Terms & Conditions

GGS Forex provides foreign exchange and travel-related financial services through its authorized operations, partners, banks, insurers, payment providers, card issuers, telecommunications providers and other service providers, as applicable.

Our services may include:

• Foreign Currency Exchange
• Travel/Forex Cards
• International Money Transfer and Remittance
• Travel Insurance
• International SIM/eSIM services
• Travel-related financial and support services
• Online forex booking and order fulfilment
• Other services displayed on our website from time to time

Certain services may be provided directly by GGS Forex, while others may be facilitated through authorized third-party providers.

By using our website or services, you confirm that:

• You have read these Terms.
• You understand the nature of the service you are requesting.
• You agree to comply with applicable laws and regulations.
• All information and documents provided by you are accurate and genuine.
• You will not use our services for unlawful purposes.
• You are legally capable of entering into a binding transaction.

GGS Forex may refuse or suspend a transaction where information is incomplete, inaccurate, suspicious, fraudulent or otherwise unacceptable under applicable law or our internal policies.

To use our financial and forex services, you must generally:

• Be at least 18 years of age, unless a specific service permits otherwise under applicable law.
• Provide valid identification and KYC documentation where required.
• Provide accurate personal and transaction information.
• Provide valid travel documents where required.
• Comply with applicable foreign exchange, tax, AML/CFT and other legal requirements.

Certain transactions may be subject to additional eligibility requirements.

GGS Forex may facilitate the purchase and sale of foreign currency subject to applicable laws, regulations, availability and transaction requirements.

Currency Rates

Foreign exchange rates are dynamic and may change based on:

• Market movements
• Currency availability
• Supplier/partner rates
• Transaction timing
• Currency denomination
• Transaction size
• Applicable charges or taxes

The exchange rate displayed at the time of enquiry is not necessarily a guaranteed transaction rate.

A rate becomes applicable to a transaction only when the order is accepted, the applicable payment is received and the transaction is confirmed by GGS Forex or the relevant authorized provider.

Currency Availability

Currency availability may vary by:

• Destination
• Currency
• Denomination
• Stock availability
• Regulatory restrictions
• Supplier availability

GGS Forex may provide an alternative denomination, delivery date or fulfilment option where appropriate.

Customers may submit currency orders through our website or other available channels.

A booking or order request does not automatically constitute final acceptance.

Unless otherwise specified:

• Rates may remain subject to confirmation.
• Orders may be subject to availability.
• Payment may be required within the specified period.
• Orders may be cancelled if payment is not received within the applicable period.
• Additional documentation may be requested before fulfilment.

Unless otherwise communicated, currency booking requests may remain valid for up to 24 hours.

GGS Forex reserves the right to modify, reject or cancel an order where payment is delayed, information is incomplete, currency is unavailable, documentation is inadequate or the transaction cannot legally or operationally be fulfilled.

Customers may be required to make payment through approved payment methods.

Payment may be made through:

• Bank transfer
• Internet banking
• UPI
• Approved payment gateway
• Cheque or other permitted methods
• Other payment methods displayed or communicated by GGS Forex

A transaction will generally be processed only after the required payment has been successfully received and verified.

GGS Forex may require additional verification where the payer's name does not match the customer or transaction information.

Payments from unrelated third parties may be restricted or rejected where required for compliance, fraud prevention or regulatory reasons.

Customers must provide valid documentation whenever required.

Depending on the service and transaction, documents may include:

• PAN
• Passport
• Visa
• Air ticket/travel document
• Proof of address
• Identity documents
• Purpose-of-travel documentation
• Bank/payment information
• Supporting documents for remittance
• Any additional documents required under applicable regulations

Documents must be genuine, valid and legible.

GGS Forex may verify documents through internal checks, authorized service providers, banks or other permitted verification mechanisms.

Failure to provide required documentation may result in the transaction being delayed, rejected, suspended or cancelled.

Foreign exchange transactions are subject to applicable Indian laws, rules, regulations, directions and limits.

Customers are responsible for providing truthful information regarding:

• Purpose of transaction
• Travel details
• Source of funds
• Beneficiary details
• Relationship with beneficiary
• Supporting documentation

GGS Forex may decline, hold, modify or report a transaction where required by applicable law, regulatory requirements, sanctions screening, AML/CFT procedures or internal risk controls.

Where GGS Forex facilitates international transfers or remittance services, the transaction may be processed through an authorized bank, financial institution, payment provider or other permitted service provider.

Customers may be required to provide:

• Sender information
• Beneficiary information
• Bank account details
• SWIFT/BIC information
• Purpose of remittance
• Supporting documents
• Relationship with beneficiary
• Source of funds information
• Other information required by the relevant provider or applicable law

Transfer times may vary depending on:

• Destination country
• Receiving bank
• Correspondent banks
• Currency
• Compliance checks
• Weekends and holidays
• Banking cut-off times
• Regulatory requirements

GGS Forex does not guarantee a specific delivery time unless expressly confirmed in writing.

