Terms

Terms of Service

Last updated · May 6, 2026

These Terms of Service (“Terms”) form a legally binding agreement between you and Victoi, Inc., a Delaware corporation (“Victoi,” “we,” or “us”), and govern your access to and use of the Victoi website, mobile application, application programming interfaces, and the financial, communications, travel, and other services we make available through them (collectively, the “Services”).

By creating an account, accessing, or using the Services, you agree to these Terms, our Privacy Policy, our Acceptable Use Policy, our KYC / AML Policy, our Cookie Policy, and our E-Sign Disclosure & Consent. If you do not agree, do not use the Services.

Important. Section 28 contains a binding arbitration agreement and a waiver of class actions, jury trials, and consolidated proceedings that applies unless you opt out or it is unenforceable in your jurisdiction. Please read it carefully.

1. Agreement & acceptance

These Terms apply to anyone who accesses the Services. Some Services or features are governed by additional terms or partner agreements presented to you at the point of activation (for example, cardholder agreements with our issuing-bank partner, brokerage and customer agreements for investment activity, prediction-market venue rules, travel-supplier conditions of carriage, and crypto-wallet disclosures). Where any additional terms conflict with these Terms, the additional terms control with respect to the Service to which they apply.

We may make these Terms and other documents available to you in your local language. The English-language version controls in the event of a conflict, except where local law requires otherwise.

2. Key definitions

  • Account— the user account you register with Victoi.
  • Balance— funds held in your Victoi wallet, denominated in one or more supported currencies, which you may use to fund transactions.
  • Beneficiary— any person, account, or address you have designated to receive transfers from you.
  • Content— any text, image, audio, video, file, document, message, call recording, or other material you upload, send, or otherwise make available through the Services.
  • Partner— a regulated bank, card issuer, broker-dealer, custodian, mobile-money operator, prediction-market venue, travel supplier, or other third party we rely on to deliver a specific Service.
  • Restricted Jurisdiction— a country, state, region, or sub-region in which we do not offer the Services, or in which a particular Service is unavailable, due to law, sanctions, regulatory status, or our own policies.

3. Eligibility

To use the Services, you must:

  • be at least 18 years old (or the higher age of legal majority in your jurisdiction);
  • have the legal capacity to enter into a binding contract and not be barred from receiving services under applicable law;
  • not be located in, ordinarily resident in, or accessing the Services from a Restricted Jurisdiction, including any jurisdiction subject to comprehensive U.S., U.K., EU, or U.N. sanctions, and not be a person with whom U.S. persons are prohibited from doing business;
  • not appear on any U.S. Office of Foreign Assets Control specially-designated-nationals list, U.K. HM Treasury sanctions list, EU consolidated list, or other applicable sanctions or denied-party list;
  • provide accurate, current, and complete information during registration and KYC.

4. Accounts & security

You are responsible for keeping your account credentials, recovery factors, devices, and PINs confidential, for all activity that occurs under your account, and for promptly notifying us at legal@victoi.com if you suspect unauthorized access or a security incident. We may require additional authentication factors (for example, device biometrics through Face ID or Touch ID, one-time passwords, or step-up verification) for certain actions.

You may have only one personal account. You may not share, lend, transfer, or sell your account, or use the account of another person.

5. KYC & identity verification

We are required by law to verify the identity of our customers and to perform ongoing monitoring of account activity. To open and maintain an account and to use certain Services, you must complete identity verification, which may require you to:

  • provide your legal name, date of birth, residential address, country of nationality, and tax-identification number;
  • submit a photograph of a valid government-issued identity document and a selfie or short live video for liveness and face-match;
  • provide additional documentation about source of funds, source of wealth, employment, or beneficial-ownership information, where required.

We may decline to open or continue an account, decline to process a transaction, freeze a balance, or close an account at any time if we are unable to verify your identity, if you provide inaccurate or incomplete information, or if we believe doing so is necessary to comply with law, partner requirements, or our internal risk policies. Further detail is in our KYC / AML Policy.

6. Victoi wallet & balances

The Victoi wallet lets you hold a Balance in supported currencies and use it to fund transactions. Balances are not bank deposits, are not insured by the FDIC, the FSCS, or any other deposit-insurance program, and do not bear interest. Balances are held with our banking and treasury Partners, which may safeguard customer funds in pooled or segregated accounts as required by applicable law and partner contracts.

Available currencies, transaction limits, fees, hold times, and supported countries depend on your jurisdiction, your verification level, and Partner availability, and may change. We may place a hold on, reverse, or refuse to process a transaction in order to comply with the law, manage risk, investigate suspected fraud, or comply with a Partner request.

7. Cards

Victoi-branded payment cards (physical and virtual) are issued by a regulated card-issuing Partner under a separate cardholder agreement that is presented to you at activation. Use of the card is governed by that cardholder agreement and by these Terms. Card-network rules (Visa, Mastercard, American Express, Discover, UnionPay, JCB, RuPay, and similar) apply to card transactions, including authorization, settlement, chargebacks, and disputes.

8. Transfers & mobile money

You may send transfers to other Victoi users, to bank accounts, to crypto addresses, and to mobile-money wallets through Partner networks (including, where supported, Onafriq, Orange Money, MTN, Airtel, Vodacom, Wave, M-Pesa, Telebirr, EcoCash, and similar operators). You are responsible for verifying recipient details before submitting a transfer; once submitted, transfers may be irreversible.

Receiver-side delays, conversion rates, intermediary-bank fees, and last-mile failures are beyond our exclusive control. We will use commercially reasonable efforts to recover failed transfers, but cannot guarantee recovery. Cross-border transfers may be subject to disclosure requirements under U.S. Regulation E and similar laws in other jurisdictions; the relevant disclosures will be presented to you before you submit the transfer.

9. Investing — stocks

Where supported, the Services let you place orders to buy and sell publicly listed equity securities. Brokerage, custody, clearing, and execution services are provided by one or more regulated broker-dealer or investment-firm Partners under a separate customer agreement that is presented to you when you enable the investing feature. Victoi is not a registered broker-dealer in the United States and does not itself execute, custody, or clear securities transactions; we provide the technology interface and route your orders to the Partner.

Investing involves substantial risk, including the risk of losing some or all of your investment. Past performance does not guarantee future results. Information shown in the app, including market data, news, watchlists, and analytics, is provided for informational purposes only and does not constitute investment advice or a recommendation. You are solely responsible for your investment decisions and for understanding the tax consequences of those decisions.

10. Tokenized stock representations

Where offered, “tokenized” stock representations are digital, outcome-based instruments whose value tracks an underlying publicly listed equity security. They are not the underlying security. Holding a tokenized representation does not grant you ownership of, voting rights in, dividends from, proxy rights with respect to, beneficial title to, or any other equity-holder rights in the underlying issuer. The instrument is structured as a synthetic exposure to the underlying price and is settled against the platform or a Partner counterparty.

Tokenized representations may be unavailable in some jurisdictions. They involve significant risk, including counterparty risk, operational risk, and the risk of total loss. Trading is subject to platform availability, settlement windows, and price-feed integrity. You should not invest in a tokenized representation unless you understand its mechanics and can bear the loss of your entire investment.

11. Prediction markets

Where offered, the prediction-market features let you take positions on contracts that resolve based on a future event (for example, a sports outcome, a macroeconomic indicator, or an election result). Prediction-market activity is operated by, or in cooperation with, a Partner venue subject to its own rulebook, market rules, settlement procedures, and licensing regime, which apply to your trading.

Risk and availability.Prediction-market contracts are speculative; outcomes are uncertain; you may lose all of the funds you commit to a position. Availability, contract types, margining, position limits, and resolution sources depend on the Partner venue and your jurisdiction. Some contracts and contract categories may be unavailable in certain U.S. states, EEA member states, or other regions. We may suspend or remove a market at any time and settle existing positions in accordance with the venue’s rules.

Prediction-market contracts are not deposits, securities, or insurance products. Leaderboards and competitive features are intended for informational and entertainment purposes and do not represent investment performance.

12. Crypto address management

Where supported, the Services let you store public-blockchain addresses for assets such as Bitcoin, Ethereum, Solana, USDC, USDT, Tron, Stellar, and others, and to send and receive supported assets to and from those addresses through Partner networks. Public-blockchain transactions are irreversible and visible on the underlying ledger. You are solely responsible for verifying the destination address, network, and asset before confirming a transaction. We are not responsible for losses caused by sending assets to the wrong address, the wrong network, or an address you do not control.

Crypto-asset values are highly volatile and can fall to zero. Some assets, networks, or features may be unavailable in your jurisdiction. We may, without notice, suspend or remove support for an asset or network for legal, security, liquidity, or operational reasons.

13. Travel booking

The travel features let you search and book flights, hotels, seats, and ancillaries through our travel supply Partner (Duffel) and the underlying carriers, hotels, and aggregators. Bookings are subject to the conditions of carriage, fare rules, hotel terms, and cancellation, change, refund, and baggage policies of the supplier. Prices and availability are not guaranteed until the booking is confirmed and ticketed by the supplier.

You are responsible for ensuring that all passenger names match government-issued ID, that you have valid travel documents (passport, visa, health certifications), and that you comply with the destination’s entry requirements. Victoi acts as an intermediary; the contract of carriage or accommodation is between you and the underlying supplier.

14. Messaging, calls & content

The Services include messaging, voice and video calls (one-to-one, group, and broadcast), file sharing, and group features. Voice and video calls are delivered through our real-time-communications Partner (LiveKit). You are responsible for the content you send through the Services and for ensuring that you have all necessary rights and consents to send it (including, where applicable, consent to record calls). We may set message size, attachment, retention, and call-duration limits, and we may apply automated and manual review where required by law or to enforce our policies.

15. Jangi (rotating savings & group treasury)

Jangi enables you to participate in rotating-savings circles, group treasuries, and peer-to-peer lending arrangements with other Victoi users. By creating or joining a Jangi circle, you agree to the rules established by the organizer and the participants, including contribution amounts and schedules, payout order, governance, and any associated loan terms.

Jangi is a peer-to-peer feature: Victoi is not a party to your Jangi arrangement, does not guarantee performance by any participant, and does not underwrite, insure, or service the loans. Defaults, late contributions, and disputes are between the participants. Where required by law (for example, lending or money-services regulation), additional restrictions or partner-issued instruments may apply.

16. Events, tickets & fundraising

Organizers may use the Services to create paid or free events, sell tickets, run surveys, and run fundraising campaigns. Organizers are solely responsible for the legality of the event, the accuracy of event information, ticket fulfillment, refunds, taxes, and compliance with applicable consumer-protection, ticketing, and charitable-solicitation laws. Buyers and donors transact directly with the organizer; Victoi acts as a payment-processing intermediary.

17. Viki & AI features

Some Services include AI-powered features (collectively, “Viki”) that can answer questions, summarize information, draft messages, suggest travel options, or otherwise assist you. AI outputs may be inaccurate, incomplete, or biased; they are not investment, legal, tax, medical, or other professional advice. You are responsible for reviewing AI outputs before relying on them or sharing them with others. We may use information you submit to Viki, your interactions with it, and feedback signals to operate, monitor, and improve the feature, subject to our Privacy Policy.

18. Fees & taxes

We may charge fees for certain Services, including transfers, currency conversion, card usage, ATM access, expedited delivery, premium features, securities and prediction-market activity, travel processing, and other items. Applicable fees, exchange rates, and any markups are disclosed before you confirm a transaction or activate a feature. We may change fees prospectively with notice to the extent required by law.

You are solely responsible for any taxes, duties, or other governmental assessments arising from your use of the Services, including capital-gains, income, value-added, sales, and withholding taxes. We may withhold and remit amounts where required and may issue tax information statements (for example, U.S. IRS Forms 1099) where the Services trigger reporting.

19. Errors, disputes & chargebacks

Where the Services are subject to U.S. Regulation E, you have rights to receive disclosures and to dispute errors involving electronic fund transfers, and we will follow the applicable error-resolution procedures. For card transactions, network chargeback rules and the cardholder agreement with our issuing Partner govern dispute rights. For securities and prediction-market activity, the executing Partner’s customer agreement and rulebook govern dispute rights.

To report a problem, contact legal@victoi.com or use in-app support. You must report errors within the time periods required by applicable law (for example, 60 days from the statement date for U.S. Regulation E).

20. Your content & licenses

You retain ownership of the Content you submit. By submitting Content, you grant Victoi a worldwide, non-exclusive, royalty-free, sub-licensable license to host, store, copy, transmit, display, modify (for technical purposes such as resizing or transcoding), and otherwise use the Content solely as needed to operate, secure, and improve the Services and to comply with the law. You represent that you have all rights, consents, and permissions necessary to grant this license.

You may submit feedback, ideas, or suggestions about the Services. We may use them without obligation or compensation.

