User Agreement

MONELISK LTD
Registered Number: HE 499251
Trading Address: Nissa, 68, Agia Napa, 5330, Famagusta, Cyprus

PLATFORM TERMS AND CONDITIONS

By registering for or using an account through app.monelisk.com or any associated websites, applications, application programming interfaces (“APIs”), or mobile applications (collectively, the “Platform”), you agree that you have read, understood, and accepted all of the terms and conditions contained in this User Agreement (the “Agreement”).

This Agreement is a contract between you (the “User”) and MONELISK LTD (“MONELISK”, “we”, “us”, or “our”), a company registered in Cyprus under number HE 499251.

References in this Agreement to “MONELISK”, “we”, “our”, or “us” are to MONELISK LTD, and references to “you” or “your” are to the person entering into this Agreement.

We refer to the Crypto Asset Services, Digital Asset Services, Tokenised Asset Services, and any Additional Services (as defined below), together with any other services that may be made available through the Platform from time to time, collectively as the “MONELISK Services”.

MONELISK is a technology and infrastructure platform. Certain regulated financial services accessible through the MONELISK Platform are provided by or through licensed third-party partners. MONELISK itself does not hold the status of a bank, credit institution, or investment firm and does not provide investment advice or recommendations.

“Crypto Asset” means any crypto or digital asset (including a virtual currency or virtual commodity) which is a digital representation of value based on or built on top of a cryptographic protocol of a computer network. “Supported Asset” means only those particular assets listed as available to trade, hold, or access through your MONELISK Account.

Amendments

We may amend this Agreement at any time by posting a revised version on the Platform or by providing a copy to you. The revised Agreement will, where lawful, be effective as of the time it is posted unless otherwise stated. Your continued use of the MONELISK Services after posting of a revised Agreement constitutes acceptance of the revised terms.

If you do not agree with any amendment, you should close your MONELISK Account and cease using the MONELISK Services.

1. Eligibility

To be eligible to use any MONELISK Services, you must:

• Be at least 18 years of age.
• Reside in a country or jurisdiction where access to the relevant MONELISK Services is permitted by applicable law.
• Not be listed on any applicable sanctions list or prohibited persons register.
• Not be a citizen or resident of any jurisdiction that is subject to applicable trade embargoes or sanctions.

Certain MONELISK Services or features may be limited or unavailable depending on your jurisdiction, verification level, or other eligibility criteria. MONELISK reserves the right to determine eligibility in its sole discretion.

2. MONELISK Services

2.1. Crypto Asset Services

Subject to eligibility and availability, the MONELISK Platform may provide access to:

• One or more hosted wallets enabling you to store, track, transfer, and manage Supported Crypto Assets (“Crypto Asset Wallets”).
• A crypto asset exchange or conversion service enabling you to obtain pricing information and (subject to applicable restrictions) carry out purchases and sales of Supported Crypto Assets (“Crypto Asset Exchange Service”).

Where required by applicable law or regulation, crypto asset services accessible through the Platform are provided by or through licensed third-party partners. MONELISK provides the technology interface and infrastructure connecting you to those services.

2.2. Digital Payment Services

The MONELISK Platform may provide access to certain digital payment functionality, including:

• A digital fiat wallet (“Fiat Wallet”) enabling you to hold funds denominated in supported fiat currencies.
• Payment services enabling you to send and receive payments in fiat currency.

Digital payment services accessible through the Platform may be provided by or through licensed payment service providers or electronic money institutions. Those providers' own terms and conditions will apply to the relevant services and will be presented to you at the time of enrolment.

MONELISK is not a bank and does not offer deposit-taking services. Funds held in any Fiat Wallet are not protected by deposit guarantee schemes unless expressly stated by the relevant licensed provider.

2.3. Tokenised Real-World Asset (RWA) Services

The MONELISK Platform may, subject to eligibility and applicable law, provide access to tokenised real-world asset services, including the ability to view, hold, or transact in tokenised representations of assets. These services are provided through or in connection with appropriately licensed entities and are subject to additional terms presented at the time of access.

2.4. Additional Services

In addition to the core services described above, additional services (“Additional Services”) may be made available to eligible users from time to time. The terms applicable to any Additional Services will be set out in a supplementary agreement or appendix.

2.5. Fees

You agree to pay all applicable fees for MONELISK Services. Current fees are published on the Platform and may be updated from time to time. Fees for any Additional Services will be specified at the point of access or in the relevant appendix.

2.6. Third-Party Service Providers

MONELISK may use third-party service providers to deliver certain elements of the MONELISK Services. Where you use services provided by third parties through the Platform, you acknowledge that the relevant third party's own terms and conditions will apply to those services, and MONELISK's liability for third-party services is limited accordingly.

3. Account Setup

3.1. Registration

To use the MONELISK Services, you will need to register for a MONELISK Account by providing your details, completing identity verification procedures, and accepting the terms of this Agreement. By using a MONELISK Account, you represent that you will use the MONELISK Services only for yourself, unless you have obtained prior written approval from MONELISK.

Each individual may register only one MONELISK Account. You are fully responsible for all activity that occurs under your MONELISK Account. MONELISK may, in its sole discretion, refuse to open, suspend, or terminate any MONELISK Account.

3.2. Third-Party Access

If you grant permission to a regulated or authorised third party to access or connect to your MONELISK Account, you acknowledge that such permission does not relieve you of your responsibilities under this Agreement. You are responsible for all acts or omissions of any authorised third party with access to your MONELISK Account.

3.3. Identity Verification & KYC/AML

You agree to provide all information we request for identity verification, compliance with applicable anti-money laundering, know-your-customer, and counter-terrorist financing requirements, and ongoing due diligence. This includes providing accurate, up-to-date personal information and documentation as requested.

We may conduct enhanced due diligence (“EDD”) where required, which may involve requesting additional information about you or your business, documentation evidencing source of wealth and source of funds, and meetings with MONELISK personnel or authorised third parties.

You confirm that all information you provide is true, accurate, and complete, and you undertake to notify us promptly of any changes. MONELISK may disclose your information to identity verification, fraud prevention, and financial crime agencies in accordance with applicable law and our Privacy Policy .

3.4. Verification Levels and Limits

Access to MONELISK Services and applicable transaction limits may be based on the identity information and verification level you have completed. MONELISK may require additional verification before permitting access to certain services or transactions above specified volume limits. You may request a limit increase through the Platform; MONELISK does not guarantee that limits will be raised.

4. Crypto Asset Services

4.1. General

Your Crypto Asset Wallet enables you to send Supported Crypto Assets to, and receive and store Supported Crypto Assets from, other users or third parties outside the Platform, by giving instructions through the Platform.

4.2. Fiat Currency Transactions

You may purchase Supported Crypto Assets by linking a valid payment method to your MONELISK Account and authorising a debit of funds. You may sell Supported Crypto Assets in exchange for supported fiat currency by following the instructions on the Platform.

4.3. Conversion Fees and Exchange Rates

Each purchase or sale of Supported Crypto Assets is subject to applicable conversion fees and, where applicable, a spread. The conversion fee and exchange rate applicable to a transaction will be displayed prior to confirmation. Exchange rates are quoted as Buy or Sell prices at the time of the transaction and are subject to change without notice. MONELISK does not guarantee the availability of any exchange rate or the ability to buy or sell assets at any particular price.

4.4. Transaction Authorisation and Finality

By confirming a transaction on the Platform, you authorise MONELISK or its relevant service provider to initiate the transaction at the quoted price and agree to all applicable fees. Completed transactions cannot be cancelled, reversed, or changed. Crypto Asset Transactions broadcast to a blockchain network are irreversible once confirmed by the network.

4.5. Supported Assets Only

Under no circumstances should you attempt to use your MONELISK Wallet to store, send, request, or receive assets in any form not supported by the Platform. MONELISK assumes no responsibility or liability for any attempt to use your Wallet for unsupported assets. All such erroneously transmitted assets will be lost.

You are solely responsible for ensuring that any transfer is made in a Supported Asset and to a compatible wallet address.

4.6. Blockchain Protocol Operations

MONELISK does not own or control the underlying software protocols governing Crypto Assets. These protocols are generally open source. We assume no responsibility for the operation of underlying protocols or their functionality and security.

Underlying protocols may be subject to sudden changes in operating rules, including forks, which may materially affect the availability, value, or functionality of Crypto Assets. MONELISK reserves the right to take such steps as it deems necessary in response to operating changes, including temporarily suspending operations for affected assets.

4.7. Crypto Asset Custody

Where MONELISK or a licensed custodian partner holds Supported Crypto Assets on your behalf, title to those assets remains with you at all times. MONELISK or its relevant partner may use shared blockchain addresses to securely hold Supported Crypto Assets on behalf of multiple customers, with customer assets segregated from MONELISK's own assets by way of separate ledger accounting.

