The documents that govern your use of Zephira.
The public offer and the personal-data policy are the binding documents. The summary below covers financial-crime policy; full contractual versions are issued at onboarding and prevail over summaries.
Public offer — merchant termsMerchant terms of service
Personal data processing policyCollection, retention and transfer
Trader agreementOrders, collateral and appeals
AML and sanctions policy
Zephira applies a risk-based programme covering customer due diligence, ongoing monitoring, sanctions and PEP screening, and reporting obligations in the jurisdictions where it operates.
Merchants are screened at onboarding and re-screened periodically, and material changes in ownership or activity must be disclosed. Traders pass identity verification and device binding before receiving live volume.
Transactions are monitored against velocity, structuring and counterparty rules. Orders that trigger a rule are held for review, and accounts may be suspended where the review is not resolved.
Questions about this policy, or requests from law enforcement, should be sent to compliance@zephira.io.