Terms & Conditions

Please read and accept to complete the registration.

These Terms and Conditions Explains the detail of the following:
A. Our Accountabilities
B. Your Accountabilities

These Terms and Conditions apply where we provide our Services for you that include an Online and/or Mobile Money Transfer. You are required to read and understand the rules in this agreement stated below, as they are binding between you and Avas Union (UK) Ltd. (“Company”), being the provider of AV Remit (“Avas Union (UK) Ltd. Online & Mobile Money Service”).

Before completing the registration as user/customer/client, you must know the Terms and Conditions (‘’rules”) for using your account. You need to understand each clause of the rules set out in this document. You are required to keep these rules as they are a binding agreement between you and Avas Union (UK) Ltd., providing xAV Remit Online & Mobile Money Transfer service.



I (“Customer”) confirm and agree that the following Terms and Conditions shall govern my AV Remit Online and/or Mobile Money Account and the usage of the service with the organisation.



The Customer is deemed to have accepted these Terms and Conditions of Use, and as may be amended from time to time and which take effect upon Registration.


I. The Terms and Conditions listed below govern the access and use of our website (“AV Remit Website”) and mobile phone application (“the App”) that enable you to transfer money (“the Service”).

II. In these Terms and Conditions the terms “AV Remit”, “we”, “us”, “our” refer to Avas Union (UK) Ltd.

III. In these Terms and Conditions “you”, “your” refer to any person who accesses and/or uses the Service.

IV. The company provides the service to the customers to send and receive money and to enable customers the ability to credit a mobile phone account with Airtime Top Up. For security reasons, it is recommended that the customer sends money and processes Airtime Topup only to their known individuals.

V. These Terms and Conditions are effective from the date on which you first access, register or use our Service. The Terms and Conditions may change from time to time, but changes will only be effective 45 days from the date they are first notified.


The following definitions relate to these Terms and Conditions:

I. “Agent” refers to any party or device, including authorized Avas Union Agents, Merchants, connected kiosks and bank tellers that facilitate AV Remit transactions on behalf of the company.
II. “AI” refers to Artificial Intelligence used in computers, mobiles or any other automatic devices "The APP".

III. “App/Web-based App” refers to Av Remit’s Mobile phone and/or Online applications.

IV. “Airtime Top Up” means the monetary value, which is added to a mobile phone account that is purchased by you and credited to your Receiver’s mobile phone account.

V. “AV Remit” refers to Avas Union (UK) Ltd. online and mobile money transactions platform. Avas Union (UK) Ltd. is duly incorporated and registered under the laws of United Kingdom.

VI. “Business Day” means the day on which we are open for business to process and execute your Transaction Request.

VII. “Compliance Officer” means one or more members of staff of the company who is/are responsible for compliance with Money Transfer Regulations, anti-money laundering legislation and other applicable laws.

VIII. “Content” means all information whether textual, visual, audio or otherwise, appearing on or available through the services.

IX. "Target Country" means the country in which the receiver receives money or Airtime Top-Up.

X. “Credit” means the movement of funds into an account via online transfer.

XI. “Customers” or “Users” means persons that have or will have access to a selection of services, whether registered or unregistered.

XII. “Debit” means the movement of funds out of an account via online transfer.

XIII. “Fees” means the charges and fees we charge to you for the Service, the prices or rates that we inform you via online and/or mobile app before we approve a transaction, or as provided in these Terms and Conditions.

XIV. “Force Majeure Event” means any of the circumstances referred to "Your Accountabilities: Clause IV(c)".
XV. "Instrument" means a valid source of payment such as a Bank account, Debit or Credit card.

XVI. "Local Taxes" means any taxes or charges payable in the Target Country.

XVII. “Mobile payments” describes the service or process that allows customers to make and receive a variety of payments using their mobile phone, among other channels. This service is available as a part of Avas Union (UK) Ltd. Mobile Money product offerings.

XVIII. “Mobile Money” refers to the financial services products offered by Avas Union (UK) Ltd, with a central feature being (a) transactional account(s) that may be used in relation to a wide variety of services.

XIX. “Mobile phone” means a device which can make and receive telephone calls and send and receive SMS, among other communication options.

XX. “Mobile wallet” or “wallet” is otherwise known as the AV Remit Mobile Money customer account; is an electronically stored value account on AV Remit Mobile Money created for use by the Customer or Agent. Credits, debits and charges are applied to this account. The account is primarily accessed through your mobile phone.

XXI. “Money laundering” means all financial crimes and prohibited purposes relating to money laundering and the Combating the Funding of Terrorism (CFT), including suspicions of fraud under the Anti-Money Laundering laws in the United Kingdom.

XXII. “Money Transfer Regulations” means the applicable laws of the United Kingdom or of the country from which a transaction is carried out with the intention of the money to be received by the receiver, without limitation, the Financial Services and Markets Act 2000, the
Payment Services Regulations 2017, Money Laundering Regulations 2017, Criminal Finances Act 2017 and any other statutory or regulatory rules, referred as “Regulations” that may apply to the Contract.
XXIII. "Payout Amount" means the amount paid out, after any foreign exchange conversion, to the Receiver’s account exclusive of the Service Fee.
XXIV. “PCN” means the Payment Control Number or the Transaction Number.

XXV. “PIN” means personal identification number being the secret numeric passcode you choose for secure use of (and access to) your Online and/or Mobile Money account.

XXVI. “Products” refer to AV Remit Mobile Money products, including but not limited to person-to-person money transfer, bill payments, airtime top-up and online payments services.
XXVII. “Prohibited Purposes” means activities which involve dealing with narcotics, steroids, pharmaceuticals, chemicals, drug paraphernalia, tobacco, seeds, plants, animals, military or semi-military goods or services, weapons (including dual-use goods), adult services or content, any cryptocurrency, binary options or gambling services or any other activities that are prohibited by Avas Union (UK) Ltd.’s policies as amended from time to time.
XXVIII. “Receiver” means someone who receives money or AirtimeTop Up
through the Service.
XXIX. “Reference number” means the PCN, which will be issued to you as and which the recipient will be required to provide to receive the money sent by you.

XXX. “Registered phone number” refers to any phone number that has been registered on to AV Remit.
XXXI. “Request” means a specific instruction or transaction request from you to process a transaction to send money or Airtime Top Up to a receiver through our Service.

XXXII. "Sanction/Sanctioned" means a provision of a law enacting a penalty for disobedience by any competent government authority.
XXXIII. “Sender” means someone who is using the services to send money or airtime top-up to the receiver

XXXIV. “Service” means any products and services provided to the customer as part of AV Remit Online and Mobile Money Transfer.

XXXV. “SMS” or “Short Message Service” is a standard communication service on mobile phones which is used to exchange short text messages between mobile devices.
XXXVI. “Transaction Amount" means the amount of money or Airtime Top Up value sent by you to the receiver, excluding any applicable Fees, Local Taxes and prior to any currency conversion.

XXXVII. “Website” means the AV Remit Online and Mobile Money official web portal or its associated web portals: www.avremit.co.uk and/or www.avasunion.co.uk


I. AV Remit Online & Mobile Money Service enables users or customers to do money transfers, deposit and withdraw money and top up airtime from their phone, Online using a computer, laptop or tablet and/or from authorized Agents and Bank partners.

II. Customer or User will be informed from time to time, of any additional features that may be offered on AV Remit Online & Mobile Money, and where necessary, the applicable means or requirements to activate any such features.

I. Avas Union (UK) Ltd. operates a website (the Website) and a mobile phone application (the Application) to assist you with money transfer using a device connected to the Internet and/or a mobile phone.
II. Avas Union (UK) Ltd. is a company incorporated and licensed under the laws of the United Kingdom, (company number 09037636) engaged in the business of funds remittance with its
Head Office located at Unit 3037, Level 30, 40 Bank Street, Canary Wharf, London, E14 5NR, United Kingdom.
III. Avas Union (UK) Ltd. is regulated by the Financial Conduct Authority bearing FRN 728640 and HMRC bearing MLR 12848879.
IV. Please contact us by using any of the following means:
     By Post: Unit 3037, Level 30, 40 Bank Street, Canary Wharf, London, E14 5NR, United Kingdom,
     Email using the email address: info@avremit.co.uk,
     Website: www.avremit.co.uk


I. As a fully regulated institution to provide the s
ervice, we shall obtain, verify and record information about you.
II. We will not disclose any of your information and will be treated as strictly confidential if not the information that you provide is already publicly found.
III. We may disclose customer information if required to do so by law, by legal or regulatory requirement, by the police or any other competent authorities in connection with the prevention or detection of proceeds of crime or to help combat fraud, money laundering and terrorism financing. We may also report suspicious activity to National Crime Agency and/or appropriate competent law enforcement or government authorities.
IV. For more details on our confidentiality, please see our Privacy Policy at https://www.avremit.co.uk/privacy-policy


I. The Contract is formed on acceptance of the Terms and Conditions upon your registration as a 
customer and sign up for the Service in offer.

