Terms and Conditions

These General Terms and Conditions ("Terms") govern your access to and use of Banky.io's payment services, including any websites, applications, APIs, and related interfaces operated by M&M Fintech Ltd ("Banky.io") or its affiliates (collectively, the "Services"). By using the Services, you confirm that you meet applicable eligibility requirements and agree to be bound by these Terms together with any product-specific terms presented at the time of onboarding.

Banky.io provides technology and processing infrastructure to facilitate payment transactions, merchant acquiring, and related financial services, subject to availability, compliance checks, and network conditions. Quotes, rates, and settlement timelines may vary based on payment method, jurisdiction, liquidity, and third-party providers. Banky.io may refuse, delay, or cancel transactions where required by law or risk controls.

You agree to provide accurate information and to complete identity and business verification when requested. Banky.io may suspend or terminate access where information is incomplete, inaccurate, or where activity presents legal or fraud risk.

Fees may apply as disclosed before you confirm a transaction. You are responsible for any taxes associated with your use of the Services.

To the fullest extent permitted by law, M&M Fintech Ltd (Banky.io) and its suppliers shall not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenues, goodwill, or data arising from your use of the Services.

Banky.io may update these Terms from time to time. Material changes will be communicated where required by law. Continued use after changes become effective constitutes acceptance of the revised Terms.