Terms of Reference and Use


The Website and the services and facilities PMCT Accountants and Consultants (PMCT) offers is provided without warranty of any kind, either express or implied. PMCT excludes any warranty, term or condition not expressly set out in these Terms including without limitation any warranty for information, data, services, uninterrupted access, or products provided through or in connection with the Website.

You acknowledge that PMCT shall have no liability to you under this Agreement by means of an introduction effected via the Website and because you are not required to pay any sums to use the Website except for services we have rendered and for which you have agreed to pay PMCT.

You acknowledge that PMCT shall not be liable for any material inaccuracies or misrepresentations in any information in question presented in good faith for inclusion on the Website.

You agree to indemnify PMCT against all proceedings, costs, fees expenses, payments, liabilities, injury, death, loss and damage arising out of any claims brought against PMCT (in negligence or otherwise) that are attributable to your failing to comply with any of the provisions of this Agreement.

You acknowledge that changes may over time be made by PMCT to develop the Website and that this may result in limited periods when the Website may be out of action for this reason. You are at sole risk for accessing PMCT website.

User submissions

You shall not be required to pay PMCT for your use of the Website and any contractual payment specifically relates to services rendered to you at your request by PMCT. PMCT does not want to receive confidential or proprietary information from you through this site.

Except for personally identifiable information, please note that any material, information or other communication you transmit or post to this site will be deemed non-confidential. PMCT will have no obligations with respect to this information. By sending PMCT any information or material, you grant PMCT an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute those materials or information and all data, images, sounds, text and other things embodied therein for any and all commercial and non-commercial purposes.

Personally identifiable information that you submit to PMCT for the purpose of receiving products or services or any other information, will be handled in accordance with the PMCT Privacy Statement on this site.


You agree to defend, indemnify and hold harmless PMCT, its officers, directors, employees and agents from and against any and all claims, liabilities, damages, losses or expenses, including reasonable attorneys’ fees and costs, arising out of or in any way connected with your access to or use of the site.

You also agree that PMCT shall be duly indemnified against any loss of any kind resulting from you accessing our website for any wrongdoing of any kind and violation of terms and conditions of this website.

We reserve the right to participate in litigation with other third parties, in settlement process, or arbitration for any abuse undertaken by you or against you should it come to our notice that such abuse has involved the use of our website. We also reserve the right to report you to any government, governmental agencies or participate in investigation of any wrongdoing should any come to our notice should we be consulted or whereby we deem it prudent as good practice to volunteer information so as to avoid repeat of such information. You agree to indemnify PMCT against any loss and all legitimate costs associated with us assisting with an investigation involving your visit to our website or using our services.

Your Consent and Governing Law of Agreement

PMCT maintains this site from its office in London – UK and you agree that these Terms shall be governed and construed under the UK laws, without regard to its conflicts of law principles. By using our web site, you consent to the collection and use of the information you provide to us in accordance with our Privacy Policy. You also acknowledge that we may change this Privacy Policy from time to time and without notice.

By using this site, you agree to be bound by any such revisions and should therefore periodically visit this page to determine the then current terms to which you are bound. If we do change our Privacy Policy, we will publish those changes on this page.

We make no representation that the website is appropriate or available for use from other locations or at all times. If you use the website from other locations, you are responsible for compliance with applicable local laws. We have taken reasonable steps to provide documentation for consideration with due care, however we make no representation that the website is free of errors and inaccuracies and if you do not consent to our terms and agreement we hereby give you notice not to use our website. All disputes or claims arising out of use of the website will be resolved in the United Kingdom courts.

Acceptance of terms and conditions

These ‘Terms of Use’ apply to your use of the PMCT website. Before using the website you must agree to these Terms of Use. PMCT may change these Terms of Use from time to time and by continuing to use the website you accept and agree to be bound by all changes.

The Terms of Use contain limitations of PMCT Accountants and Consultants liability and exclusions of warranties. Your access to and use of this website of PMCT Accountants and Consultants are subject to the following terms and conditions and all applicable laws that we have to implement as part of our process.

By accessing, browsing and/or using this website you agree to be bound by the following terms and conditions without limitation or qualification, and to comply with all applicable laws and regulations that we have to consider including anti-money laundering controls. If you do not agree to these Terms of Use PMCT Accountants and Consultants are not willing to allow you access to the website and the services and facilities and you must leave the website.

