Terms and Conditions

• Be at least 18 years of age, or the age of majority in your jurisdiction if older
• Have the legal capacity to enter into a binding agreement
• Not be a resident of, or located in, any jurisdiction where use of our Services is prohibited by applicable law
• Not be listed on any government-issued sanctions, terrorism, or prohibited persons list
• Provide accurate, complete, and up-to-date information during registration and maintain such accuracy throughout your use of the Platform

By using our Services, you represent and warrant that you meet all eligibility requirements. We reserve the right to suspend or terminate your account if we determine, at our sole discretion, that you do not meet these requirements.

To access the full range of Services offered on the Conzo Africa Platform, you must create an Account. The Account creation process includes the following steps:

a. Information Submission: You agree to provide accurate, current, and complete information during the registration process. This may include, but is not limited to:

• Full legal name
• Date of birth
• Email address
• Phone number

b. Verification: You agree to verify your email address and phone number as part of the registration process.

c. Password Creation: You will be required to create a strong, unique password for your Account. We recommend using a combination of uppercase and lowercase letters, numbers, and symbols.

d. Terms Acceptance: You must explicitly agree to these Terms of Service, our Privacy Policy, and any other applicable policies.

e. KYC Verification: Depending on your location and the Services you wish to access, you may be required to complete our Know Your Customer (KYC) verification process immediately upon registration or at a later stage.

You are responsible for keeping your Account information up to date. Failure to maintain accurate, current, and complete Account information may result in your inability to access or use our Platform or the termination of your Account.

As a financial services provider, Conzo Africa is committed to preventing fraud, money laundering, terrorist financing, and other financial crimes. To this end, we implement robust Know Your Customer (KYC) and identity verification procedures.

Depending on your location, the services you use, and the volume of your transactions, you may be required to provide the following:

a. Your Bank Verification Number (BVN).

b. Your local fiat account details.

c. Any other additional documentation to verify your source of funds.

We may implement different verification levels with varying requirements and transaction limits. Higher verification levels may require more extensive documentation and checks. We reserve the right to request updated or additional KYC information at any time during your use of our Platform.

We may use third-party service providers to verify your identity and conduct background checks. By using our Platform, you authorize us to make inquiries, whether directly or through third parties, that we consider necessary to verify your identity or protect you and/or us against fraud or other financial crimes.

We reserve the right to refuse service, suspend or terminate Accounts, or limit access to our Platform for users who do not complete our KYC and identity verification process to our satisfaction.

We treat all information collected during the KYC process with the utmost confidentiality and in accordance with our Privacy Policy.

The security of your Conzo Africa Account is crucial, and you play a vital role in maintaining this security. By creating an Account, you agree to the following security responsibilities:

a. Password Confidentiality: You are responsible for maintaining the confidentiality of your Account password. We recommend the following best practices:

• Use a unique password for your Conzo Africa Account
• Include a mix of uppercase and lowercase letters, numbers, and symbols
• Avoid using easily guessable information such as birthdays or names
• Change your password regularly, at least once every three months

b. Device and Session Security: You can ensure device and session security by:

• Always logging out of your Account when using a shared or public device
• Never sharing your Account credentials with anyone
• Being cautious when accessing your Account on public Wi-Fi networks

c. Phishing Awareness: You must be alert to phishing attempts. Conzo Africa will never ask for your password via email, phone, or any other means outside of our official Platform.

d. Unauthorized Access Reporting: You must notify us immediately if you suspect any unauthorized access to your Account or any other breach of security. You can contact us at support@conzo.africa or through our dedicated support channels.

e. Activity Monitoring: You must regularly review your Account activity and transaction history and report any suspicious transactions to us immediately.

f. Software Updates: You are to keep your devices and software up to date with the latest security patches and updates.

g. Wallet Address Management: You are to manage the Wallet Addresses associated with your Account with utmost care and not share them with unauthorized parties.

You acknowledge that Conzo Africa will not be responsible for any loss or damage arising from your failure to comply with these security responsibilities. We reserve the right to suspend or terminate Accounts that we believe have been compromised or are being used in a manner that violates these Terms or poses a security risk.

Conzo Africa facilitates the buying, selling, and holding of cryptocurrencies including but not limited to Bitcoin (BTC), Ethereum (ETH), Tether (USDT), USD Coin (USDC), BNB, and other digital assets as made available on the Platform from time to time.

IMPORTANT: Cryptocurrency trading involves substantial risk of loss. Digital asset prices are highly volatile and may fluctuate significantly over short periods. Past performance is not indicative of future results. You acknowledge that:

• You may lose some or all of your invested capital
• The value of digital assets can decrease to zero
• Regulatory changes may affect the availability or value of digital assets
• Conzo Africa does not provide investment advice or financial recommendations

All cryptocurrency transactions executed on the Platform are final and irreversible once confirmed on the blockchain. You are responsible for verifying all transaction details, including wallet addresses, amounts, and asset types, before confirming any transaction. Conzo Africa cannot reverse, cancel, or recover funds sent to an incorrect address.

Conzo Africa charges fees for certain transactions and services. Current fee schedules are displayed within the Platform at the time of each transaction. We reserve the right to modify our fee structure at any time with reasonable notice to users.

Conzo Africa provides a marketplace for the purchase of gift cards from participating brands and retailers. All gift card purchases are subject to availability. Gift card values are denominated in the stated currency at the time of purchase.

Users may list gift cards for sale on the Platform, subject to our verification procedures. You represent and warrant that any gift card you list for sale is legitimate, fully funded, has not been used, and is free from any encumbrances or restrictions on transfer. Fraudulent, stolen, or invalid gift cards will result in immediate account suspension and may be reported to law enforcement.

Conzo Africa is not the issuer of any gift cards available on the Platform and is not responsible for the policies or practices of gift card issuers. Conzo Africa does not guarantee the continued availability, validity, or redemption terms of any third-party gift card.