Terms and Conditions

Effective Date: 22 Feb, 2025

Welcome to FinoGates. By accessing or using our services, you agree to comply with and be bound by the following Terms and Conditions. Please read them carefully before using our platform.

1. Introduction

FinoGates provides financial technology APIs that enable businesses to connect directly to payment networks, process transactions, and manage funds. These terms govern your use of our services, platform, and APIs.

2. Eligibility

By using FinoGates, you represent and warrant that:

  • You are at least 18 years old and legally capable of entering into agreements.
  • You are using the services on behalf of a business entity or organization.
  • You comply with all applicable laws and regulations in your jurisdiction.

3. Use of Services

By accessing or integrating FinoGates’ APIs, you agree to:

  • Use our services only for legitimate financial transactions.
  • Not engage in fraudulent, illegal, or prohibited activities.
  • Maintain confidentiality of API keys and credentials.
  • Follow all compliance and security measures required by FinoGates.

FinoGates reserves the right to suspend or terminate accounts involved in unauthorized activities.

4. Payments and Fees

  • Fees for FinoGates services will be communicated via pricing agreements or our official website.
  • All transactions, charges, and billing must be settled in accordance with the agreed terms.
  • We reserve the right to update pricing with prior notice.

5. Security and Compliance

  • FinoGates implements bank-grade security protocols to protect transactions.
  • You are responsible for ensuring your systems and user data remain secure.
  • You must comply with all financial regulations, including AML, KYC, and data protection laws.

FinoGates is not responsible for breaches caused by third-party negligence or misuse of API credentials.

6. Limitation of Liability

FinoGates is not liable for losses, damages, or business interruptions caused by:

  • System outages, cyberattacks, or third-party service failures.
  • Regulatory changes affecting financial transactions.
  • Incorrect implementation of our APIs by your team.

In no event shall FinoGates’ total liability exceed the fees paid by you in the last six months.

7. Termination & Suspension

We reserve the right to suspend or terminate your access to FinoGates’ services if you:

  • Violate these Terms and Conditions.
  • Engage in unauthorized or suspicious activities.
  • Fail to meet compliance requirements.

You may terminate your agreement with FinoGates by providing written notice and settling any outstanding balances.

8. Governing Law & Dispute Resolution

  • These Terms are governed by the laws of United States.
  • Disputes shall first be attempted to be resolved through negotiation, and if unresolved, through binding arbitration.

9. Changes to Terms

  • FinoGates may update these Terms and Conditions at any time.
  • Users will be notified of significant changes via email or platform updates.
  • Continued use of our services after modifications constitutes acceptance of the new terms.

10. Contact Information

For any questions regarding these Terms, reach out to us at: