Terms of Service
Effective date: 31 August 2025
These Terms govern your access to and use of Spondula’s global payment services, wallet and related features. By using our services you agree to these Terms.
Use Spondula lawfully, keep your account secure, and comply with our acceptable use. We can update the services and these Terms; we’ll notify you of material changes.
1. Eligibility & Accounts
You must be at least 18 and able to form a contract. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.
2. Services
We provide international money transfer, wallet services, and merchant payment features. Availability may vary by jurisdiction and partner integration.
3. Fees & FX
We may charge fees and apply exchange rates for currency conversion. Fees will be disclosed in-app or at the point of transaction.
4. Acceptable Use
- No illegal, fraudulent, or abusive activity.
- No attempts to bypass security, rate limits, or compliance checks.
- No prohibited businesses or sanctions violations.
5. Compliance & Checks
You agree to provide accurate information and cooperate with identity, KYC/AML and sanctions screening. We may suspend or terminate access where required by law or policy.
6. Risk & Limits
We may place limits on transactions, balances, and features and may delay or reverse transactions where fraud or legal issues are suspected.
7. Intellectual Property
All rights in the Spondula platform, trademarks, and content remain with Spondula and our licensors. You receive a limited, revocable, non-transferable license to use the services as intended.
8. Data & Privacy
Your personal data is processed as described in our Privacy Policy.
9. Disclaimers
Services are provided "as is" and "as available" to the extent permitted by law. We do not warrant uninterrupted or error-free operation.
10. Liability
To the maximum extent permitted by law, neither party will be liable for indirect or consequential damages. Our total liability is limited to the fees you paid to us in the 12 months preceding the claim.
11. Termination
You may close your account at any time. We may suspend or terminate for breach, fraud, or legal requirements.
12. Changes
We may update these Terms. We’ll notify you of material changes and the effective date. Continued use constitutes acceptance.
13. Governing Law
These Terms are governed by the laws of England and Wales. Courts of England and Wales have exclusive jurisdiction, except where local law requires otherwise.
14. Contact
Email: legal@spondula.com