Terms and conditions
The terms that apply to your use of the platform.
1. About these terms
Independent digital banking platform. Not a licensed bank or financial institution. This platform is independently operated and does not provide regulated banking or real-money payment services. These terms explain how the platform operates and what you can expect from it.
2. Your account
You must provide accurate registration details, keep your password and transfer PIN confidential, and tell us immediately if you believe someone else has accessed your account. You are responsible for activity carried out with your credentials.
3. Account identifiers
Account identifiers are generated for your account from the country configuration. A SWIFT/BIC identifies an institution, never an individual customer account.
4. No financial advice
The platform does not provide banking, payment, credit, investment, tax or legal advice, and no feature constitutes an offer of credit or an approval. Loan products are provided for illustration with the stated interest rate.
5. Security responsibilities
Never share a password, transfer PIN or one-time verification code with anyone, including our support desk. We will never ask you for them.
6. Acceptable use
Do not attempt to disrupt the service, access another customer's records, or probe the platform's authorization controls.
7. Transaction integrity
A transaction is successful only when the backend records a confirmed outcome and issues a receipt. A released hold, an approval or an email notification is not proof of payment. Corrections are made through separate linked refund or reversal records; original records and their audit history are never deleted or silently rewritten.
8. Availability
We aim to keep the service available at all times, but access may occasionally be interrupted for maintenance. Information is provided without warranty of fitness for any particular purpose.
9. Support
Support is provided by the Independent Digital Banking support team. Support desk: Monday–Friday, 08:00–18:00 (UTC) WhatsApp: +6287722997765.
10. Changes to these terms
We may update these terms as the platform develops. The current version always applies to your use of the service.
Independent digital banking platform. Not a licensed bank or financial institution. This platform is independently operated and does not provide regulated banking or real-money payment services.