The world’s first fully AI-powered digital bank, trust, and insurance provider, delivering secure, scalable solutions through a single trust structure.

Legal information

Effective Date: March 6, 2025

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Information on the EU

Dispute Resolution

1. Legal foundation of Buburuza Bank

Jurisdictional Clarity, Global Integrity.Fully licensed. Internationally compliant. Legally sound across Comoros, Canada, EU, and the United States.

2. Registered entities & Jurisdictions

Buburuza operates through a network of legally registered entities, each tailored to the regulatory frameworks of its jurisdiction.

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Union of Comoros: Buburuza Bank Ltd is registered and licensed (L15989/BBL) by the Union of Comoros Offshore Finance Authority. Swift™ Code: JETODMD2. LEI: 894500BTEZBH16PIT253.
Canada: Buburuza AI Inc. is an MSB registered under FINTRAC (#BC1494856), offering exchange, transfer, and virtual currency services.
EU (Czech Republic): Buburuza s.r.o. is a VASP authorized by the Czech National Bank, providing virtual asset custody, exchange, and compliance services.
USA (Wyoming): Buburuza Corp. is registered in Wyoming (30 N Gould St #20084, Sheridan, WY 82801). Trademark holder of "Buburuza".

3. Master legal agreement

Our primary legal framework governs all interactions with the Buburuza platform.

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Binding Consent: Agreement enforced via use of service (Section 1.2).
Jurisdiction: Arbitration in Jersey under neutral legal standards (Section 10).
Coverage: Applies to trust accounts, stablecoins (sAED, sCNY), loans, wealth tools, etc. (Section 6).
Liability: No responsibility for losses unless due to fraud, gross negligence, or willful misconduct (Section 9).

4. Global compliance

Buburuza Bank integrates top-tier compliance with international frameworks to ensure lawful operation in all supported regions.

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FATF: Adheres to AML/CTF standards including biometric KYC and real-time transaction analysis.
Basel III: Implements capital adequacy guidelines for financial safety.
GDPR & CCPA: Upholds privacy protections for both EU and non-EU users where feasible.

5. Data Protection & Privacy

Your privacy is secured with AES-256 encryption, SSL/TLS protocols, and biometric authentication.

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KYC Data: Biometric and personal data processed securely.
Data Sharing: Shared only with legal authorities or consented providers.
Duration: Obligations remain post-relationship (Section 6.17).

6. Anti-money laundering (AML)

A proactive system tracks and flags suspicious activities using AI and sanctions screening.

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Verification: Biometric onboarding prevents identity fraud.
Monitoring: Continuous AI-based transaction reviews.
Sanctions Lists: UN, EU, and other global authorities cross-checked.

7. Cookie policy

We use essential, performance, and preference cookies to personalize and secure your experience.

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Essential Use: Required for site operations.
Consent: Non-essential cookies require opt-in.
Opt-Out: Available via browser or request.

8. Risk disclosure statement

Using Buburuza services involves inherent financial and digital asset risks.

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Stablecoin Risk: sAED, sCNY may face volatility or regulatory impact.
Operational Risk: Despite multi-tier custody and AI-monitoring, system failures or third-party issues may occur.

9. Client responsibilities

Our users are expected to comply with their local laws and act responsibly.

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Compliance: Local tax and securities laws must be followed.
Accuracy: KYC data must remain current.
Risk Acknowledgment: Use of services implies acceptance of known risks.

10. Dispute resolution

We resolve disputes through fair, fast, and neutral arbitration.

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Location: Arbitration in Jersey.
Method: English language, single arbitrator.
Cost: Loser pays unless decided otherwise.

11. Safety & Cybersecurity

From multi-tier wallet infrastructure to encrypted communications, safety is engineered into our core.

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Custody: Hot, warm, and cold wallets secured by MPC.
Monitoring: AI flags anomalies 24/7.
Transparency: Key transactions are logged on-chain for visibility and audit purposes.

12. Accessibility statement

Buburuza Bank offers services across various languages and device types to accommodate diverse user needs.

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Multilingual Support: AI assistance in major languages.
User Interface: Designed for clear and consistent experiences across platforms.

13. Consumer rights in the EU

EU users benefit from additional protections under PSD2 and other European directives.

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Universal Access: Any legal EU resident has a right to a basic payment account.
No Card Surcharges: Merchants cannot charge extra for EU-issued cards.
Refund Rights: Direct debits can be contested within 8 weeks.
Security & Authentication: Liability for unauthorized payments is capped at €50; strong customer authentication is mandatory.
Fair Pricing: Euro payments across borders must cost the same as local transactions.
Complaint Handling: Banks must reply to complaints within 15 business days. More info: https://europa.eu/!Bn34nv

14. Out-of-court dispute resolution(EU Specific)

Customers, especially in the EU, may access free legal assistance and out-of-court resolution for disputes.

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Ombudsman Access: Consumers can approach the Financial Ombudsman via www.rf.gov.pl or biuro@rf.gov.pl.
EU-Wide Platform: Use the Online Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/
Additional Channels: Mediation, arbitration, and complaint committees are recognized methods.
Regulators: Issues may also be submitted to the Financial Supervision Commission (FSC) or the Office of Competition and Consumer Protection (OCCP).
Consumer Ombudsman: Legal support available via municipal consumer offices.