Terms of Service

SikaRemit provides payment processing and money transfer services that allow users to:

• Send and receive domestic money transfers
• Process international remittances
• Make bill payments and utility payments
• Purchase airtime and data bundles
• Manage payment methods and accounts

To use our services, you must:

• Be at least 18 years old or the age of majority in your jurisdiction
• Have the legal capacity to enter into binding agreements
• Provide accurate and complete information during registration
• Maintain the security of your account credentials
• Comply with all applicable laws and regulations

You are responsible for:

• Maintaining the confidentiality of your account information
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Ensuring your contact information is current and accurate
• Complying with transaction limits and our risk policies

Fees and Charges

Transaction fees vary by service type, amount, and destination. All applicable fees will be displayed before you complete a transaction. Fees are non-refundable once a transaction has been processed.

Transaction Limits

We may impose daily, monthly, or per-transaction limits based on your account verification status, transaction history, and risk assessment.

Processing Times

• Domestic transfers: Instant to same-day
• International transfers: 1-5 business days
• Bill payments: Instant to 2 business days

You agree not to use our services for:

• Illegal activities or transactions
• Money laundering or terrorist financing
• Fraudulent or deceptive practices
• Violation of economic sanctions
• Gambling or high-risk merchant categories
• Transactions involving prohibited goods or services

Our services are provided "as is" without warranties of any kind. We do not guarantee uninterrupted service or error-free operation.

We are not liable for indirect, incidental, or consequential damages arising from your use of our services, to the maximum extent permitted by law.