Where GGS Forex facilitates forex or travel cards, card issuance and operation may be subject to the terms of the relevant card issuer, bank, card network or authorized provider.

Customers may be required to complete separate application, KYC and verification procedures.

The relevant provider may determine:

• Card eligibility
• Card limits
• Supported currencies
• Loading/reloading limits
• ATM availability
• Merchant acceptance
• Charges
• Foreign exchange conversion
• Card suspension or closure

Customers should review the applicable cardholder agreement and provider terms before using the card.

Where GGS Forex facilitates travel insurance, the insurance policy is issued by the relevant insurer or authorized insurance provider.

GGS Forex may act as a facilitator, distributor, intermediary or service provider as applicable to the specific product.

The following are governed by the applicable insurance policy:

• Coverage
• Exclusions
• Premium
• Deductibles
• Claims
• Policy period
• Eligibility
• Cancellation
• Benefits
• Limitations

Purchasing insurance through GGS Forex does not guarantee claim approval.

Claims are subject to the insurer's policy terms, conditions, exclusions and assessment.

International SIM/eSIM services may be supplied through third-party telecommunications providers.

Service availability may depend on:

• Destination country
• Network coverage
• Device compatibility
• eSIM support
• Activation requirements
• Local network conditions
• Provider restrictions

Customers are responsible for ensuring that their device is compatible, unlocked where necessary and capable of supporting the purchased service.

GGS Forex is not responsible for network outages, signal limitations, local telecommunications restrictions or circumstances outside our reasonable control.

An order is considered confirmed only when GGS Forex or the relevant service provider has accepted the transaction and issued appropriate confirmation.

A website submission, enquiry, rate display, quotation or preliminary booking does not by itself guarantee fulfilment.

Customers should retain their order confirmation and transaction reference for future communication.

Depending on the service, products may be:

• Collected from an authorized location
• Delivered to the customer's nominated address
• Delivered through an authorized logistics provider
• Provided digitally
• Fulfilled electronically through a third-party provider

Customers must provide accurate delivery and contact information.

GGS Forex may not be responsible for delays caused by:

• Incorrect customer information
• Customer unavailability
• Courier/logistics delays
• Public holidays
• Force majeure
• Security or regulatory checks
• Third-party service interruptions

Identity verification may be required before delivery or collection.

Cancellation and refund requests are governed by our applicable Cancellation & Refund Policy, as published on the website.

Refund eligibility may depend on:

• Type of service
• Transaction status
• Payment method
• Currency availability
• Third-party provider terms
• Applicable charges
• Regulatory requirements

Certain transactions may become non-refundable once processing, issuance, delivery or third-party fulfilment has commenced.

Where a refund is approved, it may be processed through the original or an approved payment method.

Customers should refer to the latest Cancellation & Refund Policy before placing an order.

Certain products or services may be provided by third parties.

These may include:

• Banks
• Authorized financial institutions
• Payment processors
• Card issuers
• Card networks
• Insurance companies
• Telecom/eSIM providers
• KYC providers
• Courier companies
• Technology providers

Third-party services may be governed by additional terms and privacy policies.

Where a third party is directly responsible for the provision of a product or service, its applicable terms may apply in addition to these Terms.

Customers agree to:

• Provide accurate information.
• Provide genuine documents.
• Keep account and transaction information secure.
• Use services only for lawful purposes.
• Comply with applicable laws.
• Notify GGS Forex promptly of incorrect transaction information.
• Not attempt to manipulate rates, systems or transactions.
• Not use our services for fraud, money laundering or prohibited activities.
• Not provide false or misleading information.

Customers are responsible for losses arising directly from materially incorrect information supplied by them, subject to applicable law.

You must not use GGS Forex services for:

• Fraudulent activities
• Money laundering
• Terrorist financing
• Sanctions evasion
• Illegal trade
• Identity theft
• Payment fraud
• Unauthorized transactions
• Misrepresentation
• Any unlawful activity

GGS Forex may suspend or terminate a transaction or account where prohibited or suspicious activity is identified.

Where required, information may be reported to competent authorities.

For security, compliance and fraud prevention, transactions may be subject to:

• KYC checks
• AML/CFT screening
• Sanctions screening
• Fraud checks
• Transaction monitoring
• Manual review
• Additional document requests

Such checks may result in processing delays.

GGS Forex may decline or suspend transactions where necessary to comply with legal, regulatory or risk requirements.

