{"id":519,"date":"2026-04-09T02:25:39","date_gmt":"2026-04-09T02:25:39","guid":{"rendered":"https:\/\/paybixi.com\/?page_id=519"},"modified":"2026-04-09T02:37:02","modified_gmt":"2026-04-09T02:37:02","slug":"terms-conditions","status":"publish","type":"page","link":"https:\/\/paybixi.com\/index.php\/terms-conditions\/","title":{"rendered":"Terms & Conditions"},"content":{"rendered":"\t\t
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Regulatory Information<\/h3>

Belmoney S.A., with registered office at Avenue Louise 54, 1050 Ixelles, Belgium, and company number 0540.745.997 RPM Brussels, is an authorized payment institution supervised by the National Bank of Belgium (NBB) under Directive (EU) 2015\/2366 on payment services (PSD2).<\/p>

Belmoney is also subject to Belgian and EU legislation on Anti-Money Laundering and Counter Terrorist Financing (AMLD), the General Data Protection Regulation (GDPR – Regulation (EU) 2016\/679), and applicable consumer protection laws.<\/p>

Definitions<\/h3>

For the purposes of this Agreement:<\/p>

  • \u201cAgreement\u201d<\/b> means these Terms & Conditions, together with the Privacy Policy and Cookie Policy.<\/p><\/li>

  • \u201cBelmoney\u201d<\/b>, \u201cwe\u201d, \u201cus\u201d, or \u201cour\u201d refers to Belmoney S.A.<\/p><\/li>

  • \u201cCustomer\u201d<\/b>, \u201cyou\u201d, or \u201cyour\u201d refers to the individual using Belmoney’s Services.<\/p><\/li>

  • \u201cServices\u201d<\/b> means money transfer, foreign exchange, Remittance as a Service (RaaS), correspondent activities (the HUB), and online remittance via the \u201cPayBixi\u201d<\/b> app.<\/p><\/li>

  • \u201cTransaction\u201d<\/b> means a payment order executed by Belmoney on behalf of a customer.<\/p><\/li>

  • \u201cSender\u201d<\/b> means the person instructing Belmoney to send money.<\/p><\/li>

  • \u201cBeneficiary\u201d<\/b> means the person designated to receive the funds.<\/p><\/li>

  • \u201cFunding Instrument\u201d<\/b> means a debit card, credit card, or bank transfer used to pay for a Transaction.<\/p><\/li>

  • \u201cBusiness Day\u201d<\/b> means any day banks in Belgium are open for business, excluding weekends and public holidays.<\/p><\/li>

  • \u201cHigh-Risk Country\u201d<\/b> means a jurisdiction designated as high-risk by the EU, FATF, or Belgian authorities.<\/p><\/li>

  • \u201cRestricted Activities\u201d<\/b> means activities prohibited under Section 7.3.<\/p><\/li><\/ul>

    1. OUR AGREEMENT WITH YOU<\/h3>

    1.1 Parties Involved:<\/b> These Terms and Conditions (\u201cAgreement\u201d) govern your use of the online payment services provided by Belmoney SA (\u201cBelmoney\u201d, \u201cwe\u201d, \u201cus\u201d, \u201cour\u201d), a payment institution authorized and supervised by the National Bank of Belgium registered at Avenue Louise 54, 1050 Ixelles, Belgium, company number 0540.745.997. By creating a Profile and\/or using the Services, you agree to be bound by this Agreement.<\/p>

    1.2 Related Documents:<\/b> This Agreement should be read together with our Privacy Policy and Cookie Policy (together, the \u201cPolicies\u201d). The Policies describe how we process personal data and use cookies and similar technologies.<\/p>

    1.3 Access to this Agreement and Policies:<\/b> The current versions of this Agreement and the Policies are available on our website\/app. Please download and keep a copy. We may update them in accordance with Section 18.<\/p>

    1.4 Acceptance of Terms:<\/b> You accept this Agreement by ticking to accept during registration or before initiating a transaction, or by continuing to use the Services.<\/p>

