Innovative Virtual IBAN Solutions for Global Business

Effective Date: 17/04/2025

MONNEO LTD is committed to protecting your privacy and maintaining the confidentiality of your personal information. This Privacy Policy explains our practices regarding data collection, processing, and protection.

Information Collection and Processing

We collect personal information necessary for providing our financial services, complying with regulatory requirements, and improving our service offerings. This may include identification information, contact details, financial information, and transaction data as required for anti-money laundering and know-your-customer compliance.

Use of Cookies

Our website utilizes cookies and similar technologies to enhance functionality, analyze usage patterns, and optimize user experience. These technologies collect device information and browsing activity to provide secure access to accounts and personalized services.

Information Sharing

We may share your information with third-party service providers who assist in our operations, regulatory bodies when legally required, and financial institutions involved in processing your transactions. All third parties are bound by strict confidentiality obligations.

Data Security

We implement robust technical, organizational, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. Our security measures are regularly reviewed and updated to address evolving threats.

Policy Updates

This Privacy Policy may be periodically revised to reflect changes in our practices or regulatory requirements. We will notify you of significant changes through our website or direct communication channels.

Your Rights

You have specific rights regarding your personal data, including access, correction, deletion, and data portability. For inquiries or to exercise these rights, please contact our Data Protection Officer at:

• MONNEO LTD
• FRP Advisory Trading Limited
• 110 Cannon Street
• London, EC4N 6EU
• United Kingdom
• Email: privacy@monneo.com
• Phone: +44 20 3129 3844

Company Information

MONNEO LTD
FRP Advisory Trading Limited
110 Cannon Street
London, EC4N 6EU
United Kingdom

Regulatory Authority

MONNEO LTD is authorized and regulated by the Financial Conduct Authority (FCA) in the United Kingdom.
Firm Reference Number (FRN): 802210

Authorizations and Registrations

Company Name: MONNEO LTD
Company Registration Number: 09688161
Jurisdiction: United Kingdom
VAT Registration: GB 236785970

Payment Services

• Execution of payment transactions, including transfers of funds on a payment account with the user's payment service provider or with another payment service provider.
• Execution of direct debits, including one-off direct debits, and execution of payment transactions through payment instruments.
• Issuing of payment instruments and/or acquiring of payment transactions.
• Money remittance services.
• Account information services.
• Currency exchange services connected to the provision of payment services.
• Operational and closely related ancillary services such as ensuring execution of payment transactions, foreign exchange services, safekeeping activities, and storage and processing of data.

Effective Date: 17/04/2025

These Terms of Service ("Terms") constitute a legally binding agreement between you, whether personally or on behalf of an entity ("Client"), and MONNEO LTD ("Company," "we," "us," or "our"), governing your access to and use of our financial services and platform available through our website and associated applications (collectively, the "Services"). By registering for an account, accessing, or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

We may modify these Terms at any time by posting updated versions on our website or through direct notification. Your continued use of our Services after any such changes constitutes your acceptance of the modified Terms. If you do not agree with any modifications, you must immediately cease using our Services.

2. Account Registration and Security

To access certain features of our Services, you must complete our registration process and satisfy our due diligence requirements under applicable anti-money laundering and counter-terrorism financing regulations. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must immediately notify us of any unauthorized use or security breach of your account.

You represent and warrant that: (1) all registration and due diligence information you submit is truthful, accurate, current, and complete; (2) you will maintain and promptly update such information; (3) you have the legal capacity to enter into these Terms; (4) you will comply with all applicable laws and regulations; and (5) your use of our Services will not violate any applicable law, regulation, or obligation.

3. Service Provisions

Our Services enable you to conduct financial transactions through virtual IBANs, process payments, manage currencies, and utilize related financial tools. We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time. Service availability may be subject to maintenance periods, system updates, or circumstances beyond our control.

All transactions processed through our Services are subject to verification, screening, and compliance monitoring in accordance with applicable financial regulations. We may delay, hold, or refuse transactions that we reasonably believe may violate any law, regulation, or our compliance policies.

4. Fees and Charges

The fees applicable to our Services are set forth in our Fee Schedule, which is available in your account dashboard. We reserve the right to change our fees and will provide notice of any material changes. By using our Services, you agree to pay all applicable fees and charges as they become due.

5. Limitations of Liability

To the maximum extent permitted by law, MONNEO LTD shall not be liable for any indirect, incidental, special, consequential, or punitive damages, arising out of or relating to your use of our Services, including but not limited to, loss of profits, data, use, goodwill, or other intangible losses.