Privacy notice, website terms of use, and regulatory disclosures for xL Consulting Group (Pty) Ltd. Written to be read, not skimmed past. Questions to compliance@xl-consulting-group.com.
xL Consulting Group (Pty) Ltd is a company registered in the Republic of Botswana, with its office at Plot 75472, Gaborone. We build IPA, the Interoperable Payments API. For anything in this notice, contact compliance@xl-consulting-group.com.
This website has no user accounts, sets no cookies of its own, and runs no advertising or analytics trackers. The personal data we receive through it is limited to what you choose to send us:
Like most websites, our hosting provider (Cloudflare Pages) and font provider (Google Fonts) receive standard technical request data — such as IP address and browser type — when pages and font files load. We do not receive or store that data ourselves.
To respond to your enquiry, to follow up on partnership, regulatory, technical, or press matters you raise, and to keep normal business records of correspondence. We do not sell personal data, share it for marketing, or use it for automated decision-making.
Correspondence is retained as a business record for as long as reasonably necessary for the purpose it was sent, and in line with our obligations under Botswana law, including the Data Protection Act. You may ask us to access, correct, or delete personal data we hold about you by writing to compliance@xl-consulting-group.com. We will respond within a reasonable period.
This website provides general information about xL Consulting Group and the IPA platform. It is informational only. Nothing on it constitutes an offer of payment services, financial advice, or an invitation to transact. Use of the IPA platform itself is governed by separate written agreements, not by these terms.
The xL name, the italic-x wordmark, and the content of this website are the property of xL Consulting Group (Pty) Ltd. You may reference and link to this website freely; please do not reproduce the brand marks without written permission.
We keep this website accurate and current, but it is provided "as is", without warranties of any kind. Product capabilities, participant references, and regulatory status descriptions reflect our position at the date of last update and may change. We are not liable for decisions taken in reliance on website content alone — for anything material, ask us directly.
These terms are governed by the laws of the Republic of Botswana, and the courts of Botswana have jurisdiction over any dispute arising from this website.
xL Consulting Group is engaged with the Bank of Botswana Regulatory Sandbox process. xL is not yet authorised to conduct live testing, to onboard customers, or to operate a payment system, and will not process live customer transactions unless and until the applicable authorisations are in place. Engagement with the sandbox is not a licence, approval or endorsement by the Bank of Botswana. Statements on this website about supervision, transaction flows, and platform capability describe the system as designed and tested, not a live commercial service. This disclosure was last reviewed on 22 September 2026.
References on this website to banks, mobile network operators, and payment service providers describe the interoperability scope IPA is designed for. They do not imply endorsement of xL Consulting Group by those institutions, nor a completed commercial agreement, unless expressly stated.
Nothing on this website is investment, legal, tax, or financial advice. Institutions evaluating IPA should rely on the documentation and agreements provided directly in the course of engagement, under the appropriate confidentiality arrangements.
We hold ourselves to a simple standard: this website should never claim something that is not currently true. If you believe anything on it is inaccurate or out of date, tell us at compliance@xl-consulting-group.com and we will correct it promptly.