Terms of Service

1. Agreement to Terms

By accessing and using CentNow ("we," "our," or "us"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service ("Terms") govern your use of our website located at centnow.io (the "Service") operated by CentNow Financial Services.

2. Description of Service

CentNow is a financial technology platform that provides:

• International money transfer services
• Currency exchange services
• Digital wallet functionality
• Multi-currency account management
• Real-time exchange rate information
• Transaction history and reporting

Our services are designed to facilitate secure, fast, and cost-effective financial transactions across multiple currencies and jurisdictions.

3. Eligibility and Account Registration

3.1 Eligibility Requirements

To use CentNow services, you must:

• Be at least 18 years of age
• Have legal capacity to enter into binding agreements
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Comply with all applicable laws and regulations

3.2 Account Verification

We may require identity verification through government-issued identification, proof of address, and other documentation as required by applicable anti-money laundering (AML) and know your customer (KYC) regulations.

3.3 Account Security

You are responsible for maintaining the confidentiality of your account information, including your password and PIN. You agree to notify us immediately of any unauthorized use of your account.

4. Financial Services and Transactions

4.1 Money Transfer Services

CentNow facilitates money transfers between users and to external recipients. All transfers are subject to:

• Available balance in your account
• Daily and monthly transaction limits
• Compliance with applicable regulations
• Successful completion of security verification

4.2 Currency Exchange

Exchange rates are determined in real-time based on market conditions and may include a margin. Rates are guaranteed at the time of transaction confirmation but may fluctuate before confirmation.

4.3 Fees and Charges

Transaction fees are clearly displayed before transaction confirmation. We reserve the right to modify our fee structure with 30 days' notice to users.

5. User Responsibilities and Prohibited Activities

5.1 Acceptable Use

You agree to use CentNow services only for lawful purposes and in accordance with these Terms. You will not:

• Engage in fraudulent or illegal activities
• Violate any applicable laws or regulations
• Attempt to circumvent security measures
• Use the service for money laundering or terrorist financing
• Provide false or misleading information
• Interfere with the proper functioning of the service

5.2 Transaction Monitoring

We monitor transactions for suspicious activity and compliance with applicable regulations. We may suspend or terminate accounts that violate these terms or applicable laws.

6. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

We implement industry-standard security measures to protect your personal and financial information, including encryption, secure data storage, and regular security audits.

7. Limitation of Liability

To the maximum extent permitted by law, CentNow shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, incurred by you or any third party.

Our total liability for any claims arising from or related to these Terms or the Service shall not exceed the amount of fees paid by you to CentNow in the twelve months preceding the claim.

8. Dispute Resolution

8.1 Customer Support

We encourage you to contact our customer support team first to resolve any disputes or concerns. We are committed to addressing issues promptly and fairly.

8.2 Arbitration

Any disputes that cannot be resolved through customer support shall be resolved through binding arbitration in accordance with the rules of the applicable arbitration association.

9. Regulatory Compliance

CentNow operates in compliance with applicable financial services regulations, including but not limited to:

• Anti-Money Laundering (AML) regulations
• Know Your Customer (KYC) requirements
• Payment Services Directive (PSD2) where applicable
• Consumer protection laws
• Data protection regulations (GDPR, CCPA, etc.)

10. Service Availability and Modifications

We strive to maintain continuous service availability but cannot guarantee uninterrupted access. We may temporarily suspend services for maintenance, security updates, or regulatory compliance.

We reserve the right to modify, suspend, or discontinue any aspect of the Service with reasonable notice to users.

11. Termination

Either party may terminate this agreement at any time. Upon termination, you will retain access to your account balance and transaction history for a reasonable period to facilitate fund withdrawal.

We may immediately suspend or terminate your account if you violate these Terms or engage in prohibited activities.

12. Changes to Terms

We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. We will notify you of material changes through email or in-app notifications.

Your continued use of CentNow after such modifications constitutes acceptance of the updated Terms.

13. Contact Information

If you have questions about these Terms of Service, please contact us: