Terms of service.

Who we are

gabis is a financial technology company, not a bank. Money remittance and banking services are provided by our licensed financial institution partners. Where those partners impose their own terms on an account or card, those terms apply alongside these.

Your account

You must give accurate information when you open an account and keep it current. You are responsible for your credentials and for activity carried out with them. We may ask you to verify your identity before raising limits, and we may limit or suspend an account where we are required to, or where we reasonably suspect fraud.

Using the services

You agree not to use gabis for anything unlawful, for payments you are not entitled to make, or in a way that puts our partners or other users at risk. We may refuse or reverse a transaction where we are legally required to do so, or where completing it would breach these terms.

Fees and rates

Fees are shown before you confirm a transaction. Conversion uses the mid-market rate at the moment you confirm, with the fee stated as a separate line rather than folded into the rate. We will tell you before any fee changes take effect.

Automation and approvals

Features that act on your behalf — payment reminders, collections calls, payday sweeps — only run within limits you set and only after you approve them. Nothing moves money without an explicit confirmation from you.

Liability

We take responsibility for our own failures and for money we hold incorrectly. We are not liable for losses caused by inaccurate details you supply, by your own device or credentials being compromised, or by events outside our reasonable control.

Closing your account

You can close your account at any time once your balance is settled. We will give you notice before closing an account ourselves, except where the law requires otherwise.

Changes and contact

We may update these terms; material changes are notified in the app before they take effect. Questions go to legal@gabis.app.