1. Agreement to Terms

These Terms of Service constitute a legally binding agreement between you ("User", "You") and Zoomcrest ("Company", "We", "Us", "Our") governing your use of our website, mobile applications, and services.

By creating an account, accessing, or using our platform, you acknowledge that you have read, understood, and agree to be bound by these terms, including any future modifications.

2. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a resident of Nigeria or have a valid Nigerian bank account
• Have the legal capacity to enter into binding contracts
• Not be on any sanctions lists or restricted by applicable law
• Provide accurate and complete information

We reserve the right to verify your eligibility and refuse service to anyone at our sole discretion.

3. Account Registration

To access certain features, you must register for an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information promptly
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

4. KYC Verification

To comply with regulatory requirements, we require identity verification (KYC). You agree to:

• Provide valid government-issued identification
• Submit to biometric verification when requested
• Provide proof of address when required
• Consent to background checks as permitted by law
• Update your information when it changes

We may use third-party services to verify your identity. Your information will be handled in accordance with our Privacy Policy.

5. Transactions

5.1 Buy/Sell Orders

• Orders are executed at the prevailing market rate
• Rates are locked at the time of confirmation
• All transactions are final and irreversible
• Funds are credited instantly upon completion

5.2 Withdrawals

• Withdrawals are processed to your verified bank account
• Processing times may vary from 5 minutes to 1 hour
• Minimum withdrawal amount: ₦1,000
• We are not responsible for delays caused by your bank

5.3 Crypto Transfers

• You are responsible for ensuring correct wallet addresses and networks
• Transactions on the blockchain are irreversible
• Network fees are non-refundable
• Minimum transfer amounts apply per network

6. Fees & Charges

Our fee structure is transparent and available on our Pricing page. By using our services, you agree to pay:

• Trading fees as a percentage of transaction value
• Network fees for blockchain transactions
• Withdrawal fees for bank transfers
• Any applicable taxes

Fees are subject to change with notice. Fees are deducted at the time of transaction.

7. Transaction Limits

Limits vary based on your verification level:

We may adjust limits at our discretion to comply with regulations or manage risk.

8. Security Responsibilities

You are responsible for:

• Maintaining strong passwords and enabling 2FA
• Keeping your device and software secure
• Logging out after each session
• Not sharing your account credentials
• Reporting suspicious activity immediately

We implement industry-standard security measures but cannot guarantee absolute security.

9. Prohibited Activities

You may not use our platform to:

• Engage in money laundering or terrorist financing
• Conduct fraudulent activities
• Manipulate markets or engage in wash trading
• Use stolen or fraudulent payment methods
• Attempt to bypass our security measures
• Harass or harm other users
• Violate any applicable laws or regulations

Violation may result in immediate account termination and reporting to authorities.

10. Account Termination

We may suspend or terminate your account:

• For violation of these terms
• For suspicious or illegal activity
• At your request
• For inactivity exceeding 12 months
• As required by law or regulation

Upon termination, you may withdraw remaining funds subject to security review.

11. Limitation of Liability

To the maximum extent permitted by law:

• We provide services "as is" without warranties
• We are not liable for indirect or consequential damages
• Our total liability is limited to the amount in your account or transacted
• We are not responsible for third-party actions
• We do not guarantee uninterrupted service

12. Dispute Resolution

Any disputes arising from these terms shall be resolved through:

1. Informal negotiation - 30 days
2. Mediation through a mutually agreed mediator
3. Arbitration in Lagos, Nigeria
4. Courts of Lagos, Nigeria for injunctive relief

These terms are governed by the laws of the Federal Republic of Nigeria.

13. Changes to Terms

We may modify these terms at any time. Changes are effective upon posting. Material changes will be notified via any or all of the following:

• Email to registered address
• Notice on our website
• In-app notification

Continued use after changes constitutes acceptance.

14. Contact Us

For questions about these terms, please contact us:

• support@zoomcrest.com