5. Digital Payment Services

5.1. Fiat Wallet

Where available, you may load funds into your Fiat Wallet using supported payment methods. Loaded funds will be reflected in your Fiat Wallet balance once received. You may only load funds from accounts in your own name.

5.2. Safeguarding

Where digital payment services are provided through licensed payment service providers, client funds will be held in accordance with applicable safeguarding requirements. Safeguarded funds are kept separate from the operating funds of the relevant provider. Details of the relevant safeguarding arrangements will be provided at the time of enrolment.

Funds held in any Fiat Wallet do not earn interest unless otherwise stated, and are not protected by deposit guarantee schemes unless expressly confirmed by the relevant licensed provider.

5.3. Unauthorised or Incorrect Transactions

If you believe a transaction using your Fiat Wallet has been carried out without your authorisation, or has been incorrectly executed, you must contact us as soon as possible at info@monelisk.com and in any event no later than thirteen (13) months after the relevant transaction occurred.

5.4. Complaints

If you have a complaint relating to payment services, please follow the complaints process set out in Section 10 of this Agreement. Where required, MONELISK or its relevant licensed partner will direct you to the appropriate dispute resolution or regulatory authority.

6. Transaction Limits

All MONELISK Services are subject to transaction limits (stated in fiat currency or crypto asset amounts) as applicable per period (e.g., daily or monthly). Your limits may vary based on your verification level, payment method, jurisdiction, and other factors. MONELISK reserves the right to adjust applicable limits at any time. Requests to raise limits above published thresholds may be submitted through the Platform, subject to completion of any required due diligence.

7. Suspension, Termination, and Cancellation

7.1. MONELISK's Rights

MONELISK may: (a) refuse to complete, place on hold, block, cancel, or reverse any transaction; (b) suspend, restrict, or terminate your access to any MONELISK Services; and/or (c) deactivate or cancel your MONELISK Account, in each case with immediate effect and for good reason, including but not limited to:

• Suspected or actual fraud, money laundering, terrorist financing, or other financial crime.
• Breach of this Agreement or any applicable law, regulation, or policy.
• Inability to verify your identity or compliance with KYC/AML requirements.
• Receipt of instruction from a regulatory or law enforcement authority.
• Insufficient funds or assets to cover a transaction and applicable fees.

7.2. Notice

Where we refuse, suspend, or terminate, we will (unless prohibited by law) provide you with notice of our actions and the reasons for them. We may suspend, restrict, or terminate your access to MONELISK Services without reason by giving you two weeks' written notice.

7.3. Consequences of Termination

On termination of this Agreement, unless prohibited by applicable law, you will be permitted to access your MONELISK Account for a reasonable period to transfer any remaining Supported Assets and fiat funds. MONELISK may limit Platform functionality during this period. MONELISK reserves the right to require re-verification before permitting any transfer or withdrawal.

You may cancel your MONELISK Account at any time through the Platform. You will not be charged for cancellation, but you remain responsible for any outstanding amounts owed to MONELISK. MONELISK may cancel or suspend any pending transactions at the time of cancellation.

8. Liability

8.1. Indemnification

You agree to indemnify MONELISK, its affiliates, and service providers, and each of their respective officers, directors, agents, employees, and representatives, against any costs (including legal fees and regulatory penalties) reasonably incurred in connection with any claims arising out of or related to your breach of this Agreement, your violation of any applicable law or the rights of any third party.

8.2. Limitation of Liability

MONELISK's total aggregate liability to you for any claim or series of connected claims arising from a breach of this Agreement shall be limited to the combined value of the Supported Assets and fiat funds held in your MONELISK Account at the time of the relevant breach. Where a specific transaction is in dispute, the aggregate liability shall be further limited to the transaction amount in dispute.

8.3. Excluded Losses

In no event shall MONELISK, its affiliates, or its service providers be liable for any of the following, whether or not foreseeable:

• Loss of profits, anticipated revenue, or trading gains.
• Loss of reputation, goodwill, business, contracts, or anticipated savings.
• Loss of or damage to data, hardware, or software.
• Losses arising from errors, delays, or interruptions in data transmission or platform operation.
• Losses arising from bugs, glitches, or inaccuracies in the Platform.
• Losses relating to assets that are not Supported Assets.

8.4. Applicable Law Exceptions

Nothing in this Agreement limits MONELISK's liability for fraud, fraudulent misrepresentation, gross negligence, deliberate misconduct, or death or personal injury resulting from negligence, to the extent such liability cannot be excluded by law.

