OX2B Financial Ltd. General Terms and Conditions


OX2B Financial Ltd, 52 Cornmarket Street, Oxford OX1 3HJ, performs services exclusively on the basis of these General Terms and Conditions for the use of the platform. These General Terms and Conditions cover, to the exclusion of all others, the contractual relationship between you and us, OX2B Financial Ltd, the other parties (e.g. card issuer) and you as a user of the platform must conclude separate and independent contracts.


  • Use of the platform requires registration in several stages (hereinafter “Registration"). The Registration is free of charge.
  • By registering, you are submitting an offer to us for the conclusion of a contract for the use of the platform (hereinafter, the “User Agreement").
  • Once you have completely and truthfully entered all the information into the form provided on the platform and confirmed your consent to our General Terms and Conditions, this information will be sent to and stored by us when you click on the “Complete registration” button. In return, you will receive a confirmation e-mail, SMS or push notification from us on your smartphone or tablet. If we do not lodge a prompt objection to your Registration and we enter your user data into our database, this will constitute acceptance by us of your offer and the successful conclusion of the User Agreement. A corresponding user account will be created for the user (hereinafter the “User Account"). You can now use the services offered on the platform by means of the access data you have selected. You are under obligation not to make the access data of your choice accessible to any third party. You bear full responsibility for all activities that take place via your User Account. For this reason, you are required to notify OX2B Financial Ltd without delay if your password should become known to a third party and of any improper use of your User Account.
  • The use of the platform requires registration with consent to these GTCs and the privacy policy. We are entitled at our sole discretion to make the use of the platform or individual functions thereof or the extent to which individual functions and services can be used contingent on the fulfilment of certain conditions e.g. examination of the registration data, the presentation of additional identification documents, declarations of consent etc.
  • You have no absolute right to conclude a User Agreement. Registration is permitted only for legal entities and natural persons of unrestricted legal capacity who are resident in the SEPA region. Registration by minors is excluded without the permission of the parent or legal guardian concerned.
  • All mandatory information required by us at the point of Registration and all further, voluntarily entered data and/or documents must be entered and submitted completely and truthfully. Should the data entered change after Registration, the user is obliged to correct the information immediately or, if the information concerned is voluntary, where applicable to delete it. We reserve the right after a reasonable period of time to delete User Accounts associated with incomplete Registrations. Registration undertaken with the provision of incorrect or incomplete information is prohibited and will result in deletion of the User Account. Moreover, User Accounts with obviously false information or forged documents can also be deleted. Your Registration as a user of the platform is non-transferable.

Use of the platform

Availability of the platform

  • OX2B Financial Ltd is committed to ensuring that the platform is available as continuously as possible within the framework of what is technically and economically reasonable. For technical reasons, no claim to permanent availability of the platform may be asserted. Maintenance, security or capacity issues in particular, as well as events outside the sphere of responsibility of OX2B Financial Ltd, can result in temporary interruptions to the services and availability of the platform. OX2B Financial Ltd reserves the right to temporarily restrict access to the platform within reasonable limits at any time if this appears necessary with regard to capacity limits or the security of the systems of OX2B Financial Ltd or for the purpose of executing maintenance measures.
  • The availability and performance of applications on the platform also depends on your own technical equipment, as well as the quality and quantity of your own data connection over the Internet. OX2B Financial Ltd reserves the right to temporarily restrict access to the platform at any time if this appears necessary with regard to capacity limits or the security of the systems of OX2B Financial Ltd or for the purpose of executing maintenance measures.


  • OX2B Financial Ltd is liable only for intent and gross negligence, with the exception of violations of essential contractual obligations, that is to say the violation of obligations that must be fulfilled to enable the proper implementation of the agreement in the first place and on the fulfilment of which you as a customer would normally expect to be able to rely ("material contractual obligation"). In the event of a slightly negligent breach of a material contractual obligation, the liability of OX2B Financial Ltd will be limited to such typical damage and/or typical scope of damage foreseeable at the time the User Agreement is concluded.
  • The foregoing limitations of liability apply also in the event of fault on the part of a vicarious agent of OX2B Financial Ltd and to the personal liability of employees, representatives and bodies of OX2B Financial Ltd.
  • The limitation of liability will not apply in the event of the acceptance by us of express guarantees and damage arising out of injury to life, limb or health, as well as in the case of mandatory statutory provisions.
  • OX2B Financial Ltd is not liable for the effectiveness of the contracts concluded between you and the card-issuing bank or e-money institutions.

Term and termination

  • The User Agreement for the platform is concluded for an indefinite period and can be terminated by OX2B Financial Ltd and by you with the observance of a period of notice of one week at the end of the month. If you wish to cancel your Registration and thereby the User Agreement for the platform, please send an e-mail to that effect to support@card-banking.com. Any agreements concluded between you and an e-money institution or a bank will not be affected by the termination.
  • The right to terminate the User Agreement for good cause remains unaffected.

Privacy policy

  • The processing of personal data is carried out under strict adherence to statutory data protection regulations. For more information, refer to our privacy policy.

Final provisions

  • OX2B Financial Ltd reserves the right to amend or adapt these General Terms and Conditions with effect for the future at any time and without any requirement to state reasons. You will receive the amended terms via e-mail no later than four (4) weeks prior to their entry into force. OX2B Financial Ltd will also inform you of the change to these General Terms and Conditions on the platform itself. If you do not contradict the validity of the amended terms within four (4) weeks of receipt of the notification of the change to these General Terms and Conditions, the amended General Terms and Conditions will be deemed to have been accepted by you. OX2B Financial Ltd will inform you separately of the legal consequences of your silence in the notification of the change to these General Terms and Conditions.
  • These General Terms and Conditions and the relationship between OX2B Financial Ltd and you are subject to the law of United Kingdom. The statutory place of jurisdiction applies.
  • Should individual provisions of this agreement prove invalid or unenforceable, the validity of the remainder of the agreement will be unaffected. In such a case, the parties undertake to replace the invalid or unenforceable provision with a legally admissible provision which achieves to the greatest extent possible the purpose of the invalid or unenforceable provision, with particular reference to the original purpose intended by the parties. The same applies if a loophole which requires filling should arise in the course of executing the agreement.

Contact & Legal Information

OX2B Financial Limited 52 Cornmarket Street | OX1 3HJ Oxford Managing Director: Angelika Wegner Register court: Companies House England and Wales Company no: 8534670
Responsible for the content: OX2B Financial Limited Telephone: +44(0) 1865 521 486 Email: info@Ox2b-financial.co.uk Company no.: 8534670