TERMS OF USE
MONETTY FINTECH LTDA — CNPJ: 57.609.035/0001-40
HOW THIS WEBSITE WORKS
Before reading the formal document, we have prepared a summary in plain language so that you can quickly understand what the Monetty website is and what to expect from our relationship.
Our contact channels:
- Website: https://monetty.com/
- E-mail: hello@monetty.com / support@monetty.com
- Privacy: privacy@monetty.com
- Telephone / WhatsApp: +55 24 99851 2163
(1) What do we do?
Monetty is a technology platform focused on international financial movement, enabling international transfers, receipt of funds from abroad, currency conversion (foreign exchange), cross-border payments, and card issuance for global use, with coverage in more than 120 countries. Our institutional website presents the company, the services offered, the countries served, the fees charged, and a contact and onboarding channel for those interested in using Monetty.
(2) How does the website work?
The Visitor may freely browse the institutional website of Monetty, learn about the services offered, the countries and currencies served, the fees charged, and other institutional information, without needing to create an access account (login and password) merely to browse. If the Visitor wishes to actually use the services of Monetty (open an account, make transfers, convert currencies, etc.), the Visitor will be directed to the registration and account-creation process on the Monetty Platform/App, which is governed by its own Terms of Use and policies, specific to the Platform, and not covered by this document.
(3) Is use of the website paid?
No. Access to the institutional website and browsing its content are entirely free of charge. Any fees applicable to the use of the financial services of Monetty (such as international transfers and currency conversion) are disclosed in advance, clearly and transparently, at the time each service is contracted, within the Platform/App.
(4) Can these conditions be changed?
Yes. We may update these Terms of Use at any time. When that happens, we will publish the updated version on the institutional website itself. If you continue to use the website after the changes are published, we will understand that you have agreed to the new conditions.
(5) What happens to personal data?
The data you provide when contacting Monetty are processed in accordance with the Brazilian General Data Protection Law (LGPD — Law No. 13.709/2018). To know exactly which data we collect, how we use them, how long we keep them, and what your rights are as a data subject, please access our Privacy Notice, which is an integral and inseparable part of these Terms of Use.
(6) What is the content of the Terms?
The formal Terms of Use, immediately below, are organized into the following clauses:
- Date of Availability
- Glossary of Technical Terms
- Services
- Conditions of Use of the Institutional Website
- Payment
- Disclaimer of Liability
- Rules of Conduct and Prohibitions
- Intellectual Property
- Personal Data
- Consequences of Access
- Amendments to the Terms
- Governing Law and Choice of Forum
- Contact
TERMS OF USE
These Terms of Use ("Terms") govern access to and use of the institutional website https://monetty.com/, owned by MONETTY FINTECH LTDA., a private-law legal entity, enrolled with the CNPJ under No. 57.609.035/0001-40, with its registered office at Rua Jorge Batista Sampaio, No. 44, Bairro Alegria, Resende/RJ, ZIP Code: 27.524-110 ("Monetty" or "Company").
By accessing or using the website, the Visitor represents that the Visitor has read, understood, and fully agreed to the conditions set forth herein. If the Visitor does not agree with any provision of these Terms, the Visitor must refrain from using the website.
CLAUSE 1 — DATE OF AVAILABILITY
1.1. This document was made available to the public on 12/09/2026 ("Date of Availability"), this being the date from which it produces its legal effects in relation to all Visitors who access or use the institutional website of Monetty.
1.2. Prior versions of these Terms, if any, are automatically revoked as from the Date of Availability of the most recent version, without prejudice to obligations already created under prior versions.
CLAUSE 2 — GLOSSARY OF TECHNICAL TERMS
2.1. For the purposes of these Terms, the following terms and expressions shall have the following meanings:
- "LGPD": Brazilian General Data Protection Law (Federal Law No. 13.709/2018), which governs the processing of personal data by natural and legal persons in Brazil.
- "Login": process that allows access to a computer system, controlled through identification and authentication of the Visitor by means of the credentials provided by that same internet user.
