Minas Center Limited – Company Information

• Company Registration Number: 05436127
• Registered Office: 4 Station Offices, Station Road, London, NW10 4XA, United Kingdom
• HMRC AML Supervision Number: XLML00000143291
• FCA Firm Reference Number (FRN): 574477
• ICO Registration: Z1455422
• Legal Entity Identifier (LEI): 2549009DU8VPDL0I3693

1. Introduction

These Terms and Conditions govern the use of services provided by Minas Center Limited (“we”, “our”, or “us”). By accessing or using our services, you agree to be bound by the terms set forth herein.

2. Scope of Services

We provide the following financial services:

• International money remittances
• Foreign currency exchange
• Utility and bill payments in Brazil and the United Kingdom
• Payment solutions for individuals and small businesses

All services are subject to customer verification, compliance review, and applicable service fees, disclosed in advance of transaction execution.

3. Customer Verification (KYC)

All clients must complete identity verification in accordance with UK Anti-Money Laundering regulations, including:

• Valid photographic ID (e.g. passport or national ID)
• Proof of address (e.g. utility bill issued within the last 3 months)
• Source of funds declaration (where applicable)

Non-compliance may result in delays, refusal of service, or account suspension.

4. Transaction Limits

We may apply limits to transactions based on regulatory requirements, risk profiles, and transaction types.

5. Fees and Exchange Rates

All fees are disclosed in advance. Exchange rates are dynamic and reflect current market conditions.

6. Data Protection

We comply with the UK GDPR and the Data Protection Act 2018. Customer data is securely stored and processed lawfully.

7. Legal and Regulatory Compliance

We comply with the Proceeds of Crime Act, the Money Laundering Regulations 2017, and all relevant FCA and HMRC guidance.

8. Complaints Handling

To file a complaint, please contact us:

Email: info@minaspay.co.uk or compliance@minastransfer.eu 
Address: 4 Station Offices, Station Road, London, NW10 4XA

We aim to respond within 15 business days.

9. Amendments

Terms may be updated from time to time. The latest version is available on our website.

Anti-Money Laundering (AML) and Compliance Policy

1. Policy Statement

Minas Center Limited adopts a risk-based approach to prevent money laundering and terrorist financing.

2. Customer Due Diligence (CDD)

Identity checks include:

• Official ID validation
• Sanctions and PEP screening
• Risk classification

Enhanced Due Diligence (EDD) applies to higher-risk scenarios.

3. Record Keeping

Customer and transaction records are retained for a minimum of 5 years in line with UK regulations.

4. Monitoring and Reporting

Transactions are monitored continuously. Suspicious activities are reported to the UK’s National Crime Agency (NCA) via SARs.

5. Staff Training

All staff receive training in AML compliance, fraud prevention, and risk management.

6. Internal Controls

Our MLRO oversees AML implementation, SAR reporting, and regulatory liaison.