Terms & Conditions

ClearFin – Terms and Conditions

Last Updated: July 7th, 2025

These Terms and Conditions (“Terms”) govern your access to and use of the products, services, and platforms (collectively, the “Services”) provided by ClearFin (“ClearFin,” “we,” “our,” or “us”). By registering for, accessing, or using the Services, you agree to be bound by these Terms, our Privacy Policy, and any applicable supplemental terms.

If you do not agree to these Terms, you may not use the Services.

1. About ClearFin

ClearFin is a financial technology company offering money remittance, online banking, and related financial services. We are not a bank. Certain services may be provided through our licensed partners, including regulated financial institutions, payment processors, and money transmitters.

2. Eligibility

You must:

• Be at least 18 years old (or the legal age of majority in your jurisdiction)
• Have the legal capacity to enter into these Terms
• Use the Services only for lawful purposes and in compliance with all applicable laws

We may request proof of identity or additional information before granting or continuing your access to the Services.

3. Account Registration

To access certain Services, you must create an account. You agree to:

• Provide accurate and complete information
• Keep your login credentials secure and confidential
• Notify us immediately if you suspect unauthorized access

You are responsible for all activity conducted through your account.

4. Money Remittance and Transactions

• All transactions are subject to verification, fraud checks, and compliance reviews.
• Fees, exchange rates, and limits will be disclosed before confirming your transaction.
• Once a transaction is processed, it may be irreversible unless required by law.
• We are not responsible for delays or losses caused by inaccurate recipient details, regulatory requirements, or third-party service interruptions.

5. Prohibited Activities

You may not use the Services to:

• Violate any applicable laws or regulations
• Engage in fraudulent, deceptive, or illegal transactions
• Facilitate money laundering, terrorist financing, or other criminal activity
• Abuse promotions or referral programs

We may suspend or terminate your account if we suspect prohibited activity.

6. Fees and Charges

All applicable fees are disclosed prior to confirming a transaction. Fees are non-refundable unless otherwise stated in writing or required by law.

7. Compliance and Verification

We comply with Know Your Customer (“KYC”), Anti-Money Laundering (“AML”), and other applicable financial regulations. You agree to provide any information requested for compliance purposes.

8. Disclaimers

• The Services are provided “as is” and “as available” without warranties of any kind, except as required by law.
• We do not guarantee uninterrupted access, error-free operation, or that transactions will always be completed within a specific timeframe.

9. Limitation of Liability

To the fullest extent permitted by law, ClearFin will not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Services. Our total liability to you for any claim will not exceed the total fees paid by you to us in the 3 months prior to the claim.

10. Termination

We may suspend or terminate your account at any time for violation of these Terms, suspected fraud, or regulatory requirements. You may close your account at any time, but certain legal and regulatory obligations may require us to retain your information.

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of [Insert Jurisdiction]. Any disputes will be resolved exclusively in the courts of [Insert Jurisdiction], unless otherwise required by applicable law.

12. Changes to Terms

We may update these Terms from time to time. The updated version will be posted on our website with the “Last Updated” date. Continued use of the Services after changes are posted constitutes acceptance of the updated Terms.

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