21. Intellectual property

The Services, including the software, design, text, graphics, illustrations, logos, trademarks, and trade names, are owned by Victoi or its licensors and are protected by copyright, trademark, and other laws. We grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services for personal, non-commercial purposes, subject to these Terms. Third-party trademarks, marks, and brand imagery referenced in the Services are the property of their respective owners and are used for identification, informational, and illustrative purposes only.

We will respond to notices of alleged copyright infringement that comply with the U.S. Digital Millennium Copyright Act (DMCA) and analogous laws in other jurisdictions; send DMCA notices to legal@victoi.com.

22. Acceptable use

Your use of the Services is governed by our Acceptable Use Policy, which is incorporated into these Terms. The AUP prohibits, among other things, illegal activity, money laundering and terrorism financing, fraud, market manipulation, infringement, abuse, impersonation, security violations, and certain restricted businesses and use cases.

23. Third-party services

The Services rely on Partners and third-party providers (banking, card issuing, payments, broker-dealers, prediction-market venues, mobile-money operators, travel suppliers, calling and messaging providers, identity-verification vendors, hosting providers, and others). Your use of those services may be subject to their own terms. We are not responsible for the acts or omissions of third parties beyond our reasonable control.

24. Suspension & termination

We may suspend, restrict, or terminate your access to all or part of the Services at any time, with or without notice, and freeze, hold, or reverse a transaction or balance if we reasonably determine that:

  • you have violated these Terms, the AUP, or other policies;
  • your account is being used for illegal, fraudulent, or unauthorized activity;
  • you fail to complete or maintain identity verification, or our risk processes flag your activity;
  • we are required to do so by law, court order, regulator, Partner instruction, or sanctions program;
  • your activity creates excessive risk to Victoi, our users, or our Partners (including chargebacks, returns, disputes, market manipulation, or repeated violations).

You may close your account at any time through in-app settings or by contacting legal@victoi.com, subject to settling any outstanding obligations and to legal recordkeeping requirements. Sections that by their nature should survive termination (including 20, 21, 25, 26, 27, 28, 29, and 32) will continue to apply.

25. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM A COURSE OF DEALING OR USAGE OF TRADE. WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, ACCURATE, OR ERROR-FREE; THAT MARKET DATA OR AI OUTPUTS WILL BE ACCURATE OR RELIABLE; THAT TRANSACTIONS WILL BE SETTLED IN A PARTICULAR TIMEFRAME; OR THAT THE SERVICES WILL MEET YOUR REQUIREMENTS.

26. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL VICTOI, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR PARTNERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, USE, GOODWILL, REPUTATION, OPPORTUNITY, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

VICTOI’S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID TO VICTOI IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100.00). SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF CERTAIN DAMAGES; IN THOSE JURISDICTIONS, THE FOREGOING LIMITATIONS APPLY TO THE MAXIMUM EXTENT PERMITTED. NOTHING IN THESE TERMS LIMITS LIABILITY FOR FRAUD, GROSS NEGLIGENCE, WILLFUL MISCONDUCT, DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE, OR ANY OTHER LIABILITY THAT CANNOT BE LIMITED OR EXCLUDED BY LAW.

27. Indemnification

You will defend, indemnify, and hold harmless Victoi, its affiliates, officers, directors, employees, agents, and Partners from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) your use of the Services; (b) your Content; (c) your violation of these Terms, the AUP, or applicable law; (d) your violation of any third-party right; or (e) any taxes you are required to pay. We may, at our option, control the defense and settlement of any matter subject to indemnification, at your expense.

28. Arbitration agreement & class waiver

Please read this section carefully. It affects your rights and requires you and Victoi to resolve most disputes through individual binding arbitration rather than in court.

28.1 Scope

Except for the matters carved out below, you and Victoi agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or your relationship with Victoi (a “Dispute”) will be resolved by final and binding individual arbitration administered by JAMS pursuant to its Streamlined or Comprehensive Arbitration Rules & Procedures (the “JAMS Rules”), as modified by these Terms.

28.2 Informal pre-arbitration notice

Before initiating arbitration, you and Victoi agree to attempt in good faith to resolve any Dispute informally for at least sixty (60) days after the complaining party provides written notice to the other describing the Dispute. Notice to Victoi must be sent to legal@victoi.com. The 60-day period tolls any applicable statute of limitations.

