Terms and Conditions

1. GENERAL PROVISIONS

Moneta ads OÜ (hereinafter referred to as "Moneta ads", the "Service", "we", or "us") provides a service for the issuance of virtual payment cards used by users to pay for advertising and fund accounts. These Terms govern the use of our Service. By using the Service, you agree to these Terms, the Privacy Policy, and the Cookie Policy published on our website. The Service may only be used in countries where such use is not prohibited by local law and international sanctions (EU, USA, UN, FATF). If the User does not agree to these Terms, they must immediately cease using the Service.

2. DEFINITIONS

Moneta.ad Service – a computer program, an automated system for managing the issuance of virtual payment cards used for placing advertisements in ad networks, and a system for forming the User's advertising budget.

Ad Networks – online platforms with unified advertising placement systems, governed by the owner or administrator of the network.

Account – the User's personal space accessible after registration, login via username and password.

Balance – the User's non-banking financial account for funds control and transaction execution.

Positive Balance – sufficient funds in the account to place ads and conduct authorized payments.

User – an individual who has registered and received a unique identifier (ID).

Service Administration – individuals managing the Service, overseeing operations, and providing technical support.

Website – the webpage located at https://www.moneta.ad

3. TERMS OF USE

3.1. By using the Service and creating an Account, you agree to the Terms, Privacy Policy, and Cookie Policy.

3.2. The Service is available only to users over 18 years of age.

3.3. To use the Service, the User must create an Account and provide accurate information.

3.4. The User is responsible for maintaining the security of their account and password.

3.5. The User agrees to:

• provide accurate, current, and complete information;
• not use the Service for illegal purposes;
• not use automated tools to access the Service;
• comply with applicable laws and international sanctions (EU, USA, UN, FATF).

3.6. All users are required to complete mandatory verification (KYC) before using the Service.

3.7. If false or incomplete information is provided, we may block or delete the Account. The User has the right to appeal the blocking within 30 days.

4. SERVICES PROVIDED

4.1. The Service provides issuance of virtual cards and account top-up options.

4.2. Eligible payment categories: The Customer may make purchases on any platforms, except for the following payment categories:

• Mining
• Adult industry
• Money services business
• Promotions
• Waste Management
• Arms trade
• retail/manufacturing
• Casino/gaming
• Cryptocurrency
• Government/military/public agencies
• Marijuana-related services business

The Client undertakes not to make transactions in the following categories with the specified MCC codes below.(4829, 6051, 7801, 7802, 7995, 6211, 7273, 7297, 7800) If payments in the above categories are detected, the Executor shall notify the Client and provide the Client with an opportunity to explain the nature of the transactions and eliminate the possible violation within seven (7) business days. If the violation is not remedied within seven (7) business days, the Provider reserves the right to suspend service for up to 30 days or until the violation is remedied, whichever comes first.

4.3. The balance is topped up via payment systems listed on the website.

4.4. The Service may only be used with a positive balance, no credit lines can be granted due to restrictions imposed by financial institutions we work with.

4.5. The Service reserves the right to set minimum top-up limits.

4.6. It is prohibited to use the Service for:

• violations of law;
• spam, fraud, or malicious activity;
• bypassing advertising restrictions;
• use in prohibited countries or regions;
• operations involving MCC codes on the restricted list.

4.7. The Service is available 24/7, except during maintenance (no more than 24 hours per month).

5. SERVICE FEES

5.1. The User pays fees and charges according to the terms and tariff applied to their Account. A full list of applicable fees and charges is available in the User's account. If the fee structure changes, the Service must notify the User at least 14 days in advance via the account dashboard and/or email. All fees are listed in USD unless otherwise specified. The User must account for potential fees from payment systems and issuing banks, which are beyond the Service's control.

5.2. Fees are paid in advance. If unpaid, the Service may suspend the services after providing at least 14 days' notice.

5.3. The Service is not liable for User losses due to temporary suspension or service termination, except in cases of gross negligence or intentional misconduct.

5.4. Non-Refundable Fees: Any fees paid by Customer, including but not limited to service fees or processing fees, are non-refundable under any circumstances.

6. TERMINATION AND BLOCKING

6.1. The User may cease using the Service by giving 30 days' notice.

6.2. The Service may terminate the agreement with 14 days' notice or immediately if the Terms are violated. Notice of termination is sent to the registered email and is deemed delivered 24 hours after sending.

6.3. Significant changes to the Terms come into force only after User consent.

6.4. If the Terms are violated, the Service may block the Account. Remaining funds may be withheld to cover losses. The User may appeal the block within 30 days.

6.5. Upon termination, the User may request a refund within 30 days (if the Account is not blocked for AML reasons).

6.6. Refunds are processed based on requests submitted within the specified period (between the 15th–25th of the month, submitted before the 13th), to the original funding source minus fees. If a refund to the original source is not possible, the User may provide alternative details subject to additional AML verification.

6.7. The user must pay the debt until the acceptable Decline Rate is reached. Until the debt is paid off, the user cannot use any functions except replenishment.

6.8. Exploiting technological bugs, undocumented features, or ad network vulnerabilities (e.g., incorrect first invoice) is strictly prohibited. A vulnerability includes any logical, financial, or technical error confirmed by the ad network or by Service Administration.

6.9. Unclaimed balances after 3 years are written off in favor of the Service.

7. KYC / AML

7.1. All users must undergo identity verification (KYC) before using the Service by providing passport details, residential address, and supporting documents if necessary.

7.2. The Service complies with Estonian and EU AML laws, applicable laws and international sanctions (EU, USA, UN, FATF).

7.3. The Service may deny service without explanation if suspicious activity or AML/KYC risks are detected. The User has the right to request an explanation unless restricted by law or AML regulations. Denial of service must not be discriminatory based on race, nationality, gender, age, religion, or citizenship per EU law.

7.4. If denied service due to AML concerns, the Service will notify the User without disclosing specific internal checks if it may compromise AML procedures.

8. COMPLAINTS

8.1. Users may submit complaints via contact email or feedback form on the website.

8.2. The Service will review complaints within 30 days.

8.3. The Service will confirm receipt of the complaint within 3 business days. If the User is unsatisfied with the decision, they may contact an independent arbitration body or the supervisory authority listed in the Privacy Policy.

9. INTELLECTUAL PROPERTY

9.1. All materials of the Service (texts, graphics, logos, software) are owned by Moneta ads OÜ or its licensors.

9.2. The User receives a limited license for personal use only. Commercial use and distribution are prohibited without written permission.

9.3. The User agrees not to copy, distribute, publish, or use the Service's materials for commercial purposes without written consent.

10. DATA PROTECTION AND USER RIGHTS (GDPR)

10.1. The Service processes personal data in accordance with GDPR and the Privacy Policy.

10.2. The User has the right to:

• withdraw consent to data processing at any time;
• request deletion or correction of their data;
• request data portability;
• file a complaint with the data protection authority.

10.3. The data controller is Moneta ads OÜ, Harju maakond, Tallinn, Lasnamäe linnaosa, Valukoja tn 8/2, 11415, Estonia. Data inquiries may be sent to vz@moneta.ad

10.4. Personal data may be shared with third parties (e.g., payment systems, hosting providers) only as needed to provide the services.

11. DISCLAIMER AND LIMITATION OF LIABILITY

11.1. The Service is provided "as is" and "as available".

11.2. We do not guarantee uninterrupted access or error-free operation.

11.3. The Service is not liable for damages, except in cases of gross negligence, intentional misconduct, or harm to life or health.

12. MODIFICATIONS AND DOWNTIME

12.1. We reserve the right to change, modify, or delete content on the Service. If key services are removed or discontinued, Users will be notified at least 14 days in advance, except in cases of force majeure or User violations. We are not obligated to update any information. We may alter or discontinue the Service without notice and are not liable for such changes. Scheduled maintenance will be announced at least 24 hours in advance via dashboard or email. In emergencies, notice will be posted immediately on the website.

12.2. Service availability is not guaranteed. Technical issues or maintenance may cause outages, delays, or errors.

12.3. Nothing in these Terms shall be interpreted as an obligation to maintain or update the Service or provide patches, updates, or releases.

Use of the Service is also governed by the Privacy Policy and Cookie Policy available on the Website. These Terms are governed by and construed in accordance with the laws of Estonia.

To resolve a complaint or receive more information about using the Service, contact us at vz@moneta.ad