Terms & Conditions

By accessing or using BLUE FINANCIAL SERVICES services, including our website, mobile application, and associated APIs (collectively, the "Services"), you agree to be bound by these Terms & Conditions. If you do not agree to these terms, you must not use the Services. We may update these Terms from time to time. Continued use of the Services after changes constitutes acceptance of the updated Terms.

To use BLUE FINANCIAL SERVICES, you must be at least 18 years of age, reside in a jurisdiction where our Services are available, and complete our identity verification (KYC) process. By registering, you confirm that all information you provide is accurate and up-to-date.

Each user may hold wallets in our supported currencies. Wallets are electronic money accounts, not bank deposits. Customer funds are held in segregated accounts with our licensed banking partners. You are responsible for maintaining the security of your account credentials.

You may send, receive, and convert funds subject to applicable limits and fees. All transactions are final once confirmed with two-factor authentication. We use regulated partners to process your transfers, and we have safeguards in place to make sure a transfer isn't accidentally processed twice.

Fees are disclosed before each transaction and on our Pricing page. Transaction limits depend on your KYC verification tier. We reserve the right to update fees with 30 days' notice.

Virtual and physical Visa cards are issued by our card issuing partners. Card usage is subject to the card program terms. You may freeze, unfreeze, and set spending limits through the app. Lost or stolen cards should be reported immediately.

Gold vault and cryptocurrency services are provided through regulated partners. Digital asset values are volatile and past performance is not indicative of future results. Regulatory treatment of digital assets varies by jurisdiction.

You may not use the Services for illegal purposes, money laundering, terrorist financing, fraud, or any activity that violates applicable laws. We monitor transactions for suspicious activity and may freeze accounts pending investigation.

BLUE FINANCIAL SERVICES's liability is limited to the amount of funds held in your wallets at the time of any incident. We are not liable for losses caused by partner service outages, force majeure, or unauthorized access resulting from your failure to secure your credentials.

These Terms are governed by the laws of the jurisdiction in which BLUE FINANCIAL SERVICES is registered. Any disputes shall be resolved through the competent courts of that jurisdiction, unless mandatory consumer protection laws provide otherwise.