Terms of Service

To use ExConsult services, you must:

• Be at least 18 years of age
• Have legal capacity to enter into binding contracts
• Provide accurate and complete information during registration
• Comply with all applicable laws and regulations
• Complete our Know Your Customer (KYC) verification process

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

ExConsult provides the following services:

Transaction Processing

• Transactions are processed based on the information you provide
• Processing times may vary depending on destination country and delivery method
• Exchange rates are determined at the time of transaction and may fluctuate
• You will be shown the total cost, including fees, before confirming any transaction

Fees and Charges

• Transfer fees vary based on amount, destination, and delivery method
• Exchange rate margins are applied to currency conversions
• All fees are disclosed before you complete a transaction
• We reserve the right to modify our fee structure with advance notice

You agree not to use our services for:

• Money laundering or terrorist financing
• Fraud, scams, or any illegal activities
• Transactions involving proceeds of crime
• Purchases of illegal goods or services
• Circumventing any laws or regulations
• Providing false or misleading information
• Using another person's identity or account

As a customer, you are responsible for:

• Providing accurate recipient information
• Ensuring the legitimacy of all transactions
• Keeping your account information up to date
• Safeguarding your login credentials
• Reviewing transaction details before confirmation
• Notifying us immediately of any errors or unauthorized transactions
• Complying with applicable tax reporting requirements

Cancellation Policy

• You may cancel a transaction before it has been processed
• Cancellation requests must be made through official channels
• Once funds have been disbursed to the recipient, cancellation is not possible

Refunds

• Refunds are provided if we cannot complete a transaction due to our error
• Processing fees may be deducted from refunds
• Refunds are processed within 5-10 business days
• Refunds are issued to the original payment method

ExConsult and its affiliates, directors, employees, and agents will not be liable for:

• Delays or failures caused by circumstances beyond our reasonable control
• Loss or damage arising from your failure to provide accurate information
• Actions or inactions of third-party payment providers
• Changes in exchange rates after transaction completion
• Indirect, incidental, or consequential damages

Our total liability to you for any claims related to our services is limited to the amount of the transaction in question.

ExConsult operates in compliance with all applicable laws and regulations, including:

• Anti-Money Laundering (AML) regulations
• Counter-Terrorism Financing (CTF) laws
• Know Your Customer (KYC) requirements
• Data protection and privacy laws
• Financial services regulations

We reserve the right to request additional documentation or information to verify your identity and comply with regulatory requirements. Failure to provide requested information may result in transaction delays or account suspension.

We reserve the right to suspend or terminate your account if:

• You violate these Terms of Service
• We suspect fraudulent or illegal activity
• You provide false or misleading information
• Required by law or regulatory authorities
• Your account has been inactive for an extended period

You may also terminate your account at any time by contacting our customer service. Upon termination, any pending transactions will be completed or cancelled, and remaining funds will be returned to you after deducting applicable fees.

We may update these Terms of Service from time to time. When we make changes, we will:

• Post the updated Terms on our website
• Update the "Effective Date" at the top of this page
• Notify you via email or through our platform (for material changes)

Your continued use of our services after changes take effect constitutes acceptance of the updated Terms.

These Terms are governed by the laws of Ghana. Any disputes arising from these Terms or our services will be resolved through:

1. Good faith negotiations between the parties
2. Mediation, if negotiations fail
3. Arbitration or court proceedings in Ghana, if necessary