Welcome to Robitty, a private business banking platform designed to offer seamless digital payments, banking, investment, and financial services. These Terms and Conditions govern your use of our services. By accessing or using Robitty, you agree to these terms. If you do not agree, you must discontinue using our services immediately.
1. DEFINITIONS
- “Robitty,” “we,” “us,” or “our” – Refers to the fintech company providing payment, banking, investment, and business financial solutions.
- “User,” “you,” or “your” – Refers to any individual, business, or legal entity that accesses and uses Robitty’s services.
- “Services” – Includes all financial products and solutions offered by Robitty, such as money transfers, digital banking, debit and credit cards, investment plans, cryptocurrency trading, and business financial tools.
- “Account” – A registered profile created by users on Robitty to access financial services.
2. ELIGIBILITY
To ensure compliance with financial regulations and maintain a secure ecosystem, Robitty imposes eligibility requirements for users.
- You must be at least 18 years old or meet the legal age of majority in your jurisdiction. This ensures that only legally responsible individuals engage with our services.
- You must provide accurate and complete information during registration. Any false, misleading, or incomplete details may lead to account suspension or legal action.
- Users must not be listed on any government sanctions or restricted persons list related to financial fraud, money laundering, or terrorist financing.
3. ACCOUNT REGISTRATION & SECURITY
To use Robitty’s services, users must create an account and agree to the following security measures:
- Account Registration – Users must provide their full name, contact details, and valid identification during sign-up. Business users may be required to submit additional documents, such as business licenses or tax identification numbers.
- Confidentiality of Login Credentials – Users are responsible for keeping their username, password, and any authentication codes secure. Robitty will never ask for your password via email or phone.
- Unauthorized Access – If you suspect that your account has been accessed without authorization, you must notify Robitty immediately to prevent fraudulent activity.
Failure to maintain account security may result in loss of funds, unauthorized transactions, and potential legal consequences.
4. SERVICES OFFERED
Robitty provides a comprehensive range of financial services, tailored to both individuals and businesses:
- Money Transfers – Instant local and international money transfers with low fees and real-time processing.
- Digital Banking – Secure and convenient personal and business banking solutions, including multi-currency accounts.
- Debit & Credit Cards – Physical and virtual cards for online and in-store purchases, with global acceptance.
- Investment & Savings Plans – Structured financial solutions to help users grow wealth over time.
- Business Solutions – Merchant payment processing, payroll management, trade finance, and financial tools designed for entrepreneurs.
Users agree to use these services in accordance with applicable financial laws and must not engage in illegal activities such as money laundering, fraud, or unauthorized trading.
5. USER RESPONSIBILITIES
To maintain a secure and reliable platform, all users must adhere to the following responsibilities:
- Compliance with Laws – Users must only use Robitty for lawful financial activities and must not engage in money laundering, terrorism financing, or fraudulent transactions.
- Accuracy of Information – All personal and transaction details provided must be true and up-to-date. Any discrepancies may result in account suspension.
- Proper Use of Services – Users must not exploit Robitty’s system through hacking, reverse engineering, or using bots to manipulate transactions.
- Reporting Suspicious Activity – If a user suspects fraudulent activity on their account, they must report it immediately for investigation.
Failure to comply with these responsibilities may lead to account suspension, termination, or legal action.
6. FEES & CHARGES
Robitty operates with transparent pricing, and users will be notified of applicable fees before processing transactions.
- Transaction Fees – Charges apply to money transfers, currency conversions, withdrawals, and other financial operations, depending on the service used.
- Currency Conversion Rates – Cross-border transactions may involve exchange rate variations, which will be clearly displayed before confirmation.
- Service Modifications – Robitty reserves the right to update fees at any time, with reasonable notice to users.
It is the user’s responsibility to review and understand the fees before using Robitty’s services.
7. TRANSACTION LIMITS & VERIFICATION
To comply with anti-money laundering regulations and enhance security, Robitty enforces transaction limits:
- Daily & Monthly Limits – Limits vary based on account verification status and regulatory requirements. Higher limits may be granted upon completion of additional verification steps.
- Know Your Customer (KYC) Verification – Users must provide government-issued identification and proof of address for certain services.
- High-Value Transactions – Large financial transactions may require additional scrutiny and approval to ensure compliance with financial regulations.
Failure to complete verification may restrict access to certain services.
8. FRAUD PREVENTION & SECURITY
Robitty employs cutting-edge security measures to protect users from fraud and cyber threats:
- Encryption & Secure Authentication – All transactions are encrypted, and users are encouraged to enable Two-Factor Authentication (2FA).
- AI-Powered Fraud Detection – Suspicious transactions are automatically flagged for further review.
- Account Freezing & Investigations – If fraudulent activity is suspected, Robitty reserves the right to freeze funds and conduct an internal investigation.
Users are advised to follow best security practices and report any suspicious activities promptly.
9. ACCOUNT SUSPENSION & TERMINATION
Robitty reserves the right to suspend or terminate accounts under the following conditions:
- Violation of Terms – Breaching any policy outlined in these terms may result in immediate suspension.
- Fraudulent or Suspicious Activity – If an account is linked to fraud, scams, or illegal transactions, it may be permanently banned.
- Regulatory Compliance – Accounts may be suspended to comply with legal obligations or government orders.
Users have the right to appeal account suspensions by contacting customer support.
10. PRIVACY & DATA PROTECTION
Robitty values user privacy and follows strict data protection policies:
- Data Collection – We collect user data for account verification, transaction processing, and regulatory compliance.
- Secure Data Storage – All personal and financial data is protected with industry-standard security measures.
- Privacy Rights – Users may request to view, modify, or delete their personal data, subject to legal retention periods.
For detailed information, please refer to Robitty’s Privacy Policy.
11. CHANGES TO TERMS & CONDITIONS
Robitty reserves the right to modify these terms at any time. Changes will be communicated through email or platform notifications. Continued use of the services after updates implies acceptance of the revised terms. Users should regularly review this agreement to stay informed.
12. CONTACT INFORMATION
For any inquiries, complaints, or legal concerns, please contact us.
By using Robitty, you acknowledge that you have read, understood, and agree to these Terms and Conditions.
