Legal

Terms & Conditions

Last updated September 10, 2026

These Terms & Conditions ("Terms") govern your access to and use of the Sendchrono website, mobile app and services — including money transfers, consultation bookings and cargo shipping (together, the "Services"). By creating an account or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

1. Who we are

Sendchrono ("we", "us", "our") provides cross-border money transfers between Nigeria (NGN) and Cameroon / CEMAC (XAF), along with related consultation and cargo services. You can contact us at help@sendchrono.com.

2. Eligibility & your account

You must be at least 18 years old and able to enter a binding contract. You agree to provide accurate, current information, to keep your password secure, and to be responsible for all activity under your account. We may refuse, suspend or close an account where required by law or where we reasonably suspect fraud or misuse.

3. Identity verification (KYC)

Because we operate a regulated financial service, you agree to complete identity verification when required, including providing a valid government ID and a selfie/liveness check. We may limit or pause your ability to transact until verification is complete, and we may set transaction limits based on your verification level and applicable regulations.

4. Name matching & payment source

To protect our customers and comply with anti-money-laundering requirements, every payment must originate from an account belonging to you:

• The name on your Sendchrono account must match the name on your verified identity document (KYC).
• Payments made by Mobile Money (XAF) must come from a Mobile Money number registered in that same name.
• Payments made by bank transfer (NGN) must come from a bank account held in that same name.

Payments received from a third party — an account or number registered to a different person — may be placed on hold pending additional verification, and may be refunded to the originating account, less any third-party costs. Repeated third-party payments may lead to limitation or suspension of your account.

5. Money transfers

• You are responsible for entering the correct recipient details (name, bank or Mobile Money number). Transfers sent to details you provided cannot always be reversed.
• The exchange rate and fee shown before you confirm apply to that transfer. Rates change with the market.
• In manual payment mode, your transfer is processed only after we confirm your payment has been received. You must send the exact amount and may be asked for proof of payment.
• Most transfers are delivered within minutes, but timing can depend on banks, Mobile Money operators and verification checks.
• If a transfer cannot be completed, we will refund the amount you paid, less any third-party costs already incurred where applicable.

6. Consultations & cargo

Consultation bookings are subject to availability and any fee shown at the time of booking. Cargo quotes are estimates based on the details you provide; final pricing, pickup, transit and delivery are subject to our cargo terms communicated at drop-off. You are responsible for the accuracy of cargo contents and for ensuring shipments are lawful. We may refuse prohibited, dangerous or illegal goods.

7. Fees

Applicable fees are shown before you confirm a transaction. You authorise us (and our payment partners) to collect the amount you send plus any disclosed fee. You are responsible for any charges your own bank or Mobile Money provider may apply.

8. Prohibited use

You agree not to use the Services for money laundering, terrorist financing, fraud, or any unlawful purpose; not to send money on behalf of an undisclosed third party; and not to provide false information. We are required to monitor for and report suspicious activity, and may freeze or reverse transactions and report to authorities where necessary.

9. Cancellations & refunds

Once a transfer has been paid out to a recipient it generally cannot be cancelled. Where a transfer has not yet been processed, contact us immediately and we will assist where possible. Refunds, where due, are returned using the original method where practical.

10. Your data

We handle your personal and financial data in line with our Privacy Policy, which forms part of these Terms. By using the Services you consent to that handling.

11. Service availability

We aim to keep the Services available but do not guarantee uninterrupted access. We may modify, suspend or discontinue features, and may carry out maintenance, at any time.

12. Liability

To the extent permitted by law, we are not liable for indirect or consequential losses, or for losses arising from inaccurate recipient details you provided, delays caused by third parties (banks, Mobile Money operators, payment partners), or events beyond our reasonable control. Nothing in these Terms excludes liability that cannot lawfully be excluded.

13. Changes to these Terms

We may update these Terms from time to time. The "Last updated" date shows when they last changed, and continued use of the Services after a change means you accept the updated Terms.

14. Contact

Questions about these Terms? Email help@sendchrono.com or reach us through the Sendchrono app or website at www.sendchrono.com.