Terms and conditions

Introduction

VISANEX LIMITED, duly registered in Hong Kong. Money transfer operations are conducted by the Company pursuant to a LICENSE FOR MONEY SERVICE OPERATIONS (License № 78884082) granted by the CUSTOMS AND EXCISE DEPARTMENT.

The website visanex.io belongs exclusively to VISANEX LIMITED.

Accessing this platform means you accept the terms and conditions outlined here, as well as any updates made by VISANEX LIMITED periodically.

Services

VISANEX LIMITED operates under a Money Service Operator (MSO) license, enabling various financial services focused on currency exchange and remittances.

Key services covered by the MSO license:

• Currency Exchange: Offering buy/sell transactions for foreign currencies to clients.
• Remittance Services: Facilitating transfers to destinations beyond Hong Kong via bank wires or other secure methods.

All activities comply with oversight from the Hong Kong Customs and Excise Department, including anti-money laundering (AML) and counter-terrorist financing (CTF) protocols. The license ensures legal operations with mandatory customer verification and detailed record maintenance.

Registration and Account Creation

To begin using VISANEX LIMITED services, the Customer must complete registration in the System. VISANEX LIMITED reserves the right to decline new registrations without explanation, though decisions are always based on legitimate grounds not required to be shared.

Upon registration, a personal Account is generated for the Customer, accessible solely by its owner. This automatically opens an account with VISANEX LIMITED. Customers are limited to one Account only.

Age and Data Accuracy

VISANEX LIMITED serves individuals aged 18 and above; minors cannot access services.

The Customer warrants that all registration details are truthful and promises to update them accurately as needed. Any losses from false information fall on the Customer.

Identification Process

As outlined in the Agreement or System rules, Customers must verify their Account, approve new services, and complete identification before VISANEX LIMITED can proceed or resume operations. This safeguards both parties’ interests.

VISANEX LIMITED may request specific data/documents for verification, detailed in notifications. These could include originals, copies, or notarized versions.

Verification Details

• Locations, steps, terms, and costs for identification are specified [укажите ссылку на раздел с деталями идентификации].
• In certain cases (legal duties or document types), verification may occur at a [укажите название вашего сервисного центра, например: Customer Service Centre].
• Documents like contracts can be confirmed electronically (e.g., via stylus signature).

VISANEX LIMITED can demand extra details on Customers/transactions, pausing operations until provided. Customers must also fill/update a VISANEX LIMITED Customer Questionnaire. Non-compliance within the set timeframe may lead to service suspension or termination. Copies may need notarization/English translation, all at Customer’s cost.

Notifications of Account approval, new service starts, or resumptions come via email/SMS to the registered contact.

Corrections and Compliance

If data is incorrect, Customers must fix it promptly; multiple Accounts from errors require merging upon notification to VISANEX LIMITED. Violations can result in blocking, transaction invalidation, or reporting to authorities.

Account Opening

Under this Agreement, VISANEX LIMITED opens an Account for the Customer within the System for an unlimited duration.

This Account enables deposits, transfers, storage for remittances, local/international payments, incoming funds, purchases, and related money operations.

Fund Storage Methods

Customer funds are stored as Electronic Money issued by VISANEX LIMITED upon deposit or receipt into the Account — credited at face value, matching the incoming amount.

Customers can maintain multiple VISANEX LIMITED sub-accounts within their main Account for flexible use.

Funds can be withdrawn (redeemed) anytime at nominal value (unless restricted by Agreement terms), via Payment Order to banks, e-wallets supported by VISANEX LIMITED, or System methods. VISANEX LIMITED may impose limits for valid reasons; no extra redemption fees apply beyond standard transfer charges.

Account Closure and Refunds

Upon Agreement termination or service cessation, remaining funds transfer to a Customer-specified bank/e-payment account. VISANEX LIMITED deducts unpaid fees, fines from card networks/regulators, or breach-related losses. Disputed funds may be held until resolution.

If refund impossible due to external factors, Customers must promptly provide alternate details.

Payment Order Receipt

Payment Orders (as Payer) are received on submission day if during VISANEX LIMITED business hours; otherwise, next business day starts execution.

VISANEX LIMITED stores all Orders/transactions and can share with authorized parties as evidence.

Order Requirements and Refusals

Orders must be clear, executable, and compliant with laws/VISANEX LIMITED rules. VISANEX LIMITED isn’t liable for Customer errors in details. Deficient Orders may be rejected or executed as-is.

Refusal possible if doubts on authorization/documents/authenticity; extra verification (at Customer expense) may be required. This protects all parties — no liability for resulting delays/losses.

Customers ensure sufficient Account balance/currency. VISANEX LIMITED may demand source-of-funds proof pre-execution.