- "Online": state of connectivity to the internet network, which allows access to and use of the digital functionalities available on the institutional website.
- "Platform" or "Monetty App": technological environment — web and/or mobile — made available by Monetty to duly registered users, through which the financial services described in these Terms are actually provided, upon acceptance of Terms of Use and policies of their own, which are not covered by this document.
- "Institutional Website": the digital environment accessible through the electronic address https://monetty.com/, owned by Monetty, through which institutional information about the company and its services is made available, as well as the contact channel and access to the account-opening process.
- "User(s)": a natural or legal person who, after completing the registration process, actually uses the financial services made available through the Monetty Platform/App.
- "Visitor(s)": the person(s) who browse(s) and use(s) the institutional website of Monetty, without necessarily having an active account on the Platform.
- "Virus": malicious computer programs or codes (including, without limitation, malware, spyware, ransomware, trojans, and worms) that may compromise the operation of devices, systems, and networks, and may cause damage, data theft, or interruption of services.
CLAUSE 3 — SERVICES
3.1. The institutional website makes available, without limitation, the following services and functionalities, without being limited to them:
- Institutional presentation of Monetty and of its international financial-movement proposition;
- Presentation of the services offered, including international transfers, receipt of funds from abroad, currency conversion (foreign exchange), cross-border payments, a multi-currency account, and a card for global use;
- Disclosure of the countries and regions served, applicable fees, and other institutional information (team, partnerships, news, blog, and help center);
- A channel for the interested Visitor to start the account-opening and registration process with Monetty;
- Contact channels (e-mail and WhatsApp) so that interested Visitors may speak directly with the team of Monetty.
3.2. The actual provision of the financial services mentioned in this document (account opening, international transfers, currency conversion, card issuance, among others) occurs exclusively through the Monetty Platform/App, upon account creation, identity verification (KYC/KYB), and acceptance of the Terms of Use and other policies specific to the Platform, which are not the subject of these Terms of Use of the institutional website.
3.3. Certain financial services offered through the Monetty Platform are provided in partnership with duly authorized and regulated financial institutions, as informed to the User at the time each service is contracted.
3.4. When using the website and the services of Monetty, the Visitor must understand and accept that all of the Visitor's actions and choices are free and are not subject to any influence or interference by Monetty.
3.5. The Visitor's contact with Monetty through the channels indicated on the website, or the start of the account-opening process, does not by itself create an employment, corporate, commercial-representation, or any other associative relationship between the Visitor and Monetty, other than the conditions expressly provided in these Terms and in the Platform Terms of Use that may be accepted by the Visitor upon becoming a User.
3.6. Monetty reserves the right, at its sole discretion, to accept, refuse, or condition assistance to any Visitor, as well as to modify, suspend, or discontinue any of the website functionalities described herein, with prior notice whenever possible.
CLAUSE 4 — CONDITIONS OF USE OF THE WEBSITE
4.1. The institutional website of Monetty does not require the creation of an account or registration (login and password) to browse and consult the available institutional content. Any Visitor may access information about the company and the services of Monetty without the need for registration, a password, or authentication.
4.2. A Visitor who wishes to contact Monetty must do so directly through the channels indicated in these Terms (e-mail or WhatsApp).
4.3. A Visitor who chooses to start the account-opening process will be directed to the registration environment of the Monetty Platform, in which the Visitor must provide the information and documents required for account creation and identity verification (KYC/KYB), a step subject to the Terms of Use and other policies specific to the Platform, which are distinct from these Terms.
4.4. The Visitor is fully responsible for the truthfulness, accuracy, currency, and completeness of the information provided when contacting Monetty and in the Platform registration process. The submission of false, incomplete, or third-party data without authorization is expressly prohibited and may subject the Visitor to applicable civil and criminal sanctions.
4.5. By contacting Monetty or starting the account-opening process, the Visitor expressly represents that the Visitor is over 18 (eighteen) years of age or is legally emancipated, having full civil capacity to express the Visitor's will and to assume the commitments arising from any contracting of the services of Monetty. If the Visitor does not have full civil capacity, access and the submission of information must occur only with due legal assistance or representation.
4.6. When contact or registration is made on behalf of a legal entity, the Visitor represents that the Visitor has the necessary powers to represent it, remaining personally liable for the representations made if the Visitor does not have such authority.
4.7. Monetty may disregard, not respond to, or block, without prior notice, communications received through the contact channels or requests submitted in the registration process whenever it identifies signs of misuse, manifestly false data, abusive behavior, or violation of any provision of these Terms of Use.
CLAUSE 5 — PAYMENT
5.1. Access to the institutional website, browsing its content, and contact with Monetty through the official channels indicated in these Terms are entirely free of charge. The Visitor will not be charged any amount to browse the website or to contact the Company.
5.2. Any fees applicable to the use of the financial services of Monetty (such as international-transfer fees, spread and/or foreign-exchange margin on currency conversion, and other operational fees) are the responsibility of the Monetty Platform/App and will be presented clearly and transparently to the User before confirmation of each operation, under the Terms of Use of the Platform.
5.3. The Visitor must not provide bank details, a credit-card number, or sensitive financial information through the institutional website or the contact form; such information must be provided exclusively in the secure environment of the Monetty Platform/App, when applicable.
CLAUSE 6 — DISCLAIMER OF LIABILITY OF MONETTY
6.1. Monetty shall not be liable, under any circumstances, for:
6.1.1. Unavailability, interruption, or slowness in access to the website arising from failures in the Visitor's internet connection, problems in the infrastructure of third-party service providers, cyberattacks, scheduled maintenance, or any cause not directly attributable to the Company;
6.1.2. Conduct, omissions, statements, or decisions of the Visitor arising from information obtained on the website;
6.1.3. False, incorrect, or outdated data provided by the Visitor in contact with Monetty or in the registration process, as well as the consequences arising from such conduct;
6.1.4. Damage caused by viruses, malware, or any other malicious codes that may infect the Visitor's device as a result of access to the website, the app, or third-party links that may be referenced (including app stores such as Google Play and the App Store);
6.1.5. Content, practices, or services made available on third-party websites linked to the website of Monetty through hyperlinks, whose own Terms of Use and Privacy Policy are the exclusive responsibility of their respective owners;
6.1.6. Damage that the Visitor may suffer as a result of misuse of the website in noncompliance with these Terms, the Privacy Notice, the law, or court orders;
6.1.7. Financial services provided through the Monetty Platform/App or by partner financial institutions, which are governed by their own Terms of Use and policies, distinct from these Terms;
6.1.8. Acts of God or force majeure.
CLAUSE 7 — RULES OF CONDUCT AND PROHIBITIONS
7.1. The Visitor is expressly prohibited, in accessing and using the institutional website of Monetty, from:
7.1.1. Using the website for unlawful, immoral, or fraudulent purposes, or purposes contrary to public order, morality, or applicable Brazilian legislation;
7.1.2. Inserting, transmitting, or disseminating viruses, malware, or any other malicious code through the website or the Company's contact channels;
7.1.3. Providing personal data of third parties without the due authorization of the data subjects, or acting on behalf of third parties without the necessary powers of representation;
7.1.4. Reproducing, copying, distributing, transmitting, publicly displaying, creating derivative works, or commercially exploiting any content, trademark, image, logo, or material belonging to Monetty without prior and express authorization;
7.1.5. Performing acts that limit or prevent use of the website by other Visitors or unlawfully accessing the website.
7.2. Visitors shall be responsible for the content of the information they enter and for the commitments they assume on the website, and must fully comply with these Terms of Use, the Privacy Notice, applicable legislation, and any contracts between the parties.
CLAUSE 8 — INTELLECTUAL PROPERTY
8.1. All content available on the institutional website of MONETTY FINTECH LTDA. — including, but not limited to, texts, service descriptions, images, photographs, videos, logos, trademarks, trade names, visual identity, layout, design, source code, database, interfaces, functionalities, and any other materials — is the exclusive property of MONETTY FINTECH LTDA. or of its partners, licensors, or suppliers, as the case may be.
8.2. The intellectual property of MONETTY FINTECH LTDA. is protected by applicable Brazilian laws, especially Law No. 9.279/1996 (Industrial Property Law), Law No. 9.610/1998 (Copyright Law), and the Brazilian Civil Code (Law No. 10.406/2002), as well as by international treaties and conventions on the matter ratified by Brazil.
8.3. The following are prohibited: exploitation, assignment, imitation, copying, plagiarism, reverse engineering, attempted intrusion (hacking), storage, alteration, modification of characteristics, expansion, sale, lease, donation, disposal, transfer, or reproduction, in whole or in part, of any content of the website of MONETTY FINTECH LTDA..
8.4. A Visitor who violates any intellectual-property right of MONETTY FINTECH LTDA. shall be held civilly and criminally liable under applicable Brazilian legislation, and the Company may demand full compensation for the damages suffered, including actual damages, lost profits, and moral damages.
CLAUSE 9 — PERSONAL DATA
9.1. Monetty has a specific policy to regulate the collection, storage, and processing of personal data, as well as their security: the Privacy Notice. That specific policy inseparably forms part of these Terms, it being emphasized that website-usage data will be processed under applicable legislation. Questions relating to privacy and data protection may be sent to the channel privacy@monetty.com.
CLAUSE 10 — CONSEQUENCES OF ACCESS TO THE WEBSITE
10.1. Access to the website of Monetty requires that the Visitor have an active internet connection. The quality, speed, and stability of the connection are the exclusive responsibility of the Visitor and of the Visitor's internet service provider, and Monetty shall have no liability for failures, slowness, or interruptions arising from the Visitor's connectivity infrastructure.
10.2. Monetty recommends that the Visitor keep on the Visitor's electronic device updated antivirus software and other appropriate security tools, in order to prevent damage arising from viruses, malware, or other malicious codes that may be transmitted through internet browsing, a recommendation that also applies to use of the Monetty app.
10.3. Monetty reserves the right, at any time and without prior notice: (i) to alter, expand, reduce, or modify the functionalities, content, and layout of the website; (ii) to temporarily suspend access for maintenance, updating, or technical improvements; or (iii) to discontinue the website permanently, in which case it will seek to notify Visitors with reasonable advance notice.
10.4. The website may contain links or references to third-party websites, content, or services, including app stores (Google Play and the App Store) and official social networks of Monetty. Monetty does not control, validate, endorse, or accept liability for the content, availability, privacy practices, or terms of use of third-party websites that may be referenced. Access to those external addresses is at the Visitor's own risk, and the Visitor must consult the terms and policies applicable to such platforms.
CLAUSE 11 — AMENDMENTS TO THE TERMS AND CONDITIONS OF USE
11.1. Monetty reserves the right to amend, update, or revise these Terms of Use at any time, unilaterally, for reasons that include, but are not limited to: legislative or regulatory updates, changes in the services or functionalities of the website, or operational or security adjustments.
11.2. Amendments shall take effect immediately as from the date of publication of the updated version on the website, the most recent version always being the applicable one. The date of update will appear at the beginning of the document.
11.3. Access to or continued use of the website after publication of amendments to the Terms of Use shall be interpreted as the Visitor's tacit and full acceptance of the new conditions, regardless of prior individual notice.
CLAUSE 12 — GOVERNING LAW AND CHOICE OF FORUM
12.1. Monetty is administered and has its registered office, in Brazil, in the municipality of Resende/RJ, Federative Republic of Brazil, without prejudice to operating through other entities of its economic group in other jurisdictions.
12.2. These Terms of Use are governed, construed, and performed exclusively in accordance with the laws of the Federative Republic of Brazil.
12.3. To settle any doubts, controversies, or disputes arising out of or related to these Terms of Use or to use of the website, the courts of the District of Resende/RJ are elected on an exclusive basis, with express waiver of any other venue, however privileged it may be or become.
CLAUSE 13 — CONTACT
13.1. Monetty makes available the following channels to receive all communications that Visitors may wish to make:
Website
hello@monetty.com / support@monetty.com
