Complaints Policy.
Thero Markets Limited

Overview

At Thero Markets Limited (“Thero”, “we”, “us”, or “our”), we are committed to delivering a high standard of service.

We are your first point of contact for any queries, concerns, or complaints. All complaints will be handled in accordance with our internal complaints process and applicable regulatory standards.

How we handle complaints

When a complaint is received:

  • We will acknowledge your complaint within one (1) business day 

  • We will confirm that your complaint has been received and is under review 

We aim to resolve all complaints within 15 business days of receipt.

Exceptional circumstances

In certain cases, where additional time is required, we may take up to 35 business days to issue a final response.

If this occurs, you will receive a holding response within 15 business days, which will include:

  1. The reason for the delay 

  2. The expected date of our final response (not exceeding 35 business days) 

Information required

To help us investigate your complaint efficiently, please provide:

  • Client name 

  • Date of event (e.g. transaction date) 

  • Full details of the complaint 

  • Contact details (email and phone number) 

Our partner structure

Thero operates as a multi-agency foreign exchange and payments brokerage. We work with regulated e-money and payments institution partners to deliver services.

These include:

  • Currencycloud 

  • Ebury 

  • Sciopay 

  • GC Partners 

These partners ultimately provide regulated payments and e-money services in the UK, EU, and the United States.

As regulated financial institutions, these partners have specific obligations regarding complaints handling.

  • We will keep our partners informed of any complaints relating to the regulated services they provide 

  • They oversee our complaints handling to ensure it meets regulatory standards 

Escalation to partners

If:

  • Your complaint relates to regulated payments or e-money services, and 

  • You are not satisfied with how it has been handled by us, or 

  • Your complaint has not been acknowledged or addressed 

You may contact our partners directly:

Financial Ombudsman Service (FOS)

If you are not satisfied with our final response, you may escalate your complaint to the Financial Ombudsman Service (FOS) free of charge.

You must refer your complaint within 6 months of receiving our final response.

If you do not refer your complaint within this timeframe, the Ombudsman may not be able to consider your case, except in limited circumstances.

Further information:
https://www.financial-ombudsman.org.uk/make-complaint

The Financial Ombudsman Service will independently review your complaint and issue a final decision.

How to submit a complaint

If you are a client of Thero Markets, you can contact your designated account manager directly by phone or email.

Alternatively, you can contact us via:

Email: operations@thero-markets.com

Post:
Thero Markets Limited
Formal House
60 St Georges Place
Cheltenham
England
GL50 3PN

Our complaints team will ensure your complaint is formally recorded and handled promptly.

Expert-led foreign exchange and international payments.

operations@thero-markets.com

Thero Markets Limited

Formal House,

60 St. Georges Place

Cheltenham,

England,

GL50 3PN

Thero Markets Limited (company registration number 16986548), trading as Thero Markets. Head office: Formal House, 60 St Georges Place, Cheltenham, England, GL50 3PN. Thero has carefully selected industry leading fintech and foreign exchange partners to provide our clients with regulated services and products:

Thero Markets Limited operates as a multi-agency currency broker. We maintain a strategic panel of regulated payment and investment partners, allowing us to source the most competitive pricing, diverse currency liquidity, and secure global payment routes for our clients. By working with multiple industry-leading institutions rather than a single provider, we ensure our clients benefit from a robust, flexible, and fully regulated financial infrastructure tailored to their specific cross-border needs.

Thero Markets’ Payment and Foreign Currency Exchange Services are provided by Thero Markets Partners UK Limited. Theromarkets is partnered with Thero Markets Partners UK Limited as a Programme Manager. Thero Markets Partners UK Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Financial Services Register No. 900797). Thero Markets Partners UK Limited is registered with the Information Commissioner's Office, with registration number: ZA345828.

