Website Terms of Use

1. Introduction

1.1. These Website Terms of Use (“Terms”) contained on this webpage is a legal agreement between you and Clear Junction Holding Limited, (“Clear Junction”, “we”, “our” or “us”) and shall govern your access to and use of Clear Junction’s website. (“Website“) is operated by Clear Junction Holding Limited.

1.2. The Terms set forth the legally binding terms that govern your access to and use of our Website. These Terms apply to all users of the Website, including visitors, registered users who access or use our services (“You“). Your continued use of the website constitutes your acceptance of these Terms and any updates or modifications made to them. These Terms are effective upon your use of the Website, if you do not agree with any part of these Terms, you must discontinue access and use of our services immediately.

1.3. It is important to note that these Terms solely pertain to your use of the Website. These Terms do not constitute a payment services agreement, e-money services agreement, or e-wallet user terms and conditions. These Terms shall not be confused with any other service agreements offered by any company within the Clear Junction Group (covered in Section 2.5 below). The Terms do not govern the provision of, nor constitute an offer for, any financial products or services provided by any companies within the Clear Junction Group. Accessing or utilising services from any companies within the Clear Junction Group requires entering into a separate service agreements. This process is distinct and separate from your acceptance of these Terms.

1.4. By accessing or using our Website, you confirm that you have read, understood, and agreed to be bound by these Terms. If you are using the Website on behalf of a company, or other legal entity, you represent and warrant that you are authorised to do so and have the authority to bind such entity to these Terms.

1.5. To the maximum extent permitted by applicable law, you agree that any use of the Clear Junction website establishes your consent to these Terms and serves as your binding electronic signature, indicating your intention to be legally bound by these Terms without the necessity of a physical signature or explicit clickwrap agreement.

1.6. We reserve the right to update or modify these Terms at any time without prior notice. We encourage you to periodically review the Terms to ensure you are informed of any updates. Your continued use of the Website after any such changes constitutes your acceptance of the new Terms.

1.7. You affirm that you are over 18 years of age, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms, and to abide by and comply with these Terms.

1.8. Your use of the Website is subject to these Terms. We invite you to read these Terms carefully, as they form a binding legal agreement between you and Clear Junction.

2. Clear Junction Group

2.1. The Website provides information about the products and services provided by the companies within Clear Junction Group.

2.2. Clear Junction Group constitutes a group of companies (covered in Section 2.5 below) which focuses on the wholesale market (financial institutions and regulated companies), where it uses its systems and payment infrastructure to offer access to interbank clearing through its own BIC, issuance of virtual IBANs or B2B services. The Firm works exclusively with institutional clients including remittance companies, banks, payment services providers, card issuers and digital currency businesses.


2.4. We understand there may be instances of confusion regarding the nature of services provided by the companies within Clear Junction Group. To clarify:

Target Market: Clear Junction Group’s engagement is strictly with financial institutions and regulated companies. Any direct services, products, or business relationships are conducted solely with such corporate clients, not with their individual consumers or the general public.

No Direct Individual services: Individual consumers seeking information or services must direct their inquiries or requests to the respective financial institutions they have accounts (business relationships) with. The companies within Clear Junction Group do not directly interact with or provide services to individual consumers.

2.5. Clear Junction Group includes the following regulated entities:

2.5.1. Clear Junction Limited is a company registered in England and Wales (company number 10266827). Clear Junction Limited is an Electronic Money Institution authorised by the Financial Conduct Authority under Firm Reference Number (FRN) 900684.

Registered Office Address: 6th Floor, Manfield House, 1 Southampton Street, London, England, WC2R 0LR.

