Welcome to GxPay!

🌍 GXPay Terms and Conditions

Welcome to GXPay! These Terms and Conditions (“Terms”) govern your use of GXPay’s services, including international money transfers, currency exchange, and related financial tools. By accessing or using GXPay, you agree to be bound by these Terms.

1. 🧾 Eligibility

To use GXPay, you must:

- Be at least 18 years old

- Have legal capacity to enter into contracts

- Comply with all applicable laws and regulations in your country of residence.

GXPay reserves the right to refuse service to anyone at its discretion.

2. 💸 Services Offered

GXPay provides:

- Cross-border money transfers

- Currency conversion

- Transaction tracking and notifications

We do not offer banking services, loans, or investment products.

3. 🌐 Cross-Border Transfers

- Transfers may be subject to local laws, exchange controls, and regulatory restrictions.

- Delivery times vary depending on destination, payment method, and compliance checks.

- GXPay is not liable for delays caused by third-party banks, payment processors, or regulatory authorities.

4. 💰 Fees and Exchange Rates

- Fees are disclosed before confirming a transaction.

- Exchange rates are dynamic and may differ from market rates.

- You agree to pay all applicable fees and accept the exchange rate offered at the time of transaction.

5. 🔐 Security and Compliance

GXPay complies with global financial regulations, including:

European Union (EU)

- GDPR for data protection

- PSD2 for payment services

- AMLD (Anti-Money Laundering Directive)

United States

- Bank Secrecy Act (BSA)

- USA PATRIOT Act

- Office of Foreign Assets Control (OFAC) sanctions compliance

Nigeria

- Central Bank of Nigeria (CBN) guidelines

- Nigerian Financial Intelligence Unit (NFIU) regulations

- Anti-Money Laundering Act (2022)

Asia

- Local AML/KYC laws (e.g., MAS in Singapore, RBI in India, HKMA in Hong Kong)

- Data protection laws (e.g., PDPA in Singapore, PDP Bill in India)

Canada

- Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA)

- FINTRAC reporting requirements

- PIPEDA for data privacy.

GXPay may request identity verification documents and delay, block and report suspicious activity / transactions to relevant authorities.

6. 📵 Prohibited Uses

You may not use GXPay for:

- Fraudulent or illegal activities

- Transactions involving weapons, drugs, or human trafficking

- Circumventing sanctions or financial restrictions.

Violation will result in account suspension, legal action or both.

7. 📄 Account Management

- You are responsible for maintaining the confidentiality of your login credentials.

- Notify GXPay immediately of any unauthorized access.

- GXPay will suspend or terminate accounts for violations of these Terms.

8. 📞 Customer Support

For questions or complaints, contact us at:

Email: support@gx-pay.com, info@gx-pay.com

Phone: +2347120109296

9. ⚖ Limitation of Liability

GXPay is not liable for:

- Indirect, incidental, or consequential damages

- Losses due to exchange rate fluctuations

- Delays or failures caused by third-party providers

10. 📝 Changes to Terms

GXPay may update these Terms at any time. We’ll notify users via email or app notification. Continued use of GXPay after changes means you accept the revised Terms.

11. 📍 Governing Law

GXPay operates under multiple jurisdictions. Disputes will be governed by the laws of the country where the user resides or where the transaction originated, unless otherwise specified.

12. ✅ Acceptance

By using GXPay, you confirm that you have read, understood, and agreed to these Terms and Conditions.