1. About AXLE

AXLE is a digital financial platform designed to help individuals and businesses access local and global financial services through a single integrated platform.

Depending on your location and eligibility, AXLE may provide services including:

• Multi-currency wallets

• Virtual account services

• Domestic and international transfers

• Currency conversion

• Cross-border payments

• Gift card purchases and redemption

• Airtime-to-cash conversion

• Bill payments

• Virtual payment cards

• Digital commerce services

• Peer-to-peer transfers

• Other financial products introduced from time to time

  
  

Certain services may be provided through licensed banking institutions, payment processors, regulated financial partners, or other third-party service providers.

Availability of services may vary depending on jurisdiction, regulatory requirements, and internal risk policies.

2. Acceptance of these Terms

By accessing or using AXLE, you agree to comply with these Terms and all applicable laws and regulations.

If you use AXLE on behalf of an organization or business entity, you represent that you have authority to bind that entity to these Terms.

These Terms apply to all users of the AXLE website, mobile application, APIs, and related services.

3. Eligibility

To use AXLE, you must:

• Be at least eighteen (18) years old or the legal age required in your jurisdiction;

• Possess legal capacity to enter into binding agreements;

• Provide accurate and complete registration information;

• Successfully complete identity verification where required;

• Not be prohibited from using financial services under applicable laws or sanctions.

  
  

We reserve the right to refuse, suspend, or terminate access to our services where permitted by law or necessary for regulatory compliance.

4. Account Registration

You must register an account before accessing certain AXLE services.

You agree to provide accurate, complete, and current information during registration and to update such information whenever necessary.

You are responsible for maintaining the confidentiality of your login credentials and for all activities conducted under your account.

You agree to notify AXLE immediately of any unauthorized use of your account or any suspected security incident.

5. Identity Verification (KYC)

To comply with applicable financial regulations, AXLE may require identity verification before allowing access to certain services.

Verification may include:

• Government-issued identification;

• Selfie or biometric verification;

• Proof of address;

• Tax identification information;

• Source of funds information;

• Any additional documentation reasonably required for compliance purposes.

  
  

Failure to complete verification may result in transaction limits, service restrictions, suspension, or account closure.

6. Acceptable Use

You agree to use AXLE only for lawful purposes.

You must not use the Platform for:

• Money laundering;

• Terrorist financing;

• Fraud or scams;

• Identity theft or impersonation;

• Unauthorized gambling activities;

• Sanctions evasion;

• Illegal products or services;

• Financing criminal activity;

• Intellectual property infringement;

• Activities that may expose AXLE to legal, regulatory, or reputational risk.

  
  

AXLE reserves the right to monitor transactions and report suspicious activity to competent authorities where required.

7. Transactions

Transactions submitted through AXLE may be subject to:

• Identity verification;

• Fraud screening;

• Compliance reviews;

• Regulatory approval;

• Availability of liquidity;

• Third-party provider availability.

  
  

AXLE reserves the right to delay, reject, reverse, suspend, or cancel transactions where necessary to comply with applicable law or protect users and the Platform.

Completed transactions may not be reversible except where required by law.

8. Fees

Certain services attract applicable fees.

Fees may include:

• Transaction fees;

• Currency conversion spreads;

• Withdrawal fees;

• Virtual card fees;

• Service charges;

• Processing fees;

• Premium feature fees.

  
  

Applicable charges will be displayed before a transaction is confirmed.

AXLE reserves the right to modify its fee structure at any time, with reasonable notice where required.

9. Exchange Rates

Currency exchange rates displayed on AXLE are determined using market data, liquidity providers, and internal pricing methodologies.

Exchange rates may change without notice until a transaction has been confirmed.

Users acknowledge that foreign exchange markets are volatile and that rates may fluctuate before execution.

10. Third-Party Services

Certain AXLE services are provided in partnership with licensed financial institutions and technology providers.

AXLE is not responsible for interruptions, delays, failures, or losses arising solely from the actions or omissions of independent third-party providers beyond our reasonable control.

11. Intellectual Property

All trademarks, logos, software, graphics, interfaces, content, designs, and technology associated with AXLE are owned by or licensed to AXLE SYSTEMS LTD.