8.5. No Warranties

The MONELISK Services and Platform are provided on an “as is” and “as available” basis. MONELISK makes no implied warranties of title, merchantability, fitness for a particular purpose, or non-infringement, and does not guarantee that access to the Platform or Services will be continuous, uninterrupted, timely, or error-free.

The MONELISK Services, Platform, and any information made available through the Platform are not intended to constitute specific investment, tax, or legal advice, or to constitute a recommendation as to the suitability of any investment or product for any particular user. You should seek independent professional advice before making any financial decisions.

8.6. Force Majeure

MONELISK is not liable for any breach of this Agreement, including delays or failures in performance, where such breach arises directly or indirectly from circumstances beyond MONELISK's reasonable control, including but not limited to force majeure events, network failures, regulatory actions, or the actions of third-party service providers.

9. Platform Availability and Accuracy

9.1. Availability

Access to the MONELISK Platform may be degraded or unavailable during periods of significant volatility, high volume, maintenance, or technical disruption. MONELISK does not guarantee that the Platform will be available without interruption, that any order or transaction will be executed or accepted, or that your MONELISK Account will always be accessible.

MONELISK shall not be liable for any losses arising from service interruptions, processing delays, inability to execute transactions, or delayed customer support responses.

9.2. Information Accuracy

Information on the Platform may not always be entirely accurate, complete, or current. You should verify all information before relying on it. All decisions based on Platform content are your sole responsibility. MONELISK shall not be liable for any losses arising from your reliance on information available through the Platform.

10. Complaints and Dispute Resolution

10.1. Contact MONELISK

If you have any feedback, questions, or complaints, please contact us at info@monelisk.com or through our Customer Support page at app.monelisk.com/support.

10.2. Complaints Process

If you have a complaint, you agree to first contact our support team to seek resolution. If your complaint cannot be resolved through initial contact, you may submit a formal complaint in writing, setting out the nature of your complaint, how you would like it to be resolved, and any supporting information. We will acknowledge receipt and respond within a reasonable timeframe in accordance with applicable law.

10.3. Disputes

For complaints or disputes arising out of or in connection with this Agreement or the provision of MONELISK Services that cannot be resolved through our internal complaints process, you may have the right to refer certain disputes to an appropriate external dispute resolution body under applicable law in Cyprus. Details of any applicable external dispute resolution mechanisms will be provided on request.

This Agreement and the relationship between us shall be governed by the laws of the Republic of Cyprus. The courts of the Republic of Cyprus shall have non-exclusive jurisdiction over any dispute arising under or in connection with this Agreement, without prejudice to any mandatory consumer rights available to you under the laws of your own jurisdiction.

11. Data Protection

You acknowledge that MONELISK may process personal data relating to you in connection with this Agreement and the MONELISK Services. MONELISK will process personal data in accordance with its Privacy Policy , which forms part of this Agreement and is available on the Platform.

By using the MONELISK Services, you confirm that you have read and understood the Privacy Policy and consent to the processing of your personal data as described therein.

12. Security

12.1. Account Security

You are responsible for maintaining the security of your MONELISK Account credentials and any devices used to access the Platform. You must take all reasonable steps to prevent loss, theft, or unauthorised access to your credentials and devices. MONELISK will never ask you for your password or two-factor authentication codes.

Any loss or compromise of your credentials or devices may result in unauthorised access to your MONELISK Account and the loss of assets held therein. MONELISK assumes no responsibility for losses arising from the compromise of your credentials where this is not due to MONELISK's fault.

12.2. Two-Factor Authentication

MONELISK recommends enabling two-factor authentication (“2FA”) on your account. 2FA may be required for certain account activities. You are responsible for securing any device or application used for 2FA.

12.3. Security Incidents

If you suspect that your MONELISK Account or security credentials have been compromised, or if you become aware of any fraudulent activity or security incident affecting you or MONELISK, you must notify MONELISK Support immediately at info@monelisk.com . Prompt reporting does not guarantee that MONELISK will reimburse you for any losses suffered.

13. Communications

13.1. Electronic Communications

You agree to receive all communications from MONELISK electronically, including agreements, notices, receipts, statements, disclosures, and regulatory communications, delivered via the Platform, email, or other electronic means. Electronic communications constitute sufficient notice for all purposes under this Agreement.

13.2. Updating Your Information

You are responsible for providing and maintaining accurate contact information in your MONELISK Account. MONELISK will be deemed to have provided any electronic communication to you if delivered to the email address or contact details registered in your MONELISK Account, regardless of whether you receive it.

