Events
Privacy Policy
At LedgeFi, we prioritize the security and privacy of our customers and partners. This Privacy Policy outlines how we collect, process, store, and protect your data when you use our services. By using our platform, you agree to this policy and consent to the collection and use of your information as outlined.
LedgeFi Technologies Limited (LedgeFi) is committed to protecting the privacy of its visitors. This Privacy Policy provides our visitors with an overview of the measures we have taken to show our commitment to this policy. It describes how LedgeFi collects, uses, stores, shares, and protects your information whenever you use LedgeFi.io (the “LedgeFi site”).
User Information
When you use LedgeFi, we collect information sent to us through your computer, mobile phone, or other access devices. This includes personal data that you volunteer on forms that you submit to us and in emails that you send to us. In addition, we automatically gather details of browser types and IP addresses of the users who visit our site. We do not release this information to any outside party, except in suspected fraud cases.
If you create an account or use LedgeFi Services, we may collect the following types of information:
Contact information – your name, phone number, email address, date of birth and other similar information; and
Financial information – your full bank account and/or debit card details that you input when you use LedgeFi.
If you do not use LedgeFi Services, you may opt-out of providing this information. When you use LedgeFi, we collect information about your transactions and/or your other activities on our website and we may continuously collect information about your computer, mobile device, or other access devices for fraud prevention purposes, to monitor for possible breach of your LedgeFi Account, and to identify any malicious software or other activity that may harm LedgeFi or its users.
We use personal data for one or more of the following purposes:
- To verify your identity in accordance with Know Your Customer (KYC), Anti-Money Laundering (AML), and sanctions screening requirements;
- To manage and maintain your account with us;
- To prevent fraudulent or unauthorised use of our products and services;
- To better manage our business and your relationship with us;
- To improve our products and services, and to develop new products and services;
- To notify you about benefits and changes to the features of our products and services;
- To provide you with personalized advertising and marketing;
- To respond to your enquiries and to resolve disputes.
- Where necessary to protect our legal rights and interest, or the interests of others, we also use personal data in relation to legal claims, compliance, audit, risk management and regulatory functions. We may also use personal data in connection with the acquisition, merger or sale of a business.
You may choose to provide us with access to certain personal information stored by third parties such as social media sites (such as Facebook and Twitter). The information we have access to varies by site and is controlled by your privacy settings on that site and your authorization. By associating an account managed by a third party with your LedgeFi account and authorizing LedgeFi to have access to this information, you agree that LedgeFi may collect, store, and use this information in accordance with this Privacy Policy. Finally, we may collect additional information you may disclose to our customer support team.
Cookie Policy
What Are Cookies?
As is common practice with almost all professional websites this site uses cookies, which are tiny files that are downloaded to your computer, to improve your experience. This section describes what information they gather, how we use it and why we sometimes need to store these cookies.
How We Use Cookies
We intend to use cookies for a variety of reasons detailed below: We use cookies to collect data that helps us to:
track site usage and browsing and app behaviour;
allow you to sign in to your account and navigate through the website;
tailor our website’s functionality to you personally by letting us remember your preferences;
improve how our website performs;
allow third parties to provide services to our website;
monitor the effectiveness of our promotions and advertising; and
mitigate risk, enhance security and help prevent fraud.
We shall encode our cookies so that only we can interpret the information stored in them. You are free to decline our cookies if your browser or browser add-on permits, but doing so may interfere with your use of LedgeFi Services. Disabling cookies will usually result in also disabling certain functionality and features of the this site. The help section of most browsers or browser add-ons provides instructions on blocking, deleting, or disabling cookies.
Third Party Cookies
In some special cases we also use cookies provided by trusted third parties. This section details which third party cookies you might encounter through this site. We use Google Analytics, which is one of the most widespread and trusted analytics solution on the web, to help us understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content. For more information on Google Analytics cookies, see the official Google Analytics page.
As we may eventually sell products it’s important for us to understand statistics about how many of the visitors to our site actually make a purchase and as such this is the kind of data that certain cookies will track. This is important to you as it means that we can accurately make business predictions that allow us to monitor our advertising and product costs to ensure the best possible price. We intend to use several partners to advertise on our behalf and affiliate tracking cookies will simply allow us to see if our customers have come to the site through one of our partner sites so that we can credit them appropriately and where applicable allow our affiliate partners to provide any bonus that they may provide you for making a purchase. More Information If there is something you aren’t sure you need or not, it’s usually safer to leave cookies enabled in case it does interact with one of the features you use on our site. However, if you still need more information, please contact us.
