Legal & Regulatory Notice
Effective Date: November 30, 2025
Last Updated: November 30, 2025
1. Corporate Information
KweGo Financial Technology Limited (“KweGo”, “we”, “us”, or “our”) is a financial technology company providing technology-enabled payment, foreign exchange, and money transfer services through licensed banking and payment partners.
KweGo is not a bank, does not accept deposits, and does not provide traditional banking services.
2. Corporate Incorporation & Presence
KweGo Financial Technology Limited is incorporated and operates through affiliated entities in multiple jurisdictions, including:
• Canada
• United States (State of Delaware)
• United Kingdom
• Ireland
• Nigeria
Operations and services are delivered in accordance with applicable local laws and through licensed and regulated third-party financial institutions where required.
3. Regulatory Status & Registrations
• Canada:
KweGo Financial Technology Limited is registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a Money Services Business (MSB).
MSB Registration Number: C100001035.
• Nigeria:
KweGo Financial Technology Limited is registered with the Special Control Unit against Money Laundering (SCUML) and compliant with the Nigeria Data Protection Commission (NDPC).
• United States (Delaware):
KweGo Financial Technology Limited is incorporated in the State of Delaware.
KweGo does not operate as a U.S. bank and does not currently offer regulated money transmission services in the United States except where delivered through appropriately licensed partners, where applicable.
• United Kingdom & European Union:
KweGo is incorporated and operates under a non-bank, non-deposit-taking fintech model, providing services through licensed and regulated banks and payment service providers.
Regulatory obligations vary by jurisdiction, and service availability is subject to local laws, partner approvals, and compliance requirements.
4. Nature of Services
KweGo provides:
• Technology platforms for cross-border payments and remittances
• Foreign exchange (FX) rate access and conversion
• SME and merchant payment facilitation
• Wallet orchestration and payout services via licensed partners
KweGo does not:
• Accept customer deposits as a bank
• Provide credit, lending, or investment services
• Offer financial, legal, or tax advice
5. Use of Licensed Banking & Payment Partners
All payment processing, settlement, safeguarding of funds, card processing, and regulated financial activities are performed by licensed banks and PCI-DSS compliant payment service providers.
KweGo integrates with these partners via secure APIs and does not store or process raw cardholder data.
6. Compliance, AML/CTF & Sanctions
KweGo maintains a comprehensive Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), sanctions screening, and fraud prevention framework, aligned with applicable regulatory requirements.
Customer due diligence (KYC/KYB), transaction monitoring, enhanced due diligence, and regulatory reporting are conducted as required. Transactions may be delayed, restricted, declined, or reported where legally mandated.
7. Data Protection & Privacy
KweGo processes personal data in compliance with applicable data protection laws, including:
• GDPR / UK GDPR
• NDPR / NDPC (Nigeria)
• PIPEDA (Canada)
For details on data handling practices, please review our Privacy Policy.
8. Risk Disclosure
Foreign exchange and cross-border payments involve inherent risks, including:
• Exchange rate fluctuations
• Compliance-related processing delays
• Third-party network or partner outages
Customers are responsible for ensuring their transactions comply with applicable laws in their jurisdictions.
9. No Advice Disclaimer
Information provided by KweGo is for general informational purposes only and does not constitute financial, legal, tax, or investment advice. Independent professional advice should be sought where appropriate.
10. Service Availability
KweGo reserves the right to modify, suspend, or discontinue services in any jurisdiction in accordance with legal, regulatory, or partner requirements.
11. Intellectual Property
All trademarks, software, content, and intellectual property displayed are owned by KweGo or its licensors and are protected under applicable laws.
12. Contact & Complaints
For support, regulatory inquiries, or complaints:
• Email: support@kwegofx.com | compliance@kwegofx.com
• Website: www.kwegofx.com
Complaints are handled in accordance with our Customer Complaints Management Framework and applicable regulatory timelines.
13. Updates to This Notice
This Legal & Regulatory Notice may be updated periodically. Continued use of KweGo services constitutes acceptance of the most current version.
