Terms and Conditions

1. Introduction

Welcome to SendCedis2Naira ("we," "our," or "us"). These Terms and Conditions govern your use of our website and services. By accessing or using our services, you agree to be bound by these Terms and Conditions.

SendCedis2Naira is a digital platform that facilitates currency exchange between Ghanaian Cedis (GHS) and Nigerian Naira (NGN). Our services allow users to send money between Ghana and Nigeria.

2. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding contract
• Provide accurate and complete information during registration
• Comply with all applicable laws and regulations
• Not use our services for any illegal or unauthorized purpose

3. Account Registration

To access our services, you must create an account by providing:

• Your full legal name
• Valid email address
• Active phone number
• Other information as required for verification

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Services

4.1 Currency Exchange

We provide currency exchange services between Ghanaian Cedis (GHS) and Nigerian Naira (NGN). Exchange rates are subject to change based on market conditions.

4.2 Transaction Limits

We may impose transaction limits for security and regulatory purposes. These limits may vary based on your account verification level.

4.3 Processing Times

While we strive to process transactions instantly, processing times may vary based on:

• Bank processing times
• Regulatory requirements
• Technical issues
• Public holidays

5. Fees and Charges

Our service fees are clearly displayed before you confirm any transaction. By proceeding with a transaction, you agree to pay the applicable fees.

Fees may include:

• Exchange rate margin
• Transaction fees
• Bank or payment processor charges

All fees are non-refundable once a transaction has been processed.

6. Exchange Rates

Exchange rates are determined by market conditions and may fluctuate. The rate applicable to your transaction is the rate displayed at the time of transaction confirmation.

We reserve the right to adjust exchange rates without prior notice. Rate guarantees, if offered, will be explicitly stated during the transaction process.

7. Transaction Cancellation and Refunds

Once a transaction has been initiated, cancellation may not be possible. Refunds, when applicable, will be processed at the current exchange rate, which may result in a loss due to exchange rate fluctuations.

Refund requests will be considered in the following circumstances:

• Failed transactions due to technical errors on our platform
• Unauthorized transactions
• Transactions that violate our terms or applicable laws

8. User Responsibilities

You agree to:

• Provide accurate recipient information
• Ensure you have sufficient funds for transactions
• Verify transaction details before confirmation
• Report any unauthorized transactions immediately
• Comply with all applicable laws and regulations

9. Prohibited Activities

You may not use our services for:

• Money laundering or terrorist financing
• Fraudulent activities
• Transactions involving illegal goods or services
• Circumventing transaction limits
• Any activity that violates applicable laws

10. Privacy and Data Protection

We collect and process personal information in accordance with our Privacy Policy. By using our services, you consent to such processing.

We implement security measures to protect your data but cannot guarantee absolute security. You are responsible for maintaining the security of your account credentials.

11. Intellectual Property

All content on our website, including logos, text, graphics, and software, is our property or the property of our licensors and is protected by intellectual property laws.

You may not reproduce, distribute, or create derivative works without our express written permission.

12. Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits or data
• Damages resulting from delays or service interruptions
• Third-party actions or omissions

Our total liability for any claim related to our services shall not exceed the amount of the transaction in question.

13. Indemnification

You agree to indemnify and hold harmless SendCedis2Naira, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, or losses arising from:

• Your use of our services
• Your violation of these Terms and Conditions
• Your violation of any laws or third-party rights

14. Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective upon posting on our website. Your continued use of our services after changes constitutes acceptance of the modified terms.

We will notify users of material changes through email or prominent notices on our website.

15. Termination

We may suspend or terminate your account and access to our services at our discretion, with or without cause, and with or without notice.

You may terminate your account at any time by contacting customer support. Termination does not affect obligations incurred prior to termination.

16. Governing Law and Dispute Resolution

These Terms and Conditions shall be governed by and construed in accordance with the laws of Ghana.

Any disputes arising from these terms or your use of our services shall be resolved through negotiation, mediation, or arbitration before resorting to litigation.

17. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

• Email: [email protected]
• Phone: +233 XXX XXX XXX
• Address: [Your Business Address]