I. Under these Terms and Conditions, we agree to provide the Service to you where we operate on our own and/or through our partners locally or in other regions.
II. We are not bound to process all your money transfer requests. When you make a Transaction Request, it means that you are requesting us to process and giving us your consent to execute the Transaction. We may, in our sole discretion, choose to refuse your request. If we decide so, we will notify you accordingly.
III. In case we refuse to process your transaction, we shall repay the original Transaction Amount if received by us. We may suspend or cancel your transactio
n at our discretion if deemed necessary and we shall do this under the money laundering rules and regulations.
IV. AV Remit reserves the right to amend the Service without notice, at any time and from time to time.
V. We may, in our absolute discretion, impose limits on the Transaction Amount. We may do so either on a per Transaction basis or on an aggregate basis.
VI. The disbursement time of your request to your receiver is strictly indicative and not a guarantee as the disbursement time of your transaction request depends on the business hours of other regions, verification of your identity if required or to comply with applicable laws.
VII. We may send you notifications of your Transactions by email and/or SMS. We may ask you to identify the Transaction, the amount of the Transaction including our Service Fee, exchange rate and the date.
VIII. We may apply a convenience fee for processing credit cards payments under our discretion.
IX. To process your Transaction request without errors, we may ask for one or more of the Receiver’s Full name, Bank Name, Branch Name, Account Number, Bank Code,
Branch Code, IBAN, Account Type, Mobile Money Account Number, Mobile Number.

X. We will always provide you the service within a laws, rules and regulations of UK and EU Payment Services Directives (as updated and amended time to time).

I. You will not use the Service unless you are at least 18 years old and you have a legal capacity to enter into any legally binding contracts;
II. For each Transaction request, you will pay the Service Fess. If for any Transaction request, AV Remit becoming liable for any other charges excluding usual Service fees, you agree to reimburse us for all such charges and fees.
III. You will not take or make any attempt to hinder the service.
IV. To comply with all applicable rules and regulations of Money Laundering Regulations 2017 and Payment Services Regulations 2017 when using the Service, you will:
    (a) provide us with true, accurate, current and complete evidence of your identity, and notify us immediately of any changes;
    (b) provide us with any additional 
documentation if we ask to validate your identity;
    (c) not use the Service for or in connection with any Prohibited Purpose or attempt to tamper, hack, modify, overload, or otherwise corrupt or circumvent the security                  and/or functionality of the Website and/or the Application or to infect it with any Malicious Code (Force Majeure Event);
    (d) if asked or requested, you will provide us with true, accurate, current and complete information the Receiver your transaction;
    (e) provide us with any other information that may be required to process your Transaction Request properly
V. You will register and open only one (1) account with us. If you require to open more than one account, notify us immediately by email or post.
VI. Transfer money only from your own credit card, debit card or bank account.
VII. You will always provide accurate detail when doing any transaction. It will 
normally not be possible for us to amend any detail of the transaction once submitted.
VIII. The following information will be provided to you before submitting transaction request.
      (a) The Transaction Amount
      (b) Service Fee and/or other applicable fees and charges
      (c) The relevant exchange rate
      (d) The Total Transaction Amount

