Terms & Conditions

Terms & Conditions

Effective date: 10 September 2026

Introduction

These Terms & Conditions govern your access to and use of the SendNex website, mobile application, account, money-transfer features, and related services. By creating an account, accessing, or using a SendNex service, you agree to these Terms & Conditions and acknowledge our Privacy Policy.

SendNex Inc. ("SendNex," "we," "us," or "our") is a financial technology company with a mailing address at 30 N Gould St Ste R, Sheridan, Wyoming 82801, United States. SendNex is not a bank or depository institution.

SendNex is registered with the Financial Crimes Enforcement Network (FinCEN) as a Money Services Business (MSB Registration No. 31000335820738). FinCEN registration does not constitute an endorsement, state money-transmitter license, or authorization to conduct money transmission in every U.S. jurisdiction. Where licensing or regulated financial services are required, those services may be provided or facilitated by appropriately regulated partner financial institutions or service providers.

1. Service availability

SendNex supports cross-border money transfers from supported sending locations, including the United States and Canada, to supported recipient countries and payout methods. Available countries, currencies, payment methods, payout methods, limits, and features may change from time to time.

The application and final transaction screen will show the services available to you at the time of a transfer. Website content, marketing materials, calculator results, or previously available corridors do not guarantee that a service will remain available.

Calculator results and other indicative rates are estimates until a final quote is issued. A quote may expire or change before you authorize the transfer.

2. Eligibility and account responsibilities

To use transactional services, you must be at least 18 years old, have legal capacity to enter into a contract, and access SendNex from a supported location. You must provide complete, accurate, and current information and use your account only for lawful personal purposes unless SendNex expressly approves another use.

• Complete identity, address, source-of-funds, source-of-wealth, or other verification and compliance checks reasonably required by SendNex or a regulated partner.
• Keep your password, device access, authentication methods, and verification codes secure and notify us promptly of suspected unauthorized access.
• Keep your account, identity, and contact information current.
• Do not allow another person to operate your account or create or use an account with false, incomplete, or misleading information.
• Provide accurate recipient information and ensure you are authorized to provide any personal information about a recipient or other third party that you submit through SendNex.

3. Regulated partners and third-party terms

SendNex works with regulated financial institutions, payment processors, identity and compliance providers, payout providers, banks, and other service providers to make our services available. The partner involved in a transaction may depend on your location, payment method, payout method, currency, or corridor.

Certain SendNex services may use infrastructure or regulated services provided or facilitated by Cybrid, its affiliates, or its financial partners. When a Cybrid-powered service applies to you, your use of that service may also be subject to the Cybrid End User Agreement and Cybrid Privacy Policy. We may present additional partner disclosures or require acceptance of applicable partner terms before you can use the relevant feature.

If you do not agree to a required partner agreement or cannot satisfy a partner's eligibility or compliance requirements, the affected service may not be available to you.

4. Quotes, fees, exchange rates, and payment

Before you authorize a transfer, the service will show the send amount, recipient amount, exchange rate, applicable fees, delivery method, and estimated delivery time or availability date. You are responsible for reviewing these details and the recipient information carefully before confirming the transfer.

Exchange rates, fees, and limits may vary by corridor, amount, payment method, payout method, market conditions, regulatory requirements, and partner costs. The final amount payable will be disclosed before you authorize the transaction.

You must use only a payment method that you are authorized to use. Your bank, card issuer, mobile-money provider, or another third party may charge fees that are separate from SendNex and outside our control.

5. Transfers, compliance reviews, and delivery

We or our partners may delay, decline, place on hold, or cancel a transfer where information is incomplete, verification or compliance review is required, payment fails, fraud or prohibited activity is suspected, a recipient cannot be paid, a partner or payout rail is unavailable, or processing the transfer could breach law, sanctions, partner requirements, or these terms.

Delivery times are estimates unless applicable law or a transaction disclosure states otherwise. Banking hours, local holidays, network availability, payout-provider processing, compliance reviews, incorrect recipient information, and events outside our reasonable control may affect delivery.

You must review recipient details carefully. Once funds have been deposited, collected, or otherwise made available to the recipient, recovery may not be possible. This does not limit any cancellation, refund, or error-resolution rights that cannot lawfully be waived.

6. Cancellations, refunds, and transfer errors

Contact us as soon as possible at info@sendnex.app or +1 (240) 422-4195 if you want to cancel a transfer or believe a transfer contains an error. Your transaction receipt or confirmation may contain additional cancellation and error-resolution instructions that apply to the transfer.

Where U.S. federal remittance-transfer rules apply, qualifying senders generally have a right to cancel a transfer within 30 minutes after payment if the funds have not already been deposited into or picked up from the recipient's account and the provider can identify the transfer. Qualifying cancellation refunds are subject to the timing and other requirements of applicable law.

