The Company Moneliq Limited (company number 12213334) is registered in England and Wales with registered address 30 Moorgate Office 516, London, United Kingdom, EC2R 6DN. We are regulated by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations No. 901056.
These Terms and Conditions explain you the rules for using our website https://www.moneliq.com/ (our website).
By using our website, you confirm that you accept these Terms and Conditions and that you agree to comply with them. If you do not agree to these rules, you cannot use our website.
These Terms and Conditions refer to the following additional Policies, which also apply to your use of our website:

• Privacy Policy, which sets out the rules on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing, and you warrant that all data provided by you is accurate.
• Cookies Policy, which sets out information about the cookies on our website.

Please note that we can amend these Terms and Conditions from time to time. Please check this Policy to ensure you understand the rules that apply at that time.

We may update and change our website from time to time to reflect changes to our products, our users' needs, and our business priorities. We may suspend or withdraw our website. We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our website for business and operational reasons. We will try to give you reasonable notice of any major changes, suspension, or withdrawal.You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these Terms and Conditions and other applicable rules, and that they comply with them.

2.1. If you choose a user password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.We have the right to suspend your account using at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and ConditionsIf you know or suspect that anyone other than you, knows your user password, you must promptly notify us using the customer chat function on our site.

2.2. Unless otherwise stated, the copyright, trademarks, and other intellectual property rights in all material on our website (including without limitation text, tools, photographs, and graphical images) are owned by us or our licensors.You may not reproduce or adapt our website in whole or in part without our prior written consent, except for the purpose of accessing our products and/or services and for producing print outs for your own personal and non-commercial purposes. No part of our website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.Any use of our website other than in accordance with these Terms and Conditions is prohibited. If you breach any of these Terms and Conditions, your permission to use our website automatically terminates and you must immediately destroy any downloaded or printed extracts from our website.Any rights not expressly granted in these Terms and Conditions are reserved.

2.3. The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our website. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete, or up to date.

2.4. Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to our website shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material. We shall be free to copy, disclose, distribute, incorporate, and otherwise use such material and all data, images, sounds, text, and other things embodied in them for all commercial or non-commercial purposes.You must not post or transmit to or from our website any material: (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (b) for which you have not obtained all necessary licenses and/or approvals; or (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You may not misuse our website (including, without limitation, by hacking).We will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms and Conditions.

2.5. Links to third party websites on our website are provided solely for your convenience. If you use these links, you leave our website. We have not reviewed all these third-party websites and do not control and are not responsible for their content or availability. We do not endorse or make any representations about them, or any material found there. If you decide to access any of the third-party websites linked to our website, you do so entirely at your own risk.If you would like to link to our website, you may only do so on the basis that you link to, but do not replicate, the home page of our website, and subject to the following conditions: (a) you do not remove, distort or otherwise alter the size or appearance of the any images or logos; (b) you do not create a frame or any other browser or border environment around our website; (c) you do not in any way imply that the we are endorsing any products or services other than our own; (d) you do not misrepresent your relationship with us nor present any other false information about us; (e) you do not otherwise use any trademarks displayed on our website without our express written permission; (f) you do not link from a website that is not owned by you; and (g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations. We expressly reserve the right to revoke the right granted in this clause for breach of these Terms and Conditions and to take any action deem appropriate. You shall be responsible for any loss or damage suffered by us for breach of this clause.

2.6. Please remember that email is not a completely secure means of communication: it may be possible for others to intercept and read your messages. So, if you choose to send us information by email, it is at your own risk.

3.1. If you are a business user:

• we exclude all implied conditions, warranties, representations, or other terms that may apply to our website or any content on it
• we will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
  • use of, or inability to use, our website
  • use of or reliance on any content displayed on our website
• we will not be liable for:
  • loss of profits, sales, business, or revenue
  • business interruption
  • loss of anticipated savings
  • loss of business opportunity, goodwill, or reputation; or
  • any indirect or consequential loss or damage.

3.2. If you are a consumer user:

• please note that we only provide our website for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity
• if defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.

3.3. We have the right to remove any posting you make on our website if, in our opinion, your post does not comply with the content standards set out in these rules.

3.4. While our website is normally available 24 hours a day, we shall not be liable if for any reason our website is unavailable at any time. Access to our website may be suspended temporarily and without notice in the case of system failure, maintenance, or repair or for reasons beyond our control.We are not liable for losses or costs caused by abnormal and unforeseeable circumstances outside our reasonable control, which would have been unavoidable despite all efforts to the contrary, for example delays or failures caused by industrial action, problems with another system or network, third party viruses or malware, mechanical breakdown, or data-processing failures.

4.1. You may not use our services:

• in any way that breaches any applicable local, national, or international law or regulation, or causes Moneliq to breach any applicable law or regulation
• in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect
• for the purpose of harming or attempting to harm minors in any way
• for anything that is abusive, harmful, or does not comply with our content standards
• for any unsolicited or unauthorised advertising, promotional material, or any other form of spam
• to deal in harmful programs such as viruses, spyware, or similar computer code designed to adversely affect the operation of any computer software or hardware
• in any way that would locally or internationally evade any applicable taxes or facilitate tax evasion.

4.2. Unsupported businesses and transactionsWe do not support businesses or transactions which are involved in any of the following categories, such businesses or transactions may be declined. While this list is representative, it is not exhaustive, and we reserve our right to deny our services to any customers who exceed our risk tolerance:

• 1) Adult content
  • Pornography and other visual content depicting explicitly sexual acts
  • Services of sexual nature (webcam shows, live chats, prostitution, escorts, etc)
  • Sexually oriented establishments (massage parlours, strip clubs, gentleman’s clubs)
• 2) Cannabis
• 3) Certain controlled substances or other products that present a risk to consumer safety:
  • Smart drugs, nootropic supplements.
  • Substances that provide similar effects as illegal drugs (kratom, khat, etc.)
  • Anabolic steroids and peptides
• 4) Drug paraphernalia - Any equipment, product, or material which is intended for making, using, or concealing drugs
• 5) Pharmaceuticals:
  • Nutraceuticals, pseudo-pharmaceuticals, and other products which make unreasonable health claims not approved or verified by the applicable regulatory body
  • Online pharmacies
  • Prescription-only pharmaceutical drugs
  • Payments for the sale of pharmaceutical products to retail customers are not supported
• 6) Commodity chemicals
• 7) Counterfeit or unauthorised goods
  • Unauthorised sale of designer and/or brand products
  • Sale of illegally imported or exported goods
• 8) Intellectual property or proprietary rights infringement - any product or service that directly infringes or facilitates infringement upon the copyright, patent, trademark, trade secrets, proprietary, or privacy rights of any third party
• 9) Products and services which are not legal in the jurisdiction they are being offered in
• 10) Binary options
• 11) Shell banks
• 12) Superannuation funds
• 13) Syndicates
• 14) Any financial services operating without a licence where one is required
• 15) Individuals, entities, or countries subject to international sanctions
• 16) Weaponry, military and semi-military goods and services - weapons (including weapons of historic significance), military software, or any other goods or services intended for military use
• 17) Unregisterednon-profit organisations
• 18) Trade of restricted and/or endangered animal species and products derived from them
• 19) Multi-level marketing, pyramid schemes, get rich quick schemes, referral marketing - including any other services promising unreasonably high rewards.

These Terms and Conditions shall be governed by and construed in accordance with English law. Disputes arising in connection with these Terms and Conditions shall be subject to the exclusive jurisdiction of the English courts.