Licenses and Compliance

At Deel, compliance is fundamental to our mission of simplifying global work and enabling businesses to hire and pay teams in 150+ countries. We have made significant investments in our compliance program, building a continually strengthening framework that evolves with global regulatory and licensing requirements.

Our approach to payments compliance includes risk management, customer due diligence, transaction monitoring, sanctions screening, and regulatory reporting. These efforts are reinforced by strong governance structures, experienced compliance professionals, and advanced technology. We also collaborate with top-tier vendors to prevent money laundering, terrorism financing, and other financial crimes, adhering to international compliance standards.

Deel operates through licensed subsidiaries and regulated payment service providers—an industry-standard approach that ensures secure and compliant financial operations. Our licensed entities hold money transmitter and payments licenses in multiple jurisdictions, with additional licenses in progress as we expand.

Forenede Stater

DPayments LLC (NMLS ID # 2579142 https://www.nmlsconsumeraccess.org/ ) is a registered Money Services Business (MSB) with the Financial Crimes Enforcement Network (FinCEN) and holds the following licenses in U.S. jurisdictions:

REFUND RIGHTS AND PROCEDURES

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days at (833) 789-4338 or https://app.deel.com/contact-support . You can also contact us for a written explanation of your rights with respect to your transaction.

FOR INTERNATIONAL TRANSFERS ONLY

You can cancel for a full refund within 30 minutes of payment, unless the funds have already been deposited to your designated beneficiary's bank account. For questions or complaints about DPayments, contact: Consumer Financial Protection Bureau 855-411-2372 | 855-729-2372 (TTY/TDD) https://www.consumerfinance.gov/consumer-tools/sending-money/

OR your state regulator — via the contact information below.

Canada

DPayments CANADA INC. (CRA 719412751) is a registered Money Services Business with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) under MSB registration number C100000177. In Quebec, DPayments CANADA INC. is licensed by Revenu Québec under Licence Number 19365 to provide funds transfer services as a Money Services Business.

United Kingdom

Atlantic Money Ltd is authorised and regulated by the Financial Conduct Authority as a payment institution (FRN: 947491). Registered in England & Wales (13057810).

Belgium and the European Economic Area (EEA)

Atlantic Money NV is authorised and regulated by the National Bank of Belgium as a payment institution (unique identification number: 0783.476.423).

Australien

DPayments Australia Pty Ltd is a registered Australian company (ACN: 676 006 992 is authorised to provide financial services under Australian Financial Services Licence (AFSL) number 562293.

We are committed to delivering the highest standards of service to our customers. If you believe we have not met your expectations, we welcome the opportunity to hear from you so we can address your concerns and continually improve our services.

All complaints received will be managed in a manner that is fair, transparent, and timely, in line with our internal policies and regulatory obligations.

What is a Complaint?

A complaint is an expression of dissatisfaction made to or about Dpayment AU relating to our products, services, sales practices, staff, or our complaints-handling process, where a response or resolution is expected (either explicitly, implicitly, or as required by law).

How to Make a Complaint

You can lodge a complaint through any of the following methods: Email: [email protected] or [email protected] —-- Post: Collins Square, Tower Four, Level 18, 727 Collins Street, Docklands, VIC 3008

Need Help Making a Complaint?

You may nominate someone (e.g., a legal representative or trusted person) to lodge and manage a complaint on your behalf. We will communicate with your authorised representative once we receive your written authorisation.

How We Will Handle Your Complaint

Acknowledgement

We will acknowledge receipt of your complaint within 5 business days (or as soon as reasonably practicable). You’ll be provided with the contact details of the person handling your complaint, along with the next steps.

Complaints Management

While we aim to resolve complaints at first contact, some matters may require further investigation. If so, we may request additional information from you to assist our review.

Complaint Outcomes

In most cases, you will receive a written response within 30 days of us receiving your complaint. Our response will include:

• A summary of your complaint;
• The outcome of our investigation and the reasons for our decision; and
• Any proposed resolution or remedy.

Any agreed outcomes will be implemented promptly.

Delays in Responding

If we are unable to respond within 30 days due to complexity or unforeseen circumstances, we will:

• Notify you of the delay and the reason for it;
• If you are a small business (100 employees or fewer), inform you of your right to escalate the complaint to the Australian Financial Complaints Authority (AFCA); and
• Provide AFCA’s contact details.

External Dispute Resolution

If you are not satisfied with our response and are a small business (fewer than 100 employees), you may escalate your complaint to:

Australian Financial Complaints Authority (AFCA)
Website: www.afca.org.au
Phone: 1800 931 678 (free call)
Email: [email protected]
Mail: GPO Box 3, Melbourne VIC 3001

AFCA is an independent body that handles disputes between consumers (and small businesses) and financial service providers.