Terms of Service

1. Who we are

NexaCapital Holdings operates the NexaCapital platform from 1 Harbour Exchange, New York, NY 10004. Banking services are provided in partnership with our custodian bank, and deposits are insured up to $250,000 per depositor.

2. Opening an account

You must be at least 18 years old and legally able to enter a contract. You must give us accurate information and tell us promptly when it changes.

We are required by law to verify your identity. Until verification completes we may limit transfers, cards and credit. We may decline an application without giving a reason.

3. Using your account

You are responsible for keeping your password, transfer PIN and any verification codes secret. Do not share them with anyone, including anyone claiming to work for us.

Tell us immediately if you think someone else has accessed your account. Where you have acted honestly and told us promptly, you will not be liable for unauthorised transactions.

You may not use your account for anything unlawful, including fraud, money laundering, terrorist financing or sanctions evasion.

4. Transfers and payments

Outbound transfers are reviewed before settlement. Funds are held during review and returned to your available balance if the transfer is declined or cancelled.

You are responsible for the accuracy of recipient details. A transfer sent to the wrong account because of details you provided may not be recoverable, though we will always try.

Fees are shown before you confirm a transfer. We will give you at least 30 days' notice before increasing any fee.

5. Interest and fees

Interest on savings accounts accrues daily and is credited on the first of each month. Rates are variable and we will notify you before a reduction takes effect.

Our current fees are published on this site and in your dashboard.

6. Suspension and closure

We may suspend or restrict your account where we are required to by law, where we reasonably suspect fraud or unauthorised use, or where you have materially breached these terms. Where we can lawfully tell you why, we will.

You may close your account at any time. We will return your balance to an account in your name once any pending transactions have settled.

7. Liability

We are liable for losses caused directly by our own failure to provide the service with reasonable care and skill. We are not liable for losses that were not reasonably foreseeable, or that arise from your own breach of these terms.

Nothing in these terms limits liability that cannot lawfully be limited.

8. Changes and complaints

We may change these terms and will give you at least 30 days' notice of anything that materially affects you. If you do not accept a change you may close your account without charge.

If something goes wrong, tell us at support@nexacapital.com. We will acknowledge within one business day and aim to resolve complaints within 15 business days.