Terms & Conditions

Last updated: 12 September, 2025

Please read these Terms and Conditions (the “Terms”) carefully before using the www.decta.com website (“the Website”) owned by DECTA Limited, incorporated in England and Wales, with an address at 1 King William street, London, EC4N 7AF (“Owner”).

The Website contains product descriptions and information provided by all DECTA Companies (“us”, “we”, or “our”) – DECTA Limited, incorporated in England and Wales, licensed by the Financial Conduct Authority (“FCA”) as an Electronic Money Institution (“EMI”) with license number 900592, with an address at 1 King William street, London, EC4N 7AF, DECTA Limited, incorporated in Cyprus, licensed by the Central Bank of Cyprus as an Electronic Money Institution (“EMI”), with license number 115.1.3.54, with office address at 75 Prodromou Avenue Office 202, Nicosia, 2063, Cyprus, DECTA Limited, incorporated in Ireland, licensed by the Central Bank of Ireland as an Electronic Money Institution (“EMI”) with license number C491504, with office address at Suite 202MR, Grand Canal House, 1 Grand Canal Street Upper, Ballsbridge, Dublin 4, D04 Y7R5 and SIA DECTA, incorporated in Latvia, 1 Roberta Hirsa street, Riga, LV-1045, in order to provide visitors with the most complete and up-to-date information on all the business operations.

Your access to and use of our provided services (the “Service”) is subject to your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and other parties who access the Website and/or use the Service.

While we make reasonable efforts to ensure accuracy, we do not guarantee that information on the Website is complete or up-to-date.

To the extent permitted by the legislative requirements, we are not liable for any loss, damage, or inconvenience arising from use of the Website, including technical errors, interruptions, or viruses.

By accessing or using the Website you agree to be bound by these Terms. If you disagree with any part of the Terms, you should not use the Website.

Links to other websites

The Website may contain links to third-party websites, or services, that are not owned or controlled by Owner or any other of DECTA Companies.

Owner or any other of DECTA Companies has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third-party websites, or services. You further acknowledge and agree that Owner, or any other of DECTA Companies, shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content or services available on or through any such websites, or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites, or services that you access through the Website.

Cookies

Our use of cookies and similar technologies is governed by our Cookies Policy. By using the Website, you consent to the use of cookies as described in our Cookies Policy.

Governing law

These Terms shall be governed and construed in accordance with the laws of England and Wales, without regard to their conflict of law provisions.

The Owner or any other of DECTA Companies’ failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between respective company of DECTA Companies regarding our Website, and supersede and replace any prior agreements we might have between us regarding the Service.

Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will post these changes on the Website. It is your sole responsibility to periodically check the Terms for any changes. By continuing to access or use our Website, after those changes have been made, you agree to be bound by the current Terms. If you do not agree to the new Terms, please stop using the Website.

Intellectual Property rights

You may not reproduce, distribute, modify, or show in public any content on the Website, including files downloadable from the Website, without the permission of the trademark owner. All text, graphics, logos, designs, software and other content on the Website is owned by the Owner. You may view, download, or print content for personal use only. Reproduction, distribution, or commercial use is strictly prohibited without our prior written consent.

DECTA trademark is owned by the Owner.

You are not allowed to change or withdraw any copyright, proprietary notices of any kind or other similar notices from the content on the Website. Nothing contained on the Website should be construed as granting, by implication or otherwise, any license or right to use any trademark and other intellectual property rights displayed on this Website without the written permission of the Owner.

The status of the relevant owner as the holder of the rights in the contents on our Website must always be acknowledged. The Owner will enforce its intellectual property rights to the fullest extent of laws, including civil and/or criminal actions against any non-authorized usage. All rights are reserved.

Limitation of Use

You may not use the Website for unlawful purposes or to infringe intellectual property rights. We reserve the right to restrict, suspend, or terminate access to the Website at our discretion.

No warranty

The Website is provided “as is” without any representations or warranties, express or implied. The Owner or any other of DECTA Companies makes no representations or warranties in relation to the Website or the information and materials provided on the Website.

Whilst the Owner will try to ensure that the Website is of highest standard, we do not warrant that the Website will be constantly available, or available at all, or the information on the Website is complete, true, accurate or non-misleading.

In no event the Owner or any other of DECTA Companies will be liable for any damages, including, but not limited to direct or indirect damages arising from or in connection with the use of the Website. Nothing on this website constitutes, or is meant to constitute, advice of any kind.

