Risk Disclosures (FX / Settlement Timing) — JabalPay

Effective date: March 4, 2026
Last updated: July 18, 2026

This page describes key risks you should understand before using JabalPay (the “Services”). By using the Services, you acknowledge these risks.

Contact (all inquiries): [email protected]

1) Transaction finality

Once you confirm a transaction and processing begins, it may not be possible to cancel, stop, or reverse it.

This is because once funds are received for processing, they are sent, converted, and delivered to the recipient through our partners. After delivery, transactions are generally irreversible. Whether a transaction can be cancelled or refunded before that point depends on the processing stage and the policies of the partners involved — see our Refunds, Cancellations & Chargebacks Policy.

2) Recipient details (your responsibility)

You are solely responsible for providing correct transaction details, including:

• the recipient's name and account details

• the correct destination country/corridor

• the correct amount and currency

If you provide incorrect or incomplete recipient details, funds may be delayed or permanently lost. JabalPay is not responsible for losses caused by sender error or incorrect instructions.

3) Settlement and conversion risks

Transfers may be converted and settled through our partners. Risks include:

• Conversion timing: the value delivered depends on the rate applied at the time of conversion.

• Partner dependence: settlement depends on the operations and legal/regulatory status of the partners involved.

• Liquidity risk: settlement or conversion may be delayed or limited during stress events.

• Regulatory risk: rules may change and affect availability of certain corridors or settlement methods.

4) FX and pricing risks

If your transaction involves currency conversion:

• rates can change quickly due to market conditions,

• the rate you receive may include a spread, and

• your final outcome depends on the rate shown at the time you confirm.

You are responsible for reviewing the amounts, fees, and rates before confirming.

5) Settlement timing and processing delays

Transaction timing can vary due to factors such as:

• partner processing windows and cutoffs,

• weekends/holidays,

• compliance checks (KYC/AML/sanctions),

• banking/payment rail delays,

• settlement network congestion (if applicable), and

• outages or downtime affecting third parties.

Estimated times are not guarantees.

6) Third-party and counterparty risks

JabalPay may rely on third-party providers (payments, banking rails, compliance tools, infrastructure providers). Risks include:

• third-party outages, errors, or processing failures,

• delays due to partner reviews or operational constraints,

• changes to partner policies that affect supported corridors, limits, or availability.

To the extent permitted by law, JabalPay is not responsible for failures or interruptions caused by third parties outside our control.

7) Fraud and social engineering risks

Common fraud risks include impersonation, phishing, and scams that pressure you to send funds. Because completed transfers are generally irreversible, you may not be able to recover funds if you send to a scammer.

Protect yourself by:

• verifying the recipient independently,

• double-checking recipient details,

• never sharing your login credentials, and

• treating urgent payment requests with skepticism.

8) No financial, legal, or tax advice

JabalPay does not provide investment, legal, tax, or accounting advice. You are responsible for determining whether the Services are appropriate for your situation and for obtaining professional advice where needed.

9) Updates

We may update these disclosures from time to time. If we do, we will update the “Last updated” date and publish the revised version on our website.

Contact

For questions about these risk disclosures, email [email protected].