By creating an account or using the Zypher Global platform, you declare that you have read, understood, and agree to these Terms of Use. If you do not agree, do not use the services.

A Zypher Global is a financial technology and infrastructure company. It is not a financial institution, payment institution, brokerage, or custodian. Regulated services are provided by authorized partner institutions supervised by the competent bodies in their jurisdictions.

• You must be over 18 and provide truthful, complete, and up-to-date information.
• You are responsible for keeping your credentials, PIN, and 2FA confidential.
• An account is personal and non-transferable; use by third parties is your responsibility.

To use the services, identity verification (KYC) is required. All operations are subject to Compliance, KYC, and anti-money laundering and counter-terrorism financing (AML/CFT) policies. We may request additional documents and hold or refuse suspicious operations.

It is forbidden to use the platform for illegal activities, fraud, money laundering, terrorism financing, or any purpose that violates applicable law or these Terms.

The fees applicable to deposits, withdrawals, and conversions are shown on the platform and may be updated. Continued use after changes implies acceptance of the new fees.

• Check the details of each transaction (amount, key, recipient) before confirming.
• Comply with your tax and legal obligations on the amounts transacted.
• Do not share credentials or allow third-party access to your account.

The platform is provided "as is". We are not liable for the unavailability of third parties, partner institutions, or networks, nor for losses arising from misuse, incorrect information provided by the user, or acts of God and force majeure.

Trademarks, logos, software, and content of the platform belong to Zypher Global or their respective owners and may not be used without authorization. PIX® is a registered trademark of the Central Bank of Brazil.

We may suspend or terminate accounts in the event of a violation of these Terms, suspected fraud, or legal requirement. You may close your account at any time at Account deletion.

We may update these Terms at any time; the current version is always available on this page. These Terms are governed by Brazilian law, and the courts of the user’s domicile are elected to settle disputes.

Questions about these Terms? Contact us at our support channels.

Cookies are small files stored on your device that help the platform work, remember preferences, and improve your experience.

• Essential: keep your session active, security, and basic functionality (cannot be disabled).
• Preferences: store language, theme, and other choices.
• Analytics: help us understand platform usage to improve it.
• Marketing: when applicable, measure campaigns and conversions.

We may use third-party services (such as analytics tools and conversion pixels) that set their own cookies, subject to the policies of their respective providers.

You can block or delete cookies in your browser settings. Note that disabling essential cookies may affect how the platform works.

KYC ("Know Your Customer") is the mandatory identity verification process to use the services. It protects you and the platform against fraud and misuse.

• Photo ID (RG, CNH) and CPF; for companies, CNPJ and details of the responsible person.
• Selfie or facial verification video (liveness check).
• Additional proofs when requested (address, source of funds).

• Registration with your basic details.
• Submission of documents through the app.
• Automatic and/or manual review by our team.
• Approval, pending (resubmission), or rejection, with status notice.

We may request periodic data updates and reject or limit accounts with inconsistent data, suspected fraud, or regulatory risk.

Submitted documents are processed in accordance with the Privacy Policy and Law No. 13.709/2018 (LGPD).

A Zypher Global maintains Anti-Money Laundering and Counter-Terrorism Financing (AML/CFT) policies in accordance with Law No. 9.613/1998 and the regulations of the Central Bank of Brazil.

Operations are continuously monitored. Atypical movements or those incompatible with the user profile may be analyzed, held, or blocked.

• Customer identification and verification (KYC) before operating.
• Enhanced due diligence for Politically Exposed Persons (PEP) and higher-risk operations.
• Assessment of the source and destination of funds when applicable.

Suspicious operations may be reported to the competent authorities (such as COAF) when required by law, and records are kept for the legal period.

We cooperate with authorities and regulators in combating financial crimes, subject to legal confidentiality.

We adopt technical and operational measures to prevent, detect, and respond to fraud, protecting users and the integrity of the platform.

Transactions are analyzed in real time. Risky operations may require additional verification, temporary limits, or preventive blocking.

• Authentication with PIN, 2FA, and device verification.
• Anti-fraud limits and rules configurable per account.
• Handling of disputes and refunds (including PIX MED).

• Protect credentials, PIN, and 2FA and do not share them.
• Check the details before confirming any transaction.
• Immediately report any suspicious activity.

Suspect fraud or misuse? Contact us at our support channels.