WeVault - Terms of Service

1. Introduction

Welcome to Western Vault Fintech Services (“WeVault,” “we,” “our,” or “us”) — a digital financial technology company providing investment, savings, loan, and global transfer services via https://www.wevault.online and its associated platforms.

By creating an account, accessing, or using our services, you agree to comply with and be bound by these Terms of Service and any additional policies referenced herein.

If you do not agree with these Terms, please discontinue the use of our services immediately.

2. Definitions

User/Client: Any individual or entity registered to use WeVault services.
Account: A verified digital profile maintained by the user on the WeVault platform.
Wallet: The electronic financial ledger associated with a user’s account for deposits, withdrawals, investments, and transfers.
Services: The full range of fintech products provided by WeVault, including savings, investment, loans, and payments.
KYC: Know Your Customer verification as required by applicable financial regulations.
AML: Anti-Money Laundering standards, policies, and controls.

3. Eligibility

To access WeVault services, you must:

Be at least 18 years old or the age of legal capacity in your jurisdiction.
Provide accurate registration information and maintain up-to-date account details.
Comply with all applicable laws, including financial conduct and data protection laws.

WeVault reserves the right to reject or suspend any account for failure to meet eligibility criteria or for suspected violations of law.

4. Account Registration and Verification

Users are required to complete account verification (email, identity, and KYC) before accessing financial features.
By registering, you authorize WeVault to:

Verify your identity through our secure third-party verification partners.
Conduct compliance checks in accordance with AML and CFT (Counter Financing of Terrorism) regulations.
Retain and process your data as governed by our Privacy Policy.

5. Use of Services

You agree to use WeVault only for lawful financial activities.
Prohibited uses include:

Fraudulent or deceptive transactions.
Laundering of funds or illegal remittances.
Exploiting system vulnerabilities or engaging in cyber-attacks.
Transacting on behalf of sanctioned entities or individuals.

WeVault reserves the right to freeze, restrict, or terminate accounts found engaging in any prohibited activity.

6. Deposits, Withdrawals, and Transactions

All transactions are processed through secure, regulated gateways.

Deposit and withdrawal limits are subject to KYC level and internal compliance approval.
Transaction processing times may vary based on currency, network, or third-party validation.
Fees, FX rates, and processing charges are transparently displayed prior to confirmation.

WeVault is not liable for delays or rejections caused by intermediary financial institutions, network outages, or compliance checks.

7. Investments and Savings

WeVault offers flexible and fixed-term financial instruments, including:

Investment portfolios with defined ROI rates and maturity durations.
Savings plans with recurring deposits and accumulated interest.

All returns are computed in accordance with plan terms, subject to applicable taxes and regulations.
Early withdrawals or terminations may incur penalties or forfeiture of accrued interest.

8. Loans and Credit Facilities

Loan eligibility is determined by user credit history, account activity, and internal risk assessment.
WeVault reserves the right to approve, reject, or amend loan applications at its discretion.
Failure to repay loans as agreed may result in account suspension, credit reporting, and legal recovery measures.

9. Intellectual Property

All content, trademarks, designs, and systems on the WeVault platform are the property of Western Vault Fintech Services.
You may not reproduce, distribute, or modify any material without prior written authorization.

10. Privacy and Data Security

WeVault collects and processes user data in accordance with our Privacy Policy, Security Policy, and applicable data protection laws (including GDPR).
We employ encryption, firewalls, and multi-factor authentication to secure all user transactions and personal data.

11. Service Availability and Maintenance

While WeVault strives to provide 24/7 access to services, occasional interruptions may occur for maintenance, upgrades, or third-party downtime.
WeVault is not responsible for losses resulting from scheduled or unscheduled service interruptions.

12. Limitation of Liability

WeVault shall not be liable for indirect, consequential, or incidental damages arising from:

Unauthorized access or use of user accounts.
Third-party service failures, system downtime, or transmission errors.
Changes in exchange rates, tax laws, or regulatory requirements.

Our maximum aggregate liability shall not exceed the total service fees paid by the user in the preceding three months.

13. Termination and Suspension

WeVault may suspend or terminate user accounts for:

Breach of these Terms.
Non-compliance with KYC/AML verification.
Regulatory or legal orders.
Upon termination, residual funds will be refunded after compliance clearance and applicable deductions.

14. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with applicable international financial laws and the legal jurisdiction in which WeVault operates (United Kingdom and other regulatory frameworks).
Disputes shall be resolved through arbitration or legal channels as appropriate.

15. Amendments

WeVault reserves the right to update these Terms periodically.
Users will be notified via email or dashboard notice prior to significant changes.
Continued use of the platform after updates constitutes acceptance of the revised Terms.

16. Contact Information

For inquiries or legal correspondence, please contact:
📧 compliance@wevault.online
📧 hi@wevault.online
🌐 https://www.wevault.online