Terms of Service
📋 Effective Date: June 19, 2024
Welcome to Xadi Digital. These Terms of Service govern your use of our digital banking platform and fintech services. Please read carefully before using our services.
🤝 Agreement to Terms
By accessing or using Xadi Digital's digital banking platform, mobile applications, or any related services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.
🔄 Binding Agreement: These Terms constitute a legally binding agreement between you and Xadi Digital.
🏢 About Xadi.digital
Company Details
Xadi Digital is a financial technology company incorporated in the Netherlands, specializing in digital banking platforms and financial software solutions.
Registered Office
Amsterdam, Netherlands
Regulated by Dutch Financial Markets Authority (AFM)
Regulatory Compliance
Licensed for financial services under EU regulations including PSD2, GDPR, and MiFID II.
💼 Our Services
Xadi.digital provides the following services:
🏦 Digital Banking Platform
Comprehensive banking infrastructure including account management, payments, and financial tools.
📱 Mobile Banking Applications
Secure mobile and web applications for personal and business banking needs.
💰 Payment Processing
Real-time payment processing, international transfers, and transaction management.
📊 Financial Analytics
Advanced reporting, analytics, and business intelligence tools for financial management.
🔧 API Integration
Developer APIs for integrating banking services into third-party applications.
🎯 Custom Solutions
Bespoke fintech development and consulting services for financial institutions.
👤 User Accounts and Eligibility
📋 Eligibility Requirements
- 🔞 Age: Must be at least 18 years old (or legal age in your jurisdiction)
- 🆔 Identity: Provide valid identification and complete KYC (Know Your Customer) verification
- 🏢 Business Users: Authorized to act on behalf of your organization
- 🌍 Jurisdiction: Located in a country where our services are available
- ⚖️ Legal Capacity: Have legal capacity to enter into binding agreements
🔐 Account Security
🔑 Credentials
Keep login credentials secure and confidential. Never share passwords or authentication codes.
🚨 Unauthorized Access
Immediately report any suspected unauthorized access or security breaches.
📱 Device Security
Secure devices used to access our services with appropriate locks and security measures.
✅ Accurate Information
Provide accurate, current, and complete information during registration and updates.
💳 Financial Services Terms
💰 Transaction Processing
- Processing Times: Most transactions are processed in real-time, but may take up to 2 business days
- Transaction Limits: Daily, monthly, and per-transaction limits apply as per your account type
- Currency Exchange: Foreign exchange rates are updated in real-time with transparent fees
- Failed Transactions: We are not liable for failed transactions due to insufficient funds or technical issues beyond our control
💵 Fees and Charges
- Transparent Pricing: All fees are clearly disclosed before transaction confirmation
- Monthly Fees: Account maintenance fees as per your service plan
- Transaction Fees: Per-transaction charges for specific services
- International Fees: Additional charges for cross-border transactions
🔄 Refunds and Disputes
- Dispute Resolution: Report transaction disputes within 60 days
- Chargeback Process: Follow established procedures for unauthorized transactions
- Refund Policy: Refunds processed according to payment method and applicable regulations
- Investigation Period: Up to 90 days for complex dispute investigations
🚫 Prohibited Uses
You agree not to use our Services for any of the following prohibited activities:
Illegal Activities
Money laundering, terrorism financing, fraud, or any illegal activities under applicable laws.
Restricted Businesses
Gambling, adult content, illegal substances, or businesses prohibited by payment networks.
Security Violations
Attempting to breach security, reverse engineer software, or access unauthorized areas.
Spam and Abuse
Sending unsolicited communications, creating fake accounts, or abusing our systems.
Financial Crimes
Tax evasion, sanctions violations, or circumventing financial regulations.
Automated Abuse
Using bots, scrapers, or automated tools to abuse or overload our systems.
🛡️ Compliance and Regulatory
🔍 Know Your Customer (KYC)
We are required to verify your identity and may request additional documentation. Failure to provide required information may result in service limitations or account closure.
💼 Anti-Money Laundering (AML)
We monitor transactions for suspicious activity and report as required by law. Unusual transaction patterns may trigger additional verification requirements.
🌍 Sanctions Screening
We screen all users and transactions against international sanctions lists. Matches may result in immediate account restrictions or closure.
📊 Reporting Requirements
We may be required to report certain transactions to regulatory authorities and provide information as required by applicable laws.
🔐 Data Protection and Privacy
Your privacy is important to us. Our collection, use, and protection of your personal data is governed by our Privacy Policy, which forms an integral part of these Terms.
🛡️ Data Security
Bank-grade encryption and security measures protect your sensitive information.
📋 GDPR Compliance
Full compliance with European data protection regulations and your privacy rights.
🤝 Data Sharing
We never sell your data and only share as necessary for service provision or legal compliance.
⚠️ Disclaimers and Limitations
🔧 Service Availability
While we strive for 99.99% uptime, we cannot guarantee uninterrupted service. Maintenance, updates, or technical issues may cause temporary service interruptions.
💹 Investment Disclaimer
Our services do not constitute investment advice. Any financial information provided is for informational purposes only. Consult qualified professionals for investment decisions.
🌐 Third-Party Services
We integrate with third-party services and are not responsible for their availability, security, or performance. Use of third-party services is subject to their terms.
📱 Technology Requirements
Our services require compatible devices, internet connectivity, and up-to-date software. We are not responsible for compatibility issues or technical limitations.
🔄 Termination
👤 User Termination
You may terminate your account at any time by contacting our support team. Some services may have minimum commitment periods or early termination fees.
🏢 Company Termination
We may suspend or terminate your account for:
- Violation of these Terms
- Suspected fraudulent or illegal activity
- Failure to complete required verification
- Extended inactivity (12+ months)
- Regulatory or legal requirements
💰 Post-Termination
Upon termination, you remain responsible for all outstanding fees and obligations. We will assist with the orderly transfer of funds and data as required by law.
⚖️ Governing Law and Disputes
🇳🇱 Governing Law
These Terms are governed by the laws of the Netherlands. Any disputes will be subject to the exclusive jurisdiction of Dutch courts.
🤝 Dispute Resolution
We encourage resolving disputes through direct communication. For formal disputes:
- Internal Resolution: Contact our support team first
- Mediation: Attempt mediation through recognized services
- Arbitration: Binding arbitration under Dutch Arbitration Institute rules
- Court Proceedings: As a last resort in Dutch courts
🌍 International Users
Users outside the Netherlands may be subject to additional local laws and regulations. You are responsible for compliance with applicable local laws.
🔄 Changes to Terms
We may update these Terms periodically to reflect changes in our services, legal requirements, or business practices. Material changes will be communicated with at least 30 days' notice.
📧 Notification
We'll email you about significant changes and post updates on our website.
📅 Review Period
You have 30 days to review changes and decide whether to continue using our services.
✅ Acceptance
Continued use of our services after the effective date constitutes acceptance of new terms.
📞 Contact Information
For questions about these Terms of Service or our services:
General Inquiries
Legal Department
legal@xadi.digital
Compliance Team
compliance@xadi.digital
Support Center
24/7 support through your account dashboard
📅 Last Updated: June 19, 2024
📋 Version: 2.1
🔍 Next Review: December 2024