Terms and Conditions
Soni Transfer reserves the right to amend these Terms and Conditions periodically. By using our services, you are deemed to have accepted any amended Terms and Conditions. Please review these Terms and Conditions regularly on our website www.sonitransfer.com.
These Terms and Conditions are governed by and construed in accordance with the laws of United Kingdom. Any disputes or legal matters arising from these terms shall be subject to the exclusive jurisdiction of the courts in UK. Users agree to submit to the jurisdiction of the courts in UK for any disputes or legal proceedings related to Soni Transfer’s services.
Soni Transfer reserves the right to update or amend these Terms and Conditions from time to time. Users will be notified of any changes via:
2.1. Proof of ID: Valid forms include:
2.2. Proof of Address: Acceptable documents:
2.3. Source of Funds: Refers to the origin of funds, which can be demonstrated through bank statements showing income sources such as employment, business earnings, loans, or savings supported by earnings documentation.
2.4. You and/or Yours refers to users of our service.
2.5. Us and/or Ours refers to www.sonitransfer.com
2.6. Website means www.sonitransfer.com.
2.7. Terms refers to terms and conditions as stated herein.
2.8. Compliance with Regulations:
2.8.1. Soni Transfer reserves the right to request additional information or documents as required by HMRC, FCA, or other regulatory authorities to comply with anti-money laundering (AML) and Know Your Customer (KYC) regulations.
2.8.2. By using our services, you agree to provide certified proof of identity (ID) and proof of address as per the regulations outlined by HMRC and FCA. Acceptable forms of ID include but are not limited to:
2.8.3. Your ID must be valid and must not have expired.
3.2. By using our services you agree to supply us with certified proof of ID and proof of address.
3.3. By using our services you agree to supply us with source of funds/money, use and purpose of transaction when called upon to do so.
3.4 We undertake to hold information you supply to us secure, safe and confidentially and not to disclose it to third parties except as outlined on Information we disclose
3.5. Data Protection and GDPR Compliance:
3.5.1. By using our services, you confirm that you understand and agree to comply with all regulatory requirements, including but not limited to anti-money laundering (AML) and Know Your Customer (KYC) regulations, as stipulated by HMRC, FCA, and other relevant authorities.
3.5.2. Soni Transfer undertakes to securely hold and maintain the information you provide, ensuring confidentiality and compliance with data protection laws such as GDPR.
5.3. You have the right to access, correct, and delete your personal data held by Soni Transfer in accordance with GDPR regulations. For inquiries regarding your personal data or to exercise your rights, please contact our Data Protection Officer at please add email and phone number
3.6. We collect information about your transactions with us, including transaction history, such as frequency of use and amounts transferred.
3.7 How we use personal information collected
We use personal information in the course of money transfer, payment and related services and products for the following purposes:
3.7.1. Authorizing and processing your transactions, including effecting and administering money transfers and payments and ensuring proper payment to the designated recipient of funds.
3.7.2. Collecting amounts owing to us, and otherwise enforcing and collecting on your accounts or agreements with us.
3.7.3. Meeting legal, regulatory, risk management, fraud prevention and security requirements, which may include (among other measures) verifying the identity of the sender and recipient of funds and checking identities against money laundering, terrorist financing or similar watch lists established by regulatory agencies. For identity verification purposes, senders and recipients of money transfers or payments may be required to produce valid identification [or consent to verification by other means] before releasing funds.
3.7.4. Maintaining business and transaction records as prescribed by regulatory agencies and generally managing and administering our business.
3.8. Information we disclose
We may disclose your personal information to our affiliates in connection with the purposes as follows:
3.8.1. To Provide Services. In order to process and complete requested money transfers and payments, we may disclose personal information to the recipient of a money transfer or payment, to our local Correspondents at the sender’s or receiver’s location, as applicable, to authorized agents (both at the sender’s and the recipient’s location), and, if applicable, the recipient and any intermediary banks or other financial institutions or financial services companies involved in the transaction or our services.
3.8.2. Service Providers; Soni Transfer may transfer personal information to outside agents or service providers that perform services on our behalf, for example marketing, information technology and/or data hosting or processing services. We take reasonable measures to ensure that personal information that may be processed by these service providers on our behalf is protected and not used or disclosed for purposes other than as directed by us, subject to legal requirements.
