Vibi provides foreign virtual accounts, allowing customers to receive and make payments, subject to eligibility requirements based on factors like occupation, residency, regulations, and Vibi's risk management policies.

To prevent fraud and money laundering, Vibi only accepts users with clear sources of income and specific reasons for needing a virtual account. Vibi reserves the right to refuse applications if not satisfied with the provided details and documents.

Our platform can be used for:

• Receiving your salary or wages;
• Receiving payouts from e-commerce and freelancer platforms;
• Receiving payments from family, friends, or others for personal purposes;
• Receiving payments from clients and third parties for business purposes.

RESTRICTIONS ON USING OUR PLATFORM

Transacting on your own account

All activities under a Vibi account are deemed to be carried out by the registered user. You may only use the services to transact on your own account, not on behalf of others. You agree not to share your username and password or allow others to access the services on your behalf. You are responsible for keeping your account information secure. Vibi is not liable for any losses from unauthorized access or fraudulent transactions. Contact us immediately if you suspect unauthorized activity.

One account per person or entity

Each user is allowed only one Vibi account unless agreed upon in writing. Vibi reserves the right to close or merge duplicate accounts at its discretion.

1. Restricted activities

You may only use our platform for lawful purposes and agree not to:

• Breaching any local, national, or international laws;
• Engaging in fraudulent or unlawful activities;
• Using the platform for unsolicited promotions or spamming;
• Distributing harmful software like viruses or spyware;
• Conducting activities likely to result in complaints, chargebacks, or other liabilities to Vibi or others.

2. Restricted lines of business

Vibi does not support transactions related to the following:

• Illegal activities, such as narcotics, human trafficking, or terrorist financing;
• Gambling;
• Currency exchange, including cryptocurrencies;
• Pyramid or "get rich quick" schemes;
• Crowdfunding;
• Counterfeiting or copyright infringement;
• Reselling event tickets;
• The sale of firearms, weapons, or adult entertainment;
• Unlicensed financial services;
• Hate or violence-promoting items or services.

Vibi may approve the use of its services for certain restricted activities after review, but not if they violate laws or regulations.