14. General

14.1. Compliance with Law

You must comply with all applicable laws, regulations, and licensing requirements, including without limitation data protection laws, anti-money laundering and counter-terrorist financing laws, and applicable sanctions, in your use of the MONELISK Services and Platform.

14.2. Intellectual Property

All content included in or made available through the MONELISK Services, Platform, and related materials, including text, graphics, logos, software, and data compilations, is the property of MONELISK LTD or its licensors and is protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to access and use the MONELISK Services for the purposes permitted by this Agreement only. Any other use is strictly prohibited.

14.3. Export Controls and Sanctions

Your use of the MONELISK Services is subject to all applicable export control laws, anti-terrorism laws, and economic sanctions, including those promulgated by the United Nations Security Council, Canada, the United States, the European Union, the United Kingdom, and any other applicable authority. You confirm that you are not subject to any sanctions and will not use the MONELISK Services in violation of any applicable sanctions regime.

14.4. Relationship of the Parties

Nothing in this Agreement creates a partnership, joint venture, agency, fiduciary, or employment relationship between you and MONELISK. MONELISK does not act as your broker, investment adviser, or financial adviser in connection with the MONELISK Services.

14.5. Taxes

The tax treatment of crypto asset and digital asset transactions is complex and may vary by jurisdiction. You are solely responsible for determining and paying any taxes arising from your use of the MONELISK Services. MONELISK does not provide tax advice. MONELISK may be required to report certain transaction information to applicable tax authorities as required by law.

14.6. Unclaimed Property

If MONELISK holds assets on your behalf and has no record of your use of the MONELISK Services for an extended period and is unable to contact you, applicable law may require MONELISK to transfer those assets to the relevant governmental authority as unclaimed property. MONELISK reserves the right to deduct reasonable administrative fees from such assets as permitted by law.

14.7. Death of Account Holder

In the event of an account holder's death, the MONELISK Account will be frozen pending receipt of appropriate legal documentation. Access will be granted to a designated executor, trustee, or heir upon presentation of satisfactory legal documentation.

14.8. Entire Agreement

This Agreement, together with the Privacy Policy , Cookie Policy , and any Appendices incorporated by reference, constitutes the entire agreement between you and MONELISK with respect to its subject matter and supersedes all prior agreements, discussions, and understandings.

14.9. Severability

If any provision of this Agreement is found to be invalid or unenforceable under applicable law, that provision will be severed and the remaining provisions will continue in full force and effect.

14.10. Assignment

You may not transfer or assign your rights or obligations under this Agreement without MONELISK's prior written consent. MONELISK may assign its rights under this Agreement without restriction, including to affiliates, successors, or in connection with a merger or acquisition.

14.11. Waiver

MONELISK's failure to enforce any right or provision of this Agreement at any time does not constitute a waiver of that right or provision. MONELISK reserves the right to enforce its rights strictly at any time.

14.12. Language

This Agreement and all related communications shall be in English. Any translation is provided for convenience only. In the event of any inconsistency, the English language version shall prevail.

14.13. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the Republic of Cyprus, without regard to conflicts of law principles.

14.14. Survival

All provisions of this Agreement which by their nature should survive termination, including provisions relating to liability, intellectual property, data protection, governing law, and dispute resolution, shall survive the termination or expiry of this Agreement.

14.15. Contact Information

MONELISK LTD
Email: info@monelisk.com
Support: info@monelisk.com
Website: app.monelisk.com
Trading Address: Nissa, 68, Agia Napa, 5330, Famagusta, Cyprus
Registered Number: HE 499251

Appendix 1 — Additional Services

From time to time, MONELISK may make available Additional Services to eligible users. These may include, without limitation:

• Staking and yield products, provided by or through appropriately licensed or technically capable third parties.
• Tokenised real-world asset (RWA) exposure, subject to applicable regulatory requirements and eligibility criteria.
• MONELISK rewards and loyalty programmes, subject to separate terms.
• API access for institutional or business users, subject to separate API terms.
• Any other services as announced on the Platform from time to time.

The terms and conditions applicable to any Additional Service, including any fees, eligibility criteria, and regulatory disclosures, will be presented to you at the point of access or in a supplementary agreement. MONELISK reserves the right to add, modify, or discontinue any Additional Service at any time.

Nothing in this Appendix or in the Additional Services constitutes investment advice, financial advice, or a recommendation to engage in any particular activity.