Terms & conditions

1. About Vonix

Vonix is a company that provides financial, technological, and operational solutions for businesses, including but not limited to payment-related services, financial infrastructure, merchant onboarding, operational support, and other solutions made available directly or through authorized partners and third-party providers.

Vonix may act directly or in cooperation with third parties, including but not limited to licensed financial institutions, banking partners, Banking-as-a-Service (BaaS) providers, payment processors, acquirers, issuers, technology providers, and other regulated entities, where applicable.

2. Acceptance of Terms

By accessing this website or requesting any service from Vonix, you confirm that:

• you have the legal capacity to enter into binding agreements;
• all information you provide is true, accurate, complete, and up to date;
• you will use the website and services only for lawful and legitimate purposes;
• you will not use the services for prohibited, fraudulent, illegal, or unauthorized activities.

3. Informational Nature of Website Content

The content available on this website is provided for general informational and commercial purposes only. While Vonix makes reasonable efforts to keep information accurate and updated, we do not guarantee that all content is complete, accurate, error-free, or suitable for any specific purpose.

Nothing on this website constitutes legal, regulatory, tax, accounting, investment, or financial advice.

4. Services and Availability

Services described on this website may vary depending on:

• the customer’s country of residence or incorporation;
• the nature of the business activity;
• the customer’s risk profile;
• regulatory requirements;
• internal compliance policies;
• approval by third-party providers and partners.

The availability of any service is subject to internal review, risk assessment, due diligence, compliance checks, document verification, and, where applicable, approval by third-party providers.

Vonix does not guarantee that all services will be available in all jurisdictions, industries, or at all times.

5. Third-Party Providers and External Rules

Certain services offered by Vonix rely on third-party providers, including banks, financial institutions, BaaS providers, payment processors, gateways, acquirers, issuers, technology vendors, compliance partners, and other regulated or non-regulated service providers.

By using our services, you acknowledge and agree that:

• Vonix may be subject to the rules, requirements, policies, procedures, eligibility criteria, compliance standards, and operational decisions of such third-party providers;
• the final availability, approval, continuation, or limitation of any service may depend on the review and acceptance of such providers;
• third-party providers may impose their own onboarding requirements, transaction monitoring rules, sector restrictions, prohibited activities lists, reserve requirements, operational limitations, or termination rights;
• Vonix may be required to suspend, restrict, refuse, or terminate services where requested or required by its third-party providers, partners, or applicable regulatory obligations.

Vonix shall not be liable for delays, refusals, suspensions, restrictions, or service interruptions arising from decisions, requirements, or actions taken by third-party providers acting within their own policies, legal obligations, or risk frameworks.

6. Compliance and Verification

To access certain services, users may be required to provide corporate documents, identification data, beneficial ownership information, source of funds details, business activity information, expected transaction volumes, and any other data necessary for:

• KYC (Know Your Customer);
• KYB (Know Your Business);
• AML (Anti-Money Laundering);
• fraud prevention;
• sanctions screening;
• ongoing monitoring;
• regulatory and compliance purposes.

Vonix reserves the right to request additional documents or information at any time. Failure to provide satisfactory information may result in delay, restriction, suspension, or termination of services.

7. Prohibited Activities

You may not use the website or any Vonix service for:

• money laundering;
• terrorist financing;
• fraud, deception, or misrepresentation;
• sanctions violations;
• illegal, unauthorized, or non-compliant activities;
• transactions involving prohibited sectors or activities;
• misuse of accounts, IBANs, wallets, payment instruments, or financial infrastructure;
• any activity that may expose Vonix or its partners to legal, regulatory, operational, or reputational risk.

Vonix reserves the right to maintain and update a list of restricted or prohibited industries, activities, or use cases in accordance with internal policies, partner requirements, and applicable law.

8. Fees and Commercial Terms

Fees, pricing, charges, and commercial terms may vary depending on the client profile, jurisdiction, business activity, risk level, transaction volumes, payment methods, and the services requested.

