Terms of Service

1.1 Eligibility Requirements

To use this Application, you must meet all of the following conditions:

• Be at least 18 years of age, or the age of legal majority in your country of residence, whichever is higher.
• Be a natural person (individual consumer) — this Application is not intended for legal entities or corporate use without prior written approval from the Company.
• Provide accurate, complete, and current information during registration and throughout your use of the Application.
• Not be a resident of, or ordinarily located in, a country or territory subject to comprehensive international sanctions including but not limited to those imposed by the UN, EU, US OFAC, or the relevant authorities of your jurisdiction.
• Not be listed on any government or intergovernmental sanctions list, including but not limited to the OFAC Specially Designated Nationals (SDN) list, the EU Consolidated List, or the UN Security Council Sanctions List.
• Not have been previously suspended, banned, or had your account terminated by the Company for any reason.
• Have the legal right, authority, and capacity to enter into this agreement under Applicable Laws.

1.2 Account Registration

To access the full functionality of this Application, you are required to create an Account. You agree to:

• Submit truthful, accurate, and complete information during registration.
• Maintain and promptly update your Account information to ensure it remains accurate and current.
• Keep your login credentials, passwords, and authentication tokens strictly confidential.
• Accept full responsibility for all activities conducted under your Account.
• Notify us immediately at the contact details provided below if you suspect any unauthorized access to or use of your Account.

The Company reserves the right to refuse, suspend, or terminate any Account at its sole discretion, including for failure to meet eligibility requirements, provision of false information, or violation of these Terms.

1.3 Identity Verification (KYC)

In compliance with applicable anti-money laundering (AML), counter-terrorism financing (CTF), and financial services regulations, we are legally required to verify your identity before you may send or receive funds. You agree to:

• Submit valid government-issued identification documents as requested (e.g., national ID, passport, driver's licence).
• Provide proof of address documentation as requested (e.g., utility bill, bank statement dated within 3 months).
• Submit to enhanced due diligence procedures, including source of funds declarations, for higher-value transactions or as required by our compliance team.
• Provide any additional documentation or information reasonably requested by the Company to satisfy our legal and regulatory obligations.

Failure to complete identity verification will result in restrictions on your Account, including suspension of transfer capabilities, until verification is successfully completed.

2.1 Money Transfer Services

The Application facilitates the transfer of funds between individuals across international borders. Our services include:

• Initiation and processing of international money transfers.
• Real-time or near-real-time exchange rate display and conversion.
• Multiple delivery methods, which may include bank account deposits, mobile wallet credits, cash pickup, and home delivery, subject to availability in the destination country.
• Transaction tracking and status notifications.
• Transaction history and receipts accessible through your Account.

2.2 Service Availability

The availability of the Application and its specific features, including supported send and receive countries, currencies, delivery methods, and transfer limits, is subject to change without prior notice. We do not guarantee uninterrupted, error-free, or timely access to the Application, availability of specific corridors or currency pairs, or the continued availability of any particular feature or service.

The Company may modify, suspend, or discontinue any part of the Application or its services at any time and for any reason, including for maintenance, regulatory compliance, or business decisions.

2.3 Transfer Limits

Transfers are subject to minimum and maximum limits that may vary based on the destination country and corridor, your verified identity and account tier, regulatory requirements applicable to the sending or receiving jurisdiction, and our internal risk and compliance assessments. Current applicable limits are displayed within the Application prior to confirming each Transfer.

3.1 Transaction Fees

All applicable Fees will be clearly disclosed to you before you confirm a Transaction. By confirming a Transaction, you agree to pay all disclosed Fees. Fees may include:

• A fixed transaction fee per Transfer.
• A percentage-based fee calculated on the Transfer amount.
• A foreign exchange margin applied to the mid-market rate.
• Third-party fees charged by correspondent banks, mobile money operators, or payout partners (where applicable and disclosed).

3.2 Exchange Rates

Currency exchange rates used in Transactions are determined by the Company and may differ from publicly quoted inter-bank or mid-market rates. The exchange rate applicable to your Transfer will be displayed before you confirm the Transaction. Exchange rates are subject to change at any time without prior notice and may fluctuate between the time you initiate and the time we process your Transfer. The Company does not guarantee that the exchange rate offered will be the most favourable rate available in the market.