Personal Information
Throughout this policy, we use the term personal information to describe information that can be associated with a specific person and can be used to identify that person. This Privacy Policy does not apply to personal information that has been anonymised so that it does not and cannot be used to identify a specific user. LedgeFi takes reasonable precautions, as described herein, to protect your personal information from loss, misuse, unauthorised access, disclosure, alteration, and destruction. Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customised experience.
We may use your personal information to:
- Provide LedgeFi Services and customer support you request;
- Process transactions and send notices about your transactions;
- Resolve disputes, collect fees, and troubleshoot problems;
- Prevent and investigate potentially prohibited or illegal activities, and/or violations of our posted user terms;
- Customise, measure, and improve LedgeFi Services and the content and layout of our website and applications;
- Deliver targeted marketing, service update notices, and promotional offers based on your communication preferences; and
- Verify your identity by comparing your personal information against third-party databases.
We will not use your personal information for purposes other than those purposes we have disclosed to you, without your permission. From time to time, we may request your permission to allow us to share your personal information with third parties. You may opt out of having your personal information shared with third parties, or from allowing us to use your personal information for any purpose that is incompatible with the purposes for which we originally collected it or subsequently obtained your authorisation. If you choose to so limit the use of your personal information, certain features or LedgeFi Services may not be available to you.
We store and process your personal and transactional information, including certain payment information, where LedgeFi facilities or our service providers are located, and we protect it by maintaining physical, electronic, and procedural safeguards in compliance with applicable laws. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfil their job responsibilities. Full credit card data is securely transferred and hosted off-site by a payment vendor in compliance with Payment Card Industry Data Security Standards (PCI DSS). This information is not accessible to LedgeFi staff.
We store our customers’ personal information securely throughout the life of the customer’s LedgeFi Account. LedgeFi will retain your personal information for a minimum of five years or as necessary to comply with our legal obligations or to resolve disputes.
Terms of Service
Website Terms of Use
Version 1.0
The TransferXO website located at https://transferxo.com is a copyrighted work belonging to LedgeFi Technologies Limited. Certain features of the Site may be subject to additional guidelines, terms, or rules, which will be posted on the Site in connection with such features.
All such additional terms, guidelines, and rules are incorporated by reference into these Terms.
These Terms of Use described the legally binding terms and conditions that oversee your use of the Site. BY LOGGING INTO THE SITE, YOU ARE BEING COMPLIANT THAT THESE TERMS and you represent that you have the authority and capacity to enter into these Terms. YOU SHOULD BE AT LEAST 18 YEARS OF AGE TO ACCESS THE SITE. IF YOU DISAGREE WITH ALL OF THE PROVISION OF THESE TERMS, DO NOT LOG INTO AND/OR USE THE SITE.
These terms require the use of arbitration Section 10.2 on an individual basis to resolve disputes and also limit the remedies available to you in the event of a dispute. These Terms of Use were created with the help of the Terms Of Use Generator.
Access to the Site
Subject to these Terms. Company grants you a non-transferable, non-exclusive, revocable, limited license to access the Site solely for your own personal, noncommercial use.
Certain Restrictions. The rights approved to you in these Terms are subject to the following restrictions: (a) you shall not sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Site; (b) you shall not change, make derivative works of, disassemble, reverse compile or reverse engineer any part of the Site; (c) you shall not access the Site in order to build a similar or competitive website; and (d) except as expressly stated herein, no part of the Site may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means unless otherwise indicated, any future release, update, or other addition to functionality of the Site shall be subject to these Terms. All copyright and other proprietary notices on the Site must be retained on all copies thereof.
Company reserves the right to change, suspend, or cease the Site with or without notice to you. You approved that Company will not be held liable to you or any third-party for any change, interruption, or termination of the Site or any part.
No Support or Maintenance. You agree that Company will have no obligation to provide you with any support in connection with the Site.
Excluding any User Content that you may provide, you are aware that all the intellectual property rights, including copyrights, patents, trademarks, and trade secrets, in the Site and its content are owned by Company or Company’s suppliers. Note that these Terms and access to the Site do not give you any rights, title or interest in or to any intellectual property rights, except for the limited access rights expressed in Section 2.1. Company and its suppliers reserve all rights not granted in these Terms.
Eligibility
You must be at least 18 years of age to use the Platform. By using the Platform, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into a contract.
Account Registration
In order to use the Platform, you must register for an account (“Account”). As part of the registration process, you will be required to provide certain personal information and verify your email address. You agree to provide accurate and complete information during the registration process and to update your information as necessary to keep it accurate and complete.
Use of the Platform
You agree to use the Platform only for lawful purposes and in compliance with all applicable laws and regulations. You may not use the Platform to engage in any fraudulent or illegal activity.
Transactions
You acknowledge and agree that all transactions on the Platform are final and irreversible. You also acknowledge that the value of cryptocurrencies can be highly volatile and may fluctuate rapidly. You are solely responsible for determining the appropriateness of your transactions and assume all risks associated with your use of the Platform.
Fees
You agree to pay all fees associated with your use of the Platform, including but not limited to transaction fees and withdrawal fees. The fees may change from time to time and we will provide notice of any changes.
Security
You are responsible for maintaining the security of your Account and any Private Keys associated with your Account. You should take all necessary steps to ensure that your Private Keys are kept secure and not shared with any unauthorized parties.
Intellectual Property
The Platform and all content and materials included on the Platform are the property of TransferXO or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not use any content or materials on the Platform for any commercial purpose without the express written consent of TransferXO.
Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the jurisdiction in which TransferXO is headquartered, without giving effect to any principles of conflicts of law.
Third-Party Links & Ads; Other Users
Third-Party Links & Ads. The Site may contain links to third-party websites and services, and/or display advertisements for third-parties. Such Third-Party Links & Ads are not under the control of Company, and Company is not responsible for any Third-Party Links & Ads. Company provides access to these Third-Party Links & Ads only as a convenience to you, and does not review, approve, monitor, endorse, warrant, or make any representations with respect to Third-Party Links & Ads. You use all Third-Party Links & Ads at your own risk, and should apply a suitable level of caution and discretion in doing so. When you click on any of the Third-Party Links & Ads, the applicable third party’s terms and policies apply, including the third party’s privacy and data gathering practices.
Other Users. Each Site user is solely responsible for any and all of its own User Content. Because we do not control User Content, you acknowledge and agree that we are not responsible for any User Content, whether provided by you or by others. You agree that Company will not be responsible for any loss or damage incurred as the result of any such interactions. If there is a dispute between you and any Site user, we are under no obligation to become involved.
You hereby release and forever discharge the Company and our officers, employees, agents, successors, and assigns from, and hereby waive and relinquish, each and every past, present and future dispute, claim, controversy, demand, right, obligation, liability, action and cause of action of every kind and nature, that has arisen or arises directly or indirectly out of, or that relates directly or indirectly to, the Site. If you are a California resident, you hereby waive California civil code section 1542 in connection with the foregoing, which states: “a general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor.”
Cookies and Web Beacons. Like any other website, TransferXO uses ‘cookies’. These cookies are used to store information including visitors’ preferences, and the pages on the website that the visitor accessed or visited. The information
Refund Policy
LedgeFi Technologies Limited
Last updated: 8th of January, 2026
1. General Policy
LedgeFi Technologies Limited (“LedgeFi”, “we”, “our”, or “us”) is a company incorporated in Nigeria and operates a technology platform that provides access to electronic financial and digital asset–related services to users in supported jurisdictions.
Due to the nature of digital assets, blockchain technology, and electronic financial services, most transactions conducted on the Platform are final, irreversible, and non-cancellable once initiated or completed.
Refunds are therefore strictly limited and will only be granted in the specific circumstances outlined in this Refund Policy, subject to applicable laws, regulatory requirements, and compliance obligations.
2. Regulatory and Legal Compliance
This Refund Policy is issued in compliance with applicable consumer protection, payment services, and financial regulations, including requirements relating to electronic payments, anti-money laundering (AML), counter-terrorism financing (CTF), sanctions compliance, and fraud prevention, as may apply to LedgeFi and its users.
Without limiting the foregoing, LedgeFi is subject to applicable Nigerian regulatory requirements.
Nothing in this policy excludes or limits any consumer rights that cannot be lawfully excluded under applicable law.
3. Scope of This Policy
This Refund Policy applies only to:
Fees charged for services provided through the Platform
Fiat payment processing errors attributable to LedgeFi
Platform-level technical or system failures
This policy does not apply to blockchain-level transactions, decentralized network activity, or market-driven outcomes beyond LedgeFi’s control.
