Effective date: 10 September 2025
Last updated: 10 September 2025

These General Terms and Conditions (the "Terms") govern access to and use of the website available at moneylift. io and its sub-pages (the "Website"). By accessing or using the Website, you agree to be bound by these Terms.

1. Who we are and what this Website does
1.1. The Website is administered by the Website Operator (the "Operator"). The Operator does not own, run or provide the MoneyLift service itself and uses the Website to collect enquiries from prospective business users and to share information about the product (the "Service"). The Service, if procured, is provided outside the Website under separate arrangements with its provider. The Operator is not responsible for the Service, its features, pricing or performance. moneylift. io
1.2. The Website is intended for business users. If you access the Website as a consumer, nothing in these Terms deprives you of mandatory rights under the law of your EU/EEA country of residence.

2. Related policies
2.1. The processing of personal data via the Website (e.g., when you submit an enquiry) is described in our Privacy Policy and cookie notice, both available via the Website footer. Please review them carefully before submitting any information.
2.2. Content on the Website is for general information only and is not advice. The Service is a technical tool and the Website is not a bank, exchange or other regulated financial institution.

3. Definitions

• "User" means any person or entity that accesses or uses the Website.
• "Enquiry" means information you submit via Website forms (e.g., name, contact details, description of needs).
• "Content" means text, graphics, logos, interfaces, and other materials published on the Website.

4. Acceptance of Terms
4.1. By accessing or using the Website you accept these Terms in full. If you do not agree, do not use the Website.
4.2. Where you use the Website on behalf of a company, you represent that you are authorised to bind that company and accept the Terms on its behalf.

5. Using the Website
5.1. You may browse the Website and submit an Enquiry to be contacted about potential integration of the Service. Submitting an Enquiry does not create a contract for the Service, and the Operator may decline to proceed without giving reasons.
5.2. A user must:

• provide accurate, current information in any Enquiry and update it as needed;
• use the Website only for lawful purposes and not to submit spam, defamatory, unlawful, infringing, harmful or misleading content;
• not probe, scan or test the vulnerability of the Website or circumvent any security measures;
• not use the Website in violation of applicable sanctions, anti-money-laundering or counter-terrorist-financing laws.

6. Third-party services and integrations
6.1. The Website may refer to third-party exchanges, analytics or integrations. Any such references are informational only. The Operator does not endorse or control third-party services and is not responsible for them. Use is at your own risk and subject to third-party terms.

7. Indemnity
If you use the Website on behalf of a business, you agree to indemnify and hold the Operator harmless from claims, damages, liabilities, costs and expenses (including reasonable legal fees) arising from your breach of these Terms or misuse of the Website.

8. Intellectual property
8.1. The Website and all Content are owned by the Operator or its licensors and are protected by copyright and other intellectual-property laws.
8.2. Except as permitted by mandatory law, you may not copy, modify, distribute, display, frame, mirror, or create derivative works from the Website or Content without prior written permission.

9. Submissions and feedback
9.1. By submitting an Enquiry or voluntary feedback, you grant the Operator a non-exclusive, royalty-free licence to use it for the purpose of responding to you, improving the Website, and evaluating potential cooperation.
9.2. Do not submit confidential information via the Website forms.

10. Disclaimers
10.1. The Website is provided "as is" and "as available." To the maximum extent permitted by law, the Operator disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.
10.2. The Operator is not responsible for the Service, its provision, quality, security, timing, or suitability; any engagement for the Service is solely between you and the service provider.
10.3. Information on the Website does not constitute financial, investment, legal or tax advice; you should obtain your own professional advice.

11. Liability
11.1. To the maximum extent permitted by law, the Operator will not be liable for any indirect, consequential, special, exemplary or punitive damages, including loss of profit, revenue, data, goodwill or business interruption, arising out of or in connection with the Website.
11.2. To the maximum extent permitted by law, the Operator’s aggregate liability arising out of or in connection with the Website will not exceed EUR 100.
11.3. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law (e.g., for fraud) or affects rights you may have as a consumer under mandatory law.

12. Changes to the Website and to these Terms
12.1. The Operator may update the Website at any time without notice.
12.2. The Operator may amend these Terms; the updated version will be posted on the Website. Continued use of the Website after the effective date constitutes acceptance.

13. Suspension and termination
13.1. The Operator may suspend or restrict access to the Website (in whole or part) if needed for maintenance, security or legal reasons.
13.2. These Terms automatically terminate with respect to you when your Enquiry is withdrawn or after the Operator has processed it and contacted you. Clauses that by nature should survive (e.g., intellectual property, disclaimers, liability) will continue to apply.

14. Governing law and jurisdiction
14.1. Unless mandatory law provides otherwise, these Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of the Republic of Estonia, without regard to conflict-of-laws rules.
14.2. The courts of Tallinn, Estonia will have exclusive jurisdiction, except that if you are a consumer resident in the EU/EEA, you may bring proceedings in the courts of your place of residence where required by mandatory law.

15. Miscellaneous
15.1. If any provision is held invalid or unenforceable, it will be replaced by a valid provision that most closely reflects the intent; the remainder will stay in force.
15.2. A failure to enforce any provision is not a waiver.
15.3. You may not assign or transfer your rights or obligations under these Terms without prior written consent. The Operator may assign these Terms in connection with a merger, acquisition, corporate reorganisation, or sale of assets.
15.4. These Terms form the entire agreement between you and the Operator in relation to Website use and supersede any prior terms on the same subject.
15.5. These Terms are in English. If they are translated, the English version prevails to the extent of any inconsistency, without prejudice to mandatory consumer protections.

16. Contact and notices
Questions about these Terms or the Website can be sent to info@moneylift.io.