Unless expressly stated otherwise, any pricing displayed on the website is indicative only and may be changed at any time. Final pricing and service terms may be set out in a separate proposal, agreement, onboarding document, or individual contract.

9. Intellectual Property

All content on this website, including but not limited to text, graphics, design, layout, branding, logos, trademarks, software, documentation, interfaces, and other materials, is owned by or licensed to Vonix and is protected under applicable intellectual property laws.

You may not copy, reproduce, distribute, publish, modify, license, sell, or exploit any part of this website without prior written permission from Vonix.

10. Acceptable Use

You agree not to:

• interfere with or disrupt the operation of the website;
• attempt to gain unauthorized access to systems, servers, or databases;
• introduce malware, harmful code, or malicious scripts;
• engage in scraping, automated extraction, or unauthorized data collection;
• use the website in any way that could damage, disable, or impair its functionality or security.

Vonix reserves the right to block suspicious access and take any technical, legal, or administrative measures necessary to protect its systems and operations.

11. Privacy and Data Protection

The processing of personal data by Vonix is governed by the applicable laws and by our Privacy Policy, which forms part of these Terms.

By using this website and our services, you acknowledge that certain personal and business data may be collected, processed, stored, verified, and shared for operational, contractual, security, compliance, fraud prevention, legal, and regulatory purposes.

12. No Warranty

To the fullest extent permitted by law, this website and all services are provided on an “as is” and “as available” basis.

Vonix makes no warranties, express or implied, regarding:

• uninterrupted or error-free website operation;
• immediate correction of defects;
• absence of viruses or harmful components;
• approval of any service application;
• suitability of the services for your specific needs or expectations.

13. Limitation of Liability

To the fullest extent permitted by applicable law, Vonix shall not be liable for any indirect, incidental, special, punitive, consequential, or loss-of-profit damages arising out of or related to:

• the use of, or inability to use, the website or services;
• service unavailability;
• delays in onboarding or transaction processing;
• compliance reviews or rejections;
• actions, decisions, or restrictions imposed by third-party providers;
• cyber incidents, internet failures, force majeure events, or circumstances beyond Vonix’s reasonable control.

Where permitted by law, Vonix’s total liability in connection with the use of this website or services shall be limited to the amount actually paid by the client to Vonix for the specific service giving rise to the claim during the three (3) months preceding the event, if any.

14. Indemnification

You agree to indemnify, defend, and hold harmless Vonix, its directors, officers, employees, affiliates, contractors, providers, and partners from and against any losses, claims, damages, liabilities, costs, and expenses arising out of:

• your breach of these Terms;
• your misuse of the website or services;
• your violation of any law, regulation, or third-party right;
• any false, misleading, or incomplete information provided by you.

15. Suspension and Termination

Vonix may, at its sole discretion and without prior notice where permitted, suspend, restrict, or terminate access to the website or any service if:

• fraud or unlawful activity is suspected;
• these Terms are breached;
• there is legal, regulatory, reputational, or operational risk;
• required by law, regulation, or a third-party provider;
• documents or information are missing, outdated, or unsatisfactory;
• the use of services is inconsistent with Vonix’s internal policies or partner requirements.

16. Changes to These Terms

Vonix reserves the right to amend, update, or replace these Terms at any time. The latest version will be posted on this website with the updated effective date.

Continued use of the website or services after such changes constitutes acceptance of the revised Terms.

17. Governing Law and Jurisdiction

These Terms shall be governed by and interpreted in accordance with the laws of England and Wales, without regard to conflict of laws principles.

Any dispute arising out of or in connection with these Terms shall be submitted to the exclusive jurisdiction of the courts of London, United Kingdom, unless otherwise required by applicable law.

18. Contact

If you have any questions regarding these Terms, you may contact Vonix through its official channels:

Vonix
Email: complice@getvonix.com
Website: getvonix.com
Business address: London, United Kingdom

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