    2. OUR SERVICES<\/h3>

    2.1 Money Transfers:<\/b> The Services enable customers resident in the EEA (and other supported locations listed on our website) to send funds to a Beneficiary via supported payout methods in designated corridors.<\/p>

    2.2 Intended Use:<\/b> The Services are intended for personal, consumer use (peer-to-peer and family support). Use for commercial payments or for persons you do not know or trust is not permitted unless explicitly allowed by Belmoney.<\/p>

    3. GETTING STARTED AND USING OUR SERVICES<\/h3>

    3.1 Profile Creation<\/strong><\/p>

    You must create a Profile to use the Services. A Profile is not a bank or payment account and does not hold funds.<\/p>

    3.2 Registration<\/strong><\/p>

    You must provide accurate information and complete KYC as required (see Section 8). You may need to create security credentials and install our app.<\/p>

    3.3 Individual Use<\/strong><\/p>

    You must act on your own behalf and not on behalf of others.<\/p>

    3.4 Keep information up to date<\/strong><\/p>

    You must keep your details (including residency address) accurate and up to date and promptly notify changes. Changes in residency may affect eligibility and applicable terms.<\/p>

    3.5 Eligibility<\/strong><\/p>

    To use the Services, you must: (a) accept this Agreement; (b) be 18+; (c) be resident in a supported country (as listed on our website); and (d) complete identity verification and other checks.<\/p>

    3.6 Restricted Persons and Territories<\/strong><\/p>

    You may not use the Services if you are subject to sanctions or in jurisdictions we do not support. We may apply enhanced due diligence or decline transactions involving high-risk jurisdictions consistent with AML\/CFT laws (see Section 7.2).<\/p>

    3.7 Single Profile<\/strong><\/p>

    You may hold one Profile. We may limit multiple emails or instruments linked to a single individual.<\/p>

    4. SENDING MONEY<\/h3>

    4.5 Transaction execution time (indicative):<\/b> Execution depends on corridor, payout method, bank cut-offs, controls, and time zones. Estimated times will be shown before you confirm.<\/p>

    • Brazil Account Deposit<\/b> – Immediately<\/p><\/li>

    • Brazil PIX<\/b> – Immediately<\/p><\/li>

    • International Account Deposit<\/b> – Same day if made during the day. Operations after 16:00 PM (CET) paid next day.<\/p><\/li>

    • e-Wallet Deposits<\/b> – 3 hours<\/p><\/li>

    • Cash pick-ups<\/b> – Available immediately<\/p><\/li>

    • Home delivery<\/b> – 24h<\/p><\/li><\/ul>

      5. PAYING FOR OUR SERVICES AND CURRENCY EXCHANGE<\/h3>

      5.4 Currency conversion & exchange rates:<\/b> Where currency conversion applies, we will display the exchange rate before you confirm. Belmoney, acting as Merchant of Record and principal under IFRS 15, records gross revenue and may earn a spread on FX. If there is any discrepancy, we will correct it and arrange reimbursement.<\/p>

      6. RECEIVING MONEY<\/h3>

      6.1 Service providers<\/strong><\/p>

      Funds are made available to Beneficiaries through Belmoney’s network of local banks, financial institutions, and authorized agents (\u201cService Providers\u201d). Service Provider locations, hours, and availability may vary. Funds not collected within 60 calendar days are cancelled and refunded to the Sender (less applicable fees).<\/p>

      6.2 Verification<\/strong><\/p>

      Beneficiaries must present valid government identification and any reference number provided by Belmoney or its Service Providers. Service Providers may impose additional verification requirements in compliance with local regulations.<\/p>

      7. IMPORTANT SERVICE RESTRICTIONS<\/h3>

      7.1 Right to refuse transactions<\/strong><\/p>

      Belmoney may refuse or suspend any Transaction to protect Customers, comply with regulatory obligations, or mitigate risk.<\/p>

      7.2 High-risk countries<\/strong><\/p>

      Transactions involving High-Risk Countries are subject to enhanced due diligence. Belmoney may suspend, delay, or refuse such Transactions at its sole discretion.<\/p>

      7.3 Restricted activities<\/strong><\/p>

      Customers may not use Belmoney Services for illegal purposes, gambling, controlled substances, adult content, or other prohibited activities.<\/p>

      7.4 Actions we may take<\/strong><\/p>

      Belmoney may:<\/p>

      • Suspend or terminate Profiles.<\/li>
      • Delay, cancel, or reverse Transactions.<\/li>
      • Report suspicious activity to authorities.<\/li><\/ul>

        Customers will be notified where legally possible.<\/p>

        8. DATA PROTECTION AND PRIVACY<\/h3>

        8.1 Privacy and Cookie Policies:<\/b> Processing of personal data is governed by Belmoney’s Privacy and Cookie Policies, available on our website.<\/p>

        9. ERROR, CANCELLATIONS, AND REFUNDS<\/h3>
        • Error Resolution:<\/strong>\u00a0Customers must notify Belmoney promptly of any unauthorized or incorrect Transaction within 13 months.<\/li>
        • Cancellation:<\/strong>\u00a0Transactions may be cancelled before completion. Completed Transactions are non-refundable, except where required by law.<\/li>
        • Refunds:<\/strong>\u00a0Refunds are credited to the original Funding Instrument. Exchange rate differences will not be compensated.<\/li>
        • Tracing Payments:<\/strong>\u00a0Customers may request payment traces within the EEA.<\/li><\/ul>

          10. AGREEMENT DURATION AND TERMINATION<\/h3>
          • Cooling-Off Period:<\/strong>\u00a0Customers may cancel this Agreement within 14 days of acceptance without penalty.<\/li>
          • Termination:<\/strong>\u00a0Either party may terminate the Agreement with one month’s written notice.<\/li>
          • Post-Termination:\u00a0<\/strong>Belmoney may retain Customer data as required by law.<\/li><\/ul>

            11. INTELLECTUAL PROPERTY<\/h3>

            Belmoney owns all intellectual property rights related to its Services, trademarks, and software. Customers are granted a limited, non-exclusive, revocable license to use PayBixi’s<\/b> app and website for personal, non-commercial use.<\/p>

            12. DISCLAIMERS<\/h3>
            • Services may occasionally be unavailable due to maintenance or regulatory obligations.<\/li>
            • Belmoney is not responsible for disputes between Customers and third-party merchants.<\/li>
            • While Belmoney applies security measures, it cannot guarantee absolute protection from unauthorized access.<\/li><\/ul>

              13. CUSTOMER RESPONSIBILITY FOR LOSSES<\/h3>

              Customers are responsible for losses caused by:<\/p>

              • Breach of this Agreement.<\/li>
              • Misuse of Services.<\/li>
              • Fraudulent or negligent activity.<\/li><\/ul>

                14. BELMONEY’S LIABILITY<\/h3>

                14.1 General Responsibility<\/strong><\/h6>

                We are liable for foreseeable loss and damage caused by our failure to comply with this Agreement or to use reasonable care and skill. We aren’t responsible for unforeseeable loss or damage, or loss caused by your breach or fraudulent actions.<\/p>

                14.2 Defective Digital Content<\/strong><\/h6>

                Paid Digital Content: If supplied for a fee, we’re liable for ensuring it’s of satisfactory quality, fit for purpose, matches description, and without a general claim that we lack the right to supply it. Remedies may include repair, replacement, or compensation, subject to Agreement terms. Damage to Device: We will repair damage or compensate if defective digital content damages your device due to our failure to use reasonable care and skill. Exceptions exist if damage could be avoided by applying a free update, not following instructions, or not meeting system requirements.<\/p>

                14.3 Exceptions to Liability Limits<\/strong><\/h6>

                Our liability is limited except in cases involving death, personal injury, fraud, or fraudulent misrepresentation. In these instances, we acknowledge our legal responsibilities as required by applicable law.<\/p>

                14.4 Exclusion of Certain Losses<\/strong><\/h6>

                We aren’t liable for business-related losses or losses from our disbursement partners. Our services are for domestic and private use.<\/p>

                14.5 Compliance, Act of God and Force Majeure<\/strong><\/h6>

                We shall not be held liable for any losses or damages arising from our compliance with legal and regulatory obligations or due to ‘Events Outside Our Control.’ These events are unforeseeable and beyond our reasonable control, and may include occurrences such as strikes, natural disasters, and significant network disruptions.<\/p>

                14.6 Definition of Act of God and Force Majeure<\/strong><\/h6>

                Events Outside Our Control’ are defined as extraordinary events or circumstances beyond our reasonable control. These may encompass, but are not limited to, severe weather conditions, epidemics, pandemics, unavoidable technical failures, and essential system maintenance.<\/p>

                15. DISPUTE RESOLUTION AND GOVERNING LAW<\/h3>

                15.1 Dispute Resolution:<\/b> Customers are encouraged to first report concerns directly to the Company.<\/p>

                • Contact Support:<\/b> support@bel.money<\/p><\/li>

                • Compliance\/Escalation:<\/b> compliance@bel.money<\/p><\/li>

                • Alternative Dispute Resolution:<\/b> Unresolved disputes may be referred to Ombudsfin (Belgium)<\/b>.<\/p><\/li><\/ul>

                  15.3 Governing Law:<\/b> The terms and conditions of use for PayBixi<\/b> online services shall be governed by and construed in accordance with Belgian law.<\/p>

                  16. CUSTOMER SECURITY OBLIGATIONS<\/h2>

                  16.2 User obligations for safe usage:<\/b><\/p>

                  • Safekeeping:<\/b> Users are responsible for safeguarding Funding Instruments and Security Credentials.<\/p><\/li>

                  • Device Security:<\/b> Devices used for PayBixi’s<\/b> Services should have virus checks and firewall protection.<\/p><\/li>

                  • Biometric access:<\/b> PayBixi<\/b> may offer biometric functionality (e.g., fingerprint). Users must ensure only their biometric info is registered on the device.<\/p><\/li>

                  • Phishing Emails:<\/b> Users should forward any fake (phishing) emails purportedly from PayBixi<\/b> to compliance@bel.money.<\/p><\/li><\/ul>

                    17. CHANGES TO SERVICES AND AGREEMENT<\/h2>

                    17.1 Changes to the services:<\/b> PayBixi<\/b> may introduce additional service functionalities or adjust for reasons such as software maintenance.<\/p>

                    17.4 Notification of changes:<\/b> Changes are communicated by posting the revised Agreement on PayBixi’s<\/b> website and\/or app.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

                    Regulatory Information Belmoney S.A., with registered office at Avenue Louise 54, 1050 Ixelles, Belgium, and company number 0540.745.997 RPM Brussels, is an authorized payment institution supervised by the National Bank of Belgium (NBB) under Directive (EU) 2015\/2366 on payment services (PSD2). Belmoney is also subject to Belgian and EU legislation on Anti-Money Laundering and Counter […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-519","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/paybixi.com\/index.php\/wp-json\/wp\/v2\/pages\/519","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/paybixi.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/paybixi.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/paybixi.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/paybixi.com\/index.php\/wp-json\/wp\/v2\/comments?post=519"}],"version-history":[{"count":7,"href":"https:\/\/paybixi.com\/index.php\/wp-json\/wp\/v2\/pages\/519\/revisions"}],"predecessor-version":[{"id":526,"href":"https:\/\/paybixi.com\/index.php\/wp-json\/wp\/v2\/pages\/519\/revisions\/526"}],"wp:attachment":[{"href":"https:\/\/paybixi.com\/index.php\/wp-json\/wp\/v2\/media?parent=519"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}