Legal & Regulation
Regulatory Information
UK
Lumon Pay Ltd (“LPL”), trading as Lumon, is a company registered in England and Wales, with its registered office at 20 Farringdon Road, London EC1M 3HE. LPL is authorised by the Financial Conduct Authority as an Electronic Money Institution (FRN: 902022) and provides services relating to the issuance of electronic money and payment services.
Lumon Risk Management Ltd (“LRM”), trading as Lumon, is a company registered in England and Wales (company number 06333730) with its registered office at 20 Farringdon Road, London EC1M 3HE. LRM is authorised by the Financial Conduct Authority as an Authorised Payment Institution (FRN: 567835) for the provision of payment services. LRM is also authorised and regulated by the Financial Conduct Authority as an investment firm (FRN: 671108) for the provision of its regulated investment services.
European Union (EU) and European Economic Area (EEA)
Lumon FX Europe Limited, trading as Lumon, is regulated by the Central Bank of Ireland as an electronic money institution. Lumon FX Europe Limited is registered in Ireland with its registered office at 2 Dublin Landings, North Wall Quay, Dublin 1, D01 V4A3 (registration number 631617).
Portugal
Lumon FX Europe Limited operates in Portugal through its branch, Lumon FX Europe Limited – Sucursal em Portugal. The Portuguese branch is subject to local regulatory requirements applicable to branches of EU-authorised institutions and complies with relevant obligations under Portuguese law, including those overseen by the Bank of Portugal.
Address: Praça do Marquês de Pombal n14, 1250-162 Lisboa, Portugal
USA
Payment services for Lumon Pay (Non-MIFID related products) are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here [link to: https://usa.visa.com/legal/visa-global-services-licenses.html]. VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041.
Terms & conditions and policies
| Your location | The following agreements applicable to you |
| UK or outside the EEA (European Economic Area) | Personal client terms & conditions Business client terms & conditions Complaints Procedure Privacy Policy Cookie Policy |
| EU (European Union) and EEA (European Economic Area) | Personal client terms & conditions Business client terms & conditions Complaints Procedure Privacy Policy Cookie Policy |
| For business clients located in Portugal | Business framework terms Termos do enquadramento empresarial |
| USA | Client terms & conditions Complaints Procedure Privacy Policy Cookie Policy |
Common Reporting Standard
CRS (Common Reporting Standard) is an international standard for the automatic exchange of financial account information between tax authorities in participating countries. CRS 2.0 refers to our updated account opening and tax information process, designed to comply with the OECD Common Reporting Standard (CRS). Click here to learn more.
Safeguarding
As an electronic money institution, we are required to protect or safeguard funds that you hold on account with us. Click here to find out how we do this.
Testimonial disclaimer
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