      (f) Receiver detail 
IX. Avas Union (UK) Ltd. will not be responsible for any fees or charges that you may incur when you pay for the service. These may include but are not limited to unauthorised overdraft fees, cash advance fees and additional interest which may be imposed by your credit card providers.
X. You acknowledge that the currency conversation rate may change at any time, even at the time while you prepare a transaction request. The final rate of currency conversation will be notified to you at the time when your transaction receipt is generated.
XI. You will not use this service to pay for any goods or services you buy from any other third parties. If such activity is detected, AV Remit may refuse to process your transaction request.
XII. You will use this service to send money only to the receivers that you know personally.
XIII. In case you want to use this service on behalf of any third party, you must inform AV Remit immediately. AV Remit reserves the rights to accept or refuse your request; we will notify you of our decision by abiding the Money Laundering Rules and Regulations.
XIV. You will always use this service for legitimate and lawful reasons. In case AV Remit detects or finds that you are using the service for any illegal activity, Avas Union (UK) Ltd. may report you to the appropriate legal authorities.
XV. You will not:
     (a) breach any agreement between you and AV Remit including these Terms & Conditions;
     (b) provide any kind of incorrect information;
     (c) disclose your login detail to anyone else;
     (d) block our access to track your activity as a user of our service;
     (e) refuse to provide any information that we may ask to comply with applicable laws, rules and regulations;
     (f) use any AI or Software to block your identity;
     (g) release or publish any Computer Virus, Malware or such with an intention to crash our system via any device that may use to use our service.
XVI. You acknowledge that it is your sole discretion to accept these Terms and Conditions. If you are in doubt in any manner, Avas Union (UK) Ltd. expects that you take legal advice from your own professional advisors before accepting of these Terms and Conditions.


At our absolute discretion, we may refuse, suspend or cancel any of your Transaction Request at any time. Please read the following to understand when this may happen.
I. If we believe and find that the AV Remit system has been used for any sort of illegal purpose by you or your receiver who are registered into our system.
II. If you or your receiver of the transaction is found anywhere in the government issued prohibited/sanctioned lists; the lists may have been produced locally or internationally.
III. If we believe and find that the funding of the transaction has been made from 
an illegitimate source or from any payment institution that has fallen under government prohibited/sanctioned list.
IV. If we believe or find that the fund paid by you is fraudulent.
V. If we believe or find that you are using the Service to purchase goods or services from third parties you do not know or trust.
VI. If we believe or find that:

    (a) Your identity cannot be verified;
    (b) The identity of the receiver cannot be verified;
    (c) You do not comply with these terms and conditions.
VII. If we believe or find that you have used the system or our service to hide your identity; in such circumstance, Avas Union (UK) Ltd. will suspend your account temporarily or permanently; depending on the severity of the investigation.
VIII. If we take measures to Refuse, Suspend or Cancel your transaction request, Avas Union (UK) Ltd. will retain the service fee.


I. As we process every Transaction Request according to the Moner & Payment Services Rules and Regulations, once you submit a request to us to execute, you cannot cancel or revoke the request. We shall try to cancel or recall your request and if your cancellation or refund request is successful, Avas Union (UK) Ltd. will normally refund your money, less any charges if incurred, within four (4) Business Days.
II. At Your absolute discretion, you can cancel Transaction Request(s) and request for the refund of the amount paid. Please read the following to understand when this may happen. If you:
    a. have any problems using the Service, or
    b. are aware of any unauthorised or incorrectly executed Transactions;
III. If you 
become aware of any unauthorised or incorrectly submitted Transaction, you must request for a refund in writing (including by email); please see the contact detail at the bottom of these Terms and Conditions. When requesting the refund, you will provide the following information/detail accurately; both your and your receiver's.
   (a) Full name
   (b) Address
   (c) Phone number
PCN: Transaction Reference number
   (e) Transaction Amount, and
   (f) The reason for your refund request.
IV. If you make and submit a Transaction request with any incorrect information/detail, Avas Union (UK) Ltd. will not be liable to approve your request for the refund. We will, 
however, make reasonable efforts to recover the funds. We may charge you a reasonable fee, if or if not successful in doing so.
V. Your refund request will be approved immediately if your Transaction request is executed wrongfully by us or any of our approved third parties. However, if any loss is incurred in doing so, Avas Union will inform you immediately and such loss will not affect your refund request.
VI. All refunds will be paid back to the same payment instrument that you used to pay for the transaction.


