These Terms of Use ("Terms") govern your access to and use of the Monepik Website and services. By accessing or using this Website, you agree to be bound by these Terms. If you do not agree with these Terms, please discontinue use of the Website immediately.

Company Information

Company Name: Monepik

Website: www.monepik.com

Registered Address:

14/F
CHINA HONG KONG TOWER
8 HENNESSY ROAD
Wan Chai
Hong Kong

Contact Number: +44 75 7547 5399

Use of the Website

You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of others. You must not:

• Use the Website for fraudulent or illegal activities.

• Attempt to gain unauthorized access to any systems or networks.

• Distribute malware, viruses, or harmful software.

• Interfere with the operation, security, or functionality of the Website.

Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, designs, trademarks, and software, is the property of Monepik or its licensors and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, publish, or otherwise exploit any content without prior written permission from Monepik.

Service Disclaimer

The Website and services are provided on an "as is" and "as available" basis.

We make no representations or warranties regarding:

• Continuous availability of the Website.

• Error-free operation.

• Accuracy, completeness, or reliability of content.

• Fitness for a particular purpose.

We reserve the right to modify, suspend, or discontinue any aspect of the Website or services at any time without notice.

Limitation of Liability

To the fullest extent permitted by applicable law, Monepik shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from or related to your use of the Website or services.

This includes, without limitation, loss of profits, revenue, business opportunities, goodwill, data, or reputation.

User Responsibilities

You are responsible for:

• Providing accurate and complete information when requested.

• Maintaining the confidentiality of any login credentials.

• Ensuring your use of the Website complies with all applicable laws and regulations.

• Reviewing and understanding any third-party terms that may apply to services introduced through the Website.

Third-Party Services

The Website may contain links to or integrations with third-party websites, products, or services.

Monepik does not control and is not responsible for the content, availability, security, performance, or policies of any third-party services. Your use of such services is entirely at your own risk and subject to their respective terms and policies.

Compliance Disclaimer

Monepik operates as an independent financial consultancy and introducer. We do not directly provide regulated financial services, including banking, payment processing, investment services, electronic money services, or financial advisory services. Instead, we work with a network of third-party banks, payment service providers (PSPs), electronic money institutions (EMIs), acquirers, and other financial institutions and may introduce clients to such providers where appropriate. Any services ultimately provided are delivered by the relevant third-party provider and remain subject to that provider's own terms, regulatory obligations, approval processes, and compliance requirements.

We do not guarantee:

• Regulatory approvals

• Licensing outcomes

• Account openings

• Merchant onboarding decisions

• Acceptance by banks, PSPs, EMIs, acquirers, or other providers

All legal, regulatory, compliance, and operational responsibilities remain solely with the client and the relevant third-party providers.

All information provided by Monepik is for informational purposes only and does not constitute legal, financial, investment, tax, or regulatory advice.

Termination

We reserve the right to suspend, restrict, or terminate access to the Website or services at any time, with or without notice, if we believe these Terms have been violated or if required by law.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Hong Kong, without regard to conflict of law principles.

Any disputes arising from or relating to these Terms shall be subject to the exclusive jurisdiction of the courts of Hong Kong.

Changes to These Terms

We may update or modify these Terms at any time without prior notice.

The revised version will become effective immediately upon publication on the Website. Continued use of the Website after any changes constitutes acceptance of the updated Terms.

Contact

For questions regarding these Terms, please contact us through our Website or contact number provided above.