Third parties may assist execution; VISANEX LIMITED not liable for their halts but will investigate. Orders can be paused/stopped per law or uncontrollable factors.

Refusal notifications sent immediately (if feasible/allowed). No execution if funds seized or rights restricted.

Returned payments (due to errors/recipient issues) credit back minus original fees plus any VISANEX LIMITED refund costs.

Transfer Options

VISANEX LIMITED-initiated transfers can be urgent/standard if possible; Customers choose method, or System auto-selects optimal terms.

Restrictions

Note that not all VISANEX LIMITED products/services are available everywhere — they may face geographic limits and eligibility rules set solely by VISANEX LIMITED and visanex.io.

Prohibited Activities

Customers must not use VISANEX LIMITED services to:

• Breach this Agreement/Annexes, laws, or regulations (e.g., AML/CTF rules).
• Infringe VISANEX LIMITED or third-party IP rights (trademarks, copyrights, secrets).
• Submit false/misleading info to VISANEX LIMITED, or ignore reasonable requests.
• Spread inaccurate details about VISANEX LIMITED to others.
• Handle funds known/suspected as illegal.
• Cause losses, liabilities, or reputational harm to VISANEX LIMITED or others.
• Match restrictions listed on [укажите ссылку на список ограничений на вашем сайте] (Customer, reps, beneficiaries, transfers).
• Spread viruses or disrupt the System/equipment/data.
• Perform actions harming service delivery or System operation.
• Run unlicensed gambling/trading (shares, Forex, ETFs, etc.); trade banned goods (tobacco, drugs, weapons, porn, etc.).
• Deal in unregulated virtual currencies or via exchangers.
• Offer financial/trading services without VISANEX LIMITED written approval (or valid license under regulator oversight for gambling/lotteries).
• Hold multiple Accounts, use fake/alias names, or anonymous registration tools.
• Provide illegal or immoral services.
• Connect anonymously (except approved VPNs with static IP).
• Share security credentials (Passwords) with third parties.

Liability

Customers indemnify VISANEX LIMITED for direct damages, fines, or sanctions from their breaches.

Customers cover losses to VISANEX LIMITED, other users, or third parties due to misuse. Fake-document Accounts trigger a minimum €100 (or equivalent) unproven penalty; larger claims need proof. VISANEX LIMITED reports suspected crimes to authorities.

Confidentiality and Data Protection

The Parties commit to maintaining the confidentiality of each other’s technical and commercial information, excluding data already publicly available that came to their knowledge during Agreement execution, and agree not to share such details with third parties without prior written permission from the other Party or its authorized representatives.

The Customer consents to VISANEX LIMITED handling their Personal Data to deliver VISANEX LIMITED services and meet other duties under this Agreement. Both Parties will maintain robust security for all Personal Data acquired while fulfilling this Agreement.

The Customer pledges to keep confidential and never reveal any Passwords or other personalized security details created by them or supplied under this Agreement for Payment Instruments, nor permit others to access services pretending to be the Customer. Should the Customer violate this duty, fail to prevent it when possible, or act intentionally or with gross negligence, any Account access and service usage will be considered performed by the Customer themselves. In such scenarios, the Customer assumes complete responsibility for resulting losses and must reimburse any other parties harmed by these actions or oversights.

In cases where the Account Password or other credentials are lost by the Customer or exposed to third parties without fault from the Customer or VISANEX LIMITED, or if a genuine threat to the Customer’s Account emerges or could arise, the Customer must alert VISANEX LIMITED right away (no later than one calendar day) using the designated communication methods. VISANEX LIMITED holds no responsibility for outcomes if not informed promptly.

Once VISANEX LIMITED receives notice from the Customer, it will instantly limit access to the Customer’s Account and halt service provision until a fresh Password is issued or generated for the Customer.

VISANEX LIMITED reminds the Customer that the email tied to the VISANEX LIMITED Account, along with other linked methods (like mobile number) chosen by the Customer, act as channels for communication and/or Customer verification. Thus, the Customer must protect these channels and access credentials securely. The Customer alone bears responsibility for securing their email and other selected methods, plus Passwords for them. Passwords count as confidential info; any disclosure, plus all operations after entering the Customer’s Password for the Account or other Payment Facility, falls squarely on the Customer. VISANEX LIMITED advises memorizing Passwords rather than noting them down or storing in visible locations.

VISANEX LIMITED reserves the right to share all gathered key information about the Customer and their operations with law enforcement, government bodies, and financial entities if mandated by legislation or needed to check compliance with relevant laws and this Agreement.

The Customer authorizes VISANEX LIMITED, either directly or via third parties, to implement all required steps to validate the Customer’s identity and the correctness of other submitted data (including, but not limited to, targeted inquiries to external parties).

VISANEX LIMITED notes that, serving as the Customer’s Payment Service Provider in all instances, it does not directly offer or extend services to the Payee unless that Payee registers as a VISANEX LIMITED Customer.

VISANEX LIMITED may record phone conversations with the Customer. The Parties consent to using such call recordings, plus postal messages and other telecom methods (including email), as proof in settling disputes between the Customer and VISANEX LIMITED. The Customer confirms awareness and acceptance that VISANEX LIMITED can record any calls with the Customer and/or their representative without prior notice or alert. Conversely, the Customer may record calls and retain those recordings or correspondence for personal purposes.

Subject to Customer approval, their data can also transfer to entities offering payment initiation services and Account information services. VISANEX LIMITED can deny these entities Account access for valid, justified reasons tied to unauthorized or illicit access attempts, including improper Payment Transaction starts. In those situations, VISANEX LIMITED will notify the Customer of the denial and explain the rationale. This info will come before denial where feasible, or right after, unless it compromises security or violates law.

To safeguard VISANEX LIMITED’s legitimate interests, Customer data might be released to media outlets if the Customer approaches media without proper rights-protection channels and shares dispute details mismatched with VISANEX LIMITED’s records, thereby harming VISANEX LIMITED’s business standing.

Copyright and Trademark Information

This website might feature logos and trademarks belonging to third parties, and using them without the third party’s permission is strictly forbidden. Copyright laws safeguard all content on this site. Unauthorized use of any information from this website could lead to legal penalties.

Links to Other Websites

This platform may include hyperlinks to sites managed by third parties. VISANEX LIMITED offers these links purely as a convenience for visitors. Such external sites fall outside [Ваша компании] control, and VISANEX LIMITED bears no responsibility for their content. VISANEX LIMITED neither endorses nor supports the materials or information found on those third-party pages. Since content on linked sites can change without notice, VISANEX LIMITED cannot vouch for their accuracy or quality. VISANEX LIMITED disclaims any liability for losses, damages, or issues stemming from use of these links, including subpar products or services promoted there.

Tools and Calculators

This site could offer various tools and calculators. VISANEX LIMITED makes these available solely for user convenience and educational aims. VISANEX LIMITED provides no assurances about the calculators’ precision or output reliability. VISANEX LIMITED accepts zero responsibility for any harm or losses from using these tools and explicitly rejects all related liability.

No Warranties

All information on this site is supplied “AS IS” without any warranties, whether express or implied, including but not limited to implied guarantees of merchantability, suitability for a specific purpose, and non-infringement.

Under no circumstances will VISANEX LIMITED, its subsidiaries, affiliates, contractors, or their respective staff be held responsible in contract, tort, negligence, strict liability, or any other legal claim for direct, indirect, incidental, special, consequential, or punitive damages — such as lost profits, goodwill, usage, data, or other intangible harms (even if warned of the potential) — resulting from site use or inability to use it.

Changes

VISANEX LIMITED retains full authority to update these Terms of Use and adjust website content at any moment, without advance warning.

Final Provisions

Should a competent court deem any section of this Agreement invalid, that part will be revised only as much as needed to make it workable, while the rest stays fully operational and binding.

Each Party affirms possession of all required legal permits and licenses to carry out their duties under this Agreement.

Section and article headings serve merely for easy reference and cannot influence how the Agreement’s terms are interpreted.

Parties handle their own tax and financial duties to governments or others independently. VISANEX LIMITED won’t manage Customer tax calculations, payments, or obligations.

In every scenario, VISANEX LIMITED acts as a neutral contract partner with zero oversight or accountability for goods/services bought via its platform. It also disclaims any role in enforcing transaction terms between Customers and sellers, buyers, or other involved parties.

Customers can’t assign their rights or duties here to outsiders without VISANEX LIMITED’s prior written okay. Meanwhile, VISANEX LIMITED can freely pass on its rights and obligations to third parties anytime, as long as it complies with the law.

Even if one clause gets ruled invalid, all other terms keep their full power.

This Agreement appears in the System across multiple languages — it binds the Customer in whichever version they reviewed at signup.

Links to VISANEX LIMITED sites and service-specific Annexes form core elements of this Agreement, kicking in the instant a Customer starts that service.

Hong Kong law governs this Agreement entirely, with all related disputes falling under exclusive jurisdiction of Hong Kong state and federal courts. The winning side in any lawsuit gets to claim costs and legal fees. No single waiver of rights counts as a blanket pass — every one must be written. If a court nixes a term, it’ll be trimmed or dropped just enough to keep the Agreement alive and enforceable. Customers need written VISANEX LIMITED approval to transfer this Agreement (or pieces of it). VISANEX LIMITED can assign or shift it freely, fully or partly. All required notices come in writing, and changes demand signed documents from both sides.

Got questions? Reach VISANEX LIMITED at gk@visanex.io