Terms of Service

Effective Date: January 1, 2025

1. Acceptance of Terms

By accessing or using Kapitro’s services, you agree to be legally bound by these Terms. If you do not agree, you must not use the platform.

2. Definitions

• “Account” means a registered Kapitro user account
• “Services” means digital banking, payments, and related features

3. Eligibility & Regulatory Restrictions

Users must meet age, legal capacity, and jurisdictional eligibility requirements. Certain services may not be available in all regions.

4. Account Registration & Verification

You agree to provide accurate information and undergo identity verification. Failure to do so may result in service limitation or termination.

5. User Obligations

• Maintain confidentiality of credentials
• Comply with all applicable laws
• Use services only for lawful purposes

6. Prohibited Conduct

• Fraud, money laundering, or sanctions evasion
• Unauthorized access or interference
• Use of automated systems without authorization

7. Transaction Processing

Transactions may be subject to verification, delays, reversals, or regulatory review.

8. Fees & Charges

Applicable fees will be disclosed prior to transaction execution.

9. Suspension & Termination

We may suspend or terminate accounts to comply with law, manage risk, or address violations.

10. Disclaimers

Services are provided “as is” and “as available”, subject to applicable law.

11. Limitation of Liability

Kapitro shall not be liable for indirect or consequential damages to the maximum extent permitted by law.

12. Governing Law

These Terms are governed by applicable laws of Kapitro’s operating jurisdiction.