Terms of Service

1. Acceptance of Terms

By accessing or using the services provided by XNB Pty Ltd ("XNB", "we", "us", "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use our Services.

2. Services Description

XNB provides cross-border financial services including but not limited to multi-currency accounts, international money transfers, cross-border payments, and digital currency exchange. Our services are regulated by ASIC and comply with AUSTRAC requirements.

3. Account Registration

To use our Services, you must register for an account and provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials.

4. User Obligations

You agree to use our Services only for lawful purposes. You shall not use our Services for any illegal activities, including but not limited to money laundering, terrorist financing, or fraud.

5. Fees and Charges

XNB may charge fees for certain services. All applicable fees will be disclosed to you before you complete a transaction.

6. Limitation of Liability

To the maximum extent permitted by law, XNB shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our Services.

7. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Australia.

8. Contact Information

For any questions regarding these Terms, please contact us at: [email protected]