Welcome to SmashRemit. These Terms of Service (“Terms”) govern your use of our website, mobile application, and services. By accessing or using SmashRemit, you agree to these Terms. If you do not agree, please discontinue use of our services.

1. Introduction

SmashRemit is a financial technology platform that enables users to perform secure and efficient transactions such as international money transfers, bill payments, savings and investments, currency exchange, and virtual card generation.

2. Eligibility

To use SmashRemit, you must:

• Be at least 18 years old or the legal age of majority in your jurisdiction.
• Have full legal capacity to enter into this agreement.
• Not be a resident in a country that is under any financial sanctions or embargoes.

We may refuse to provide access to the platform to any user at our discretion.

3. Account Registration

To access most features of SmashRemit, you must create an account. You agree to:

• Provide accurate and complete information during registration.
• Keep your login credentials secure.
• Immediately notify us of any unauthorized access to your account.

You are solely responsible for all activity under your account, whether or not authorized by you.

4. Our Services

• Money Transfers – Send and receive funds across supported countries. Transaction processing times may vary based on destination and method.
• Multi-Currency Wallets – Create wallets in different currencies (e.g., NGN, USD, GHS). View balances, receive funds, and convert currency at real-time rates.
• Currency Conversion – Access competitive exchange rates and convert funds between currencies instantly.
• Investments – Participate in fixed-term and flexible investment options with transparent returns (ROI). Each investment plan details risk levels, tenure, and expected ROI.
• Virtual Cards – Generate virtual debit cards for online purchases. These cards are issued by licensed financial partners and are subject to usage limits and KYC compliance.
• Bill Payments – Pay utility bills, mobile airtime, subscriptions, and more directly through the app.

5. Fees & Pricing

We may charge fees for certain services, including but not limited to:

• Currency exchange
• Cross-border transfers
• Virtual card creation
• Investment withdrawals before maturity

All fees will be clearly disclosed before a transaction is completed. We reserve the right to update our fee structure at any time.

6. User Obligations

By using our services, you agree to:

• Comply with all applicable laws and financial regulations.
• Not use SmashRemit for fraudulent, illegal, or harmful activities.
• Refrain from violating our platform’s security or abusing the services in any manner.

7. Prohibited Uses

You may not:

• Use the platform for money laundering or terrorist financing.
• Impersonate any person or entity.
• Violate intellectual property rights.
• Attempt to reverse-engineer or disrupt the service.

Violations may result in account suspension or legal action.

8. KYC & Compliance

To meet financial regulations, we may require Know Your Customer (KYC) verification. You agree to provide accurate identity documents, and we may restrict service access until verification is complete.

9. Investment Disclaimer

All investments involve risk. SmashRemit does not guarantee returns, and you may lose capital. By investing through the platform, you confirm that you understand and accept the associated risks.

10. Intellectual Property

All content, branding, design, software, and features of SmashRemit are protected by intellectual property laws and belong to us or our licensors. You may not reproduce, redistribute, or exploit any part of the platform without our consent.

11. Third-Party Services

Some services may be provided by third parties (e.g., card issuers, payment processors). By using those services, you agree to their terms and policies. We are not responsible for the performance or terms of third-party providers.

12. Limitation of Liability

SmashRemit is not liable for:

• Losses caused by unauthorized account access due to user negligence.
• Delays or failures in performance caused by factors beyond our control (e.g., internet issues, system outages).
• Loss of funds due to incorrect recipient details provided by you.

To the fullest extent permitted by law, our liability is limited to the amount paid by you to us for the applicable service.