1. Acceptance of Terms

By accessing and using the Zepnio platform, you acknowledge that you have read, understood, and agreed to these Terms and Conditions, along with our Privacy Policy. If you do not agree with any part of these terms, please refrain from using our services.

2. Changes to Terms

Zepnio reserves the right to update or modify these Terms and Conditions at any time. Any changes will be communicated by updating the “Last Updated” date on this page. Continued use of our services after such modifications signifies your acceptance of the revised terms.

3. Use of Our Service

• You must be at least 18 years old or have the permission of a legal guardian to use this Service.
• You agree to use our Service only for lawful purposes and in a manner that does not infringe on the rights of, restrict, or inhibit others.

4. Fees and Exchange Rates

• Fees for transactions are clearly displayed before confirmation. By proceeding with a transaction, you accept the fees and exchange rates at the time of the transaction.
• Exchange rates may fluctuate due to market conditions and are subject to change without notice.

5. Transaction Limits

• Zepnio may enforce transaction limits based on factors such as location, account verification level, and regulatory compliance.

• Transactions above certain thresholds may require additional documentation.

6. Accuracy of Information

• You are solely responsible for providing accurate recipient and transaction details.

• Zepnio is not liable for losses or delays resulting from incorrect or incomplete information submitted by the user.

7. Transaction Processing Times

• While Zepnio aims to process transactions swiftly, timing may vary due to external banking processes or unforeseen technical issues.

• We do not guarantee exact delivery times.

8. Refunds and Cancellations

• Refunds may be issued if a transaction cannot be completed, subject to review by our support team.
• Transaction cancellations are not guaranteed once confirmed. Please contact customer support for assistance.

9. Limitation of Liability

• Zepnio shall not be held responsible for delays, interruptions, or losses caused by factors outside our control, including but not limited to system outages, regulatory restrictions, or acts of God.

• Users are responsible for reviewing and confirming all transaction details before final submission.

10. Privacy and Security

• We value your privacy and ensure that your personal information is protected in accordance with our Privacy Policy.
• You are responsible for keeping your account credentials secure and notifying us immediately in case of unauthorized access.

11. Governing Law

These Terms and Conditions are governed by the laws of USA. Any disputes arising from the use of our services will be resolved under the exclusive jurisdiction of the courts in [Insert Jurisdiction].

12. Contact Us

• Email: info@zepnio.com
  Phone: +1 257 558 867
  Address: 6th Floor, The Tea Building, 56 Shoreditch High Street, London, United Kingdom