Terms of Service

PLEASE READ THESE TERMS CAREFULLY before using MonxoBank. By accessing or using our services, you agree to be bound by these Terms of Service.

1. Acceptance of Terms

By creating an account, accessing, or using MonxoBank's website, mobile applications, or any related services (collectively, the "Services"), you agree to comply with and be legally bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not access or use the Services.

2. Eligibility

To use our Services, you must:

• Be at least 18 years of age (or the age of legal majority in your jurisdiction)
• Be a legal resident of a supported country
• Have the legal capacity to enter into a binding agreement
• Not be located in, or a resident of, any restricted territory
• Not be on any sanctions list or prohibited from using financial services
• Complete our identity verification process successfully

3. Account Registration

When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access

4. Services Description

MonxoBank provides the following services:

• Cryptocurrency exchange and trading
• Digital wallet services
• Fiat currency deposits and withdrawals
• Virtual debit card issuance
• Crypto staking and rewards programs
• Business banking solutions
• API access for developers

5. Fees and Charges

You agree to pay all fees associated with your use of the Services. Our current fee schedule is available at https://monxobank.com/fees.php. We reserve the right to modify our fees with 30 days' notice to you.

6. Prohibited Activities

You agree NOT to use the Services for:

• Money laundering, terrorist financing, or sanctions violations
• Fraud, theft, or any illegal activities
• Market manipulation or insider trading
• Purchasing illegal goods or services
• Transmitting malware, viruses, or harmful code
• Attempting to gain unauthorized access to our systems
• Abusing referral programs or promotional offers
• Any activity that violates applicable laws or regulations

7. Risks of Cryptocurrency

You acknowledge and understand that:

• Cryptocurrency values can be extremely volatile
• Past performance does not guarantee future results
• Cryptocurrency transactions are generally irreversible
• Regulatory treatment of cryptocurrencies varies by jurisdiction
• You may lose all or part of your investment
• You should only invest what you can afford to lose

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MONXOBANK SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR ACCESS TO OR USE OF THE SERVICES.

9. Indemnification

You agree to defend, indemnify, and hold harmless MonxoBank, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, obligations, losses, liabilities, costs, or expenses arising from your use of the Services or violation of these Terms.

10. Termination

We may terminate or suspend your account immediately, without prior notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, us, or third parties. Upon termination, your right to use the Services will immediately cease.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

12. Dispute Resolution

Any disputes arising from these Terms or use of the Services shall be resolved through binding arbitration in accordance with the American Arbitration Association rules, except where prohibited by law.

13. Contact

For questions about these Terms, please contact us at: