Effective Date: July 24, 2025
Welcome to XIGA MONEY (“XIGA,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of our money transfer services, mobile application, and website (collectively, the “Service”) as a Sender of funds.
Please read these Terms carefully before using the Service. By registering for, accessing, or using XIGA MONEY, you agree to be bound by these Terms.
To use XIGA MONEY, you must:
Be at least 18 years of age
Reside in the United States
Have a valid government-issued ID and a U.S.-based payment method (bank account, debit, or credit card)
Use the Service only for lawful, personal purposes
XIGA MONEY enables you to send money from the United States to supported countries, including destinations across Africa. We partner with licensed financial institutions, banks, mobile money operators, and payout agents to deliver funds securely, affordably, and quickly.
Our services include:
Bank account and mobile wallet transfers
Real-time transaction tracking
Identity verification
Customer service and support
As a user, you agree to pay:
A flat transfer fee per transaction, disclosed prior to confirmation
Any applicable fees charged by third-party financial institutions or payout agents
Currency exchange rates may include a margin above the mid-market rate. All fees and rates will be shown clearly before you complete the transaction.
We may impose limits on how much you can send based on:
Your transaction history
Your verification level
Compliance with federal and state regulations
These limits may change at any time to reflect risk controls or regulatory obligations.
You agree to:
Provide accurate and complete recipient and transaction information
Use XIGA MONEY only for lawful and personal purposes
Keep your login credentials secure
Immediately update your account with any changes to your personal or payment information
To comply with anti-money laundering (AML), sanctions (OFAC), and other regulatory laws, we may:
Request identity documentation (e.g., government ID, selfie, proof of address)
Monitor and review transactions for suspicious activity
Delay or suspend transactions for compliance review
Report suspicious activity to regulatory authorities
Failure to comply may result in denial of service or account termination.
In order to provide our services, XIGA MONEY works with trusted third-party providers such as:
Banks and licensed financial institutions
Payment processors
Mobile money operators
Compliance verification partners
These third parties may have access to your personal data strictly for the purpose of fulfilling the transaction, verifying your identity, processing payments, or complying with legal obligations. All partners are subject to strict data protection standards and confidentiality requirements.
You may cancel a transaction only if it has not yet been processed or delivered to the recipient. If approved, refunds will:
Be returned to your original payment method
Be subject to any applicable processing fees or exchange rate losses
Please contact support immediately if you need to cancel or correct a transaction.
All content on our platform — including logos, text, graphics, and technology — is the property of XIGA MONEY or its licensors. You may not copy, reproduce, or use this content without written permission.
XIGA MONEY is not liable for:
Delays, losses, or non-delivery due to incorrect recipient information, third-party service failures, or events outside our control (e.g., natural disasters, telecom failures)
Any indirect or consequential damages
Unauthorized access to your account due to your negligence
Our liability is limited to the amount you paid for the transaction.
Your personal information is collected and used in accordance with our [Privacy Policy] and applicable laws. We use your data to:
Process your transactions
Verify your identity
Comply with legal and regulatory requirements
Improve our services
We do not sell your personal information. Limited data may be shared with third parties only as necessary to complete your transaction or meet legal obligations.
We may update these Terms from time to time. Updates will be communicated via email or in-app notifications. Your continued use of the Service after changes are made constitutes acceptance of the new Terms.
These Terms are governed by the laws of the State of Arizona and applicable federal laws of the United States.
For questions, concerns, or support:
📍 XIGA MONEY
1702 W Tuckey Ln, Unit 203
Phoenix, AZ 85015, USA
📧 Email: admin@xigamoney.com
📞 Phone: (602) 813-8552
The Xiga Fintech App, website and Xiga Fintech Services are owned and operated by Xiga Fintech and are being provided to you expressly subject to this Agreement. By accessing, browsing and/or using Xiga Fintech Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement and the Xiga Fintech Privacy Policy, which may be found by visiting the Xiga Fintech Privacy Policy, and that you agree to comply with all applicable laws and regulations.
In addition, by agreeing to this Agreement and the Xiga Fintech Privacy Policy, you also agree to Cybrid’s Privacy Policy, which may be reviewed by visiting https://www.cybrid.xyz/en/privacy-policy. The terms and conditions of this Agreement form an essential component of the arrangement between you and Xiga Fintech. This Agreement governs your use of the Xiga Fintech App and the Xiga Fintech Services.
This Agreement does not apply to Customer Account and Cardholder Agreement (the “Bank Services”), each of which are provided by Cross River Bank, Member FDIC (“Cross River Bank,”).
Please refer to the Cross River Bank deposit agreement for further information concerning the Bank Services and your privacy rights concerning the Bank Services. These may be accessed by visiting the Cross River Bank privacy policy. Cross River Bank is not a party to this Agreement and is neither responsible nor liable for the Xiga Fintech Services provided by Xiga Fintech or Cybrid pursuant to this Agreement or any other agreement you may have with Xiga Fintech.
Overview of Xiga Fintech Services:
By signing up for Xiga Fintech, you can apply for and gain access to financial services such as ACH and Wire Transfers, Instant RTP, Domestic Wires (Send/Receive), FX Rates and Conversion through Cross River Bank.
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