Terms of Service

Welcome to Easy Financial Services. These Terms of Service ("Terms") form a legally binding agreement between you ("you," "user," "customer," or "client") and Easy Financial Services ("we," "our," or "us"), a licensed financial services provider authorized and regulated by the Central Bank of The Gambia to engage in money transfer and foreign exchange dealings. and bureau de change services.

By registering an account, accessing our website, mobile application, or using our services through our agents, you confirm that you have read, understood, and agree to these Terms. If you do not agree, please do not use our services.

1. Company Information and Licensing

Easy Financial Services is a limited liability company incorporated in The Gambia in 2014. We are authorized and regulated by the Central Bank of The Gambia under sections 65 and 66 of the CBG Act, 2018:

• Company Reference Number: 1413355854
• Companies Act Registration: 2014/C288
• Licensed to provide money transfer and foreign exchange services
• Operating under Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT) regulations

2. Service Overview

Easy Financial Services provides comprehensive financial services, enabling customers to:

• Send and receive money domestically and internationally
• Buy and sell foreign currencies
• Access bureau de change services
• Make payments via multiple methods including bank transfers, credit/debit cards, and mobile wallets
• Access services through our web platform, mobile application, or agent network
• Enjoy transparent foreign exchange rates and service fees

3. Eligibility Requirements

To use Easy Financial Services, you must:

• Be at least 18 years old
• Be a resident of The Gambia
• Have the legal capacity to enter binding contracts
• Provide accurate, complete, and current identification information
• Comply with all applicable local, national, and international laws
• Have a valid email address and phone number for account verification
• Not be listed on sanctions lists or prohibited persons databases

4. Account Access and Registration

To access and use our services, you must register and obtain valid credentials:

• Register on our web platform or mobile application with valid identification
• Obtain a valid username and password for account access
• Alternatively, visit our nearest agent location for in-person services
• Provide accurate customer information for transaction processing

5. Know Your Customer (KYC) Policy

Easy Financial Services implements a comprehensive Know Your Customer policy to protect against reputational risk and financial crimes. Our KYC policy includes:

KYC Objectives:

• Identify, verify, and monitor customer transactions
• Protect against money laundering and financial crimes
• Constitute an essential component of risk management
• Prevent illegitimate financial and business transactions
• Ensure compliance with regulatory requirements

6. Supported Payment Methods

All linked payment methods must be valid, active, and legally owned by the account holder. Invalid or disputed payment methods may result in service restrictions.

7. Foreign Exchange Services

Easy Financial Services is engaged in buying and selling foreign currencies. All foreign exchange transactions comply with AML/CFT regulations prescribed by the Central Bank of The Gambia and the Financial Action Task Force (FATF) standards.

8. Cancellation and Refund Policy

Refund Request Process:

Customers believing they are entitled to a refund must submit a formal refund request to our customer service department including:

• Transaction ID
• Transaction date
• Transaction amount
• Detailed reason for refund request

Cancellation Terms:

Following cancellation of a money transfer, we will refund your money less applicable charges within 10 days of your cancellation request, provided the funds have not been received or deposited into the recipient's account. All charges and risks following cancellation requests are the customer's liability.

9. Data Privacy and Protection

We collect personal data solely for service provision and regulatory compliance. The types of personal data we collect include:

• Full name as per identification documents
• Identification information including identification numbers
• Contact information (home address, phone number, email)
• Transaction details related to services provided
• Financial information necessary for transaction processing

10. Governing Law and Dispute Resolution

These Terms and Conditions are governed by the laws of The Republic of The Gambia. All disputes, claims, and disagreements arising from or relating to these Terms are subject to the exclusive jurisdiction of The Gambia courts.

11. Contact Information and Support