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Terms of Service

Last updated: April 13, 2026 — Version 2.0

1. Introduction

GeraCash is operated by Gera Services (registered in England and Wales). These Terms govern use of geracash.com and our mobile applications. GeraCash provides digital wallet and payment services.

Regulatory Notice: GeraCash currently operates as a payment facilitation service. We are working towards obtaining appropriate FCA authorisation or partnering with a regulated payment institution. Certain services may be restricted pending regulatory approval. Please check geracash.com/help for current service availability.

2. Account Registration and KYC

  • Minimum age 18. You must provide accurate identity information.
  • Identity verification (KYC) is required to send money, increase limits, or access full features
  • We may restrict accounts pending KYC completion
  • You must not use GeraCash for money laundering, terrorist financing, or any illegal activity
  • Report suspicious activity to [email protected]

3. Wallet and Transactions

  • GeraCash wallet balances are held as e-money; funds are safeguarded in accordance with applicable regulations
  • You are responsible for all transactions initiated from your account
  • Unauthorised transactions must be reported within 13 months of the transaction date
  • We may apply transaction limits based on your KYC level
  • Funds in your wallet are not covered by the Financial Services Compensation Scheme (FSCS)

4. GeraCoins

GeraCoins are loyalty rewards redeemable across the Gera Services ecosystem. They have no cash value, cannot be sold or transferred, expire 24 months after last activity, and are not covered by financial regulation.

5. Fees

Current fees are displayed in the app before any transaction. We reserve the right to introduce or change fees with 30 days' notice for existing users.

6. Freezing and Closing Accounts

We may freeze or close accounts immediately where: fraud or AML concerns arise; we are required to do so by law; or you breach these Terms. We will return accessible funds after regulatory review, subject to our AML obligations.

7. Acceptable Use

GeraCash must not be used for: money laundering, fraud, purchasing illegal goods or services, gambling (unless licensed), or any activity violating applicable law.

8. Limitation of Liability

Liability limited to amounts held in your wallet or paid in fees in the prior three months. Consumer Rights Act 2015 rights are unaffected.

9. Governing Law

England and Wales. Contact [email protected] before formal proceedings. UK Financial Ombudsman Service may be available for eligible disputes once FCA authorisation is obtained.

10. Contact