These Terms of Service ("Terms") govern your use of Moniezen's money transfer services. By creating an account or using our services, you agree to be bound by these Terms.
1. About Moniezen
Moniezen B.V. ("Moniezen," "we," "us," or "our") is a licensed financial services provider registered in the Netherlands. We provide international money transfer and currency exchange services through our digital platform.
Company Details
Legal Name: Moniezen B.V.
Registration: Dutch Chamber of Commerce (KvK) #12345678
License: DNB Payment Institution License #12345
Address: Herengracht 124, 1015 BT Amsterdam, Netherlands
2. Eligibility and Account Registration
Who Can Use Our Services
To use Moniezen, you must:
- Be at least 18 years old
- Have legal capacity to enter into contracts
- Provide accurate and complete registration information
- Not be located in a restricted jurisdiction
- Comply with all applicable laws and regulations
Account Verification
We are required by law to verify your identity before you can use our services. This includes:
- Government-issued photo identification
- Proof of address (utility bill, bank statement)
- Additional documentation as required for compliance
3. Our Services
Money Transfer Services
We offer the following services:
- International money transfers to 200+ countries
- Currency exchange at competitive rates
- Smart Transfer technology for faster processing
- Mobile and web-based platforms
Service Limitations
Our services are subject to:
- Daily, monthly, and annual transfer limits
- Recipient country restrictions
- Compliance with local and international regulations
- Business hours and processing times
4. Fees and Exchange Rates
Transparency Commitment
We believe in transparent pricing. All fees and exchange rates are clearly displayed before you confirm any transaction.
Transfer Fees
- Transfer fees vary by destination, amount, and payment method
- Fees are clearly displayed during the transaction process
- No hidden charges or surprise fees
- Fee schedules may be updated with 30 days' notice
Exchange Rates
- Real-time exchange rates based on market conditions
- Rates are guaranteed for 30 minutes after quote
- Small margin applied to cover currency conversion costs
- Rate comparisons available on our platform
5. User Obligations
Account Security
You are responsible for:
- Maintaining the confidentiality of your login credentials
- Using strong passwords and enabling two-factor authentication
- Promptly reporting any unauthorized account access
- Keeping your contact information up to date
Prohibited Uses
You may not use our services for:
- Illegal activities or transactions
- Money laundering or terrorist financing
- Sending money to sanctioned individuals or entities
- Gambling or adult entertainment services
- Cryptocurrency purchases or trading
- Business purposes without prior approval
6. Transaction Processing
Processing Times
Transaction Monitoring
All transactions are subject to compliance screening and may be delayed or rejected if they trigger security alerts. We reserve the right to request additional documentation or information.
Failed Transactions
- Refunds for failed transactions will be processed within 3-5 business days
- Currency conversion losses may apply for refunds
- We are not liable for delays caused by recipient bank issues
7. Limitations of Liability
Important Notice
Our liability is limited to the extent permitted by applicable law. We are not responsible for indirect, consequential, or punitive damages.
Service Availability
- Services may be temporarily unavailable for maintenance
- We strive for 99.9% uptime but cannot guarantee uninterrupted service
- Force majeure events may affect service availability
Maximum Liability
In no event shall our total liability exceed the amount of the transaction in question or €1,000, whichever is lower.
8. Suspension and Termination
Account Suspension
We may suspend your account if:
- You violate these Terms of Service
- Suspicious activity is detected on your account
- Additional verification is required
- Regulatory authorities require us to do so
Account Termination
Either party may terminate the service relationship with 30 days' written notice. We may terminate immediately for violations of these Terms.
9. Dispute Resolution
Customer Complaints
We have a formal complaints procedure. Contact our customer service team at info@moniezen.com or +31 20 123 4567.
Governing Law
These Terms are governed by Dutch law. Disputes will be resolved through Dutch courts or applicable alternative dispute resolution mechanisms.
10. Changes to Terms
We may update these Terms from time to time. Material changes will be communicated via email or platform notification at least 30 days before taking effect. Continued use of our services constitutes acceptance of updated Terms.
11. Contact Information