The website is provided on ‘as is’ and ‘as available’ basis. You expressly agree that use of this site is at your sole risk. In these Terms the following words and expressions have the following defined meanings: ‘the Website’ means the ‘PMCT’ Accountants and Consultants website.

PMCT Accountants and Consultants shall be responsible for the website maintenance and shall only be required to use its reasonable endeavours to keep the website operational. . It is expected that stated terms, conditions and functionalities would be changed at any time without notice. Please visit this website often to update yourself with stated terms and conditions.

All statements are for guidance only and professional advice should be obtained before acting on any information contained in this website as no responsibility can be accepted for loss occasioned as a result of action taken or refrained from in consequence of its contents. Our responsibility and commitment is limited to our clients only.

Termination of Agreement

PMCT reserves the right to terminate any user access to its website without giving any notice and or reason. We reserve the right to terminate our contract with you in those cases set out in our Terms and Conditions. Our agreement with you is subject to England law. We agree that the English courts have the right to hear and decide any dispute between us.

If you are a customer within the meaning of the EU Consumer Protection at our discretion either the competent court at the place of your residence, habitual residence or work, shall have the right to hear and decide any dispute between us.

Our contract with you, and the information relating to our service contained on this website, is in English .We will only communicate with you in English or the language you have chosen if we have made decision to do so.

You are prohibited from posting or transmitting to or from this website any unlawful, threatening, libellous, defamatory, obscene, pornographic, or any other material that would violate any law.

Activity Data Recording

We will record electronically the terms of your contract with us, as well as information which you provide to us. You will be able to print off a copy of our Terms and Conditions which are in force from time to time by visiting www.gesmoney.com and selecting Terms and Conditions from the bottom of any page.

Under our Terms and Conditions, we reserve the power to make changes without giving any notice to you. Any change we make will not affect a remittance transaction or deposit activity which you sent to us before you received notice of the change. Where we make changes to our Terms and Conditions, the replaced (previous) Terms and Conditions will no longer be held in the system and will not be accessible to you. Accordingly, we recommend that if you wish to retain a copy of the Terms and Conditions as in force in relation to a particular remittance activity, take reasonable steps to have a copy of the Terms and Conditions just before you issued your instruction for referral purpose only. We are not permitting you to duplicate our Terms and Conditions for any other purpose.

Money Laundering and other Fraudulent Activities

PMCT Accountants and Consultants fully complies with applicable laws and good governance practices, and for this reason we do not condone or allow our platform to be used for any money laundry activity. Whereby we have reason of suspicion whether justified or not we reserve our right to refuse to remit or accept your deposit without offering reason for our actions.

In exceptional circumstances we may pass details of your activities to authorised governmental agencies for approval before any amount could be withdrawn by a Beneficiary. You shall not be informed of any ongoing investigation about your activities and whereby we have reasonable doubt about legitimacy of your activity be assured that appropriate authorities are also in the known and your right stated under our Privacy Policy will also be waived.

Cancellation Rights

Contracting with PMCT Accountants and Consultants and your right to cancel herein, we provide you with information about the steps you must take if you wish to use our service, where you have not used it before. Please note we reserve all rights to deduct or transaction and administration cost.

Under laws relating to online contracts, you have a right to cancel your contract with us at any time within fourteen days beginning on the day after you indicated your acceptance of our Terms and Conditions. This right of cancellation continues until the expiry of fourteen days beginning on the day after your acceptance of our Terms and Conditions provided there is no historical transaction activity regarding remittance operation.

Your right of cancellation under laws relating to online contracts is in addition to your contractual right to terminate your agreement with us, as well as your contractual right to receive a refund in certain cases. Under our Terms and Conditions, you may terminate your agreement, with us by giving us one day’s notice using any of the means for cancellation stated on our website. We have a similar right of terminate your agreement without offering you any reason for our action. Cancellation does not imply deletion of your data and historical transactions as we are required by law to keep data for regulatory reasons for at least 6 years.

