Terms and conditions

See below for our full list of terms and conditions for business cards, international payments, and our website.

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Website terms

You are only allowed to use this site on the condition that you agree to be bound by the following Terms of Use of this website. These terms apply only to the use of this website. Our services are governed by a separate set of Terms and Conditions. Our treatment of information collected about you is governed by our Privacy Policy. 

Volopa is a registered trade name of Volopa Financial Services (Scotland) Limited, authorised by the Financial Conduct Authority FCA FRN 554549 as a ‘Authorised Payment Institution’ (Company No SC399401) referred to as Volopa for this notice. Volopa Financial Services (Scotland) Limited may change the contents of this website or withdraw it from use completely without any liability to you the user. 

You agree that you are fully responsible and will use your own judgment for the use of this website. The rate of currency conversion displayed on this website is the same rate you will receive when converting currency with Volopa in the app and online (excluding Volopa’s commission). 

Foreign Exchange rates can fluctuate. The details provided on this website and any related documents and transmissions are intended for information purposes only. They are not intended as a solicitation of funds or a recommendation to trade. Volopa Financial Services (Scotland) Limited does not accept any liability for loss or damages arising from acts or omissions that arise as a result of the reading or interpretation of any information contained on this website. Furthermore, Volopa Financial Services (Scotland) Limited makes no representation or warranty pertaining to the accuracy of information contained on this site, the suitability of this information for your needs or that this website is free from viruses. 

By using this website you agree not to copy, reproduce, modify, distribute, transmit, display, publish or create derivative works from any of the information or material on this website. You agree that you will not use this website for unlawful purposes, speculative purposes or investment purposes. This agreement is governed in all respects by English law, in the High Courts of London. You agree to settle any possible disputes arising in relation to this website will be decided by English Courts.


The contents of this website are copyright protected ©. You agree not to infringe any of the intellectual property rights of Volopa Financial Services (Scotland) Limited.

This is a sample page.


Our refund and returns policy lasts 30 days. If 30 days have passed since your purchase, we can’t offer you a full refund or exchange.

To be eligible for a return, your item must be unused and in the same condition that you received it. It must also be in the original packaging.

Several types of goods are exempt from being returned. Perishable goods such as food, flowers, newspapers or magazines cannot be returned. We also do not accept products that are intimate or sanitary goods, hazardous materials, or flammable liquids or gases.

Additional non-returnable items:

  • Gift cards
  • Downloadable software products
  • Some health and personal care items

To complete your return, we require a receipt or proof of purchase.

Please do not send your purchase back to the manufacturer.

There are certain situations where only partial refunds are granted:

  • Book with obvious signs of use
  • CD, DVD, VHS tape, software, video game, cassette tape, or vinyl record that has been opened.
  • Any item not in its original condition, is damaged or missing parts for reasons not due to our error.
  • Any item that is returned more than 30 days after delivery


Once your return is received and inspected, we will send you an email to notify you that we have received your returned item. We will also notify you of the approval or rejection of your refund.

If you are approved, then your refund will be processed, and a credit will automatically be applied to your credit card or original method of payment, within a certain amount of days.

Late or missing refunds

If you haven’t received a refund yet, first check your bank account again.

Then contact your credit card company, it may take some time before your refund is officially posted.

Next contact your bank. There is often some processing time before a refund is posted.

If you’ve done all of this and you still have not received your refund yet, please contact us at {email address}.

Sale items

Only regular priced items may be refunded. Sale items cannot be refunded.


We only replace items if they are defective or damaged. If you need to exchange it for the same item, send us an email at {email address} and send your item to: {physical address}.


If the item was marked as a gift when purchased and shipped directly to you, you’ll receive a gift credit for the value of your return. Once the returned item is received, a gift certificate will be mailed to you.

If the item wasn’t marked as a gift when purchased, or the gift giver had the order shipped to themselves to give to you later, we will send a refund to the gift giver and they will find out about your return.

Shipping returns

To return your product, you should mail your product to: {physical address}.

You will be responsible for paying for your own shipping costs for returning your item. Shipping costs are non-refundable. If you receive a refund, the cost of return shipping will be deducted from your refund.

Depending on where you live, the time it may take for your exchanged product to reach you may vary.

If you are returning more expensive items, you may consider using a trackable shipping service or purchasing shipping insurance. We don’t guarantee that we will receive your returned item.

Need help?

Contact us at {email} for questions related to refunds and returns.

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