28.3 Arbitrator authority

The arbitrator has exclusive authority to resolve any Dispute, including the scope, applicability, interpretation, formation, or enforceability of this arbitration agreement. The arbitrator may grant any relief that a court could grant, including injunctive and declaratory relief, but only on an individual basis.

28.4 Class-action waiver; no consolidation

You and Victoi each waive any right to participate as a plaintiff or class member in any class, collective, mass, consolidated, or representative action. Disputes will be arbitrated only on an individual basis. If a court or arbitrator decides that this waiver is unenforceable as to a particular claim or remedy, that claim or remedy (and only that claim or remedy) must be brought in a court of competent jurisdiction; the rest of this Section 28 remains in effect.

28.5 Mass-arbitration procedures

If twenty-five (25) or more similar arbitration demands are filed against Victoi within a ninety (90) day period and represented by the same or coordinated counsel, JAMS will treat them as “mass filings” and apply its Mass Arbitration Procedures or analogous procedures, including bellwether selection and staged hearings, to allow efficient and fair resolution.

28.6 Location, fees & small-claims carve-out

Arbitration will take place in Wilmington, Delaware, unless you and Victoi agree otherwise, or, where you are a consumer, in the U.S. county of your residence or another mutually convenient location. Arbitration may be conducted by phone or video at the arbitrator’s discretion. JAMS’s consumer-arbitration fee rules apply where you qualify as a consumer. Either party may bring a qualifying claim in small-claims court instead of arbitration, so long as the claim remains in small-claims court and proceeds on an individual basis.

28.7 Carve-outs

This Section 28 does not require arbitration of (a) claims for injunctive or other equitable relief to address actual or threatened infringement, misappropriation, or violation of a party’s intellectual-property rights; or (b) any matter that applicable law prohibits from being arbitrated.

28.8 30-day right to opt out

You may opt out of this Section 28 by sending written notice to legal@victoi.comwith the subject line “Arbitration Opt-Out” within thirty (30) days of first accepting these Terms. Your notice must include your name, address, the email associated with your account, and a clear statement that you wish to opt out. Opting out does not affect any other provision of these Terms.

29. Governing law & venue

These Terms and any non-contractual obligations arising out of or related to them are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. The Federal Arbitration Act governs the interpretation and enforcement of Section 28. For matters that are not subject to arbitration or are not within the jurisdiction of a small-claims court, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in Wilmington, Delaware. Nothing in these Terms deprives consumers of any mandatory protections of the law of their country of habitual residence.

30. Region-specific terms

30.1 European Economic Area & United Kingdom

If you are a consumer resident in the EEA or UK, you may have additional statutory rights (including statutory withdrawal and cancellation rights for certain contracts) that these Terms do not affect. Where mandatory consumer-protection law in your country of residence provides greater protection, that protection applies. The European Commission’s online dispute-resolution platform is available at ec.europa.eu/consumers/odr.

30.2 California

Under California Civil Code Section 1789.3, California users are entitled to the following consumer-rights notice: the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

30.3 Other regions

Where local laws (for example, Brazilian, Indian, Australian, Canadian, or African consumer-protection or financial-services laws) confer non-waivable rights on you, those rights apply notwithstanding anything to the contrary in these Terms.

31. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will notify you through the Services or by email at least thirty (30) days before the change becomes effective, unless an earlier effective date is required by law or to address a security or legal matter. By continuing to use the Services after the effective date, you agree to the updated Terms. If you do not agree, you may close your account before the effective date.

32. General provisions

  • Entire agreement. These Terms, together with the documents they reference, form the entire agreement between you and Victoi regarding the Services and supersede any prior agreements.
  • Severability. If any provision of these Terms is held unenforceable, that provision will be modified to the minimum extent necessary, and the remaining provisions will remain in full force.
  • No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
  • Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a corporate transaction or to an affiliate.
  • Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control, including natural disasters, war, civil unrest, labor disputes, infrastructure failures, cyber-attacks, sanctions, government action, and Partner outages.
  • Notices. We may give notices to you by email, in-app messaging, push notification, or by posting on the Services. You must give notices to us at legal@victoi.com.
  • Relationship. Nothing in these Terms creates a partnership, joint venture, agency, fiduciary, or employment relationship.

33. Contact us

For questions about these Terms, contact legal@victoi.com. For privacy matters, contact privacy@victoi.com.

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