Standard Legal Agreement

TERMS OF
SERVICE

Effective: March 30, 2026
Updated: March 30, 2026
Version 2.0

PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE ACCESSING OR USING THE MONIEGRO PLATFORM. THESE TERMS CONSTITUTE A LEGALLY BINDING AGREEMENT BETWEEN YOU AND MONIEGRO. BY ACCESSING, REGISTERING FOR, OR USING THE PLATFORM IN ANY WAY, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE FULLY BOUND BY THESE TERMS. IF YOU DO NOT AGREE, YOU MUST IMMEDIATELY DISCONTINUE USE OF THE PLATFORM.

01

Definitions

The following defined terms are used throughout this Agreement and shall have the meanings set out below. References to the singular include the plural and vice versa, and references to any gender include all genders.

Agreement

means these Terms of Service together with the Privacy Policy, the Risk Disclosure Statement, and any other policies or addenda incorporated by reference herein, all as amended from time to time.

Activation Fee

means the non-refundable annual fee of USD $50 payable by Standard Plan users to activate and maintain access to the Platform for a twelve (12)-month period.

API Key

means the application programming interface credential generated by a Supported Exchange that grants the Platform restricted, execution-only access to a User’s Sub-Account for the sole purpose of placing and managing futures trades on the User’s behalf.

Elite Member

means an existing registered user of the Platform who has been designated by Moniegro as eligible to extend invitations to prospective new users.

Exchange

means any Supported Exchange to which a User connects the Platform via API Key, including but not limited to Bybit, Binance, OKX, Bitget, and MEXC.

Intellectual Property

means all patents, trademarks, service marks, trade names, copyrights, trade secrets, algorithms, software, source code, object code, documentation, know-how, and any other proprietary rights, whether registered or unregistered.

Invite-Only Access

means the exclusive access model under which use of the Platform is restricted to individuals who have received a valid invitation from an existing Elite Member.

Moniegro

“we,” “our,” or “us” means the operators of the Moniegro platform and all associated legal entities responsible for the provision of the Service.

Open Position

means any active futures trade that has been entered into on a User’s Exchange account through the Platform and that has not yet been closed, settled, or liquidated, including all associated floating profit or loss.

Performance Fee

means the fee equal to twenty percent (20%) of net profits generated on each profitable trade, deducted exclusively from the User’s Performance Wallet.

Performance Wallet

means a separate, designated capital pool held within the User’s Exchange account, isolated from trading capital, used exclusively for the settlement of Moniegro’s fees and charges.

Platform

means the Moniegro non-custodial automated futures trading execution system, including the website at www.moniegro.com, the dashboard, associated software, algorithms, APIs, and all related services.

Sub-Account

means a segregated account created within the User’s primary Exchange account for the exclusive purpose of connecting to the Platform via API Key.

User

“you” or “your” means any individual or entity that has received a valid invitation, registered for, and/or accesses or uses the Platform.

02

Acceptance of Terms and Eligibility

By accessing or using the Platform in any manner, including but not limited to browsing the website, creating an account, connecting an Exchange, or activating automated trading, you represent and warrant that you have read and agree to be legally bound by this Agreement in its entirety. If you are entering into this Agreement on behalf of a company, partnership, or other legal entity, you further represent and warrant that you have the full legal authority to bind that entity to these Terms, and all references to "you" or "your" shall apply equally to that entity.

To be eligible to use the Platform, you must satisfy all of the following conditions at all times during your use: you must be at least eighteen (18) years of age, or the age of legal majority in your jurisdiction if higher; you must have full legal capacity to enter into binding contracts under the laws of your jurisdiction; you must not be a resident of, or physically located in, any jurisdiction where automated trading services, cryptocurrency derivatives, or forex futures are prohibited by applicable law or regulation; you must not be listed on any government sanctions list, denied persons list, or be subject to any legal prohibition that would prevent you from lawfully receiving or using the Platform; you must hold a valid, active account on at least one Supported Exchange; and you must have received a valid, unexpired invitation from an existing Elite Member. Moniegro reserves the right to verify eligibility at any time and to suspend or terminate any account that fails to meet or ceases to satisfy these requirements.

03

Invite-Only Access and Elite Membership

The Platform operates exclusively on an invite-only basis. Access to Moniegro is not open to the general public and may only be obtained by receiving a valid, personal invitation issued by an existing Elite Member. An invitation may not be transferred, sold, assigned, or shared with any third party. Each invitation is issued for use by a specific individual only, and access granted on the basis of a transferred or fraudulently obtained invitation will be immediately revoked without notice or refund.

Elite Member status is designated solely at Moniegro’s discretion based on criteria including, but not limited to, account performance, platform tenure, community standing, and compliance history. Elite Members who issue invitations accept personal responsibility for ensuring that individuals they invite satisfy the eligibility requirements set out in Section 2 of this Agreement. Moniegro reserves the right to revoke Elite Member designation at any time for any reason, including but not limited to misuse of invitation privileges, violation of this Agreement, or conduct deemed detrimental to the Moniegro community. The granting of Elite Member status confers no contractual right, ownership interest, or entitlement to compensation of any kind, and such designation may be withdrawn at any time in Moniegro’s sole and absolute discretion.

04

Non-Custodial Nature of the Platform

Moniegro is fundamentally and irrevocably a non-custodial service. At no point does Moniegro take possession, custody, or control of any User funds. All assets, whether in the form of cryptocurrency, fiat equivalents, or any other digital or financial instrument held by a User, remain at all times within the User’s own Exchange account under the User’s sole and exclusive custody and control. Moniegro’s interaction with a User’s Exchange account is restricted entirely to the execution, monitoring, and management of futures trades via read and execute-only API Keys. Moniegro does not have, and is contractually prohibited from acquiring, any withdrawal, transfer, or deposit permissions on any User account under any circumstances.

By using the Platform, the User expressly acknowledges and agrees that Moniegro cannot and does not: hold, transfer, withdraw, or otherwise move any of the User’s trading capital or assets; take title to, possession of, or any beneficial interest in any User funds; act as a custodian, trustee, fiduciary, broker-dealer, investment manager, or financial institution of any kind; or issue any financial instrument, security, token, or claim backed by User funds. The non-custodial nature of the Platform is a fundamental characteristic of the service, and any misrepresentation by any third party that Moniegro holds or controls User funds is false and should be reported to Moniegro immediately.

05

Account Registration and API Key Security

5.1Account Registration

Following receipt of a valid invitation, you must complete the registration process by providing accurate, current, and complete information as prompted. You agree to maintain the accuracy of all registration information throughout the term of your account and to update it promptly upon any change. You are solely responsible for all activities that occur under your account, and Moniegro shall not be liable for any losses or damages arising from your failure to maintain the security of your account credentials.

5.2API Key Configuration and Obligations

To connect your Exchange account to the Platform, you are required to generate and provide an API Key from a Sub-Account on your chosen Exchange. You must configure your API Key strictly in accordance with Moniegro’s published instructions, and you represent and warrant at all times that the “Enable Withdrawals” option is, and shall remain, disabled on every API Key provided to the Platform. This is a non-negotiable requirement and a condition of continued access to the Platform. You further agree that API Keys shall be generated on a dedicated Sub-Account that does not hold assets beyond what is required for trading and fee settlement, that API Keys provided to Moniegro shall not be simultaneously provided to or used by any other automated trading service, that you will immediately revoke and replace any API Key that you reasonably believe has been compromised, and that you will notify Moniegro at security@moniegro.com without undue delay upon discovering any security breach, unauthorized access, or suspected compromise of your account or API credentials. Moniegro shall bear no liability for any trading losses, unauthorized transactions, or other damages arising from the User’s failure to properly configure, protect, or manage API Keys.

5.3API Key Deletion and Open Positions

Users must understand that it is not possible to delete, disconnect, or revoke an API Key through the Platform while any Open Positions remain active in the connected Exchange account or Sub-Account. This restriction exists because removal of the API Key while Open Positions are active would prevent the Platform’s algorithms from properly managing or closing those positions, which could result in uncontrolled losses for the User. Before initiating the deletion of an API Key, a User must ensure that all Open Positions in the connected Exchange account have been fully closed and settled. The process of closing Open Positions will cause the Platform to realize all floating profit or loss into actual, settled trade results. Once all positions are confirmed closed, the User must independently verify their Exchange futures account to confirm that no remaining Open Positions exist prior to proceeding with API Key deletion. Moniegro shall not be liable for any losses, liquidations, or adverse outcomes arising from a User’s attempt to remove API access while Open Positions remain, or from a User’s failure to independently verify the absence of Open Positions prior to disconnecting the Platform.

06

Performance Wallet

The Performance Wallet is a designated, segregated capital pool that the User establishes and maintains within their Exchange account, entirely separate from their primary trading capital. The Performance Wallet is used exclusively for the automatic settlement of Moniegro’s success-based Performance Fees and any other platform charges that may become due. The Performance Wallet is funded by the User from their own Exchange account balance and remains, at all times, within the User’s Exchange account, subject to the User’s custody. Moniegro has no ability to withdraw or transfer funds from the Performance Wallet; all fee deductions are processed automatically through the Platform’s algorithms within the confines of the User’s Exchange account. The Performance Wallet is not used for trading purposes and its balance does not directly affect trading positions. Users are solely responsible for maintaining sufficient funds in their Performance Wallet to cover accrued Performance Fees as they fall due. A failure to maintain an adequate Performance Wallet balance may result in the suspension of automated trading services without notice, and Moniegro shall not be liable for any missed trading opportunities, lost profits, or other damages arising from such a suspension.

07

Fees, Payments, and Non-Refundability

7.1Activation Fee

Access to the Standard Plan of the Platform requires payment of a non-refundable Activation Fee of USD $50 per year. The Activation Fee is due upon registration and must be paid in full before access to the Platform’s automated trading features is enabled. The Activation Fee covers platform access, infrastructure provisioning, dashboard access, and standard support services for a period of twelve (12) calendar months from the date of activation. Upon expiry of the annual period, continued access to the Platform requires renewal of the Activation Fee.

7.2Performance Fee

In addition to the Activation Fee, Moniegro charges a Performance Fee equal to twenty percent (20%) of the net profit generated on each individual profitable trade executed through the Platform. The Performance Fee is deducted automatically and exclusively from the User’s Performance Wallet upon the closing of each profitable trade. No Performance Fee is charged on trades that result in a net loss; fees are assessed solely on profitable outcomes. Users acknowledge that the Performance Fee structure incentivizes Moniegro’s interests to be fully aligned with the User’s trading performance.

7.3Enterprise Pricing

Users subscribing to the Enterprise Plan are subject to individually negotiated fee arrangements, which are documented in a separate Enterprise Service Agreement. Enterprise fees may differ materially from the Standard Plan fee structure, and volume-based discounts may apply. The Enterprise Service Agreement shall govern in the event of any conflict with these Terms with respect to Enterprise Plan pricing.

7.4Payment Methods

Moniegro accepts payment of the Activation Fee via supported payment methods as displayed at the time of checkout. Moniegro may, at its discretion, engage third-party payment processors to facilitate payment transactions. Where available, Moniegro may also accept cryptocurrency payments through supported digital asset payment rails. By submitting a payment, you authorize Moniegro and its designated payment processors to charge the full amount of the applicable fee to your chosen payment method. You are responsible for ensuring that your payment information is accurate and up to date, and for any applicable taxes, foreign transaction fees, or conversion charges imposed by your payment provider or financial institution.

7.5 Non-Refundability of All Fees

ALL FEES PAID TO MONIEGRO, INCLUDING BUT NOT LIMITED TO THE ACTIVATION FEE, RENEWAL FEES, PERFORMANCE FEES, AND ANY ENTERPRISE FEES, ARE STRICTLY NON-REFUNDABLE UNDER ALL CIRCUMSTANCES.

Once payment has been processed and accepted, no refund, credit, reversal, or partial return of any fee will be issued for any reason, including but not limited to: early termination of your account by you or by Moniegro; dissatisfaction with trading results or Platform performance; changes to the Platform’s features, fee structure, or supported exchanges; technical outages, connectivity issues, or third-party exchange downtime; or any other reason whatsoever. The non-refundability of fees is a material term of this Agreement, and by submitting payment, you expressly acknowledge and accept this condition. If you have any concerns about fees prior to payment, you are encouraged to contact support@moniegro.com before completing your purchase.

7.6Fee Changes

Moniegro reserves the right to revise its fee schedule at any time upon not less than thirty (30) days’ prior written notice to registered Users via email or in-Platform notification. Continued use of the Platform after the effective date of any fee revision shall constitute your acceptance of the revised fees. Any fee changes shall apply prospectively and shall not affect the Activation Fee already paid for the current annual period.

08

Risk Disclosure and Assumption of Risk

TRADING IN CRYPTOCURRENCY FUTURES AND FOREX FUTURES INVOLVES A VERY HIGH DEGREE OF RISK AND IS NOT APPROPRIATE FOR ALL INVESTORS OR TRADERS. THE LEVERAGE INHERENT IN FUTURES TRADING CAN RESULT IN LOSSES THAT SUBSTANTIALLY EXCEED YOUR INITIAL INVESTMENT. PAST PERFORMANCE OF THE PLATFORM, ITS ALGORITHMS, OR ANY HISTORICAL TRADING RESULTS PUBLISHED BY MONIEGRO IS NOT INDICATIVE OF FUTURE RESULTS AND CARRIES NO GUARANTEE WHATSOEVER.

By using the Platform, you expressly represent, acknowledge, and accept that you fully understand the risks associated with automated futures trading, including the risk of total loss of your trading capital; that cryptocurrency and forex markets are highly volatile and can move against open positions with extreme rapidity and without warning; that automated trading systems, including the Platform’s algorithms, may generate losses and are subject to technical failures, connectivity interruptions, and unforeseen market conditions; that the win rates and monthly return ranges published by Moniegro reflect historical performance data only and do not constitute a representation, warranty, or guarantee of future returns; that Moniegro is a software automation tool and is not a licensed broker, investment adviser, wealth manager, fund manager, or regulated financial institution of any kind; that no content on the Platform or in any communications from Moniegro constitutes financial advice, investment advice, tax advice, or legal advice; and that you are participating in the Platform with capital that you can afford to lose in its entirety, having obtained such independent professional advice as you consider appropriate. You agree that Moniegro shall bear no responsibility for any trading losses incurred through your use of the Platform, regardless of the cause.

09

Prohibited Conduct

The Platform is provided for lawful use only, and Users are strictly prohibited from using the Platform for any purpose or in any manner that is unlawful, harmful, abusive, fraudulent, or otherwise inconsistent with this Agreement. Without limiting the generality of the foregoing, you agree that you will not:

  • violate any applicable local, national, or international law, regulation, or legal order, including without limitation any laws governing securities, derivatives, financial instruments, anti-money laundering, counter-terrorism financing, or data protection;
  • attempt to access, probe, scan, or test the security, infrastructure, or source code of the Platform without Moniegro’s express prior written authorization;
  • circumvent, disable, or interfere with any authentication, security, access control, or rate-limiting mechanism of the Platform;
  • access or attempt to access any other User’s account, data, or API credentials without authorization;
  • use the Platform to execute, facilitate, or conceal any market manipulation strategy, wash trading, layering, spoofing, or any other deceptive trading practice;
  • reverse-engineer, decompile, disassemble, copy, reproduce, distribute, modify, adapt, or create derivative works of any part of the Platform or its Intellectual Property;
  • harvest, scrape, extract, or collect data from the Platform by any automated or manual means without Moniegro’s prior written consent;
  • use the Platform in connection with any money laundering, terrorist financing, sanctions evasion, or other illicit financial activity;
  • impersonate Moniegro, its personnel, Elite Members, or any other person or entity;
  • share, sell, transfer, or otherwise make available your invitation, account credentials, or API Keys to any third party; or
  • introduce any virus, malware, trojan, ransomware, or other harmful code or software into the Platform.

Any violation of this section may, in Moniegro’s sole discretion, result in immediate account suspension or termination, forfeiture of any unused fees, and referral to the appropriate law enforcement or regulatory authorities.

10

Intellectual Property

The Platform and all of its constituent elements, including but not limited to the trading algorithms, source code, object code, software architecture, user interface, visual design, graphics, logos, trademarks, service marks, trade names, documentation, data models, and any other content or functionality, are and shall remain the exclusive Intellectual Property of Moniegro or its licensors. Nothing in this Agreement shall be construed to transfer, assign, or convey any ownership interest, title, or Intellectual Property right to any User. Subject to your compliance with this Agreement, Moniegro grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform solely for its intended purpose and in strict accordance with this Agreement. Any use of the Platform’s Intellectual Property beyond the scope of this license is strictly prohibited and may constitute copyright infringement, misappropriation of trade secrets, or other actionable violations of applicable law for which Moniegro reserves all rights and remedies.

