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Terms of Use

Last updated: 5/30/2025

1. Acceptance of Terms

By accessing or using Xpend.global's services, you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.

2. Eligibility

To use our services, you must be:

  • At least 18 years old
  • A legal resident of Nigeria or other supported countries
  • Able to form a binding contract
  • Not prohibited from using financial services under applicable laws

3. Account Registration

To use our services, you must:

  • Provide accurate and complete registration information
  • Maintain the security of your account credentials
  • Promptly update any changes to your information
  • Have a valid Bank Verification Number (BVN)
  • Complete our KYC verification process

4. Services

Our services include:

  • Multi-currency wallet management
  • Currency exchange
  • International money transfers
  • Virtual card issuance and management
  • Payment processing

5. Fees and Charges

You agree to pay all applicable fees associated with our services. Fees will be clearly displayed before you complete any transaction. We reserve the right to modify our fees with notice.

6. Transaction Limits

Transaction limits may apply based on:

  • Your verification level
  • Regulatory requirements
  • Risk assessment
  • CBN guidelines

7. Prohibited Activities

You may not use our services for:

  • Illegal activities or goods
  • Money laundering
  • Terrorist financing
  • Fraudulent activities
  • Violation of sanctions or trade restrictions

8. Service Availability

While we strive to maintain continuous service availability, we do not guarantee uninterrupted access to our services. We may suspend or terminate services for maintenance, security, or compliance reasons.

9. Compliance with Laws

Our services comply with:

  • Central Bank of Nigeria (CBN) regulations
  • Nigeria Data Protection Regulation (NDPR)
  • Anti-Money Laundering (AML) requirements
  • Know Your Customer (KYC) guidelines

10. Termination

We reserve the right to suspend or terminate your account for:

  • Violation of these terms
  • Suspicious activity
  • Regulatory compliance
  • Risk management

11. Dispute Resolution

Any disputes shall be resolved through:

  • Direct negotiation
  • Mediation
  • Nigerian courts under Nigerian law

12. Contact Us

For questions about these terms, contact us at: