Terms and Conditions

K2 FX is a trading name of K2 Currencies Limited, a company registered in England and Wales (registered no. 16087764).
Registered address:

K2 FX provides FX transactions in partnership with Currency Cloud and Equals Connect. You can read their Terms and Conditions here:

Currency Cloud: https://onboarding.paydirect.io/currencycloud/terms_and_conditions
Equals Connect https://k2fx.equalsconnect.com/privacy-policy

Last Updated: 30th of January 2025

Interpretation and Definitions

Interpretation
Words with capitalized initial letters have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or plural.

Definitions
- Account: A unique account created for You to access our Service or parts of our Service.
- Company: Refers to K2 Currencies Limited, trading as K2 FX, registered in England and Wales (no. 16087764), with its registered office at Adam House, 7-10 Adam Street, London WC2N 6AA.
- Cookies: Small files placed on Your Device by a website, containing details of Your browsing history.
- Country: United Kingdom.
- Device: Any device that can access the Service, such as a computer, smartphone, or tablet.
- Personal Data: Any information that relates to an identified or identifiable individual.
- Service: Refers to the Website.
- Service Provider: Any entity processing data on behalf of the Company.
- Usage Data: Data collected automatically, such as IP address, browser type, and pages visited.
- Website: Refers to K2 FX, accessible at www.k2-fx.com.
- You: The individual accessing or using the Service.

Collecting and Using Your Personal Data

Types of Data Collected
- Personal Data: Includes email address, first and last name, phone number.
- Usage Data: Includes IP address, browser type, pages visited, and session duration.

Cookies and Tracking Technologies

We use Cookies and similar tracking technologies to track activity on Our Website and store certain information. These include:
- Cookies or Browser Cookies: Small files placed on Your Device.
- Web Beacons: Electronic files that track engagement with emails and webpages.

Types of Cookies We Use:
- Necessary Cookies: Essential for Website functionality.
- Preference Cookies: Remember settings and preferences.
- Analytics Cookies: Help Us understand how users interact with the Website.
- Marketing Cookies: Deliver targeted advertisements.

Use of Your Personal Data

We use Personal Data for:
- Providing and maintaining Our Service.
- Managing Your Account.
- Contract performance.
- Contacting You regarding updates and security notices.
- Marketing communications unless You opt out.
- Business analysis and service improvement.

Sharing Your Personal Data

Your personal information may be shared in the following scenarios:
- With Service Providers: For website hosting, analytics, and other services.
- For legal reasons: If required by law or legal processes.
- For security purposes: To protect Our rights, prevent fraud, or investigate security incidents.

Data Retention

We retain Personal Data only as long as necessary. Usage Data is retained for a shorter period unless required for security or compliance purposes.

Data Transfers

We process Personal Data within the UK and EEA and do not transfer Your data outside of these jurisdictions.

Security of Your Personal Data

We take reasonable steps to protect Your Personal Data. However, no method of transmission over the Internet or electronic storage is 100% secure.

Your Data Protection Rights

You have the following rights:
- Access: Request a copy of Your data.
- Correction: Request corrections to inaccurate or incomplete data.
- Erasure: Request deletion of Your data, subject to legal obligations.
- Objection to processing: Restrict or object to data processing.
- Data portability: Request data in a machine-readable format.

To exercise any of these rights, contact info@k2-fx.com.

Third-Party Links

Our Website may contain links to external websites. We are not responsible for their content, privacy policies, or practices.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted on Our Website with the "Last Updated" date revised accordingly.

Contact Us

If You have any questions about this Privacy Policy, contact Us at:
- Email: info@k2-fx.com
- Website: www.k2-fx.com

Cookie Policy

Controlling your personal information

You may choose to restrict the collection or use of your personal information in the following ways:

* whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes

* if you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to or emailing us at info@k2-fx.com

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties, which we think you may find interesting if you tell us that you wish this to happen.

You may request details of personal information which we hold about you under the Data Protection Act 1998. If you would like a copy of the information held on you please write to the Data Control Officer who can be e-mailed using the following address: info@k2-fx.com

If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible, at the above address. We will promptly correct any information found to be incorrect.

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How we use cookies

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration. This is statistical data about our users’ browsing actions and patterns, and does not identify any individual.

We may disclose the data we collect through cookies to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 159 of the UK Companies Act 2006.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. Cookies may assist us with allowing you to participate in interactive features we may have on our website. The cookies would assist only if you choose to participate in the interactive features. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser settings to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

We take your privacy very seriously and comply with the recent UK and EU law on handling cookies and provide (you) the user with means to remove such cookies or prevent your computer from accepting them in the future.

Security

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Changes to our privacy policy

Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.

Safeguarding Policy

When funds are posted to your account, in line with regulatory requirements, the regulated payment/e-money institutions who we work with safeguard your funds. This means that the funds shown in your payment account or e-wallet are held at reputable banks or covered by an insurance policy, and most importantly, are protected for you in the event of our partner e-money/payment institutions’, or our, insolvency. Our partners stop safeguarding your funds when the money has been paid out of your account to your beneficiary’s account. If you require a breakdown of the exact amounts of funds you have safeguarded at each of our e-money/payments partners at a particular point in time, please do not hesitate to contact us.

For any further information, please email info@k2-fx.com

Complaints procedure

K2 FX’s mission is to be a trusted and valued business partner, we are here to serve our customers and provide an exceptional service when it comes to moving money internationally and mitigating risk in a volatile market. While we take great pride in doing the best job for you, we understand that sometimes not everyone is happy.

We value your feedback, even complaints, because it gives us an opportunity to do what we do, better.

What is a complaint?
You may have a complaint if you are unhappy with the provision (or failure of provision) of our services, or those provided by one of our suppliers, which has resulted in (or may result in) financial loss, material distress or material inconvenience.

We take every complaint very seriously and will endeavour to answer client complaints within 15 business days following receipt of the complaint. However, in exceptional circumstances we may be required to perform additional investigations into your complaint. In these circumstances we will issue a holding response within 15 business days and a final response will be issued to the client no later than 35 business days after the complaint has been received.

Our Procedure

We are your first port of call for any queries or concerns, including complaints. We will handle these complaints in line with our complaints process.

To make an official complaint, please send an email with as much detail as possible to info@k2fx.com.

When making a complaint, please outline the following information:

The date of the complaint
The nature of your complaint
The impact on your business
Your contact details
Any additional information

We work with e-money and payments institution partners in providing you with our service, namely Currencycloud and Equals PLC.

Currencycloud, ultimately provides you with transactional services, regulated payments and e-money services in [UK/EU/US].

Equals PLC provides you with transactional services, regulated payments and e-money services in [UK/EU].

These partners have certain obligations as regulated financial services institutions, including around complaints. We keep them informed of the complaints we receive from you regarding the regulated payments and e-money services they ultimately provide to you.

They oversee how we handle complaints to ensure we do this to the standard required under the regulations. However, if for any reason your complaint regarding your payments and e-money services has not been acknowledged or dealt with by us, or if you have concerns about the way it has been handled, Currencycloud’s complaints information can be found here:https://www.currencycloud.com/legal/complaints-procedure/

With Equals PLC they can be found here: https://www.equalsconnect.com/home/complaints-policy

For any further information, please email info@k2-fx.com.