Terms & conditions of use, Privacy policy & GDPR compliance

Website Terms and conditions of use

If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use which, together with our privacy policy, govern Global Business Holdings Limited’s relationship with you in relation to this website. If you disagree with any part of these terms and conditions, you are not permitted to use our website.


The term 'CL™', 'Currency Life', 'us' or 'we' refers to the owner of the website whose registered office is

Global Business Holdings Ltd (trading as Currency Life Card) Omega Court Business Park, 370 Cemetery Road, Sheffield. S11 8FT. Our company registration number is 11637131 in The United Kingdom. The term 'you' refers to the user or viewer of our website, App and platform as well as potential business partners and clients.


The use of this website is subject to the following terms of use:

You accept that we offer no refunds for our services or assets on our platform.

The content of the pages of this website is for your general information and use only. It is subject to change without notice.


Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.


Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.


This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.


All trade marks reproduced in this website which are not the property of, or licensed to, the operator are the property of their respective trademark owners.

Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.


From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).


Your use of this website and any dispute arising out of such use of the website is subject to the laws of England and Wales.


Copyright notice


All content, unless otherwise stated, is copyright © 2019 Global Business Holdings Ltd (trading as Currency Life Card) Omega Court Business Park, 370 Cemetery Road, Sheffield. S11 8FT United Kingdom. All rights reserved.


GDPR compliance statement


Global Business Holdings Ltd. (“Currency Life”) respects and complies with the EU General Data Protection Regulations (GDPR).

Some of the key ways we comply with these regulations are:




We explain what you’re consenting to clearly and without ‘legalese’, and ask that you explicitly consent to contact from us.


Breach Notification

In the event of a breach we will notify affected users within 72 hours of first having become aware of the breach.


Right to Access


Users can request confirmation as to whether or not personal data concerning them is being processed, where and for what purpose. Further, we shall provide a copy of the personal data, free of charge, in an electronic format.


Right to be Forgotten


Once we have compared your (the subjects') rights to "the public interest in the availability of the data", we may delete your personal data where you have requested this.


Data Portability


We allow you to receive the personal data concerning you, which we will provide in a 'commonly used and machine readable format' and you have the right to transmit that data to another ‘controller’.


Privacy by Design


We implement appropriate technical and organisational measures, in an effective way, in order to meet the requirements of this Regulation and protect the rights of data subjects'. We hold and process only the data absolutely necessary for the completion of our duties (data minimisation), as well as limiting the access to personal data to those needing to act out the processing.



Privacy policy

View Link to full policies here.

CL™ Card Policies.

Refund policy

No Refunds available.

Cancellation policy

You have a legal right to cancel your account and card up to 14 days from the date your account is opened without incurring any penalty and we will refund any card issue fees. We may charge you a Card Cancellation Fee if we have already incurred costs by ordering a card in your name. If you have already completed the card ordering process, it is not possible for you to get a refund for your £4.99 Postage and Packaging (P&P) fee. You will only be entitled to this if CL cannot fulfill their card request in the allotted time. You will also be charged for the first monthly maintenance fee (£1.00) regardless of cancellation.

After this, you will be given the option to cancel your card/account and no more charges will be added. You can also cancel your card any time after the 14 day period subject to a Redemption Fee (the Fees and Limits table (section 33)) by contacting Customer Services. You should also cut your cancelled card in half through the signature box, magnetic strip and chip.



All other fees and charges will be apportioned up until the time of the termination of the contract, and any other such fees and charges paid in advance will be reimbursed proportionally. You will not be entitled to a refund of money you have already spent on transactions authorised, or pending or any fees for use of the card or account before the card or account is cancelled or expires.

Cardholder statement

  1. There are no paper statements, all statements are currently provided through Currency Life partner Apps. Please visit the Manage Card section of your Currency Life App. Website statement functionality will be added in 2020.

  2. Once registered, the user will receive regular, system generated, emails making your monthly expenditure available to review.

  3. Where transactions have been made, the online Debit Card statement must be sent to the Card Administrator no later than the 10th of the following month for authorisation.

  4. It must be ensured that the correct ledger codes on the invoice certification slip.

  5. Disputed transactions and unsatisfactory goods and services Cardholders may from time to time want to query a transaction on their statement. This can be for a number of reasons such as: the card statement lists an item that the Cardholder does not recognise, and cannot be reconciled with their Purchase transaction log the incorrect amount has been charged refunds not applied to the Debit card faulty or damaged goods supplied, refund requested goods/services not supplied wrong goods/services supplied.

We may need the Cardholder to complete a Declaration form or supply copies of correspondence with the supplier. Once they have receipt of this, the bank will perform a thorough investigation with the merchant(s) in question, and will endeavour to get the disputed amount credited back to the Cardholder’s Debit account.

A.) When an incorrect amount has been charged, the Cardholder must first approach the supplier to resolve the problem within 48 hours of the statement being made available. If the supplier insists on the transaction being genuine the Card Administrator must raise the issue with Currency Life. If no explanation follows, the transaction should be treated as a disputed item.

B.) If the Cardholder is charged for items that have not been received (goods/services),

they should firstly contact the supplier to ensure that the goods have been delivered

to the correct address. (It is a regulation set down by Visa that the transaction is not

processed until the goods are allocated for dispatch.)

If the supplier insists that the goods have been delivered, treat the transaction as a

disputed item.

The majority of the time these issues can be resolved by the Cardholder contacting

the supplier directly. If the Cardholder is unable to resolve with the supplier they should contact Currency Life Customer Services.

KYC & AML policies

Contact us via the web form on our home page for full comprehensive policies for KYC & AML.

Questions and contact information

If you would like to: access, correct, amend or delete any personal information we have about you, register a complaint, or simply want more information contact our Privacy Compliance Officer at admin@cl-cards.com or by mail at Global Business Holdings Limited below:


FAO: Privacy Compliance Officer


Global Business Holdings Ltd (trading as Currency Life Card)

Omega Court Business Park,

370 Cemetery Road,

Sheffield. S11 8FT