You agree not to:

• Attempt unauthorized access to our systems.
• Interfere with website functionality.
• Introduce malicious software.
• Scrape or systematically copy website content without permission.
• Circumvent security measures.
• Use automated systems in a manner that harms our services.
• Misrepresent your identity.
• Use the website for unlawful purposes.

We may restrict or terminate access where misuse is identified.

We make reasonable efforts to maintain accurate information on our website.

However:

• Rates may change without notice.
• Product availability may change.
• Third-party information may change.
• Website content may occasionally contain errors.
• Services may be temporarily unavailable.

Website information should not be interpreted as a guarantee of a particular exchange rate, transaction outcome or service availability unless expressly confirmed.

All content on the GGS Forex website, including:

• Logos
• Brand names
• Text
• Graphics
• Images
• Videos
• Software
• Website design
• Layout
• Icons
• Trademarks
• Other intellectual property

is owned by or licensed to GGS Forex unless otherwise stated.

You may not reproduce, distribute, modify, publish or commercially exploit our content without prior written permission.

Your use of GGS Forex services is also subject to our Privacy Policy.

We may collect and process personal, financial, KYC and transaction information as necessary to provide services, comply with legal requirements, prevent fraud, maintain records and operate our business.

Please review our Privacy Policy for detailed information regarding collection, use, sharing, retention and protection of personal information.

By using our website or providing your contact information, you consent to receiving necessary service-related communications through appropriate channels, including:

• Email
• SMS
• Telephone
• WhatsApp
• Website notifications
• Other electronic communication channels

These communications may relate to transactions, payments, KYC, security, service updates, cancellations or regulatory requirements.

Marketing communications will be handled in accordance with applicable law and our Privacy Policy.

To the extent permitted by applicable law, GGS Forex will not be responsible for losses arising from circumstances outside our reasonable control, including:

• Market fluctuations
• Currency rate changes
• Bank delays
• Correspondent bank delays
• Third-party service interruptions
• Telecom/network outages
• Courier delays
• Government restrictions
• Regulatory actions
• Force majeure events
• Website or technology interruptions
• Incorrect information provided by customers

Nothing in these Terms excludes liability that cannot legally be excluded or limited.

GGS Forex shall not be liable for delays or inability to perform services caused by events beyond reasonable control, including:

• Natural disasters
• War
• Civil unrest
• Government restrictions
• Regulatory changes
• Banking system failures
• Cyber incidents
• Telecommunications failures
• Power failures
• Pandemics or public health emergencies
• Strikes
• Third-party infrastructure failures

We will make reasonable efforts to restore or continue affected services where practicable.

GGS Forex may suspend, restrict or terminate access to services where:

• Required KYC documents are not provided.
• Information appears inaccurate or fraudulent.
• Suspicious activity is detected.
• A transaction may violate applicable law.
• Payment is not received.
• A third-party provider is unable to fulfil the service.
• The customer breaches these Terms.
• Required by a competent authority.

Termination or suspension does not affect rights or obligations that arose before termination.

Customers may contact GGS Forex regarding:

• Transactions
• Payments
• Bookings
• Refunds
• KYC
• Service issues
• Privacy concerns
• Complaints

Email: support@ggsforex.com

Phone: +91 9896038666

Please provide your transaction/order reference wherever possible so that we can investigate the matter efficiently.

GGS Forex may update these Terms from time to time to reflect:

• Changes in law or regulation
• Changes to our products
• Changes to our service providers
• Technology updates
• Business requirements
• Security requirements

The updated version will be published on this page with the applicable effective date.

Your continued use of the website or services after an updated version becomes effective constitutes acceptance of the updated Terms, to the extent permitted by applicable law.

These Terms shall be governed by and interpreted in accordance with the laws of India.

Subject to applicable law and regulatory requirements, disputes shall be subject to the jurisdiction of the competent courts at New Delhi, India.

Nothing in these Terms prevents a customer from exercising any mandatory statutory or regulatory right available under applicable law.

These Terms, together with the applicable:

• Privacy Policy
• Cancellation & Refund Policy
• Product-specific terms
• Cardholder terms
• Insurance policy terms
• Third-party provider terms

constitute the applicable framework governing your use of our services.

Where a specific product or regulatory requirement conflicts with these general Terms, the applicable product-specific or legally mandatory provision will prevail to the extent of the conflict.

GGS Forex Private Limited

Email: support@ggsforex.com

Phone: +91 9896038666

Office Address:

SCO 43, Mahila Ashram Complex,
Behind Bus Stand, Karnal, Haryana – 132001, India

RBI FFMC License: CHG-FFMC-0128-2023

GST: 06AAJCG7454N1Z0

CIN: U67100HR2022PTC103240

Secure • Trusted • Regulated

We are committed to providing foreign exchange and travel-related services through transparent processes, responsible operations and customer-focused service.

GGS Forex — Exchange Smarter. Travel Further.