Clear Junction Ltd (

CLEAR JUNCTION LIMITED overview – Find and update company information – GOV.UK (

Clear Junction Limited is authorised by the FCA to conduct the following regulated activities:

  • Payment services
    • Money Remittance,
    • Issuing and/or Acquiring Payment Instruments.
  • Electronic Money (E-Money)
    • Issuing Electronic Money,
    • services enabling cash placement on a payment account,
    • services enabling cash withdrawals from a payment account,
    • Execution of payment transactions (not covered by a credit line),
    • Execution of payment transactions (covered by a credit line),
    • Issuing payment instruments or acquiring payment transactions,
    • Money remittance,
    • Execution of payment transactions via telecoms, IT system or network operator.

The services of Clear Junction Limited are designed exclusively for financial institutions and regulated businesses, not individual consumers.

The services of Clear Junction Limited are designed exclusively for financial institutions and regulated businesses. Such entities fall outside the scope of the Financial services Compensation Scheme (FSCS). While in the event of default or insolvency by Clear Junction Limited, funds of the clients and their customers held on account with Clear Junction Limited would not be protected by the FSCS, the integrity of our safeguard arrangements is validated annually by a reputable independent audit firm. You can get more information here:  

2.5.2. Clear Junction Digital Limited is a company registered in England and Wales (company number 10408510). Clear Junction Digital Limited is an MLRs-registered cryptoasset business, registered with the Financial Conduct Authority (FCA) under Firm Reference Number (FRN) 900696.

Registered Office Address: 6th Floor, Manfield House, 1 Southampton Street, London, England, WC2R 0LR.

Clear Junction Digital Limited (

CLEAR JUNCTION DIGITAL LIMITED overview – Find and update company information – GOV.UK (

Clear Junction Digital Limited is registered with the FCA to conduct the following activities:

  • Cryptoasset. A firm that carries out specific cryptoasset activities under the Money Laundering Regulations.

The services of Clear Junction Digital Limited are designed exclusively for financial institutions and regulated businesses, not individual consumers.

2.5.3. Clear Junction Canada Limited is a company registered in Canada (incorporation number 2025400306). Clear Junction Canada Limited is an MSB, registered with the FINTRAC under MSB registration number M23483057.

MSB details – FINTRAC – Money services business (MSB) registry search (

Clear Junction Canada Limited is registered with the FINTRAC to conduct the following activities:

  • Foreign exchange dealing
  • Money transferring
  • Dealing in virtual currencies
  • Payment service provider

The services of Clear Junction Canada Limited are designed exclusively for financial institutions and regulated businesses, not individual consumers.

2.5.4. FIRST DIGITAL spółka z ograniczoną odpowiedzialnością is a company registered in Poland (registration number 0000883787). FIRST DIGITAL spółka z ograniczoną odpowiedzialnością is a Small Payment Institutions, registered with the Polish Financial Supervision Authority (Komisji Nadzoru Finansowego).

ENTITIES – Komisja Nadzoru Finansowego (

FIRST DIGITAL spółka z ograniczoną odpowiedzialnością is registered with the Polish Financial Supervision Authority to conduct the following activities:

  • services enabling cash to be placed on a payment account
  • services enabling cash withdrawals from a payment account
  • Execution of direct debits
  • Execution of payment transactions
  • Execution of credit transfers
  • Execution of direct debits (covered by a credit line)
  • Execution of payment transactions (covered by a credit line)
  • Execution of credit transfers (covered by a credit line)
  • Issuing of payment instruments
  • Acquiring of payment transactions
  • Money remittance

The services of FIRST DIGITAL s.p.z.o.o. are designed exclusively for financial institutions and regulated businesses, not individual consumers.

3. Use of the Website

3.1. Clear Junction grants you a non-exclusive, non-transferable, revocable license to access and use our Website and services strictly in accordance with these Terms. This license is intended for personal and non-commercial use unless specifically authorised by Clear Junction.

3.2. Access to our services is granted on a temporary basis, and we reserve the right, at our sole discretion, without notice and at any time, to modify, suspend, or terminate access to the services or any part thereof. This may include restrictions on access to certain features or content at any time, without incurring any liability.

