1. Acceptance of Terms

By accessing or using Moneti Finance's services, you agree to be bound by these Terms & Conditions. If you disagree with any part of the terms, you may not access our services.

2. Description of Services

Moneti Finance provides various financial services including, but not limited to, factoring, personal loans, business loans, letters of guarantee, and payday loans. The specific terms of each service are subject to separate agreements.

3. User Eligibility

To be eligible for our services, you must be at least 18 years old and a resident of [insert applicable countries]. For business services, you must have the authority to enter into a binding contract on behalf of the business entity.

4. Account Registration

You may need to create an account to access certain services. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

5. User Obligations

You agree to:

• Provide accurate and complete information
• Update your information promptly if it changes
• Comply with all applicable laws and regulations
• Not use our services for any illegal or unauthorized purpose

6. Fees and Payments

Fees for our services are outlined in the specific agreements for each service. You agree to pay all fees associated with your use of our services. We reserve the right to change our fees upon notice.

7. Intellectual Property

The content, features, and functionality of our services are owned by Moneti Finance and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

8. Privacy Policy

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms & Conditions by reference.

9. Limitation of Liability

Moneti Finance shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.

10. Indemnification

You agree to indemnify and hold Moneti Finance harmless from any claims, losses, liability, demands, and expenses (including attorney's fees) made by any third party due to or arising out of your use of our services.

11. Termination

We may terminate or suspend your account and bar access to our services immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever, including but not limited to a breach of the Terms.

12. Governing Law

These Terms shall be governed and construed in accordance with the laws of European Union, without regard to its conflict of law provisions.

13. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of any significant changes. Your continued use of our services after any such changes constitutes your acceptance of the new Terms.

14. Contact Us

If you have any questions about these Terms, please contact us.