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About your Moneliq Account Your Moneliq Account allows you to hold, send or receive payments. The money held on your Moneliq Account does not expire other than when your account is closed, read these rules for more details. The money held on your Moneliq Account will not earn any interest. You may hold your money in any currencies which we support from time to time. You may withdraw money from your Moneliq Account at any time subject to certain conditions, please read these rules for more details. Certain limits may be placed on your Moneliq Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits. The money held on your Moneliq Account belongs to the person or legal entity which is registered as the Moneliq Account holder. Unless you have our consent in writing, you must not allow anyone to operate your Moneliq Account on your behalf. 4.2. We follow the requirements under the UK Electronic Money Regulations 2011 which are designed to ensure the safety of funds held in money accounts like your Moneliq Account. 4.3. You may only use your Moneliq Account Number to receive funds into your Moneliq Account for the following purposes: receiving your own salary and/or wages receiving payouts from e-commerce and freelancer platforms receiving payments from family, friends, or other people you know for personal purposes receiving payments from your clients and other third parties for the purpose of business payments orders processing by Moneliq side behalf of you Please note that you may not use your personal Moneliq account to receive business payments. 4.4. Getting started Open a Moneliq Account. To start using our Services, you must open a Moneliq Account and provide your details as prompted. Information must be accurate. All information you provide to us must be complete, accurate and truthful always. You must update this information whenever it changes. We cannot be responsible for any financial loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents. Transacting on your own account. All activities under a Moneliq Account shall be deemed as activities carried out by the registered user. You shall only use the Services to transact on your own account and not on behalf of any other person or entity. One account per person or entity. You may only open one Moneliq Account unless we have agreed in writing the opening of additional accounts. The Company may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Moneliq may close or merge these duplicate accounts at its sole discretion. 4.5. Keep your Moneliq Account safe 4.5.1. What to do. You must: Change your password regularly and ensure that it isn’t reused across other online accounts. Contact our customer support if anyone asks for your Moneliq password. Set up 2-step authentication where prompted. Keep your e-mail account secure. You may reset your Moneliq Account password using your email address. Let our customer support knows immediately if your email address becomes compromised. 4.5.2. What NOT to do. You must NOT: Disclose your Moneliq Account password. Keep them safe. Let anyone access your Moneliq Account or watch you accessing it. Use any functionality that allows your login details or passwords to be stored by the computer or browser you are using or to be cached or otherwise recorded. Do anything which may in any way avoid or compromise the 2-step authentication process. 4.5.3. Contact us if you suspect your Moneliq Account has been compromised. If you suspect your Moneliq Account or other security credentials are stolen, lost, used without your authorisation, or otherwise compromised, you must contact our customer support immediately, you are also advised to change your password. Any undue delays in notifying us may affect the security of your Moneliq Account and result in you being responsible for financial losses. 4.5.4. You may authorise third parties to access your Moneliq Account to provide their services to you, including authorising them to initiate payments from your Moneliq Account. You acknowledge that if you authorise a third party to access your Moneliq Account, we may disclose certain information about your Moneliq Account to this third party. We are not responsible for any such third party’s use of your Moneliq Account or any information in your Moneliq Account. Granting permission to a third party does not relieve you of your responsibilities under this Agreement, including notifying us if your Moneliq Account has been compromised or if a transaction is incorrect or unauthorised. 4.6. Maintaining your Moneliq Account 4.6.1. All your transactions (including your current Balance, money you have received, sent and/or withdrawn) are recorded in the transaction history section of your Moneliq Account. You may access this information after you log in to your Moneliq Account. We have allocated a reference number to each transaction; you should quote this reference number when communicating with us about a particular transaction. 4.6.2. You must check your Moneliq Account regularly and carefully and contact us immediately if you don’t recognise a transaction or think we have made a payment incorrectly. 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Closing your Moneliq Account 4.7.1. You may end this Agreement and close your Moneliq Account at any time by contacting our customer support. 4.7.2. At the time of closure, if you still have money in your Moneliq Account, you must withdraw your money within a reasonable period by following the steps described in section 9. After a reasonable period, you will no longer have access to your Moneliq Account, but you can still withdraw your money by contacting our customer support. You have the right to do this for a period of 5 years from the date your Moneliq Account is closed. 4.7.3. You must not close your Moneliq Account to avoid an investigation. If you attempt to close your Moneliq Account during an investigation, we may hold your money until the investigation is fully completed to protect our or a third party’s interest. 4.7.4. 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About your Moneliq Account Your Moneliq Account allows you to hold, send or receive payments. The money held on your Moneliq Account does not expire other than when your account is closed, read these rules for more details. The money held on your Moneliq Account will not earn any interest. You may hold your money in any currencies which we support from time to time. You may withdraw money from your Moneliq Account at any time subject to certain conditions, please read these rules for more details. Certain limits may be placed on your Moneliq Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits. The money held on your Moneliq Account belongs to the person or legal entity which is registered as the Moneliq Account holder. Unless you have our consent in writing, you must not allow anyone to operate your Moneliq Account on your behalf. 4.2. We follow the requirements under the UK Electronic Money Regulations 2011 which are designed to ensure the safety of funds held in money accounts like your Moneliq Account. 4.3. You may only use your Moneliq Account Number to receive funds into your Moneliq Account for the following purposes: receiving your own salary and/or wages receiving payouts from e-commerce and freelancer platforms receiving payments from family, friends, or other people you know for personal purposes receiving payments from your clients and other third parties for the purpose of business payments orders processing by Moneliq side behalf of you Please note that you may not use your personal Moneliq account to receive business payments. 4.4. Getting started Open a Moneliq Account. To start using our Services, you must open a Moneliq Account and provide your details as prompted. Information must be accurate. All information you provide to us must be complete, accurate and truthful always. You must update this information whenever it changes. We cannot be responsible for any financial loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents. Transacting on your own account. All activities under a Moneliq Account shall be deemed as activities carried out by the registered user. You shall only use the Services to transact on your own account and not on behalf of any other person or entity. One account per person or entity. You may only open one Moneliq Account unless we have agreed in writing the opening of additional accounts. The Company may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Moneliq may close or merge these duplicate accounts at its sole discretion. 4.5. Keep your Moneliq Account safe 4.5.1. What to do. You must: Change your password regularly and ensure that it isn’t reused across other online accounts. Contact our customer support if anyone asks for your Moneliq password. Set up 2-step authentication where prompted. Keep your e-mail account secure. You may reset your Moneliq Account password using your email address. Let our customer support knows immediately if your email address becomes compromised. 4.5.2. What NOT to do. You must NOT: Disclose your Moneliq Account password. Keep them safe. Let anyone access your Moneliq Account or watch you accessing it. Use any functionality that allows your login details or passwords to be stored by the computer or browser you are using or to be cached or otherwise recorded. Do anything which may in any way avoid or compromise the 2-step authentication process. 4.5.3. Contact us if you suspect your Moneliq Account has been compromised. If you suspect your Moneliq Account or other security credentials are stolen, lost, used without your authorisation, or otherwise compromised, you must contact our customer support immediately, you are also advised to change your password. Any undue delays in notifying us may affect the security of your Moneliq Account and result in you being responsible for financial losses. 4.5.4. You may authorise third parties to access your Moneliq Account to provide their services to you, including authorising them to initiate payments from your Moneliq Account. You acknowledge that if you authorise a third party to access your Moneliq Account, we may disclose certain information about your Moneliq Account to this third party. We are not responsible for any such third party’s use of your Moneliq Account or any information in your Moneliq Account. Granting permission to a third party does not relieve you of your responsibilities under this Agreement, including notifying us if your Moneliq Account has been compromised or if a transaction is incorrect or unauthorised. 4.6. Maintaining your Moneliq Account 4.6.1. All your transactions (including your current Balance, money you have received, sent and/or withdrawn) are recorded in the transaction history section of your Moneliq Account. You may access this information after you log in to your Moneliq Account. We have allocated a reference number to each transaction; you should quote this reference number when communicating with us about a particular transaction. 4.6.2. You must check your Moneliq Account regularly and carefully and contact us immediately if you don’t recognise a transaction or think we have made a payment incorrectly. You must tell us about any unauthorised or incorrectly executed transactions immediately; otherwise, you may not be entitled to have any errors corrected. 4.6.3. If your Moneliq Account goes into a negative amount, including because of a chargeback, reversal of a transaction, deduction of fees or any other action carried by you or a third party, that negative amount represents an amount you owe to Moneliq and you promise to repay the negative amount immediately without any notice from us. We may send you reminders or take such other reasonable actions to recover the negative amount from you, for example, we may use a debt collection service or take further legal actions. We may charge you for any costs we may incur because of these collection efforts. 4.6.4. You are responsible for any taxes which may be applicable to payments you make or receive, and it is your responsibility to collect, report and pay the correct tax to the appropriate tax authority. 4.7. Closing your Moneliq Account 4.7.1. You may end this Agreement and close your Moneliq Account at any time by contacting our customer support. 4.7.2. At the time of closure, if you still have money in your Moneliq Account, you must withdraw your money within a reasonable period by following the steps described in section 9. After a reasonable period, you will no longer have access to your Moneliq Account, but you can still withdraw your money by contacting our customer support. You have the right to do this for a period of 5 years from the date your Moneliq Account is closed. 4.7.3. You must not close your Moneliq Account to avoid an investigation. If you attempt to close your Moneliq Account during an investigation, we may hold your money until the investigation is fully completed to protect our or a third party’s interest. 4.7.4. 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About your Moneliq Account\nYour Moneliq Account allows you to hold, send or receive payments.\nThe money held on your Moneliq Account does not expire other than when your account is closed, read these rules for more details.\nThe money held on your Moneliq Account will not earn any interest.\nYou may hold your money in any currencies which we support from time to time.\nYou may withdraw money from your Moneliq Account at any time subject to certain conditions, please read these rules for more details.\nCertain limits may be placed on your Moneliq Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits.\nThe money held on your Moneliq Account belongs to the person or legal entity which is registered as the Moneliq Account holder.\nUnless you have our consent in writing, you must not allow anyone to operate your Moneliq Account on your behalf.\n4.2. We follow the requirements under the UK Electronic Money Regulations 2011 which are designed to ensure the safety of funds held in money accounts like your Moneliq Account.\n4.3. You may only use your Moneliq Account Number to receive funds into your Moneliq Account for the following purposes:\nreceiving your own salary and/or wages\nreceiving payouts from e-commerce and freelancer platforms\nreceiving payments from family, friends, or other people you know for personal purposes\nreceiving payments from your clients and other third parties for the purpose of business payments\norders processing by Moneliq side behalf of you\nPlease note that you may not use your personal Moneliq account to receive business payments.\n4.4. Getting started\nOpen a Moneliq Account. To start using our Services, you must open a Moneliq Account and provide your details as prompted.\nInformation must be accurate. All information you provide to us must be complete, accurate and truthful always. You must update this information whenever it changes. We cannot be responsible for any financial loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents.\nTransacting on your own account. All activities under a Moneliq Account shall be deemed as activities carried out by the registered user. You shall only use the Services to transact on your own account and not on behalf of any other person or entity.\nOne account per person or entity. You may only open one Moneliq Account unless we have agreed in writing the opening of additional accounts. The Company may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Moneliq may close or merge these duplicate accounts at its sole discretion.\n4.5. Keep your Moneliq Account safe\n4.5.1. What to do. You must:\nChange your password regularly and ensure that it isn’t reused across other online accounts.\nContact our customer support if anyone asks for your Moneliq password.\nSet up 2-step authentication where prompted.\nKeep your e-mail account secure. You may reset your Moneliq Account password using your email address. Let our customer support knows immediately if your email address becomes compromised.\n4.5.2. What NOT to do. You must NOT:\nDisclose your Moneliq Account password. Keep them safe.\nLet anyone access your Moneliq Account or watch you accessing it.\nUse any functionality that allows your login details or passwords to be stored by the computer or browser you are using or to be cached or otherwise recorded.\nDo anything which may in any way avoid or compromise the 2-step authentication process.\n4.5.3. Contact us if you suspect your Moneliq Account has been compromised. If you suspect your Moneliq Account or other security credentials are stolen, lost, used without your authorisation, or otherwise compromised, you must contact our customer support immediately, you are also advised to change your password. Any undue delays in notifying us may affect the security of your Moneliq Account and result in you being responsible for financial losses.\n4.5.4. You may authorise third parties to access your Moneliq Account to provide their services to you, including authorising them to initiate payments from your Moneliq Account. You acknowledge that if you authorise a third party to access your Moneliq Account, we may disclose certain information about your Moneliq Account to this third party. We are not responsible for any such third party’s use of your Moneliq Account or any information in your Moneliq Account. Granting permission to a third party does not relieve you of your responsibilities under this Agreement, including notifying us if your Moneliq Account has been compromised or if a transaction is incorrect or unauthorised.\n4.6. Maintaining your Moneliq Account\n4.6.1. All your transactions (including your current Balance, money you have received, sent and/or withdrawn) are recorded in the transaction history section of your Moneliq Account. You may access this information after you log in to your Moneliq Account. We have allocated a reference number to each transaction; you should quote this reference number when communicating with us about a particular transaction.\n4.6.2. You must check your Moneliq Account regularly and carefully and contact us immediately if you don’t recognise a transaction or think we have made a payment incorrectly. You must tell us about any unauthorised or incorrectly executed transactions immediately; otherwise, you may not be entitled to have any errors corrected.\n4.6.3. If your Moneliq Account goes into a negative amount, including because of a chargeback, reversal of a transaction, deduction of fees or any other action carried by you or a third party, that negative amount represents an amount you owe to Moneliq and you promise to repay the negative amount immediately without any notice from us. We may send you reminders or take such other reasonable actions to recover the negative amount from you, for example, we may use a debt collection service or take further legal actions. We may charge you for any costs we may incur because of these collection efforts.\n4.6.4. You are responsible for any taxes which may be applicable to payments you make or receive, and it is your responsibility to collect, report and pay the correct tax to the appropriate tax authority.\n4.7. Closing your Moneliq Account\n4.7.1. You may end this Agreement and close your Moneliq Account at any time by contacting our customer support.\n4.7.2. At the time of closure, if you still have money in your Moneliq Account, you must withdraw your money within a reasonable period by following the steps described in section 9. After a reasonable period, you will no longer have access to your Moneliq Account, but you can still withdraw your money by contacting our customer support. You have the right to do this for a period of 5 years from the date your Moneliq Account is closed.\n4.7.3. You must not close your Moneliq Account to avoid an investigation. If you attempt to close your Moneliq Account during an investigation, we may hold your money until the investigation is fully completed to protect our or a third party’s interest.\n4.7.4. 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To set up a payment order via your Moneliq Account, you need to provide certain information to us including (a) the full name of your recipient, (b) your recipient’s bank account details or their Moneliq Account details and (c) amount to be transferred.Please note that we may place limits on the amount you may send per transfer. 7.2. If your payment order is received by us after 5pm on a Business Day or not on a Business Day, your payment order will be deemed received on the following Business Day. 7.3. Once we have received your payment order, we will display it under the Activity section of your Moneliq account. Each payment order is given a unique transaction number which you can find there. You should quote this number when communicating with us about a particular payment order. 7.4. We will only process your payment order if we hold or have received sufficient cleared funds in your Moneliq Account. It is your responsibility to fund your payment order in a timely manner. 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About your Moneliq Account Your Moneliq Account allows you to hold, send or receive payments. The money held on your Moneliq Account does not expire other than when your account is closed, read these rules for more details. The money held on your Moneliq Account will not earn any interest. You may hold your money in any currencies which we support from time to time. You may withdraw money from your Moneliq Account at any time subject to certain conditions, please read these rules for more details. Certain limits may be placed on your Moneliq Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits. The money held on your Moneliq Account belongs to the person or legal entity which is registered as the Moneliq Account holder. Unless you have our consent in writing, you must not allow anyone to operate your Moneliq Account on your behalf. 4.2. We follow the requirements under the UK Electronic Money Regulations 2011 which are designed to ensure the safety of funds held in money accounts like your Moneliq Account. 4.3. You may only use your Moneliq Account Number to receive funds into your Moneliq Account for the following purposes: receiving your own salary and/or wages receiving payouts from e-commerce and freelancer platforms receiving payments from family, friends, or other people you know for personal purposes receiving payments from your clients and other third parties for the purpose of business payments orders processing by Moneliq side behalf of you Please note that you may not use your personal Moneliq account to receive business payments. 4.4. Getting started Open a Moneliq Account. To start using our Services, you must open a Moneliq Account and provide your details as prompted. Information must be accurate. All information you provide to us must be complete, accurate and truthful always. You must update this information whenever it changes. We cannot be responsible for any financial loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents. Transacting on your own account. All activities under a Moneliq Account shall be deemed as activities carried out by the registered user. You shall only use the Services to transact on your own account and not on behalf of any other person or entity. One account per person or entity. You may only open one Moneliq Account unless we have agreed in writing the opening of additional accounts. The Company may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Moneliq may close or merge these duplicate accounts at its sole discretion. 4.5. Keep your Moneliq Account safe 4.5.1. What to do. You must: Change your password regularly and ensure that it isn’t reused across other online accounts. Contact our customer support if anyone asks for your Moneliq password. Set up 2-step authentication where prompted. Keep your e-mail account secure. You may reset your Moneliq Account password using your email address. Let our customer support knows immediately if your email address becomes compromised. 4.5.2. What NOT to do. You must NOT: Disclose your Moneliq Account password. Keep them safe. Let anyone access your Moneliq Account or watch you accessing it. Use any functionality that allows your login details or passwords to be stored by the computer or browser you are using or to be cached or otherwise recorded. Do anything which may in any way avoid or compromise the 2-step authentication process. 4.5.3. Contact us if you suspect your Moneliq Account has been compromised. If you suspect your Moneliq Account or other security credentials are stolen, lost, used without your authorisation, or otherwise compromised, you must contact our customer support immediately, you are also advised to change your password. Any undue delays in notifying us may affect the security of your Moneliq Account and result in you being responsible for financial losses. 4.5.4. You may authorise third parties to access your Moneliq Account to provide their services to you, including authorising them to initiate payments from your Moneliq Account. You acknowledge that if you authorise a third party to access your Moneliq Account, we may disclose certain information about your Moneliq Account to this third party. We are not responsible for any such third party’s use of your Moneliq Account or any information in your Moneliq Account. 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If you choose a user password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.We have the right to suspend your account using at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and ConditionsIf you know or suspect that anyone other than you, knows your user password, you must promptly notify us using the customer chat function on our site. 2.2. Unless otherwise stated, the copyright, trademarks, and other intellectual property rights in all material on our website (including without limitation text, tools, photographs, and graphical images) are owned by us or our licensors.You may not reproduce or adapt our website in whole or in part without our prior written consent, except for the purpose of accessing our products and/or services and for producing print outs for your own personal and non-commercial purposes. No part of our website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.Any use of our website other than in accordance with these Terms and Conditions is prohibited. If you breach any of these Terms and Conditions, your permission to use our website automatically terminates and you must immediately destroy any downloaded or printed extracts from our website.Any rights not expressly granted in these Terms and Conditions are reserved. 2.3. The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our website. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete, or up to date. 2.4. Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to our website shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material. We shall be free to copy, disclose, distribute, incorporate, and otherwise use such material and all data, images, sounds, text, and other things embodied in them for all commercial or non-commercial purposes.You must not post or transmit to or from our website any material: (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (b) for which you have not obtained all necessary licenses and/or approvals; or (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You may not misuse our website (including, without limitation, by hacking).We will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms and Conditions. 2.5. Links to third party websites on our website are provided solely for your convenience. If you use these links, you leave our website. We have not reviewed all these third-party websites and do not control and are not responsible for their content or availability. We do not endorse or make any representations about them, or any material found there. If you decide to access any of the third-party websites linked to our website, you do so entirely at your own risk.If you would like to link to our website, you may only do so on the basis that you link to, but do not replicate, the home page of our website, and subject to the following conditions: (a) you do not remove, distort or otherwise alter the size or appearance of the any images or logos; (b) you do not create a frame or any other browser or border environment around our website; (c) you do not in any way imply that the we are endorsing any products or services other than our own; (d) you do not misrepresent your relationship with us nor present any other false information about us; (e) you do not otherwise use any trademarks displayed on our website without our express written permission; (f) you do not link from a website that is not owned by you; and (g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations. We expressly reserve the right to revoke the right granted in this clause for breach of these Terms and Conditions and to take any action deem appropriate. You shall be responsible for any loss or damage suffered by us for breach of this clause. 2.6. Please remember that email is not a completely secure means of communication: it may be possible for others to intercept and read your messages. 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Company Moneliq Limited (company number 12213334) is registered in England and Wales with registered address 30 Moorgate Office 516, London, United Kingdom, EC2R 6DN. We are regulated by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations No. 901056. These Terms and Conditions explain you the rules for using our website https://www.moneliq.com/ (our website). By using our website, you confirm that you accept these Terms and Conditions and that you agree to comply with them. If you do not agree to these rules, you cannot use our website. These Terms and Conditions refer to the following additional Policies, which also apply to your use of our website: Privacy Policy, which sets out the rules on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing, and you warrant that all data provided by you is accurate. Cookies Policy, which sets out information about the cookies on our website. Please note that we can amend these Terms and Conditions from time to time. Please check this Policy to ensure you understand the rules that apply at that time. We may update and change our website from time to time to reflect changes to our products, our users' needs, and our business priorities. We may suspend or withdraw our website. We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our website for business and operational reasons. 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You may not use our services: in any way that breaches any applicable local, national, or international law or regulation, or causes Moneliq to breach any applicable law or regulation in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect for the purpose of harming or attempting to harm minors in any way for anything that is abusive, harmful, or does not comply with our content standards for any unsolicited or unauthorised advertising, promotional material, or any other form of spam to deal in harmful programs such as viruses, spyware, or similar computer code designed to adversely affect the operation of any computer software or hardware in any way that would locally or internationally evade any applicable taxes or facilitate tax evasion. 4.2. Unsupported businesses and transactions: We do not support businesses or transactions which are involved in any of the following categories, such businesses or transactions may be declined. While this list is representative, it is not exhaustive, and we reserve our right to deny our services to any customers who exceed our risk tolerance: 1) Adult content Pornography and other visual content depicting explicitly sexual acts Services of sexual nature (webcam shows, live chats, prostitution, escorts, etc) Sexually oriented establishments (massage parlours, strip clubs, gentleman’s clubs) 2) Cannabis 3) Certain controlled substances or other products that present a risk to consumer safety: Smart drugs, nootropic supplements. Substances that provide similar effects as illegal drugs (kratom, khat, etc.) Anabolic steroids and peptides 4) Drug paraphernalia - Any equipment, product, or material which is intended for making, using, or concealing drugs 5) Pharmaceuticals: Nutraceuticals, pseudo-pharmaceuticals, and other products which make unreasonable health claims not approved or verified by the applicable regulatory body Online pharmacies Prescription-only pharmaceutical drugs Payments for the sale of pharmaceutical products to retail customers are not supported 6) Commodity chemicals 7) Counterfeit or unauthorised goods Unauthorised sale of designer and/or brand products Sale of illegally imported or exported goods 8) Intellectual property or proprietary rights infringement - any product or service that directly infringes or facilitates infringement upon the copyright, patent, trademark, trade secrets, proprietary, or privacy rights of any third party 9) Products and services which are not legal in the jurisdiction they are being offered in 10) Binary options 11) Shell banks 12) Superannuation funds 13) Syndicates 14) Any financial services operating without a licence where one is required 15) Individuals, entities, or countries subject to international sanctions 16) Weaponry, military and semi-military goods and services - weapons (including weapons of historic significance), military software, or any other goods or services intended for military use 17) Unregisterednon-profit organisations 18) Trade of restricted and/or endangered animal species and products derived from them 19) Multi-level marketing, pyramid schemes, get rich quick schemes, referral marketing - including any other services promising unreasonably high rewards.","absoluteBoundingBox":{"x":25563.0,"y":6261.0,"width":343.0,"height":2400.0},"isolatedAbsoluteRenderBounds":{"x":25563.5,"y":6267.0,"width":341.583984375,"height":2391.4541015625},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,48.0]],"size":{"x":343.0,"y":2400.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0,"b":0.0,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[],"characters":"4.1. You may not use our services:\nin any way that breaches any applicable local, national, or international law or regulation, or causes Moneliq to breach any applicable law or regulation\nin any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect\nfor the purpose of harming or attempting to harm minors in any way\nfor anything that is abusive, harmful, or does not comply with our content standards\nfor any unsolicited or unauthorised advertising, promotional material, or any other form of spam\nto deal in harmful programs such as viruses, spyware, or similar computer code designed to adversely affect the operation of any computer software or hardware\nin any way that would locally or internationally evade any applicable taxes or facilitate tax evasion.\n4.2. Unsupported businesses and transactions: We do not support businesses or transactions which are involved in any of the following categories, such businesses or transactions may be declined. 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If you choose a user password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.We have the right to suspend your account using at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and ConditionsIf you know or suspect that anyone other than you, knows your user password, you must promptly notify us using the customer chat function on our site. 2.2. Unless otherwise stated, the copyright, trademarks, and other intellectual property rights in all material on our website (including without limitation text, tools, photographs, and graphical images) are owned by us or our licensors.You may not reproduce or adapt our website in whole or in part without our prior written consent, except for the purpose of accessing our products and/or services and for producing print outs for your own personal and non-commercial purposes. No part of our website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.Any use of our website other than in accordance with these Terms and Conditions is prohibited. If you breach any of these Terms and Conditions, your permission to use our website automatically terminates and you must immediately destroy any downloaded or printed extracts from our website.Any rights not expressly granted in these Terms and Conditions are reserved. 2.3. The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our website. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete, or up to date. 2.4. Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to our website shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material. We shall be free to copy, disclose, distribute, incorporate, and otherwise use such material and all data, images, sounds, text, and other things embodied in them for all commercial or non-commercial purposes.You must not post or transmit to or from our website any material: (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (b) for which you have not obtained all necessary licenses and/or approvals; or (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You may not misuse our website (including, without limitation, by hacking).We will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms and Conditions. 2.5. Links to third party websites on our website are provided solely for your convenience. If you use these links, you leave our website. We have not reviewed all these third-party websites and do not control and are not responsible for their content or availability. We do not endorse or make any representations about them, or any material found there. If you decide to access any of the third-party websites linked to our website, you do so entirely at your own risk.If you would like to link to our website, you may only do so on the basis that you link to, but do not replicate, the home page of our website, and subject to the following conditions: (a) you do not remove, distort or otherwise alter the size or appearance of the any images or logos; (b) you do not create a frame or any other browser or border environment around our website; (c) you do not in any way imply that the we are endorsing any products or services other than our own; (d) you do not misrepresent your relationship with us nor present any other false information about us; (e) you do not otherwise use any trademarks displayed on our website without our express written permission; (f) you do not link from a website that is not owned by you; and (g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations. We expressly reserve the right to revoke the right granted in this clause for breach of these Terms and Conditions and to take any action deem appropriate. You shall be responsible for any loss or damage suffered by us for breach of this clause. 2.6. Please remember that email is not a completely secure means of communication: it may be possible for others to intercept and read your messages. 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If you choose a user password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.We have the right to suspend your account using at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and ConditionsIf you know or suspect that anyone other than you, knows your user password, you must promptly notify us using the customer chat function on our site.\n2.2. Unless otherwise stated, the copyright, trademarks, and other intellectual property rights in all material on our website (including without limitation text, tools, photographs, and graphical images) are owned by us or our licensors.You may not reproduce or adapt our website in whole or in part without our prior written consent, except for the purpose of accessing our products and/or services and for producing print outs for your own personal and non-commercial purposes. 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Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete, or up to date.\n2.4. Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to our website shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material. We shall be free to copy, disclose, distribute, incorporate, and otherwise use such material and all data, images, sounds, text, and other things embodied in them for all commercial or non-commercial purposes.You must not post or transmit to or from our website any material: (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (b) for which you have not obtained all necessary licenses and/or approvals; or (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You may not misuse our website (including, without limitation, by hacking).We will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms and Conditions.\n2.5. Links to third party websites on our website are provided solely for your convenience. If you use these links, you leave our website. We have not reviewed all these third-party websites and do not control and are not responsible for their content or availability. We do not endorse or make any representations about them, or any material found there. If you decide to access any of the third-party websites linked to our website, you do so entirely at your own risk.If you would like to link to our website, you may only do so on the basis that you link to, but do not replicate, the home page of our website, and subject to the following conditions: (a) you do not remove, distort or otherwise alter the size or appearance of the any images or logos; (b) you do not create a frame or any other browser or border environment around our website; (c) you do not in any way imply that the we are endorsing any products or services other than our own; (d) you do not misrepresent your relationship with us nor present any other false information about us; (e) you do not otherwise use any trademarks displayed on our website without our express written permission; (f) you do not link from a website that is not owned by you; and (g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations. 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If you choose a user password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.We have the right to suspend your account using at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and ConditionsIf you know or suspect that anyone other than you, knows your user password, you must promptly notify us using the customer chat function on our site. 2.2. Unless otherwise stated, the copyright, trademarks, and other intellectual property rights in all material on our website (including without limitation text, tools, photographs, and graphical images) are owned by us or our licensors.You may not reproduce or adapt our website in whole or in part without our prior written consent, except for the purpose of accessing our products and/or services and for producing print outs for your own personal and non-commercial purposes. No part of our website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.Any use of our website other than in accordance with these Terms and Conditions is prohibited. If you breach any of these Terms and Conditions, your permission to use our website automatically terminates and you must immediately destroy any downloaded or printed extracts from our website.Any rights not expressly granted in these Terms and Conditions are reserved. 2.3. The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our website. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete, or up to date. 2.4. Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to our website shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material. We shall be free to copy, disclose, distribute, incorporate, and otherwise use such material and all data, images, sounds, text, and other things embodied in them for all commercial or non-commercial purposes.You must not post or transmit to or from our website any material: (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (b) for which you have not obtained all necessary licenses and/or approvals; or (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You may not misuse our website (including, without limitation, by hacking).We will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms and Conditions. 2.5. Links to third party websites on our website are provided solely for your convenience. If you use these links, you leave our website. We have not reviewed all these third-party websites and do not control and are not responsible for their content or availability. We do not endorse or make any representations about them, or any material found there. If you decide to access any of the third-party websites linked to our website, you do so entirely at your own risk.If you would like to link to our website, you may only do so on the basis that you link to, but do not replicate, the home page of our website, and subject to the following conditions: (a) you do not remove, distort or otherwise alter the size or appearance of the any images or logos; (b) you do not create a frame or any other browser or border environment around our website; (c) you do not in any way imply that the we are endorsing any products or services other than our own; (d) you do not misrepresent your relationship with us nor present any other false information about us; (e) you do not otherwise use any trademarks displayed on our website without our express written permission; (f) you do not link from a website that is not owned by you; and (g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations. We expressly reserve the right to revoke the right granted in this clause for breach of these Terms and Conditions and to take any action deem appropriate. You shall be responsible for any loss or damage suffered by us for breach of this clause. 2.6. Please remember that email is not a completely secure means of communication: it may be possible for others to intercept and read your messages. 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Access to our website may be suspended temporarily and without notice in the case of system failure, maintenance, or repair or for reasons beyond our control.We are not liable for losses or costs caused by abnormal and unforeseeable circumstances outside our reasonable control, which would have been unavoidable despite all efforts to the contrary, for example delays or failures caused by industrial action, problems with another system or network, third party viruses or malware, mechanical breakdown, or data-processing failures.","absoluteBoundingBox":{"x":25563.0,"y":4597.0,"width":343.0,"height":1584.0},"isolatedAbsoluteRenderBounds":{"x":25563.5,"y":4602.818359375,"width":341.693359375,"height":1575.63623046875},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,48.0]],"size":{"x":343.0,"y":1584.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0,"b":0.0,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[],"characters":" If you are a business user:\nwe exclude all implied conditions, warranties, representations, or other terms that may apply to our website or any content on it\nwe will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:\nuse of, or inability to use, our website\nuse of or reliance on any content displayed on our website\nwe will not be liable for:\nloss of profits, sales, business, or revenue\nbusiness interruption\nloss of anticipated savings\nloss of business opportunity, goodwill, or reputation; or\nany indirect or consequential loss or damage.\n3.2. If you are a consumer user:\nplease note that we only provide our website for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity\nif defective digital content that we have supplied, damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage that you could have avoided by following our advice to apply an update offered to you free of charge or for damage that was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us.\n3.3. 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If you choose a user password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.We have the right to suspend your account using at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and ConditionsIf you know or suspect that anyone other than you, knows your user password, you must promptly notify us using the customer chat function on our site. 2.2. Unless otherwise stated, the copyright, trademarks, and other intellectual property rights in all material on our website (including without limitation text, tools, photographs, and graphical images) are owned by us or our licensors.You may not reproduce or adapt our website in whole or in part without our prior written consent, except for the purpose of accessing our products and/or services and for producing print outs for your own personal and non-commercial purposes. No part of our website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.Any use of our website other than in accordance with these Terms and Conditions is prohibited. If you breach any of these Terms and Conditions, your permission to use our website automatically terminates and you must immediately destroy any downloaded or printed extracts from our website.Any rights not expressly granted in these Terms and Conditions are reserved. 2.3. The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our website. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete, or up to date. 2.4. Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to our website shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material. We shall be free to copy, disclose, distribute, incorporate, and otherwise use such material and all data, images, sounds, text, and other things embodied in them for all commercial or non-commercial purposes.You must not post or transmit to or from our website any material: (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (b) for which you have not obtained all necessary licenses and/or approvals; or (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You may not misuse our website (including, without limitation, by hacking).We will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms and Conditions. 2.5. Links to third party websites on our website are provided solely for your convenience. If you use these links, you leave our website. We have not reviewed all these third-party websites and do not control and are not responsible for their content or availability. We do not endorse or make any representations about them, or any material found there. If you decide to access any of the third-party websites linked to our website, you do so entirely at your own risk.If you would like to link to our website, you may only do so on the basis that you link to, but do not replicate, the home page of our website, and subject to the following conditions: (a) you do not remove, distort or otherwise alter the size or appearance of the any images or logos; (b) you do not create a frame or any other browser or border environment around our website; (c) you do not in any way imply that the we are endorsing any products or services other than our own; (d) you do not misrepresent your relationship with us nor present any other false information about us; (e) you do not otherwise use any trademarks displayed on our website without our express written permission; (f) you do not link from a website that is not owned by you; and (g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations. We expressly reserve the right to revoke the right granted in this clause for breach of these Terms and Conditions and to take any action deem appropriate. You shall be responsible for any loss or damage suffered by us for breach of this clause. 2.6. Please remember that email is not a completely secure means of communication: it may be possible for others to intercept and read your messages. So, if you choose to send us information by email, it is at your own risk.","absoluteBoundingBox":{"x":25563.0,"y":1301.0,"width":343.0,"height":3216.0},"isolatedAbsoluteRenderBounds":{"x":25563.408203125,"y":1306.81823730469,"width":341.314453125,"height":3204.36328125},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,48.0]],"size":{"x":343.0,"y":3216.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0,"b":0.0,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[],"characters":"2.1. If you choose a user password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.We have the right to suspend your account using at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and ConditionsIf you know or suspect that anyone other than you, knows your user password, you must promptly notify us using the customer chat function on our site.\n2.2. Unless otherwise stated, the copyright, trademarks, and other intellectual property rights in all material on our website (including without limitation text, tools, photographs, and graphical images) are owned by us or our licensors.You may not reproduce or adapt our website in whole or in part without our prior written consent, except for the purpose of accessing our products and/or services and for producing print outs for your own personal and non-commercial purposes. No part of our website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.Any use of our website other than in accordance with these Terms and Conditions is prohibited. If you breach any of these Terms and Conditions, your permission to use our website automatically terminates and you must immediately destroy any downloaded or printed extracts from our website.Any rights not expressly granted in these Terms and Conditions are reserved.\n2.3. The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our website. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete, or up to date.\n2.4. Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to our website shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material. We shall be free to copy, disclose, distribute, incorporate, and otherwise use such material and all data, images, sounds, text, and other things embodied in them for all commercial or non-commercial purposes.You must not post or transmit to or from our website any material: (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (b) for which you have not obtained all necessary licenses and/or approvals; or (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You may not misuse our website (including, without limitation, by hacking).We will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms and Conditions.