Terms & Condition

Search Icon

Effective Date: [5th July,2023]

Please read these Terms and Conditions ("Terms") carefully before accessing or using the Cardex Platform ("Platform") provided by Cardex. By accessing or using the Platform, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you may not access or use the Platform.

Account Registration and Eligibility

Account Creation: To access and use the Platform, you must create an account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Eligibility: You must be at least 18 years old and have the legal capacity to enter into binding contracts to use the Platform. By using the Platform, you represent and warrant that you meet these eligibility requirements.

Use of the Platform

Compliance with Laws: You agree to use the Platform in compliance with all applicable laws, regulations, and these Terms. You are solely responsible for ensuring that your use of the Platform does not violate any laws or infringe upon the rights of others

Prohibited Activities: You must not use the Platform for any unlawful, fraudulent, or malicious purposes. Prohibited activities include, but are not limited to, unauthorized access, data scraping, reverse engineering, hacking, distributing malware, or engaging in any activity that may disrupt or interfere with the Platform's functionality.

Intellectual Property: The Platform and its contents, including but not limited to software, designs, logos, trademarks, and other intellectual property, are owned or licensed by Cardex. You agree not to modify, reproduce, distribute, or create derivative works based on the Platform without explicit written permission from Fintava.

Financial Services

Service Description: Cardex provides Bank-as-a-Service solutions to enable financial transactions and services. The availability and specific features of these services may vary and are subject to change. Cardex reserves the right to modify or discontinue any service without prior notice.

Accuracy of Information: While Cardex strives to provide accurate and up-to-date information, the Platform's content is provided for general informational purposes only and should not be considered financial advice. You are solely responsible for verifying the accuracy, completeness, and suitability of any information obtained through the Platform.

Third-Party Services: The Platform may allow access to third-party services or websites. Cardex is not responsible for the content, availability, or actions of these third-party services. Your use of such services is subject to their respective terms and conditions.

Data Privacy

Privacy Policy: Your use of the Platform is subject to Cardex's Privacy Policy, which describes how your personal information is collected, used, disclosed, and protected. By using the Platform, you consent to the collection and use of your information as described in the Privacy Policy.

Security: Cardex employs reasonable security measures to protect your information; however, no data transmission over the internet or electronic storage can be guaranteed as 100% secure. You acknowledge and accept the inherent security risks associated with using the Platform.

Limitation of Liability

Limitation of Liability: To the maximum extent permitted by law, Cardex and its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of the Platform, even if advised of the possibility of such damages.


Termination by User: You may terminate your account and cease using the Platform at any time by following the instructions provided on the Platform.

Termination by Cardex: Cardex reserves the right to suspend, restrict, or terminate your access to the Platform at any time and for any reason, including violation of these Terms or applicable laws.

Governing Law and Dispute Resolution

Governing Law: These Terms shall be governed by and construed in accordance with the laws of Nigeria, without regard to its conflict of law principles.

Dispute Resolution: Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in Nigeria, and you consent to the personal jurisdiction of such courts.


Entire Agreement: These Terms constitute the entire agreement between you and Cardex regarding the use of the Platform and supersede any prior agreements or understandings.

Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Waiver: The failure of Candex to enforce any right or provision under these Terms shall not constitute a waiver of such right or provision unless acknowledged and agreed to in writing.

By accessing or using the Platform, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions. If you do not agree with any part of these Terms, you may not access or use the Platform.

Our blog

Simplify your financial transactions all in one place with cardex mobile app

Article Image

Cardex launches bill payment on its platform

In our modern world, managing various financial transactions can be time consuming and complex. However, with Cardex mobile app you can effortlessly manage and pay for all your bills at no hidden or extra cost. Simplify your life by effortlessly handling electricity payment, data, airtime all in one convenient platform...

Article Image

How to perform Cardex to Cardex transfer with no charges or hidden fees

Article Image

Explore the benefits of using virtual dollar card on Cardex

Download today and get 2% Cashback

Cardex is available on Apple App Store and Google Play Store.

App StorePlay Store
Cash Back