3.3. Certain features or services offered on or through our Website may require you to set up a login and password. You are entirely responsible for maintaining the confidentiality of the information you hold for your account, including your password, and for any and all activity that occurs under your account. You agree to notify Clear Junction immediately of any unauthorised use of your account or password, or any other breach of security.

3.4. Access to certain services may be contingent upon completing any registration or verification processes deemed necessary. You undertake to provide accurate, current, and complete information about yourself as prompted by the service’s registration form and to maintain and promptly update your information to keep it accurate, current, and complete. If you choose, or you are provided with, a login, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party. We have the right to disable any login or password, whether chosen by you or allocated by us, at any time, or if in our reasonable opinion you have failed to comply with any of the provisions of these Terms. If you know or suspect that anyone other than you knows your login or password, you must promptly notify us using the support form on our Website.

3.5. We strive to ensure accessibility to our services at all times. However, due to the nature of the internet and electronic communications, we cannot guarantee that the Website or any service will operate continuously or without interruptions. Access to our Website is permitted on a temporary basis, and we may suspend, withdraw, discontinue, or change all or any part of our Website without prior notice. We will not be liable if, for any reason, our Website is unavailable at any time or for any period.

3.6. While Clear Junction strives to ensure that all information on our Website is accurate and up-to-date, we do not warrant the completeness, reliability, or accuracy of this information. The content provided on our Website is for general information purposes only and should not be relied upon as the sole basis for making decisions without consulting primary, more accurate, more complete, or more timely sources of information.It is your responsibility to ensure that all information you provide on the Website is accurate, complete, and up-to-date. Inaccurate or obsolete information must be promptly corrected. Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. Such links should not be interpreted as approval by us of those linked websites or information you may obtain from them. We have no control over the contents of those sites or resources.

3.7. We aim to update our Website regularly and may change the content at any time. If the need arises, we may suspend access to our Website, or close it indefinitely. Any of the material on our Website (such as blog, insights, news, FAQ, etc.) may be out of date at any given time, and we are under no obligation to update such material.

3.8. Any reliance on the material on this Website is at your own risk. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on the Website. Clear Junction disclaims all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to our Website, or by anyone who may be informed of its contents.

3.9. Nothing in these Terms excludes or limits our liability for death or personal injury arising from our negligence, or any other liability that cannot be excluded or limited by English law. To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our Website or any content on it, whether express or implied. We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with use of, or inability to use, our Website, or use of, or reliance on, any content displayed on our Website, loss of profits, sales, business, or revenue; business interruption; loss of anticipated savings; loss of business opportunity, goodwill or reputation; or any indirect or consequential loss or damage.

3.10. To the fullest extent permitted by law, Clear Junction, including its directors, employees, agents, or affiliates, will not be liable for any direct, indirect, special, incidental, consequential, or punitive damages, or any other damages of any kind, arising out of or related to your use, or inability to use, our Website, including but not limited to damages caused by or related to errors, omissions, interruptions, defects, delay in operation or transmission, computer virus, line failure, and all other direct or indirect damages.

3.11. You agree to defend, indemnify, and hold harmless Clear Junction, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Website, including, but not limited to, any use of the Website’s content, services, and products other than as expressly authorised in these Terms or your use of any information obtained from the Website.

3.12. You may terminate your agreement with Clear Junction ceasing to use the Website. We may suspend or terminate access to the Website to you at any time, for any reason including without limitation, breach of these Terms, fraud, impersonation, etc. Upon termination, your right to use the Website will immediately cease.

4. Restrictions on Use of the Website and services

4.1. To maintain the integrity, security, and functionality of our Website and services, Clear Junction imposes certain restrictions on how they may be used. By accessing our Website, you agree not to use the Website or services in any manner that violates any applicable laws, rules, or regulations, including soliciting the performance of any illegal activity or other activity that infringes the rights of Clear Junction or any companies within the Clear Junction Group, or others, or engage in the activities covered in this Chapter.

