Terms and Conditions

Welcome to Xoner Inc.. By accessing or using our services through the mobile application, smart ATMs, website, or other digital channels, you agree to the following Terms and Conditions.

1. Definitions

“Xoner” refers to Xoner Inc., with its registered office at [legal address].
“User” means any individual or legal entity that uses the mobile application, smart ATMs, or related services.
“Services” include: digital wallet, payments, transfers, currency exchange, cash withdrawals and deposits through partner points and smart ATMs.

2. Use of the Platform

The User must be of legal age and comply with local regulations.
Registration requires identity verification (KYC).
The User is responsible for keeping their access credentials confidential.
The use of the platform for illegal activities such as fraud, money laundering, or terrorist financing is strictly prohibited.

3. Financial Services

Wallet balances represent electronic money backed by bank accounts or authorized partners.
Cash withdrawals are subject to fees and daily limits established by Xoner.
Exchange rates for currency conversions are determined by the system in real time and may vary without prior notice.

4. Smart ATMs (Smart Kiosks)

ATMs installed by partner companies are part of the Xoner network, but their operation depends on each location’s availability.
The User may withdraw funds from their wallet or from third-party wallets connected through integration (e.g., Colombianísimas).
Deposits to bank accounts through ATMs are subject to validation by the receiving institution.

5. Xoner’s Responsibility

Xoner acts as a technology facilitator and not as a banking institution.
It is not responsible for failures in the banking network, third-party availability, or force majeure events.
In case of detected fraud, Xoner may block accounts, freeze funds, and report to competent authorities.

6. Limitation of Liability

Xoner does not guarantee uninterrupted availability of the platform.
The User assumes risks associated with internet connections, mobile devices, or third-party ATMs.
Xoner’s maximum liability towards the User shall not exceed the amount of fees charged in the last 3 months.

7. Data Protection

Xoner complies with applicable regulations on personal data protection (GDPR / Law 1581 in Colombia / CCPA in the U.S., as applicable).
Personal information will only be used for service provision, identity verification, and legal compliance.

8. Modifications

Xoner reserves the right to modify these Terms and Conditions at any time.
The User will be notified of important changes through the App or by email.

9. Governing Law

These Terms are governed by the laws of the State of Florida, U.S.A. (Xoner Inc.’s legal headquarters) and, in the case of local operations, also by the financial regulations of each country where the services are provided.

10. Legal Contact

For legal inquiries or claims, the User may contact:
📧 legal@xoner.com

1. Information We Collect

We may collect the following information:

Identification data: name, ID number, date of birth, nationality.
Contact data: phone number, email address, physical address.
Financial data: bank account number, payment card information (securely processed through third parties).
Transaction data: amounts, currencies, payment history, transfers, withdrawals, and deposits.
Technical data: IP address, device type, operating system, geographic location (when authorized by the user).

2. Use of Information

The information collected is used to:

Verify identity and comply with regulatory requirements (KYC/AML).
Process top-ups, payments, transfers, withdrawals, and deposits.
Improve the user experience in the App and at smart ATMs.
Send notifications related to operations, security, and updates.
Comply with legal obligations in the U.S., Colombia, and other countries where we operate.

3. Data Sharing

We may share personal information only in the following cases:

With financial and technology service providers (payment processors, banks, ATM network partners).
With competent authorities, in compliance with legal and regulatory obligations (e.g., anti-money laundering and counter-terrorism financing).
With third parties authorized by the user, when expressly requested (e.g., transfers to external wallets or banks).

We will never sell, rent, or share your information for unauthorized advertising purposes.

4. Information Security

We implement physical, electronic, and administrative security measures to protect data.
All sensitive information is encrypted using SSL/TLS protocols.
Account access is protected by biometric authentication (fingerprint/Face ID) or secure passwords.
In case of security incidents, we will notify the user and the relevant authorities.

5. Data Retention

Personal data will be retained as long as the account is active or necessary to provide services.
Once the account is closed, the information will be deleted or anonymized, unless required to be retained by law (e.g., financial and tax regulations).

6. User Rights

In accordance with applicable regulations, the User may:

Access their personal data.
Correct incorrect or outdated information.
Request deletion of their information (when there is no legal obligation to retain it).
Limit or reject the processing of their data for secondary purposes.
Exercise the right to data portability.

To exercise these rights, please write to privacy@xoner.com.

7. Cookies and Similar Technologies

On our website we may use cookies and similar technologies to:

Analyze platform usage.
Improve the user experience.
Remember language and session preferences.

The user can configure their browser to reject cookies, although some functions may not be available.

8. International Data Transfer

Since Xoner operates in different countries, personal information may be transferred and processed outside the user’s country of residence, always with the proper legal and contractual protection mechanisms.

9. Changes to the Privacy Policy

Xoner reserves the right to update this Privacy Policy at any time.
Changes will be notified in the application and on the website.

10. Contact

If you have questions or requests related to this Privacy Policy, you can contact us at: privacy@xoner.com.