3.3 Payment Methods

You may fund Transfers using payment methods supported by the Application, which may include debit cards, credit cards, bank transfers, or mobile money. By submitting a payment, you represent and warrant that you are the authorized holder of the payment method used, the payment method is valid and has sufficient funds or credit available, and you authorize the Company to debit the specified amount, including all applicable Fees, from your designated payment method.

3.4 Failed or Reversed Transactions

If a payment to fund a Transfer fails, is reversed, or is subject to a chargeback, you remain liable for the full Transfer amount and any associated Fees, costs, and penalties incurred by the Company as a result. We reserve the right to suspend your Account and pursue collection of outstanding amounts through any lawful means.

3.5 Refund Policy

Once a Transfer has been initiated and is being processed, it may not be canceled or refunded. You may request cancellation of a Transfer that has not yet been sent to the payout partner. In the event of a processing error attributable solely to the Company, we will issue a refund to your original payment method within a reasonable period. Refund eligibility and timelines are subject to our Refund Policy, which is incorporated herein by reference.

4.1 Lawful Use

You agree to use this Application solely for lawful purposes and in accordance with these Terms. You represent and warrant that all funds transferred through this Application are derived from legitimate and lawful sources, you are not using this Application to circumvent any applicable currency controls, tax obligations, or financial reporting requirements, and you are not acting as an agent, nominee, or intermediary for an undisclosed third party.

4.2 Prohibited Activities

You must not use this Application to engage in, facilitate, or promote any of the following:

• Money laundering, terrorist financing, or any activity that violates AML or CTF laws.
• Transfers involving the proceeds of crime, fraud, corruption, or any other illegal activity.
• Evasion of applicable taxes, exchange controls, or regulatory reporting requirements.
• Transactions in violation of any applicable international sanctions or embargo regimes.
• Sending funds to or on behalf of individuals or entities on any government sanctions list.
• Fraudulent, deceptive, or misleading conduct, including the use of false identities or falsified documents.
• Unauthorized access to, tampering with, or interference with the Application or its underlying systems.
• Reverse engineering, decompiling, or attempting to extract the source code of the Application.
• Uploading or transmitting malicious code, viruses, or any software designed to disrupt or harm the Application.
• Engaging in any activity that could impose an unreasonable or disproportionately large load on the Application's infrastructure.
• Reselling, sub-licensing, or otherwise commercializing access to the Application without prior written consent.

4.3 Accurate Information

You are solely responsible for providing accurate recipient details, including the recipient's full name, account number, mobile number, and any other information required to complete a Transfer. The Company shall not be liable for any loss, delay, or misdirection of funds arising from inaccurate, incomplete, or erroneous information provided by you.

6.1 Collection and Use of Personal Data

The Company collects, processes, stores, and shares your personal data as necessary to provide the Services, comply with legal obligations, and manage our business. The types of data we collect include but are not limited to:

• Identity information: full name, date of birth, nationality, government-issued ID number.
• Contact information: email address, phone number, residential address.
• Financial information: payment method details, transaction history, source of funds declarations.
• Device and usage data: IP address, device identifiers, browser type, access logs, and usage patterns.
• Biometric data (where required for identity verification): facial recognition data, liveness checks.

6.2 Legal Bases for Processing

• Contractual necessity: to perform our obligations under these Terms and deliver the Services.
• Legal obligation: to comply with applicable financial services regulations, AML/CTF laws, tax reporting obligations, and other legal requirements.
• Legitimate interests: to detect and prevent fraud, improve our services, and maintain the security of the Application.
• Consent: where you have provided explicit consent for specific processing activities, such as marketing communications.

6.3 Cross-Border Data Transfers

Given the international nature of our Services, your personal data may be transferred to and processed in countries other than your country of residence. We take appropriate safeguards to ensure that such transfers comply with applicable data protection laws, including through the use of standard contractual clauses, adequacy decisions, or other lawful transfer mechanisms.

6.4 Data Retention

We retain your personal data for as long as your Account is active and for a minimum period required by Applicable Laws following account closure. For financial services, this is typically a minimum of five (5) to seven (7) years from the date of the last transaction, but may be longer depending on your jurisdiction.

