the execution of your rights under the terms of this Policy please notify KBRFX Data Protection Officer in writing. Who will respond to you within 30 days from the day we receive your correspondence.

Where you have reasons to believe that KBRFX have not handled your request in regards your data protection rights appropriately you have a right to complain to UK Information Commissioner on the ICO website https://ico.org.uk/  or by telephone 0303 123 1113

10.   Miscellaneous

KBRFX reserves the right to amend this Privacy Policy at any time and in line with the legislation. To notify you of any changes we will email you to the address we have specified on your account. By continuing to use KBRFX services you consent to all amendments. If at any time you disagree with any of the provisions of Privacy Policy, please contact KBRFX and close your account with us.

  1. 11.   Contact Us

If you have any questions or concerns in regards to this Privacy Policy or any other Data Protection related issues please contact KBRFX Data Protection Officer

Business Accounts: 0800 8778 466,

Personal Accounts: 0800 8778 477

Partners Accounts: 0800 9555 002

or write to us at Data Protection Officer, KBR Foreign Exchange Limited, Riverside Business Centre, Fort Road, Tilbury, RM18 7ND, United Kingdom.

 

This policy was last update on the 25th of May, 2018.

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