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Service Policy

Last Updated: November 2025

Welcome to Bankilx.
This Service Policy explains how we deliver, manage, and support our digital financial services, including wallets, cards, gift cards, mobile recharges, and donation features.
By using our services, you agree to this policy along with our Terms of Service and Privacy Policy.

1. Overview

Bankilx provides users with a unified digital platform to:

  • Store and manage electronic funds securely.

  • Make payments, transfers, and purchases.

  • Use virtual and physical cards for online and in-store transactions.

  • Purchase digital gift cards and mobile top-ups.

  • Donate to approved non-governmental organizations (NGOs).

All services are powered by regulated financial partners and payment processors to ensure security, compliance, and transparency.

2. Service Availability

  • Bankilx operates 24/7, except during scheduled maintenance or unexpected system downtime.

  • Some services (e.g., card issuance or international transfers) may be subject to country restrictions or regulatory approval.

  • We continuously monitor our systems to ensure high uptime and performance.

3. Account and Identity Verification

To ensure user safety and compliance with Anti-Money Laundering (AML) and Know Your Customer (KYC) laws:

  • All users must provide valid identification and contact details.

  • We may request additional verification before enabling certain features (e.g., transfers or card creation).

  • Failure to complete verification may limit or suspend your account access.

4. Wallet and Payment Services

  • Your wallet allows you to store funds, send payments, and receive transfers.

  • All transactions are processed through licensed financial partners.

  • Wallet balances are not interest-bearing.

  • Transaction limits, processing times, and fees may vary by region and payment method.

  • Bankilx reserves the right to delay or block transactions suspected of fraud or non-compliance.

5. Digital Gift Cards & Recharges

  • Digital products (gift cards, recharges) are delivered instantly once the transaction is confirmed.

  • Please verify all recipient details before purchase — completed transactions cannot be reversed.

  • Refunds are issued only if a transaction fails or a delivery error is confirmed by our system.

  • Prices and availability may change based on merchant or telecom provider terms.

6. Card Services

  • Bankilx may issue virtual and physical cards through licensed issuers.

  • Card availability and limits depend on your verification status and jurisdiction.

  • Lost, stolen, or compromised cards must be reported immediately through support.

  • All card use is subject to the Cardholder Agreement and the issuing partner’s terms.

7. Donations to NGOs

  • Bankilx partners only with verified charitable organizations.

  • All donations are non-refundable once processed.

  • We ensure that donation funds are transferred securely to designated NGOs.

  • Receipts are available for transparency upon request.

8. Fees and Charges

  • Bankilx aims to maintain clear and fair pricing for all services.

  • Applicable fees (for transfers, cards, or recharges) are displayed before you confirm a transaction.

  • We may revise fees periodically; changes will be communicated in advance.

9. Refund Policy

Refunds are only processed for:

  • Failed or duplicate transactions.

  • Undelivered digital goods verified by our system.

  • System or network errors caused by Bankilx or its partners.

Refunds are not available for successful transactions, voluntary donations, or completed digital product deliveries.

For assistance, contact support@bankilx.com within 7 days of the transaction.

10. Service Changes and Maintenance

  • We may temporarily suspend or modify services for upgrades or compliance reasons.

  • Users will be notified in advance whenever possible.

  • Bankilx is not liable for losses due to maintenance or third-party system outages.

11. Security and Fraud Prevention

  • Bankilx uses encryption, tokenization, and multi-factor authentication to protect user accounts.

  • Users are responsible for maintaining the confidentiality of their login credentials.

  • We actively monitor for fraud, phishing, or unauthorized access attempts.

  • Suspicious activity may result in immediate account suspension pending investigation.

12. Contact Us

If you have any questions or concerns about these Terms, please contact:
📧 support@bankilx.com
🏢 Moneilx LLC, United States
🌐 https://bankilx.com