Terms of Service

These Terms of Service ("Terms") govern your access to and use of the EXFI website (exfi.app) and any services offered by EX Financial Solutions Ltd ("EXFI", "we", "us", "our"), a company registered in England and Wales under company number 17105188, with registered address at 128 City Road, London, EC1V 2NX, United Kingdom. By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please do not use this website. Payment services are provided by Gemba Finance Ltd (FCA FRN: 804853), not by EX Financial Solutions Ltd. Use of payment services is subject to separate terms agreed directly with Gemba Finance Ltd.

You must be at least 18 years of age and legally capable of entering into binding contracts to use our services. By using this website, you represent and warrant that you meet these requirements. Our services are intended for business customers only. Consumer accounts are not currently offered.

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others. You must not: • Use the site in any way that violates applicable local, national, or international laws • Transmit unsolicited commercial communications (spam) • Attempt to gain unauthorised access to any part of the website or its related systems • Introduce viruses, trojans, or other malicious code • Scrape, harvest, or collect data from the website without our prior written consent • Misrepresent your identity or affiliation with any person or entity

All content on this website — including but not limited to text, graphics, logos, icons, images, and software — is the property of EX Financial Solutions Ltd or its licensors and is protected by copyright, trademark, and other applicable intellectual property laws. EXFI is a trademark of EX Financial Solutions Ltd. Unauthorised use of our trademarks or branding is strictly prohibited. You may access, view, and print content from this website solely for your own personal, non-commercial use, provided you keep intact all copyright and proprietary notices.

This website and its content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that: • The website will be uninterrupted, secure, or error-free • Any information on the website is accurate, complete, or current • The website is free from viruses or other harmful components Nothing on this website constitutes financial, investment, legal, or tax advice.

To the fullest extent permitted by law, EX Financial Solutions Ltd shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this website or its content — even if we have been advised of the possibility of such damages. Our total aggregate liability to you in connection with these Terms shall not exceed £100. Some jurisdictions do not allow the exclusion or limitation of certain types of liability, so the above limitations may not apply to you.

This website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. The inclusion of a link does not imply our endorsement of the linked site or its operators.

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using this website, you consent to the processing of your data as described in our Privacy Policy. We use cookies in accordance with our Cookie Policy. You can manage your cookie preferences at any time via the cookie settings on this website.

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the website after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

These Terms are governed by the laws of England and Wales. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales. If you are a consumer based in the EU, you may also have the right to use the EU Online Dispute Resolution platform at ec.europa.eu/odr.

For any questions regarding these Terms: EX Financial Solutions Ltd 128 City Road London, EC1V 2NX United Kingdom Email: legal@exfi.co