ONC FINA, also referred to as ONC Financial Group. This version is general-purpose and suitable for inclusion on your website. You should have this reviewed by legal counsel to ensure full compliance with applicable laws and regulations in your jurisdiction (e.g. Singapore and international finance laws).
Terms and Conditions
Effective Date: [Insert Date]
Welcome to ONC FINA, operated by ONC Financial Group ("we", "our", or "us"). These Terms and Conditions ("Terms") govern your access to and use of our website, wallet services, and related applications (collectively, the "Services"). By using our Services, you agree to comply with and be bound by these Terms.
If you do not agree to these Terms, please do not use the Services.
1. Eligibility
You must be at least 18 years old and capable of forming a binding legal contract to use ONC FINA. By registering an account, you confirm that all information provided is accurate and truthful.
2. Account Registration
To access certain features of the Services, you must create an ONC FINA wallet and complete identity verification (KYC) as required. You are responsible for maintaining the confidentiality of your login credentials and for all activity conducted through your account.
3. Know Your Customer (KYC) & Compliance
As a regulated financial platform, ONC FINA follows strict KYC (Know Your Customer) and AML (Anti-Money Laundering) policies. You agree to provide valid identification and documents when required and acknowledge that your account may be suspended or terminated for non-compliance.
4. Services Provided
ONC FINA offers the following services:
Digital wallet setup and management
Low-fee domestic and international transactions
Investment and return-earning features
Business and enterprise-level payment solutions
All services are subject to availability and may be updated or discontinued at our discretion.
5. Fees
We strive to maintain the lowest transaction fees in the industry. All applicable fees are transparently displayed prior to any transaction. ONC FINA reserves the right to adjust its fee structure with prior notice.
6. User Conduct
You agree not to use ONC FINA to:
Violate any applicable laws or regulations
Engage in fraud, money laundering, or other illegal activities
Infringe on the rights of others
Disrupt or attempt to interfere with our platform security or operations
7. Security
We implement bank-level security protocols, including encryption and multi-factor authentication. However, you are also responsible for securing your devices and account credentials. ONC FINA is not liable for losses resulting from unauthorized access caused by your negligence.
8. Limitation of Liability
ONC FINA shall not be held liable for:
Any indirect, incidental, or consequential damages
Loss of funds due to user error, third-party service providers, or system downtime
Unauthorized transactions not caused by our negligence
Our maximum liability under these Terms shall not exceed the amount paid by you to ONC FINA within the last 3 months.
9. Termination
We reserve the right to suspend or terminate your account at any time, with or without notice, if you violate these Terms or any applicable laws. You may also close your account at any time, subject to completion of all pending transactions and obligations.
10. Intellectual Property
All content, logos, trademarks, and software on the ONC FINA platform are the intellectual property of ONC Financial Group. You may not reproduce, distribute, or create derivative works without our written consent.
11. Privacy Policy
Your use of our Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your data. Please read it carefully.
12. Changes to Terms
ONC FINA reserves the right to modify these Terms at any time. Any changes will be posted on our website, and your continued use of the Services after such changes constitutes your acceptance of the updated Terms.
13. Governing Law
These Terms are governed by the laws of Singapore, without regard to conflict of laws principles. Any disputes will be subject to the exclusive jurisdiction of the courts of Singapore.