\n2.5. Links to third party websites on our website are provided solely for your convenience. If you use these links, you leave our website. We have not reviewed all these third-party websites and do not control and are not responsible for their content or availability. We do not endorse or make any representations about them, or any material found there. If you decide to access any of the third-party websites linked to our website, you do so entirely at your own risk.If you would like to link to our website, you may only do so on the basis that you link to, but do not replicate, the home page of our website, and subject to the following conditions: (a) you do not remove, distort or otherwise alter the size or appearance of the any images or logos; (b) you do not create a frame or any other browser or border environment around our website; (c) you do not in any way imply that the we are endorsing any products or services other than our own; (d) you do not misrepresent your relationship with us nor present any other false information about us; (e) you do not otherwise use any trademarks displayed on our website without our express written permission; (f) you do not link from a website that is not owned by you; and (g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations. We expressly reserve the right to revoke the right granted in this clause for breach of these Terms and Conditions and to take any action deem appropriate. You shall be responsible for any loss or damage suffered by us for breach of this clause.\n2.6. Please remember that email is not a completely secure means of communication: it may be possible for others to intercept and read your messages. 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Company Moneliq Limited (company number 12213334) is registered in England and Wales with registered address 25 Cabot Square, London, United Kingdom, E14 4QZ. We are regulated by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations No. 901056. These are the rules on which we provide our Services to you. Please read them carefully before you start to use our Services. These rules tell you who we are, how we will provide the Services to you, how these rules may be changed or ended, what to do if there is a problem and other important information. If you think that there is a mistake in these rules or require any changes, please contact us to discuss. These rules refer to the following additional documents, which also apply to your use of our Services: Privacy Policy, which sets out the terms on which we process any personal data we collect about you, or that you provide to us. By using our Services, you consent to such processing, and you promise that all data provided by you is accurate. Cookie Policy, which sets out information about the “cookies” on our website. Terms and Conditions which sets out the permitted uses and prohibited uses of our Services. By visiting our website and/or using our Services you confirm that you accept and agree to these rules. If you do not agree, please do not use our Services. Please note that we can amend these rules from time to time. Please check this Agreement to ensure you understand the rules that apply at that time: In some instances, we may change this Agreement immediately. Changes to this Agreement which are (1) more favourable to you; (2) required by law; or (3) related to the addition of a new service, extra functionality to the existing Service; or (4) changes which neither reduce your rights nor increase your responsibilities, will come into effect immediately if they are stated in the change notice.","absoluteBoundingBox":{"x":25379.0,"y":17.0,"width":1200.0,"height":384.0},"isolatedAbsoluteRenderBounds":{"x":25379.408203125,"y":21.9090900421143,"width":1189.61328125,"height":376.545471191406},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,136.0]],"size":{"x":1200.0,"y":384.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0,"b":0.0,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[],"characters":"The Company Moneliq Limited (company number 12213334) is registered in England and Wales with registered address 25 Cabot Square, London, United Kingdom, E14 4QZ. We are regulated by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations No. 901056.\nThese are the rules on which we provide our Services to you. Please read them carefully before you start to use our Services.\nThese rules tell you who we are, how we will provide the Services to you, how these rules may be changed or ended, what to do if there is a problem and other important information. If you think that there is a mistake in these rules or require any changes, please contact us to discuss. These rules refer to the following additional documents, which also apply to your use of our Services:\nPrivacy Policy, which sets out the terms on which we process any personal data we collect about you, or that you provide to us. By using our Services, you consent to such processing, and you promise that all data provided by you is accurate.\nCookie Policy, which sets out information about the “cookies” on our website.\nTerms and Conditions which sets out the permitted uses and prohibited uses of our Services.\nBy visiting our website and/or using our Services you confirm that you accept and agree to these rules. If you do not agree, please do not use our Services.\nPlease note that we can amend these rules from time to time. Please check this Agreement to ensure you understand the rules that apply at that time:\nIn some instances, we may change this Agreement immediately. Changes to this Agreement which are (1) more favourable to you; (2) required by law; or (3) related to the addition of a new service, extra functionality to the existing Service; or (4) changes which neither reduce your rights nor increase your responsibilities, will come into effect immediately if they are stated in the change notice.","lineIndentations":[0,0,0,1,1,1,0,0,0],"lineTypes":["NONE","NONE","NONE","UNORDERED","UNORDERED","UNORDERED","NONE","NONE","NONE"],"listStartOffsets":[],"lineStyleOverrides":[0,0,0,0,0,0,0,0,0],"lineTextDirections":null,"textAutoResize":"HEIGHT","style":{"fontFamily":"Inter","fontPostScriptName":null,"fontStyle":"Regular","textAutoResize":"HEIGHT","boundVariables":{"paints":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"fontVariantPosition":"NORMAL","fontSize":16.0,"textAlignHorizontal":"LEFT","textAlignVertical":"TOP","letterSpacing":0.0,"letterSpacingValue":0.0,"letterSpacingUnit":"PERCENT","lineHeightPx":24.0,"lineHeightPercent":123.943664550781,"lineHeightPercentFontSize":150.0,"lineHeightUnit":"PIXELS","paragraphSpacing":0,"paragraphIndent":0,"listSpacing":0,"italic":false,"textCase":"ORIGINAL","textDecoration":"NONE","textDecorationSkipInk":false,"textDecorationStyle":"solid","textTruncation":"DISABLED"},"styleOverrideTable":{}},"331:8499":{"type":"TEXT","id":"331:8499","name":"4.1. About your Moneliq Account Your Moneliq Account allows you to hold, send or receive payments. The money held on your Moneliq Account does not expire other than when your account is closed, read these rules for more details. The money held on your Moneliq Account will not earn any interest. You may hold your money in any currencies which we support from time to time. You may withdraw money from your Moneliq Account at any time subject to certain conditions, please read these rules for more details. Certain limits may be placed on your Moneliq Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits. The money held on your Moneliq Account belongs to the person or legal entity which is registered as the Moneliq Account holder. Unless you have our consent in writing, you must not allow anyone to operate your Moneliq Account on your behalf. 4.2. We follow the requirements under the UK Electronic Money Regulations 2011 which are designed to ensure the safety of funds held in money accounts like your Moneliq Account. 4.3. You may only use your Moneliq Account Number to receive funds into your Moneliq Account for the following purposes: receiving your own salary and/or wages receiving payouts from e-commerce and freelancer platforms receiving payments from family, friends, or other people you know for personal purposes receiving payments from your clients and other third parties for the purpose of business payments orders processing by Moneliq side behalf of you Please note that you may not use your personal Moneliq account to receive business payments. 4.4. Getting started Open a Moneliq Account. To start using our Services, you must open a Moneliq Account and provide your details as prompted. Information must be accurate. All information you provide to us must be complete, accurate and truthful always. You must update this information whenever it changes. We cannot be responsible for any financial loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents. Transacting on your own account. All activities under a Moneliq Account shall be deemed as activities carried out by the registered user. You shall only use the Services to transact on your own account and not on behalf of any other person or entity. One account per person or entity. You may only open one Moneliq Account unless we have agreed in writing the opening of additional accounts. The Company may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Moneliq may close or merge these duplicate accounts at its sole discretion. 4.5. Keep your Moneliq Account safe 4.5.1. What to do. You must: Change your password regularly and ensure that it isn’t reused across other online accounts. Contact our customer support if anyone asks for your Moneliq password. Set up 2-step authentication where prompted. Keep your e-mail account secure. You may reset your Moneliq Account password using your email address. Let our customer support knows immediately if your email address becomes compromised. 4.5.2. What NOT to do. You must NOT: Disclose your Moneliq Account password. Keep them safe. Let anyone access your Moneliq Account or watch you accessing it. Use any functionality that allows your login details or passwords to be stored by the computer or browser you are using or to be cached or otherwise recorded. Do anything which may in any way avoid or compromise the 2-step authentication process. 4.5.3. Contact us if you suspect your Moneliq Account has been compromised. If you suspect your Moneliq Account or other security credentials are stolen, lost, used without your authorisation, or otherwise compromised, you must contact our customer support immediately, you are also advised to change your password. Any undue delays in notifying us may affect the security of your Moneliq Account and result in you being responsible for financial losses. 4.5.4. You may authorise third parties to access your Moneliq Account to provide their services to you, including authorising them to initiate payments from your Moneliq Account. You acknowledge that if you authorise a third party to access your Moneliq Account, we may disclose certain information about your Moneliq Account to this third party. We are not responsible for any such third party’s use of your Moneliq Account or any information in your Moneliq Account. Granting permission to a third party does not relieve you of your responsibilities under this Agreement, including notifying us if your Moneliq Account has been compromised or if a transaction is incorrect or unauthorised. 4.6. Maintaining your Moneliq Account 4.6.1. All your transactions (including your current Balance, money you have received, sent and/or withdrawn) are recorded in the transaction history section of your Moneliq Account. You may access this information after you log in to your Moneliq Account. We have allocated a reference number to each transaction; you should quote this reference number when communicating with us about a particular transaction. 4.6.2. You must check your Moneliq Account regularly and carefully and contact us immediately if you don’t recognise a transaction or think we have made a payment incorrectly. You must tell us about any unauthorised or incorrectly executed transactions immediately; otherwise, you may not be entitled to have any errors corrected. 4.6.3. If your Moneliq Account goes into a negative amount, including because of a chargeback, reversal of a transaction, deduction of fees or any other action carried by you or a third party, that negative amount represents an amount you owe to Moneliq and you promise to repay the negative amount immediately without any notice from us. We may send you reminders or take such other reasonable actions to recover the negative amount from you, for example, we may use a debt collection service or take further legal actions. We may charge you for any costs we may incur because of these collection efforts. 4.6.4. You are responsible for any taxes which may be applicable to payments you make or receive, and it is your responsibility to collect, report and pay the correct tax to the appropriate tax authority. 4.7. Closing your Moneliq Account 4.7.1. You may end this Agreement and close your Moneliq Account at any time by contacting our customer support. 4.7.2. At the time of closure, if you still have money in your Moneliq Account, you must withdraw your money within a reasonable period by following the steps described in section 9. After a reasonable period, you will no longer have access to your Moneliq Account, but you can still withdraw your money by contacting our customer support. You have the right to do this for a period of 5 years from the date your Moneliq Account is closed. 4.7.3. You must not close your Moneliq Account to avoid an investigation. If you attempt to close your Moneliq Account during an investigation, we may hold your money until the investigation is fully completed to protect our or a third party’s interest. 4.7.4. 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About your Moneliq Account\nYour Moneliq Account allows you to hold, send or receive payments.\nThe money held on your Moneliq Account does not expire other than when your account is closed, read these rules for more details.\nThe money held on your Moneliq Account will not earn any interest.\nYou may hold your money in any currencies which we support from time to time.\nYou may withdraw money from your Moneliq Account at any time subject to certain conditions, please read these rules for more details.\nCertain limits may be placed on your Moneliq Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits.\nThe money held on your Moneliq Account belongs to the person or legal entity which is registered as the Moneliq Account holder.\nUnless you have our consent in writing, you must not allow anyone to operate your Moneliq Account on your behalf.\n4.2. We follow the requirements under the UK Electronic Money Regulations 2011 which are designed to ensure the safety of funds held in money accounts like your Moneliq Account.\n4.3. You may only use your Moneliq Account Number to receive funds into your Moneliq Account for the following purposes:\nreceiving your own salary and/or wages\nreceiving payouts from e-commerce and freelancer platforms\nreceiving payments from family, friends, or other people you know for personal purposes\nreceiving payments from your clients and other third parties for the purpose of business payments\norders processing by Moneliq side behalf of you\nPlease note that you may not use your personal Moneliq account to receive business payments.\n4.4. Getting started\nOpen a Moneliq Account. To start using our Services, you must open a Moneliq Account and provide your details as prompted.\nInformation must be accurate. All information you provide to us must be complete, accurate and truthful always. You must update this information whenever it changes. We cannot be responsible for any financial loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents.\nTransacting on your own account. All activities under a Moneliq Account shall be deemed as activities carried out by the registered user. You shall only use the Services to transact on your own account and not on behalf of any other person or entity.\nOne account per person or entity. You may only open one Moneliq Account unless we have agreed in writing the opening of additional accounts. The Company may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Moneliq may close or merge these duplicate accounts at its sole discretion.\n4.5. Keep your Moneliq Account safe\n4.5.1. What to do. You must:\nChange your password regularly and ensure that it isn’t reused across other online accounts.\nContact our customer support if anyone asks for your Moneliq password.\nSet up 2-step authentication where prompted.\nKeep your e-mail account secure. You may reset your Moneliq Account password using your email address. Let our customer support knows immediately if your email address becomes compromised.\n4.5.2. What NOT to do. You must NOT:\nDisclose your Moneliq Account password. Keep them safe.\nLet anyone access your Moneliq Account or watch you accessing it.\nUse any functionality that allows your login details or passwords to be stored by the computer or browser you are using or to be cached or otherwise recorded.\nDo anything which may in any way avoid or compromise the 2-step authentication process.\n4.5.3. Contact us if you suspect your Moneliq Account has been compromised. If you suspect your Moneliq Account or other security credentials are stolen, lost, used without your authorisation, or otherwise compromised, you must contact our customer support immediately, you are also advised to change your password. Any undue delays in notifying us may affect the security of your Moneliq Account and result in you being responsible for financial losses.\n4.5.4. You may authorise third parties to access your Moneliq Account to provide their services to you, including authorising them to initiate payments from your Moneliq Account. You acknowledge that if you authorise a third party to access your Moneliq Account, we may disclose certain information about your Moneliq Account to this third party. We are not responsible for any such third party’s use of your Moneliq Account or any information in your Moneliq Account. 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If you choose a user password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.We have the right to suspend your account using at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and ConditionsIf you know or suspect that anyone other than you, knows your user password, you must promptly notify us using the customer chat function on our site. 2.2. Unless otherwise stated, the copyright, trademarks, and other intellectual property rights in all material on our website (including without limitation text, tools, photographs, and graphical images) are owned by us or our licensors.You may not reproduce or adapt our website in whole or in part without our prior written consent, except for the purpose of accessing our products and/or services and for producing print outs for your own personal and non-commercial purposes. No part of our website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.Any use of our website other than in accordance with these Terms and Conditions is prohibited. If you breach any of these Terms and Conditions, your permission to use our website automatically terminates and you must immediately destroy any downloaded or printed extracts from our website.Any rights not expressly granted in these Terms and Conditions are reserved. 2.3. The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our website. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete, or up to date. 2.4. Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to our website shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material. We shall be free to copy, disclose, distribute, incorporate, and otherwise use such material and all data, images, sounds, text, and other things embodied in them for all commercial or non-commercial purposes.You must not post or transmit to or from our website any material: (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (b) for which you have not obtained all necessary licenses and/or approvals; or (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You may not misuse our website (including, without limitation, by hacking).We will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms and Conditions. 2.5. Links to third party websites on our website are provided solely for your convenience. If you use these links, you leave our website. We have not reviewed all these third-party websites and do not control and are not responsible for their content or availability. We do not endorse or make any representations about them, or any material found there. If you decide to access any of the third-party websites linked to our website, you do so entirely at your own risk.If you would like to link to our website, you may only do so on the basis that you link to, but do not replicate, the home page of our website, and subject to the following conditions: (a) you do not remove, distort or otherwise alter the size or appearance of the any images or logos; (b) you do not create a frame or any other browser or border environment around our website; (c) you do not in any way imply that the we are endorsing any products or services other than our own; (d) you do not misrepresent your relationship with us nor present any other false information about us; (e) you do not otherwise use any trademarks displayed on our website without our express written permission; (f) you do not link from a website that is not owned by you; and (g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations. We expressly reserve the right to revoke the right granted in this clause for breach of these Terms and Conditions and to take any action deem appropriate. You shall be responsible for any loss or damage suffered by us for breach of this clause. 2.6. Please remember that email is not a completely secure means of communication: it may be possible for others to intercept and read your messages. 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If you choose a user password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.We have the right to suspend your account using at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and ConditionsIf you know or suspect that anyone other than you, knows your user password, you must promptly notify us using the customer chat function on our site. 2.2. Unless otherwise stated, the copyright, trademarks, and other intellectual property rights in all material on our website (including without limitation text, tools, photographs, and graphical images) are owned by us or our licensors.You may not reproduce or adapt our website in whole or in part without our prior written consent, except for the purpose of accessing our products and/or services and for producing print outs for your own personal and non-commercial purposes. No part of our website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.Any use of our website other than in accordance with these Terms and Conditions is prohibited. If you breach any of these Terms and Conditions, your permission to use our website automatically terminates and you must immediately destroy any downloaded or printed extracts from our website.Any rights not expressly granted in these Terms and Conditions are reserved. 2.3. The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our website. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete, or up to date. 2.4. Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to our website shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material. 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You may not misuse our website (including, without limitation, by hacking).We will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms and Conditions. 2.5. Links to third party websites on our website are provided solely for your convenience. If you use these links, you leave our website. We have not reviewed all these third-party websites and do not control and are not responsible for their content or availability. We do not endorse or make any representations about them, or any material found there. 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Please check this Policy to ensure you understand the rules that apply at that time. We may update and change our website from time to time to reflect changes to our products, our users' needs, and our business priorities. We may suspend or withdraw our website. We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our website for business and operational reasons. 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Company Moneliq Limited (company number 12213334) is registered in England and Wales with registered address 30 Moorgate Office 516, London, United Kingdom, EC2R 6DN. We are regulated by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations No. 901056. These Terms and Conditions explain you the rules for using our website https://www.moneliq.com/ (our website). By using our website, you confirm that you accept these Terms and Conditions and that you agree to comply with them. If you do not agree to these rules, you cannot use our website. These Terms and Conditions refer to the following additional Policies, which also apply to your use of our website: Privacy Policy, which sets out the rules on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing, and you warrant that all data provided by you is accurate. Cookies Policy, which sets out information about the cookies on our website. Please note that we can amend these Terms and Conditions from time to time. Please check this Policy to ensure you understand the rules that apply at that time. We may update and change our website from time to time to reflect changes to our products, our users' needs, and our business priorities. We may suspend or withdraw our website. We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our website for business and operational reasons. 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If you choose a user password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.We have the right to suspend your account using at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and ConditionsIf you know or suspect that anyone other than you, knows your user password, you must promptly notify us using the customer chat function on our site. 2.2. Unless otherwise stated, the copyright, trademarks, and other intellectual property rights in all material on our website (including without limitation text, tools, photographs, and graphical images) are owned by us or our licensors.You may not reproduce or adapt our website in whole or in part without our prior written consent, except for the purpose of accessing our products and/or services and for producing print outs for your own personal and non-commercial purposes. No part of our website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.Any use of our website other than in accordance with these Terms and Conditions is prohibited. If you breach any of these Terms and Conditions, your permission to use our website automatically terminates and you must immediately destroy any downloaded or printed extracts from our website.Any rights not expressly granted in these Terms and Conditions are reserved. 