Legal Agreements — CGU

By opening an account with Monexa Investment Bank, you unreservedly accept these Terms of Service. If you do not accept these terms, you may not use our services. We recommend that you read them carefully before using the platform.

Monexa Investment Bank provides digital banking services including: checking account management in euros, issuing and receiving domestic and international bank transfers (SWIFT), viewing transaction history, and downloading account statements.

To open an account, you must be an individual of legal age (18 years or older), possess a valid ID, provide a valid email address, and reside in a country where our services are available. Monexa Investment Bank reserves the right to refuse any account opening request.

In accordance with current regulations on anti-money laundering and combating the financing of terrorism, Monexa Investment Bank is required to verify the identity of its clients. You agree to provide accurate and up-to-date information. Any incomplete or fraudulent file will result in the suspension or closure of the account.

For any transfer to an external bank (SWIFT or SEPA transfer), processing fees will be charged. These fees are clearly displayed before the confirmation of each transfer. By validating a transfer, you expressly acknowledge and accept the associated fees. Fees vary depending on the amount, currency, and destination of the transfer. They are non-refundable once the transfer is initiated.

You are solely responsible for maintaining the confidentiality of your login credentials. Any transaction made from your account is presumed to have been carried out by you. In the event of suspected unauthorized access, you must contact us immediately. Monexa Investment Bank will never ask for your password via email or phone.

It is strictly forbidden to use Monexa Investment Bank for: money laundering, terrorist financing, illicit activities, transactions with embargoed countries, bypassing international sanctions, and any activity contrary to current laws. Any violation will result in the immediate closure of the account and a report to the competent authorities.

Monexa Investment Bank scales every effort to ensure the availability and security of its services. However, we cannot be held responsible for service interruptions due to events of force majeure, technical problems beyond our control, or malicious actions of third parties despite our security measures.

Monexa Investment Bank reserves the right to modify these Terms at any time. You will be informed of any significant changes by email. Continued use of our services after notification constitutes acceptance of the new terms.

These Terms are governed by French law. Any dispute relating to their interpretation or execution will be submitted to the competent courts of Paris, unless contrary to legal provisions.