Sedber (Ireland) Limited is a company registered in Ireland (Registration number 642755). Registered address: Unit 3d North Point House, North Point Business Park, New Mallow Road, Cork. Office address: 195-197 Victoria Street, London, WC1 3EX United Kingdom.
Funds are safeguarded by our FCA regulated e-money partners at a credit institution (see Chapter 10 of the FCA's Payment Service Regulations Approach Document, beginning on page 157). For more information please see below.
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REGULATIONS
Canada Regulations
The Currency Cloud Limited is authorised by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) for the issuing of electronic money with Money Services Business (MSB) registration number M14700991.
The Netherlands Regulations
Currencycloud B.V. is authorized by De Nederlandsche Bank (DNB) for the issuing of electronic money with Relation number DNB: R142701.​
UK Regulations
The Currency Cloud Ltd
FCA authorised and regulated:
The Currency Cloud Ltd is a company registered in England and Wales (Registration number 06323311). Authorised by the Financial Conduct Authority under the Electronic Money Regulations act of 2011 for the issuing of electronic money and the provision of payment services (FCA registration number 900199).
Funds are safeguarded by our FCA regulated e-money partners at a credit institution
US Regulations
CFSB – Community Federal Savings Bank
In the US Currency Cloud operates through sponsor relationships with CFSB to facilitate payments in all 50 states.
CFSB fully owns the bank program and services are provided by The Currency Cloud Inc.
CFSB is registered with the Federal Deposit Insurance Corporation (FDIC Certificate# 57129)
Alaska
Alaska Division of Banking & Securities
For Alaska Residents Only:
If your issue is unresolved by The Currency Cloud Inc., please submit formal complaints with the State of Alaska, Division of Banking & Securities.
Formal complaints must be in writing, please download the form here.
Formal complaint forms may be submitted via:
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Fax: (907) 465-1230
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Email: msb_licensing@alaska.gov
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Mail: Division of Banking & Securities, P.O. Box 110807 Juneau, AK 99811-0807
If you have any questions regarding formal complaints, please call (907) 465-2521.
Please note that this license does not cover the transmission of virtual currency.
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California
California Department of Business Oversight
If you have complaints with respect to any aspect of the money transmission activities conducted at this location, you may contact the California Department of Business Oversight:
Department of Business Oversight Consumer Services 1515 K Street, Suite 200 Sacramento, CA 95814 Tel: 1-866-275-2677 Email: consumer.services@dbo.ca.gov
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Colorado
Colorado Division of Banking
CUSTOMER NOTICE
Entities other than FDIC insured financial institutions that conduct money transmission activities in Colorado, including the sale of money orders, transfer of funds, and other instruments for the payment of money or credit, are required to be licensed by the Colorado Division of Banking pursuant to the Money Transmitters Act, Title 11, Article 110, Colorado Revised Statutes.
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If you have a Question about or Problem with YOUR TRANSACTION – THE MONEY YOU SENT:
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You must contact the Money Transmitter who processed your transaction for assistance. The Division of Banking does not have access to this information.
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If you are a Colorado Resident and have a Complaint about THE MONEY TRANSMITTER – THE COMPANY THAT SENT YOUR MONEY:
All complaints must be submitted in writing. Please fill out the Complaint Form provided on the Colorado Division of Banking’s website and return it and any documentation supporting the complaint via mail or email to the Division of Banking at:
Colorado Division of Banking 1560 Broadway, Suite 975 Denver, CO 80202 Email: DORA_BankingWebsite@state.co.us Website: www.dora.colorado.gov/dob
Florida
Florida Office of Financial Regulation
For complaints directly to the Florida Office of Financial Regulation, please send correspondence to:
Florida Office of Financial Regulation 200 E. Gaines Street Tallahassee, FL 32399-0376 Tel: 1-800-848-3792
Illinois
Illinois Department of Financial and Professional Regulation
For consumer complaints, please contact:
Illinois Department of Financial and Professional Regulation Division of Financial Institutions 320 W. Washington Springfield, IL 62786 Tel: 1-855-351-2274
Indiana
Indiana Department of Financial Institutions
The Currency Cloud Inc. holds a Money Transmitter license issued by the Indiana Department of Financial Institutions. This license does not cover virtual currency transactions.
Maryland
Maryland State Bank Commissioner
The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding The Currency Cloud Inc., at:
500 North Calvert Street, Suite 402, Baltimore, MD 21202 or at 1-888-784-0136.
SECURITY
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Technical Security
The security of your data and money is taken very seriously by our strategic partner Currency Cloud Ltd. They are ISO/IEC 27001:2013 compliant and consistently review and enhance there processes and systems to ensure that they remain secure.
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Physical security
Their service operates on Amazon Web Services (AWS) which is certified under a number of global compliance programmes which underlines best practices in terms of data centre security.
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ISO 27001 Information Security Management Controls
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ISO 27018 Personal Data Protection
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PCI-DSS Level 1 Payment Card Standards
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SSAE16/SOC 1, SOC2 and SOC 3
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FIPS United States Government Security Standards
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For the full list of AWS compliance programs see: https://aws.amazon.com/compliance/pci-data-privacy-protection-hipaa-soc-fedramp-faqs/
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For more information about AWS data centre controls please follow this link: https://aws.amazon.com/compliance/data-center/controls/
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Encryption
All network traffic is encrypted at a transport level and confidential information is encrypted at rest. We use best practices in terms of encryption key storage and security.
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Safeguarded bank accounts
Funds are safeguarded by our FCA-regulated e-money partners at a credit institution. In the unlikely event of Currency Cloud ceasing to exist, your money remains protected.
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