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Legal

E-Sign Consent

Effective
October 20, 2026
Last updated
October 20, 2026
Version
1.0
On this page
  1. 1. What You're Agreeing To
  2. 2. What We Send Electronically
  3. 3. How We Deliver Them
  4. 4. What You Need
  5. 5. Paper Copies
  6. 6. Withdrawing Consent
  7. 7. Keep Your Details Current
  8. 8. Electronic Signatures
  9. 9. Keeping Records
  10. 10. Outside the United States
  11. 11. Your Confirmation
  12. 12. Contact Us

1. What You're Agreeing To

This is your consent to electronic records and signatures, given to Afria Technologies LLC ("we"), which makes ChekBuk, under the US Electronic Signatures in Global and National Commerce Act (E-SIGN Act), 15 U.S.C. § 7001 et seq.

ChekBuk is electronic-only. To open and use an account, you must agree to get records and sign agreements electronically. Keep a copy of this consent.

2. What We Send Electronically

You agree that we, and our licensed partners acting for your account, may send you these electronically ("Communications"):

  • agreements and their changes, including our Terms of Service, Escrow Terms, Acceptable Use Policy and partner terms you accept through ChekBuk;
  • legally required disclosures and notices, including fee disclosures (Fees), error resolution notices and account change notices;
  • statements, transaction history and activity summaries;
  • receipts and confirmations for deposits, withdrawals, conversions, transfers, stablecoin sends and receives, and escrow actions;
  • privacy notices, including our Privacy Policy;
  • replies to complaints and support requests (Complaints); and
  • tax forms or information, if your account needs them.

This covers all Communications while you have an account, and afterwards for anything about your account or past transactions, unless you withdraw (Section 6).

3. How We Deliver Them

We may:

  • show them in the app;
  • email them to the address on your account (in the email, as an attachment or as a link);
  • post them on chekbuk.com and tell you; or
  • send a push notification or text saying one is waiting in the app or your email.

A Communication counts as delivered once it's shown in the app, emailed to you, or posted on our site with notice, whether or not you open it. Check the app and your email regularly.

4. What You Need

  • a smartphone or tablet on a version of iOS or Android that the current ChekBuk app supports (shown in the App Store or Google Play), or a computer with internet access;
  • a current mainstream browser (such as Safari, Chrome, Firefox or Edge) with cookies enabled for chekbuk.com;
  • a working email account that can receive our messages;
  • software to open PDFs, or a way to save or print web pages (HTML);
  • a way to download, save, print or screenshot Communications; and
  • enough storage space to save them.

If these requirements change in a way that could stop you accessing or keeping Communications, we'll tell you and let you withdraw consent for free.

5. Paper Copies

You can get a free paper copy of any Communication we must give you. Email support@chekbuk.com and tell us which one and where to post it. We'll send it within 30 days. Asking for paper doesn't withdraw your consent.

Email support@chekbuk.com with the subject "Withdraw E-Sign consent", or contact support in the app. It's free.

Because ChekBuk is electronic-only, withdrawing may mean we can't serve you. We may restrict or close your account under our Terms of Service. If we close it, we'll explain how to withdraw any remaining balance, subject to legal requirements.

Withdrawal takes effect once we've had a reasonable time to process it. Communications delivered and signatures made before then stay valid and enforceable.

7. Keep Your Details Current

You must keep your email, phone number and other contact details up to date so you get Communications. Update them in the app settings or via support@chekbuk.com.

If an email bounces, we may treat the Communication as delivered through the app or website, and limit your account until you give us a working email.

8. Electronic Signatures

When you tap "I agree", "Accept", "Confirm" or a similar button, tick a box, or take a similar step in the app or on our site to accept an agreement, authorise a transaction or confirm an instruction, that's your electronic signature. It has the same legal effect as signing paper by hand.

You also agree we may rely on electronic records of your actions, such as time-stamped logs and signed receipts, as evidence of your agreement and instructions.

9. Keeping Records

Download, save or print this consent and any Communication we send. You can see many, such as receipts and history, in the app while your account is open. We keep records as our Privacy Policy describes, but don't rely on us as your only copy.

10. Outside the United States

If you live outside the US, you also agree that Communications and electronic signatures under this consent are valid and enforceable under your local electronic transactions laws. These may include:

  • Ghana: the Electronic Transactions Act, 2008 (Act 772);
  • Nigeria: the Evidence Act, 2011, including section 93 on electronic signatures;
  • Kenya: the Kenya Information and Communications Act;
  • the EU: the eIDAS Regulation; and
  • the UK: the Electronic Communications Act 2000.

If local law requires a particular document to be signed or given on paper, we'll follow that law. Ask for a paper copy as in Section 5.

11. Your Confirmation

By tapping "I agree" or a similar button when shown this consent, you confirm that:

  • you've read and understood it;
  • you have the hardware and software in Section 4;
  • you can access, view and keep Communications in the formats described, including PDF and HTML, and you were able to view this consent electronically; and
  • you agree to get Communications electronically and to use electronic signatures as described.

12. Contact Us

For questions, paper copies or to withdraw consent: