Terms of Service

By accessing or using the Pebbles website and services, you agree to be bound by these Terms of Service. Please read them carefully before using our services. If you do not agree to these terms, you may not access or use our services.

These Terms of Service apply to all visitors, users, and others who access or use our website, engage with our content, or use our cross-border payment services.

Pebbles reserves the right to update or modify these Terms of Service at any time. Your continued use of the service following any changes constitutes your acceptance of the revised terms.

Pebbles provides cross-border payment, currency exchange, and related travel finance services. Access to certain services may require identity verification and agreement to additional product-specific terms.

You agree to use our services only for lawful purposes and in a manner consistent with all applicable laws and regulations, including anti-money-laundering and sanctions requirements.

• You must be at least 18 years of age to use our services.
• You are responsible for maintaining the confidentiality of your account credentials.
• You agree not to reproduce, duplicate, or exploit any portion of our services without written permission.
• You must not attempt to gain unauthorized access to any part of our systems or networks.

Applicable fees and exchange rates are displayed before you confirm any transfer. Rates are indicative until the transaction is submitted and may change with market conditions.

Once a transfer is confirmed and processing has begun, it may not be possible to cancel or reverse it. Where cancellation is possible, any applicable refund will be made in accordance with our refund policy.

You agree to conduct yourself lawfully and respectfully when interacting with Pebbles through our app, website, or support channels. We reserve the right to suspend service to anyone who engages in abusive, fraudulent, or harmful behaviour.

You agree not to submit false, misleading, or fraudulent information. Providing accurate information is essential to our regulatory obligations and to our ability to deliver the service.

To the fullest extent permitted by applicable law, Pebbles shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your access to or use of (or inability to use) our services.

In jurisdictions where limitations of liability are not permitted, our liability shall be limited to the greatest extent permitted by law.

Pebbles may suspend or terminate access to our services, without prior notice, where required by law or where you breach these Terms of Service.

Upon termination, your right to use our services will cease. Provisions which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

Pebbles reserves the right to revise these Terms of Service. Changes are effective upon posting to our website and apply to all use of the service thereafter.

We encourage you to review these terms periodically. If you have questions about these Terms of Service, contact us at hello@pebbles.app.