Terms And Conditions
Effective Date: 23/01/2025
These Terms and Conditions ("Terms") govern the use of services provided by Indexs Capital Group ("we," "us," "our"), a company registered in Burkina Faso as Indexs Capital Group S.A, and in other countries as Indexs Capital Group SARL or Indexs Capital Group in parts of Europe and Asia. We operate in compliance with United Kingdom (UK) laws, European Union (EU) regulations, international laws, and the regulations set forth by the Central Bank of West African States (BCEAO). By accessing or using our services, you agree to these Terms. If you do not agree, you must not use our services.
For support, contact us at Support@indexs-capital.com.
1. Definitions
"User": Refers to any individual or entity accessing or using our services.
"Merchant": Refers to businesses that use our platform to accept payments or manage transactions.
"Agent": Refers to authorized representatives facilitating services on our behalf.
"Services": Includes regional and multi-currency money transfer services within the Franc CFA Zone and other regions where we operate.
"BCEAO": The Central Bank of West African States, which regulates monetary policy within the Franc CFA Zone.
"Applicable Laws": Refers to all laws and regulations applicable to our operations, including but not limited to UK laws, EU regulations, BCEAO guidelines, and international standards on anti-money laundering (AML) and counter-terrorism financing (CFT).
2. Eligibility
To use our services, you must:
Be at least 18 years old or the age of majority in your jurisdiction.
Provide accurate and verifiable personal information.
Not be prohibited from using financial services under Applicable Laws.
3. Services Overview
We provide a multi-currency digital wallet platform for:
Regional and multi-currency money transfers.
Payment processing for merchants.
Facilitation of transactions by agents.
Our services do not include:
Virtual or physical card issuance.
Interest-bearing accounts.
4. User, Merchant, and Agent Responsibilities
Accurate Information: All parties must provide accurate and up-to-date information during registration and transactions.
Compliance: All parties agree to comply with all Applicable Laws, including BCEAO, UK, EU, and international standards.
Prohibited Activities: No party may use our services for:
Fraudulent or illegal activities.
Money laundering or terrorist financing.
Transactions involving prohibited goods or services under UK, EU, BCEAO, or international laws.
Agent Obligations: Agents must adhere to specific guidelines provided by us and comply with local regulations.
Merchant Obligations: Merchants must ensure all transactions comply with consumer protection laws and avoid fraudulent activities.
5. Fees and Charges
Users, merchants, and agents will be notified of all applicable fees before completing a transaction.
Fees are non-refundable except as required by Applicable Laws.
We reserve the right to modify fees with prior notice.
6. Transaction Limits
Transaction limits are determined based on BCEAO, UK, and EU regulations, as well as verification levels.
We reserve the right to suspend or limit transactions to ensure compliance with AML and CFT regulations.
7. Data Protection and Privacy
We are committed to protecting user data in compliance with the General Data Protection Regulation (GDPR), UK data protection laws, and BCEAO guidelines.
Users consent to the collection, processing, and storage of their data for service delivery, compliance, and security purposes.
Refer to our Privacy Policy for more details.
8. Dispute Resolution
All disputes will be resolved in accordance with international arbitration rules, BCEAO dispute resolution mechanisms, and UK laws.
Users may submit disputes to our customer support team before pursuing arbitration.
The governing law for these Terms will be English law, BCEAO regulations, and international standards.
9. Limitation of Liability
We are not liable for losses arising from:
Unauthorized access to accounts due to negligence.
Service interruptions caused by third-party providers.
Events beyond our control, such as natural disasters or regulatory changes.
Our maximum liability is limited to the amount of the disputed transaction.
10. Suspension and Termination
We reserve the right to suspend or terminate accounts for:
Non-compliance with these Terms.
Suspected fraudulent or illegal activity.
Violations of BCEAO, UK, EU, or international regulations.
Users, merchants, and agents may terminate their accounts by providing written notice.
11. Amendments
We may update these Terms from time to time. Users will be notified of significant changes via email or in-app notifications. Continued use of our services constitutes acceptance of the revised Terms.