Sciopay: Foreign Exchange and Payment Services for customers introduced by Monfor to Sciopay Ltd are provided solely by Sciopay Ltd. Sciopay Ltd is a company incorporated in England & Wales with Registration No: 12352935. Sciopay Ltd is licensed and regulated by HMRC as a Money Service Business (MSB) with Licence No: XCML00000151326. Sciopay Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution with Firm Reference Number: 927951

Please note: Testimonials and case studies shared on our website reflect individual customer experiences. Results may vary depending on personal circumstances. The rates displayed are live interbank rates, not the exchange rates which we offer, and are for indicative purposes only. Please contact us or log into the online platform for our Spot/Forward exchange rates.

Expert-led foreign exchange and international payments.

operations@thero-markets.com

Thero Markets Limited

Formal House,

60 St. Georges Place

Cheltenham,

England,

GL50 3PN

Thero Markets Limited (company registration number 16986548), trading as Thero Markets. Head office: Formal House, 60 St Georges Place, Cheltenham, England, GL50 3PN. Thero has carefully selected industry leading fintech and foreign exchange partners to provide our clients with regulated services and products:

Thero Markets Limited operates as a multi-agency currency broker. We maintain a strategic panel of regulated payment and investment partners, allowing us to source the most competitive pricing, diverse currency liquidity, and secure global payment routes for our clients. By working with multiple industry-leading institutions rather than a single provider, we ensure our clients benefit from a robust, flexible, and fully regulated financial infrastructure tailored to their specific cross-border needs.

Thero Markets’ Payment and Foreign Currency Exchange Services are provided by Thero Markets Partners UK Limited. Theromarkets is partnered with Thero Markets Partners UK Limited as a Programme Manager. Thero Markets Partners UK Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Financial Services Register No. 900797). Thero Markets Partners UK Limited is registered with the Information Commissioner's Office, with registration number: ZA345828.

Sciopay: Foreign Exchange and Payment Services for customers introduced by Monfor to Sciopay Ltd are provided solely by Sciopay Ltd. Sciopay Ltd is a company incorporated in England & Wales with Registration No: 12352935. Sciopay Ltd is licensed and regulated by HMRC as a Money Service Business (MSB) with Licence No: XCML00000151326. Sciopay Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution with Firm Reference Number: 927951

Please note: Testimonials and case studies shared on our website reflect individual customer experiences. Results may vary depending on personal circumstances. The rates displayed are live interbank rates, not the exchange rates which we offer, and are for indicative purposes only. Please contact us or log into the online platform for our Spot/Forward exchange rates.

Expert-led foreign exchange and international payments.

operations@thero-markets.com

Thero Markets Limited

Formal House,

60 St. Georges Place

Cheltenham,

England,

GL50 3PN

Thero Markets Limited (company registration number 16986548), trading as Thero Markets. Head office: Formal House, 60 St Georges Place, Cheltenham, England, GL50 3PN. Thero has carefully selected industry leading fintech and foreign exchange partners to provide our clients with regulated services and products:

Thero Markets Limited operates as a multi-agency currency broker. We maintain a strategic panel of regulated payment and investment partners, allowing us to source the most competitive pricing, diverse currency liquidity, and secure global payment routes for our clients. By working with multiple industry-leading institutions rather than a single provider, we ensure our clients benefit from a robust, flexible, and fully regulated financial infrastructure tailored to their specific cross-border needs.

Thero Markets’ Payment and Foreign Currency Exchange Services are provided by Thero Markets Partners UK Limited. Theromarkets is partnered with Thero Markets Partners UK Limited as a Programme Manager. Thero Markets Partners UK Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Financial Services Register No. 900797). Thero Markets Partners UK Limited is registered with the Information Commissioner's Office, with registration number: ZA345828.

Sciopay: Foreign Exchange and Payment Services for customers introduced by Monfor to Sciopay Ltd are provided solely by Sciopay Ltd. Sciopay Ltd is a company incorporated in England & Wales with Registration No: 12352935. Sciopay Ltd is licensed and regulated by HMRC as a Money Service Business (MSB) with Licence No: XCML00000151326. Sciopay Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution with Firm Reference Number: 927951

Please note: Testimonials and case studies shared on our website reflect individual customer experiences. Results may vary depending on personal circumstances. The rates displayed are live interbank rates, not the exchange rates which we offer, and are for indicative purposes only. Please contact us or log into the online platform for our Spot/Forward exchange rates.

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