Terms & Conditions

Last updated: January 27, 2026

These Terms and Conditions ("Legal Terms") govern your access to and use of Vzr0 Ltd’s services, including the Vzr0 mobile application, vzr0.com, and any related products or services (collectively, the "Services").

By using the Services, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must stop using the Services immediately.

1. About Our Services

• Vzr0 provides financial insights, budgeting tools, payment initiation, wallet functionality, and FX-related insights.
• Vzr0 is not a bank, credit institution, or investment firm and does not provide regulated financial, tax, or investment advice.
• Payments, transfers, and account connectivity are enabled via licensed third-party providers.
• Vzr0 does not hold or custody customer funds directly.
• Insights, forecasts, and AI-generated outputs are informational only.

2. Open Banking Access

• Banking data is accessed through regulated connectivity providers only with your authorisation.
• Vzr0 never stores your banking login credentials.
• Retrieved data is used solely to provide and improve the Services.

3. Payments & Wallet Services

• Card top-ups, wallet funding, and withdrawals are processed via licensed payment providers.
• Processing times and limits may depend on partner systems and regulatory requirements.
• Vzr0 may impose limits, delays, or additional verification requirements for risk management purposes.

4. FX Predictions & Insights

• FX insights are generated using historical and market data.
• We do not guarantee accuracy or performance of any FX-related output.
• You remain solely responsible for decisions made based on FX data.

5. AI-Generated Insights

• AI features rely on automated systems and may be incomplete or inaccurate.
• AI outputs do not constitute professional advice.
• You should verify important information independently.

6. Fees, Limits & Charges

• What you pay overall.When you add money to your Vzr0 wallet (a “top‑up”) using a payment card, the total amount charged to your card is made up of: (a) the amount added to your wallet balance, plus (b) fees for payment processing and Vzr0’s services, and (c) any payout or withdrawal fees (where applicable).
• Wallet top‑up amount.This is the amount you choose to add to your wallet (for example, £100). This entire amount is credited to your wallet balance once the transaction is completed, unless the transaction is reversed or refunded.
• Payment processing fee (card fee).Our payment providers charge a fee for processing card payments. This is typically a percentage of the top‑up amount plus a small fixed amount per transaction. The exact percentage and fixed amount depend on: (a) your card type (debit, credit, American Express or similar), (b) whether the card is domestic or international relative to your account country, and (c) the region your account is registered in (for example, the United Kingdom, European Economic Area, United States, Canada, Australia / New Zealand, Singapore, Malaysia, the United Arab Emirates, Hong Kong, India, or another supported country). These payment processing fees are passed through to you and are included in the total amount charged to your card.
• Vzr0 platform fee.We charge a small platform fee on each wallet top‑up to cover the cost of providing the Vzr0 app and related services. This fee is calculated as a percentage of your top‑up amount and may differ by region. For example, the platform fee percentage in the United Kingdom and European Economic Area may be lower than in certain other countries, such as the United States, Canada, Australia / New Zealand, Singapore, Malaysia, the United Arab Emirates, Hong Kong, India, or other supported regions. The exact platform fee applicable to your transaction is always shown in the app before you confirm.
• Payout / withdrawal fee.When you withdraw funds from your Vzr0 wallet to your bank account or payment card, we may apply a payout fee. This is typically calculated as a small percentage of the withdrawal amount, and may also reflect any fees charged by our payout / instant transfer partners in your country (for example, Faster Payments in the UK, SEPA / local bank rails in Europe, or instant debit card payouts in other regions). Any payout or withdrawal fee will be clearly displayed in the app before you confirm the payout.
• How fees vary by country and region.Our fee structure takes into account the underlying payment costs and local conditions in each country. In particular:
  • United Kingdom (GB) and European Economic Area (EU).Card processing and platform fees are generally lower for domestic debit and credit cards, with higher fees for American Express and international cards. Fixed per‑transaction amounts are typically denominated in GBP or EUR.
  • United States (US) and Canada (CA).Card processing and platform fees are generally higher than in the UK / EU and may differ between credit and debit cards, as well as for international cards. Fixed fees are typically denominated in USD or CAD.
  • Australia (AU) and New Zealand (NZ).Card and platform fees may be similar to North American levels, with specific fixed amounts in AUD or NZD, and higher pricing for certain card types and international transactions.
  • Singapore (SG), Malaysia (MY), United Arab Emirates (AE), Hong Kong (HK), and India (IN).Card processing and platform fees in these regions reflect local payment scheme pricing and currency. Fees may differ between domestic and international cards, and between card brands (including credit, debit, and premium cards).
  • Other supported countries.For other countries supported by Vzr0, we apply a default pricing structure that accounts for local card fees, currency, and regulatory requirements. Where your country is not explicitly listed above, the app will still show you the precise fees before you confirm any transaction.
• What you see in the app.Before you confirm any top‑up or withdrawal, the app will clearly show: (a) the amount going into or out of your wallet, (b) the payment processing fee, (c) the Vzr0 platform fee, and (d) any payout / withdrawal fee. By confirming the transaction, you authorise Vzr0 and its payment providers to charge the total amount shown and to deduct any applicable fees from the transaction amount or from your wallet balance, as applicable.
• Changes to fees.We may update our fees from time to time (for example, if our payment providers change their pricing, or due to regulatory or market changes). Updated fees will only apply to transactions initiated after the updated pricing is shown in the app or on our website.
• Wallet limits and monthly caps.We may apply funding limits, monthly top‑up caps, and maximum wallet balance thresholds to manage risk, comply with regulatory requirements, or meet partner conditions. Current limits (for example, a maximum total top‑up amount per month per wallet) are displayed in the app and may be updated from time to time.

7. User Responsibilities & Acceptable Use

• You must comply with all applicable laws.
• You must not use the Services for illegal activity, fraud, or abuse.
• Attempting to bypass security or misuse payment systems is strictly prohibited.

8. Fraud Prevention & Transaction Monitoring

• We implement automated fraud detection, risk scoring, and transaction monitoring systems.
• By using the Services, you consent to the collection of technical metadata including IP address, device identifiers, device model, operating system, and related security data.
• Transactions may be delayed, restricted, or cancelled if fraud or unauthorised activity is suspected.
• We may share relevant information with payment processors, banks, and authorities where required by law.

9. Chargebacks & Cardholder Disputes

• You agree to contact Vzr0 support before initiating a chargeback with your card issuer.
• We may recover disputed amounts from your account balance.
• We may suspend or terminate accounts involved in abusive chargebacks.
• Transaction records, IP logs, device metadata, and agreement confirmations may be shared for dispute resolution.
• False or abusive chargebacks may constitute fraud and result in legal action.

10. Suspension & Termination

We reserve the right to suspend, restrict, or terminate your access to the Services where we reasonably suspect fraud, regulatory risk, security concerns, or violations of these Terms.

11. Limitation of Liability

The Services are provided "as is" and "as available" without warranties of any kind.

To the maximum extent permitted by law, our total liability will not exceed the lower of: (a) the amount you paid us in the previous 12 months; or (b) £100.

12. Governing Law & Dispute Resolution

These Terms are governed by the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction unless otherwise required by mandatory consumer law.

13. Changes to These Terms

We may update these Terms from time to time. Continued use of the Services after changes take effect constitutes acceptance.

14. Contact Us

• Email: support@vzr0.com
• Company: Vzr0 Ltd, London, United Kingdom