Indemnity

You hereby indemnify and undertake to keep Owner and any other of DECTA Companies indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by DECTA to a third party in settlement of a claim or dispute on the advice of DECTA’s legal advisers) incurred or suffered by the Owner or any other of DECTA Companies arising out of any breach by you of any provision of these Terms, or arising out of any claim that you have breached any provision of these Terms.

Customer Feedback and Complaints (“Complaints”) Handling Procedure

At DECTA we are committed to providing high-quality services and addressing any concerns or issues that our Customers may have. We value your feedback and take all complaints seriously. This page outlines how we handle Customer Complaints to ensure a prompt, courteous, and transparent process.

How to Submit a Complaint

If you have a complaint regarding any of our services, including payment processing, billing issues, or support services, you can contact us through the following channels:

1. For services associated with DECTA Limited, incorporated in England and Wales:

By filing Complaints form available in Complaints Policy section

By phone: +44 20 3750 2195

By post: 1 King William street, London, EC4N 7AF, DECTA Limited

2. For services associated with DECTA Limited, incorporated in Cyprus:

By filing Complaints form available in Complaints Policy section

By phone: +357 22 73 09 83

By post: 75 Prodromou Avenue Office 202, Nicosia, 2063, Cyprus

3. Or by contacting general inquiries/ Customer support via email: info@decta.com

Please provide us with the following details to help us resolve your issue as quickly as possible:

Your name and contact information (email address and phone number)

A brief description of the issue, including any relevant transaction details or account numbers and date when the issue arose

Any supporting documentation (if applicable)

What Happens Next?

Acknowledgment of Your Complaint:
Once we receive your Complaint, we will acknowledge it within 5 (five) business days and provide you with a case reference number. This will help you track the progress of your Complaint.
Investigation:
We take all Complaints seriously. Our team will review the details and investigate the issue. This may involve looking at transaction records, system performance, or other relevant information. If the Complaint requires additional expertise (such as compliance issues), we will consult with our specialists.
Resolution:
We aim to resolve Complaints promptly, and we'll keep you updated on our progress. In most cases, you will receive a resolution within [5-15 business days]. If more time is needed, we will let you know the expected timeline.
Communication of the Outcome:
Once the investigation is complete, we will inform you of the outcome. If the Complaint is upheld, we will provide you with a clear explanation of the resolution.
Escalation:
If you're not satisfied with the outcome of your Complaint, you can ask for your case to be reviewed by a senior manager or escalated to another department for further consideration.

Out of court dispute resolution authority for Complaints related to financial services

If DECTA cannot resolve a Complaint after contacting all parties, or if the Complaint has not been resolved in complaint’s satisfaction, or the offer of redress is considered insufficient or inappropriate, you may contact respective out of court dispute resolution authority. To contact the out of court dispute resolution authority, a complainant is advised to disclose their situation in writing, by telephone or email to the following:

1. For the financial services provided by DECTA Limited, incorporated in England and Wales to:

Financial Ombudsman Service
Exchange Tower, London, E14 9SR
Telephone No.: 08000234567
Website: www.financial-ombudsman.org.uk

2. For the financial services provided by DECTA Limited, incorporated in Cyprus to:

Financial Ombudsman Service
Postal Address: P.O. Box 26722, 1647 Nicosia
Telephone No.: +357 22848900
Website: https://financialombudsman.org.cy/

Our Commitments to You

Transparency: We will keep you informed every step of the way and ensure clear communication throughout the process.

Fairness: Your complaint will be treated impartially, and we will work to resolve it fairly.

Timeliness: We aim to acknowledge and resolve your complaint as quickly as possible, ensuring minimal disruption to your experience with us.

Confidentiality and Privacy

We take your privacy seriously. All personal data provided during the Complaints process will be handled confidentially and in accordance with our Privacy Policy. Your information will only be shared with relevant personnel for the purpose of resolving your Complaint.

Continuous Improvement

We constantly strive to improve our services and Customer experience. Your feedback, including any Complaints, helps us identify areas for improvement. We regularly analyze Complaint trends and take action to enhance our services.

Contact us

If you have any further questions regarding the Terms or need assistance with submitting a Complaint, please feel free to contact our Customer support team:

Email: info@decta.com

Thank you for your trust in DECTA. We appreciate your feedback and are committed to resolving your concerns in a timely and effective manner.