Terms of Service

1. About Zeno

Zeno is an AI-powered banking assistant operated by The 36th Company Ltd (RC:9440452), registered in Nigeria. Zeno provides financial information, account connectivity, and payment facilitation services via WhatsApp and Telegram.

2. Eligibility

To use Zeno, you must:

• Be at least 18 years of age
• Be a resident of Nigeria with a valid Nigerian bank account
• Provide accurate identity information during registration
• Successfully complete our KYC (Know Your Customer) verification
• Have a valid WhatsApp or Telegram account

3. Account Registration & KYC

You must complete identity verification before accessing full account features. You agree to provide accurate, current, and complete information. We reserve the right to suspend or terminate accounts where false information is provided.

KYC verification is conducted by Stripe Identity. By registering, you consent to your identity documents being processed by Stripe.

4. Payment Services

Zeno facilitates payment instructions on your behalf via Flutterwave. All payments require explicit confirmation and PIN authorisation.

• You are responsible for ensuring payment details are correct
• We are not liable for payments made to incorrect account details you provide
• Nigerian bank transfers are processed via Flutterwave and typically arrive within minutes
• Daily payment limits apply and may be varied at our discretion

5. Open Banking

Zeno uses Open Banking via Mono to access your bank account data with your consent. This access is read-only for balance and transaction information. You can revoke access at any time by contacting us.

6. PIN Security

You are responsible for keeping your Zeno PIN confidential. Do not share your PIN with anyone, including Zeno support staff. We will never ask for your full PIN via any channel. Notify us immediately if you suspect your PIN has been compromised.

7. Acceptable Use

You must not use Zeno to:

• Process payments related to illegal activities
• Conduct money laundering or terrorist financing
• Circumvent CBN regulations or sanctions
• Send payments to sanctioned individuals or entities
• Use automated bots or scripts to interact with our service

8. Fees

Current fee information is available on our website. We will provide at least 30 days notice of any fee changes. Continued use after fee changes constitutes acceptance.

9. Liability

We are not liable for losses arising from:

• Incorrect payment details provided by you
• Unauthorised access due to PIN compromise by you
• System outages at third-party banks or payment processors
• Force majeure events beyond our reasonable control

10. Termination

You may close your Zeno account at any time by contacting us. We may suspend or terminate your account if you breach these terms, provide false information, or if required to do so by law or regulation.

11. Governing Law

These terms are governed by the laws of the Federal Republic of Nigeria. Any disputes shall be subject to the jurisdiction of Nigerian courts.

12. Contact

The 36th Company Ltd
Email: legal@joinzeno.co.uk
WhatsApp: +234 903 774 5486