Terms of use


These Terms of Use (these "Terms") represent an agreement between you and xChangerFX Technologies Limited. ("xChangerFX") and contain the terms and conditions governing your use of and access to our website at https://xchangerfx.com and all affiliated websites owned and operated by us (collectively, the "Website") and our products, services, and applications (together with the Website, the "Services"). "You" and "your" mean the person who uses or accesses the Services. "We," "us," and "our" mean xChangerFX and its successors, affiliates, and assignees. As used in these Terms, "xChangerFX Account" means the account you have with us for the Services.

Your use of and access to the Services are subject at all times to these Terms and our Privacy Policy. Please read these Terms and our Privacy Policy carefully. By using or accessing the Services, you represent that you have read and understand these Terms and our Privacy Policy and you agree to be bound by these Terms and our Privacy Policy. If you do not agree to all the terms and conditions of these Terms and our Privacy Policy, do not use or access the Services.

1. The information we collect

  • Personal Information: As part of our operations, xChangerFX collects and processes certain types of information (such as name, telephone numbers, address etc.) of individuals that makes them easily identifiable. We are committed to complying with applicable data protection laws, regulations, rules and principles to ensure security of Personal Information handled by the Company. To gain full access to our website and services, you must create an xChangerFX account. When you create an account, we collect Personal Information which you voluntarily provide to us. Personal Information refers to information relating to an identified person or information that can be used to identify you, (e.g. email address, bank details, name, telephone number). It may also include anonymous information that may be linked to you specifically, (e.g. IP address). We use your Personal Information to: provide you with the required services. Internal record keeping improve features, website content and analyse data to develop products and services. We may periodically send promotional emails about new products,special offers or other information which we think you may find interesting, using the email address which you have provided.
  • Information that we collect from website visitors: We do not collect your Personal Information when you visit the website. However, so we can monitor and improve our website and services we may collect non-personally-identifiable information. We will not share or disclose this information with third parties except as a necessary part of providing our website and services. We may use the information to target advertisements to you.

2. Cookies

We use cookies to identify you as a User and make your user experience easier, customise our services, content and advertising; help you ensure that your account security is not compromised, mitigate risk and prevent fraud; and to promote trust and safety on our website. Cookies allow our servers to remember IP addresses, date and time of visits, monitor web traffic and prevent fraudulent activities.Our cookies never store personal or sensitive information; they simply hold a unique random reference to you so that once you visit the site we can recognize who you are and provide certain content to you.

If your browser or browser add-on permits, you have the choice to disable cookies on our website, however this may impact your experience using our website.

3. How we share the Personal Information you provide

xChangerFX does not sell, trade or rent personal information to anyone. However, to enable us to render our services to you on our website, we may share your information with trusted third parties, such third parties include financial institutions, payment processors verification services, sanctions screening and identity verification services as well as any third parties that you have directly authorized to receive your Personal Information. Your Personal Information may be stored in locations outside the direct control of xChangerFX, for instance, on servers or databases co-located with hosting providers.

We may disclose your Personal Information in compliance with applicable law or a legal obligation to which we are bound.

4. Prohibited Uses

User may only use this website and app for lawful purposes. The following uses are prohibited:

  • For any commercial purposes except those that are specifically endorsed or approved by us;
  • To interfere with any other user’s use or enjoyment of the website and app;
  • To decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the website or app;
  • In any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose or effect;
  • To create, check, confirm, update or amend your own or someone’s else databases, records, directories, customer lists, mailing or prospecting lists;
  • To send, knowingly receive, upload, download, use or re-use any material which does not comply with xChangerFX content standards;
  • To circumvent, disable, or otherwise interfere with security related features of the website or app, including features that prevent or restrict the use or copying of any content or enforce limitations on the use;
  • To transmit, or procure the sending of, any unsolicited or unauthorized advertising or promotional material or any other form of similar solicitation;
  • To knowingly transmit any data, send or upload any material that contain viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware;
  • To violate any law for the time being in force;
  • To harass or advocate harassment of another user; and
  • To impersonate another user or a third-party;

By accepting these Terms of Use, you represent and warrant that:

  • All information given by you is truthful, lawful and accurate;
  • The use of xChangerFX’s website and app solely for their use and you will not authorize others to use the account;
  • You will not use the Services in any way that is unlawful, or harms us or any other person;
  • You will always be in compliance with applicable laws;
  • You understand and acknowledge that the use of the Services requires internet connectivity and telecommunication links. You shall bear the costs incurred to access and use the Services, and we shall not, under any circumstances whatsoever, be responsible or liable for such costs.

5. Account Registration, Suspension and Termination

  • We do not permit Users to access and view the contents of our Services without registration on the Website or Application. You may access the application by registering to create an account and become a member.
  • You agree to provide accurate, current, true and complete information while registering on the website or application;
  • You are required to maintain up-to-date data to keep it accurate, true, correct and complete.

Our use of data and certain other information about you is subject to our Privacy Policy. On registration, you may be required to complete a verification process as part of setting up their accounts. Once set up, you will receive a password protected account and an identification. You are responsible for maintaining the confidentiality of your account information and are fully responsible for all activities that occur through your accounts.

