Terms and Conditions

1. Introduction

Welcome to Finvenit LLC (“Finvenit,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of our mobile applications, websites, APIs, software platforms, and remittance services (collectively, the “Services”).

By accessing or using the Services, you agree to be legally bound by these Terms. If you do not agree, you may not use the Services.

2. Company Information

Finvenit LLC

Miami, Florida, United States

For support or questions regarding these Terms, please contact:

Email: [email protected]

3. Description of Services

Finvenit provides technology-enabled cross-border payment and remittance services, including but not limited to:

• International money transfers
• Payment processing services
• Foreign exchange and payout facilitation
• Wallet and virtual account integrations
• Bank transfer and card funding capabilities
• Compliance and transaction monitoring infrastructure

Services may vary depending on jurisdiction, partner availability, and regulatory requirements.

Certain Services may be provided through regulated banking, payment, or money transmission partners.

4. Eligibility

To use the Services, you must:

• Be at least 18 years old
• Reside in a jurisdiction where the Services are available
• Have the legal capacity to enter into binding agreements
• Provide accurate and complete registration information

Finvenit reserves the right to refuse service to any user at its sole discretion and as required by law or compliance obligations.

5. Account Registration and Verification

You agree to provide current, complete, and accurate information during registration and throughout your use of the Services.

Finvenit may require identity verification, Know Your Customer (“KYC”), sanctions screening, source-of-funds verification, or additional compliance reviews before allowing access to certain Services.

You authorize Finvenit and its partners to verify your identity through third-party providers and public or private databases.

Failure to provide requested information may result in delayed transactions, restricted account access, or account termination.

6. Permitted Use

You agree to use the Services only for lawful purposes and in compliance with all applicable laws and regulations.

You may not use the Services to:

• Engage in fraud, money laundering, terrorist financing, or illegal activity
• Violate sanctions laws or OFAC restrictions
• Provide false or misleading information
• Use stolen payment methods or identities
• Circumvent transaction limits or compliance controls
• Interfere with the security or operation of the Platform
• Conduct unauthorized commercial activity

Finvenit reserves the right to investigate suspicious activity and report transactions to regulators or law enforcement when required.

7. Transactions and Authorization

By initiating a transaction, you authorize Finvenit and its service providers to process payment instructions on your behalf.

You are responsible for confirming:

• Recipient information
• Wallet addresses
• Bank account details
• Payment amounts
• Currency selection

Transactions may be delayed, rejected, canceled, frozen, or reversed if required for:

• Compliance reviews
• Fraud prevention
• Regulatory obligations
• Technical issues
• Partner bank or payment network requirements

Finvenit is not responsible for losses resulting from incorrect recipient or payment information submitted by you.

8. Fees and Exchange Rates

Applicable fees, exchange rates, spreads, and charges will be disclosed before you confirm a transaction.

Exchange rates may include a margin above market rates.

Third-party banking, intermediary, blockchain, or payout provider fees may apply and are outside Finvenit’s control.

Finvenit reserves the right to modify pricing or fees at any time, subject to applicable law.

9. Transaction Limits

Finvenit may establish daily, weekly, monthly, or lifetime transaction limits based on:

• Verification level
• Jurisdiction
• Compliance requirements
• Transaction history
• Risk assessment

We reserve the right to adjust limits or request additional documentation at any time.

10. Compliance and Regulatory Disclosures

Finvenit operates in compliance with applicable anti-money laundering (“AML”), sanctions, and counter-terrorist financing regulations.

Transactions may be screened against government watchlists and monitored for suspicious activity.

Finvenit may:

• Request additional documentation
• Delay or block transactions
• File regulatory reports
• Suspend or terminate accounts

as required by applicable law or regulatory obligations.

11. Third-Party Providers

Certain Services are enabled through third-party financial institutions, banking partners, payment processors, card issuers, liquidity providers, digital asset infrastructure providers, and compliance vendors.

Your use of certain Services may also be subject to additional third-party agreements, disclosures, and policies.

Finvenit is not a bank and does not itself provide insured deposit accounts unless explicitly stated.

Banking services, where applicable, are provided by partner financial institutions.

12. Intellectual Property

All content, trademarks, software, branding, logos, interfaces, and technology associated with the Services are the property of Finvenit or its licensors.

You may not:

• Copy
• Reverse engineer
• Modify
• Distribute
• Reproduce
• Commercialize

any portion of the Services without prior written consent.

13. Privacy

Your use of the Services is also governed by the Finvenit Privacy Policy.

By using the Services, you consent to the collection, storage, sharing, and processing of your information as described in the Privacy Policy.

14. Suspension and Termination

Finvenit may suspend, restrict, or terminate your access to the Services immediately and without notice if:

• You violate these Terms
• We suspect fraudulent or illegal activity
• Required by law or regulators
• Required by banking or payment partners
• Your activity presents compliance or reputational risk

You may stop using the Services at any time.

15. Disclaimers

The Services are provided “as is” and “as available.”

Finvenit does not guarantee:

• Uninterrupted availability
• Error-free operation
• Specific processing times
• Availability in all jurisdictions

To the maximum extent permitted by law, Finvenit disclaims all warranties, express or implied.

16. Limitation of Liability

To the fullest extent permitted by law, Finvenit and its affiliates, officers, directors, employees, agents, and partners shall not be liable for:

• Indirect damages
• Lost profits
• Data loss
• Business interruption
• Delayed transactions
• Currency fluctuations
• Third-party service failures

Finvenit’s total liability shall not exceed the amount of fees paid by you to Finvenit in connection with the applicable transaction giving rise to the claim.

17. Indemnification

You agree to indemnify and hold harmless Finvenit and its affiliates from any claims, losses, liabilities, damages, costs, or expenses arising from:

• Your use of the Services
• Violation of these Terms
• Violation of applicable law
• Fraudulent or unauthorized activity associated with your account

18. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.

19. Changes to These Terms

Finvenit may modify these Terms at any time.

Updated versions will be posted on the Platform with a revised effective date.

Continued use of the Services after updates constitutes acceptance of the revised Terms.

20. Contact Information

Finvenit LLC

Miami, Florida, United States

Support: [email protected]