Terms And Conditions
Terms and Conditions
Effective Date: 1 May 2025
Company: moneyIN Global Inc.
Address: Suite 251, 207 Bank Street, Ottawa, ON, K2P 2N2, Canada
Contact: admin@moneyin.org
These Terms and Conditions (“Terms”) govern your access to and use of the products, services, platforms, applications, websites, and related tools (collectively, “Services”) provided by moneyIN Global Inc. (“moneyIN”, “we”, “us”, or “our”).
By registering for, accessing, or using any of our Services, you expressly confirm that you have read, understood, and accepted these Terms in full. You further agree to be bound by any future amendments or changes made to these Terms, whether or not you receive explicit notification, unless local law requires otherwise.
1. Use of Third-Party Banks, Partners, and Processors
You acknowledge that moneyIN may partner with or rely on third-party financial institutions, processors, correspondent banks, card networks, and telecommunications providers to deliver its services. These may include local or international partners.
We are not responsible for any delays, errors, regulatory interruptions, or failures caused by third-party partners. You agree to hold moneyIN harmless from any losses arising out of their actions or inactions.
2. Right to Suspend, Withhold, Freeze, or Terminate Access
moneyIN reserves the right, at its sole discretion and without prior notice, to suspend, restrict, freeze, or terminate any user account or access to specific Services in the event of:
Suspected fraud or misuse of the platform
Violation of these Terms or related policies
Regulatory non-compliance or legal request
Incomplete KYC, falsified documentation, or identity concerns
Suspicious behaviour or high-risk activity
We may also:
Freeze funds temporarily pending investigation or regulatory reporting
Request additional KYC/AML documents at any time
Decline or cancel transactions without explanation
Retain security deposits or float where applicable
No claim or legal action may be taken against moneyIN or its affiliates as a result of any such actions.
3. FX Fees, Markups, and Currency Processing
Foreign exchange (FX) services provided by moneyIN are priced as follows:
Base rates are determined using the XE.com rate as the reference estimate only,
A standard markup of 1% is applied unless otherwise agreed in writing
Additional FX margins may apply in certain jurisdictions or high-risk currencies
All rates and charges are displayed clearly before you confirm a transaction
Custom FX arrangements can be made by contacting your Account Specialist
All FX transactions are final and cannot be reversed once confirmed. Delays in conversion or settlement caused by third-party banks or network congestion are not the responsibility of moneyIN.
4. Card Processing and Custom Pricing
Card processing fees vary based on the country, network, and transaction type. These fees are additional to any platform or FX charges and are communicated to users before confirmation.
For special services (e.g., VIP card issuance, large-scale remittances, partner APIs), fees may be customized. Please contact your Account Specialist for a quote.
5. Security Deposit & Float Withholding
To mitigate fraud and chargebacks, a security float of 15% may be applied to certain transactions, such as wallet top-ups or card usage. This amount is:
Withheld for a standard period of 185 days
May be retained longer at moneyIN’s discretion
Forfeited if the client breaches these Terms or fails to deliver on agreed transactions
Clients waive all rights to reclaim such floats in the event of misconduct, fraud, or non-compliance.
moneyIN reserves the right to impose additional deposits, holdbacks, or liquidity thresholds without prior consent.
6. Cryptocurrency & Digital Assets
Cryptocurrency services (including buy/sell, swaps, or stablecoin payouts) are subject to:
High volatility and irreversible settlement rules
Third-party exchange liquidity and infrastructure
Network congestion or service disruption risks
You accept full risk and responsibility for using crypto-related features. Transactions are final and cannot be reversed once initiated. Fee can be discussed with your account specialist.
7. Responsibility for Information and Irrecoverable Losses
You are solely responsible for the accuracy of:
Wallet addresses
Beneficiary details
Uploaded identification
Transaction references
moneyIN is not liable for any losses due to:
Input errors or expired documents
Incorrect recipient details
Rejections caused by incomplete onboarding
Regulatory blockages or delays
We are not obligated to retrieve, reverse, or compensate for such losses.
8. Prohibited Conduct
The following activities are strictly forbidden:
Fraud, theft, impersonation, or submission of fake documents
Using stolen cards, identities, or payment credentials
Harassment or threats to our staff or partners
Attempting to reverse engineer or exploit the platform
Transactions in or from sanctioned jurisdictions
Money laundering, terrorist financing, or illegal activity
moneyIN will terminate access immediately and report misconduct to law enforcement when necessary.
9. Airtime, Reloads, and Gift Cards
Airtime recharges, mobile top-ups, and gift card purchases are fulfilled via external partners and are:
Final and non-refundable
Dependent on telecom network and local operators
Delivered based on the information you provide
moneyIN is not liable for failures or delays caused by incorrect numbers, operator outages, or region-specific restrictions.
10. No Warranty & Limitation of Liability
Services are provided on an “as is” and “as available” basis. We make no warranties regarding uptime, availability, performance, or continuity.
To the fullest extent permitted by law, moneyIN disclaims all liability for:
Indirect or consequential damages
Loss of profit, data, business opportunity, or goodwill
Delays or errors caused by third-party providers or regulators
Use of the platform is at your own risk.
11. Indemnification
You agree to fully indemnify, defend, and hold harmless moneyIN Global Inc., its affiliates, directors, employees, and partners from any claim, liability, damage, or legal expense arising from:
Your breach of these Terms
Your use or misuse of our Services
Disputes with third parties facilitated by the platform
Regulatory or legal actions caused by your conduct
You further waive any claim against moneyIN or its partners for:
Withheld floats
Account termination
Transaction delays or cancellations
12. Governing Law and Jurisdiction
These Terms are governed by the laws of the Province of Ontario, Canada. You agree to submit to the exclusive jurisdiction of Ontario’s courts, unless otherwise required by local law.
13. Acceptance and Future Amendments
By registering for or using any moneyIN service, you:
Confirm you have read and agree to these Terms
Accept that these Terms may be updated or changed without prior notice
Waive any objection to future amendments if you continue using the platform after such changes are published
Agree that it is your responsibility to regularly review the Terms available at www.moneyin.org/terms
moneyIN reserves the full right to revise, suspend, or modify any aspect of its Services or policies at its sole discretion.
No action or claim shall be brought against moneyIN Global Inc. for exercising any of the rights outlined above.
Contact Us
📧 Email: admin@moneyin.org
📍 Suite 251, 207 Bank Street, Ottawa, ON, K2P 2N2, Canada
