Last updated: July 2026
1. Who we are
gFinOS provides digital account, payment, merchant, and rewards services (the "Services"). gFinOS is not a bank; it operates as a private digital financial platform. Certain features, such as government revenue processing and cross-border settlement, are provided in partnership with regulated financial institutions where required.
2. Eligibility & account opening
You must be at least 18 years old, or the age of majority in your jurisdiction, to open an account. You must provide accurate identification information and successfully complete our Know-Your-Customer (KYC) and, where relevant, Know-Your-Business (KYB) checks. We may refuse or close accounts at our discretion, subject to applicable law.
3. Wallet & currencies
Your wallet balance represents digital claims denominated in your local currency. Values reflect equivalent balances backed by fiat funding you contribute via bank transfer, card, or cash deposit. gFinOS reserves the right to convert between supported currencies at prevailing rates.
4. Fees, taxes and withdrawals
A published fee schedule applies to withdrawals, cross-border transfers, and specific services. Government taxes (including GST/VAT and any additional statutory levies) are automatically calculated at the point of transaction and forwarded to the taxpayer's national revenue wallet or held in reserve until such a wallet is claimed.
5. Merchant services
Businesses that pass our KYB review may activate a storefront, POS, invoices, subscriptions, and hosted checkout. Merchants are responsible for the lawful conduct of their business, accurate product information, refund handling, and applicable local taxes. gFinOS may suspend or terminate merchant privileges for violations of these terms or our Acceptable Use rules.
6. Rewards, cashback and incentives
Rewards, cashback, loyalty points, and grants are provided at gFinOS's discretion, subject to program rules published in our incentives console. Programs may be adjusted or discontinued with notice.
7. Prohibited use
You may not use gFinOS to facilitate money laundering, terrorist financing, fraud, illegal gambling, unlicensed securities activity, human trafficking, or any activity prohibited by applicable sanctions or law.
8. Disputes & refunds
You may raise transaction disputes within 60 days. Refunds initiated by merchants reverse to the original wallet. Chargebacks are handled by gFinOS as the platform of record; card networks may impose additional requirements for card-funded top-ups.
9. Data
Your use of gFinOS is subject to our Privacy Policy. We collect only what is required to operate the Services, meet regulatory obligations, and improve reliability.
10. Suspension & termination
gFinOS may suspend or terminate accounts for violation of these terms, upon reasonable belief of fraud, or as required by law. You may close your account at any time; remaining eligible balances are payable to a verified bank or mobile money destination.
11. Liability
Except where prohibited by law, gFinOS is not liable for indirect, incidental or consequential losses. Our aggregate liability is limited to fees paid to gFinOS in the twelve months preceding the claim.
12. Changes
We may update these terms from time to time. Material changes will be notified in-app or by email. Continued use of the Services after the effective date constitutes acceptance.
13. Contact
Questions about these terms: Visit the Help Center →