2.3. The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our website. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete, or up to date. 2.4. Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to our website shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material. 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You may not misuse our website (including, without limitation, by hacking).We will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms and Conditions. 2.5. Links to third party websites on our website are provided solely for your convenience. If you use these links, you leave our website. We have not reviewed all these third-party websites and do not control and are not responsible for their content or availability. We do not endorse or make any representations about them, or any material found there. If you decide to access any of the third-party websites linked to our website, you do so entirely at your own risk.If you would like to link to our website, you may only do so on the basis that you link to, but do not replicate, the home page of our website, and subject to the following conditions: (a) you do not remove, distort or otherwise alter the size or appearance of the any images or logos; (b) you do not create a frame or any other browser or border environment around our website; (c) you do not in any way imply that the we are endorsing any products or services other than our own; (d) you do not misrepresent your relationship with us nor present any other false information about us; (e) you do not otherwise use any trademarks displayed on our website without our express written permission; (f) you do not link from a website that is not owned by you; and (g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations. We expressly reserve the right to revoke the right granted in this clause for breach of these Terms and Conditions and to take any action deem appropriate. You shall be responsible for any loss or damage suffered by us for breach of this clause. 2.6. Please remember that email is not a completely secure means of communication: it may be possible for others to intercept and read your messages. 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About your Moneliq Account Your Moneliq Account allows you to hold, send or receive payments. The money held on your Moneliq Account does not expire other than when your account is closed, read these rules for more details. The money held on your Moneliq Account will not earn any interest. You may hold your money in any currencies which we support from time to time. You may withdraw money from your Moneliq Account at any time subject to certain conditions, please read these rules for more details. Certain limits may be placed on your Moneliq Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits. The money held on your Moneliq Account belongs to the person or legal entity which is registered as the Moneliq Account holder. Unless you have our consent in writing, you must not allow anyone to operate your Moneliq Account on your behalf. 4.2. We follow the requirements under the UK Electronic Money Regulations 2011 which are designed to ensure the safety of funds held in money accounts like your Moneliq Account. 4.3. You may only use your Moneliq Account Number to receive funds into your Moneliq Account for the following purposes: receiving your own salary and/or wages receiving payouts from e-commerce and freelancer platforms receiving payments from family, friends, or other people you know for personal purposes receiving payments from your clients and other third parties for the purpose of business payments orders processing by Moneliq side behalf of you Please note that you may not use your personal Moneliq account to receive business payments. 4.4. Getting started Open a Moneliq Account. To start using our Services, you must open a Moneliq Account and provide your details as prompted. Information must be accurate. All information you provide to us must be complete, accurate and truthful always. You must update this information whenever it changes. We cannot be responsible for any financial loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents. Transacting on your own account. All activities under a Moneliq Account shall be deemed as activities carried out by the registered user. You shall only use the Services to transact on your own account and not on behalf of any other person or entity. One account per person or entity. You may only open one Moneliq Account unless we have agreed in writing the opening of additional accounts. The Company may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Moneliq may close or merge these duplicate accounts at its sole discretion. 4.5. Keep your Moneliq Account safe 4.5.1. What to do. You must: Change your password regularly and ensure that it isn’t reused across other online accounts. Contact our customer support if anyone asks for your Moneliq password. Set up 2-step authentication where prompted. Keep your e-mail account secure. You may reset your Moneliq Account password using your email address. Let our customer support knows immediately if your email address becomes compromised. 4.5.2. What NOT to do. You must NOT: Disclose your Moneliq Account password. Keep them safe. Let anyone access your Moneliq Account or watch you accessing it. Use any functionality that allows your login details or passwords to be stored by the computer or browser you are using or to be cached or otherwise recorded. Do anything which may in any way avoid or compromise the 2-step authentication process. 4.5.3. Contact us if you suspect your Moneliq Account has been compromised. If you suspect your Moneliq Account or other security credentials are stolen, lost, used without your authorisation, or otherwise compromised, you must contact our customer support immediately, you are also advised to change your password. Any undue delays in notifying us may affect the security of your Moneliq Account and result in you being responsible for financial losses. 4.5.4. You may authorise third parties to access your Moneliq Account to provide their services to you, including authorising them to initiate payments from your Moneliq Account. You acknowledge that if you authorise a third party to access your Moneliq Account, we may disclose certain information about your Moneliq Account to this third party. We are not responsible for any such third party’s use of your Moneliq Account or any information in your Moneliq Account. Granting permission to a third party does not relieve you of your responsibilities under this Agreement, including notifying us if your Moneliq Account has been compromised or if a transaction is incorrect or unauthorised. 4.6. Maintaining your Moneliq Account 4.6.1. All your transactions (including your current Balance, money you have received, sent and/or withdrawn) are recorded in the transaction history section of your Moneliq Account. You may access this information after you log in to your Moneliq Account. We have allocated a reference number to each transaction; you should quote this reference number when communicating with us about a particular transaction. 4.6.2. You must check your Moneliq Account regularly and carefully and contact us immediately if you don’t recognise a transaction or think we have made a payment incorrectly. You must tell us about any unauthorised or incorrectly executed transactions immediately; otherwise, you may not be entitled to have any errors corrected. 4.6.3. If your Moneliq Account goes into a negative amount, including because of a chargeback, reversal of a transaction, deduction of fees or any other action carried by you or a third party, that negative amount represents an amount you owe to Moneliq and you promise to repay the negative amount immediately without any notice from us. We may send you reminders or take such other reasonable actions to recover the negative amount from you, for example, we may use a debt collection service or take further legal actions. We may charge you for any costs we may incur because of these collection efforts. 4.6.4. You are responsible for any taxes which may be applicable to payments you make or receive, and it is your responsibility to collect, report and pay the correct tax to the appropriate tax authority. 4.7. Closing your Moneliq Account 4.7.1. You may end this Agreement and close your Moneliq Account at any time by contacting our customer support. 4.7.2. At the time of closure, if you still have money in your Moneliq Account, you must withdraw your money within a reasonable period by following the steps described in section 9. After a reasonable period, you will no longer have access to your Moneliq Account, but you can still withdraw your money by contacting our customer support. You have the right to do this for a period of 5 years from the date your Moneliq Account is closed. 4.7.3. You must not close your Moneliq Account to avoid an investigation. If you attempt to close your Moneliq Account during an investigation, we may hold your money until the investigation is fully completed to protect our or a third party’s interest. 4.7.4. 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We shall be free to copy, disclose, distribute, incorporate, and otherwise use such material and all data, images, sounds, text, and other things embodied in them for all commercial or non-commercial purposes.You must not post or transmit to or from our website any material: (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (b) for which you have not obtained all necessary licenses and/or approvals; or (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You may not misuse our website (including, without limitation, by hacking).We will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms and Conditions. 2.5. Links to third party websites on our website are provided solely for your convenience. If you use these links, you leave our website. We have not reviewed all these third-party websites and do not control and are not responsible for their content or availability. We do not endorse or make any representations about them, or any material found there. If you decide to access any of the third-party websites linked to our website, you do so entirely at your own risk.If you would like to link to our website, you may only do so on the basis that you link to, but do not replicate, the home page of our website, and subject to the following conditions: (a) you do not remove, distort or otherwise alter the size or appearance of the any images or logos; (b) you do not create a frame or any other browser or border environment around our website; (c) you do not in any way imply that the we are endorsing any products or services other than our own; (d) you do not misrepresent your relationship with us nor present any other false information about us; (e) you do not otherwise use any trademarks displayed on our website without our express written permission; (f) you do not link from a website that is not owned by you; and (g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations. We expressly reserve the right to revoke the right granted in this clause for breach of these Terms and Conditions and to take any action deem appropriate. You shall be responsible for any loss or damage suffered by us for breach of this clause. 2.6. Please remember that email is not a completely secure means of communication: it may be possible for others to intercept and read your messages. So, if you choose to send us information by email, it is at your own risk.","absoluteBoundingBox":{"x":23355.0,"y":701.0,"width":752.0,"height":1464.0},"isolatedAbsoluteRenderBounds":{"x":23355.408203125,"y":706.818176269531,"width":749.958984375,"height":1455.45458984375},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,48.0]],"size":{"x":752.0,"y":1464.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0,"b":0.0,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[],"characters":"2.1. If you choose a user password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.We have the right to suspend your account using at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and ConditionsIf you know or suspect that anyone other than you, knows your user password, you must promptly notify us using the customer chat function on our site.\n2.2. Unless otherwise stated, the copyright, trademarks, and other intellectual property rights in all material on our website (including without limitation text, tools, photographs, and graphical images) are owned by us or our licensors.You may not reproduce or adapt our website in whole or in part without our prior written consent, except for the purpose of accessing our products and/or services and for producing print outs for your own personal and non-commercial purposes. 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Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete, or up to date.\n2.4. Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to our website shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material. We shall be free to copy, disclose, distribute, incorporate, and otherwise use such material and all data, images, sounds, text, and other things embodied in them for all commercial or non-commercial purposes.You must not post or transmit to or from our website any material: (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (b) for which you have not obtained all necessary licenses and/or approvals; or (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You may not misuse our website (including, without limitation, by hacking).We will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms and Conditions.\n2.5. Links to third party websites on our website are provided solely for your convenience. If you use these links, you leave our website. We have not reviewed all these third-party websites and do not control and are not responsible for their content or availability. We do not endorse or make any representations about them, or any material found there. If you decide to access any of the third-party websites linked to our website, you do so entirely at your own risk.If you would like to link to our website, you may only do so on the basis that you link to, but do not replicate, the home page of our website, and subject to the following conditions: (a) you do not remove, distort or otherwise alter the size or appearance of the any images or logos; (b) you do not create a frame or any other browser or border environment around our website; (c) you do not in any way imply that the we are endorsing any products or services other than our own; (d) you do not misrepresent your relationship with us nor present any other false information about us; (e) you do not otherwise use any trademarks displayed on our website without our express written permission; (f) you do not link from a website that is not owned by you; and (g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations. 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To set up a payment order via your Moneliq Account, you need to provide certain information to us including (a) the full name of your recipient, (b) your recipient’s bank account details or their Moneliq Account details and (c) amount to be transferred.Please note that we may place limits on the amount you may send per transfer. 7.2. If your payment order is received by us after 5pm on a Business Day or not on a Business Day, your payment order will be deemed received on the following Business Day. 7.3. Once we have received your payment order, we will display it under the Activity section of your Moneliq account. Each payment order is given a unique transaction number which you can find there. You should quote this number when communicating with us about a particular payment order. 7.4. We will only process your payment order if we hold or have received sufficient cleared funds in your Moneliq Account. It is your responsibility to fund your payment order in a timely manner. We cannot be responsible for the time it takes for the money to be sent to us by your bank or payment service provider. 7.5. We carry out verification checks, and these checks may increase the time it takes to process your payment order. We cannot be responsible for any delays as a result of carrying out those checks. 7.6. The estimated completion time of your payment order is notified to you when you complete the setup of your payment order. 7.7. We will use reasonable efforts to ensure funds arrive at your recipient’s account within the notified timeframe. We will use reasonable efforts to ensure that the funds arrive in the recipient’s bank account or payment account within the timelines notified to you. We do not have any control over the time it may take for the recipient’s bank or payment provider to credit and make available funds to the recipient. 7.8. If we are unable to complete your payment order, we will let you know and, if possible, the reasons for the refusal and an explanation of how to correct any factual errors. However, we are not required to notify you if such notification would be unlawful. 7.9. You can cancel your order before it is not started to process. 7.10. You must make sure that the information you provide when setting up a payment order is accurate. 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To set up a payment order via your Moneliq Account, you need to provide certain information to us including (a) the full name of your recipient, (b) your recipient’s bank account details or their Moneliq Account details and (c) amount to be transferred.Please note that we may place limits on the amount you may send per transfer.\n7.2. If your payment order is received by us after 5pm on a Business Day or not on a Business Day, your payment order will be deemed received on the following Business Day.\n7.3. Once we have received your payment order, we will display it under the Activity section of your Moneliq account. Each payment order is given a unique transaction number which you can find there. You should quote this number when communicating with us about a particular payment order.\n7.4. We will only process your payment order if we hold or have received sufficient cleared funds in your Moneliq Account. It is your responsibility to fund your payment order in a timely manner. 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We are regulated by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations No. 901056. These Terms and Conditions explain you the rules for using our website https://www.moneliq.com/ (our website). By using our website, you confirm that you accept these Terms and Conditions and that you agree to comply with them. If you do not agree to these rules, you cannot use our website. These Terms and Conditions refer to the following additional Policies, which also apply to your use of our website: Privacy Policy, which sets out the rules on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing, and you warrant that all data provided by you is accurate. Cookies Policy, which sets out information about the cookies on our website. Please note that we can amend these Terms and Conditions from time to time. Please check this Policy to ensure you understand the rules that apply at that time. We may update and change our website from time to time to reflect changes to our products, our users' needs, and our business priorities. We may suspend or withdraw our website. We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our website for business and operational reasons. We will try to give you reasonable notice of any major changes, suspension, or withdrawal.You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these Terms and Conditions and other applicable rules, and that they comply with them.","absoluteBoundingBox":{"x":25563.0,"y":21.0,"width":343.0,"height":1200.0},"isolatedAbsoluteRenderBounds":{"x":25563.0,"y":26.8181800842285,"width":342.34765625,"height":1188.36352539062},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,136.0]],"size":{"x":343.0,"y":1200.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0,"b":0.0,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1],"characters":"The Company Moneliq Limited (company number 12213334) is registered in England and Wales with registered address 30 Moorgate Office 516, London, United Kingdom, EC2R 6DN. We are regulated by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations No. 901056.\nThese Terms and Conditions explain you the rules for using our website https://www.moneliq.com/ (our website).\nBy using our website, you confirm that you accept these Terms and Conditions and that you agree to comply with them. If you do not agree to these rules, you cannot use our website.\nThese Terms and Conditions refer to the following additional Policies, which also apply to your use of our website:\nPrivacy Policy, which sets out the rules on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing, and you warrant that all data provided by you is accurate.\nCookies Policy, which sets out information about the cookies on our website.\nPlease note that we can amend these Terms and Conditions from time to time. Please check this Policy to ensure you understand the rules that apply at that time.\n\nWe may update and change our website from time to time to reflect changes to our products, our users' needs, and our business priorities. We may suspend or withdraw our website. We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our website for business and operational reasons. We will try to give you reasonable notice of any major changes, suspension, or withdrawal.You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these Terms and Conditions and other applicable rules, and that they comply with 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About your Moneliq Account Your Moneliq Account allows you to hold, send or receive payments. The money held on your Moneliq Account does not expire other than when your account is closed, read these rules for more details. The money held on your Moneliq Account will not earn any interest. You may hold your money in any currencies which we support from time to time. You may withdraw money from your Moneliq Account at any time subject to certain conditions, please read these rules for more details. Certain limits may be placed on your Moneliq Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits. The money held on your Moneliq Account belongs to the person or legal entity which is registered as the Moneliq Account holder. Unless you have our consent in writing, you must not allow anyone to operate your Moneliq Account on your behalf. 4.2. We follow the requirements under the UK Electronic Money Regulations 2011 which are designed to ensure the safety of funds held in money accounts like your Moneliq Account. 4.3. You may only use your Moneliq Account Number to receive funds into your Moneliq Account for the following purposes: receiving your own salary and/or wages receiving payouts from e-commerce and freelancer platforms receiving payments from family, friends, or other people you know for personal purposes receiving payments from your clients and other third parties for the purpose of business payments orders processing by Moneliq side behalf of you Please note that you may not use your personal Moneliq account to receive business payments. 4.4. Getting started Open a Moneliq Account. To start using our Services, you must open a Moneliq Account and provide your details as prompted. Information must be accurate. All information you provide to us must be complete, accurate and truthful always. You must update this information whenever it changes. We cannot be responsible for any financial loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents. Transacting on your own account. All activities under a Moneliq Account shall be deemed as activities carried out by the registered user. You shall only use the Services to transact on your own account and not on behalf of any other person or entity. One account per person or entity. You may only open one Moneliq Account unless we have agreed in writing the opening of additional accounts. The Company may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Moneliq may close or merge these duplicate accounts at its sole discretion. 4.5. Keep your Moneliq Account safe 4.5.1. What to do. You must: Change your password regularly and ensure that it isn’t reused across other online accounts. Contact our customer support if anyone asks for your Moneliq password. Set up 2-step authentication where prompted. Keep your e-mail account secure. You may reset your Moneliq Account password using your email address. Let our customer support knows immediately if your email address becomes compromised. 4.5.2. What NOT to do. You must NOT: Disclose your Moneliq Account password. Keep them safe. Let anyone access your Moneliq Account or watch you accessing it. Use any functionality that allows your login details or passwords to be stored by the computer or browser you are using or to be cached or otherwise recorded. Do anything which may in any way avoid or compromise the 2-step authentication process. 4.5.3. Contact us if you suspect your Moneliq Account has been compromised. If you suspect your Moneliq Account or other security credentials are stolen, lost, used without your authorisation, or otherwise compromised, you must contact our customer support immediately, you are also advised to change your password. Any undue delays in notifying us may affect the security of your Moneliq Account and result in you being responsible for financial losses. 4.5.4. You may authorise third parties to access your Moneliq Account to provide their services to you, including authorising them to initiate payments from your Moneliq Account. You acknowledge that if you authorise a third party to access your Moneliq Account, we may disclose certain information about your Moneliq Account to this third party. We are not responsible for any such third party’s use of your Moneliq Account or any information in your Moneliq Account. Granting permission to a third party does not relieve you of your responsibilities under this Agreement, including notifying us if your Moneliq Account has been compromised or if a transaction is incorrect or unauthorised. 4.6. Maintaining your Moneliq Account 4.6.1. All your transactions (including your current Balance, money you have received, sent and/or withdrawn) are recorded in the transaction history section of your Moneliq Account. You may access this information after you log in to your Moneliq Account. We have allocated a reference number to each transaction; you should quote this reference number when communicating with us about a particular transaction. 