Terms of Service

1. Overview

Welcome to Sendar. These Terms of Service govern your access to and use of Sendar's website, applications, products, and services. By using Sendar, you agree to these Terms of Service and our Privacy Policy.

Sendar is a technology company and is not a bank. Sendar does not hold customer deposits, issue bank accounts, custody digital assets, or provide investment, brokerage, or securities services. Sendar's cross-border payment and remittance services are delivered through licensed and regulated partners in the jurisdictions where they are offered.

2. Eligibility

You may use Sendar only if you are legally able to enter into a binding agreement and only in jurisdictions where Sendar and its partners make the services available. You agree to provide accurate, current, and complete information when using the services and to keep that information updated.

3. Services

Sendar provides a technology interface that helps users initiate cross-border payment and remittance flows through licensed and regulated partners. Availability, supported currencies, payment methods, delivery methods, fees, limits, exchange rates, and processing times may vary by jurisdiction, partner, and transaction.

Any quote, fee, exchange rate, or delivery estimate displayed by Sendar is provided for informational purposes and may change before a transaction is submitted or completed.

4. Partner Services

Payment, remittance, foreign exchange, custody, wallet, banking, card, or related financial services may be provided by third-party licensed and regulated partners. Sendar does not control those partners and is not responsible for services they provide except as required by applicable law.

You may be required to accept additional partner terms, complete identity verification, or provide additional information before a transaction can be processed.

5. User Responsibilities

You are responsible for ensuring that information you provide is accurate and that your use of Sendar complies with applicable laws. You agree not to use Sendar for fraud, money laundering, terrorist financing, sanctions evasion, illegal gambling, unlawful purchases, or any other prohibited activity.

You are responsible for reviewing transaction details before submitting a transfer, including recipient information, amount, currency, payment method, fees, exchange rate, and delivery method.

6. Fees, Rates, and Limits

Fees, exchange rates, and transaction limits may apply and may vary based on the sending currency, receiving currency, payment method, delivery method, partner, and jurisdiction. Sendar may update fees, exchange rates, limits, and availability at any time.

7. Cancellations and Refunds

Cancellation and refund availability depends on the status of the transaction and the rules of the applicable licensed and regulated partner. Once a transaction has been processed or paid out, it may not be possible to cancel or reverse it.

8. Compliance

Sendar and its partners may screen users, recipients, and transactions for compliance with applicable laws, including anti-money laundering, sanctions, fraud prevention, and consumer protection requirements. We or our partners may delay, reject, cancel, freeze, or refuse a transaction where required or permitted by law.

9. No Investment Advice

Sendar does not provide investment, brokerage, securities, tax, legal, or financial advice. Information displayed through Sendar is for general informational purposes and should not be treated as advice or a recommendation.

10. Privacy

Our Privacy Policy explains how we collect, use, share, and protect information. By using Sendar, you agree to our Privacy Policy.

11. Changes to These Terms

We may update these Terms of Service from time to time. If we make material changes, we may notify you through the website, application, email, or other reasonable means. Your continued use of Sendar after changes become effective means you accept the updated terms.

12. Contact

If you have questions about these Terms of Service, contact us at support@sendar.ai.