Where U.S. remittance-transfer error-resolution rules apply, you may have up to 180 days from the disclosed date of availability to report certain transfer errors. Other laws, partner terms, or our own policies may provide additional rights or longer periods.

Nothing in these Terms & Conditions limits any mandatory cancellation, refund, reimbursement, chargeback, or error-resolution right available to you under applicable law.

7. Prohibited use

You must use SendNex only for lawful, genuine purposes.

• Do not use SendNex for fraud, money laundering, terrorist financing, sanctions evasion, illegal goods or services, scams, exploitation, or any activity prohibited by law.
• Do not use funds, bank accounts, cards, wallets, or payment methods that you are not authorized to use.
• Do not attempt to evade transaction limits, compliance controls, geographic restrictions, or screening requirements, including by structuring transactions or creating duplicate accounts.
• Do not interfere with security controls, introduce malicious code, scrape the service in an unauthorized manner, reverse-engineer protected software, or misuse SendNex systems or APIs.
• Do not impersonate another person, misrepresent the purpose of a transaction, or provide false, incomplete, or misleading information to SendNex, a partner, or another user.

8. Account restrictions, suspension, and closure

We may restrict, suspend, or close an account, or limit a feature or corridor, where required by law, regulation, a partner, security concerns, suspected misuse, compliance obligations, or a breach of these Terms & Conditions. Where legally permitted and reasonably practical, we will provide an explanation or next steps.

You may request account closure through the available account controls or by contacting support. Closing an account does not cancel obligations, investigations, disputes, record-retention requirements, or completed or pending transactions that must continue under applicable law or partner requirements.

9. Electronic communications

You agree that we may provide service-related communications, transaction notices, disclosures, security alerts, policy updates, and other legally required communications electronically, including through the application, website, email, or other contact information associated with your account, where permitted by law.

Marketing communications are handled separately. Where consent is required, we will obtain it, and you may unsubscribe from marketing communications without affecting essential service or transaction messages.

10. Intellectual property

SendNex branding, website content, application software, interfaces, and related materials are owned by or licensed to SendNex Inc. You may use them only as necessary to access and use the service. You may not copy, sell, modify, distribute, or commercially exploit protected SendNex materials without prior written permission, except where applicable law permits otherwise.

11. Third-party services and service interruptions

Some parts of SendNex depend on third-party banks, financial institutions, payment networks, card networks, mobile-money providers, identity providers, cloud services, telecommunications providers, and payout partners. Their services may be subject to separate terms, operating hours, limits, outages, and legal requirements.

We do not guarantee uninterrupted access to every SendNex feature or third-party network. We may perform maintenance, make security changes, or temporarily restrict access when reasonably necessary.

12. Liability

Nothing in these Terms & Conditions excludes or limits liability, remedies, or consumer rights that cannot lawfully be excluded or limited.

To the extent permitted by applicable law, SendNex is not responsible for indirect, incidental, special, or consequential losses, or losses caused by incorrect information supplied by you, unauthorized use resulting from your failure to protect account credentials, third-party network failures, or events outside our reasonable control.

Any limitation in these Terms & Conditions applies only to the extent permitted by the law that applies to you and does not remove mandatory rights available under consumer, payments, remittance, privacy, or other applicable law.

13. Complaints and regulatory rights

For support, complaints, cancellations, or transfer issues, email info@sendnex.app or call +1 (240) 422-4195. Please include enough information for us to identify the issue, but never send a password, one-time verification code, PIN, or full payment-card details by email.

If a regulated partner handled the relevant service, that partner's complaint process, error-resolution process, and regulatory escalation rights may also apply. We will identify the relevant partner or route your complaint where appropriate.

You may also have the right to submit a complaint to a financial, consumer-protection, privacy, or other regulatory authority with jurisdiction over the service. Nothing in these Terms & Conditions prevents you from exercising a non-waivable regulatory or statutory right.

14. Changes to these terms

We may update these Terms & Conditions when our services, partners, technology, or legal and regulatory obligations change. We will publish the revised effective date and provide additional or advance notice where required by law, contract, or an applicable partner requirement.

If a change requires your affirmative consent, we will request it before the change applies to you. Otherwise, continued use of the service after the applicable effective date constitutes acceptance to the extent permitted by law.

15. Governing law

Except where mandatory law requires otherwise, these Terms & Conditions are governed by the laws of the State of Wyoming and applicable United States federal law, without regard to conflict-of-law principles.

This governing-law clause does not remove mandatory consumer, payments, privacy, complaint, or other statutory protections that apply because of where you live or where a regulated service is provided. Separate partner agreements may contain their own governing-law and dispute-resolution provisions for services provided by those partners.