> For the complete documentation index, see [llms.txt](https://neobank.gitbook.io/neo-pay.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://neobank.gitbook.io/neo-pay.com/legal.md).

# Legal

- [Privacy Policy](https://neobank.gitbook.io/neo-pay.com/legal/privacy-policy.md): Data Privacy Notice
- [Terms and Conditions](https://neobank.gitbook.io/neo-pay.com/legal/terms-and-conditions.md): Updated 18/08/2025
- [Ensuring User Privacy and Security](https://neobank.gitbook.io/neo-pay.com/legal/ensuring-user-privacy-and-security.md): Updated: 03.06.2025
- [Complaints Policy](https://neobank.gitbook.io/neo-pay.com/legal/complaints-policy.md): Updated: 03.06.2025
- [AML Policy](https://neobank.gitbook.io/neo-pay.com/legal/aml-policy.md): Updated 15/07/2025
- [Governance & Regulatory Framework](https://neobank.gitbook.io/neo-pay.com/legal/governance-and-regulatory-framework.md): Updated 15/07/2025
- [FEE SCHEDULE](https://neobank.gitbook.io/neo-pay.com/legal/fee-schedule.md): Updated 18.08.2025