a) Ongoing capital requirements;
b) Sufficient liquidity;
c) Organisational arrangements that are sufficient to minimise the risk of the loss or reduction of our customer’s relevant funds through fraud, misuse, negligence, or poor administration;
d) Effective risk management procedures;
e) Adequate internal control mechanisms; and
f) Relevant records.

a) Money Laundering;
b) Tax Evasion;
c) Terrorist Financing;
d) Fraud; and
e) Sanctions Abuse.

a) Who we are;
b) How we will provide payment services and e-money to you;
c) What to do if there is a problem with our provision of services; and
d) Other important information such as your account with us and how to complain if something does go wrong.

a) Comply with Laws or Regulations;
b) Reflect changing sectoral conditions (payment services and e-money); or
c) Meet our changing business requirements.

a) Privacy Notice: which sets out how we collect, process, record and share any personal data we collect about you, or that you provide to us. By using our Products and Services, you consent to such processing and you promise that all data provided by you is accurate;
b) Fees and Limits Schedule: sets out fees and limits as they apply to your Account with us; and
c) Frequently Asked Questions ("FAQs"): which provides answers to common questions about us or our products and services.

a) Send money and receive money using Faster Payment or Direct Debit;
b) Make payments and withdraw cash using your Card; and
c) View information about and manage your Account.

a) you breach any condition of these Terms and Conditions;
b) you conduct activity that we identify as suspicious;
c) we have reason to believe that you are in violation of any law or regulation that is applicable to your use of our products and services;
d) you harass or engage in obscene, rude or abusive behaviour against our staff or Ace Union; and / or we reasonably believe that your Card or Account has been compromised.

a) Change your password regularly and ensure that it isn’t reused across other online accounts;
b) Contact our Customer Support team if anyone pretends to be from Ace Union and is asking for your password;
c) Let our Customer Support team know immediately if your email address, phone number or identity has been compromised and Keep your account details safe. This includes letting anyone see you access your Account such as at home or on public transport.

a) Handle your complaint fairly and promptly;
b) Give a copy of our Complaint Handling Rules in writing upon request and when acknowledging a complaint;
c) Send you a prompt written acknowledgment or a summary resolution communication (if the complaint can be resolved within 3 business days);
d) Keep you reasonably informed about the progress of your complaint and Send you a final response within 15 business days, or 35 business days in exceptional circumstances.

a) More than 6 months after the date of our final response or redress determination; or
b) More than 6 years after the event complained of; or
c) If later, 3 years from the date on which you as complainant became aware (or ought reasonably to have become aware) that you had cause to complain.

a) customers won’t automatically get their money back (as is the case with the FSCS);
b) customers should get majority of their money back (less costs that may be taken from any customer asset pool by an appointed administrator or liquidator as they relate to the returning of all relevant funds); and
c) Ace Union would adhere to The Payment and Electronic Money Institution Insolvency (England And Wales) Rules 2021 which come into force on 12 November 2021 and which contain the objective of ensuring the return of relevant funds as soon as is reasonably practicable.