Terms and conditions of the transfer service
These terms govern the use of the Zantray Transfert service by any individual or legal entity that opens an account, sends funds or receives a payment through our network.
1. Purpose of the service
Zantray Transfert operates a money transmission service between a sender located in an authorised sending country and a designated recipient in an open receiving country. The service is neither a deposit account nor a savings product: the sums handed over are intended to be transmitted immediately.
2. Account opening and verification
Opening an account requires you to provide accurate information and to have your identity verified. We may refuse to open an account, request additional documents or suspend an account when due diligence obligations cannot be met.
3. Transfer orders and irrevocability
A transfer order becomes irrevocable once the funds have been collected and the payout has been initiated. Before the funds are actually paid out to the recipient, you may request cancellation free of charge: the sums are returned within 5 business days to the original payment method.
4. Fees and exchange rate
The applicable fees and the exchange rate are displayed before any confirmation and summarised on the receipt. The rate is locked for 30 minutes from confirmation. No margin is taken on the exchange rate; no fee is payable by the recipient at the time of pickup.
5. Payout times
The times stated are the usual observed times, expressed in business days of the receiving country. They may be extended by a compliance check, the unavailability of the local partner or an event of force majeure. Any significant delay entitles you to a refund of the fees.
6. Liability
Our liability is limited to the amount of the transfer and the fees collected. We are not liable for the consequences of an error in the recipient's details provided by the sender, nor for fraudulent use resulting from the transfer code being disclosed to a third party.
7. Termination
You may close your account at any time from My account, provided that no transfer is in progress. We may terminate with two months' notice, or without notice in the event of fraud, unlawful use or inability to meet our regulatory obligations.
8. Governing law and disputes
These terms are governed by the law of the State of Florida for transfers sent from the United States. Any complaint must first be addressed to our customer service; if it is not resolved within 15 days, the matter may be referred to the payment services ombudsman free of charge.
This document is a demonstration mock-up produced for a design competition and has no contractual value. The regulatory notices, licence numbers and organisation names are fictitious.