Terms of Service

1. Acceptance of Terms

By accessing or using Moniea'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.

2. Service Description

Moniea provides cross-border money transfer services using blockchain technology. We facilitate transfers between different currencies and deliver funds directly to bank accounts.

3. User Responsibilities

You agree to:

• Provide accurate and complete information
• Maintain the security of your account
• Comply with all applicable laws and regulations
• Use the service only for lawful purposes
• Not engage in fraudulent or suspicious activities

4. Identity Verification (KYC)

To keep Moniea secure and compliant, we may need to verify your identity before you can send or receive larger amounts. Your transfer limits may depend on your account verification level and local regulations.

5. Transaction Monitoring

For security and compliance purposes, transfers may be reviewed or delayed in some cases. We reserve the right to refuse, cancel, or reverse any transaction that we believe violates these terms or applicable laws.

6. Fees and Charges

We charge a transparent fee for each transfer, which is clearly displayed before you confirm the transaction. Exchange rates are provided in real-time and may vary based on market conditions.

7. Transfer Times

Transfer times may vary depending on payment partners, banking systems, verification status, and local operating conditions. While we aim for 2-5 minute transfers, we cannot guarantee specific delivery times.

8. Refunds and Cancellations

If a transfer cannot be completed, any applicable refund process will follow our payment partner and compliance procedures. Refunds may take 5-10 business days to process.

9. Restricted Activities

Some transfers cannot be completed based on current corridor or compliance restrictions. We comply with all applicable sanctions and anti-money laundering regulations.

10. Limitation of Liability

Moniea is not liable for any indirect, incidental, special, or consequential damages arising from your use of our services. Our total liability is limited to the amount of fees paid for the specific transaction in question.

11. Changes to Terms

We may update these terms from time to time. We will notify you of any material changes by email or through the app. Your continued use of our services after such changes constitutes acceptance of the new terms.

12. Contact Us

If you have any questions about these Terms of Service, please contact us at legal@moniea.com