Legal
Last updated: July 2, 2026
Terms of Use
1. About XBridge
XBridge is a peer-to-peer opportunity matching platform that connects individuals and local agents who have complementary financial needs across borders. XBridge does not hold, transfer, move, or guarantee any funds at any time. XBridge is a technology intermediary only — similar to a classified ads marketplace.
2. What XBridge is not
XBridge is NOT a bank, money transfer operator (MTO), money services business, payment processor, remittance provider, or financial institution of any kind. XBridge does not execute, facilitate, or intermediate any financial transaction. Users independently find, contact, and arrange their own transactions. XBridge does not provide financial advice, exchange rate guarantees, or transaction insurance. All users transact entirely at their own risk and responsibility.
3. User responsibilities
By using XBridge, you represent and warrant that: (a) you are at least 18 years of age; (b) all funds you arrange to transfer are from legitimate, lawful sources; (c) your use of XBridge complies with all applicable laws in your jurisdiction, including laws governing currency exchange, cross-border transfers, and anti-money laundering (AML); (d) you are solely responsible for verifying the identity, legitimacy, and trustworthiness of any counterpart you connect with through XBridge; (e) once a connection is established through XBridge, you take full and sole responsibility for any arrangement, agreement, or transaction made with your counterpart.
4. User commitment on fund legitimacy
By posting a listing or initiating contact on XBridge, you explicitly confirm that: (a) the funds involved are not proceeds of criminal activity, fraud, tax evasion, or any illegal activity; (b) the transaction does not violate AML, CTF (counter-terrorism financing), or sanctions laws in any relevant jurisdiction; (c) XBridge bears no responsibility for any misrepresentation of fund sources by users. Any user found to be using XBridge to facilitate illegal financial flows will be immediately suspended and reported to relevant authorities.
5. Post-connection responsibility
XBridge's role ends at the point of connection. Once two parties have been connected through the platform: (a) XBridge has no involvement in, oversight of, or liability for any subsequent arrangement or transaction; (b) users are solely responsible for due diligence, negotiation, and settlement; (c) XBridge accepts no liability for any loss, dispute, or harm arising after connection is made.
6. Risk acknowledgment
Peer-to-peer financial matching involves inherent risk. XBridge strongly recommends starting with small amounts, verifying counterparties through multiple independent channels, and using escrow or trusted intermediaries for large transactions. XBridge accepts no liability for losses arising from transactions arranged through the platform.
7. Prohibited uses
You may not use XBridge for money laundering, fraud, financing of illegal activities, tax evasion, sanctions evasion, or any purpose prohibited by applicable law. XBridge reserves the right to suspend or terminate accounts suspected of misuse without prior notice.
8. Platform availability
XBridge is provided "as is" without warranty of any kind. We do not guarantee uninterrupted availability and may modify or discontinue features at any time.
9. Governing law
These terms are governed by applicable international laws and the laws of the jurisdiction in which the user resides. XBridge operates as a global technology platform. Disputes shall be resolved through good-faith negotiation first, and if unresolved, through binding arbitration under internationally recognized arbitration rules.
Privacy Policy
1. Information we collect
We collect information you provide when registering (email, name, account type, country) and information generated through use of the platform (listings posted, messages sent, login activity).
2. How we use your information
We use your information to operate the platform, match listings, send transactional emails, and improve our service. We do not sell your personal information to third parties.
3. Information visibility
Your listings are visible to all registered users. Your email and personal contact details are never shown publicly. Messages are private between the two parties in a conversation.
4. Data storage
Your data is stored securely on Supabase infrastructure hosted in the United States (AWS US-East). We use industry-standard security practices including row-level security and encrypted connections.
5. Email communications
By registering, you agree to receive transactional emails from noreply@xbridge.global, including email verification and important account notices. We do not send marketing emails without your explicit consent.
6. Cookies
XBridge uses essential cookies only — strictly necessary for authentication and platform functionality. We do not use tracking, advertising, or analytics cookies without your consent. You may disable non-essential cookies at any time through your browser settings or via our cookie consent banner.
7. Your rights (GDPR)
If you are in the European Union, you have the following rights: (1) Right to access your data. (2) Right to rectification. (3) Right to erasure. (4) Right to portability. (5) Right to object to processing. Contact: legal@xbridge.global. We respond within 30 days.
8. Contact
For privacy inquiries: legal@xbridge.global
Refund Policy
1. Subscription fees
XBridge charges subscription fees for access to premium platform features. These fees cover access to the platform only — not any financial transaction or outcome.
2. Refund eligibility
You may request a full refund within 7 days of your first subscription payment if you have not used any premium features. After 7 days, or after using premium features, subscription fees are non-refundable.
3. No refund for transaction outcomes
XBridge is a connection platform only. We do not refund subscription fees based on the outcome of any connection, arrangement, or transaction made between users. All peer-to-peer arrangements are the sole responsibility of the users involved.
4. How to request a refund
To request a refund, contact legal@xbridge.global within 7 days of payment with your account email and reason for refund. We respond within 5 business days.
5. Cancellation
You may cancel your subscription at any time. Cancellation takes effect at the end of your current billing period. No partial refunds are provided for unused time within a billing period.