To avail the Airtime Top Up service, you agree to accept the following Terms and Conditions.
I. The Airtime Top Up service of the mobile operators shall be provided that are available on the system.
II. You will always input the correct mobile phone number and select correct mobile operator from the service. Avas Union (UK) Ltd. will not be liable for any incorrect mobile number that has been put by you.
III. You will be asked to reconfirm your receiver’s mobile to avoid any mistake and error.
IV. The total cost of AirtimeTop Up will depend on the amount of Airtime Top Up and will be displayed before submitting your request.
V. The Airtime Top Up is typically sent within a few seconds by us but in case of any delay and you wish to know the reason(s) for the delay, please contact info@avremit.co.uk
VI. As the Airtime Top-up is executed within few seconds, you will have no right to request a refund under the European Union (Consumer Information, Cancellation and Other Rights) Regulations 2013.
VII. Avas Union (UK) Ltd. reserves the absolute discretion to limit the number or the maximum value of Airtime Top Ups that can be sent over a given period of time e.g. daily, weekly, monthly (we 
reserve this right due to mobile operator restrictions).

VIII. You will be notified of any other changes or amendments relating the service via the website; www.avremit.co.uk.

I. To comply with UK Financial services law, we may require you to provide us with personal identifying information relating to you and the Beneficiary/Receiver.
II. We will verify your residential address and personal details in order to confirm your identity. In doing so, we may check third party databases or through other sources of UK and other countries to record the accurate data and information of you and your beneficiary. All information provided by you will be treated securely and strictly in accordance with the Data Protection Act 1998.
III. Data Privacy Policy: You consent to our processing of your personal information for the purposes of providing the Service, including for verification purposes as set out in this clause. You acknowledge that you have read and acknowledged AVRemit's Privacy Policy. The Privacy Policy can be found by clicking https://www.avremit.co.uk/privacy-policy.
IV. Government Disclosures: We may be required by law to provide information about you, your use of the Service and your Instructions to government or other competent authorities as described in our Data Privacy Policy.
V. AVRemit will record all the necessary information associated with associated with a Transaction request. Such information may include a valid, unexpired identification document and/or a transaction tracking number, a personal identification number (PIN), a "password", a "secret word", or other similar identifiers.


I. All right, title and interest of whatever nature (Including but not limited to copyright design rights and patent application rights) and all intellectual property rights and moral rights produced by AV Remit, Avas Union (UK) Ltd. in/within the Website, the Application, the content, the name and other names, logos, signs, domain names, email addresses relating to our products and/or services and all intellectual property in connection with this contract or relating to the services provided hereunder will vest in and belong to the company (or the client or such third party as nominated by and at the option of the company) or any third party related to our service.
II. You may use the Website and the Application only to use our Services as an individual consumer or business customer and only as permitted by these Terms and Conditions or described on the Website. You are authorized solely to view and to retain a copy of the pages of the Website for your own personal use. The Website and the Application and the Services may not be used for any other purposes without our knowledge. You may not duplicate, publish, modify, create derivative works from, participate in the transfer or sale of, post on the internet, or in any way distribute or exploit the Website, the Application or any portion thereof for any public or commercial use without our written permission.


I. We shall refund 
you the Transaction Amount and the Service Fee if any loss is incurred by for the breach of these Terms & Conditions occurred by us.
II. You must provide all the relevant 
documentation to claim for compensation and we shall refund after an investigation of the claim.
III. If any loss that you suffer is not covered by a right to payment under the laws referred to in clause 11.2, we will only accept liability for that loss up to a limit of £400, unless otherwise agreed by us in writing for each of your loss.
IV. We do not, in any event, accept responsibility for:
    (a) any failure due to abnormal and unforeseen circumstances or outside our control or due to our obligations under any applicable laws, rules or regulations and/or transmission of messages arising out of the use of any internet, website or telecommunications service provider;
    (b) malfunctions in communications facilities that may affect the accuracy or timeliness of your requests that you send to us for execution; or
    (c) any incomplete or incorrect information provided to us by you or a third party.
V. Your relationship is with our company only. None of the 
service providers, agents, affiliates or any third party related to our service owes you any duty of care when performing a task.
VI. We will not be liable for the losses incurred in respect of an unauthorised Transaction or Instruction or any other unauthorised use of the Service by you, if you have acted unlawfully or illegally and you agree to hold harmless our company, our subsidiaries, affiliates, officers, directors, employees, agents, independent contractors, advertisers, partners, and co-branders from all activities that might involve any financial, moral, intellectual or such loss, because of your violation of these Terms and Conditions or any other violation of the rights of another person or party related to our


I. In consideration of you agreeing to abide by these Terms and Conditions, we provide you a non-transferable, non-exclusive licence to use the App, subject to these Terms and Conditions, our Privacy Policy and the applicable app-store terms (incorporated into these Terms and Conditions by reference) as may be amended from time to time. We reserve all other rights.
II. We only supply the App for domestic and private use. You agree not to use the App for any commercial, business or resale purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity. Specifically (but without limitation), we do not accept any liability for loss or damages to you or any third party resulting from any delay in us processing an Instruction or refusal by us to execute a Transaction pursuant to these Terms and Conditions.

III. If you use the App for any commercial, business or resale purposes, you must and immediately inform us by the means you will find in contact us section of this document.



For more details on our Transaction Process, please see our How AV Remit Works at https://www.avremit.co.uk/transaction-method-how-it-works


I. If any provision or part-provision of this agreement is or becomes invalid, illegal or unenforceable, it shall be deemed modified to the minimum extent necessary to make it valid, legal and enforceable. If such modification is not possible, the relevant provision or part-provision shall be deemed deleted. Any modification to or deletion of a provision or part-provision under this clause shall not affect the validity and enforceability of the rest of this agreement.
II. If one party gives notice to the other parties of the possibility that any provision or part-provision of this agreement is invalid, illegal or unenforceable, the parties shall negotiate in good faith to amend such provision so that, as amended, it is legal, valid and enforceable, and, to the greatest extent possible, achieves the intended commercial result of the original provision.


I. The Company shall not unlawfully discriminate you or your receiver within the meaning and scope of any law, enactment, order, or regulation relating to discrimination (whether in 
race, gender, religion, disability, sexual orientation or otherwise) in employment.

I. You may terminate these Terms and Conditions on two month’s written notice. We may terminate these Terms and Conditions upon two months’ notice, except as provided for in 
subclause II of this clause.
II. We may without notice (except as required by law) and without liability to you, terminate or suspend your access to the Service at any time if we:
    (a) Find or believe or become aware you are likely to become insolvent;
    (b) Find or believe that you are in breach of any provision of these Terms and Conditions;
    (c) Find or believe that you are by any means of communication intimidate, harass or threaten our company or its employees;


We welcome your feedback to review and make our service better. If you are not satisfied 
with any aspect of our service, you can make a complaint by writing in mail or email. You can use any of the following to let us know the complaint.
    (a) By mail/post: Complaint Officer, Avas Union (UK) Ltd. Unit 3037, Level 30, 40 Bank Street, Canary Wharf, London E14 5NR
    (b) By Email: info@avremit.co.uk or info@avasunion.co.uk or ahnaf.ziad@avasunion.co.uk
We will acknowledge receipt of your complaint within 2 Business Days. We will investigate your complaint and reply within no later than 7 Business Days. If you are not satisfied with the manner in which we have dealt with your complaint, then you may refer the matter to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR, Tel No 0800 0234 567, Email: complaint.info@financial-ombudsman.org.uk.


I. This agreement (together with the documents referred to in it) constitutes the entire agreement between you and us and supersedes and extinguishes all previous arrangements, understandings or agreements between them relating to its subject matter.
II. Each party acknowledges that in entering into this agreement (and any documents referred to in it), it does not rely on, and shall have no remedies in respect of, any statement, representation, assurance or warranty that is not set out in this agreement or those documents.
III. Nothing in this clause shall limit or exclude any liability for fraud.


I. This agreement is made for the benefit of the parties and their successors and permitted assigns and is not intended to benefit, or be enforceable by, anyone else.
II. The rights of the parties to terminate, rescind or agree any variation, waiver or settlement under this agreement are not subject to the consent of any other person.


I. No variation of this agreement shall be effective unless it is in writing and signed by the parties (or their authorised representatives).
II. A waiver of any right or remedy under this agreement or by law is only effective if it is given in writing and is signed by the person waiving such right or remedy. Any such waiver shall apply only to the circumstances for which it is given and shall not be deemed a waiver of any subsequent breach or default.


I. This “Terms & Conditions” is drafted under the English law.
II. Any dispute or claim arising out of or in connection with this agreement or its subject matter or formation shall be resolved by arbitration, governed by and construed in accordance with the law of England and Wales.


Questions, notices, and requests for refunds or further information should be sent to:

Business Operations Unit

Avas Union (UK) Ltd.

Unit 3037, Level 30,

40 Bank Street,

Canary Wharf,

London E14 5NR.