3.8.3. Legal, Regulatory, etc. Soni Transfer may disclose your personal information as necessary to meet legal, regulatory, insurance, audit, and security requirements, as permitted or required by law for example disclosures in compliance with suspicious activity reporting requirements under anti-terrorism, anti-money laundering and similar laws and regulations.
Soni Transfer reserves the right to refuse transactions from certain senders or entities and to decline processing transactions that do not comply with UK, UN, EU, or OFAC regulations on sanctions, or if such transactions violate anti-money laundering regulations.
4.1 User Responsibilities and Obligations
By using Soni Transfer’s services, users agree to:
Users are responsible for the accuracy of the information provided and ensuring compliance with legal requirements while using our services.
5. Internet Services and Data Collection:
When you use our online services or mobile apps, we collect information about your activity, such as the domain and host from which you access the Internet, your computer’s Internet address, browser, and operating system details. This information is used to diagnose, administer, and optimize our services.
In addition, when you visit/ use our website and/or mobile apps, we collect information about the domain and host from which you access the Internet; your computer’s Internet address; the browser and operating system software you use; the date and time you access our website and the Internet address of the site from which you linked to our website when you visit us. We use this information to diagnose, administer and optimize our website and web-related services.
When registering or creating an account on our website, we collect your password and login name and other information we may request to identify you, maintain security of our website and verify and control access to your account or online profile. If you make inquiries through the e-mail links, forms or other contact methods provided on our website, these inquiries are forwarded to the relevant office or department and are used to respond to your inquiry and maintain a record of correspondence.
We use Internet technologies like cookies and web beacons to facilitate the services we provide on our websites and your use of our website, including:
A “cookie” is a text file placed on your computer’s hard drive by a web server, which allows for personalization of certain aspects of your visit to that website. “Web beacons” are transparent electronic images placed in the web code that collect non-personal data while visiting a website. Cookies and web beacons can usually be disabled by changing your browser preferences. Your browser usually has documentation on how to disable cookies and web beacons. Note that disabling cookies may limit the performance of www.sonitransfer.com. If cookies are disabled, certain features of our websites may not function properly, and you may not be able to register or use your online account.
At Soni Transfer, we are committed to ensuring the confidentiality, security, and responsible handling of your personal information. Below are detailed explanations of our data retention policies, deletion procedures, customer rights, and data security measures:
6.1 Data Retention Policies and Deletion Procedures:
We adhere to strict data retention policies to ensure that personal information is retained only for as long as necessary for the purposes for which it was collected and in compliance with legal requirements. Your transaction history, account information, and other relevant data are securely maintained for a period of five years from the date of your last transaction. Upon reaching the end of the retention period or upon your request (subject to legal requirements), we securely delete or anonymize your personal data to ensure compliance with data protection principles.
6.2 Customer Rights Regarding Personal Information:
As a Soni Transfer customer, you have the following rights regarding your personal information:
Right to access: You can request access to the personal data we hold about you, including details about how your data is processed and shared.
Right to correction: You can request corrections or updates to your personal data if inaccuracies exist.
Right to withdraw consent: You can withdraw your consent for specific data processing activities at any time, provided it does not affect the legality of prior processing.
Right to deletion: Subject to legal requirements and our data retention policies, you can request the deletion of your personal data.
Right to data portability: You have the right to receive a copy of your personal data in a structured, commonly used, and machine-readable format.
Right to lodge complaints: You can lodge inquiries or complaints regarding our data handling practices with the appropriate regulatory authorities.
6.3 Data Security Measures:
We implement robust technical, organizational, and administrative measures to safeguard your personal information against unauthorized access, disclosure, alteration, or destruction. These measures include:
Encryption protocols: We use strong encryption protocols to protect data during transmission and storage, ensuring that your information remains confidential and secure.
Access controls: We enforce strict access controls to ensure that only authorized personnel have access to sensitive data, and access is granted based on the principle of least privilege.
Regular security audits: We conduct regular security audits and assessments to identify and mitigate potential risks, ensuring that our systems and processes meet industry standards and best practices.
Employee training: Our employees undergo regular training on data protection, privacy best practices, and security awareness to ensure the proper handling and protection of your personal information.
Incident response procedures: We have established incident response procedures to promptly address and mitigate the impact of data breaches or security incidents, including notification procedures as required by law.
Compliance: We comply with industry standards, legal requirements, and regulatory guidelines related to data security and privacy, including but not limited to GDPR, ensuring that your rights and privacy are protected.
Data Security and Breach Notification: Soni Transfer prioritizes the security and protection of user data. In the event of a data breach or security incident that may compromise personal information, we will:
7 Currency Exchange Disclosure
7.1Transfer Fees
Transfer Fees In consideration for the use of the Service, you agree to pay to Soni Transfer a fee for each Money Transfer initiated by you at the applicable rate then in effect (the “Transfer Fee”). The applicable Transfer Fee for your transaction will be provided to you prior to your final authorization of the transaction, in addition to any applicable fees for additional services.
7.2. Currency Exchange – All payments will be made in the currency of the destination country in addition to the transfer fees applicable to this transaction; a currency exchange rate will be applied. Sending currency is converted to foreign currency at an exchange rate set by Soni Transfer. Any difference between the rate given to customers and the rate received by Soni Transfer will be kept by Soni Transfer and in some cases, (its international agents) in addition to the Transfer Fees. For information concerning the current currency exchange rates provided by Soni Transfer to its customers call 01214937802 or check on www.sonitransfer.com.
7.3. Payment Transfer fees and the principal amount are due and payable before Soni Transfer processes the transaction. You must pay for the Service with your Payment Method. If Soni Transfer does not receive your funds or authorization from the Payment Method issuer, the transaction will be processed, and funds will not be transmitted to the Receiver. Soni Transfer assumes no liability for damages resulting from or arising out of non-payment of the Money Transfer by reason of non-receipt of authorization from the Payment Method issuer. Each time you use the Service you agree that Soni Transfer is authorized to charge your designated Payment Method account for the principal amount, the transfer fee and any other applicable fees. (Your agreement with your Payment Method issuer governs use of your Payment Method, and you must refer to that agreement to ascertain your rights and liabilities as a user of your Payment Method, which may include a “cash advance” fee.)
7.4. Currency Exchange and Fees Disclosure:
7.4.1. All payments will be made in the currency of the destination country, and currency exchange rates will be applied. Sending currency is converted to foreign currency at an exchange rate set by Soni Transfer, and any difference between the rates may be retained by Soni Transfer.
7.4.2. Customers can obtain information about current currency exchange rates by contacting Soni Transfer or visiting our website.
10.1. Customer Responsibilities: Customers are responsible for providing accurate information about the beneficiary, including correct names, addresses, bank details, or any other required information. Soni Transfer is not liable for costs incurred due to incorrect information provided by customers.
11.1. Limitation of Liability: Soni Transfer shall not be liable for any damages, losses, or liabilities arising from:
Users agree to indemnify and hold Soni Transfer harmless against any claims or damages arising from the use of our services, except in cases of gross negligence or wilful misconduct on our part.
Soni Transfer is committed to resolving disputes in a fair and timely manner. If you have any disputes or concerns regarding our services, please follow these steps:Contact our customer support team using the provided contact information.
14.1. If you are dissatisfied with our final response to a complaint or if we have not resolved your complaint within the required timescales, you may have the right to refer your complaint to the Financial Ombudsman Service (FOS).
The Financial Ombudsman Service is an independent service for settling disputes between consumers and financial companies. You can contact them at:
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Website: http://www.financial-ombudsman.org.uk/
Referring your complaint to the Financial Ombudsman Service does not affect your right to take legal action if necessary.
15.Customer Support and Contact Information
For any assistance, inquiries, or complaints regarding our services, please contact Soni Transfer using the following methods:
Email: support@sonitransfer.com
Phone: 01215320769
Customer Support email: support@sonitransfer.com
Our customer support team is available to assist you promptly.at the following times:
Monday – Friday 9am – 7pm
Saturday and Sundays 9am – 5pm.
Public Holidays – Closed.
Terms and Conditions
Soni Transfer reserves the right to amend these Terms and Conditions periodically. By using our services, you are deemed to have accepted any amended Terms and Conditions. Please review these Terms and Conditions regularly on our website www.sonitransfer.com.
These Terms and Conditions are governed by and construed in accordance with the laws of United Kingdom. Any disputes or legal matters arising from these terms shall be subject to the exclusive jurisdiction of the courts in UK. Users agree to submit to the jurisdiction of the courts in UK for any disputes or legal proceedings related to Soni Transfer’s services.
Soni Transfer reserves the right to update or amend these Terms and Conditions from time to time. Users will be notified of any changes via:
2.1. Proof of ID: Valid forms include:
2.2. Proof of Address: Acceptable documents:
2.3. Source of Funds: Refers to the origin of funds, which can be demonstrated through bank statements showing income sources such as employment, business earnings, loans, or savings supported by earnings documentation.
2.4. You and/or Yours refers to users of our service.
2.5. Us and/or Ours refers to www.sonitransfer.com
2.6. Website means www.sonitransfer.com.
2.7. Terms refers to terms and conditions as stated herein.
2.8. Compliance with Regulations:
2.8.1. Soni Transfer reserves the right to request additional information or documents as required by HMRC, FCA, or other regulatory authorities to comply with anti-money laundering (AML) and Know Your Customer (KYC) regulations.
2.8.2. By using our services, you agree to provide certified proof of identity (ID) and proof of address as per the regulations outlined by HMRC and FCA. Acceptable forms of ID include but are not limited to:
2.8.3. Your ID must be valid and must not have expired.
3.2. By using our services you agree to supply us with certified proof of ID and proof of address.
3.3. By using our services you agree to supply us with source of funds/money, use and purpose of transaction when called upon to do so.
3.4 We undertake to hold information you supply to us secure, safe and confidentially and not to disclose it to third parties except as outlined on Information we disclose
3.5. Data Protection and GDPR Compliance:
3.5.1. By using our services, you confirm that you understand and agree to comply with all regulatory requirements, including but not limited to anti-money laundering (AML) and Know Your Customer (KYC) regulations, as stipulated by HMRC, FCA, and other relevant authorities.
3.5.2. Soni Transfer undertakes to securely hold and maintain the information you provide, ensuring confidentiality and compliance with data protection laws such as GDPR.
5.3. You have the right to access, correct, and delete your personal data held by Soni Transfer in accordance with GDPR regulations. For inquiries regarding your personal data or to exercise your rights, please contact our Data Protection Officer at please add email and phone number
3.6. We collect information about your transactions with us, including transaction history, such as frequency of use and amounts transferred.
3.7 How we use personal information collected
We use personal information in the course of money transfer, payment and related services and products for the following purposes:
3.7.1. Authorizing and processing your transactions, including effecting and administering money transfers and payments and ensuring proper payment to the designated recipient of funds.
3.7.2. Collecting amounts owing to us, and otherwise enforcing and collecting on your accounts or agreements with us.
3.7.3. Meeting legal, regulatory, risk management, fraud prevention and security requirements, which may include (among other measures) verifying the identity of the sender and recipient of funds and checking identities against money laundering, terrorist financing or similar watch lists established by regulatory agencies. For identity verification purposes, senders and recipients of money transfers or payments may be required to produce valid identification [or consent to verification by other means] before releasing funds.
3.7.4. Maintaining business and transaction records as prescribed by regulatory agencies and generally managing and administering our business.
3.8. Information we disclose
We may disclose your personal information to our affiliates in connection with the purposes as follows:
3.8.1. To Provide Services. In order to process and complete requested money transfers and payments, we may disclose personal information to the recipient of a money transfer or payment, to our local Correspondents at the sender’s or receiver’s location, as applicable, to authorized agents (both at the sender’s and the recipient’s location), and, if applicable, the recipient and any intermediary banks or other financial institutions or financial services companies involved in the transaction or our services.
3.8.2. Service Providers; Soni Transfer may transfer personal information to outside agents or service providers that perform services on our behalf, for example marketing, information technology and/or data hosting or processing services. We take reasonable measures to ensure that personal information that may be processed by these service providers on our behalf is protected and not used or disclosed for purposes other than as directed by us, subject to legal requirements.
3.8.3. Legal, Regulatory, etc. Soni Transfer may disclose your personal information as necessary to meet legal, regulatory, insurance, audit, and security requirements, as permitted or required by law for example disclosures in compliance with suspicious activity reporting requirements under anti-terrorism, anti-money laundering and similar laws and regulations.
