Welcome to Qunzo. By accessing or using our platform, you agree to be bound by the following terms and conditions. Please read them carefully before using any Qunzo services.

1. Acceptance of Terms

By registering, accessing, or using Qunzo, you acknowledge that you have read, understood, and agree to comply with these Terms & Conditions. If you do not agree, please discontinue using our services immediately.

2. Account Responsibilities

Each user is responsible for maintaining the confidentiality of their account credentials. Any actions taken under your account will be considered authorized by you. Please contact support immediately if you detect unauthorized activity.

3. Services Overview

Qunzo is a smart digital wallet and payment ecosystem designed to simplify financial management. Our key features include:

• Multi-Wallet System (Main, Savings, Profit, etc.)
• Merchant Module for business payments
• Agent Module for cash-in and cash-out
• Gift Code and Invoice Payment Links
• Money Exchange between currencies
• Send & Request Money features
• QR Code for all wallet operations
• Merchant API for developers

4. User Conduct

You agree not to use Qunzo for any unlawful or fraudulent activities, including but not limited to money laundering, scams, identity theft, or unauthorized access attempts.

5. Fees and Transactions

Applicable fees are displayed before confirming any transaction. You agree to review and accept all charges before proceeding. Qunzo reserves the right to modify fees with prior notice.

6. Refund Policy

All successful transactions are final. Refunds will only be issued in cases of technical errors or duplicate payments, verified by our system and support team.

7. Limitation of Liability

Qunzo is not liable for any indirect, incidental, or consequential damages resulting from service use, data loss, or technical failures, except as required by law.

8. Privacy Policy

We value your privacy. Your data is protected and processed in accordance with our Privacy Policy. Qunzo ensures compliance with global data protection standards.

9. Modification of Terms

Qunzo reserves the right to update or modify these Terms at any time. Any significant changes will be communicated via email or platform notice. Continued use of Qunzo indicates acceptance of updates.

10. Suspension and Termination

Qunzo may suspend or terminate accounts that violate our Terms, engage in suspicious activity, or attempt to exploit system vulnerabilities.

11. Contact Information

For questions regarding these Terms & Conditions, don't hesitate to get in touch with us at support@qunzo.com.

Last Updated: November 1, 2025