6.5 Your Data Rights

Subject to Applicable Laws, you may have the right to access the personal data we hold about you, request correction of inaccurate or incomplete personal data, request erasure of your personal data subject to legal retention obligations, object to or request restriction of certain processing activities, request portability of your personal data in a structured machine-readable format, and withdraw consent for consent-based processing at any time. To exercise any of these rights, please contact our Data Protection Officer at the contact details provided at the end of these Terms.

9.1 Exclusion of Indirect Damages

9.2 Cap on Liability

9.3 Exceptions

Nothing in these Terms shall limit or exclude the Company's liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; or (c) any other liability that cannot be limited or excluded by Applicable Law.

9.4 Force Majeure

The Company shall not be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, government actions, regulatory changes, bank failures, cyberattacks, internet outages, or actions of third-party service providers.

11.1 Termination by You

You may close your Account at any time by contacting our customer support team. Account closure will not affect any rights or obligations that arose prior to closure, including any outstanding Transactions or obligations to pay Fees.

11.2 Termination or Suspension by the Company

The Company may suspend or terminate your Account, with or without notice, for any reason, including:

• Actual or suspected violation of these Terms.
• Actual or suspected fraudulent, unlawful, or suspicious activity on your Account.
• Failure to complete required identity verification within a specified timeframe.
• Compliance with any legal obligation, regulatory requirement, or court order.
• Extended periods of inactivity on your Account.
• Our decision to discontinue the Application or any part of it.

11.3 Effect of Termination

Upon termination of your Account: (a) your licence to use the Application will immediately terminate; (b) you must immediately cease all use of the Application; (c) any pending Transactions may be cancelled at our discretion; and (d) all provisions of these Terms that by their nature should survive termination shall so survive, including but not limited to ownership, warranty disclaimers, indemnification, and limitation of liability.

12.1 Complaints Procedure

If you have a complaint or dispute regarding the Application or any Transaction, you should first contact our customer support team using the contact details provided at the end of these Terms. We will acknowledge your complaint within two (2) business days and endeavour to resolve it within fifteen (15) business days. If your complaint is complex, we will notify you of the expected resolution time frame.

12.2 Governing Law

These Terms and any dispute arising out of or in connection with them or the use of the Application shall be governed by and construed in accordance with the laws of the jurisdiction in which the Company is registered and licensed, without regard to its conflict of law principles.

12.3 Jurisdiction

Subject to any mandatory consumer protection rights that cannot be contractually excluded, you agree to submit to the exclusive jurisdiction of the courts of the governing jurisdiction for the resolution of any dispute arising under these Terms.

12.4 Consumer Rights Preservation

Nothing in this section shall deprive you of any mandatory consumer protection rights you are entitled to under the laws of your country of residence, including the right to bring claims before local regulatory authorities and consumer protection bodies.

12.5 Regulatory Complaints

If you are not satisfied with our response to your complaint, you may have the right to refer your complaint to the relevant financial services regulator or consumer protection authority in your jurisdiction. Information on applicable regulators is available within the Application and upon request.

15.1 Entire Agreement

These Terms, together with our Privacy Policy, Refund Policy, and any other policies or agreements incorporated herein by reference, constitute the entire agreement between you and the Company with respect to your use of the Application and supersede all prior agreements, understandings, and representations.

15.2 Severability

If any provision of these Terms is found by a competent court or authority to be invalid, unlawful, or unenforceable, that provision shall be severed from these Terms to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

15.3 Waiver

No failure or delay by the Company in exercising any right, power, or privilege under these Terms shall operate as a waiver of that right. No waiver shall be effective unless made in writing.

15.4 Assignment

You may not assign, transfer, or sub-licence any of your rights or obligations under these Terms without our prior written consent. The Company may assign these Terms or any rights hereunder to any affiliate or successor entity without your consent.

15.5 No Partnership

Nothing in these Terms shall be construed to create a partnership, joint venture, agency, franchise, employment, or fiduciary relationship between you and the Company.

15.6 Language

These Terms are written in the English language. In the event of any conflict between an English version and a translated version of these Terms, the English version shall prevail.

15.7 Notices

All notices to the Company under these Terms must be sent in writing to the contact details provided below. Notices to you may be sent by email to the address associated with your Account, by in-app notification, or by postal mail to your registered address.