4.2. You shall not access or use the Website or its services for any illegal or unauthorised purpose. International users agree to comply with the laws of England and Wales and all local laws regarding online conduct and acceptable content.

4.3. Attempting to gain unauthorised access to the Website’s systems or any account not owned by you, through hacking, password mining, or any other means, is strictly prohibited. You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attack our Website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them, to the extent required by law.

4.4. You must not disrupt or interfere with the security of, or otherwise cause harm to, the Website, systems resources, accounts, passwords, servers, or networks connected to or accessible through the Website or any affiliated or linked Website.

4.5. The use of automated systems or software to extract data from the Website for commercial purposes (‘screen scraping’) is prohibited unless you have a written license agreement with Clear Junction specifically permitting such activity.

4.6. You must not upload, post, or otherwise transmit any material that contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software, hardware, or telecommunications equipment.

4.7. Impersonating any person or entity, including, but not limited to, a Clear Junction official, forum leader, guide, or host, or falsely stating or otherwise misrepresenting your affiliation with a person or entity is not allowed.

4.8. Creating a false identity for the purpose of misleading others or fraudulently concealing your identity or your affiliation with any person or entity is prohibited.

4.9. You may not use, copy, distribute, or reproduce any of the content found on the Website, including copyrighted text, images, software, or trademarks, without the express written permission of the content owner.

4.10. Engaging in any activity that infringes or violates the intellectual property rights of Clear Junction or others, including patents, copyrights, trademarks, trade secrets, or other proprietary rights, is strictly prohibited.

4.11. Clear Junction reserves the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone posting any email messages, or publishing or otherwise making available any materials that are believed to violate these Terms.

4.12. Violation of these restrictions may result in the immediate termination of your access to the Website and services and may expose you to civil and/or criminal liability. Clear Junction reserves the right to investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who have participated in such violations.

5. Intellectual Property 

5.1. Clear Junction and/or its licensors own all the intellectual property rights and materials contained in this Website, including but not limited to text, content, graphics, logos, icons, images, audio clips, design, layout, structure, digital downloads, data compilations, and software. These materials are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. All such rights are reserved.

5.2. We grant you a limited non exclusive license, subject to the Terms, for the purpose of accessing and making personal use of this Website. You may view, print, and download limited portions of Website content solely for your personal, non-commercial business purposes, provided we retain all proprietary and copyright notices. No modification, distribution, or creation of derivative works is permitted without Clear Junction’s express written consent. This license does not include any rights not specifically enumerated herein, and, in particular, does not include any rights to:

  • Resell or make commercial use of this Website or its contents.
  • Collect and use any product listings, descriptions, or prices.
  • Make any derivative use of this Website or its contents.
  • Download or copy account information for the benefit of another merchant.
  • Use data mining, robots, or similar data gathering and extraction tools.

5.3. The trademarks, including logos, and service marks displayed on this Website are the property of Clear Junction or its licensors. You are not permitted to use, reproduce, download, or distribute any trademarks in any way, including, but not limited to, use as meta tags on other pages without the prior written consent of Clear Junction or the third-party owner of the trademark.

5.4. All content included on this Website, but not limited to the text, graphics, logos, button icons, images, audio clips, digital downloads, and software, is the property of Clear Junction or its content suppliers and protected by international copyright laws. The compilation of all content on this Website is the exclusive property of Clear Junction.

5.5. By posting, uploading, inputting, providing, or submitting your content to us, you grant Clear Junction, our affiliated companies, a non-exclusive, worldwide, royalty-free, sublicensable, transferable sublicensees permission to use your submission in connection with the operation of their businesses, including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your content. It is your responsibility to ensure that any such content does not infringe on any patents, copyrights, trademarks, or other intellectual property rights of third parties. You warrant that you either own User Content or have all necessary rights to grant this license. You will indemnify Clear Junction for all claims resulting from any content you supply.

