Terms and Conditions

Blade Company Ltd

1. Overview

Blade Company Ltd. (“Blade Company”, “we”, “our”, “us”) is a Cameroon-based cross-border payments and financial services company that enables businesses and individuals to send and receive international payments efficiently, securely, and in compliance with local and international regulations.

We specialise in facilitating trade settlements and inbound remittance flows across African markets. Our technology-driven platform provides importers, exporters, and consumers in countries such as Cameroon, Côte d’Ivoire, Nigeria, and others with a faster, more cost-effective alternative to traditional banks and informal money transfer channels.

Blade Company offers the following services:

International B2B payments for goods and services
Trade settlement solutions for importers and exporters
Inbound remittances from the diaspora
Local currency payouts and FX conversion services
Web and mobile access for transaction management and real-time tracking

These Terms govern your use of Blade Company’s platform, websites, mobile applications, software, and related services (the “Service”). Depending on your location, additional legal terms may apply, as outlined in the Regional Addenda at the end of this Agreement.

Your use of the Service is also subject to the Arbitration & Dispute Resolution clauses described in Section 7. Please read them carefully.

2. Use of the Service

Grant of Licence

You are granted a limited, revocable, non-exclusive, non-transferable licence to access and use the Service under these Terms and any applicable third-party requirements. Blade Company reserves all rights not explicitly granted.

Permitted Uses

You may use the Service to:

Send and receive payments
Conduct trade-related transactions
Receive remittances
Manage business or personal financial transfers

All use must comply with applicable laws, including AML/CTF and trade regulations.

Prohibited Uses

You may not:

Use the Service for illegal, fraudulent, or unauthorised transactions
Sell, sublicense, or redistribute access to the Service
Modify, reverse-engineer, or interfere with the Service
Use the Service to build or support a competing financial product or service
Violate any sanctions laws, AML/CTF regulations, or data-protection rules

Modification & Termination

We may modify, suspend, or discontinue any part of the Service at any time.
We may also terminate or restrict your access if you violate these Terms.
Your exclusive remedy if dissatisfied with the Service is to stop using it.

3. Account & Identity Verification

Eligibility

You must be at least 18 years old to use the Service.

Verification Requirements

To comply with Cameroonian and international regulatory obligations—including AML, CTF, and KYC regulations—Blade Company may request personal, financial, and business information such as:

Valid identification documents
Proof of address
Business registration documents (where applicable)

Failure to provide accurate information may result in restricted or terminated access.

User Responsibility

You are responsible for:

Maintaining the security of your account
Protecting your passwords and credentials
Notifying us immediately of any unauthorised account activity

4. Fees & Taxes

Applicable fees for Blade Company services are published at:
www.bladecompanyltd.com/fees

You are responsible for all applicable taxes in your jurisdiction, including:

VAT
Sales tax
Duties and levies imposed by government authorities

5. Intellectual Property

Blade Company and its licensors own all intellectual property rights in:

The platform and software
Logos, trademarks, and branding
Content, features, and technologies

Nothing in this Agreement grants you ownership rights.

User Content

By uploading or submitting content through the Service, you grant Blade Company a worldwide, royalty-free, perpetual licence to use, modify, store, and distribute such content for operational or compliance purposes.

6. Disclaimers & Limitations of Liability

The Service is provided “as is” and “as available.”
We do not guarantee uninterrupted access, accuracy, or performance.

To the fullest extent allowed by law:

Blade Company disclaims all express and implied warranties
Our total liability to you is limited to the greater of:
USD $100, or the total fees you paid during the past 12 months

We are not liable for:

Loss of profits
Loss of data
Business interruption
Indirect, incidental, or consequential damages

7. Dispute Resolution

We encourage users to resolve disputes with us amicably.

Where no local dispute process applies, these Terms are governed by the laws of the Republic of Cameroon.

Unresolved disputes may be resolved through:

Binding arbitration (where applicable), or
The competent courts of Cameroon

You agree not to participate in:

Class actions
Class arbitrations
Jury trials (in jurisdictions where applicable)

Refer to the Regional Addenda for jurisdiction-specific procedures.

8. Privacy

Our Privacy Policy explains how Blade Company collects, uses, stores, and protects your data.
By using the Service, you consent to our data-handling practices as outlined therein.

9. Contact Us

If you have questions about these Terms, contact us at:
Email: info@bladecompanyltd.com
Website: www.bladecompanyltd.com

10. Regional Addenda

These Addenda supplement the general Terms & Conditions for specific jurisdictions.
In case of conflict, the Addendum for the relevant jurisdiction prevails.

Addendum A – Cameroon (Primary Jurisdiction)

Governing Law: Laws of the Republic of Cameroon
Regulatory Compliance: Compliance with BEAC, COBAC, and national AML/CTF regulations
KYC Requirements: Valid identity and business documentation required
Sanctions Screening: Screening against CEMAC, regional, and international sanctions lists
Data Protection: Handled under applicable Cameroonian data-protection laws
Disputes: Resolved in Cameroonian courts or arbitration bodies

Addendum B – Côte d’Ivoire

Governing Law: Ivorian commercial and financial regulations
Compliance: Mandatory adherence to local AML/CTF rules
KYC: Identity documents required under BCEAO standards
Sanctions Screening: Screening against BCEAO, UN, and FATF sanctions lists
Data Protection: Governed by Côte d’Ivoire data-protection laws
Disputes: Resolved in Ivorian courts

Addendum C – Nigeria

Governing Law: Laws of the Federal Republic of Nigeria
Compliance: Users must comply with CBN rules, AML/CTF laws, and NFIU reporting
KYC: Valid identification and business documents required
Sanctions Screening: Screening against Nigerian and international lists
Data Protection: Nigerian Data Protection Act applies
Disputes: Resolved in Nigerian courts

Addendum D – United States

Governing Law: State of New York
Arbitration: Binding arbitration under the FAA, administered by AAA
Opt-Out: Users may opt out within 30 days by emailing info@bladecompanyltd.com
Sanctions Screening: Users screened against OFAC lists
Consumer Disclosures: Additional U.S.-specific notices may apply

Addendum E – European Union

Governing Law: Laws of the EU Member State where services are provided
GDPR Compliance: Users may request access, correction, deletion, or restriction of their data
Consumer Rights: 14-day withdrawal right unless service has already been rendered
ODR Platform: EU users may file disputes through the EU Online Dispute Resolution portal
Data Transfers: Conducted under GDPR-compliant safeguards, including SCCs