Soni Transfer reserves the right to refuse transactions from certain senders or entities and to decline processing transactions that do not comply with UK, UN, EU, or OFAC regulations on sanctions, or if such transactions violate anti-money laundering regulations.
4.1 User Responsibilities and Obligations
By using Soni Transfer’s services, users agree to:
Users are responsible for the accuracy of the information provided and ensuring compliance with legal requirements while using our services.
5. Internet Services and Data Collection:
When you use our online services or mobile apps, we collect information about your activity, such as the domain and host from which you access the Internet, your computer’s Internet address, browser, and operating system details. This information is used to diagnose, administer, and optimize our services.
In addition, when you visit/ use our website and/or mobile apps, we collect information about the domain and host from which you access the Internet; your computer’s Internet address; the browser and operating system software you use; the date and time you access our website and the Internet address of the site from which you linked to our website when you visit us. We use this information to diagnose, administer and optimize our website and web-related services.
When registering or creating an account on our website, we collect your password and login name and other information we may request to identify you, maintain security of our website and verify and control access to your account or online profile. If you make inquiries through the e-mail links, forms or other contact methods provided on our website, these inquiries are forwarded to the relevant office or department and are used to respond to your inquiry and maintain a record of correspondence.
We use Internet technologies like cookies and web beacons to facilitate the services we provide on our websites and your use of our website, including:
A “cookie” is a text file placed on your computer’s hard drive by a web server, which allows for personalization of certain aspects of your visit to that website. “Web beacons” are transparent electronic images placed in the web code that collect non-personal data while visiting a website. Cookies and web beacons can usually be disabled by changing your browser preferences. Your browser usually has documentation on how to disable cookies and web beacons. Note that disabling cookies may limit the performance of www.sonitransfer.com. If cookies are disabled, certain features of our websites may not function properly, and you may not be able to register or use your online account.
At Soni Transfer, we are committed to ensuring the confidentiality, security, and responsible handling of your personal information. Below are detailed explanations of our data retention policies, deletion procedures, customer rights, and data security measures:
6.1 Data Retention Policies and Deletion Procedures:
We adhere to strict data retention policies to ensure that personal information is retained only for as long as necessary for the purposes for which it was collected and in compliance with legal requirements. Your transaction history, account information, and other relevant data are securely maintained for a period of five years from the date of your last transaction. Upon reaching the end of the retention period or upon your request (subject to legal requirements), we securely delete or anonymize your personal data to ensure compliance with data protection principles.
6.2 Customer Rights Regarding Personal Information:
As a Soni Transfer customer, you have the following rights regarding your personal information:
Right to access: You can request access to the personal data we hold about you, including details about how your data is processed and shared.
Right to correction: You can request corrections or updates to your personal data if inaccuracies exist.
Right to withdraw consent: You can withdraw your consent for specific data processing activities at any time, provided it does not affect the legality of prior processing.
Right to deletion: Subject to legal requirements and our data retention policies, you can request the deletion of your personal data.
Right to data portability: You have the right to receive a copy of your personal data in a structured, commonly used, and machine-readable format.
Right to lodge complaints: You can lodge inquiries or complaints regarding our data handling practices with the appropriate regulatory authorities.
6.3 Data Security Measures:
We implement robust technical, organizational, and administrative measures to safeguard your personal information against unauthorized access, disclosure, alteration, or destruction. These measures include:
Encryption protocols: We use strong encryption protocols to protect data during transmission and storage, ensuring that your information remains confidential and secure.
Access controls: We enforce strict access controls to ensure that only authorized personnel have access to sensitive data, and access is granted based on the principle of least privilege.
Regular security audits: We conduct regular security audits and assessments to identify and mitigate potential risks, ensuring that our systems and processes meet industry standards and best practices.
Employee training: Our employees undergo regular training on data protection, privacy best practices, and security awareness to ensure the proper handling and protection of your personal information.
Incident response procedures: We have established incident response procedures to promptly address and mitigate the impact of data breaches or security incidents, including notification procedures as required by law.
Compliance: We comply with industry standards, legal requirements, and regulatory guidelines related to data security and privacy, including but not limited to GDPR, ensuring that your rights and privacy are protected.
Data Security and Breach Notification: Soni Transfer prioritizes the security and protection of user data. In the event of a data breach or security incident that may compromise personal information, we will:
7 Currency Exchange Disclosure
7.1Transfer Fees
Transfer Fees In consideration for the use of the Service, you agree to pay to Soni Transfer a fee for each Money Transfer initiated by you at the applicable rate then in effect (the “Transfer Fee”). The applicable Transfer Fee for your transaction will be provided to you prior to your final authorization of the transaction, in addition to any applicable fees for additional services.
7.2. Currency Exchange – All payments will be made in the currency of the destination country in addition to the transfer fees applicable to this transaction; a currency exchange rate will be applied. Sending currency is converted to foreign currency at an exchange rate set by Soni Transfer. Any difference between the rate given to customers and the rate received by Soni Transfer will be kept by Soni Transfer and in some cases, (its international agents) in addition to the Transfer Fees. For information concerning the current currency exchange rates provided by Soni Transfer to its customers call 01214937802 or check on www.sonitransfer.com.
7.3. Payment Transfer fees and the principal amount are due and payable before Soni Transfer processes the transaction. You must pay for the Service with your Payment Method. If Soni Transfer does not receive your funds or authorization from the Payment Method issuer, the transaction will be processed, and funds will not be transmitted to the Receiver. Soni Transfer assumes no liability for damages resulting from or arising out of non-payment of the Money Transfer by reason of non-receipt of authorization from the Payment Method issuer. Each time you use the Service you agree that Soni Transfer is authorized to charge your designated Payment Method account for the principal amount, the transfer fee and any other applicable fees. (Your agreement with your Payment Method issuer governs use of your Payment Method, and you must refer to that agreement to ascertain your rights and liabilities as a user of your Payment Method, which may include a “cash advance” fee.)
7.4. Currency Exchange and Fees Disclosure:
7.4.1. All payments will be made in the currency of the destination country, and currency exchange rates will be applied. Sending currency is converted to foreign currency at an exchange rate set by Soni Transfer, and any difference between the rates may be retained by Soni Transfer.
7.4.2. Customers can obtain information about current currency exchange rates by contacting Soni Transfer or visiting our website.
10.1. Customer Responsibilities: Customers are responsible for providing accurate information about the beneficiary, including correct names, addresses, bank details, or any other required information. Soni Transfer is not liable for costs incurred due to incorrect information provided by customers.
11.1. Limitation of Liability: Soni Transfer shall not be liable for any damages, losses, or liabilities arising from:
Users agree to indemnify and hold Soni Transfer harmless against any claims or damages arising from the use of our services, except in cases of gross negligence or wilful misconduct on our part.
Soni Transfer is committed to resolving disputes in a fair and timely manner. If you have any disputes or concerns regarding our services, please follow these steps:Contact our customer support team using the provided contact information.
14.1. If you are dissatisfied with our final response to a complaint or if we have not resolved your complaint within the required timescales, you may have the right to refer your complaint to the Financial Ombudsman Service (FOS).
The Financial Ombudsman Service is an independent service for settling disputes between consumers and financial companies. You can contact them at:
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Website: http://www.financial-ombudsman.org.uk/
Referring your complaint to the Financial Ombudsman Service does not affect your right to take legal action if necessary.
15.Customer Support and Contact Information
For any assistance, inquiries, or complaints regarding our services, please contact Soni Transfer using the following methods:
Email: support@sonitransfer.com
Phone: 01215320769
Customer Support email: support@sonitransfer.com
Our customer support team is available to assist you promptly.at the following times:
Monday – Friday 9am – 7pm
Saturday and Sundays 9am – 5pm.
Public Holidays – Closed.
Soni Transfer is regulated by The UK Financial Conduct Authority (FCA firm reference number 798474) and is registered with the HMRC for anti-money laundering purposes (Registration number XWML00000122633). We are also bound by the data protection act 1998 (Registration number ZA499115) – Your data is safe with us. Copyright Soni Transfer 2025. All Rights Reserved.
Soni Transfer’s payment services in the European Economic Area (EEA) territory are provided through a white-label partnership with Mi Envio Entidad de Pago S.L., (Tax ID B91129726). A payment institution licensed and under the supervision of the Bank of Spain, registration no. 6926, with passport rights to operate in all EEA countries in accordance with PSD2 (Directive (EU) 2015/2366).