5.6. Any unauthorised use terminates the permission or license granted by Clear Junction. Clear Junction actively protects its intellectual property rights and may pursue legal action against any infringement, including seeking injunctive relief or damages.

5.7. Clear Junction respects the intellectual property of others and asks that users of our Website do the same. If you believe that your work has been copied and posted on the Website in a way that constitutes copyright infringement, please provide us with the necessary information using the support form on the Website, and we will take appropriate actions to address the issue, including removing the infringing material.

6. Consumer Duty 

6.1. Clear Junction Group is dedicated to upholding the highest standards of conduct and integrity in all aspects of our operations, in alignment with the Financial Conduct Authority’s Consumer Duty regulatory framework. Clear Junction Group prioritises clients’ best interests and strive to ensure compliance with the cross-cutting rules that define the FCA’s expected standards of conduct under Principle 12. This involves: 

  • Acting in Good Faith: Clear Junction Group engages with all their clients in a manner that is honest, fair, and in their best interests, ensuring that our actions and decisions are made with integrity and transparency.
  • Avoiding Foreseeable Harm: Clear Junction Group takes proactive steps to identify and mitigate any actions or practices that could potentially lead to client harm. Clear Junction Group continuously evaluates services and operations to ensure they align with the highest standards of client protection.
  • Enabling Positive Outcomes: Clear Junction Group’s aim is to empower their clients, facilitating their success and financial objectives through the provision of tailored, effective financial solutions. Clear Junction Group strives to ensure that our products and services contribute positively to the achievement of their clients’ goals.

6.2. Clear Junction Group adheres to the cross-cutting rules as defined under Principle 12 by the FCA, embodying the ethos of acting in good faith, preventing foreseeable harm, and enabling their clients to achieve their financial objectives. This commitment permeates through the provision of products and services, ensuring they are suitable, offer fair value, and are supported by clear communication and robust support mechanisms.

6.3. Clear Junction Group’s services are exclusively tailored for licensed and regulated financial institutions, including banks, PSPs, money transfer businesses, and Crypto businesses. Clear Junction Group and the companies within Clear Junction Group do not provide services to individual consumers.

7. Support and Complaints Handling

7.1. At Clear Junction, we are dedicated to providing exceptional service and support to all our clients. We recognise, however, that there may be times when our service does not meet expectations. In such instances, we are committed to addressing and resolving complaints promptly, fairly, and effectively.

7.2. Should you have any concerns or wish to make a complaint, please contact our support team directly at

7.3. To facilitate a swift and effective investigation, please include as much detail as possible about your concern, including the nature of the complaint, any relevant dates, transactions, impact, desired outcome, and your contact details. Providing complete information enables us to address your complaint more efficiently. 

7.4. Your complaint will be logged in our system and a designated Clear Junction team member will be allocated to handling your matter. We would like to assure you that our team members are duly experienced and will do their best to resolve your complaint. They will have the authority to settle your complaint or will have access to someone who has such authority.

7.5. We remind you that: 


We encourage individual consumers to first direct their inquiries or complaints to the respective financial institutions they have accounts (business relationships) with (this could be the bank you used to send money or the company that ultimately received the funds). 

7.6. Clear Junction is particularly committed to supporting victims of fraud. We ensure clear, supportive, and empathetic communication, with special attention to vulnerable customers, processing their complaints out of turn. Our aim is to mitigate the impact of fraud through proactive fraud alerts, responsive support services, and ensuring clients are informed about how to protect themselves against scams. 

For detailed information about our approach to the fraud prevention, please visit our dedicated Fraud Prevention Webpage.


7.7. If you are dissatisfied with the outcome of your complaint, you have the right to escalate the matter. Clear Junction is committed to ensuring that all complaints are resolved in a fair and timely manner.

