TERMS OF SERVICE
Learn about our requirements so that your journey is smooth
Effective Date: 1st January 2025
Welcome to Banqzen! These Terms of Service (“Terms”) govern your access to and use of our services, including our website, mobile app, and electronic money services. By using our services, you agree to comply with these Terms. If you do not agree, please refrain from using our services.
1. Acceptance of Terms
- By accessing or using Banqzen’s services, you agree to be bound by these Terms, our Privacy Policy, and any additional terms and conditions provided in relation to specific services.
2. Eligibility
You must be at least 18 years old and capable of entering into legally binding agreements to use our services.
By using Banqzen, you represent and warrant that you meet these requirements.
3. Services Provided
Banqzen offers a range of financial and electronic money services, including:
Account creation and management for electronic money storage.
Money transfers and payments, including domestic and international transactions.
Access to transaction history and detailed account statements.
Currency exchange services for supported currencies.
Integration with third-party payment providers and e-commerce platforms.
Budgeting tools and financial insights to help you manage your money effectively.
Virtual and physical payment cards linked to your account for secure payments.
We reserve the right to modify or discontinue any part of our services at any time without prior notice.
4. Account Responsibilities
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
You agree to:
Notify us immediately of any unauthorized access or breach of security.
Provide accurate and up-to-date information during registration and use of our services.
Not share your account credentials with others.
Banqzen is not liable for any loss or damage resulting from unauthorized account use.
5. Fees and Charges
Fees associated with our services will be disclosed before you complete a transaction.
You agree to pay all applicable fees and authorize Banqzen to deduct them from your account balance.
6. Prohibited Activities
You agree not to use our services for:
Illegal activities or purposes.
Fraudulent or deceptive practices.
Violating the rights of others or applicable laws.
Circumventing any security measures.
We reserve the right to suspend or terminate accounts engaging in prohibited activities.
7. Termination of Services
We may suspend or terminate your access to our services if you violate these Terms or engage in activities that may harm Banqzen or its users.
You may also terminate your account by contacting us.
Upon termination, your right to use our services ceases immediately.
8. Limitation of Liability
To the extent permitted by law, Banqzen is not liable for:
Indirect, incidental, or consequential damages.
Losses resulting from unauthorized account access due to your actions or negligence.
Service interruptions beyond our reasonable control.
Our liability is limited to the amount of fees paid by you in the 12 months preceding the claim.
9. Intellectual Property
All content, trademarks, and intellectual property related to Banqzen’s services are owned by Banqzen or its licensors.
You may not use, reproduce, or distribute our intellectual property without prior written consent.
10. Changes to Terms
We may update these Terms periodically.
Changes will be posted on our website, and significant changes will be communicated directly.
Continued use of our services after updates constitutes acceptance of the revised Terms.
11. Governing Law
These Terms are governed by the laws of Ireland, without regard to conflict of law principles.
Any disputes shall be resolved in the courts of Ireland.