Clear Terms, Trusted Trading.

These Terms of Service govern your access to and use of the Flixsend website, marketplace and related services.

By creating an account, accessing the platform or participating in a transaction, you agree to these Terms.

If you do not agree, you must discontinue using Flixsend.

Flixsend is a digital marketplace designed to connect individuals who need to receive payments through supported international digital payment networks with independently registered vendors who advertise eligible receiving services.

The platform facilitates:

• Vendor registration and verification.
• Publication of receiving-service advertisements.
• Buyer and vendor matching.
• Transaction coordination.
• Payment evidence submission.
• Transaction status management.
• Approved escrow and settlement arrangements.
• Customer balance records and permitted withdrawals.

The availability of particular services depends on country eligibility, applicable laws, financial partner approval and the terms of the relevant external payment networks.

Flixsend does not represent itself as PayPal, Cash App, Zelle, Venmo or any other third-party payment network.

To use Flixsend, you must:

1. Be at least 18 years old.
2. Provide accurate registration information.
3. Complete identity verification where required.
4. Have the legal capacity to enter into agreements.
5. Use the platform for lawful purposes.
6. Comply with applicable laws in your country.

We may restrict access in countries or jurisdictions where our services are not authorised or supported.

You are responsible for:

• Maintaining the confidentiality of your login credentials.
• Securing your registered email address and phone number.
• Providing accurate account information.
• Notifying Flixsend immediately of suspected unauthorised access.
• Ensuring that your account is not used by another person without authorisation.

You must not create multiple accounts to evade restrictions, manipulate marketplace activity or circumvent verification requirements.

Flixsend may suspend or restrict accounts where there are reasonable grounds to suspect fraud, impersonation, identity misuse or other policy violations.

Vendors may register to advertise supported receiving services.

Each vendor is responsible for:

• Providing accurate identity and account ownership information.
• Ensuring that the advertised receiving account is lawfully controlled by them.
• Ensuring that the relevant payment network permits the intended commercial activity.
• Maintaining sufficient available funds for their advertised transactions.
• Setting accurate exchange rates and transaction limits.
• Providing correct payment instructions.
• Responding to active trades within the stated timeframe.
• Confirming only payments actually received and verified.

Vendors must not advertise accounts that are stolen, rented, compromised, falsely represented or otherwise used contrary to applicable law or payment-network terms.

Flixsend may reject, suspend or remove advertisements that present unacceptable legal, financial or security risks.

Vendors are responsible for setting their advertised exchange rates within any applicable platform limits.

Before opening a trade, buyers should review:

• The advertised exchange rate.
• The transaction amount.
• The expected Naira value.
• Applicable platform fees.
• Any additional charges disclosed before confirmation.
• The transaction expiry period.

The rate accepted when a trade is opened will ordinarily remain fixed for that trade unless the parties agree otherwise through an authorised process or the transaction is cancelled.

Flixsend may impose service charges, withdrawal fees or other disclosed charges.

Vendors may fund their accounts through payment methods supported by Flixsend.

Subject to the approved financial-partner arrangement:

1. A vendor must maintain sufficient available funds.
2. When a buyer opens a qualifying trade, the corresponding Naira amount is reserved.
3. Reserved funds cannot be used for another trade or withdrawn while the reservation remains active.
4. Funds are released, refunded or otherwise handled according to the authorised transaction outcome and applicable dispute procedures.

Flixsend will identify the applicable financial partner and custody arrangement in its relevant financial disclosures.

A dashboard balance is an account or transaction record and does not, by itself, establish that Flixsend is a licensed deposit-taking institution or electronic-money issuer.

Customer funds must be held and administered through the legally approved financial arrangement.

Buyers must:

• Review vendor information before opening a trade.
• Follow the authorised payment instructions provided for that trade.
• Use payment accounts they are legally entitled to operate.
• Submit genuine transaction evidence.
• Avoid submitting altered screenshots or fabricated receipts.
• Communicate through authorised platform channels where possible.
• Avoid sending payments to unrelated or substituted accounts.
• Report suspicious activity promptly.

A buyer must not knowingly participate in money laundering, identity theft, unauthorised account use or transactions involving stolen funds.

A vendor may confirm receipt after independently verifying that the expected payment has arrived.

Vendors must not:

• Confirm payments that have not been received.
• Confirm transactions based solely on screenshots.
• Misrepresent pending or reversed payments as successful.
• Request additional payments outside the agreed trade without an authorised reason.