4. Non-Refundable Transactions
The following transactions and circumstances are not eligible for refunds under any circumstances:
Blockchain transactions that have been successfully broadcast to or confirmed on a blockchain network
Losses arising from market volatility, price fluctuations, slippage, or liquidity conditions
Withdrawals or transfers sent to an incorrect wallet address supplied by the user
Losses resulting from compromised accounts, disclosure of credentials or private keys, phishing, hacking, malware, or user negligence
Fees paid for completed, partially completed, or successfully processed transactions
Account suspension or termination resulting from violations of our Terms of Service, KYC/AML requirements, or applicable laws
Delays, failures, or losses caused by third-party service providers, blockchain congestion, network outages, or force majeure events
By using the Platform, you acknowledge and agree that such transactions are final and irreversible.
5. Refundable Scenarios
Refunds may be considered, at LedgeFi’s sole discretion and subject to regulatory and compliance obligations, only in the following limited circumstances:
Duplicate charges resulting from a verified system or payment processing error
Incorrect fees charged due to a confirmed technical malfunction on the Platform
Failed transactions where funds were debited from the user and:
the intended service was not delivered, and
no corresponding blockchain transaction was initiated or completed
Submission of a refund request does not guarantee approval.
6. Refund Request Process
Refund requests must be submitted within seven (7) calendar days of the transaction date.
Requests should be sent to:
hello@ledgefi.com
Each request must include:
Registered email address
Transaction reference or ID
Date and amount of the transaction
A clear and accurate description of the issue
LedgeFi may request additional information or documentation to comply with applicable regulatory, KYC, AML, or sanctions requirements.
7. Review, Approval, and Decision
All refund requests are subject to:
Transaction verification
Internal technical and operational review
Fraud prevention, AML, and compliance screening
LedgeFi reserves the right to approve or decline any refund request in accordance with this policy and applicable law. Decisions, once communicated, are final unless otherwise required by law.
8. Refund Method and Timeline
Approved refunds will be issued only to the original payment method used for the transaction
Refund processing typically takes 5–10 business days, depending on banks, card networks, or payment service providers
Any applicable third-party fees or processing charges may be deducted where permitted by law
LedgeFi is not responsible for delays caused by financial institutions or payment processors
9. Chargebacks and Dispute Resolution
Users are encouraged to contact LedgeFi before initiating any chargeback or payment dispute.
Unresolved disputes may be handled in accordance with:
Applicable consumer protection laws
Card network chargeback rules
The dispute resolution and arbitration provisions set out in our Terms of Service
Initiating a chargeback without prior notice may result in temporary account suspension pending investigation.
10. Policy Updates
LedgeFi reserves the right to amend or update this Refund Policy at any time. Changes will take effect immediately upon publication on the Platform unless otherwise stated.
Continued use of the Platform constitutes acceptance of the revised policy.
11. Contact Information
LedgeFi Technologies Limited
1b Birrel Avenue, Onike, Yaba, Lagos, Nigeria 8 THE GREEN SUITE A DOVER, DELAWARE 19901, USA
hello@ledgefi.com
ANTI-MONEY LAUNDERING AND COUNTERING FINANCING OF TERRORISM (AML/CFT) POLICY
LedgeFi Technologies Limited (“LedgeFi”), a Nigerian-registered company (RC2000409), with its principal place of business at 1b Birrel Avenue Street, Onike, 101245, Yaba, Lagos, is committed to upholding the highest standards of Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT).
The purpose of this AML/CFT Policy is to prevent and mitigate the risks associated with money laundering and terrorist financing. To help the government combat the financing of terrorism and money laundering activities, the law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. We have an obligation to report suspicious client activity relevant to money laundering.
Money Laundering: The process of converting funds received from illegal activities (such as fraud, corruption, terrorism, etc.) into other funds or investments that appear legitimate to hide or distort the actual source of funds.
The money laundering process can be divided into three sequential stages:
• Placement. At this stage, the funds are turned into financial instruments, such as checks, bank accounts, and money transfers, or they can be used to buy high-value goods that can be resold. They can also be physically deposited in banks and non-bank institutions (eg exchange houses). To avoid suspicion on the part of the company, the bleach can also make several deposits instead of depositing the entire sum at once, this form of placement is called smurf.
• Layers. The funds are transferred or moved to other accounts and other financial instruments. It is done to disguise the origin and interrupt the indication of the entity that carried out the multiple financial transactions. Moving funds and changing their form makes it difficult to track the money that is being laundered.
•Integration. The funds are re-circulated as legitimate to purchase goods and services.
LedgeFi adheres to the principles of Anti-Money Laundering and actively prevents any action that targets or facilitates the legalization process of illegally obtained funds. The AML policy means preventing the use of the company’s services by criminals, with the objective of money laundering, terrorist financing or other criminal activity. To prevent money laundering, LedgeFi does not accept or pay in cash under any circumstances. The company reserves the right to suspend the operation of any client, which may be considered illegal or, in the opinion of the staff, related to money laundering.
Company procedures
LedgeFi will ensure that it is a real or legal person. LedgeFi also performs all the necessary measures in accordance with the applicable laws and regulations, issued by the monetary authorities. The AML policy is being met within FX of LedgeFi by the following means:
• know your client’s policy and due diligence
• monitor customer activity
• Registry mantenance
Know Your Customer – Due to the company’s commitment to AML and KYC policies, each company customer must complete a verification procedure. Before LedgeFi initiates any cooperation with the client, the company ensures that satisfactory evidence is presented or other measures are taken that produce satisfactory proof of the identity of any client or counterparty. The company also applies increased scrutiny to clients, who are residents of other countries, identified by credible sources as countries, who have inadequate AML standards or who may pose a high risk of crime and corruption and beneficial owners who reside in and whose funds are sourced from named countries.
Individual clients
During the registration process, each client provides personal information, specifically: full name; birthdate; country of origin; and full residential address. The following documents are required to verify personal information: A client submits the following documents (in case the documents are written in non-Latin characters: to avoid delays in the verification process, it is necessary to provide a notarized translation of the document in English ) due to KYC requirements and to confirm the indicated information:
• Valid passport (showing the first page of the local or international passport, where the photo and signature are clearly visible); or
• Driving license with photograph; or
• National identity card (showing the front and back);
• Documents proving current permanent address (such as utility bills, bank statements, etc.) containing the customer’s full name and place of residence. These documents should not be older than 3 months from the filing date.
Corporate clients
In the event that the applicant company is listed on a recognized or approved stock exchange or when there is independent evidence to show that the applicant is a wholly owned subsidiary or a subsidiary under the control of said company, no further steps will normally be taken to verify the identity. necessary. In the event that the company is not listed and none of the main directors or shareholders already has an account with LedgeFi, the following documentation must be provided:
• Certificate of incorporation or any national equivalent;
• Memorandum and Articles of Association and statutory declaration or any national equivalent;
• Certificate of good standing or other proof of the company’s registered address;
• Resolution of the board of directors to open an account and grant authority to those who will operate it;
• Copies of powers of attorney or other authorities granted by the directors in relation to the company;
• Proof of the identity of the directors in case they deal with LedgeFi on behalf of the Client (in accordance with the individual identity verification rules described above);
• Proof of identity of the final beneficiary (s) and / or the person (s) under whose instructions the signers of the account are empowered to act (in accordance with the rules of individual identity verification described above).
Tracking customer activity
In addition to collecting customer information, LedgeFi continues to monitor the activity of each customer to identify and prevent any suspicious transactions. A suspicious transaction is known as a transaction that is not consistent with the legitimate business of the customer or with the transaction history of the regular customer known by tracking customer activity. LedgeFi has implemented the named transactions monitoring system (both automatic and, if necessary, manual) to prevent criminals from using the company’s services.
Registry maintenance
Records must be kept of all transaction data and data obtained for identification purposes, as well as all documents related to money laundering issues (e.g. suspicious activity reporting files, AML account monitoring documentation , etc.). Those records are kept for a minimum of 7 years after the account is closed.
Measures Taken
In cases of an attempt to execute transactions that LedgeFi suspects are related to money laundering or other criminal activity, it will proceed in accordance with applicable law and report the suspicious activity to the regulatory authority.
LedgeFi reserves the right to suspend the operation of any client, which may be considered illegal or may be related to money laundering in the opinion of the staff. LedgeFi has full discretion to temporarily block the suspicious customer’s account or terminate a relationship with an existing customer. For more information you can contact us at hello@ledgefi.com.
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