Terms & Conditions

Welcome to Apicts‑FX and Apicts Academy. These Terms & Conditions ("Terms") govern your use of our exchange services, academy content, website and any related services (together, the "Services"). By accessing or using our Services you agree to be bound by these Terms.

1. About Our Services

Apicts‑FX provides currency exchange services (fiat, e‑currency and cryptocurrency) and Apicts Academy provides educational content, courses and mentorship.Our Services require registration, identity verification and acceptance of additional rules for specific products.

2. Registration, KYC & Account Security

You must provide accurate information and complete identity verification (KYC) where requested. You are responsible for safeguarding your account credentials. Notify support immediately of any unauthorized access.

3. Payments, Fees & Taxes

Transaction fees, exchange spreads and other charges may apply. Fees are disclosed on relevant pages and may change from time to time. You are responsible for any taxes or duties arising from your use of the Services.

4. Risks & No Financial Advice

Trading currencies and cryptocurrencies involves significant risk. Educational content is for informational purposes only and does not constitute financial, tax or legal advice. You should seek independent advice before acting on any information provided through our Services.

5. Content & Intellectual Property

All content provided by Apicts‑FX and Apicts Academy (text, images, video, courses, trademarks) is owned or licensed and protected by intellectual property laws. You may not reproduce or redistribute our content without prior written consent.

6. User Conduct

You must not use the Services for unlawful activities, fraud, money‑laundering or to breach any applicable laws. We may suspend or terminate accounts that violate these Terms or pose a risk to other users or to the platform.

7. Limitation of Liability

To the fullest extent permitted by law, Apicts‑FX and its affiliates are not liable for indirect, incidental, consequential or punitive damages arising from your use of the Services. Our total liability for direct damages is limited as further described in our full legal policy.

8. Privacy

Our Privacy Policy explains how we collect, use and protect personal information. By using the Services you consent to processing of your data as described in the Privacy Policy.

9. Changes to Terms

We may modify these Terms. Material changes will be notified by email or posted on the website. Continued use after changes constitutes acceptance.

10. Governing Law & Dispute Resolution

These Terms are governed by the laws of the jurisdiction in which Apicts‑FX is registered. Disputes will be handled as set out in our legal notices and may require arbitration or local court proceedings where applicable.

11. Contact

For questions about these Terms or to report abuse, contact us:
Email: support@apicts.com
Phone: +234 813 939 9978
Address: Km 18, Topaz Plaza, New Road, Lekki Ajah, Lagos, Nigeria

If you need the full legal agreement in PDF form, please contact support.