Terms of Service

Welcome to Zlude, a money transfer platform operating worldwide. By accessing or using our services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

These Terms constitute a legally binding agreement between you and Zlude regarding your use of our money transfer services, website, and mobile applications.

Zlude provides digital money transfer services that enable users to send and receive money across countries worldwide. Our services include:

• Cross-border money transfers between countries worldwide
• Multi-currency wallet functionality
• Real-time exchange rate information
• Transaction tracking and history
• Customer support services

Our services are subject to regulatory approval and availability in your jurisdiction.

To use Zlude services, you must:

• Be at least 18 years old or the age of majority in your jurisdiction
• Provide accurate and complete registration information
• Verify your identity through our KYC (Know Your Customer) process
• Maintain the security of your account credentials
• Comply with all applicable laws and regulations

You are responsible for all activities that occur under your account and must notify us immediately of any unauthorized use.

When using our money transfer services:

• Transaction Limits: Daily, monthly, and annual limits apply based on your verification level
• Processing Time: Most transfers are processed within minutes, but may take up to 24 hours
• Exchange Rates: Rates are determined at the time of transaction initiation
• Cancellation: Transactions may be cancelled before processing, subject to our policies
• Failed Transactions: Funds will be returned to your account if a transfer fails

Our fee structure includes:

• Transfer Fees: Charged per transaction based on amount and destination
• Exchange Rate Margin: Applied to currency conversions
• Account Maintenance: No monthly fees for standard accounts
• Premium Services: Additional fees may apply for expedited transfers

All fees are clearly displayed before transaction confirmation. We reserve the right to modify our fee structure with 30 days' notice.

You agree not to:

• Use our services for illegal activities or money laundering
• Provide false or misleading information
• Attempt to circumvent security measures or transaction limits
• Use our services to fund terrorism or other prohibited activities
• Violate any applicable laws or regulations
• Interfere with the proper functioning of our platform

Violation of these terms may result in account suspension or termination.

As a regulated financial service provider, we must comply with various regulations including:

• KYC/AML: Customer identification and anti-money laundering procedures
• Sanctions Screening: Checking against international sanctions lists
• Reporting: Submitting required reports to regulatory authorities
• Record Keeping: Maintaining transaction records as required by law

Your cooperation with these compliance requirements is mandatory for service provision.

While we strive to provide continuous service availability, we cannot guarantee uninterrupted access. Our services may be temporarily unavailable due to:

• Scheduled maintenance and updates
• Technical difficulties or system failures
• Regulatory requirements or restrictions
• Force majeure events beyond our control

We will provide advance notice of scheduled maintenance when possible.

To the maximum extent permitted by law, Zlude's liability is limited to the amount of the specific transaction in question. We are not liable for:

• Indirect, incidental, or consequential damages
• Loss of profits or business opportunities
• Delays caused by third-party service providers
• Actions taken in compliance with legal or regulatory requirements

If you have a dispute with Zlude:

1. Contact Support: First, contact our customer support team
2. Formal Complaint: Submit a formal complaint if the issue is not resolved
3. Mediation: We may suggest mediation for complex disputes
4. Arbitration: Binding arbitration may be required for certain disputes

You have the right to escalate unresolved complaints to relevant regulatory authorities in your jurisdiction.

These Terms are governed by the laws of the jurisdictions where we operate. For cross-border disputes, the governing law will be determined based on:

• The location of the transaction origin
• Your country of residence
• Applicable international agreements
• Regulatory requirements

We may update these Terms periodically to reflect changes in our services, legal requirements, or business practices. We will notify you of material changes through:

• Email notification to your registered address
• In-app notifications
• Website announcements

Continued use of our services after changes constitutes acceptance of the updated Terms.

For questions about these Terms of Service or legal matters, please contact us: