Terms of Service

To use Sinku, you must:

Your Sinku account is personal to you and gives you access to our financial services.

Sinku provides a technology platform through our mobile app that enables access to financial services offered by independent third-party providers. The availability of specific features may vary by country and may change over time. Sinku acts solely as a software conduit and is not a financial institution.

Sinku strives to keep fees transparent and fair. There are no monthly account fees for standard Sinku accounts.

Certain services may carry fees, such as ATM withdrawals beyond your free allowance, express card delivery, or specific transaction types. All applicable fees are disclosed before you confirm a transaction, and a full fee schedule is available in the app and on our website.

We may update our fees from time to time. We will notify you of any material changes at least 30 days in advance.

You agree to use Sinku only for lawful purposes and in accordance with these Terms. You must not use our services to:

For security and regulatory reasons, we apply limits to various transaction types, including transfers, card spending, ATM withdrawals, and top-ups. These limits may depend on your verification level, account history, and the regulations that apply in your country.

You can view your current limits in the app. We may adjust limits at any time, and will notify you of any significant changes.

We invest heavily in keeping your money and data safe.

The Sinku name, logo, app design, website, and all related content are owned by MORABI, SOCIEDADE UNIPESSOAL LDA and are protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works based on our materials without our prior written consent.

We grant you a limited, non-exclusive, non-transferable licence to use the Sinku app for your personal, non-commercial use in accordance with these Terms. This licence is revocable and can be terminated if you breach these Terms.

We hope you'll be a Sinku user for a long time, but there are circumstances where accounts may be suspended or closed.

To the maximum extent permitted by applicable law, Sinku shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

We are not responsible for losses caused by circumstances beyond our reasonable control, including internet or network failures, actions by third parties, natural disasters, or changes in laws and regulations.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.

If something goes wrong, we want to put it right.

We may update these Terms from time to time to reflect changes in our services, legal requirements, or business operations. When we make material changes, we will notify you at least 30 days before they take effect through the app or by email.

If you do not agree with the updated Terms, you may close your account before they take effect. Continuing to use our services after the changes take effect means you accept the updated Terms.

These Terms are governed by and construed in accordance with the laws of the jurisdiction where the Sinku entity providing your account is incorporated. The specific governing law applicable to you is set out in your account agreement.

Any disputes arising from these Terms that cannot be resolved through our complaints process may be referred to the courts of the relevant jurisdiction.

Sinku relies on independent third-party providers to deliver the financial services accessible through our platform. These providers include, but are not limited to:

Your Sinku account is not a bank account, deposit account, or savings account. Sinku is a financial technology company, not a bank or licensed financial institution.

Funds accessible through the Sinku App are held and managed by our licensed third-party partners, not by Sinku. The protections available to you depend on the regulatory framework under which our partners operate.

Sinku does not provide investment advice, act as a fiduciary, or owe any fiduciary duty to you. Any information provided in the app is for informational purposes only and should not be considered financial, legal, or tax advice.

Wallet functionality within the Sinku App is powered by Privy, a non-custodial wallet infrastructure provider. This means:

You are solely responsible for determining and fulfilling any tax obligations arising from your use of Sinku services, including but not limited to income tax, capital gains tax, value-added tax, or any other applicable taxes in your jurisdiction.

Sinku does not provide tax advice and is not responsible for calculating, withholding, or reporting taxes on your behalf, unless required by applicable law. You should consult a qualified tax professional regarding your tax obligations.

We strive to ensure that Sinku is available at all times, but we do not guarantee uninterrupted or error-free access to our services.

Our services may be temporarily unavailable due to scheduled maintenance (we will try to notify you in advance), unscheduled technical issues, updates or upgrades to our systems, actions by our third-party partners, or events beyond our reasonable control.

We are not liable for any losses or damages resulting from service interruptions or unavailability.

Sinku shall not be liable for any failure or delay in performing our obligations under these Terms if such failure or delay results from circumstances beyond our reasonable control, including but not limited to natural disasters, epidemics or pandemics, wars, terrorism, or civil unrest, government actions or regulatory changes, power outages, internet or telecommunications failures, cyberattacks, or failures of third-party service providers.

In the event of a force majeure, our obligations will be suspended for the duration of the event, and we will use reasonable efforts to resume services as soon as practicable.

By creating a Sinku account, you consent to receive communications from us electronically, including via email, push notifications, in-app messages, and SMS.

These communications may include service updates and announcements, transaction confirmations and alerts, security notifications, marketing and promotional messages (which you may opt out of), and legal notices and changes to our Terms.

Electronic communications from Sinku satisfy any legal requirement that communications be made in writing. You are responsible for keeping your email address and phone number up to date.

From time to time, Sinku may offer promotional campaigns, referral programmes, or special offers. These are subject to additional terms that will be communicated at the time of the promotion.

We reserve the right to modify, suspend, or terminate any promotional campaign or referral programme at any time without prior notice. Any abuse of promotions or referral programmes, including creating multiple accounts, may result in forfeiture of rewards and account suspension.

Promotional rewards and referral bonuses have no cash value outside the Sinku platform unless explicitly stated otherwise.

Sinku is committed to preventing the use of our platform for money laundering, terrorist financing, and other financial crimes.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

These Terms, together with our Privacy Policy, Cookie Policy, and any other agreements referenced herein, constitute the entire agreement between you and Sinku regarding our services.

If you have questions about these Terms of Service, get in touch:

In-app chat: Go to your profile and tap 'Help'

Email: support@sinku.io

We're here to help and will do our best to respond promptly.