Terms and Conditions
Welcome to Capitafy, operated by Capitafy Holdings (“Capitafy,” “we,” “our,” or “us”). These Terms and Conditions ("Terms") govern your access to and use of our mobile application, website, and related services (the “Services”). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.
1. Eligibility
Our Services are available to individuals who are at least 18 years old. By using Capitafy you represent and warrant that you are 18 years of age or older. Capitafy is globally available; provided, however, that you remain responsible for complying with all local laws and regulations applicable to your use of the Services.
2. User Accounts
- You must provide accurate, current, and complete information when creating an account and keep it up to date.
- You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
- You must notify Capitafy immediately if you suspect any unauthorized use of your account or any other breach of security.
3. Acceptable Use & Prohibited Activities
You agree not to use the Services to engage in any unlawful, fraudulent, or harmful conduct, including but not limited to:
- Fraudulent, criminal, or illegal activities;
- Attempting to hack, probe, or gain unauthorized access to the Services or other users’ accounts;
- Sharing false or misleading financial information;
- Using the Services for money laundering or other illicit financial activities.
4. Financial Transactions & Payments
- Payments and transfers initiated through Capitafy are processed by third-party payment processors (banks, e-wallets, and other payment providers). Capitafy does not directly process most payment instrument transactions.
- Capitafy is not responsible for delays, errors, or failures caused by third-party payment systems.
- Any fees, charges, or transaction costs (if applicable) will be disclosed to you prior to completing a transaction.
- No refunds once invested: investments executed through the platform are final and non-refundable except where required by applicable law or stated otherwise in writing.
5. Third-Party Services
Capitafy integrates with third-party services, including but not limited to Google Sign-In, Firebase (authentication, hosting, analytics), and various payment processors. We may also link to external websites. Capitafy is not responsible for the policies, practices, or availability of third parties. Your use of third-party services is subject to the third parties’ terms and privacy policies.
6. Intellectual Property
All content, trademarks, trade dress, logos, designs, text, images, and other materials on the Services are the property of Capitafy Holdings or its licensors and are protected by intellectual property laws. You may not copy, reproduce, modify, distribute, publish, display, or create derivative works from any part of the Services without prior written consent from Capitafy Holdings.
7. Termination and Suspension
We reserve the right, at our sole discretion, to suspend or terminate your access to the Services (in whole or in part) and/or your account if you violate these Terms, engage in prohibited conduct, provide false information, or for any other reason permitted by law. We may also remove content that violates these Terms.
8. Liability Disclaimer
The Services are provided on an “as is” and “as available” basis. To the fullest extent permitted by applicable law:
- Capitafy makes no warranties, express or implied, regarding the availability, accuracy, completeness, reliability, or suitability of the Services.
- Trading and investments involve risks, including possible losses. Capitafy is not liable for any financial losses incurred by traders.
- Capitafy does not guarantee profits or any specific returns on investments.
- Capitafy is not liable for interruptions, errors, delays, or other issues caused by third parties, network providers, or events beyond our control.
9. Indemnification
You agree to indemnify, defend, and hold harmless Capitafy Holdings, its officers, directors, employees, agents, affiliates, and partners from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with: (a) your use of the Services; (b) your breach of these Terms; or (c) your violation of any law or the rights of a third party.
10. Changes to These Terms
We may revise these Terms from time to time. Revised Terms will be posted on our app and website. Continued use of the Services after changes are posted constitutes your acceptance of the updated Terms. We will not send separate email notices; please review the Terms on the app/website periodically.
11. Governing Law & Dispute Resolution
These Terms are governed by and construed in accordance with the laws of the Republic of the Philippines without regard to conflict of law principles. Any dispute arising out of or related to these Terms or the Services will be subject to the exclusive jurisdiction of the courts of the Philippines.
12. Miscellaneous
- If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect.
- These Terms constitute the entire agreement between you and Capitafy regarding the Services, and supersede any prior agreements.
13. Contact
If you have questions about these Terms, please contact us at:
Email: support.capitafy@gmail.com