Terms of Use
Effective Date: January 1, 2025 Last Updated: January 1, 2025
1. Acceptance of Terms
By accessing or using Qupe's website, mobile application, or any of our financial services (collectively, the "Services"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use our Services.
These Terms constitute a legally binding agreement between you and Qupe, Inc. ("Qupe," "we," "our," or "us"). We reserve the right to update these Terms at any time. Continued use of the Services after changes are posted constitutes your acceptance of the updated Terms.
2. Eligibility
To use our Services, you must:
Be at least 18 years of age
Be a legal resident or citizen of a country where Qupe operates
Have the legal capacity to enter into a binding agreement
Not be prohibited from using financial services under applicable law
By registering an account, you represent and warrant that you meet all eligibility requirements above.
3. Account Registration
To access certain features of the Services, you must create an account. When registering, you agree to:
Provide accurate, current, and complete information
Maintain and promptly update your account information
Keep your login credentials confidential and secure
Notify us immediately of any unauthorized access to your account
Accept responsibility for all activity that occurs under your account
Qupe reserves the right to suspend or terminate accounts that contain inaccurate or misleading information.
4. Permitted Use
You may use our Services only for lawful purposes and in accordance with these Terms. You agree not to:
Use the Services for any illegal, fraudulent, or unauthorized purpose
Attempt to gain unauthorized access to our systems or networks
Transmit any viruses, malware, or harmful code
Harvest or collect personal data of other users without consent
Reverse engineer, decompile, or disassemble any part of the Services
Use the Services in any way that could disable, overburden, or impair them
Engage in money laundering, terrorist financing, or other financial crimes
5. Financial Services
Qupe provides digital banking and financial management tools, including but not limited to:
Personal and business bank accounts
Domestic and international money transfers
Debit and virtual card services
Savings and investment tools
Spending analytics and budgeting features
All financial services are subject to applicable regulations and additional product-specific agreements. Transaction limits, fees, and available features may vary by account type and jurisdiction.
6. Fees and Charges
Applicable fees for our Services are outlined in our Fee Schedule, which is incorporated into these Terms by reference. We reserve the right to modify our fees with reasonable advance notice. Continued use of the Services after a fee change constitutes acceptance of the new fee structure.
You are responsible for all charges incurred through your account, including unauthorized charges resulting from your failure to safeguard your credentials.
7. Intellectual Property
All content, features, and functionality of the Services — including but not limited to text, graphics, logos, icons, and software — are owned by Qupe or its licensors and are protected by applicable intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to access and use the Services for personal or business purposes. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.
8. Privacy
Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you consent to our collection and use of your information as described in the Privacy Policy.
9. Disclaimers
The Services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Qupe does not warrant that the Services will be uninterrupted, error-free, or free of harmful components.
Nothing in the Services constitutes financial, investment, tax, or legal advice. You should consult a qualified professional before making financial decisions.
10. Limitation of Liability
To the fullest extent permitted by law, Qupe shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Services — even if we have been advised of the possibility of such damages.
Our total liability to you for any claim arising from these Terms or the Services shall not exceed the amount you paid to Qupe in the twelve (12) months preceding the claim.
11. Indemnification
You agree to indemnify, defend, and hold harmless Qupe and its officers, directors, employees, and agents from any claims, liabilities, damages, or expenses (including legal fees) arising from your use of the Services, violation of these Terms, or infringement of any third-party rights.
12. Termination
We may suspend or terminate your access to the Services at any time, with or without cause, and with or without notice. You may terminate your account at any time by contacting us at hello@qupe.com.
Upon termination, all licenses granted under these Terms will cease, and you must discontinue use of the Services. Provisions that by their nature should survive termination will do so.
13. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be resolved exclusively in the courts of Delaware.
14. Contact
If you have any questions about these Terms, please contact us:
Qupe, Inc. 350 Fifth Avenue, New York, NY 10118 Email: hello@qupe.com Phone: +1 (415) 555-0192