No part of the Platform may be copied, reproduced, reverse engineered, distributed, or exploited without prior written permission.

12. Privacy

Your privacy is important to us.

Our collection, use, storage, disclosure, and protection of personal information are governed by our Privacy Policy, which forms part of these Terms.

By using AXLE, you consent to the processing of your information in accordance with our Privacy Policy.

The latest version of our Privacy Policy is available at:

useaxle.co/privacy-policy

13. Compliance

AXLE complies with applicable laws and regulations relating to:

• Anti-Money Laundering (AML);

• Know Your Customer (KYC);

• Counter-Terrorism Financing (CTF);

• Sanctions screening;

• Consumer protection;

• Data protection;

• Financial crime prevention.

  
  

Users agree to cooperate with compliance investigations and provide information reasonably requested by AXLE.

Failure to cooperate may result in service restrictions or account closure.

14. Suspension and Termination

AXLE may suspend or terminate access to the Platform if:

• You violate these Terms;

• Fraudulent activity is suspected;

• Regulatory action requires suspension;

• Identity verification cannot be completed;

• Continued access creates unacceptable legal or operational risk.

  
  

Termination does not extinguish obligations incurred before termination.

Funds remaining in an account will be handled in accordance with applicable laws and regulatory requirements.

15. Disclaimer

AXLE provides its Platform on an “as available” and “as is” basis.

While we strive for uninterrupted service, we do not guarantee continuous availability.

Maintenance, technical failures, cyber incidents, regulatory actions, third-party service interruptions, or force majeure events may affect service availability.

16. Limitation of Liability

To the maximum extent permitted by applicable law, AXLE SYSTEMS LTD shall not be liable for any indirect, incidental, consequential, punitive, or special damages arising from your use of or inability to use the Platform.

Nothing in these Terms excludes liability that cannot legally be excluded under applicable law.

17. Indemnification

You agree to indemnify and hold harmless AXLE SYSTEMS LTD, its directors, officers, employees, affiliates, partners, and service providers from any claims, liabilities, damages, losses, or expenses arising from:

• Your breach of these Terms;

• Your misuse of the Platform;

• Your violation of applicable laws; or

• Your infringement of the rights of any third party.

  
  

18. Dispute Resolution

We encourage users to first contact our customer support team to resolve any dispute, complaint, or claim arising from the use of AXLE or our services. We are committed to working with our users in good faith to achieve a fair and timely resolution.

If a dispute cannot be resolved through customer support or informal negotiations, it may be subject to binding arbitration in accordance with the laws and arbitration rules of the jurisdiction in which AXLE SYSTEMS LTD is incorporated.

To the fullest extent permitted by applicable law, you agree that any arbitration or legal proceeding shall be conducted on an individual basis and not as part of any class, collective, representative, or consolidated action. You expressly waive any right to participate in or bring any class action lawsuit or class-wide arbitration against AXLE SYSTEMS LTD.

19. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable to AXLE SYSTEMS LTD, without regard to conflict of law principles.

20. Changes to these Terms

AXLE may amend these Terms from time to time to reflect changes in our services, technology, legal obligations, or business practices.

Updated Terms will be published on our website and may also be communicated through:

• Email notifications;

• In-app notices;

• Website announcements; or

• Other appropriate communication channels.

  
  

Your continued use of AXLE after changes become effective constitutes acceptance of the updated Terms.

21. App Store Compliance

If you download AXLE through the Apple App Store or Google Play Store, you acknowledge that:

• These Terms are between you and AXLE SYSTEMS LTD, not Apple Inc. or Google LLC.

• Apple and Google are not responsible for the operation, maintenance, support, or content of the AXLE application.

• Any claims relating to the application shall be governed by these Terms and applicable law, except where platform-specific rights apply.

  
  

Nothing in these Terms limits any non-waivable consumer rights granted under the applicable app store policies or applicable law.

22. Contact Information

If you have any questions regarding these Terms or the AXLE Platform, please contact us:

AXLE SYSTEMS LTD

Website: useaxle.co

General Support: support@useaxle.co

Privacy & Data Protection: privacy@useaxle.co