11

Disclaimers of Warranty

THE PLATFORM IS PROVIDED TO YOU ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MONIEGRO EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS. MONIEGRO DOES NOT WARRANT THAT THE PLATFORM WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS, THAT THE PLATFORM WILL OPERATE CONTINUOUSLY, WITHOUT INTERRUPTION, OR FREE FROM ERRORS, BUGS, OR DEFECTS, THAT ANY DEFECTS IN THE PLATFORM WILL BE CORRECTED, THAT THE PLATFORM OR ITS SERVERS ARE FREE FROM VIRUSES, MALICIOUS CODE, OR OTHER HARMFUL COMPONENTS, OR THAT THE PLATFORM WILL GENERATE ANY PARTICULAR LEVEL OF TRADING PERFORMANCE OR RETURN. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM MONIEGRO OR THROUGH THE PLATFORM SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT.

12

Limitation of Liability and Indemnification

12.1 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL MONIEGRO, ITS DIRECTORS, OFFICERS, EMPLOYEES, SHAREHOLDERS, AFFILIATES, AGENTS, CONTRACTORS, OR LICENSORS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR YOUR USE OF OR INABILITY TO USE THE PLATFORM, INCLUDING BUT NOT LIMITED TO TRADING LOSSES OF ANY AMOUNT OR KIND, LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, OR ANTICIPATED SAVINGS, LOSS OR CORRUPTION OF DATA, COST OF SUBSTITUTE GOODS OR SERVICES, EXCHANGE DOWNTIME OR API FAILURES, CONNECTIVITY INTERRUPTIONS, UNAUTHORIZED ACCESS TO YOUR ACCOUNT OR API KEYS, OR ERRORS OR OMISSIONS IN THE PLATFORM’S ALGORITHMS, EVEN IF MONIEGRO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN ANY CASE, MONIEGRO’S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING UNDER OR IN CONNECTION WITH THIS AGREEMENT SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL ACTIVATION FEES ACTUALLY PAID BY YOU TO MONIEGRO DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVE RISE TO THE CLAIM; OR (B) USD ONE HUNDRED DOLLARS ($100). THE LIMITATIONS IN THIS SECTION SHALL APPLY REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, STATUTE, OR OTHERWISE.

12.2 Indemnification

You agree to fully indemnify, defend, and hold harmless Moniegro and its directors, officers, employees, shareholders, affiliates, agents, and licensors (each, an “Indemnified Party”) from and against any and all claims, demands, actions, proceedings, liabilities, losses, damages, costs, penalties, fines, and expenses (including reasonable legal fees and disbursements) incurred by or asserted against any Indemnified Party arising out of or in connection with: your access to or use of the Platform; your breach of any representation, warranty, obligation, or covenant in this Agreement; your violation of any applicable law or regulation; any third-party claim arising from your trading activities, disputes with your Exchange, or use of your API Key; any fraud, gross negligence, or willful misconduct on your part; or your misrepresentation of any information provided to Moniegro. Moniegro reserves the right to assume exclusive control of the defense and settlement of any matter subject to indemnification, at your cost, and you agree to cooperate fully with such defense. You may not settle any indemnified claim without Moniegro’s prior written consent.

13

Term and Termination

This Agreement commences on the date you first access the Platform and shall continue until terminated in accordance with this section. You may terminate your account at any time by contacting Moniegro at support@moniegro.com with a written termination request. Upon voluntary termination, automated trading activity associated with your account will be deactivated following the API Key deletion procedure described in Section 5.3, subject to the requirement that all Open Positions be closed prior to disconnecting the Platform. No refund of the Activation Fee or any other fee will be issued upon voluntary termination, regardless of the remaining portion of the annual period or any other circumstance, as all fees are strictly non-refundable pursuant to Section 7.5.

Moniegro reserves the right to suspend or terminate your access to the Platform, in whole or in part, at any time, with or without prior notice, and with or without cause, including but not limited to: your actual or suspected breach of any provision of this Agreement; your failure to satisfy or maintain the eligibility requirements set out in Section 2; fraudulent, abusive, or illegal activity associated with your account; failure to maintain adequate Performance Wallet balance; legal, regulatory, or compliance requirements; or Moniegro’s decision to discontinue or modify the Platform in any manner. Moniegro shall not be liable to you or any third party for any damages, losses, or costs arising from such suspension or termination. Upon termination for any reason, all rights and licenses granted to you under this Agreement shall immediately and automatically cease. The following sections shall survive termination of this Agreement: Section 1 (Definitions), Section 7.5 (Non-Refundability), Section 8 (Risk Disclosure), Section 10 (Intellectual Property), Section 11 (Disclaimers), Section 12 (Limitation of Liability and Indemnification), Section 14 (Confidentiality), and Section 15 (Governing Law).

14

Confidentiality

The Platform, including its algorithms, trading logic, performance data, system architecture, pricing models, and business processes, contains proprietary and confidential information belonging to Moniegro. You agree to treat all such information as strictly confidential and to refrain from disclosing, reproducing, sharing, or using any such information for any purpose other than your authorized use of the Platform. This obligation of confidentiality shall survive termination of your account and this Agreement for a period of five (5) years, or indefinitely with respect to any information that constitutes a trade secret under applicable law.

15

Governing Law and Dispute Resolution

This Agreement and any dispute, controversy, or claim arising out of or in connection with it or its subject matter, formation, validity, breach, or termination shall be governed by and construed in accordance with applicable law, without giving effect to any conflict of law principles that would require the application of the laws of any other jurisdiction. In the event of any dispute arising under or in connection with this Agreement, the parties agree to first attempt to resolve the dispute through good-faith negotiation for a period of not less than thirty (30) days following written notice of the dispute by one party to the other. If the dispute remains unresolved following the negotiation period, the parties agree to submit the dispute to binding arbitration administered in accordance with the arbitration rules of a recognized arbitration institution, with proceedings to be conducted in English. The arbitrator’s award shall be final and binding upon both parties and may be entered as a judgment by any court of competent jurisdiction. You irrevocably waive any right to bring or participate in any class action lawsuit, class-wide arbitration, or any representative proceeding against Moniegro, and all claims must be brought solely on an individual basis.

16

Modifications to this Agreement

Moniegro reserves the right to modify, amend, or supplement this Agreement at any time. For material changes, Moniegro will provide not less than fourteen (14) days’ prior notice to registered Users via email to the address on file and/or through a prominent notice on the Platform. Non-material changes, including clarifications, corrections, or additions that do not adversely affect Users’ rights, may be made without prior notice and shall take effect immediately upon posting. The most current version of this Agreement shall always be available at www.moniegro.com/terms, and the date of the last update shall be indicated at the top of the document. Your continued use of the Platform after the effective date of any modification shall constitute your full acceptance of the updated Agreement. If you do not agree to any modification, your sole remedy is to discontinue use of the Platform and terminate your account.

17

General Provisions

This Agreement, together with the Privacy Policy, Risk Disclosure Statement, and any other policies incorporated by reference herein, constitutes the entire agreement between you and Moniegro with respect to your use of the Platform and supersedes all prior and contemporaneous agreements, representations, warranties, negotiations, and understandings, whether written or oral, relating to its subject matter. If any provision of this Agreement is found by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or if it cannot be modified, it shall be severed from this Agreement, and the remaining provisions shall continue in full force and effect. The failure of Moniegro to enforce any right or provision of this Agreement shall not constitute a waiver of that right or provision. No waiver by Moniegro of any breach or default shall be deemed a waiver of any subsequent breach or default. You may not assign or transfer any of your rights or obligations under this Agreement without Moniegro’s prior written consent. Moniegro may freely assign or transfer its rights and obligations under this Agreement in connection with a merger, acquisition, sale of assets, change of control, or by operation of law. Any notices required or permitted under this Agreement shall be in writing and delivered to Moniegro at legal@moniegro.com or to you at the email address associated with your account.

18

Contact Information

If you have any questions, concerns, or requests relating to these Terms of Service or your use of the Platform, please contact Moniegro using the details below. Our team is committed to responding to all legal and compliance inquiries in a timely and professional manner.

Direct Access

  • General Supportsupport@moniegro.com
  • Legal Inquirieslegal@moniegro.com

Digital Governance

  • Privacy & Dataprivacy@moniegro.com
  • Official Websitewww.moniegro.com

BY USING THE MONIEGRO PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THESE TERMS OF SERVICE IN THEIR ENTIRETY.

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