1. About MelonGram

MelonGram is a UK-based money transfer service. Our registered office is in the United Kingdom. We provide electronic money transfer services between the United Kingdom and the Federal Republic of Nigeria.

2. Regulatory Status

MelonGram operates in compliance with applicable UK financial regulations. We are subject to the oversight of the Financial Conduct Authority (FCA) and comply with:

• The Payment Services Regulations 2017.
• The Money Laundering Regulations 2017.
• Related legislation.

3. Authorised Activities

MelonGram is authorised to provide the following regulated service:

• The transmission of money from the United Kingdom to Nigeria.

We do not offer investment services, credit facilities, insurance, or any other financial product not described in our Terms of Service.

4. Consumer Protections

Your transfers with MelonGram are subject to the consumer protection provisions set out in the Payment Services Regulations 2017. Where applicable, you have rights to:

• Refunds.
• Error correction.
• Complaints resolution.

5. Complaints

If you are unhappy with our service, please contact us in the first instance:

• Email: support@melongram.com

If your complaint is not resolved to your satisfaction, you may have the right to escalate to the Financial Ombudsman Service (FOS) in the UK.

6. Governing Law

These legal disclosures and your use of MelonGram are governed by the laws of England and Wales.