Terms & Conditions

These Terms govern your use of VZro — a financial insights platform providing AI-powered analytics, budgeting, credit card tools, and cross-border insights.

1. About Our Services

• VZro provides financial insights, budgeting assistance, credit card tools and FX-related insights.
• VZro is not a bank or financial institution.
• We do not hold customer funds; payment processing is handled by licensed partners.
• AI suggestions are informational only and not financial advice.

2. Open Banking Access

• We use regulated Open Banking partners.
• Your banking credentials are not stored or processed by VZro.
• Retrieved data is used solely to provide insights and features.

3. Smart Payment Flows

• Card top-ups are processed through licensed partners.
• Payouts to bank accounts are executed via licensed partners.
• VZro does not custody your funds at any time.

4. FX Predictions & Insights

• FX insights use historical data and internal models.
• Accuracy or financial outcomes are not guaranteed.

5. AI-Generated Insights

• AI responses are automated and may be incomplete or inaccurate.
• AI suggestions do not constitute financial advice.
• Your financial decisions remain your responsibility.

6. Fees

• Top-ups may include a percentage fee, including a platform fee component.
• Subscription tiers may apply for premium features.

7. Limitation of Liability

• VZro is not liable for losses caused by third-party banking errors.
• VZro is not responsible for FX movements or market changes.
• VZro is not liable for incorrect or incomplete data received from partners.