Terms of Service

By accessing or using the services provided by KeyBS ("Company", "we", "us", or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

These terms apply to all users of our platform including importers, exporters, businesses, and individuals accessing our cross-border payment and treasury management services.

KeyBS provides:

• Cross-border payment infrastructure for international money transfers

• Treasury management services including FX risk management

• Crypto settlement and OTC trading services

• B2B invoice payment processing and trade finance

• Currency exchange services across 30+ currency pairs

Our services are subject to availability and may be modified or discontinued at any time with appropriate notice.

To use our services, you must:

• Be at least 18 years of age or the legal age of majority in your jurisdiction

• Have the legal authority to enter into binding contracts

• Complete our KYC/AML verification process successfully

• Represent a legitimate business or personal financial purpose

• Not be located in a jurisdiction where our services are restricted by law

All users must complete identity verification before accessing our services. We are required by law to:

• Verify the identity of all clients (Know Your Customer)

• Screen for politically exposed persons (PEPs) and sanctions

• Report suspicious transactions to relevant authorities

• Monitor ongoing transactions for compliance purposes

Failure to provide accurate KYC documentation will result in account suspension.

Our fee structure is disclosed transparently prior to each transaction. Fees may include:

• Transaction fees based on payment amount and destination

• Currency conversion spreads applied to exchange rates

• Account maintenance fees (where applicable)

• Express settlement fees for same-day processing

All fees are disclosed upfront. We do not charge hidden fees. Fee structures may be updated with 30 days notice.

To the maximum extent permitted by law, KeyBS shall not be liable for:

• Indirect, incidental, or consequential damages

• Loss of profits, revenue, or business opportunities

• Delays caused by third-party financial institutions or correspondent banks

• Force majeure events including but not limited to natural disasters, regulatory actions, or market disruptions

• Unauthorized access to your account resulting from your negligence

Our total liability shall not exceed the value of the specific transaction giving rise to the claim.

We may suspend or terminate your account if:

• You violate these Terms of Service

• We identify suspicious, fraudulent, or illegal activity

• Regulatory requirements mandate account closure

• You fail to maintain compliance with ongoing KYC requirements

• You provide false or misleading information during onboarding

Upon termination, any pending transactions will be reversed or completed per applicable law.

These Terms of Service are governed by the laws of Ghana and applicable international financial regulations. Disputes shall be resolved through arbitration in Accra, Ghana, unless otherwise required by law.