TERMS & CONDITIONS / TERMS OF USE

Last updated: 13 August 2026

These Terms & Conditions / Terms of Use («Terms») govern your access to and use of the ESCALO website and related online content operated by Finance Act Limited, trading as ESCALO.

Please read these Terms carefully before using our website.

By accessing or using the website, you acknowledge that you have read and understood these Terms and agree to comply with them.

If you do not agree with these Terms, you should not use the website.

1. About ESCALO

The website is operated by:

Finance Act Limited
Trading as: ESCALO
Company number: 16839569
Registered office:

58 Oswald Terrace
Sunderland
England
SR2 9RP

References in these Terms to «ESCALO», «we», «us» or «our» mean Finance Act Limited trading as ESCALO.

References to «you» or «your» mean any person accessing or using the website.

2. About These Terms

These Terms govern your use of:

• the ESCALO website;
• pages and content made available through the website;
• online forms and enquiry functions;
• information concerning ESCALO’s products, services and technology;
• other online functionality made available through the website.

These Terms do not necessarily constitute the contractual terms governing a specific financial, payment, trading, liquidity, settlement, technology or other service provided by ESCALO.

Where you enter into a separate agreement with ESCALO, that agreement will govern the relevant services and will take precedence over these Terms to the extent of any conflict.

Such agreements may include:

• customer agreements;
• service agreements;
• platform agreements;
• payment service agreements;
• commercial agreements;
• statements of work;
• onboarding documentation;
• account terms;
• other written agreements or documents applicable to a particular service.

3. Website Use

You may use the website only for lawful purposes and in accordance with these Terms.

You agree not to use the website:

• for any unlawful purpose;
• to violate applicable laws or regulations;
• to commit or facilitate fraud;
• to impersonate another person or organisation;
• to attempt to gain unauthorised access to systems or accounts;
• to interfere with the operation or security of the website;
• to introduce malicious code, malware or harmful software;
• to scrape or systematically extract information without our prior written permission;
• to overload, disrupt or damage our systems;
• to circumvent security measures;
• to use automated systems in a manner that adversely affects the website;
• to interfere with another person’s use of the website;
• to use our website in connection with activities that we reasonably believe present unacceptable legal, regulatory, financial or reputational risk.

You are responsible for ensuring that your use of the website complies with all laws and regulations applicable to you.

4. Website Information

The information published on the website is provided for general informational and business purposes.

We seek to ensure that website information is accurate and reasonably up to date, but we do not guarantee that every item of information will always be:

• complete;
• accurate;
• current;
• error-free;
• suitable for a particular purpose;
• continuously available.

Information may change without notice.

We may update, amend, remove or replace website content at any time.

The fact that information is published on the website does not mean that it is suitable for your particular circumstances.

You should obtain appropriate professional advice before making decisions based on information published on the website where such advice is necessary.

5. Financial and Investment Information

ESCALO’s website may contain information concerning:

• financial technology;
• payment infrastructure;
• liquidity;
• payment operations;
• trading and market activity;
• P2P markets;
• transaction routing;
• financial operations;
• currencies;
• settlement;
• risk management;
• analytics;
• financial infrastructure.

Unless expressly stated otherwise in a separate written agreement or regulatory disclosure, website content is provided for general informational purposes only.

Nothing on the website should be interpreted as:

• investment advice;
• financial advice;
• tax advice;
• legal advice;
• accounting advice;
• an offer to buy or sell financial instruments;
• a recommendation to enter into a particular transaction;
• a guarantee of financial performance;
• a guarantee of profitability;
• a guarantee that a particular market opportunity will remain available.

Past performance, examples, illustrations, projections or descriptions of market activity do not guarantee future results.

Users should independently evaluate any financial decision and obtain professional advice where appropriate.

6. P2P and Trading Information

Certain areas of the ESCALO website may describe P2P trading, market opportunities, liquidity management, exchange activity, payment routes or related operational processes.

Descriptions of these activities are intended to explain the way our technology, infrastructure or operations may work.

