Terms of Service

1. Introduction

These Terms of Service (“Terms”) govern your access to and use of the website, products, services, and related platforms provided by ZeneX Orb LTD (“ZeneX”, “we”, “our”, or “us”).

By accessing our website, creating an account, submitting information, or using any ZeneX service, you agree to be bound by these Terms.

If you do not agree with these Terms, please do not use our services.

These Terms should be read together with our Privacy Policy, which explains how we collect, use, store, and protect personal information.

2. About ZeneX

ZeneX is a financial technology company being built to improve the cross-border payment experience for African freelancers, remote workers, and small and medium-sized businesses.

Our focus is not only on the movement of money, but also on the experience surrounding international payments, including visibility, communication, transparency, support, and settlement information.

Certain payment, collection, conversion, settlement, or payout services may be provided through or supported by third-party financial infrastructure providers.

The availability of specific services depends on applicable payment infrastructure, user eligibility, geography, regulatory requirements, and partner approval.

3. Eligibility

To use ZeneX services, you must provide accurate and complete information required for registration, verification, or onboarding.

Unless otherwise permitted by applicable law or expressly stated by ZeneX, users must be at least 18 years old.

You may not use ZeneX on behalf of another person or business unless you are legally authorized to do so.

For business accounts, you confirm that you have the authority to act on behalf of the business.

4. Account Registration and Verification

Certain ZeneX services may require you to create an account and complete identity or business verification. You agree to:

• Provide accurate and current information.
• Update information when it changes.
• Provide requested verification documents.
• Cooperate with applicable KYC/KYB processes.
• Keep your account credentials secure.
• Notify ZeneX promptly of unauthorized access or suspected account compromise.

ZeneX may decline, suspend, restrict, or terminate an account where required for legal, regulatory, security, fraud-prevention, risk-management, or operational reasons.

5. Using ZeneX Services

You agree to use ZeneX only for lawful purposes and in accordance with these Terms. You must not use ZeneX to:

• Conduct fraudulent activities.
• Facilitate money laundering or terrorist financing.
• Circumvent applicable sanctions or financial restrictions.
• Process proceeds of unlawful activity.
• Provide false or misleading information.
• Attempt to bypass identity or compliance checks.
• Use another person's account without authorization.
• Interfere with the security or operation of our platform.
• Engage in activities prohibited by applicable law or by our financial infrastructure partners.

ZeneX reserves the right to investigate activity that may present legal, regulatory, security, fraud, or operational risks.

6. Payments and Transactions

Where applicable, ZeneX may facilitate or provide access to payment-related services through appropriate financial infrastructure and third-party partners.

Payment methods, supported currencies, transaction limits, processing times, fees, settlement options, and availability may vary depending on:

• User location
• User eligibility
• Payment method
• Currency
• Infrastructure partner
• Regulatory requirements
• Transaction characteristics
• Risk and compliance requirements

A payment instruction does not necessarily mean that a transaction will be successfully completed.

Transactions may be delayed, declined, reversed, restricted, or subject to additional review where required by applicable law, financial institutions, infrastructure partners, or risk and compliance processes.

7. Fees, Rates and Charges

Where applicable, ZeneX may charge:

• Transaction fees
• FX or currency-conversion fees
• Subscription fees
• Other applicable service charges

Applicable fees and charges will be communicated before or during the relevant transaction or subscription process, as appropriate.

Where currency conversion applies, the applicable exchange rate or conversion terms will be communicated through the relevant transaction process.

ZeneX does not currently represent that one fixed fee or percentage applies to every transaction. Fees may vary according to the applicable service, transaction, currency, user type, infrastructure provider, or other relevant factors.

8. Third-Party Financial Infrastructure

ZeneX may rely on third-party financial institutions, payment processors, banks, FX providers, identity-verification providers, technology providers, and other infrastructure partners.

These providers may have their own:

• Terms of service
• Privacy policies
• Eligibility requirements
• Transaction limits
• Compliance procedures
• Fees
• Restrictions

Your use of services provided through such partners may therefore be subject to their applicable terms in addition to these Terms. ZeneX does not represent that every third-party service will always be available.

9. Payment Delays, Restrictions and Reviews

International payments may sometimes experience delays or require additional review. This may occur because of:

• Compliance checks
• Identity verification
• Fraud or risk reviews
• Payment-provider requirements
• Banking processes
• Technical issues
• Incorrect or incomplete information
• Regulatory requirements

Where reasonably possible, ZeneX will communicate relevant information about significant payment issues or actions required from the user. However, ZeneX cannot guarantee that every transaction will be processed within a particular timeframe.

10. User Responsibilities

You are responsible for ensuring that:

• Information you provide is accurate.
• You have the right to receive or send funds associated with your transactions.
• Your transactions have a legitimate purpose.
• You comply with applicable laws.
• You protect your account credentials.
• You promptly respond to legitimate verification or compliance requests.

You are responsible for any activity conducted through your account where such activity results from your failure to adequately protect your account credentials.

11. Prohibited Activities

You may not use ZeneX to facilitate or participate in activities including, but not limited to:

• Fraud
• Money laundering
• Terrorist financing
• Sanctions evasion
• Identity theft
• Unauthorized financial activity
• Payment fraud
• Illegal goods or services
• Any activity prohibited under applicable law or by our financial infrastructure partners

ZeneX may restrict or terminate access where we reasonably believe prohibited activity has occurred or may occur.

12. Intellectual Property

All content and materials associated with ZeneX, including where applicable:

• Brand names
• Logos
• Designs
• Website content
• Software
• Graphics
• Text
• Product interfaces
• Documentation

are owned by or licensed to ZeneX Orb LTD, unless otherwise stated. You may not reproduce, modify, distribute, sell, or commercially exploit ZeneX intellectual property without appropriate authorization.

13. Availability of Services

We are continuously developing and improving ZeneX. Certain features, products, payment methods, currencies, or services may:

• Not yet be available;
• Be available only to certain users;
• Be available only in certain jurisdictions;
• Require additional verification;
• Depend on third-party infrastructure;
• Be modified, suspended, or discontinued.

We will not represent a service as available where it has not been made available to the relevant user.

14. Disclaimers

ZeneX aims to provide reliable and transparent payment experiences, but we do not guarantee that:

• Every transaction will be successful.
• Every payment will be processed within a particular timeframe.
• Every payment method will always be available.
• Third-party infrastructure will always be available.
• Services will be uninterrupted or error-free.
• A particular exchange rate, fee, or settlement option will always be available.

Nothing in these Terms excludes or limits any right or protection that cannot lawfully be excluded or limited under applicable law.

15. Complaints and Customer Support

We encourage users to contact ZeneX directly when they experience a problem with our services. When submitting a complaint, users should provide relevant information such as:

• Name
• Transaction reference, where applicable
• Date of transaction
• Description of the issue
• Supporting documentation where relevant

We will review complaints and seek to resolve legitimate issues through our applicable support and complaint-handling processes.

Support Email: zenexorb@gmail.com

16. Suspension and Termination

ZeneX may suspend or terminate access to an account or service where:

• These Terms have been violated.
• Information provided is false or misleading.
• Fraud or suspicious activity is identified.
• A legal or regulatory requirement requires action.
• A financial infrastructure partner requires restriction.
• Continued access creates a material security, compliance, or operational risk.

Where appropriate and legally permissible, we may provide notice regarding suspension or termination. Certain obligations may continue after termination where required by law or the nature of the relationship.

17. Changes to These Terms

ZeneX may update these Terms from time to time to reflect:

• Changes to our services
• Changes in our business operations
• Changes in technology
• Changes in regulatory requirements
• Changes in applicable law

The updated Terms will be published on our website with a revised “Last Updated” date. Where appropriate, material changes may be communicated through additional notice.

18. Third-Party Links

Our website may contain links to third-party websites, platforms, or services. These third-party services operate independently of ZeneX. We are not responsible for their content, availability, security, or terms.

Users should review the applicable terms and privacy policies of third-party services before using them.

19. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws applicable in the Federal Republic of Nigeria, subject to any mandatory legal or regulatory requirements that may apply to a particular transaction or service.

Any dispute arising from these Terms or your use of ZeneX services shall be handled through the applicable dispute-resolution and legal processes.

20. Contact Us

For questions regarding these Terms or ZeneX services:

ZeneX Orb LTD
Email: zenexorb@gmail.com
Website: zenexorb.com

Building better cross-border payment experiences for Africa.