You may cancel (and in so doing terminate) your contract with us by:

• Send a fax to 0208 8855 200

• Writing to us at: Unit 131 Tudorleaf Business Centre, 2 – 8 Fountayne Road, London, N15 4QL

• Emailing us at customersupport@pmctaccountants.com

We will accept any notice which indicates, in whatever form of words that you wish to cancel your contract with us.

Restrictions on Use

You are authorised to view, copy and print the materials appearing on this website, subject to the following:

• The materials may be used for internal informational and non-commercial purposes only.

• You are not to copy, distribute, modify, transmit, reuse, repost or otherwise display the website content for public or commercial purposes, without the express written consent of the PMCT Accountants and Consultants – Legal Team authorising use for such purpose(s).

• Any copy of these materials or any portion thereof must include the copyright notice below.

• You are not to use this website or any related services for any purpose that is unlawful or prohibited by this Agreement.

• You are not to use any device, software or action, including but not limited to, bots, spiders, viruses, worms or time bombs, designed to damage or otherwise interfere with the website or to intercept or expropriate any system, data or personal information contained at the website including any attempt to false presentation via any link and phishing.

• You are not to use the website or related services for chain letters, junk mail, spamming or to engage in illegal activities

• You agree that you will not use this website to violate any country laws, or conduct any other activity that gives rise to some liability or otherwise harm the goodwill associated with our trademarks.

PMCT Accountants and Consultants will terminate any or all of your rights to use this website if at any time for any reason if a clause of this agreement is breached. We reserve the right to seek cost, losses and damages against you. Breaching any part of this agreement implies you waive you rights under our Privacy Policy and we reserve our right to publish whatever data we have concerning you at a time of our choosing and mediums of our choice. Where we deem it appropriate as service to the general public we shall secure your photograph to add to our publication for the benefit of website users.

Intellectual Property Rights

The trademarks and services marks on this site are the property of PMCT and may not be used without permission from us.

All communication, postings, and uploads to this website become the exclusive property of PMCT Accountants and Consultants. You are not to reproduce, reverse engineer, disassemble, modify or create derivative works from the website. You are not to remove any copyright, trademark or other intellectual property or proprietary notice or legend contained on this website or its content.

This web site is © 2005-2013 PMCT Accountants and Consultants. All rights reserved.


This website may contain links to other web sites which are not under the control of PMCT Accountants and Consultants. These links are provided only for the user’s convenience and PMCT Accountants and Consultants are not responsible for the contents or transmission of any website to which a link is provided. PMCT Accountants and Consultants does not endorse any such websites or make any representation that they are error or virus free. The disclaimer of warranties below also applies to any linked website.

Disclaimer and Warranties

PMCT is not responsible for the accuracy or content of websites of other providers which may have links from this website. In creating hypertext links to any other website, PMCT is not recommending that website or giving any assurances as to its standing.

The information contained in this website may contain errors or inaccuracies, and is provided to you “as is,” for your informational purposes only, without warranty of any kind, including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement.

In no event will PMCT be liable to any party for any direct, indirect, special or other consequential damages, relating to or arising out of the use of this website, including specifically any lost profits, business interruption or loss of data, even if PMCT is expressly advised about the possibility of such damages.

PMCT may make changes or improvements to the information displayed on this website, or to the products or services described herein at any time without notice.

Contact PMCT

Address:Unit 322b, Ability House, 121 Brooker Road, Waltham Abbey, EN9 1JH
Phone: 02080048040
Fax: 02080048040
Phone: (++44)208 8855 200
Email: customersupport@pmctaccountants.com.

Business Hours is from 09:00 HRS – 17:00 HRS GMT

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Proficient Management Consulting and Training (PMCT) specialise in accounting, consulting and training services. We are committed to providing you with an end-to-end integrated services, IT solutions and products that meets personal and businesses unique requirements.

PMCT specialise in Accounting Services, Taxation, Consultancy, Risk Management, Software Solutions, Data Management, Financial Product Development, Risk Management, Compliance & Regulatory Reporting, OTC Financials, Emerging Markets and Training.

PMCT models are not just one of the very best but unique as our approach focuses on solution delivery tailored to satisfy specific client needs and requirements. PMCT provide progressive intelligent solutions to meet specific requirements of a business sector and or client regardless of size and geographical placement.

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