In the event of any unauthorized use of your accounts or any other breach of security, you agree to:

  • immediately notify us if you become aware of any unauthorized use of your account or any other breach of security that they became aware of by sending an appropriately worded email to support@xchangerfx.com; and
  • ensure that you exit from your website account at the end of each session. We cannot and will not be liable for any loss or damage arising from your failure to comply with these requirements.

It shall be the responsibility of the user to treat the identification code, password and any other piece of information that is provided by us, as part of the security procedures, as confidential and not disclose the same to any person or entity other than us.

We reserve the right to suspend, modify, discontinue or terminate any service offered by us or any part of it (including the availability of any feature of or pages on the website or app) at any time and without notice or liability to you. We will determine, in our discretion, whether there has been a breach of these Terms of Use through your use of the website or app. When a breach has occurred, we may take such action as we deem appropriate.

Failure to comply with these Terms of Use constitute a material breach and may result in any or all of the following disciplinary actions:

  • immediate, temporary or permanent withdrawal of your right to use the website or app;
  • immediate suspension or termination of your account;
  • immediate, temporary or permanent removal of any posting or material uploaded by you to the website or app;
  • issue of a warning to you;
  • legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach;
  • further legal action against you; and/or
  • disclosure of such information to law enforcement authorities as we reasonably deem appropriate.

Upon termination, you are prohibited from registering a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third-party.

6. Amendment to the Terms

We reserve the right to change, modify, amend, or update these Terms of Use from time to time and such amended provisions of these Terms of Use will be effective immediately upon being posted on the website or app. If you do not agree with such provisions, you may stop using the Services immediately. Your continued use of the Services will be deemed to signify your acceptance of the amended provisions of these Terms of Use.

7. Disclaimers of Warranty and Limitation of Liability

We do not represent that access to the website or services will be uninterrupted, timely, error-free, free of viruses or other harmful components or that such defects will be corrected. We reserve the right to restrict your access to this website at any time and for any reason. To the fullest extent permissible by law, we exclude any and all liability to you resulting from your use of the website or app or connected to these terms of use. This exclusion includes but is not limited to any type of damages, loss of data, income or profit or loss or damage to property belonging to you or third parties arising from the use of this websites or its contents. Nothing in these terms of use is intended to limit our liability to you for death or personal injury resulting from our negligence or that of our employees or agents.

8. Third party websites

This website may provide hyperlink to websites or other online resources under the control of third parties. Any such links are provided solely for your convenience. These third-party websites and resources have their own terms of use and privacy policies which you will need to comply with. We have no control over the content of these third-party websites or resources and we are not responsible for the availability or contents of any linked websites and do not endorse them in any way. We welcome ‘hot links’ and deep-links to the websites, by which we mean that you may include a link to any page to the website on other websites, provided that you do not use such link in any way which would imply partnership, affiliation, endorsement or sponsorship of any service or product or which may bring us or the other brands in our group into disrepute. You may not display the content or allow it to be displayed surrounded or framed or otherwise surrounded by material, please email support@xchangerfx.com.

We reserve the right to withdraw any such permission at any time.

9. Intellectual Property

Unless otherwise expressly stated, the intellectual property including but not limited to software, graphics, texts, images, designs, compilations, databases, targeting information, trademarks, logos, domain names, trade names, service marks, trade identities, any and all copyright material (including source and object code), and all non-exclusive, worldwide, perpetual, irrevocable, royalty free, sub-licensable (through multiple tiers) right to the intellectual property and all other material related website) belongs to us, and is protected by applicable copyrights, trademark rights, database rights and other proprietary rights. Nothing in these Terms of Use grants you a right or licence to use the Content except as expressly provided in these Terms of Use.

Subject to strict compliance with these Terms of Use, we may grant you a limited, personal, non-exclusive, non-commercial, revocable, non-assignable and non-transferable licence to use the website and to view, download for caching purposes only, and print pages from the website for your own personal non-commercial use.

You may not use any of the material on this website without our prior written permission for your own commercial purposes, whether by reproducing, duplicating, re-selling, copying, downloading, printing, linking to, editing, broadcasting, distributing or otherwise.

10. Data Protection

In compliance with applicable data protection laws, we will keep your personal information secure and will use it only in accordance with our privacy policy. All personal information held by us will be held in accordance with the terms of applicable data protection laws.

11. Entire Agreement

These Terms of Use are the entire agreement between xChangerFX and the User in relation to the User’s use of the website and supersede any and all prior terms, conditions, warranties or representations in respect of such use to the fullest extent permitted by law. If any term of these Terms of Use is held to be invalid or enforceable, the remainder of these Terms of Use shall remain valid and enforceable.

12. Applicable Law

These Terms of Use will be governed by the English law and any disputes will be subject to the exclusive jurisdiction of the Courts in England and Wales.

13. Contacting Us

If there are any questions regarding this Terms and/or Privacy Policy, you may contact us using this information below: support@xchangerfx.com