Terms & Policies
Personal Terms
Last updated on December 26, 2025
General
These Personal Terms govern your access to and use of the financial products and services provided by Zunofy, a USA-based fintech company offering borderless payments, multi-currency accounts, and related financial services (“Zunofy”, “we”, “us”). By using any service, product, website, mobile app, or platform owned or operated by Zunofy, you agree to be bound by these Personal Terms.
Zunofy may update these terms at any time. When changes are made, we will post the revised terms with a new “Last Updated” date. Your continued access or use constitutes acceptance of the updated terms.
Account Eligibility & Verification
You must be at least 18 years old and legally capable of forming a binding contract to use Zunofy services. All users are subject to Know Your Customer (KYC) and Anti-Money Laundering (AML) verification prior to account activation and at any time thereafter. Information collected may include identity, contact details, financial information, and any other information required to comply with applicable laws in the jurisdictions where Zunofy operates.
Payment Services
Zunofy provides digital payment and remittance services, including cross-border money transfers and foreign exchange. Fees, exchange rates (including any zero FX markup promotions), transaction limits, and service terms are disclosed to you prior to completing any transaction.
You agree that payment execution may be subject to regulatory review, third-party processing systems, bank requirements, and other compliance obligations.
Customer Data & Privacy
To deliver services, Zunofy collects personal and financial data. This information may be used for identity verification, transaction processing, compliance monitoring, and customer support. We process personal data in accordance with applicable global data protection laws (e.g., GDPR, CCPA, GLBA) and Zunofy’s Privacy Policy below.
You represent and warrant that all data provided is accurate, complete, and up to date.
Security
You are responsible for protecting your account credentials (including passwords and multi-factor authentication). Zunofy implements reasonable administrative, technical, and physical security measures to safeguard your data and transactions in accordance with recognized industry standards.
We will notify you promptly if we become aware of a security breach involving your account that may cause serious harm.
Communications
By using Zunofy services, you consent to receive electronic communications (including emails, SMS, push notifications) regarding your account, transactions, policy updates, and marketing where permitted.
Dispute Resolution & Governing Law
These Personal Terms and any disputes arising from them will be governed by the laws of the United States (federal and applicable state law). You agree that any legal action will be brought exclusively in the appropriate federal or state courts located in the jurisdiction where Zunofy is incorporated or as required by applicable law.
Limitation of Liability & Indemnification
To the fullest extent permitted by law, Zunofy and its officers, directors, employees, agents, affiliates, and partners are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the services.
You agree to indemnify and hold Zunofy harmless against any claims, damages, losses, liabilities, costs, and expenses arising from your violation of these Personal Terms, misuse of the services, or violation of applicable laws.
How to contact us
If you have questions about these Personal Terms, please contact Zunofy at legal@zunofy.com or through the contact form on our website.
Business Terms
Last updated on December 26, 2025
General
These Business Terms apply to corporate users, institutions, merchants, and other entities (“Business Users”) accessing or using Zunofy’s services for business purposes. Use of business services constitutes acceptance of these terms.
Who Can Use Our Services
Business Users must be legally organized entities capable of entering into binding contracts. Zunofy may require corporate formation documents, beneficial ownership information, compliance certifications, and other documentation for verification.
Getting Started
To onboard as a Business User, you must complete the account registration process and satisfy all verification, compliance, and documentation requirements. Access to certain services (including APIs and enterprise integrations) may be governed by additional agreements.
Fees & Charges
Business services may include subscription fees, transaction fees, integration fees, currency conversion charges, and other applicable costs. Zunofy reserves the right to change fees with prior notice.
Business Users are responsible for local taxes, withholding obligations, and any regulatory fees applicable in their jurisdictions.
Currency Conversion & Transfers
Exchange rates are provided at the time of the transaction and may vary due to market conditions. Zunofy may apply conversion fees or allow promotional pricing. Business Users acknowledge potential exchange risk on cross-border transactions.
Withdrawing funds
Business Users may request withdrawal of available funds in accordance with service terms and regulatory restrictions. Withdrawals may be delayed for risk review or compliance reasons.
Business Card Transactions
If Zunofy issues corporate cards, transaction limits, merchant category restrictions, and acceptable use policies apply. Misuse may result in suspension or termination of card privileges.
Intellectual Property & License
All intellectual property rights in Zunofy’s services remain its exclusive property. Business Users are granted a limited, non-exclusive, revocable license to use the services for permitted business purposes only.
Privacy Policy
Last updated on December 26, 2025
About Us
Zunofy is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, share, and protect personal information when you use our services or interact with our platforms.
Personal data Collected
We collect personal data that you provide directly (e.g., name, contact details), technical data (e.g., device identifiers), financial data (e.g., transaction information), and compliance data (e.g., identity verification). This information is necessary for contract performance, legal compliance, fraud prevention, and service improvement.
Legal Basis for Processing
We process personal data based on contractual necessity, legal obligations, legitimate interests (e.g., fraud prevention, security), and consent where required. Zunofy applies internationally recognized data protection principles and complies with applicable data privacy laws in jurisdictions such as the United States, EU, UK, and others.
Data Sharing & Disclosure
We share information with:
Regulators and law enforcement for compliance purposes
Service providers such as payment processors
Analytics and security partners
We do not sell personal information to third parties.
Data Security & Retention
We implement reasonable safeguards to protect data. Personal data is retained only as long as necessary for its intended purposes and legal obligations.
Cookie Policy
Last updated on December 26, 2025
How We Use Cookies
We use cookies and similar technologies to operate our website, analyze user behavior, improve functionality, and for marketing purposes. Cookies may be essential, performance-based, or targeted.
Cookie Preferences
Users can manage cookies through browser settings or consent tools on our platforms. Disabling certain cookies may affect service functionality.