Terms of use

1. Definitions and user categories

To support clear international operations, these definitions apply throughout this Agreement.

2. System overview and core services

2.1 Cross-border remittances

Vixzz enables eligible users to send funds across supported international corridors. The System routes transactions from supported funding origins to target jurisdictions based on availability, partner support, and compliance review.

2.2 Payment and liquidity rails

Vixzz may use advanced financial routing, including secure blockchain-backed settlement rails such as USDT or USDC, to support fast asset-backed agent and partner settlement where permitted by law and partner rules.

2.3 Local currency user experience

User-facing screens focus on local fiat currencies such as KES, USD, EUR, GBP, and other supported currencies. Background settlement mechanics used by liquidity partners do not change the customer-facing quote, fee, receive amount, or confirmation experience unless expressly disclosed.

2.4 Payout architecture

The System may support recipient payouts through localized rails, including bank deposits, card networks, wallet providers, and mobile money networks, subject to country coverage and partner availability.

3. International scope, eligibility, and compliance

3.1 Age and legal capacity

You must be at least eighteen (18) years old, or the age of legal majority in your country of residence, and must have legal capacity to enter into a binding contract. If you register for a Business Client, you represent that you have authority to bind that entity.

3.2 Sanctions and AML compliance

You represent that you are not located in, organized in, operating from, or ordinarily resident in a restricted jurisdiction, and that you are not listed on a sanctions, denied persons, politically exposed, or restricted party list that would prohibit Vixzz from serving you.

3.3 Geolocation restrictions

Vixzz may restrict access, service availability, app versions, payout methods, API endpoints, or transaction features based on IP address, GPS telemetry, device data, cellular country code, declared residence, business location, or local licensing requirements.

4. Account registration, security, and zero-trust principles

4.1 Onboarding and verification

To access financial features, you may need to complete KYC or KYB verification. You agree to provide accurate, current, and complete information, including legal name, business registration documents, tax identification numbers, physical address, ownership details, and government-issued identification where required.

4.2 Account security and biometrics

You are responsible for protecting your credentials, devices, passkeys, one-time passwords, and account sessions. The Vixzz mobile application may support biometric confirmation, including secure face, palm, or device-based verification, where enabled by the device and permitted by law.

Vixzz will never ask for your password or private security keys. Contact support@vixzz.com immediately if you suspect account, device, credential, or API key compromise.

4.3 Zero-trust security architecture

• Data isolation: Sensitive payloads, API tokens, and transaction secrets are designed to be isolated using multi-layer encryption controls.
• Infrastructure security: Vixzz designs systems to limit raw access to sensitive transaction values and cryptographic signing materials.
• Endpoint protection: Mobile and API endpoints may use automated controls to reduce brute-force, fraud, abuse, scraping, and other security risks.

5. Quotes, rates, and fees

5.1 Structure of quotes

Before you confirm a transaction, the System may show a quote containing:

• The send amount in the origin fiat currency.
• The receive amount to be delivered in the recipient's local currency.
• Applicable platform, network, payment, or partner fees.
• The exchange rate applied to the conversion.
• An estimated arrival time for the final payout.

5.2 Expiration and market changes

Quotes may expire after a defined time-to-live period. If a quote expires before confirmation, the System may recalculate the rate, fee, or availability before allowing confirmation.

5.3 Finality of pricing

Once you confirm a transfer or authorize a business payout, the displayed pricing is locked for that transaction, subject to successful funding, compliance review, partner availability, and any additional rules disclosed before confirmation.

6. Wallet, cash balance, and transfer activity

6.1 Cash Balance features

Where approved for your market, Vixzz may provide a Cash Balance view that lets you:

• View available fiat-denominated funds.
• Prepare future international transfers.
• Pre-fund approved business payout queues.
• Track historical agent, customer, or settlement activity.

6.2 Funding and liquidity limits

Funding methods, withdrawals, transaction velocity, balance limits, payout methods, and settlement options depend on country, verification tier, currency, partner support, local regulation, and Vixzz risk controls.

6.3 Separation of operational funds

Where required, Vixzz aims to keep user Cash Balances separate from corporate operating accounts through designated safeguarding, custodial, or partner-held accounts, subject to local product structure and applicable law.

7. Business payouts and developer API access

7.1 Technical onboarding and security review

Production API access may require KYB review, technical security review, contracts, partner approval, and credential management controls. Live API keys, production credentials, private certificates, or signing secrets must not be hardcoded into public repositories, mobile clients, browser code, or logs.

7.2 Webhook verification and idempotency

• Idempotency: API Developers must use unique idempotency keys for programmatic payout requests. Vixzz is not liable for duplicate payouts caused by failure to implement retry-safe idempotency.
• Webhook signing: Developers must verify Vixzz webhook signatures and timestamps to reduce spoofing, replay, and injection risk.

7.3 Rate limiting and traffic management

Vixzz may throttle, suspend, or terminate API access if developer infrastructure causes service instability, fraud exposure, chargeback risk, security alerts, network abuse, excessive retries, or partner compliance issues.

8. Prohibited conduct and anti-fraud policy

8.1 Illegal acts and financial crimes

• Money laundering and fraud: Do not use Vixzz to disguise illegal funds, structure transactions, submit fraudulent card activity, or manipulate transfer records.
• Sanctions evasion: Do not route funds to or from restricted persons, entities, regions, or prohibited use cases.
• Deceptive transfer behavior: Do not provide false recipient names, artificial invoices, inaccurate business purposes, or dummy tracking information.

8.2 System misuse and evasion

• Verification bypassing: Do not create duplicate accounts, use synthetic identities, use stolen identities, or bypass KYC, KYB, velocity, or risk controls.
• Speculative exploits: Do not use Vixzz for arbitrage loops, automated currency trading, gambling, unsupported investment schemes, or activity not approved in writing by Vixzz.

8.3 Infrastructure abuse and reverse engineering

• Software disruption: Do not introduce malware, malicious scripts, logic bombs, scrapers, or high-volume tools designed to extract pricing logic or degrade service.
• Exploitation: Do not develop, distribute, or use modified application files, third-party wrappers, or scripts that bypass biometric checks, native runtime protections, or security controls.

9. Delays, reversals, and transaction cancellations

9.1 Right to hold or pause transactions

Vixzz may delay, freeze, reject, cancel, or reverse a transfer, payout, balance movement, or API request if:

• The funding method fails, is reversed, is disputed, or is flagged by an issuing bank or payment partner.
• Recipient information is inaccurate, incomplete, mismatched, or fails screening.
• A payout partner, mobile money network, card network, wallet provider, or clearing bank is unavailable.
• Automated or manual risk review requires additional information or action.

9.2 Cancellation limits

Once a transfer or payout has been fully executed and delivered to the recipient's bank account, card, wallet, mobile money account, or approved payout rail, the transaction may be final and irreversible. Vixzz may be unable to recover funds sent to incorrect details supplied by a user, business client, agent, or developer.

10. Intellectual property rights

10.1 System ownership

The Vixzz platform, including user interfaces, branding, logos, source code, database architecture, algorithms, documentation, SDKs, API specifications, cryptographic frameworks, and operational workflows, is owned by Vixzz Technologies Ltd or its licensors.

10.2 Limited revocable license

Vixzz grants you a limited, non-exclusive, non-transferable, non-assignable, revocable license to access the System solely for approved consumer, business, agent, or developer use. These Terms do not transfer ownership, patents, trademarks, or other intellectual property rights.

11. Disclaimer of warranties and limitation of liability

11.1 Warranty disclaimer

The Vixzz System is provided on an "as is" and "as available" basis. To the maximum extent permitted by applicable law, Vixzz makes no warranties, express or implied, regarding uninterrupted availability, component uptime, exchange rate stability, partner network availability, or freedom from temporary technical issues, service interruptions, or network timeouts.

11.2 Limitation of liability

To the fullest extent permitted by law, Vixzz Technologies Ltd, its directors, employees, affiliates, and financial partners will not be liable for indirect, incidental, special, punitive, or consequential damages, including:

• Loss of profits, revenue, opportunity, or goodwill caused by transaction delays.
• Loss or corruption of API data, webhook payloads, or transaction history.
• Operational downtime caused by local mobile networks, internet service providers, partner systems, banking rails, or force majeure events.

Vixzz's maximum aggregate liability for claims arising from these Terms will not exceed the transaction fees paid by you to Vixzz during the twelve (12) months immediately preceding the event that gave rise to the claim, unless applicable law requires a higher minimum remedy.

12. Indemnification

You agree to defend, indemnify, and hold harmless Vixzz Technologies Ltd, its directors, officers, employees, affiliates, service providers, and processing network partners from third-party claims, losses, damages, liabilities, and expenses, including reasonable legal fees, arising from:

• Your breach of these Terms.
• Your negligent or inaccurate entry of recipient, banking, card, wallet, mobile money, or business data.
• Your API integration, webhook handling, infrastructure, or software vulnerability that affects the Vixzz network.
• Your violation of consumer protection, anti-money laundering, sanctions, data privacy, or financial services law in your market.

13. Modifications to Terms and System

13.1 Updates to Terms

Vixzz may modify these Terms at any time. When updates occur, we will adjust the "Last updated" date. For material changes that affect user balances, fees, API routing, or core service availability, we may provide at least thirty (30) days' prior notice through platform notification, email, or other reasonable channels where required by law.

13.2 System iteration

Vixzz may update applications, deprecate legacy API endpoints, adjust mobile asset requirements, change supported local payment options, revise payout partners, or update fee structures as the System evolves.

14. Dispute resolution and legal venue

14.1 Governing law

These Terms and transactional interactions with Vixzz Technologies Ltd will be governed by the laws of the jurisdiction where Vixzz Technologies Ltd is formally incorporated, excluding conflict of laws principles. The final production version should identify the applicable jurisdiction after corporate and legal review.

14.2 Binding arbitration

Any legal dispute, controversy, or claim relating to these Terms, including questions about existence, validity, interpretation, breach, or termination, may be resolved by confidential binding arbitration under the arbitration rules specified in the final jurisdiction-specific terms. Proceedings will be conducted in English unless required otherwise by local law.

14.3 Class action waiver

To the extent permitted by law, you and Vixzz agree that each party may bring claims only in an individual capacity and not as a plaintiff, class member, representative, or participant in any class, collective, joint, omnibus, or representative proceeding.