Terms & Conditions


These Terms & Conditions ('Agreement') are a legal agreement between you and Fixed & Mobile Pte. Ltd., ('DT One') that governs your purchase of our products. DT One operates a global network for the sale of mobile and data top-up solutions which enables the use of prepaid cell phones ('Reload' or 'Reloads'). DT One connects mobile operators' prepaid recharge and billing systems with the objective of enabling such mobile operators to offer the Reload to their customers ('Recipient') within the UK and EEA. The Recipient of the Reload may only use our services or purchase a Reload in accordance with their respective mobile operator's terms and conditions and you should therefore ensure that you have read and understood those terms and conditions before using our services or purchasing any Reloads and agreeing to the terms of this Agreement. In most cases, the Reload may only be used for domestic and international calls, to send text messages or to purchase mobile content, depending on the mobile operator. PayPal's Xoom Service Xoom will provide you with a link to the text of the Agreement in the confirmation e-mail delivered to your e-mail address. You may also access the Agreement and DT One's Privacy Policy via Xoom's User Agreement.

We may amend this Agreement from time to time to reflect changes in law or best practices or changes to our policies and processes by posting a revised version on our Website. The revised version will be effective at the time we post it, but it will not affect or restrict previously purchased Reloads from being processed.

Contact Details

DT One is a limited company incorporated in Singapore (reg. no: 200513448Z) registered in the Singapore trade register, with the registered address 1 Raffles Place, #28-61 One Raffles Place, Tower 2, Singapore 048616. DT One's VAT identification number [EU250150371]. To contact us, please send an email to legal@dtone.com or call us at (+65) 6694-0800.

Age limit

You may only accept this Agreement if you are at least 18 years old or the age of majority in your country and able to conclude legally binding contracts.


DT One sells you the Reload through Xoom. When you purchase a Reload on Xoom, Xoom remits the applicable Reload transaction amount to DT One. In offering the Reload, DT One is the service provider and the merchant of record. This means that DT One is responsible for ensuring that the Reload is received by the Recipient and calculating any and all applicable taxes and/or fees in your purchasing the Reload. Xoom, as a provider of financial solutions, is responsible for processing and remitting the applicable amount of your payment to DT One, along with providing you with a transaction record reflecting the Reload purchased. Please contact Xoom for Reload customer support.

Access to Reloads & Use

You acknowledge that your ability to purchase and send Reloads is dependent on a large network of service providers that are not under DT One's control, e.g. the Internet service provider and mobile operators. From time to time, these providers may fail to provide its services to DT One. You further acknowledge that DT One will not be liable for any failure to process Reloads that may occur due to a service interruption caused by any of DT One's providers except as provided for under applicable law. DT One will take reasonable steps to investigate such service interruption and try to resolve any affected Reloads as soon as practically possible. In the event that you experience any issues, please contact Xoom's customer support for available remedies. DT One reserves the right, in its sole discretion, to deny your request to purchase a Reload for any legitimate reason.

The Recipient's use of the Reload is subject to the mobile operator's terms and conditions and You understand that DT One has no control over these terms and conditions. You agree that you and/or your Recipient have read and understood the terms and conditions applicable to the Recipient's mobile phone account (the "Carrier Agreement"). The Carrier Agreement applies to all services for which the Reload may be used by the Recipient. Terms and conditions vary from one mobile operator to another, the Recipient's country of residence, and the terms of the Carrier Agreement but may include fees and taxes charged on a Reload, the expiration of the Reload and the quality and quantity of airtime, data and other services for which the Reload may be used. You or your Recipient may contact the mobile operator directly with questions or problems on how the mobile reload can be used for services provided by the mobile operator.

Technical requirements

The services provided on the basis of this Agreement are provided electronically via the Internet. In order to use these services correctly, you should have a device that provides access to the Internet and the correct display of websites or the Xoom Money Transfer mobile app, which is available via the App Store and Google Play for tablets and mobile phones. The fees related to Internet access and data transmission in accordance with the standard charges of your operator apply.


Payment is due at the time your Reload transaction is submitted for processing. DT One is not responsible for the payment process and does not perform it. The payment process is performed by Xoom within your Xoom account and is governed by an agreement between Recipient and Xoom, which can be accessed at https://www.xoom.com/user-agreement.

