Terms & Conditions

Effective Date: 1st August 2024

Last Updated: 31st January 2025

1. Introduction

Welcome to Desk 123 Limited (“Company,” “we,” “our,” or “us”). These Terms & Conditions (“T&C”) govern your use of our website www.desk123.co.uk and services. By accessing or using our services, you agree to comply with these T&C. If you do not agree, please do not use our website or services.

These T&C also comply with General Data Protection Regulation (GDPR) and Anti-Money Laundering (AML) laws where applicable.

2. Eligibility & Compliance

To use our services, you must:

• Be at least 18 years old (or legal age in your jurisdiction).
• Not be located in a restricted or sanctioned country.
• Not engage in illegal activities, including money laundering or fraud.
• Comply with all applicable laws, including GDPR and AML regulations.

We reserve the right to refuse or terminate access if you violate these conditions.

3. AML & KYC Compliance

As part of our Anti-Money Laundering (AML) obligations, we may require Know Your Customer (KYC) verification, which includes:

• Government-issued ID (passport, driver’s license, etc.).
• Proof of address (utility bill, bank statement).
• Source of funds verification (if required by financial authorities).

Failure to provide accurate information may result in service suspension or termination. We may also report suspicious activities to relevant authorities.

4. Data Protection & Privacy (GDPR Compliance)

We handle personal data in accordance with GDPR and our Privacy Policy.

As a user, you have GDPR rights, including:

• Right to access your data.
• Right to correct or delete your data (subject to AML retention laws).
• Right to restrict or object to processing.
• Right to data portability.

For data-related requests, contact us at [email protected].

5. User Responsibilities

By using our services, you agree that you will:

• Use our website and services legally and ethically.
• Not attempt unauthorized access, hacking, or data scraping.
• Not submit false, misleading, or fraudulent information.
• Not use our services for illegal financial activities (e.g., money laundering, tax evasion).

Violation of these terms may result in account suspension, termination, and possible legal action.

6. Payment & Transactions

If our services involve payments, you agree that:

• All payments are processed securely through third-party providers.
• You are responsible for providing accurate billing information.
• Refunds (if applicable) are subject to our refund policy.
• We may delay or block transactions if required by AML regulations.

7. Intellectual Property

All content on our website, including text, graphics, logos, and software, is our intellectual property or licensed to us. You may not reproduce, distribute, or modify any content without written permission.

You may:

• View and use our website for personal, non-commercial purposes.
• Share publicly available content with proper attribution.

8. Third-Party Services & Links

Our website may contain links to third-party websites. We are not responsible for their content, policies, or actions. Please review their Terms & Conditions before using their services.

9. Limitation of Liability

To the extent permitted by law:

• We are not liable for any indirect, incidental, or consequential damages arising from your use of our services.
• We do not guarantee uninterrupted or error-free service.
• Our liability is limited to the maximum extent permitted by law.

If required by law, our liability will not exceed the total amount you paid for our services in the past 6 months.

10. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or liabilities arising from:

• Your breach of these T&C.
• Your misuse of our website or services.
• Your violation of any applicable law, including GDPR and AML regulations.

11. Termination & Account Suspension

We may suspend or terminate your access if:

• You violate these T&C or any applicable laws.
• You engage in fraudulent, suspicious, or illegal activities.
• We are required to do so under AML or financial regulations.

Upon termination, you may lose access to your account, and your personal data will be handled in accordance with our Privacy Policy and AML data retention rules.

12. Governing Law & Dispute Resolution

These T&C are governed by the laws of [insert jurisdiction].

In case of disputes:

• We will first attempt to resolve issues amicably.
• If unresolved, disputes will be settled through [insert dispute resolution method].

13. Changes to These Terms

We may update these T&C from time to time. Any changes will be posted with an updated “Last Updated” date. Continued use of our services after changes take effect constitutes acceptance of the revised terms.

14. Contact Information

If you have questions about these T&C, contact us at:

The Data Controller
[email protected]
Desk 123 Limited
Halifax House
93-101 Bridge Street
Manchester
M3 2GX