Terms of Service & Privacy Policy

1. Introduction

Welcome to QwixaPay. These Terms of Service and Privacy Policy govern your use of our banking services, website, and mobile applications. By creating an account or using our services, you agree to be bound by these terms. Please read them carefully before using our platform.

2. User Responsibilities

As a user of QwixaPay, you are responsible for your account and activities. You agree to:

• Provide accurate, current, and complete information during registration.
• Maintain the confidentiality of your account credentials and activities.
• Notify us immediately of any unauthorized use of your account or security breach.
• Use QwixaPay services legally and in compliance with all applicable laws.
• Exit your account securely at the end of each session.

3. Prohibited Activities

You may not use QwixaPay for any fraudulent, illegal, or unauthorized activities. This includes but is not limited to:

• Money laundering, financing terrorism, or other illegal financial activities.
• Using false or stolen identities.
• Attempting to access or interfere with other users' accounts.
• Unauthorized commercial use of QwixaPay services.

Violation of these rules may result in immediate suspension of your account without prior notice, and authorities may be contacted.

4. Account Usage

Your QwixaPay account is intended for personal, non-commercial use unless otherwise agreed. We may suspend or terminate your account if suspicious activity is detected. You are solely responsible for all transactions initiated from your account.

5. Privacy and Data Protection

We are committed to protecting your privacy. When you use QwixaPay, we may collect personal information such as your name, email, phone number, banking details, and transaction history. This information is used to:

• Provide and improve our services.
• Verify your identity and prevent fraudulent activities.
• Process transactions securely.
• Communicate important updates, offers, or legal notices.

We do not share your personal information with third parties for marketing purposes without your consent. We may share information with authorities if required by law or to prevent fraud.

By using QwixaPay, you consent to the collection, storage, and use of your personal information as described in this policy.

6. Transactions and Payments

You are responsible for verifying all transaction details and ensuring sufficient funds before completing payments. QwixaPay is not liable for losses caused by unauthorized transactions resulting from your negligence.

7. Fees and Charges

Certain services may incur fees, which will be clearly displayed before completing any transaction. By using these services, you agree to pay all applicable fees.

8. Security

We implement security measures to protect your data and transactions. However, you acknowledge that no system is completely secure. You are responsible for safeguarding your login credentials and notifying us of any suspicious activity.

9. Dispute Resolution

If a dispute arises, please contact our support team first. If unresolved, disputes will be settled through binding arbitration rather than in court. You agree to this process by using our services.

10. Limitation of Liability

QwixaPay provides services "as is" and "as available." We are not responsible for any damages, losses, or service interruptions. Liability is limited to the maximum extent permitted by law.

11. Intellectual Property

All content, logos, designs, and software on QwixaPay are owned by QwixaPay and protected by intellectual property laws. Unauthorized use is strictly prohibited.

12. Changes to Terms & Policy

We may update these Terms and Privacy Policy at any time. Updates will be posted on this page. Continued use of our services indicates acceptance of the new terms.

13. Contact Information

For questions regarding these Terms or Privacy Policy, contact us at support@qwixapay.com.