Terms of Service

Last Updated: May 23, 2026

1. Agreement to Terms

By accessing or using Adloom Financial Services ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

2. Eligibility

To use our Service, you must:

  • Be at least 18 years of age
  • Have the legal capacity to enter into binding contracts
  • Not be prohibited from using our services under applicable laws
  • Provide accurate and complete registration information
  • Maintain the security of your account credentials

3. Account Registration

3.1 Account Creation

To use our payment services, you must create an account by providing:

  • Valid personal identification information
  • Contact details (email, phone number, address)
  • Financial information for transactions
  • Any additional information required for regulatory compliance

3.2 Account Security

You are responsible for:

  • Maintaining the confidentiality of your account credentials
  • All activities that occur under your account
  • Notifying us immediately of any unauthorized access
  • Using strong passwords and enabling two-factor authentication

4. Payment Services

4.1 International Transfers

Our Service allows you to send money internationally. By initiating a transfer, you agree that:

  • You have the legal right to transfer the funds
  • The funds are not derived from illegal activities
  • You will provide accurate recipient information
  • You understand that transfers may be subject to delays or restrictions

4.2 Fees and Exchange Rates

We charge fees for our services, which include:

  • Transfer fees based on amount and destination
  • Currency conversion fees (typically 0.5-1% markup)
  • Additional fees for expedited services

All fees are disclosed before you confirm a transaction. Exchange rates are locked in at the time of transaction confirmation.

4.3 Transaction Limits

We may impose limits on:

  • Transaction amounts (daily, weekly, monthly)
  • Number of transactions per period
  • Destinations and currencies

Limits may vary based on your account verification level and transaction history.

5. Verification and Compliance

5.1 Identity Verification

We are required by law to verify your identity. You must provide:

  • Government-issued photo identification
  • Proof of address
  • Additional documentation as requested

5.2 Anti-Money Laundering (AML)

We comply with AML regulations and may:

  • Monitor transactions for suspicious activity
  • Request additional information about transaction purposes
  • Report suspicious activities to authorities
  • Refuse or cancel transactions that violate AML policies

6. Prohibited Activities

You may not use our Service to:

  • Engage in illegal activities or money laundering
  • Finance terrorism or prohibited organizations
  • Violate sanctions or embargoes
  • Commit fraud or provide false information
  • Transfer funds to high-risk jurisdictions without proper documentation
  • Use the Service for gambling or adult content transactions (where prohibited)
  • Attempt to circumvent our security measures

7. Transaction Processing

7.1 Processing Times

Most transactions are completed within 24 hours, but processing times may vary based on:

  • Destination country and banking system
  • Verification requirements
  • Weekends and holidays
  • Compliance reviews

7.2 Transaction Cancellation

You may cancel a transaction:

  • Within 30 minutes of initiation (if not yet processed)
  • Before funds have been sent to the recipient's bank

Cancellation fees may apply. Once funds are delivered, transactions cannot be reversed.

8. Refunds and Disputes

8.1 Refund Policy

Refunds are available in the following circumstances:

  • Transaction was not completed due to our error
  • Duplicate charges occurred
  • Service was not provided as described

Refunds are processed within 5-10 business days to the original payment method.

8.2 Dispute Resolution

If you have a dispute:

  • Contact our support team at contact@adloomfinancial.com
  • Provide transaction details and supporting documentation
  • We will investigate and respond within 10 business days

9. Liability and Disclaimers

9.1 Service Availability

We strive to provide uninterrupted service but do not guarantee:

  • Continuous, error-free operation
  • Availability in all jurisdictions
  • Compatibility with all devices or systems

9.2 Limitation of Liability

To the maximum extent permitted by law, Adloom Financial Services shall not be liable for:

  • Indirect, incidental, or consequential damages
  • Loss of profits, data, or business opportunities
  • Delays caused by third-party banks or payment networks
  • Actions taken by regulatory authorities

Our total liability is limited to the amount of fees paid for the specific transaction in question.

10. Intellectual Property

All content, trademarks, and intellectual property on our platform are owned by Adloom Financial Services. You may not:

  • Copy, modify, or distribute our content without permission
  • Use our trademarks or branding
  • Reverse engineer our software or systems

11. Data Protection

Your use of our Service is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

12. Termination

12.1 Termination by You

You may close your account at any time by contacting us. You remain responsible for:

  • Completing pending transactions
  • Paying any outstanding fees
  • Withdrawing remaining balances

12.2 Termination by Us

We may suspend or terminate your account if:

  • You violate these Terms
  • We suspect fraudulent or illegal activity
  • Required by law or regulatory authorities
  • You provide false or misleading information

13. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes by:

  • Email notification
  • Prominent notice on our website
  • In-app notification

Continued use of the Service after changes constitutes acceptance of the new Terms.

14. Governing Law

These Terms are governed by the laws of the jurisdiction in which Adloom Financial Services is registered. Any disputes shall be resolved through:

  • Good faith negotiation
  • Mediation (if negotiation fails)
  • Binding arbitration or court proceedings

15. Contact Information

For questions about these Terms, please contact us:

Email: contact@adloomfinancial.com

Legal Department: legal@adloomfinancial.com

16. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Adloom Financial Services regarding the use of our Service.

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