Terms of Service
Please read these terms carefully before using our services
Agreement to Terms
Welcome to Xchange Box Solutions Ltd. By accessing or using our services, including our mobile applications, websites, and platforms (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms").
These Terms constitute a legally binding agreement between you and Xchange Box Solutions Ltd and its affiliates ("we," "us," or "our"). If you do not agree to these Terms, you may not access or use our Services.
By continuing to use our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.
1. Acceptance and Eligibility
Eligibility Requirements
- You must be at least 18 years old to use our Services
- You must have the legal capacity to enter into binding contracts
- You must provide accurate and complete registration information
- You must comply with all applicable laws and regulations
2. User Responsibilities
As a user of our Services, you agree to:
Accurate Information
Provide true, accurate, current, and complete information during registration and use
Account Maintenance
Maintain and promptly update your account information to keep it accurate and complete
Lawful Use
Use the Services only for lawful purposes and in accordance with these Terms
Compliance
Comply with all applicable local, state, national, and international laws and regulations
3. Account Security
Password and PIN Security
You are responsible for maintaining the confidentiality of your account password and PIN. You agree to:
- Not share your password, PIN, or account credentials with anyone
- Notify us immediately of any unauthorized use of your account
- Change your password immediately if you suspect it has been compromised
- Accept responsibility for all activities that occur under your account
We will NEVER ask for your password or PIN via email, SMS, or phone. Any such request is fraudulent and should be reported to us immediately.
4. Services and Fees
Service Description
Xchange Box Solutions Ltd provides financial technology services including but not limited to:
- Trade financing through Farm4Factory
- Community savings and lending through Kidashi
- Digital payment and transaction services through PayRep
- Financial infrastructure solutions through Shinobi Core
Fees and Charges
We charge fees for certain services and transactions. You agree to pay all applicable fees as disclosed at the time of transaction.
- Transaction fees are displayed before you confirm any transaction
- Fees may vary based on transaction type, amount, and service used
- We reserve the right to modify fees with 30 days' notice
- All fees are non-refundable unless otherwise stated
5. Prohibited Activities
You may not use our Services to:
6. Limitation of Liability
To the fullest extent permitted by law, Xchange Box Solutions Ltd and its affiliates shall not be liable for:
- Indirect, incidental, special, consequential, or punitive damages
- Loss of profits, revenue, data, or business opportunities
- Damages resulting from unauthorized access to your account
- Service interruptions, delays, or errors
Disclaimer: Our Services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that the Services will be uninterrupted, secure, or error-free.
7. Termination
Our Right to Terminate
We reserve the right to suspend or terminate your access to the Services at any time, without notice, for any reason, including but not limited to:
- Violation of these Terms
- Suspected fraudulent, abusive, or illegal activity
- Failure to complete KYC verification
- Prolonged inactivity
Your Right to Terminate
You may terminate your account at any time by contacting us. Upon termination, you remain responsible for any outstanding obligations, and we may retain certain information as required by law or regulation.
8. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify you of material changes through the Services or via email. Your continued use of the Services after such modifications constitutes your acceptance of the updated Terms.
It is your responsibility to review these Terms periodically. The "Last Updated" date at the top of this page indicates when these Terms were last revised.
9. Contact Information
If you have any questions about these Terms, please contact us:
Questions About Our Terms?
Our team is here to help clarify any concerns