Terms of Service

These Terms of Service ("Terms") apply when you access or use the websites, mobile applications, and other online products and services that link to these Terms (collectively, the "Services").

These Terms constitute a legally binding agreement between you and SGX Remit (Private) Limited, a company duly incorporated under the laws of the Republic of Zimbabwe ("SGX Remit," "we," "us," or "our"). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you must not access or use the Services.

You represent that you are legally capable of entering into contracts under the laws of Zimbabwe. If you are entering into these Terms on behalf of an entity, you represent that you have the authority to bind that entity.

You further represent that you are:

• Not subject to sanctions or listed on any restricted or prohibited persons list maintained by the United Nations, the Government of Zimbabwe, the United States, the European Union, the United Kingdom, or any other applicable authority; and
• Not located in a jurisdiction subject to comprehensive sanctions that would prohibit your use of the Services.

1. General; Third-Party Content and Services; Support

You may access and use the Services only in compliance with these Terms and all applicable laws and regulations of Zimbabwe and any other applicable jurisdiction.

Certain Services may include or rely on third-party content, platforms, software, or services ("Third-Party Content" and "Third-Party Services"). Your use of Third-Party Content or Services is at your own discretion and risk and may be subject to separate terms and privacy policies of the relevant third parties.

SGX Remit does not control, verify, endorse, or assume responsibility for Third-Party Content or Services and disclaims all liability arising from your reliance on or use of them.

Any technical or customer support provided by SGX Remit is offered on an "as available" basis for informational purposes only. SGX Remit does not guarantee the accuracy or outcome of any support provided and will not be liable for losses arising from reliance on such support, except in cases of gross negligence or wilful misconduct under Zimbabwean law.

SGX Remit will never request your private keys, recovery phrases, or request payments via unofficial communication channels.

2. Changes to Services and Terms

We may modify, suspend, or discontinue any part of the Services at any time. We may also amend these Terms from time to time by posting updated Terms on our website. Material changes will apply prospectively.

Your continued use of the Services after changes become effective constitutes acceptance of the revised Terms. If you do not agree, your sole remedy is to stop using the Services.

3. Use of Services; Account Security

You are responsible for:

• All activities conducted through your account
• Maintaining the confidentiality of login credentials
• Ensuring information you provide is accurate, complete, and up to date

SGX Remit shall not be liable for any loss or damage resulting from your failure to safeguard your account or comply with this section.

4. Fees and Taxes

You agree to pay all applicable fees disclosed at the time you place an order or transaction. Fees may include charges imposed by third-party service providers.

You are solely responsible for:

• All applicable taxes, levies, or government charges imposed under Zimbabwean law or any other applicable jurisdiction (excluding taxes on our income)
• Any foreign exchange or transaction-related charges

All fees are non-refundable unless expressly stated otherwise.

5. Suspension and Termination

We may immediately suspend or restrict your access to the Services if we reasonably determine that:

• Your use poses a security or legal risk
• Your use violates these Terms or applicable law
• You are engaged in fraudulent or unlawful activity
• You fail to pay amounts due

We may terminate your account upon 30 days' written notice. Upon termination, you must cease using the Services, and no refunds will be issued.

6. Indemnification

You agree to indemnify, defend, and hold harmless SGX Remit, its directors, officers, employees, and affiliates from all claims, losses, damages, liabilities, and expenses (including reasonable legal fees) arising from:

• Your use of the Services
• Your violation of these Terms or applicable law
• Your content or data
• Any dispute between you and a third party

7. Disclaimer of Warranties

To the maximum extent permitted under the laws of Zimbabwe, the Services are provided "AS IS" and "AS AVAILABLE."

SGX Remit disclaims all warranties, whether express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted availability.

8. Limitation of Liability

To the fullest extent permitted by Zimbabwean law:

• SGX Remit shall not be liable for indirect, incidental, consequential, special, or punitive damages, including loss of profits, data, or goodwill.
• SGX Remit's total aggregate liability shall not exceed the fees paid by you to SGX Remit in the twelve (12) months preceding the event giving rise to the claim.
• Nothing in these Terms excludes liability that cannot be excluded under applicable law.

9. Arbitration and Dispute Resolution

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by binding arbitration in Zimbabwe, in accordance with the Arbitration Act [Chapter 7:15] of Zimbabwe.

The arbitration shall be conducted by a single arbitrator appointed by mutual agreement or, failing agreement, by the Commercial Arbitration Centre of Zimbabwe (CACZ).

The seat of arbitration shall be Harare, Zimbabwe.

Proceedings shall be conducted in English.

Arbitration shall be conducted on an individual basis only. Class or representative actions are not permitted.

Nothing prevents either party from seeking interim or injunctive relief from a competent Zimbabwean court.

10. Assignment

You may not assign or transfer these Terms without our prior written consent. SGX Remit may assign these Terms in connection with a merger, acquisition, restructuring, or sale of assets.

11. Entire Agreement

These Terms constitute the entire agreement between you and SGX Remit regarding the Services and supersede all prior agreements or understandings.

12. Force Majeure

Neither party shall be liable for failure or delay caused by events beyond reasonable control, including natural disasters, power outages, government actions, war, or telecommunications failures.

13. Export Control and Sanctions

You agree to comply with all applicable export control, sanctions, and anti-money laundering laws of Zimbabwe and other applicable jurisdictions.

14. Independent Contractors

The parties are independent contractors. Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship.

15. Eligibility

If you are under the age of majority under Zimbabwean law, you may only use the Services with parental or legal guardian consent.

16. Notices

Notices may be provided electronically via email, platform notifications, or website postings and shall be deemed effective when sent.

17. No Third-Party Beneficiaries

These Terms do not confer any rights on third parties.

18. No Waiver

Failure to enforce any provision shall not constitute a waiver.

19. Severability

If any provision is held invalid, the remaining provisions shall remain in full force and effect.

20. Definitions

Definitions are substantially similar to those set out in the original Terms and apply consistently throughout this agreement.