They should not be interpreted as a promise that:

• a particular spread will exist;
• a particular transaction will be executable;
• sufficient liquidity will always be available;
• a particular counterparty will be available;
• a particular exchange rate will be available;
• a particular return will be achieved;
• a transaction will complete within a particular period.

Market conditions may change rapidly.

Liquidity, pricing, counterparty availability, transaction limits, fees, compliance requirements and settlement conditions may change at any time.

Where ESCALO provides a specific trading or payment service, the applicable contractual documentation and service-specific terms will determine the rights and obligations of the parties.

7. No General Offer of Services

Information published on the website does not, by itself, constitute an offer by ESCALO to provide services.

A service relationship may require:

• an application;
• onboarding;
• identity verification;
• business verification;
• compliance checks;
• risk assessment;
• approval;
• execution of a separate agreement;
• satisfaction of applicable legal and regulatory requirements.

ESCALO reserves the right to decline an application, transaction, relationship or service request where permitted by law and applicable contractual arrangements.

8. Eligibility

You may use the website only if you are legally capable of entering into a binding agreement under applicable law.

If you use the website on behalf of a company, partnership or other organisation, you confirm that you have authority to act on behalf of that organisation.

You must not use the website where such use would violate applicable laws or restrictions in your jurisdiction.

Certain ESCALO services may be subject to additional eligibility requirements.

9. Customer and Business Onboarding

Where you apply to become a customer, partner or service user, ESCALO may require information necessary to evaluate and establish the relationship.

This may include:

• identity information;
• corporate information;
• beneficial ownership information;
• business activity;
• source-of-funds information;
• source-of-wealth information;
• transaction information;
• compliance documentation;
• identification documents;
• information required for risk assessment.

You agree to provide information that is accurate, complete and not misleading.

You must notify ESCALO if relevant information changes.

ESCALO may suspend or decline onboarding where information is incomplete, inaccurate, inconsistent or cannot be adequately verified.

10. Compliance, AML and KYC

ESCALO may apply compliance procedures designed to meet applicable legal, regulatory and risk-management requirements.

Depending on the nature of the relationship or transaction, these procedures may include:

• Know Your Customer checks;
• business verification;
• identity verification;
• beneficial ownership checks;
• sanctions screening;
• fraud prevention;
• transaction monitoring;
• source-of-funds checks;
• source-of-wealth checks;
• adverse media screening;
• risk assessment.

You agree to cooperate with reasonable compliance requests.

ESCALO may delay, restrict, reject, suspend or terminate access to a service where required or permitted by law, regulation, contractual terms or internal risk controls.

Where legally permitted, ESCALO may not be able to disclose the full reason for certain compliance-related actions.

11. Transactions and Payment Operations

Where ESCALO provides or facilitates a transaction-related service under a separate agreement, transactions may be subject to:

• applicable service terms;
• transaction limits;
• available liquidity;
• payment provider availability;
• banking availability;
• compliance checks;
• fraud controls;
• settlement requirements;
• technical availability;
• third-party processing;
• applicable fees;
• market conditions.

A transaction may be delayed, rejected, cancelled, reversed or otherwise affected by circumstances outside ESCALO’s direct control.

Where applicable, the specific agreement governing the service will establish the procedures and responsibilities relating to transactions.

12. Third-Party Services

ESCALO may integrate with or rely on third-party services, infrastructure and providers.

These may include:

• banks;
• payment institutions;
• electronic money institutions;
• exchanges;
• payment processors;
• technology providers;
• identity verification providers;
• compliance providers;
• cloud infrastructure providers;
• communication providers;
• analytics providers.

Third-party services may have their own terms, policies, limitations and availability requirements.

ESCALO does not necessarily control third-party systems and cannot guarantee their uninterrupted availability or performance.

Where a third party’s terms apply to a particular service, you may also be required to comply with those terms.

13. Website Availability

We aim to keep the website available and functional, but we do not guarantee uninterrupted availability.

The website may occasionally be unavailable due to:

• maintenance;
• upgrades;
• technical failures;
• cybersecurity incidents;
• infrastructure problems;
• telecommunications failures;
• third-party service interruptions;
• power failures;
• events outside our reasonable control.