4.6.2. You must check your Moneliq Account regularly and carefully and contact us immediately if you don’t recognise a transaction or think we have made a payment incorrectly. You must tell us about any unauthorised or incorrectly executed transactions immediately; otherwise, you may not be entitled to have any errors corrected. 4.6.3. If your Moneliq Account goes into a negative amount, including because of a chargeback, reversal of a transaction, deduction of fees or any other action carried by you or a third party, that negative amount represents an amount you owe to Moneliq and you promise to repay the negative amount immediately without any notice from us. We may send you reminders or take such other reasonable actions to recover the negative amount from you, for example, we may use a debt collection service or take further legal actions. We may charge you for any costs we may incur because of these collection efforts. 4.6.4. You are responsible for any taxes which may be applicable to payments you make or receive, and it is your responsibility to collect, report and pay the correct tax to the appropriate tax authority. 4.7. Closing your Moneliq Account 4.7.1. You may end this Agreement and close your Moneliq Account at any time by contacting our customer support. 4.7.2. At the time of closure, if you still have money in your Moneliq Account, you must withdraw your money within a reasonable period by following the steps described in section 9. After a reasonable period, you will no longer have access to your Moneliq Account, but you can still withdraw your money by contacting our customer support. You have the right to do this for a period of 5 years from the date your Moneliq Account is closed. 4.7.3. You must not close your Moneliq Account to avoid an investigation. If you attempt to close your Moneliq Account during an investigation, we may hold your money until the investigation is fully completed to protect our or a third party’s interest. 4.7.4. You agree that you will continue to be responsible for all obligations related to your Moneliq Account even after it is closed.","absoluteBoundingBox":{"x":23395.0,"y":1603.0,"width":752.0,"height":2400.0},"isolatedAbsoluteRenderBounds":{"x":23395.408203125,"y":1609.0,"width":749.6796875,"height":2388.20458984375},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,48.0]],"size":{"x":752.0,"y":2400.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0,"b":0.0,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[],"characters":"4.1. About your Moneliq Account\nYour Moneliq Account allows you to hold, send or receive payments.\nThe money held on your Moneliq Account does not expire other than when your account is closed, read these rules for more details.\nThe money held on your Moneliq Account will not earn any interest.\nYou may hold your money in any currencies which we support from time to time.\nYou may withdraw money from your Moneliq Account at any time subject to certain conditions, please read these rules for more details.\nCertain limits may be placed on your Moneliq Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits.\nThe money held on your Moneliq Account belongs to the person or legal entity which is registered as the Moneliq Account holder.\nUnless you have our consent in writing, you must not allow anyone to operate your Moneliq Account on your behalf.\n4.2. We follow the requirements under the UK Electronic Money Regulations 2011 which are designed to ensure the safety of funds held in money accounts like your Moneliq Account.\n4.3. You may only use your Moneliq Account Number to receive funds into your Moneliq Account for the following purposes:\nreceiving your own salary and/or wages\nreceiving payouts from e-commerce and freelancer platforms\nreceiving payments from family, friends, or other people you know for personal purposes\nreceiving payments from your clients and other third parties for the purpose of business payments\norders processing by Moneliq side behalf of you\nPlease note that you may not use your personal Moneliq account to receive business payments.\n4.4. Getting started\nOpen a Moneliq Account. To start using our Services, you must open a Moneliq Account and provide your details as prompted.\nInformation must be accurate. All information you provide to us must be complete, accurate and truthful always. You must update this information whenever it changes. We cannot be responsible for any financial loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents.\nTransacting on your own account. All activities under a Moneliq Account shall be deemed as activities carried out by the registered user. You shall only use the Services to transact on your own account and not on behalf of any other person or entity.\nOne account per person or entity. You may only open one Moneliq Account unless we have agreed in writing the opening of additional accounts. The Company may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Moneliq may close or merge these duplicate accounts at its sole discretion.\n4.5. Keep your Moneliq Account safe\n4.5.1. What to do. You must:\nChange your password regularly and ensure that it isn’t reused across other online accounts.\nContact our customer support if anyone asks for your Moneliq password.\nSet up 2-step authentication where prompted.\nKeep your e-mail account secure. You may reset your Moneliq Account password using your email address. Let our customer support knows immediately if your email address becomes compromised.\n4.5.2. What NOT to do. You must NOT:\nDisclose your Moneliq Account password. Keep them safe.\nLet anyone access your Moneliq Account or watch you accessing it.\nUse any functionality that allows your login details or passwords to be stored by the computer or browser you are using or to be cached or otherwise recorded.\nDo anything which may in any way avoid or compromise the 2-step authentication process.\n4.5.3. Contact us if you suspect your Moneliq Account has been compromised. If you suspect your Moneliq Account or other security credentials are stolen, lost, used without your authorisation, or otherwise compromised, you must contact our customer support immediately, you are also advised to change your password. Any undue delays in notifying us may affect the security of your Moneliq Account and result in you being responsible for financial losses.\n4.5.4. You may authorise third parties to access your Moneliq Account to provide their services to you, including authorising them to initiate payments from your Moneliq Account. You acknowledge that if you authorise a third party to access your Moneliq Account, we may disclose certain information about your Moneliq Account to this third party. We are not responsible for any such third party’s use of your Moneliq Account or any information in your Moneliq Account. Granting permission to a third party does not relieve you of your responsibilities under this Agreement, including notifying us if your Moneliq Account has been compromised or if a transaction is incorrect or unauthorised.\n4.6. Maintaining your Moneliq Account\n4.6.1. All your transactions (including your current Balance, money you have received, sent and/or withdrawn) are recorded in the transaction history section of your Moneliq Account. You may access this information after you log in to your Moneliq Account. We have allocated a reference number to each transaction; you should quote this reference number when communicating with us about a particular transaction.\n4.6.2. You must check your Moneliq Account regularly and carefully and contact us immediately if you don’t recognise a transaction or think we have made a payment incorrectly. You must tell us about any unauthorised or incorrectly executed transactions immediately; otherwise, you may not be entitled to have any errors corrected.\n4.6.3. If your Moneliq Account goes into a negative amount, including because of a chargeback, reversal of a transaction, deduction of fees or any other action carried by you or a third party, that negative amount represents an amount you owe to Moneliq and you promise to repay the negative amount immediately without any notice from us. We may send you reminders or take such other reasonable actions to recover the negative amount from you, for example, we may use a debt collection service or take further legal actions. We may charge you for any costs we may incur because of these collection efforts.\n4.6.4. You are responsible for any taxes which may be applicable to payments you make or receive, and it is your responsibility to collect, report and pay the correct tax to the appropriate tax authority.\n4.7. Closing your Moneliq Account\n4.7.1. You may end this Agreement and close your Moneliq Account at any time by contacting our customer support.\n4.7.2. At the time of closure, if you still have money in your Moneliq Account, you must withdraw your money within a reasonable period by following the steps described in section 9. After a reasonable period, you will no longer have access to your Moneliq Account, but you can still withdraw your money by contacting our customer support. You have the right to do this for a period of 5 years from the date your Moneliq Account is closed.\n4.7.3. You must not close your Moneliq Account to avoid an investigation. If you attempt to close your Moneliq Account during an investigation, we may hold your money until the investigation is fully completed to protect our or a third party’s interest.\n4.7.4. 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About your Moneliq Account Your Moneliq Account allows you to hold, send or receive payments. The money held on your Moneliq Account does not expire other than when your account is closed, read these rules for more details. The money held on your Moneliq Account will not earn any interest. You may hold your money in any currencies which we support from time to time. You may withdraw money from your Moneliq Account at any time subject to certain conditions, please read these rules for more details. Certain limits may be placed on your Moneliq Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits. The money held on your Moneliq Account belongs to the person or legal entity which is registered as the Moneliq Account holder. Unless you have our consent in writing, you must not allow anyone to operate your Moneliq Account on your behalf. 4.2. We follow the requirements under the UK Electronic Money Regulations 2011 which are designed to ensure the safety of funds held in money accounts like your Moneliq Account. 4.3. You may only use your Moneliq Account Number to receive funds into your Moneliq Account for the following purposes: receiving your own salary and/or wages receiving payouts from e-commerce and freelancer platforms receiving payments from family, friends, or other people you know for personal purposes receiving payments from your clients and other third parties for the purpose of business payments orders processing by Moneliq side behalf of you Please note that you may not use your personal Moneliq account to receive business payments. 4.4. Getting started Open a Moneliq Account. To start using our Services, you must open a Moneliq Account and provide your details as prompted. Information must be accurate. All information you provide to us must be complete, accurate and truthful always. You must update this information whenever it changes. We cannot be responsible for any financial loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents. Transacting on your own account. All activities under a Moneliq Account shall be deemed as activities carried out by the registered user. You shall only use the Services to transact on your own account and not on behalf of any other person or entity. One account per person or entity. You may only open one Moneliq Account unless we have agreed in writing the opening of additional accounts. The Company may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Moneliq may close or merge these duplicate accounts at its sole discretion. 4.5. Keep your Moneliq Account safe 4.5.1. What to do. You must: Change your password regularly and ensure that it isn’t reused across other online accounts. Contact our customer support if anyone asks for your Moneliq password. Set up 2-step authentication where prompted. Keep your e-mail account secure. You may reset your Moneliq Account password using your email address. Let our customer support knows immediately if your email address becomes compromised. 4.5.2. What NOT to do. You must NOT: Disclose your Moneliq Account password. Keep them safe. Let anyone access your Moneliq Account or watch you accessing it. Use any functionality that allows your login details or passwords to be stored by the computer or browser you are using or to be cached or otherwise recorded. Do anything which may in any way avoid or compromise the 2-step authentication process. 4.5.3. Contact us if you suspect your Moneliq Account has been compromised. If you suspect your Moneliq Account or other security credentials are stolen, lost, used without your authorisation, or otherwise compromised, you must contact our customer support immediately, you are also advised to change your password. Any undue delays in notifying us may affect the security of your Moneliq Account and result in you being responsible for financial losses. 4.5.4. You may authorise third parties to access your Moneliq Account to provide their services to you, including authorising them to initiate payments from your Moneliq Account. You acknowledge that if you authorise a third party to access your Moneliq Account, we may disclose certain information about your Moneliq Account to this third party. We are not responsible for any such third party’s use of your Moneliq Account or any information in your Moneliq Account. Granting permission to a third party does not relieve you of your responsibilities under this Agreement, including notifying us if your Moneliq Account has been compromised or if a transaction is incorrect or unauthorised. 4.6. Maintaining your Moneliq Account 4.6.1. All your transactions (including your current Balance, money you have received, sent and/or withdrawn) are recorded in the transaction history section of your Moneliq Account. You may access this information after you log in to your Moneliq Account. We have allocated a reference number to each transaction; you should quote this reference number when communicating with us about a particular transaction. 4.6.2. You must check your Moneliq Account regularly and carefully and contact us immediately if you don’t recognise a transaction or think we have made a payment incorrectly. You must tell us about any unauthorised or incorrectly executed transactions immediately; otherwise, you may not be entitled to have any errors corrected. 4.6.3. If your Moneliq Account goes into a negative amount, including because of a chargeback, reversal of a transaction, deduction of fees or any other action carried by you or a third party, that negative amount represents an amount you owe to Moneliq and you promise to repay the negative amount immediately without any notice from us. We may send you reminders or take such other reasonable actions to recover the negative amount from you, for example, we may use a debt collection service or take further legal actions. We may charge you for any costs we may incur because of these collection efforts. 4.6.4. You are responsible for any taxes which may be applicable to payments you make or receive, and it is your responsibility to collect, report and pay the correct tax to the appropriate tax authority. 4.7. Closing your Moneliq Account 4.7.1. You may end this Agreement and close your Moneliq Account at any time by contacting our customer support. 4.7.2. At the time of closure, if you still have money in your Moneliq Account, you must withdraw your money within a reasonable period by following the steps described in section 9. After a reasonable period, you will no longer have access to your Moneliq Account, but you can still withdraw your money by contacting our customer support. You have the right to do this for a period of 5 years from the date your Moneliq Account is closed. 4.7.3. You must not close your Moneliq Account to avoid an investigation. If you attempt to close your Moneliq Account during an investigation, we may hold your money until the investigation is fully completed to protect our or a third party’s interest. 4.7.4. 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About your Moneliq Account\nYour Moneliq Account allows you to hold, send or receive payments.\nThe money held on your Moneliq Account does not expire other than when your account is closed, read these rules for more details.\nThe money held on your Moneliq Account will not earn any interest.\nYou may hold your money in any currencies which we support from time to time.\nYou may withdraw money from your Moneliq Account at any time subject to certain conditions, please read these rules for more details.\nCertain limits may be placed on your Moneliq Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits.\nThe money held on your Moneliq Account belongs to the person or legal entity which is registered as the Moneliq Account holder.\nUnless you have our consent in writing, you must not allow anyone to operate your Moneliq Account on your behalf.\n4.2. 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You may not use our services: in any way that breaches any applicable local, national, or international law or regulation, or causes Moneliq to breach any applicable law or regulation in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect for the purpose of harming or attempting to harm minors in any way for anything that is abusive, harmful, or does not comply with our content standards for any unsolicited or unauthorised advertising, promotional material, or any other form of spam to deal in harmful programs such as viruses, spyware, or similar computer code designed to adversely affect the operation of any computer software or hardware in any way that would locally or internationally evade any applicable taxes or facilitate tax evasion. 4.2. Unsupported businesses and transactionsWe do not support businesses or transactions which are involved in any of the following categories, such businesses or transactions may be declined. 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You may not use our services:\nin any way that breaches any applicable local, national, or international law or regulation, or causes Moneliq to breach any applicable law or regulation\nin any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect\nfor the purpose of harming or attempting to harm minors in any way\nfor anything that is abusive, harmful, or does not comply with our content standards\nfor any unsolicited or unauthorised advertising, promotional material, or any other form of spam\nto deal in harmful programs such as viruses, spyware, or similar computer code designed to adversely affect the operation of any computer software or hardware\nin any way that would locally or internationally evade any applicable taxes or facilitate tax evasion.\n4.2. Unsupported businesses and transactionsWe do not support businesses or transactions which are involved in any of the following categories, such businesses or transactions may be declined. 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To set up a payment order via your Moneliq Account, you need to provide certain information to us including (a) the full name of your recipient, (b) your recipient’s bank account details or their Moneliq Account details and (c) amount to be transferred.Please note that we may place limits on the amount you may send per transfer. 7.2. If your payment order is received by us after 5pm on a Business Day or not on a Business Day, your payment order will be deemed received on the following Business Day. 7.3. Once we have received your payment order, we will display it under the Activity section of your Moneliq account. Each payment order is given a unique transaction number which you can find there. You should quote this number when communicating with us about a particular payment order. 7.4. We will only process your payment order if we hold or have received sufficient cleared funds in your Moneliq Account. It is your responsibility to fund your payment order in a timely manner. We cannot be responsible for the time it takes for the money to be sent to us by your bank or payment service provider. 7.5. We carry out verification checks, and these checks may increase the time it takes to process your payment order. We cannot be responsible for any delays as a result of carrying out those checks. 7.6. The estimated completion time of your payment order is notified to you when you complete the setup of your payment order. 7.7. We will use reasonable efforts to ensure funds arrive at your recipient’s account within the notified timeframe. We will use reasonable efforts to ensure that the funds arrive in the recipient’s bank account or payment account within the timelines notified to you. We do not have any control over the time it may take for the recipient’s bank or payment provider to credit and make available funds to the recipient. 7.8. If we are unable to complete your payment order, we will let you know and, if possible, the reasons for the refusal and an explanation of how to correct any factual errors. However, we are not required to notify you if such notification would be unlawful. 7.9. You can cancel your order before it is not started to process. 7.10. You must make sure that the information you provide when setting up a payment order is accurate. 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About your Moneliq Account Your Moneliq Account allows you to hold, send or receive payments. The money held on your Moneliq Account does not expire other than when your account is closed, read these rules for more details. The money held on your Moneliq Account will not earn any interest. You may hold your money in any currencies which we support from time to time. You may withdraw money from your Moneliq Account at any time subject to certain conditions, please read these rules for more details. Certain limits may be placed on your Moneliq Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits. The money held on your Moneliq Account belongs to the person or legal entity which is registered as the Moneliq Account holder. Unless you have our consent in writing, you must not allow anyone to operate your Moneliq Account on your behalf. 4.2. We follow the requirements under the UK Electronic Money Regulations 2011 which are designed to ensure the safety of funds held in money accounts like your Moneliq Account. 4.3. You may only use your Moneliq Account Number to receive funds into your Moneliq Account for the following purposes: receiving your own salary and/or wages receiving payouts from e-commerce and freelancer platforms receiving payments from family, friends, or other people you know for personal purposes receiving payments from your clients and other third parties for the purpose of business payments orders processing by Moneliq side behalf of you Please note that you may not use your personal Moneliq account to receive business payments. 4.4. Getting started Open a Moneliq Account. To start using our Services, you must open a Moneliq Account and provide your details as prompted. Information must be accurate. All information you provide to us must be complete, accurate and truthful always. You must update this information whenever it changes. We cannot be responsible for any financial loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents. Transacting on your own account. All activities under a Moneliq Account shall be deemed as activities carried out by the registered user. You shall only use the Services to transact on your own account and not on behalf of any other person or entity. One account per person or entity. You may only open one Moneliq Account unless we have agreed in writing the opening of additional accounts. The Company may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Moneliq may close or merge these duplicate accounts at its sole discretion. 4.5. Keep your Moneliq Account safe 4.5.1. What to do. You must: Change your password regularly and ensure that it isn’t reused across other online accounts. Contact our customer support if anyone asks for your Moneliq password. Set up 2-step authentication where prompted. Keep your e-mail account secure. You may reset your Moneliq Account password using your email address. Let our customer support knows immediately if your email address becomes compromised. 4.5.2. What NOT to do. You must NOT: Disclose your Moneliq Account password. Keep them safe. Let anyone access your Moneliq Account or watch you accessing it. Use any functionality that allows your login details or passwords to be stored by the computer or browser you are using or to be cached or otherwise recorded. Do anything which may in any way avoid or compromise the 2-step authentication process. 4.5.3. Contact us if you suspect your Moneliq Account has been compromised. If you suspect your Moneliq Account or other security credentials are stolen, lost, used without your authorisation, or otherwise compromised, you must contact our customer support immediately, you are also advised to change your password. Any undue delays in notifying us may affect the security of your Moneliq Account and result in you being responsible for financial losses. 4.5.4. You may authorise third parties to access your Moneliq Account to provide their services to you, including authorising them to initiate payments from your Moneliq Account. You acknowledge that if you authorise a third party to access your Moneliq Account, we may disclose certain information about your Moneliq Account to this third party. We are not responsible for any such third party’s use of your Moneliq Account or any information in your Moneliq Account. Granting permission to a third party does not relieve you of your responsibilities under this Agreement, including notifying us if your Moneliq Account has been compromised or if a transaction is incorrect or unauthorised. 4.6. Maintaining your Moneliq Account 4.6.1. All your transactions (including your current Balance, money you have received, sent and/or withdrawn) are recorded in the transaction history section of your Moneliq Account. You may access this information after you log in to your Moneliq Account. We have allocated a reference number to each transaction; you should quote this reference number when communicating with us about a particular transaction. 4.6.2. You must check your Moneliq Account regularly and carefully and contact us immediately if you don’t recognise a transaction or think we have made a payment incorrectly. You must tell us about any unauthorised or incorrectly executed transactions immediately; otherwise, you may not be entitled to have any errors corrected. 4.6.3. If your Moneliq Account goes into a negative amount, including because of a chargeback, reversal of a transaction, deduction of fees or any other action carried by you or a third party, that negative amount represents an amount you owe to Moneliq and you promise to repay the negative amount immediately without any notice from us. We may send you reminders or take such other reasonable actions to recover the negative amount from you, for example, we may use a debt collection service or take further legal actions. We may charge you for any costs we may incur because of these collection efforts. 4.6.4. You are responsible for any taxes which may be applicable to payments you make or receive, and it is your responsibility to collect, report and pay the correct tax to the appropriate tax authority. 4.7. Closing your Moneliq Account 4.7.1. You may end this Agreement and close your Moneliq Account at any time by contacting our customer support. 4.7.2. At the time of closure, if you still have money in your Moneliq Account, you must withdraw your money within a reasonable period by following the steps described in section 9. After a reasonable period, you will no longer have access to your Moneliq Account, but you can still withdraw your money by contacting our customer support. You have the right to do this for a period of 5 years from the date your Moneliq Account is closed. 4.7.3. You must not close your Moneliq Account to avoid an investigation. If you attempt to close your Moneliq Account during an investigation, we may hold your money until the investigation is fully completed to protect our or a third party’s interest. 4.7.4. 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About your Moneliq Account\nYour Moneliq Account allows you to hold, send or receive payments.\nThe money held on your Moneliq Account does not expire other than when your account is closed, read these rules for more details.\nThe money held on your Moneliq Account will not earn any interest.\nYou may hold your money in any currencies which we support from time to time.\nYou may withdraw money from your Moneliq Account at any time subject to certain conditions, please read these rules for more details.\nCertain limits may be placed on your Moneliq Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits.\nThe money held on your Moneliq Account belongs to the person or legal entity which is registered as the Moneliq Account holder.\nUnless you have our consent in writing, you must not allow anyone to operate your Moneliq Account on your behalf.\n4.2. 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You must update this information whenever it changes. We cannot be responsible for any financial loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents.\nTransacting on your own account. All activities under a Moneliq Account shall be deemed as activities carried out by the registered user. You shall only use the Services to transact on your own account and not on behalf of any other person or entity.\nOne account per person or entity. You may only open one Moneliq Account unless we have agreed in writing the opening of additional accounts. The Company may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Moneliq may close or merge these duplicate accounts at its sole discretion.\n4.5. Keep your Moneliq Account safe\n4.5.1. What to do. You must:\nChange your password regularly and ensure that it isn’t reused across other online accounts.\nContact our customer support if anyone asks for your Moneliq password.\nSet up 2-step authentication where prompted.\nKeep your e-mail account secure. You may reset your Moneliq Account password using your email address. Let our customer support knows immediately if your email address becomes compromised.\n4.5.2. What NOT to do. You must NOT:\nDisclose your Moneliq Account password. Keep them safe.\nLet anyone access your Moneliq Account or watch you accessing it.\nUse any functionality that allows your login details or passwords to be stored by the computer or browser you are using or to be cached or otherwise recorded.\nDo anything which may in any way avoid or compromise the 2-step authentication process.\n4.5.3. Contact us if you suspect your Moneliq Account has been compromised. If you suspect your Moneliq Account or other security credentials are stolen, lost, used without your authorisation, or otherwise compromised, you must contact our customer support immediately, you are also advised to change your password. Any undue delays in notifying us may affect the security of your Moneliq Account and result in you being responsible for financial losses.\n4.5.4. You may authorise third parties to access your Moneliq Account to provide their services to you, including authorising them to initiate payments from your Moneliq Account. You acknowledge that if you authorise a third party to access your Moneliq Account, we may disclose certain information about your Moneliq Account to this third party. We are not responsible for any such third party’s use of your Moneliq Account or any information in your Moneliq Account. Granting permission to a third party does not relieve you of your responsibilities under this Agreement, including notifying us if your Moneliq Account has been compromised or if a transaction is incorrect or unauthorised.\n4.6. Maintaining your Moneliq Account\n4.6.1. All your transactions (including your current Balance, money you have received, sent and/or withdrawn) are recorded in the transaction history section of your Moneliq Account. You may access this information after you log in to your Moneliq Account. We have allocated a reference number to each transaction; you should quote this reference number when communicating with us about a particular transaction.\n4.6.2. You must check your Moneliq Account regularly and carefully and contact us immediately if you don’t recognise a transaction or think we have made a payment incorrectly. You must tell us about any unauthorised or incorrectly executed transactions immediately; otherwise, you may not be entitled to have any errors corrected.\n4.6.3. If your Moneliq Account goes into a negative amount, including because of a chargeback, reversal of a transaction, deduction of fees or any other action carried by you or a third party, that negative amount represents an amount you owe to Moneliq and you promise to repay the negative amount immediately without any notice from us. We may send you reminders or take such other reasonable actions to recover the negative amount from you, for example, we may use a debt collection service or take further legal actions. We may charge you for any costs we may incur because of these collection efforts.\n4.6.4. You are responsible for any taxes which may be applicable to payments you make or receive, and it is your responsibility to collect, report and pay the correct tax to the appropriate tax authority.\n4.7. Closing your Moneliq Account\n4.7.1. You may end this Agreement and close your Moneliq Account at any time by contacting our customer support.\n4.7.2. At the time of closure, if you still have money in your Moneliq Account, you must withdraw your money within a reasonable period by following the steps described in section 9. After a reasonable period, you will no longer have access to your Moneliq Account, but you can still withdraw your money by contacting our customer support. You have the right to do this for a period of 5 years from the date your Moneliq Account is closed.\n4.7.3. You must not close your Moneliq Account to avoid an investigation. If you attempt to close your Moneliq Account during an investigation, we may hold your money until the investigation is fully completed to protect our or a third party’s interest.\n4.7.4. 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We are regulated by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations No. 901056. These are the rules on which we provide our Services to you. Please read them carefully before you start to use our Services. These rules tell you who we are, how we will provide the Services to you, how these rules may be changed or ended, what to do if there is a problem and other important information. If you think that there is a mistake in these rules or require any changes, please contact us to discuss. These rules refer to the following additional documents, which also apply to your use of our Services: Privacy Policy, which sets out the terms on which we process any personal data we collect about you, or that you provide to us. By using our Services, you consent to such processing, and you promise that all data provided by you is accurate. Cookie Policy, which sets out information about the “cookies” on our website. Terms and Conditions which sets out the permitted uses and prohibited uses of our Services. By visiting our website and/or using our Services you confirm that you accept and agree to these rules. If you do not agree, please do not use our Services. Please note that we can amend these rules from time to time. Please check this Agreement to ensure you understand the rules that apply at that time: In some instances, we may change this Agreement immediately. Changes to this Agreement which are (1) more favourable to you; (2) required by law; or (3) related to the addition of a new service, extra functionality to the existing Service; or (4) changes which neither reduce your rights nor increase your responsibilities, will come into effect immediately if they are stated in the change notice.","absoluteBoundingBox":{"x":23395.0,"y":187.0,"width":800.0,"height":552.0},"isolatedAbsoluteRenderBounds":{"x":23395.408203125,"y":191.909088134766,"width":798.5078125,"height":544.54541015625},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,136.0]],"size":{"x":800.0,"y":552.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0,"b":0.0,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[],"characters":"The Company Moneliq Limited (company number 12213334) is registered in England and Wales with registered address 25 Cabot Square, London, United Kingdom, E14 4QZ. 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Changes to this Agreement which are (1) more favourable to you; (2) required by law; or (3) related to the addition of a new service, extra functionality to the existing Service; or (4) changes which neither reduce your rights nor increase your responsibilities, will come into effect immediately if they are stated in the change notice.","lineIndentations":[0,0,0,1,1,1,0,0,0],"lineTypes":["NONE","NONE","NONE","UNORDERED","UNORDERED","UNORDERED","NONE","NONE","NONE"],"listStartOffsets":[],"lineStyleOverrides":[0,0,0,0,0,0,0,0,0],"lineTextDirections":null,"textAutoResize":"HEIGHT","style":{"fontFamily":"Inter","fontPostScriptName":null,"fontStyle":"Regular","textAutoResize":"HEIGHT","boundVariables":{"paints":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"fontVariantPosition":"NORMAL","fontSize":16.0,"textAlignHorizontal":"LEFT","textAlignVertical":"TOP","letterSpacing":0.0,"letterSpacingValue":0.0,"letterSpacingUnit":"PERCENT","lineHeightPx":24.0,"lineHeightPercent":123.943664550781,"lineHeightPercentFontSize":150.0,"lineHeightUnit":"PIXELS","paragraphSpacing":0,"paragraphIndent":0,"listSpacing":0,"italic":false,"textCase":"ORIGINAL","textDecoration":"NONE","textDecorationSkipInk":false,"textDecorationStyle":"solid","textTruncation":"DISABLED"},"styleOverrideTable":{}},"50:5480":{"type":"TEXT","id":"50:5480","name":"Services","absoluteBoundingBox":{"x":24190.0,"y":6071.0,"width":66.0,"height":20.0},"isolatedAbsoluteRenderBounds":{"x":24190.908203125,"y":6075.0,"width":63.34765625,"height":12.20458984375},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,196.0]],"size":{"x":66.0,"y":20.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0549019612371922,"g":0.0705882385373116,"b":0.105882354080677,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:7:6345"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:7:6345"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[],"characters":"Services","lineIndentations":[0],"lineTypes":["NONE"],"listStartOffsets":[],"lineStyleOverrides":[0],"lineTextDirections":null,"textAutoResize":"WIDTH_AND_HEIGHT","style":{"fontFamily":"Inter","fontPostScriptName":null,"fontStyle":"Regular","textAutoResize":"WIDTH_AND_HEIGHT","boundVariables":{"paints":[{"type":"VARIABLE_ALIAS","id":"VariableID:7:6345"}]},"fontVariantPosition":"NORMAL","fontSize":16.0,"textAlignHorizontal":"LEFT","textAlignVertical":"TOP","letterSpacing":0.0,"letterSpacingValue":0.0,"letterSpacingUnit":"PERCENT","lineHeightPx":20.0,"lineHeightPercent":103.28638458252,"lineHeightPercentFontSize":125.0,"lineHeightUnit":"PIXELS","paragraphSpacing":0,"paragraphIndent":0,"listSpacing":0,"italic":false,"textCase":"ORIGINAL","textDecoration":"NONE","textDecorationSkipInk":false,"textDecorationStyle":"solid","textTruncation":"DISABLED"},"styleOverrideTable":{}},"50:5635":{"type":"TEXT","id":"50:5635","name":"7.1. To set up a payment order via your Moneliq Account, you need to provide certain information to us including (a) the full name of your recipient, (b) your recipient’s bank account details or their Moneliq Account details and (c) amount to be transferred.Please note that we may place limits on the amount you may send per transfer. 7.2. If your payment order is received by us after 5pm on a Business Day or not on a Business Day, your payment order will be deemed received on the following Business Day. 7.3. Once we have received your payment order, we will display it under the Activity section of your Moneliq account. Each payment order is given a unique transaction number which you can find there. You should quote this number when communicating with us about a particular payment order. 7.4. We will only process your payment order if we hold or have received sufficient cleared funds in your Moneliq Account. It is your responsibility to fund your payment order in a timely manner. We cannot be responsible for the time it takes for the money to be sent to us by your bank or payment service provider. 7.5. We carry out verification checks, and these checks may increase the time it takes to process your payment order. We cannot be responsible for any delays as a result of carrying out those checks. 7.6. The estimated completion time of your payment order is notified to you when you complete the setup of your payment order. 7.7. We will use reasonable efforts to ensure funds arrive at your recipient’s account within the notified timeframe. We will use reasonable efforts to ensure that the funds arrive in the recipient’s bank account or payment account within the timelines notified to you. We do not have any control over the time it may take for the recipient’s bank or payment provider to credit and make available funds to the recipient. 7.8. If we are unable to complete your payment order, we will let you know and, if possible, the reasons for the refusal and an explanation of how to correct any factual errors. However, we are not required to notify you if such notification would be unlawful. 7.9. You can cancel your order before it is not started to process. 7.10. You must make sure that the information you provide when setting up a payment order is accurate. 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To set up a payment order via your Moneliq Account, you need to provide certain information to us including (a) the full name of your recipient, (b) your recipient’s bank account details or their Moneliq Account details and (c) amount to be transferred.Please note that we may place limits on the amount you may send per transfer.\n7.2. If your payment order is received by us after 5pm on a Business Day or not on a Business Day, your payment order will be deemed received on the following Business Day.\n7.3. Once we have received your payment order, we will display it under the Activity section of your Moneliq account. Each payment order is given a unique transaction number which you can find there. You should quote this number when communicating with us about a particular payment order.\n7.4. We will only process your payment order if we hold or have received sufficient cleared funds in your Moneliq Account. It is your responsibility to fund your payment order in a timely manner. 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We are regulated by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations No. 901056.\nThese Terms and Conditions explain you the rules for using our website https://www.moneliq.com/ (our website).\nBy using our website, you confirm that you accept these Terms and Conditions and that you agree to comply with them. If you do not agree to these rules, you cannot use our website.\nThese Terms and Conditions refer to the following additional Policies, which also apply to your use of our website:\nPrivacy Policy, which sets out the rules on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing, and you warrant that all data provided by you is accurate.\nCookies Policy, which sets out information about the cookies on our website.\nPlease note that we can amend these Terms and Conditions from time to time. Please check this Policy to ensure you understand the rules that apply at that time.\n\nWe may update and change our website from time to time to reflect changes to our products, our users' needs, and our business priorities. We may suspend or withdraw our website. We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our website for business and operational reasons. 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You agree to comply with any request from us for further information and provide such information in a format acceptable to us. In addition, you agree that we may make, directly or through any third party, any inquiries we consider necessary to validate the information you provided to us, including checking commercial databases or credit reports. You authorise us to obtain one or more of your credit reports, from time to time, to establish, update, or renew your Moneliq Account with us or in the event of a dispute relating to this Agreement and activity under your Moneliq Account.","absoluteBoundingBox":{"x":24523.0,"y":2995.0,"width":1200.0,"height":144.0},"isolatedAbsoluteRenderBounds":{"x":24523.341796875,"y":3000.81811523438,"width":1197.484375,"height":135.45458984375},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,48.0]],"size":{"x":1200.0,"y":144.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0,"b":0.0,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[],"characters":"We are required by law to carry out all necessary security and customer due diligence checks on you (including any parties involved in your transaction for example, your recipient) to provide any Services to you. You agree to comply with any request from us for further information and provide such information in a format acceptable to us. In addition, you agree that we may make, directly or through any third party, any inquiries we consider necessary to validate the information you provided to us, including checking commercial databases or credit reports. You authorise us to obtain one or more of your credit reports, from time to time, to establish, update, or renew your Moneliq Account with us or in the event of a dispute relating to this Agreement and activity under your Moneliq Account.","lineIndentations":[0],"lineTypes":["NONE"],"listStartOffsets":[],"lineStyleOverrides":[0],"lineTextDirections":null,"textAutoResize":"HEIGHT","style":{"fontFamily":"Inter","fontPostScriptName":null,"fontStyle":"Regular","textAutoResize":"HEIGHT","boundVariables":{"paints":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"fontVariantPosition":"NORMAL","fontSize":16.0,"textAlignHorizontal":"LEFT","textAlignVertical":"TOP","letterSpacing":0.0,"letterSpacingValue":0.0,"letterSpacingUnit":"PERCENT","lineHeightPx":24.0,"lineHeightPercent":123.943664550781,"lineHeightPercentFontSize":150.0,"lineHeightUnit":"PIXELS","paragraphSpacing":0,"paragraphIndent":0,"listSpacing":0,"italic":false,"textCase":"ORIGINAL","textDecoration":"NONE","textDecorationSkipInk":false,"textDecorationStyle":"solid","textTruncation":"DISABLED"},"styleOverrideTable":{}},"130:6641":{"type":"TEXT","id":"130:6641","name":"7.1. To set up a payment order via your Moneliq Account, you need to provide certain information to us including (a) the full name of your recipient, (b) your recipient’s bank account details or their Moneliq Account details and (c) amount to be transferred.Please note that we may place limits on the amount you may send per transfer. 7.2. If your payment order is received by us after 5pm on a Business Day or not on a Business Day, your payment order will be deemed received on the following Business Day. 7.3. Once we have received your payment order, we will display it under the Activity section of your Moneliq account. Each payment order is given a unique transaction number which you can find there. You should quote this number when communicating with us about a particular payment order. 7.4. We will only process your payment order if we hold or have received sufficient cleared funds in your Moneliq Account. It is your responsibility to fund your payment order in a timely manner. We cannot be responsible for the time it takes for the money to be sent to us by your bank or payment service provider. 7.5. We carry out verification checks, and these checks may increase the time it takes to process your payment order. We cannot be responsible for any delays as a result of carrying out those checks. 7.6. The estimated completion time of your payment order is notified to you when you complete the setup of your payment order. 7.7. We will use reasonable efforts to ensure funds arrive at your recipient’s account within the notified timeframe. We will use reasonable efforts to ensure that the funds arrive in the recipient’s bank account or payment account within the timelines notified to you. We do not have any control over the time it may take for the recipient’s bank or payment provider to credit and make available funds to the recipient. 7.8. If we are unable to complete your payment order, we will let you know and, if possible, the reasons for the refusal and an explanation of how to correct any factual errors. However, we are not required to notify you if such notification would be unlawful. 7.9. You can cancel your order before it is not started to process. 7.10. You must make sure that the information you provide when setting up a payment order is accurate. 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About your Moneliq Account Your Moneliq Account allows you to hold, send or receive payments. The money held on your Moneliq Account does not expire other than when your account is closed, read these rules for more details. The money held on your Moneliq Account will not earn any interest. You may hold your money in any currencies which we support from time to time. You may withdraw money from your Moneliq Account at any time subject to certain conditions, please read these rules for more details. Certain limits may be placed on your Moneliq Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits. The money held on your Moneliq Account belongs to the person or legal entity which is registered as the Moneliq Account holder. Unless you have our consent in writing, you must not allow anyone to operate your Moneliq Account on your behalf. 4.2. We follow the requirements under the UK Electronic Money Regulations 2011 which are designed to ensure the safety of funds held in money accounts like your Moneliq Account. 4.3. You may only use your Moneliq Account Number to receive funds into your Moneliq Account for the following purposes: receiving your own salary and/or wages receiving payouts from e-commerce and freelancer platforms receiving payments from family, friends, or other people you know for personal purposes receiving payments from your clients and other third parties for the purpose of business payments orders processing by Moneliq side behalf of you Please note that you may not use your personal Moneliq account to receive business payments. 4.4. Getting started Open a Moneliq Account. To start using our Services, you must open a Moneliq Account and provide your details as prompted. Information must be accurate. All information you provide to us must be complete, accurate and truthful always. You must update this information whenever it changes. We cannot be responsible for any financial loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents. Transacting on your own account. All activities under a Moneliq Account shall be deemed as activities carried out by the registered user. You shall only use the Services to transact on your own account and not on behalf of any other person or entity. One account per person or entity. You may only open one Moneliq Account unless we have agreed in writing the opening of additional accounts. The Company may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Moneliq may close or merge these duplicate accounts at its sole discretion. 4.5. Keep your Moneliq Account safe 4.5.1. What to do. You must: Change your password regularly and ensure that it isn’t reused across other online accounts. Contact our customer support if anyone asks for your Moneliq password. Set up 2-step authentication where prompted. Keep your e-mail account secure. You may reset your Moneliq Account password using your email address. Let our customer support knows immediately if your email address becomes compromised. 4.5.2. What NOT to do. You must NOT: Disclose your Moneliq Account password. Keep them safe. Let anyone access your Moneliq Account or watch you accessing it. Use any functionality that allows your login details or passwords to be stored by the computer or browser you are using or to be cached or otherwise recorded. Do anything which may in any way avoid or compromise the 2-step authentication process. 4.5.3. Contact us if you suspect your Moneliq Account has been compromised. If you suspect your Moneliq Account or other security credentials are stolen, lost, used without your authorisation, or otherwise compromised, you must contact our customer support immediately, you are also advised to change your password. Any undue delays in notifying us may affect the security of your Moneliq Account and result in you being responsible for financial losses. 4.5.4. You may authorise third parties to access your Moneliq Account to provide their services to you, including authorising them to initiate payments from your Moneliq Account. You acknowledge that if you authorise a third party to access your Moneliq Account, we may disclose certain information about your Moneliq Account to this third party. We are not responsible for any such third party’s use of your Moneliq Account or any information in your Moneliq Account. Granting permission to a third party does not relieve you of your responsibilities under this Agreement, including notifying us if your Moneliq Account has been compromised or if a transaction is incorrect or unauthorised. 4.6. Maintaining your Moneliq Account 4.6.1. All your transactions (including your current Balance, money you have received, sent and/or withdrawn) are recorded in the transaction history section of your Moneliq Account. You may access this information after you log in to your Moneliq Account. We have allocated a reference number to each transaction; you should quote this reference number when communicating with us about a particular transaction. 4.6.2. You must check your Moneliq Account regularly and carefully and contact us immediately if you don’t recognise a transaction or think we have made a payment incorrectly. You must tell us about any unauthorised or incorrectly executed transactions immediately; otherwise, you may not be entitled to have any errors corrected. 4.6.3. If your Moneliq Account goes into a negative amount, including because of a chargeback, reversal of a transaction, deduction of fees or any other action carried by you or a third party, that negative amount represents an amount you owe to Moneliq and you promise to repay the negative amount immediately without any notice from us. We may send you reminders or take such other reasonable actions to recover the negative amount from you, for example, we may use a debt collection service or take further legal actions. We may charge you for any costs we may incur because of these collection efforts. 4.6.4. You are responsible for any taxes which may be applicable to payments you make or receive, and it is your responsibility to collect, report and pay the correct tax to the appropriate tax authority. 4.7. Closing your Moneliq Account 4.7.1. You may end this Agreement and close your Moneliq Account at any time by contacting our customer support. 4.7.2. At the time of closure, if you still have money in your Moneliq Account, you must withdraw your money within a reasonable period by following the steps described in section 9. After a reasonable period, you will no longer have access to your Moneliq Account, but you can still withdraw your money by contacting our customer support. You have the right to do this for a period of 5 years from the date your Moneliq Account is closed. 4.7.3. You must not close your Moneliq Account to avoid an investigation. If you attempt to close your Moneliq Account during an investigation, we may hold your money until the investigation is fully completed to protect our or a third party’s interest. 4.7.4. 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About your Moneliq Account\nYour Moneliq Account allows you to hold, send or receive payments.\nThe money held on your Moneliq Account does not expire other than when your account is closed, read these rules for more details.\nThe money held on your Moneliq Account will not earn any interest.\nYou may hold your money in any currencies which we support from time to time.\nYou may withdraw money from your Moneliq Account at any time subject to certain conditions, please read these rules for more details.\nCertain limits may be placed on your Moneliq Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits.\nThe money held on your Moneliq Account belongs to the person or legal entity which is registered as the Moneliq Account holder.\nUnless you have our consent in writing, you must not allow anyone to operate your Moneliq Account on your behalf.\n4.2. 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We are regulated by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations No. 901056. These Terms and Conditions explain you the rules for using our website https://www.moneliq.com/ (our website). By using our website, you confirm that you accept these Terms and Conditions and that you agree to comply with them. If you do not agree to these rules, you cannot use our website. These Terms and Conditions refer to the following additional Policies, which also apply to your use of our website: Privacy Policy, which sets out the rules on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing, and you warrant that all data provided by you is accurate. Cookies Policy, which sets out information about the cookies on our website. Please note that we can amend these Terms and Conditions from time to time. Please check this Policy to ensure you understand the rules that apply at that time. We may update and change our website from time to time to reflect changes to our products, our users' needs, and our business priorities. We may suspend or withdraw our website. We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our website for business and operational reasons. 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We are regulated by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations No. 901056.\nThese Terms and Conditions explain you the rules for using our website https://www.moneliq.com/ (our website).\nBy using our website, you confirm that you accept these Terms and Conditions and that you agree to comply with them. If you do not agree to these rules, you cannot use our website.\nThese Terms and Conditions refer to the following additional Policies, which also apply to your use of our website:\nPrivacy Policy, which sets out the rules on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing, and you warrant that all data provided by you is accurate.\nCookies Policy, which sets out information about the cookies on our website.\nPlease note that we can amend these Terms and Conditions from time to time. Please check this Policy to ensure you understand the rules that apply at that time.\n\nWe may update and change our website from time to time to reflect changes to our products, our users' needs, and our business priorities. We may suspend or withdraw our website. We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our website for business and operational reasons. 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While this list is representative, it is not exhaustive, and we reserve our right to deny our services to any customers who exceed our risk tolerance: 1) Adult content Pornography and other visual content depicting explicitly sexual acts Services of sexual nature (webcam shows, live chats, prostitution, escorts, etc) Sexually oriented establishments (massage parlours, strip clubs, gentleman’s clubs) 2) Cannabis 3) Certain controlled substances or other products that present a risk to consumer safety: Smart drugs, nootropic supplements. 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If you choose a user password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.We have the right to suspend your account using at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and ConditionsIf you know or suspect that anyone other than you, knows your user password, you must promptly notify us using the customer chat function on our site. 2.2. Unless otherwise stated, the copyright, trademarks, and other intellectual property rights in all material on our website (including without limitation text, tools, photographs, and graphical images) are owned by us or our licensors.You may not reproduce or adapt our website in whole or in part without our prior written consent, except for the purpose of accessing our products and/or services and for producing print outs for your own personal and non-commercial purposes. No part of our website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.Any use of our website other than in accordance with these Terms and Conditions is prohibited. If you breach any of these Terms and Conditions, your permission to use our website automatically terminates and you must immediately destroy any downloaded or printed extracts from our website.Any rights not expressly granted in these Terms and Conditions are reserved. 2.3. The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our website. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete, or up to date. 2.4. Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to our website shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material. We shall be free to copy, disclose, distribute, incorporate, and otherwise use such material and all data, images, sounds, text, and other things embodied in them for all commercial or non-commercial purposes.You must not post or transmit to or from our website any material: (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (b) for which you have not obtained all necessary licenses and/or approvals; or (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You may not misuse our website (including, without limitation, by hacking).We will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms and Conditions. 2.5. Links to third party websites on our website are provided solely for your convenience. If you use these links, you leave our website. We have not reviewed all these third-party websites and do not control and are not responsible for their content or availability. We do not endorse or make any representations about them, or any material found there. If you decide to access any of the third-party websites linked to our website, you do so entirely at your own risk.If you would like to link to our website, you may only do so on the basis that you link to, but do not replicate, the home page of our website, and subject to the following conditions: (a) you do not remove, distort or otherwise alter the size or appearance of the any images or logos; (b) you do not create a frame or any other browser or border environment around our website; (c) you do not in any way imply that the we are endorsing any products or services other than our own; (d) you do not misrepresent your relationship with us nor present any other false information about us; (e) you do not otherwise use any trademarks displayed on our website without our express written permission; (f) you do not link from a website that is not owned by you; and (g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations. We expressly reserve the right to revoke the right granted in this clause for breach of these Terms and Conditions and to take any action deem appropriate. You shall be responsible for any loss or damage suffered by us for breach of this clause. 2.6. Please remember that email is not a completely secure means of communication: it may be possible for others to intercept and read your messages. 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If you choose a user password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.We have the right to suspend your account using at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and ConditionsIf you know or suspect that anyone other than you, knows your user password, you must promptly notify us using the customer chat function on our site.\n2.2. Unless otherwise stated, the copyright, trademarks, and other intellectual property rights in all material on our website (including without limitation text, tools, photographs, and graphical images) are owned by us or our licensors.You may not reproduce or adapt our website in whole or in part without our prior written consent, except for the purpose of accessing our products and/or services and for producing print outs for your own personal and non-commercial purposes. No part of our website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.Any use of our website other than in accordance with these Terms and Conditions is prohibited. If you breach any of these Terms and Conditions, your permission to use our website automatically terminates and you must immediately destroy any downloaded or printed extracts from our website.Any rights not expressly granted in these Terms and Conditions are reserved.\n2.3. The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our website. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete, or up to date.\n2.4. Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to our website shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material. We shall be free to copy, disclose, distribute, incorporate, and otherwise use such material and all data, images, sounds, text, and other things embodied in them for all commercial or non-commercial purposes.You must not post or transmit to or from our website any material: (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (b) for which you have not obtained all necessary licenses and/or approvals; or (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You may not misuse our website (including, without limitation, by hacking).We will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms and Conditions.\n2.5. Links to third party websites on our website are provided solely for your convenience. If you use these links, you leave our website. We have not reviewed all these third-party websites and do not control and are not responsible for their content or availability. We do not endorse or make any representations about them, or any material found there. If you decide to access any of the third-party websites linked to our website, you do so entirely at your own risk.If you would like to link to our website, you may only do so on the basis that you link to, but do not replicate, the home page of our website, and subject to the following conditions: (a) you do not remove, distort or otherwise alter the size or appearance of the any images or logos; (b) you do not create a frame or any other browser or border environment around our website; (c) you do not in any way imply that the we are endorsing any products or services other than our own; (d) you do not misrepresent your relationship with us nor present any other false information about us; (e) you do not otherwise use any trademarks displayed on our website without our express written permission; (f) you do not link from a website that is not owned by you; and (g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations. 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About your Moneliq Account Your Moneliq Account allows you to hold, send or receive payments. The money held on your Moneliq Account does not expire other than when your account is closed, read these rules for more details. The money held on your Moneliq Account will not earn any interest. You may hold your money in any currencies which we support from time to time. You may withdraw money from your Moneliq Account at any time subject to certain conditions, please read these rules for more details. Certain limits may be placed on your Moneliq Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits. The money held on your Moneliq Account belongs to the person or legal entity which is registered as the Moneliq Account holder. Unless you have our consent in writing, you must not allow anyone to operate your Moneliq Account on your behalf. 4.2. We follow the requirements under the UK Electronic Money Regulations 2011 which are designed to ensure the safety of funds held in money accounts like your Moneliq Account. 4.3. You may only use your Moneliq Account Number to receive funds into your Moneliq Account for the following purposes: receiving your own salary and/or wages receiving payouts from e-commerce and freelancer platforms receiving payments from family, friends, or other people you know for personal purposes receiving payments from your clients and other third parties for the purpose of business payments orders processing by Moneliq side behalf of you Please note that you may not use your personal Moneliq account to receive business payments. 4.4. Getting started Open a Moneliq Account. To start using our Services, you must open a Moneliq Account and provide your details as prompted. Information must be accurate. All information you provide to us must be complete, accurate and truthful always. You must update this information whenever it changes. We cannot be responsible for any financial loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents. Transacting on your own account. All activities under a Moneliq Account shall be deemed as activities carried out by the registered user. You shall only use the Services to transact on your own account and not on behalf of any other person or entity. One account per person or entity. You may only open one Moneliq Account unless we have agreed in writing the opening of additional accounts. The Company may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Moneliq may close or merge these duplicate accounts at its sole discretion. 4.5. Keep your Moneliq Account safe 4.5.1. What to do. You must: Change your password regularly and ensure that it isn’t reused across other online accounts. Contact our customer support if anyone asks for your Moneliq password. Set up 2-step authentication where prompted. Keep your e-mail account secure. You may reset your Moneliq Account password using your email address. Let our customer support knows immediately if your email address becomes compromised. 4.5.2. What NOT to do. You must NOT: Disclose your Moneliq Account password. Keep them safe. Let anyone access your Moneliq Account or watch you accessing it. Use any functionality that allows your login details or passwords to be stored by the computer or browser you are using or to be cached or otherwise recorded. Do anything which may in any way avoid or compromise the 2-step authentication process. 4.5.3. Contact us if you suspect your Moneliq Account has been compromised. If you suspect your Moneliq Account or other security credentials are stolen, lost, used without your authorisation, or otherwise compromised, you must contact our customer support immediately, you are also advised to change your password. Any undue delays in notifying us may affect the security of your Moneliq Account and result in you being responsible for financial losses. 4.5.4. You may authorise third parties to access your Moneliq Account to provide their services to you, including authorising them to initiate payments from your Moneliq Account. You acknowledge that if you authorise a third party to access your Moneliq Account, we may disclose certain information about your Moneliq Account to this third party. We are not responsible for any such third party’s use of your Moneliq Account or any information in your Moneliq Account. Granting permission to a third party does not relieve you of your responsibilities under this Agreement, including notifying us if your Moneliq Account has been compromised or if a transaction is incorrect or unauthorised. 4.6. Maintaining your Moneliq Account 4.6.1. All your transactions (including your current Balance, money you have received, sent and/or withdrawn) are recorded in the transaction history section of your Moneliq Account. You may access this information after you log in to your Moneliq Account. We have allocated a reference number to each transaction; you should quote this reference number when communicating with us about a particular transaction. 4.6.2. You must check your Moneliq Account regularly and carefully and contact us immediately if you don’t recognise a transaction or think we have made a payment incorrectly. You must tell us about any unauthorised or incorrectly executed transactions immediately; otherwise, you may not be entitled to have any errors corrected. 4.6.3. If your Moneliq Account goes into a negative amount, including because of a chargeback, reversal of a transaction, deduction of fees or any other action carried by you or a third party, that negative amount represents an amount you owe to Moneliq and you promise to repay the negative amount immediately without any notice from us. We may send you reminders or take such other reasonable actions to recover the negative amount from you, for example, we may use a debt collection service or take further legal actions. We may charge you for any costs we may incur because of these collection efforts. 4.6.4. You are responsible for any taxes which may be applicable to payments you make or receive, and it is your responsibility to collect, report and pay the correct tax to the appropriate tax authority. 4.7. 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No part of our website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.Any use of our website other than in accordance with these Terms and Conditions is prohibited. If you breach any of these Terms and Conditions, your permission to use our website automatically terminates and you must immediately destroy any downloaded or printed extracts from our website.Any rights not expressly granted in these Terms and Conditions are reserved. 2.3. The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our website. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete, or up to date. 2.4. Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to our website shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material. We shall be free to copy, disclose, distribute, incorporate, and otherwise use such material and all data, images, sounds, text, and other things embodied in them for all commercial or non-commercial purposes.You must not post or transmit to or from our website any material: (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (b) for which you have not obtained all necessary licenses and/or approvals; or (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You may not misuse our website (including, without limitation, by hacking).We will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms and Conditions. 2.5. Links to third party websites on our website are provided solely for your convenience. If you use these links, you leave our website. We have not reviewed all these third-party websites and do not control and are not responsible for their content or availability. We do not endorse or make any representations about them, or any material found there. If you decide to access any of the third-party websites linked to our website, you do so entirely at your own risk.If you would like to link to our website, you may only do so on the basis that you link to, but do not replicate, the home page of our website, and subject to the following conditions: (a) you do not remove, distort or otherwise alter the size or appearance of the any images or logos; (b) you do not create a frame or any other browser or border environment around our website; (c) you do not in any way imply that the we are endorsing any products or services other than our own; (d) you do not misrepresent your relationship with us nor present any other false information about us; (e) you do not otherwise use any trademarks displayed on our website without our express written permission; (f) you do not link from a website that is not owned by you; and (g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations. 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If you choose a user password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.We have the right to suspend your account using at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and ConditionsIf you know or suspect that anyone other than you, knows your user password, you must promptly notify us using the customer chat function on our site. 2.2. Unless otherwise stated, the copyright, trademarks, and other intellectual property rights in all material on our website (including without limitation text, tools, photographs, and graphical images) are owned by us or our licensors.You may not reproduce or adapt our website in whole or in part without our prior written consent, except for the purpose of accessing our products and/or services and for producing print outs for your own personal and non-commercial purposes. No part of our website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.Any use of our website other than in accordance with these Terms and Conditions is prohibited. If you breach any of these Terms and Conditions, your permission to use our website automatically terminates and you must immediately destroy any downloaded or printed extracts from our website.Any rights not expressly granted in these Terms and Conditions are reserved. 2.3. The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our website. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete, or up to date. 2.4. Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to our website shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material. We shall be free to copy, disclose, distribute, incorporate, and otherwise use such material and all data, images, sounds, text, and other things embodied in them for all commercial or non-commercial purposes.You must not post or transmit to or from our website any material: (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (b) for which you have not obtained all necessary licenses and/or approvals; or (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You may not misuse our website (including, without limitation, by hacking).We will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms and Conditions. 2.5. Links to third party websites on our website are provided solely for your convenience. If you use these links, you leave our website. We have not reviewed all these third-party websites and do not control and are not responsible for their content or availability. We do not endorse or make any representations about them, or any material found there. If you decide to access any of the third-party websites linked to our website, you do so entirely at your own risk.If you would like to link to our website, you may only do so on the basis that you link to, but do not replicate, the home page of our website, and subject to the following conditions: (a) you do not remove, distort or otherwise alter the size or appearance of the any images or logos; (b) you do not create a frame or any other browser or border environment around our website; (c) you do not in any way imply that the we are endorsing any products or services other than our own; (d) you do not misrepresent your relationship with us nor present any other false information about us; (e) you do not otherwise use any trademarks displayed on our website without our express written permission; (f) you do not link from a website that is not owned by you; and (g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations. We expressly reserve the right to revoke the right granted in this clause for breach of these Terms and Conditions and to take any action deem appropriate. You shall be responsible for any loss or damage suffered by us for breach of this clause. 2.6. Please remember that email is not a completely secure means of communication: it may be possible for others to intercept and read your messages. 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Terms and Conditions which sets out the permitted uses and prohibited uses of our Services. By visiting our website and/or using our Services you confirm that you accept and agree to these rules. If you do not agree, please do not use our Services. Please note that we can amend these rules from time to time. Please check this Agreement to ensure you understand the rules that apply at that time: In some instances, we may change this Agreement immediately. Changes to this Agreement which are (1) more favourable to you; (2) required by law; or (3) related to the addition of a new service, extra functionality to the existing Service; or (4) changes which neither reduce your rights nor increase your responsibilities, will come into effect immediately if they are stated in the change notice.","absoluteBoundingBox":{"x":25379.0,"y":17.0,"width":752.0,"height":576.0},"isolatedAbsoluteRenderBounds":{"x":25379.5,"y":21.9090900421143,"width":749.849609375,"height":565.272705078125},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,136.0]],"size":{"x":752.0,"y":576.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0,"b":0.0,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[],"characters":"The Company Moneliq Limited (company number 12213334) is registered in England and Wales with registered address 30 Moorgate Office 516, London, United Kingdom, EC2R 6DN. 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If you choose a user password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.We have the right to suspend your account using at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and ConditionsIf you know or suspect that anyone other than you, knows your user password, you must promptly notify us using the customer chat function on our site. 2.2. Unless otherwise stated, the copyright, trademarks, and other intellectual property rights in all material on our website (including without limitation text, tools, photographs, and graphical images) are owned by us or our licensors.You may not reproduce or adapt our website in whole or in part without our prior written consent, except for the purpose of accessing our products and/or services and for producing print outs for your own personal and non-commercial purposes. No part of our website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.Any use of our website other than in accordance with these Terms and Conditions is prohibited. If you breach any of these Terms and Conditions, your permission to use our website automatically terminates and you must immediately destroy any downloaded or printed extracts from our website.Any rights not expressly granted in these Terms and Conditions are reserved. 2.3. The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our website. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete, or up to date. 2.4. Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to our website shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material. We shall be free to copy, disclose, distribute, incorporate, and otherwise use such material and all data, images, sounds, text, and other things embodied in them for all commercial or non-commercial purposes.You must not post or transmit to or from our website any material: (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (b) for which you have not obtained all necessary licenses and/or approvals; or (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You may not misuse our website (including, without limitation, by hacking).We will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms and Conditions. 2.5. Links to third party websites on our website are provided solely for your convenience. If you use these links, you leave our website. We have not reviewed all these third-party websites and do not control and are not responsible for their content or availability. We do not endorse or make any representations about them, or any material found there. If you decide to access any of the third-party websites linked to our website, you do so entirely at your own risk.If you would like to link to our website, you may only do so on the basis that you link to, but do not replicate, the home page of our website, and subject to the following conditions: (a) you do not remove, distort or otherwise alter the size or appearance of the any images or logos; (b) you do not create a frame or any other browser or border environment around our website; (c) you do not in any way imply that the we are endorsing any products or services other than our own; (d) you do not misrepresent your relationship with us nor present any other false information about us; (e) you do not otherwise use any trademarks displayed on our website without our express written permission; (f) you do not link from a website that is not owned by you; and (g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations. We expressly reserve the right to revoke the right granted in this clause for breach of these Terms and Conditions and to take any action deem appropriate. You shall be responsible for any loss or damage suffered by us for breach of this clause. 2.6. Please remember that email is not a completely secure means of communication: it may be possible for others to intercept and read your messages. 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If you choose a user password, or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.We have the right to suspend your account using at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms and ConditionsIf you know or suspect that anyone other than you, knows your user password, you must promptly notify us using the customer chat function on our site.\n2.2. Unless otherwise stated, the copyright, trademarks, and other intellectual property rights in all material on our website (including without limitation text, tools, photographs, and graphical images) are owned by us or our licensors.You may not reproduce or adapt our website in whole or in part without our prior written consent, except for the purpose of accessing our products and/or services and for producing print outs for your own personal and non-commercial purposes. No part of our website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.Any use of our website other than in accordance with these Terms and Conditions is prohibited. If you breach any of these Terms and Conditions, your permission to use our website automatically terminates and you must immediately destroy any downloaded or printed extracts from our website.Any rights not expressly granted in these Terms and Conditions are reserved.\n2.3. The content on our website is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action based on the content on our website. Although we make reasonable efforts to update the information on our website, we make no representations, warranties or guarantees, whether express or implied, that the content on our website is accurate, complete, or up to date.\n2.4. Other than personally identifiable information, which is covered under our Privacy Policy, any material you transmit or post to our website shall be considered non-confidential and non-proprietary. We shall have no obligations with respect to such material. We shall be free to copy, disclose, distribute, incorporate, and otherwise use such material and all data, images, sounds, text, and other things embodied in them for all commercial or non-commercial purposes.You must not post or transmit to or from our website any material: (a) that is threatening, defamatory, obscene, indecent, seditious, offensive, pornographic, abusive, liable to incite racial hatred, discriminatory, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience; or (b) for which you have not obtained all necessary licenses and/or approvals; or (c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or (d) which is technically harmful (including, without limitation, computer viruses, logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data). You may not misuse our website (including, without limitation, by hacking).We will cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms and Conditions.\n2.5. Links to third party websites on our website are provided solely for your convenience. If you use these links, you leave our website. We have not reviewed all these third-party websites and do not control and are not responsible for their content or availability. We do not endorse or make any representations about them, or any material found there. If you decide to access any of the third-party websites linked to our website, you do so entirely at your own risk.If you would like to link to our website, you may only do so on the basis that you link to, but do not replicate, the home page of our website, and subject to the following conditions: (a) you do not remove, distort or otherwise alter the size or appearance of the any images or logos; (b) you do not create a frame or any other browser or border environment around our website; (c) you do not in any way imply that the we are endorsing any products or services other than our own; (d) you do not misrepresent your relationship with us nor present any other false information about us; (e) you do not otherwise use any trademarks displayed on our website without our express written permission; (f) you do not link from a website that is not owned by you; and (g) your website does not contain content that is distasteful, offensive or controversial, infringes any intellectual property rights or other rights of any other person or otherwise does not comply with all applicable laws and regulations. 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Any payment instrument (for example, the credit card or debit card) you use with your chosen Paying Method must be in your name. 6.4. Chargebacks on your payment instrument. If you selected a Paying Method which gives you chargeback rights (for example in relation to your credit card, you may ask your card provider to reverse a transaction on your card), you promise that you will only exercise this chargeback right if: we have breached this Agreement; or there was an unauthorised use of your payment instrument. You promise that you will not exercise your chargeback right for reasons which we are not responsible, including a dispute with your recipient or if there are insufficient funds in your payment instrument. If we need to investigate or take any actions in connection with a chargeback raised by you, we may charge you for our costs in doing so and may deduct such amount from your Moneliq Account. 6.5. Upload limits on your Moneliq Account. 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We are regulated by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations No. 901056. These Terms and Conditions explain you the rules for using our website https://www.moneliq.com/ (our website). By using our website, you confirm that you accept these Terms and Conditions and that you agree to comply with them. If you do not agree to these rules, you cannot use our website. These Terms and Conditions refer to the following additional Policies, which also apply to your use of our website: Privacy Policy, which sets out the rules on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing, and you warrant that all data provided by you is accurate. Cookies Policy, which sets out information about the cookies on our website. Please note that we can amend these Terms and Conditions from time to time. Please check this Policy to ensure you understand the rules that apply at that time. We may update and change our website from time to time to reflect changes to our products, our users' needs, and our business priorities. We may suspend or withdraw our website. We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our website for business and operational reasons. 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About your Moneliq Account Your Moneliq Account allows you to hold, send or receive payments. The money held on your Moneliq Account does not expire other than when your account is closed, read these rules for more details. The money held on your Moneliq Account will not earn any interest. You may hold your money in any currencies which we support from time to time. You may withdraw money from your Moneliq Account at any time subject to certain conditions, please read these rules for more details. Certain limits may be placed on your Moneliq Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits. The money held on your Moneliq Account belongs to the person or legal entity which is registered as the Moneliq Account holder. Unless you have our consent in writing, you must not allow anyone to operate your Moneliq Account on your behalf. 4.2. We follow the requirements under the UK Electronic Money Regulations 2011 which are designed to ensure the safety of funds held in money accounts like your Moneliq Account. 4.3. You may only use your Moneliq Account Number to receive funds into your Moneliq Account for the following purposes: receiving your own salary and/or wages receiving payouts from e-commerce and freelancer platforms receiving payments from family, friends, or other people you know for personal purposes receiving payments from your clients and other third parties for the purpose of business payments orders processing by Moneliq side behalf of you Please note that you may not use your personal Moneliq account to receive business payments. 4.4. Getting started Open a Moneliq Account. To start using our Services, you must open a Moneliq Account and provide your details as prompted. Information must be accurate. All information you provide to us must be complete, accurate and truthful always. You must update this information whenever it changes. We cannot be responsible for any financial loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents. Transacting on your own account. All activities under a Moneliq Account shall be deemed as activities carried out by the registered user. You shall only use the Services to transact on your own account and not on behalf of any other person or entity. One account per person or entity. You may only open one Moneliq Account unless we have agreed in writing the opening of additional accounts. The Company may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Moneliq may close or merge these duplicate accounts at its sole discretion. 4.5. Keep your Moneliq Account safe 4.5.1. What to do. You must: Change your password regularly and ensure that it isn’t reused across other online accounts. Contact our customer support if anyone asks for your Moneliq password. Set up 2-step authentication where prompted. Keep your e-mail account secure. You may reset your Moneliq Account password using your email address. Let our customer support knows immediately if your email address becomes compromised. 4.5.2. What NOT to do. You must NOT: Disclose your Moneliq Account password. Keep them safe. Let anyone access your Moneliq Account or watch you accessing it. Use any functionality that allows your login details or passwords to be stored by the computer or browser you are using or to be cached or otherwise recorded. Do anything which may in any way avoid or compromise the 2-step authentication process. 4.5.3. Contact us if you suspect your Moneliq Account has been compromised. If you suspect your Moneliq Account or other security credentials are stolen, lost, used without your authorisation, or otherwise compromised, you must contact our customer support immediately, you are also advised to change your password. Any undue delays in notifying us may affect the security of your Moneliq Account and result in you being responsible for financial losses. 4.5.4. You may authorise third parties to access your Moneliq Account to provide their services to you, including authorising them to initiate payments from your Moneliq Account. You acknowledge that if you authorise a third party to access your Moneliq Account, we may disclose certain information about your Moneliq Account to this third party. We are not responsible for any such third party’s use of your Moneliq Account or any information in your Moneliq Account. Granting permission to a third party does not relieve you of your responsibilities under this Agreement, including notifying us if your Moneliq Account has been compromised or if a transaction is incorrect or unauthorised. 4.6. Maintaining your Moneliq Account 4.6.1. All your transactions (including your current Balance, money you have received, sent and/or withdrawn) are recorded in the transaction history section of your Moneliq Account. You may access this information after you log in to your Moneliq Account. We have allocated a reference number to each transaction; you should quote this reference number when communicating with us about a particular transaction. 4.6.2. You must check your Moneliq Account regularly and carefully and contact us immediately if you don’t recognise a transaction or think we have made a payment incorrectly. You must tell us about any unauthorised or incorrectly executed transactions immediately; otherwise, you may not be entitled to have any errors corrected. 4.6.3. If your Moneliq Account goes into a negative amount, including because of a chargeback, reversal of a transaction, deduction of fees or any other action carried by you or a third party, that negative amount represents an amount you owe to Moneliq and you promise to repay the negative amount immediately without any notice from us. We may send you reminders or take such other reasonable actions to recover the negative amount from you, for example, we may use a debt collection service or take further legal actions. We may charge you for any costs we may incur because of these collection efforts. 4.6.4. You are responsible for any taxes which may be applicable to payments you make or receive, and it is your responsibility to collect, report and pay the correct tax to the appropriate tax authority. 4.7. Closing your Moneliq Account 4.7.1. You may end this Agreement and close your Moneliq Account at any time by contacting our customer support. 4.7.2. At the time of closure, if you still have money in your Moneliq Account, you must withdraw your money within a reasonable period by following the steps described in section 9. After a reasonable period, you will no longer have access to your Moneliq Account, but you can still withdraw your money by contacting our customer support. You have the right to do this for a period of 5 years from the date your Moneliq Account is closed. 4.7.3. You must not close your Moneliq Account to avoid an investigation. If you attempt to close your Moneliq Account during an investigation, we may hold your money until the investigation is fully completed to protect our or a third party’s interest. 4.7.4. 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About your Moneliq Account\nYour Moneliq Account allows you to hold, send or receive payments.\nThe money held on your Moneliq Account does not expire other than when your account is closed, read these rules for more details.\nThe money held on your Moneliq Account will not earn any interest.\nYou may hold your money in any currencies which we support from time to time.\nYou may withdraw money from your Moneliq Account at any time subject to certain conditions, please read these rules for more details.\nCertain limits may be placed on your Moneliq Account depending on your country of residence, verification checks or other legal considerations. Please contact us if you have any questions about these limits.\nThe money held on your Moneliq Account belongs to the person or legal entity which is registered as the Moneliq Account holder.\nUnless you have our consent in writing, you must not allow anyone to operate your Moneliq Account on your behalf.\n4.2. 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You must update this information whenever it changes. We cannot be responsible for any financial loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information and/or provide additional supporting documents.\nTransacting on your own account. All activities under a Moneliq Account shall be deemed as activities carried out by the registered user. You shall only use the Services to transact on your own account and not on behalf of any other person or entity.\nOne account per person or entity. You may only open one Moneliq Account unless we have agreed in writing the opening of additional accounts. The Company may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Moneliq may close or merge these duplicate accounts at its sole discretion.\n4.5. Keep your Moneliq Account safe\n4.5.1. What to do. You must:\nChange your password regularly and ensure that it isn’t reused across other online accounts.\nContact our customer support if anyone asks for your Moneliq password.\nSet up 2-step authentication where prompted.\nKeep your e-mail account secure. You may reset your Moneliq Account password using your email address. Let our customer support knows immediately if your email address becomes compromised.\n4.5.2. What NOT to do. You must NOT:\nDisclose your Moneliq Account password. Keep them safe.\nLet anyone access your Moneliq Account or watch you accessing it.\nUse any functionality that allows your login details or passwords to be stored by the computer or browser you are using or to be cached or otherwise recorded.\nDo anything which may in any way avoid or compromise the 2-step authentication process.\n4.5.3. Contact us if you suspect your Moneliq Account has been compromised. If you suspect your Moneliq Account or other security credentials are stolen, lost, used without your authorisation, or otherwise compromised, you must contact our customer support immediately, you are also advised to change your password. Any undue delays in notifying us may affect the security of your Moneliq Account and result in you being responsible for financial losses.\n4.5.4. You may authorise third parties to access your Moneliq Account to provide their services to you, including authorising them to initiate payments from your Moneliq Account. You acknowledge that if you authorise a third party to access your Moneliq Account, we may disclose certain information about your Moneliq Account to this third party. We are not responsible for any such third party’s use of your Moneliq Account or any information in your Moneliq Account. Granting permission to a third party does not relieve you of your responsibilities under this Agreement, including notifying us if your Moneliq Account has been compromised or if a transaction is incorrect or unauthorised.\n4.6. Maintaining your Moneliq Account\n4.6.1. All your transactions (including your current Balance, money you have received, sent and/or withdrawn) are recorded in the transaction history section of your Moneliq Account. You may access this information after you log in to your Moneliq Account. We have allocated a reference number to each transaction; you should quote this reference number when communicating with us about a particular transaction.\n4.6.2. You must check your Moneliq Account regularly and carefully and contact us immediately if you don’t recognise a transaction or think we have made a payment incorrectly. You must tell us about any unauthorised or incorrectly executed transactions immediately; otherwise, you may not be entitled to have any errors corrected.\n4.6.3. If your Moneliq Account goes into a negative amount, including because of a chargeback, reversal of a transaction, deduction of fees or any other action carried by you or a third party, that negative amount represents an amount you owe to Moneliq and you promise to repay the negative amount immediately without any notice from us. We may send you reminders or take such other reasonable actions to recover the negative amount from you, for example, we may use a debt collection service or take further legal actions. We may charge you for any costs we may incur because of these collection efforts.\n4.6.4. You are responsible for any taxes which may be applicable to payments you make or receive, and it is your responsibility to collect, report and pay the correct tax to the appropriate tax authority.\n4.7. 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We are regulated by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations No. 901056. These Terms and Conditions explain you the rules for using our website https://www.moneliq.com/ (our website). By using our website, you confirm that you accept these Terms and Conditions and that you agree to comply with them. If you do not agree to these rules, you cannot use our website. These Terms and Conditions refer to the following additional Policies, which also apply to your use of our website: Privacy Policy, which sets out the rules on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing, and you warrant that all data provided by you is accurate. Cookies Policy, which sets out information about the cookies on our website. Please note that we can amend these Terms and Conditions from time to time. Please check this Policy to ensure you understand the rules that apply at that time. We may update and change our website from time to time to reflect changes to our products, our users' needs, and our business priorities. We may suspend or withdraw our website. We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our website for business and operational reasons. We will try to give you reasonable notice of any major changes, suspension, or withdrawal.You are also responsible for ensuring that all persons who access our website through your internet connection are aware of these Terms and Conditions and other applicable rules, and that they comply with them.","absoluteBoundingBox":{"x":23355.0,"y":21.0,"width":343.0,"height":1200.0},"isolatedAbsoluteRenderBounds":{"x":23355.0,"y":26.8181800842285,"width":342.34765625,"height":1188.36352539062},"relativeTransform":[[1.0,0.0,0.0],[0.0,1.0,136.0]],"size":{"x":343.0,"y":1200.0},"fills":[{"blendMode":"NORMAL","type":"SOLID","color":{"r":0.0,"g":0.0,"b":0.0,"a":1.0},"boundVariables":{"color":{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}},"visible":true,"opacity":1.0}],"strokeAlign":"OUTSIDE","layoutAlign":"STRETCH","strokes":[],"effects":[],"boundVariables":{"fills":[{"type":"VARIABLE_ALIAS","id":"VariableID:3b0280d5e4cb6c7707bf6fdeaf913234150ca697/41:6"}]},"accessibleHTMLTag":"AUTO","isDecorativeImage":false,"ariaAttributes":{},"interactions":[],"characterStyleOverrides":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1],"characters":"The Company Moneliq Limited (company number 12213334) is registered in England and Wales with registered address 30 Moorgate Office 516, London, United Kingdom, EC2R 6DN. 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Please check this Policy to ensure you understand the rules that apply at that time.\n\nWe may update and change our website from time to time to reflect changes to our products, our users' needs, and our business priorities. We may suspend or withdraw our website. We do not guarantee that our website, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our website for business and operational reasons. 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Moneliq Limited (company number 12213334) is registered in England and Wales with registered address 30 Moorgate Office 516, London, United Kingdom, EC2R 6DN. We are regulated by the Financial Conduct Authority as an Electronic Money Institution under the Electronic Money Regulations No. 901056. These Terms and Conditions explain you the rules for using our website https://www.moneliq.com/ (our website). By using our website, you confirm that you accept these Terms and Conditions and that you agree to comply with them. If you do not agree to these rules, you cannot use our website. These Terms and Conditions refer to the following additional Policies, which also apply to your use of our website: Privacy Policy, which sets out the rules on which we process any personal data we collect from you, or that you provide to us. By using our website, you consent to such processing, and you warrant that all data provided by you is accurate. Cookies Policy, which sets out information about the cookies on our website. Please note that we can amend these Terms and Conditions from time to time. 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