Price of the Reload

The price of the Reload is calculated on the basis of the Reload amount, applicable taxes, and the foreign currency exchange rate and the transaction fee and/or other fees, if applicable. Any transaction fee and the foreign currency exchange rate, if applicable, will be disclosed to you prior to your authorizing of a Reload. The transaction fee may vary by recipient country, payment instrument, Reload amount and Reload currency. Xoom establishes the foreign currency exchange rate and may charge additional fees in connection with your purchase of Reloads.
We are not responsible for any fees or charges that may be imposed by the financial institutions associated with your payment instruments. For example, your credit card issuer may charge you a cash advance fee and interest if you use a credit card as a payment instrument. We are not responsible for any such fees, nor are we responsible for non-sufficient funds charges, chargeback fees, or other similar charges that might be imposed on you by your bank, credit or debit card issuer, or other provider in connection with your use of the Service. If you submit a Transaction that results in us being charged non-sufficient fund fees, chargeback fees, or other similar fees, you agree to reimburse us for all such fees.


The net amount received by a Recipient of a Reload may deviate from the product's face value because of the applicability of taxes in the country it is received in.

Unauthorized or Illegal Use

You may not use our services or purchase Reloads to violate any laws, rules, or regulations. We may decide to restrict your ability to use our services or purchase Reloads if we believe that you are doing so for any illegal or criminal purposes. If this should be the case, we will share information about you and any transactions conducted with law enforcement authorities if they request it. If we restrict your ability to use our services or purchase Reloads, you may submit a complaint in accordance with the section Complaints below.

Force Majeure

We will not be liable for delays in performing our obligations, or failure to perform any such obligations under this Agreement, if the delay or failure results from extraordinary circumstances beyond our control, including but not limited to, an Act of God, force majeure, public health crisis such as a pandemic, governmental act, fire, explosion, war, or armed conflict of civil commotion. We will inform you as soon as possible about any such circumstances and the delay or failure to perform any of our obligations as a result of it. We will take reasonable steps to mitigate the effects of any such delay or failure to perform.

Limitations of Liability



In case of breach of your contractual obligations in or related to this Agreement, DT One may hold you liable for any damages caused to DT One to the extent permitted under applicable law.

Intellectual Property

You acknowledge and agree that any necessary software used in connection with DT One offering the Reloads ("Software") contains proprietary and confidential information that is the property of DT One and/or its licensors, and is protected by applicable intellectual property and other laws. No rights or title of to any of the Software used in connection with any Service is provided, transferred or assigned to you.
DT One owns and retains all proprietary rights related to its logo, trademarks, service marks and copyrights. You agree not to use DT One's logo, trademarks, copyrights or any derivative thereof without DT One's express written approval.


The failure of DT One to exercise or enforce any right or provision of this Agreement shall not operate as a waiver of such right or provision and will not be deemed a waiver of any subsequent breach of the same or any other provision hereunder. Any waiver of this Agreement by DT One must be in writing and signed by an authorized representative of the DT One. Except when expressly provided to the contrary, the specification or exercise of any remedies shall not preclude the exercise of any rights or remedies in law or in equity that may be available to DT One.

Ineffective Provision

If any provision of this Agreement is held to be fully or partially unenforceable or invalid ("Ineffective Provision"), the other provisions (or the effective part of such Ineffective Provision) shall remain effective and enforceable. In case of an Ineffective Provision, the Parties shall agree on an effective provision which legally and commercially best reflects what the Parties intended or would have intended considering the spirit and purpose of this Agreement. The same shall apply if this Agreement or any provision of this Agreement is found to be deficient.

Period of Agreement

The Agreement is concluded for a fixed period and covers a one-off performance of the Reload transaction. Each purchase of a Reload requires accepting the Agreement. The Agreement constitutes the entire Agreement with DT One with respect to your purchase of Reloads and supersedes any prior agreements between you and DT One in connection to your purchasing of Reloads.


You may submit your complaints to Xoom, with regard to the defective or incorrect provision of Reload services, in writing, by e-mail or letter, within a reasonable time of discovering the defect. For the complaint purposes you should contact Xoom, which is acting as a financial solutions provider. The relevant contact details are available at https://help.xoom.com/s/contactsupport. Information on Xoom's complaint handling process is set out in the Disputes section of the Xoom terms and conditions available at User Agreement | Xoom, a PayPal Service.
The complaint procedure does not preclude any rights granted to consumers according to the statutory law provisions
If you are a resident of the EU, additionally, the European Commission provides for an online dispute resolution platform, which you can access here: http://ec.europa.eu/consumers/odr/.
If you are a resident of the EU you may also file for a dispute resolution procedure with the consumer dispute resolution agency in your country of residence. We are neither willing nor obliged to participate in a dispute resolution procedure before a consumer dispute resolution agency

Governing Law & Venue

This Agreement and any dispute arising out of or related to this Agreement shall be governed by and construed in accordance with the laws of England and Wales. The courts of England shall have jurisdiction to resolve any dispute arising out of or in connection with this Agreement but please note that if you are a consumer and resident of the EU you may choose between the courts of England and the courts of your residence. This Agreement shall not provide for any limitation on any consumer protection rights by which you may be covered in accordance with applicable, mandatory legislation in your country of residence.

Data Privacy

Please click here to view DT One's Privacy Policy in order to see how DT One processes and handles data in processing Reloads.

Customer Support

Xoom is responsible for customer support concerns that you may have regarding your purchase of Reloads. Please contact Xoom Customer Support for customer support questions and help about DT One's Reloads.

Addendum A



Sie haben das Recht, binnen vierzehn Tagen ohne Angabe von Gründen diesen Vertrag zu widerrufen.
Die Widerrufsfrist beträgt vierzehn Tage ab dem Tag des Vertragsschlusses.
Um Ihr Widerrufsrecht auszuüben, müssen Sie uns, Xoom mittels einer eindeutigen Erklärung (z.B. ein mit der Post versandter Brief, Telefax oder E-Mail) über Ihren Entschluss, diesen Vertrag zu widerrufen, informieren. Sie können dafür das unten aufgeführte Muster-Widerrufsformular verwenden, das jedoch nicht vorgeschrieben ist.
Zur Wahrung der Widerrufsfrist reicht es aus, dass Sie die Mitteilung über die Ausübung des Widerrufsrechts vor Ablauf der Widerrufsfrist absenden.

Folgen des Widerrufs

Wenn Sie diesen Vertrag widerrufen, haben wir Ihnen alle Zahlungen, die wir von Ihnen erhalten haben, einschließlich der Lieferkosten (mit Ausnahme der zusätzlichen Kosten, die sich daraus ergeben, dass Sie eine andere Art der Lieferung als die von uns angegebene, günstigste Standardlieferung gewählt haben), unverzüglich und spätestens binnen vierzehn Tagen ab dem Tag zurückzuzahlen, an dem die Mitteilung über Ihren Widerruf dieses Vertrags bei uns eingegangen ist. Für diese Rückzahlung verwenden wir dasselbe Zahlungsmittel, das Sie bei der ursprünglichen Transaktion eingesetzt haben, es sei denn, mit Ihnen wurde ausdrücklich etwas anderes vereinbart; in keinem Fall werden wir Ihnen wegen dieser Rückzahlung Entgelte berechnen.
Haben Sie verlangt, dass die Dienstleistungen während der Widerrufsfrist beginnen sollen, so haben Sie uns einen angemessenen Betrag zu zahlen, der dem Anteil der bis zu dem Zeitpunkt, zu dem Sie uns von der Ausübung des Widerrufsrechts hinsichtlich dieses Vertrags unterrichten, bereits erbrachten Dienstleistungen im Vergleich zum Gesamtumfang der im Vertrag vorgesehenen Dienstleistungen entspricht.

Ausschluss bzw. vorzeitiges Erlöschen des Widerrufsrechts

Das Widerrufsrecht erlischt vorzeitig, wenn wir die Dienstleistung vollständig erbracht haben und wir mit der Ausführung der Dienstleistung erst begonnen haben, nachdem Sie dazu Ihre ausdrückliche Zustimmung gegeben haben und gleichzeitig Ihre Kenntnis davon bestätigt haben, dass Sie Ihr Widerrufsrecht bei vollständiger Vertragserfüllung durch uns verlieren.


(Wenn Sie den Vertrag widerrufen wollen, dann füllen Sie bitte dieses Formular aus und senden Sie es zurück.)
- An (hier ist der Name, die Anschrift und die E-Mail-Adresse des Unternehmens durch den Unternehmer einzufügen): […]
- Hiermit widerrufe ich den von mir abgeschlossenen Vertrag über die Erbringung der folgenden Dienstleistung: […]
- Bestellt am […]
- Name des Verbrauchers
- Anschrift des Verbrauchers
- Unterschrift des Verbrauchers (nur bei Mitteilung auf Papier)
- Datum  

Addendum B


Veuillez compléter et renvoyer le présent formulaire uniquement si vous souhaitez vous rétracter du contrat.)

A l'attention de Xoom
Je/nous (*) vous notifie/notifions (*) par la présente ma/notre (*) rétractation du contrat portant sur la vente du bien (*)/pour la prestation de services (*) ci-dessous :

Commandé le (*)/reçu le (*) :
Nom du (des) consommateur(s) :

Adresse du (des) consommateur(s) :

Signature du (des) consommateur(s) (uniquement en cas de notification du présent formulaire sur papier):

Date :

Privacy Policy

Fixed & Mobile Private Limited a company incorporated in Singapore and having its registered address at 1 Raffles Place, #28-61 One Raffles Place, Tower 2, Singapore 048616 with company registration number 200513448Z,. dba DT One ("DT One", "we" or "us"), operates a global network for mobile and data top-up solutions which enables the use of prepaid cell phones ('Reload' or 'Reloads') and sells the Reload to you (or 'Customer'). DT One connects mobile operators' prepaid recharge and billing systems with the objective of enabling such mobile operators to offer Reloads to their customers ('Recipient').

Reloads are offered by DT One via PayPal's Xoom service ("Xoom"), with Financial Services provided to UK residents by PayPal UK Ltd with its registered office at Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH, and to EEA residents by PayPal (Europe) S.à r.l et Cie, S.C.A. Société en Commandite par Actions, with its registered office: 22-24 Boulevard Royal, L-2449 Luxembourg R.C.S. Luxembourg B 118 349 ("PayPal"). Information about the processing performed by PayPal via Xoom is available here. This privacy policy ("Policy") explains how we treat your personal data and protect your privacy when you purchase Reloads via Xoom. In case your personal data are collected from the European Economic Area this Policy indicates how we collect, use, disclose and protect information about you, in particular personal information in the meaning General Data Protection Regulation ("GDPR"), while using our services, and what choices and rights you have.

This privacy policy ("Policy") explains how we treat your personal data and protect your privacy when you purchase Reloads via Xoom.


Please read this Policy carefully. The practices described in this Policy are subject to the applicable laws in the places in which we operate.


How to contact us

Please contact DT One's data protection officer at privacy@dtone.com or at the address disclosed above (Attn: Legal Department). In case you have any questions related to the processing of your personal data by DT One you can also contact our representative at: TransferTo Czech, s.r.o., as controller, having the registered office at Bucharova 1314/8, Praha 5 – Stodulky 15800 Czech Republic.

How Xoom works

For more information on how your purchase of a Reload from DT One on Xoom works, please see our Terms & Conditions and Xoom's Terms & Conditions.

Ways we collect your personal information

We collect and use your data for several, different purposes related to your purchase of the Reload. We process your personal data only when applicable laws allow for such processing.

We process your personal data, which you provided to Xoom or to us which we collect when you purchase the Reload or which we receive from another person that uses our services to purchase a reload for you.

Information we process to provide the Reload

To process and provide the Reload we collect the following information:

- The Recipient's phone number
- The Recipient's first and last name
- The Customer's first and last name

Information we get from your purchase of the Reload

We may also collect information on how you use our services for promotional activities with PayPal and product specific purposes. We will process your data for this purpose only on the basis of your prior specific consent for such processing.

How we use your information

If allowed by applicable law we may combine information that we collect about you (including automatically collected information, described below) with other information we obtain about you, and use such combined information in accordance with this Policy.

We also aggregate and/or anonymize information collected through your purchase of Reloads. We may use anonymized and/or aggregated data for any purpose, including without limitation for research and joint promotional purposes with PayPal.

What is the legal basis for processing of your personal data

We process your personal data on the following legal grounds:

Legitimate Interests. We process your personal data to fulfil our legitimate interests in commercial activities in ways that are not overridden by your interests or fundamental rights and freedoms, e.g.: (i) facilitate transactions related to the purchase of Reloads (ii) process tax payment requirements related to the purchase of Reloads (iii) customer service, (iv) protecting our customers, personnel and property, and (v) managing legal or regulatory issues

Legal Compliance. In some cases, we are obliged to process personal data to comply with our legal obligations.

Your Consent. Where required by law, and in some other cases, we handle personal data on the basis of consent. Where we handle your personal data on the basis of consent, you have the right to withdraw your consent at any time. The withdrawal of consent does not affect the lawfulness of processing based on consent before its withdrawal.

Performance of a contract with you. We process your personal data based on the Terms & Conditions applicable to your purchase of Reloads. In case your personal data are collected from the European Economic Area, performance of the contract with you is also the legal basis for transfer of your personal data to Singapore.

How we share your information

We may disclose your data: (i) to our vendors that work on our behalf, (ii) if we are required to do so by law or for any legal proceedings or by law enforcement or other entities that present valid legal process or in our discretion, unless otherwise prohibited by law, to protect human safety, our rights or the rights of others, and to prevent fraud, (iii) to meet certain legal compliance requirements (e.g., anti-money laundering laws), (iv) to enforce the Policy or other contracts with you, including investigation of potential violations thereof, and (v) as part of a sale or merger of our business assets, including in contemplation of such transactions (e.g. due diligence).

We may disclose aggregate, anonymous, or de-identified information about users for research, compliance, promotional activities with PayPal or other legal purposes related to the processing of your Reload Purchase.

We may disclose your personal information to our authorized employees or agents insofar as reasonably necessary for the purposes set out in this privacy policy.

How long do we keep your data

We keep your personal data as long as it is necessary to fulfil the purposes for which we collected it. We will retain your personal data processed on the basis of (i) a legitimate interest pursued by us, for the period necessary to fulfil the purposes for which we collected the personal data or until you object to the processing, (ii) a necessity to comply with our legal obligation, for the period necessary to comply with a legal obligation (e.g. under tax or accounting regulations), (iii) your consent, for the period necessary to fulfil the purposes for which we collected the personal data or until you withdraw your consent, and (iv) necessity to perform contract we have with you, for the period of the contract and thereafter for the period necessary to comply with a legal obligation or the statutory limitation period.

Transfer of Personal Data

The information that DT One collects may be stored, processed in and transferred between the European Union and other countries in order to enable us to provide the Reload.
We transfer your personal data to the countries, which according to the European Commission decision ensure adequate level of data protection. List of countries is available here.
If in the view of the European Union, there is no "adequate level of protection" for the processing of personal data we will utilize other measure to ensure such protection, e.g. the standard contractual clauses approved by the European Commission (which are available here).

Your rights

You may have certain rights in respect of information that identifies you as defined by applicable laws:

- right to access your personal data, right to demand an access into your personal data processed by us and to request a copy of your personal data being processed by us
- right to rectify your personal data, right to have incorrect or incomplete personal data corrected
- right to erase your personal data, where legally envisaged you may have the right to have your personal data deleted under certain circumstances. In specific cases, the right to deletion may be excluded
- right to restriction of the processing, under certain conditions, you may have the right to demand restriction of the processing of your personal data
- right to data portability , under certain circumstances, you may have the right to get the personal data that was provided to us by you free of charge in a machine-readable format
- right to object to processing, right to object to processing on grounds relating to your particular situation that may be applicable where your personal data is processed on the legal basis of our legitimate interest
- right to lodge a complaint with the supervisory authority, right to appeal to a competent supervisory authority against the method of the processing of your personal data.Details of relevant European data protection supervisory authorities, which may be found here: https://edpb.europa.eu/about-edpb/board/members_en.
- right to withdraw your consent, right to revoke your consent at any time, without affecting the lawfulness of processing based on your consent before withdrawal
You may exercise your rights by contacting us at the address indicated at the beginning of the Policy or by contacting DT One's data protection officer at privacy@dtone.com.

Age limit

Our services are not intended for general audiences and are not targeted to minors under the age of 18.

What happens if you do not provide us with your personal data?

If you do not provide us with your personal data or object to the use of certain personal data, we may not be able to provide the Reload to you. We will tell you when we ask for information which is a contractual requirement or needed to comply with our legal obligations.

Customer Support

Please contact Xoom Customer Support for Reload customer support.


We reserve the right to update the practices described in this Policy at any time. Please check here periodically. If we make any material changes, we will notify you as required by law.