Terms of Service

Welcome to JustXend, operated by BuildOn Inc. By accessing our platform, you agree to these binding terms.

1. Acceptance of These Terms

These Terms of Service (“Terms”) form a binding agreement between you and JustXend governing your access to and use of the JustXend mobile application, website, and all related products.

By creating a JustXend account or accessing the application, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If using the Services on behalf of a business, you represent you have the authority to bind that entity.

2. Eligibility

To use the Services, you must:

  • Be at least 18 years old or the age of legal majority.
  • Have the legal capacity to enter into a binding contract.
  • Not be located in or a resident of any sanctioned country or appear on any prohibited persons list (e.g., OFAC, UN).
  • Complete identity verification and provide accurate information.
  • Comply with the laws of your home country and the destination country (including foreign exchange controls).

3. Description of the Services

  • a. Wallet Management: Manage funds across a wallet interface.
  • b. Send/Receive: Transfer funds domestically and across borders.
  • c. Currency Conversion: Send internationally with dynamic exchange rates.
  • d. Virtual Cards: Generate cards for online purchases.
  • e. Bank Funding/Withdrawals: Link accounts to fund or withdraw.

* Actual results, settlement speeds, and coverage may vary based on third-party banking partners and payment networks.

Core Operating Terms

Registration & KYC (Sec 4)

You must complete identity verification to comply with AML/KYC laws. Tiered limits apply based on verification level.

Fees & Limits (Sec 5 & 6)

Fees are disclosed prior to confirmation. We do not control third-party bank fees. Settlement times depend on external infrastructure; blockchain settlements are irreversible once broadcast.

Prohibited Uses (Sec 8)

No money laundering, fraud, sanction evasion, illegal goods, or operating multiple accounts to bypass limits.

Disclaimers & Liability (Sec 13 & 14)

The services are provided on an “as is” and “as available” basis, without warranties of any kind. To the maximum extent permitted by law, JustXend's total liability will not exceed the total fees paid to JustXend in the 12 months preceding the claim.

Governing Law & Contact

Governed by the laws of the State of Delaware, USA. Users in jurisdictions like Nigeria may escalate to local financial regulators.

Contact:support@justxend.com

Important Notice

JustXend is a financial technology infrastructure platform, not a bank or money transmitter. All digital asset orchestration, cross-border settlement, and localized fiat currency distribution services are executed directly by our fully regulated infrastructure partners, including Bridge.xyz and Transfi. User identity verification data is securely localized and retained inside JustXend’s infrastructure to guarantee maximum privacy and instantaneous transaction tracking.