We may suspend or restrict access to all or part of the website where reasonably necessary to maintain security, perform maintenance or protect our systems.

14. Security

You must not attempt to compromise the security of the website or any connected system.

This includes attempting to:

• obtain unauthorised access;
• bypass authentication;
• access restricted areas;
• interfere with security controls;
• introduce malicious software;
• conduct denial-of-service attacks;
• scan or probe systems without authorisation;
• exploit vulnerabilities without permission;
• obtain another user’s credentials.

If you identify a potential security vulnerability, you should report it to ESCALO through an appropriate communication channel rather than attempting to exploit it.

15. Intellectual Property

Unless otherwise stated, all intellectual property rights in the website and its content belong to ESCALO or its licensors.

This may include:

• website design;
• software;
• source code;
• databases;
• text;
• graphics;
• photographs;
• illustrations;
• logos;
• trademarks;
• icons;
• interfaces;
• layouts;
• documents;
• videos;
• animations;
• data compilations;
• other website materials.

The ESCALO name, logo and associated branding may not be copied, reproduced, modified or used without prior written permission, except where permitted by applicable law.

16. Limited Permission to Use Website Content

Subject to these Terms, ESCALO grants you a limited, non-exclusive, non-transferable and revocable permission to access and use the website for legitimate personal or business purposes.

You may view, download or print reasonable portions of publicly available website content for your own lawful reference, provided that you do not:

• remove copyright or proprietary notices;
• modify the content;
• reproduce substantial portions of the website;
• commercially exploit the content;
• create derivative works;
• redistribute the content;
• imply endorsement by ESCALO;
• use the content to create a competing service.

This permission automatically ends if you breach these Terms.

17. Trademarks

ESCALO and associated names, logos and branding elements may constitute trademarks or other protected intellectual property.

Nothing in these Terms grants you a licence to use ESCALO trademarks except where expressly permitted.

Unauthorised use of our branding may constitute an infringement of applicable intellectual property rights.

18. User-Submitted Information

If you submit information through the website, including through enquiry forms or other communication channels, you must ensure that the information is:

• accurate;
• lawful;
• not misleading;
• not defamatory;
• not fraudulent;
• not infringing the rights of another person.

You must not submit information that contains malicious software or material designed to compromise our systems.

Where you provide information relating to another person, you should ensure that you have a lawful basis or appropriate authority to provide that information.

Personal data will be processed in accordance with our Privacy Policy.

19. Confidential Information

The website may contain information that is publicly available and information that may be provided to users through restricted areas or business communications.

Confidential information provided under a separate agreement will be governed by the confidentiality provisions of that agreement.

Nothing in these Terms requires ESCALO to disclose confidential, commercially sensitive or legally protected information.

20. Links to Third-Party Websites

The website may contain links to third-party websites or services.

These links are provided for convenience or informational purposes.

ESCALO does not control third-party websites and is not responsible for:

• their content;
• accuracy;
• availability;
• security;
• privacy practices;
• terms;
• products or services.

You access third-party websites at your own risk.

You should review the relevant third party’s terms and privacy documentation before using its services.

21. Links to ESCALO

You may link to publicly available pages of the ESCALO website provided that the link:

• is lawful;
• is accurate;
• does not misrepresent your relationship with ESCALO;
• does not imply endorsement;
• does not damage ESCALO’s reputation;
• does not frame or reproduce our website in a misleading manner.

ESCALO may request that a link be removed where it considers the link inappropriate or misleading.

22. Prohibited Activities

You must not use the website to:

• commit fraud;
• facilitate money laundering;
• finance terrorism;
• evade sanctions;
• engage in unlawful financial activity;
• impersonate another person;
• submit false information;
• manipulate or interfere with transactions;
• exploit vulnerabilities;
• interfere with website availability;
• distribute malware;
• infringe intellectual property rights;
• violate privacy rights;
• engage in harassment or abusive conduct;
• facilitate unlawful activity;
• circumvent applicable compliance controls.

ESCALO may take appropriate action where it reasonably believes that prohibited activity has occurred.

23. Suspension and Termination

We may suspend or terminate your access to the website where reasonably necessary, including where:

• you breach these Terms;
• you use the website unlawfully;
• you attempt to compromise our systems;
• you provide materially false or misleading information;
• continued access creates a security risk;
• continued access creates legal or regulatory risk;
• we discontinue the relevant website or service;
• we are required to do so by law or a competent authority.

Where appropriate and legally permitted, we may provide notice before suspension or termination.

Certain provisions of these Terms will continue to apply after termination, including provisions concerning intellectual property, confidentiality, liability, governing law and dispute resolution.

24. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the website and its publicly available content are provided on an «as available» basis.

ESCALO does not warrant that:

• the website will always be available;
• the website will be free from errors;
• the website will be free from viruses or harmful components;
• information will always be complete or current;
• information will be suitable for your particular circumstances;
• the website will meet your individual requirements;
• third-party services will remain available;
• any market opportunity described on the website will remain available;
• any financial result will be achieved.

Nothing in these Terms excludes or limits any warranty, condition, right or remedy that cannot lawfully be excluded or limited.

25. Limitation of Liability

Nothing in these Terms excludes or limits liability where it would be unlawful to do so.

This includes liability for:

• death or personal injury caused by negligence;
• fraud or fraudulent misrepresentation;
• liability that cannot legally be excluded or limited.

Subject to the above, and to the maximum extent permitted by law, ESCALO will not be liable for indirect, incidental, special or consequential loss arising from your use of the website.

This may include, where legally permitted:

• loss of profits;
• loss of revenue;
• loss of anticipated savings;
• loss of business opportunity;
• loss of goodwill;
• loss of data;
• business interruption.

Nothing in this section limits liability arising under a separate agreement where that agreement contains different liability provisions.

Where you are a consumer, nothing in these Terms is intended to restrict your statutory rights or protections that cannot lawfully be excluded or limited.

26. No Guarantee of Financial Performance

ESCALO does not guarantee financial performance, trading profitability, transaction success, market availability or any specific financial outcome.

Any examples, illustrations, historical figures, estimated returns, spreads, transaction volumes or other performance information shown on the website are illustrative unless expressly stated otherwise.

Actual results may differ materially.

Financial markets and payment environments can change rapidly, and past performance is not an indication of future performance.

27. Force Majeure

ESCALO will not be responsible for failure or delay in performing an obligation where the failure or delay results from circumstances beyond our reasonable control.

Such circumstances may include:

• natural disasters;
• war;
• terrorism;
• civil unrest;
• government action;
• sanctions;
• regulatory intervention;
• banking disruption;
• payment network disruption;
• telecommunications failure;
• internet infrastructure failure;
• cybersecurity incidents;
• widespread technical failures;
• power outages;
• failures of third-party infrastructure;
• labour disputes;
• epidemics or pandemics;
• other events beyond our reasonable control.

Where reasonably possible, ESCALO will take appropriate steps to mitigate the effects of such events.

28. Changes to the Website

We may change, suspend, discontinue or modify any part of the website at any time.

We may also introduce new functionality, remove functionality, modify content or change the way particular features operate.

Changes to the website do not automatically change the terms of any separate contract between ESCALO and a customer unless the applicable contract permits such changes.

29. Changes to These Terms

We may update these Terms from time to time.

Changes may be made to reflect:

• changes in our business;
• changes to our services;
• changes to technology;
• changes in applicable law;
• regulatory developments;
• security requirements;
• changes to website functionality.

The updated version will be published on the website with a revised «Last updated» date.

Where a change materially affects an existing contractual relationship, the relevant contractual agreement will determine whether and how notice must be provided.

Your continued use of the website after updated Terms become effective constitutes acceptance of the updated Terms to the extent permitted by law.

30. Privacy

Your use of the website may involve the processing of personal data.

Our processing of personal data is described in our Privacy Policy.

Our Privacy Policy forms part of the overall framework governing your interaction with ESCALO but does not replace these Terms.

Where appropriate, cookies and similar technologies are governed by our Cookie Policy.

31. Complaints

If you have a complaint regarding the website or ESCALO’s services, please contact us first so that we can investigate the matter.

Complaints should be sent to:

support@escalo.uk

Please include:

• your name;
• company name, where applicable;
• relevant account or reference number, where applicable;
• a description of the issue;
• relevant dates;
• supporting information;
• the outcome you are seeking.

Certain services may be subject to a separate complaints procedure.

Where a separate complaints procedure applies, that procedure may take precedence over this general website complaints process.

32. Governing Law

These Terms and any dispute or claim arising out of or in connection with them shall be governed by the laws of England and Wales, unless applicable mandatory law requires otherwise.

Nothing in this clause deprives a consumer of any mandatory protection or legal rights that apply in their place of residence and cannot lawfully be excluded.

33. Jurisdiction

Subject to applicable mandatory law, the courts of England and Wales shall have jurisdiction in relation to disputes arising out of or in connection with these Terms.

Where you are a consumer, you may also have rights to bring proceedings in the courts of another jurisdiction where applicable law permits.

34. Severability

If any provision of these Terms is found to be unlawful, invalid or unenforceable, that provision shall be interpreted or modified to the minimum extent necessary to make it lawful and enforceable where possible.

If modification is not possible, the relevant provision shall be treated as deleted.

The remaining provisions shall continue in full force and effect.

35. No Waiver

If ESCALO does not immediately enforce a provision of these Terms, this does not mean that ESCALO has waived its right to enforce that provision later.

A waiver will only be effective where expressly given in writing by an authorised representative of ESCALO.

36. Assignment

You may not transfer, assign or otherwise dispose of your rights or obligations under these Terms without our prior written consent where such consent is required.

ESCALO may transfer or assign its rights and obligations where reasonably necessary in connection with:

• a corporate restructuring;
• merger;
• acquisition;
• sale of assets;
• financing;
• reorganisation;
• transfer of a business or service;
• another legitimate corporate transaction.

Where required by law, we will provide appropriate notice.

37. Entire Agreement

These Terms constitute the agreement between you and ESCALO concerning your use of the website.

They do not replace or override a separate written agreement governing specific services.

Where you have entered into a separate agreement with ESCALO, that agreement will govern the relevant services.

If there is a conflict between these Terms and a specific service agreement, the specific service agreement will prevail in relation to that service.

38. Third-Party Rights

Unless expressly stated otherwise, a person who is not a party to these Terms shall not have rights to enforce any provision of these Terms under the Contracts (Rights of Third Parties) Act 1999.

This clause does not affect any rights that may exist independently under applicable law.

39. Electronic Communications

You agree that ESCALO may communicate with you electronically where permitted by law.

Electronic communications may include:

• email;
• online notifications;
• account messages;
• documents made available through an online platform;
• other electronic communications.

You are responsible for maintaining access to the email address and contact details associated with your relationship with ESCALO.

Electronic communications may constitute written communications where permitted by applicable law.

40. Notices

Where formal notice is required under these Terms, it may be sent to the contact details provided by the relevant party.

ESCALO may contact you using:

• email;
• account notifications;
• other electronic means;
• postal correspondence where appropriate.

You should ensure that your contact information remains accurate.

41. Contact Information

For questions concerning these Terms, the ESCALO website or general matters relating to our services, please contact:

Finance Act Limited trading as ESCALO

Company number: 16839569

Registered office:
58 Oswald Terrace
Sunderland
England
SR2 9RP

Email:
support@escalo.uk

42. Important Notice

ESCALO operates in a complex financial and technology environment.

The information published on this website is intended to explain our business, technology, infrastructure and services in a clear and accessible way.

The website should not be treated as a substitute for contractual documentation, professional advice, regulatory documentation or service-specific terms.

Before entering into a financial, payment, trading, commercial or other material relationship with ESCALO, you should review the relevant contractual documentation and obtain independent professional advice where appropriate.

Nothing in these Terms is intended to exclude or limit any legal right or protection that cannot lawfully be excluded or limited.

Finance Act Limited trading as ESCALO
Company number: 16839569
58 Oswald Terrace, Sunderland, England, SR2 9RP

Email: support@escalo.uk

Last updated: 13 August 2026