Terms and Conditions

1. Agreement to Terms

By accessing or using our website, mobile application, or any other services provided by Flocent Limited. ("Flocent", "we", "us", or "our"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you may not use our Services.

2. User Accounts

You must register for an account to use certain features of our Services. You agree to provide accurate, current, and complete information during the registration process. You are responsible for safeguarding your password and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.

3. Description of Services

Our Services provide users with the ability to hold multi-currency balances, obtain virtual payment cards, and execute foreign exchange and payment transactions. We reserve the right to modify or discontinue the Services at any time without notice.

4. Prohibited Activities

You agree not to use the Services for any of the following prohibited activities:

• Engaging in any fraudulent activity, including but not limited to, scams, phishing, or impersonation.
• Conducting or funding any illegal activities, including but not limited to, money laundering or terrorist financing.
• Infringing on the intellectual property rights of Flocent or any third party.
• Distributing viruses, malware, or any other malicious code.

5. Fees and Payments

You are responsible for paying all fees associated with your use of the Services. We will always disclose the applicable fees for a transaction to you prior to your confirmation. All fees are non-refundable unless otherwise stated.

6. Intellectual Property

All content, trademarks, service marks, logos, and trade names on our Services are the property of Flocent Limited. or its licensors. You are granted no right or license with respect to any of the foregoing intellectual property.

7. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Flocent, its affiliates, agents, directors, or employees be liable for any indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, or other intangible losses, that result from the use of, or inability to use, this Service.

8. Termination

We may terminate or suspend your account and access to the Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. You may terminate your account at any time by contacting customer support.

9. Governing Law

These Terms shall be governed and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law provisions.

10. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

11. Contact Us

If you have any questions about these Terms, please contact us at [email protected].