Terms and Conditions

1. OVERVIEW

These Terms & Conditions govern the access to and use of the website and services provided by Morwen Payment Solutions – FZCO (“Morwen” or the “Company”). Morwen is a company incorporated in Dubai, United Arab Emirates, operating as a payment services provider and payment facilitation company in connection with domestic and international commercial transactions.

2. NATURE OF SERVICES

Morwen provides payment facilitation and transaction coordination services to commercial clients. The services may include the facilitation of outgoing payments, incoming payment collection support, and operational coordination relating to cross-border commercial transactions.
Transactions are executed strictly pursuant to client instructions and supported commercial documentation. Morwen may coordinate transaction execution through third-party banking institutions, correspondent banks, payment processors, and financial infrastructure providers.

3. REGULATORY POSITION

Morwen is incorporated and licensed in the United Arab Emirates. Morwen does not operate as a bank, deposit-taking institution, escrow provider, fiduciary, or custodian of client assets.
Where applicable, transactions may be executed through regulated banking institutions or payment infrastructure providers.

4. COMMERCIAL USE

The services offered by Morwen are intended exclusively for lawful commercial and business-related transactions.

5. CLIENT RESPONSIBILITIES

Clients are responsible for providing complete, accurate, and up-to-date information and supporting documentation relating to each transaction.
Morwen may request additional documentation, clarification, or supporting information prior to processing transactions.

6. COMPLIANCE & VERIFICATION

All clients and transactions are subject to internal compliance procedures, including KYC/KYB review, sanctions screening, transaction review, source-of-funds verification, and adverse media review where appropriate.
Morwen reserves the right to reject, suspend, delay, or discontinue any transaction or relationship that does not satisfy internal compliance requirements.

7. PROHIBITED ACTIVITIES

Morwen does not support or facilitate transactions related to:

• Sanctioned persons or jurisdictions
• Transactions lacking commercial rationale
• Illegal narcotics or controlled substances
• Weapons or arms trafficking
• Human trafficking or exploitation
• Fraudulent or deceptive schemes
• Gambling or online gaming activities
• Pornographic or sexually explicit commercial activities
• Shell-bank activity
• Counterfeit goods or illicit trade
• Any activity prohibited under applicable law

8. LIMITATION OF LIABILITY

Morwen shall not be liable for indirect, incidental, consequential, or punitive damages arising from delays, banking interruptions, correspondent banking restrictions, third-party processor failures, sanctions-related restrictions, or events beyond the Company’s reasonable control.
Nothing in these Terms & Conditions excludes liability where such exclusion is prohibited under applicable law.

9. DATA PROTECTION

Client information is processed in accordance with applicable United Arab Emirates data protection requirements and Morwen’s Privacy Policy.

10. GOVERNING LAW

These Terms & Conditions shall be governed by and construed in accordance with the laws of the United Arab Emirates.
Any disputes relating to these Terms & Conditions shall be subject to the jurisdiction of the courts of Dubai, United Arab Emirates.