Terms of Service

Acceptance of Terms

By accessing and using Moni’s services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

Service Description

Moni provides digital payment and money transfer services, including:

• Cross-border money transfers
• Digital wallet functionality
• QR code payment processing
• Financial technology solutions

Eligibility

To use our services, you must:

• Be at least 18 years old
• Have legal capacity to enter into agreements
• Comply with all applicable laws and regulations
• Provide accurate and complete information

Account Registration

Account Creation

• You must provide accurate, current, and complete information
• You are responsible for maintaining the security of your account
• You must notify us immediately of any unauthorized use

Account Security

• Keep your login credentials confidential
• Enable two-factor authentication when available
• Report suspicious activity immediately

Acceptable Use

Permitted Activities

• Legitimate financial transactions
• Personal and business payments
• Compliance with applicable laws

Prohibited Activities

• Money laundering or terrorist financing
• Fraudulent transactions
• Violation of sanctions or embargoes
• Illegal activities or transactions

Fees and Charges

Transaction Fees

• Fees are clearly displayed before each transaction
• Fees may vary based on transfer amount and destination
• All fees are non-refundable once a transaction is initiated

Additional Charges

• Currency conversion fees may apply
• Third-party fees may be charged by banks or payment processors
• We will disclose all applicable fees upfront

Transaction Limits

Daily Limits

• Maximum daily transfer amount: $10,000
• Maximum daily transaction count: 50
• Limits may vary based on account verification level

Monthly Limits

• Maximum monthly transfer amount: $100,000
• Maximum monthly transaction count: 500

Dispute Resolution

Transaction Disputes

• Report disputes within 30 days of the transaction
• We will investigate and respond within 10 business days
• Provide all relevant documentation and evidence

Resolution Process

• Informal resolution through customer support
• Formal dispute resolution if informal methods fail
• Arbitration for unresolved disputes

Liability and Indemnification

Our Liability

• We are not liable for indirect, incidental, or consequential damages
• Our total liability is limited to the amount of fees paid
• We are not liable for third-party actions or failures

Your Indemnification

• You agree to indemnify us against claims arising from your use
• You are responsible for compliance with applicable laws
• You must cooperate with our investigations

Termination

Account Termination

• We may terminate accounts for violations of these terms
• You may close your account at any time
• Outstanding obligations must be fulfilled before termination

Service Suspension

• We may suspend services for security or compliance reasons
• Suspension will be lifted once issues are resolved
• We will provide notice of suspension when possible

Changes to Terms

Modification Process

• We may modify these terms at any time
• Changes will be effective 30 days after posting
• Continued use constitutes acceptance of changes

Notification

• We will notify you of material changes
• Check our website regularly for updates
• Contact us if you have questions about changes

Governing Law

These terms are governed by the laws of the jurisdiction where Moni is incorporated, without regard to conflict of law principles.

Contact Information

For questions about these Terms of Service, contact us at:

Email: legal@moni.com
Address: 123 Financial Street, Tech City, TC 12345
Phone: +1 (555) 123-4567

Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will remain in full force and effect.