8. Confidentiality and Data Protection

8.1. Clear Junction is deeply committed to protecting the confidentiality and privacy of the information entrusted to us. We understand the importance of maintaining the privacy of your personal data and are dedicated to ensuring the security and protection of your information as you interact with our services.

8.2. We uphold strict confidentiality standards and procedures to prevent unauthorised access, disclosure, alteration, or destruction of information under our control, including your personal and financial information.

8.3. In alignment with the General Data Protection Regulation (“GDPR”), the UK GDPR and the Data Protection Act 2018, and other applicable data protection laws, we adopt a rigorous approach to data collection, processing, and storage. This ensures that your data is handled legally, fairly, and securely.

8.4. Our approach to data handling is characterised by:

  • Lawfulness, Fairness, and Transparency: Your data is collected, processed, and used ethically and within legal boundaries. You have clear insight into our practices.
  • Purpose Limitation: We collect data for specific purposes relevant to delivering our services.
  • Data Minimisation: We only collect necessary data for fulfilling our services.
  • Accuracy: We maintain accurate data that is kept up-to-date to the extent possible.
  • Storage Limitation: Data is retained only for as long as it serves the necessary purpose.
  • Integrity and Confidentiality: Strong security measures safeguard your data at every stage.

8.5. Our practices and policies are periodically reviewed and updated as necessary to ensure we continue to meet our legal obligations and protect your information. 

9. Governing Law 

9.1. These Terms, and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or their subject matter or formation, are governed by and construed in accordance with the law of England and Wales. By accessing and using our Website, you agree that the laws of England and Wales will govern any matter or dispute relating to or arising out of these Terms, as well as any dispute of any kind that may arise between you and Clear Junction, without regard to conflict of law principles.

9.2. You agree that any legal action or proceeding related to or arising out of your use of our Website, these Terms, or our services shall be brought exclusively in the competent courts of England and Wales. You hereby waive any objection to the exercise of jurisdiction over you by such courts and to the venue of such courts.

9.3. We believe that most disputes can be resolved amicably. Before resorting to formal dispute resolution mechanisms, we kindly ask that you contact us to explore potential amicable solutions. This does not affect your right to bring a claim against us in the competent courts of England and Wales, as provided above.

10. General

10.1. The headings used in these Terms are for convenience only and shall not affect their interpretation.

10.2. In these Terms, unless specified otherwise, use of the singular includes the plural, use of any gender is deemed to include every gender and any reference to a person includes a corporation, a partnership and any other body or entity, and vice versa.

10.3. Use of the words, includes or including or similar words or phrases means without limitation and the use of these or similar words or phrases shall not limit the meaning of the general words.

10.4. We shall not be liable for any delay or failure to perform any obligation under these Terms if the delay or failure is caused by circumstances beyond our reasonable control.

10.5. Nothing in these Terms is intended to confer on any person any right to enforce any term of these Terms which that person would not have had but for the Contracts (Rights of Third Parties) Act 1999.

10.6. Each of the provisions of these Terms (or part of any provision) is severable. If any such provision is or becomes illegal, invalid or unenforceable in any respect under the law of any jurisdiction that shall not affect the legality, validity or enforceability of the other provisions of these Terms. The provision itself shall apply with the minimum modification necessary to make it legal, valid and enforceable.

10.7. Failure or delay by us in enforcing these Terms shall not be a waiver of that or any other provision of these Terms.

10.8. You may not assign any of your rights or obligations under these Terms.

10.9. These Terms constitute the whole agreement and understanding between you and us in relation to their subject matter and the use of our Website. Except in case of fraud, all previous agreements, understandings, undertakings, representations, warranties, promises and arrangements between you and us relating to the subject matter of these Terms or your use of our Website are superseded, except as otherwise expressly stated in these Terms.

11. Contact Us 

Email Address: 

Posting Address: 6th Floor, Manfield House, 1 Southampton Street, London, England, WC2R 0LR.