Flixsend may require further verification before releasing reserved funds.

Vendor confirmation does not prevent Flixsend or its financial partner from investigating suspicious transactions, reversals or legally required holds.

Subject to applicable financial arrangements, eligible users may request withdrawals of available balances to verified bank accounts.

Withdrawals may be subject to:

• Identity verification.
• Bank account ownership verification.
• Minimum and maximum withdrawal limits.
• Transaction monitoring.
• Financial partner processing times.
• Applicable fees.
• Regulatory restrictions.

A withdrawal request is not considered completed until the relevant financial partner confirms successful settlement.

We may delay, reject or review withdrawals where required by law, fraud controls, financial partner requirements or unresolved disputes.

Users must not use Flixsend to:

1. Launder money or conceal proceeds of crime.
2. Finance terrorism or prohibited activities.
3. Receive or transfer stolen funds.
4. Use another person’s payment account without lawful authority.
5. Circumvent KYC or financial restrictions.
6. Submit fraudulent payment evidence.
7. Impersonate another individual or business.
8. Trade in prohibited goods or services.
9. Facilitate unauthorised currency exchange or money transmission.
10. Abuse payment-network services or violate their applicable terms.
11. Manipulate advertisements, exchange rates or transaction records.
12. Exploit platform vulnerabilities or interfere with its operations.

Flixsend may immediately restrict activity where necessary to protect users, comply with legal obligations or prevent financial crime.

Flixsend may facilitate transactions involving supported third-party payment networks.

Each network has independent eligibility requirements, operating rules and restrictions.

Users and vendors are responsible for ensuring that their use of those networks is authorised.

Flixsend does not control external payment networks and cannot guarantee their availability, acceptance, settlement, account status or reversal decisions.

No user may use Flixsend to bypass a third-party provider’s restrictions or conceal the actual nature of a transaction.

Users may raise disputes through the platform.

Flixsend may review:

• Transaction records.
• Communication history.
• Payment evidence.
• External payment confirmations.
• Vendor confirmations.
• Financial partner records.

Refunds and reversals will be handled according to the applicable financial-partner arrangement, the transaction status and applicable law.

External payment reversals may affect a transaction even after an initial payment confirmation.

Full details are provided in the Flixsend Customer Dispute and Refund Policy.

Flixsend may suspend, restrict or terminate accounts where:

• False information is provided.
• Fraud is suspected.
• KYC requirements are not satisfied.
• A user violates these Terms.
• A transaction creates unacceptable legal or financial risk.
• A lawful authority or financial partner requires restriction.

Where legally permitted, affected users will be informed of the reason and any available review procedure.

Account closure does not remove lawful obligations relating to outstanding transactions, refunds, disputes or record retention.

We aim to maintain reliable access to Flixsend but do not guarantee uninterrupted service.

Maintenance, technical problems, security incidents, payment partner outages or circumstances beyond our control may affect availability.

We may temporarily suspend parts of the platform where necessary to protect users or maintain operational security.

To the extent permitted by applicable law, Flixsend is not responsible for:

• Independent outages of third-party payment networks.
• Incorrect payment instructions supplied by users.
• Losses caused by unauthorised access resulting from a user’s failure to secure their credentials.
• External account restrictions imposed by third-party providers.
• Delays caused by banks or financial partners.

Nothing in these Terms excludes liability that cannot legally be excluded, including liability arising from fraud, wilful misconduct or applicable consumer-protection obligations.

The Flixsend website, branding, software, platform design, content and proprietary technology are owned by or licensed to Flixsend Ltd.

Users may not copy, reproduce, modify, distribute or commercially exploit Flixsend intellectual property without written permission.

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

You can read our Privacy Policy here.

We may update these Terms to reflect legal, regulatory, operational or service changes.

Material changes will be communicated through appropriate website notifications or other reasonable channels.

Continued use after an effective update constitutes acceptance where permitted by applicable law.

These Terms shall be interpreted in accordance with the laws of the Federal Republic of Nigeria, subject to mandatory consumer-protection and other applicable laws in the jurisdictions where Flixsend operates.

Nothing in this clause prevents a consumer from exercising mandatory legal rights available in their country.

If you have questions about these Terms of Service or require assistance, you may contact Flixsend through the following official channel: