These Terms and Conditions (“Terms”) govern your access to and use of the BMONI mobile application and services provided by Bkey Inc. (“we,” “us,” or “our”).

By accessing or using BMONI, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use our services.

1. Acceptance of Terms

By creating an account and using BMONI, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. These Terms constitute a legally binding agreement between you and Bkey Inc.

We reserve the right to modify these Terms at any time. Your continued use of BMONI after any changes indicates your acceptance of the new Terms.

2. Eligibility

To use BMONI, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding contract
• Not be prohibited from using our services under applicable laws
• Provide accurate and complete information during registration
• Reside in a jurisdiction where our services are available

3. Account Registration and Security

Account Creation

To access BMONI services, you must create an account by providing:

• Valid personal information (name, email, phone number)
• Government-issued identification for KYC verification
• Biometric authentication enrollment

Account Security

You are responsible for:

• Maintaining the confidentiality of your account information
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Ensuring your device security and biometric data protection

4. Services Description

BMONI is a financial technology platform that provides:

• Multi-currency digital wallet services
• Stablecoin transactions and storage
• Payment processing and money transfers
• Virtual and physical card services
• Cashback and rewards programs
• Currency exchange services

Important: BMONI is a financial technology company, not a bank. Banking and payment services are provided by our licensed partners.

5. Fees and Charges

You agree to pay all applicable fees for using BMONI services, including:

• Transaction fees
• Currency conversion fees
• Card issuance and maintenance fees
• ATM withdrawal fees
• International transfer fees

All fees will be clearly disclosed before you complete a transaction. We reserve the right to modify our fee structure with reasonable notice.

6. Transactions and Payments

Transaction Authorization

By initiating a transaction through BMONI, you authorize us to:

• Debit your account for the transaction amount plus applicable fees
• Process the transaction through our banking partners
• Record the transaction on the blockchain ledger

Transaction Limits

We may impose limits on:

• Transaction amounts (daily, weekly, monthly)
• Number of transactions per period
• Account balances
• Withdrawal amounts

Transaction Disputes

If you believe a transaction is incorrect or unauthorized, you must notify us within 60 days of the transaction date. We will investigate and resolve disputes in accordance with applicable laws.

7. Prohibited Activities

You agree not to use BMONI for any of the following:

• Illegal activities or transactions
• Money laundering or terrorist financing
• Fraud, scams, or deceptive practices
• Violation of any laws or regulations
• Circumventing transaction limits or verification requirements
• Creating multiple accounts to abuse promotions
• Reverse engineering or tampering with our systems
• Using automated systems or bots

8. Compliance and Regulatory Requirements

You acknowledge that:

• We are required to comply with KYC (Know Your Customer) and AML (Anti-Money Laundering) regulations
• We may request additional documentation at any time
• We may suspend or terminate your account if you fail to provide required information
• We may report suspicious activities to relevant authorities
• Your transactions may be monitored for compliance purposes

9. Intellectual Property

All content, features, and functionality of BMONI, including but not limited to:

• Software, code, and algorithms
• Text, graphics, logos, and images
• Our 22 patented AI technologies
• Trademarks and brand elements

are owned by Bkey Inc. or our licensors and are protected by intellectual property laws.

10. Disclaimers and Limitations of Liability

Service Availability

BMONI is provided “as is” and “as available.” We do not guarantee uninterrupted, timely, secure, or error-free service. We may suspend or discontinue services for maintenance, updates, or other reasons.

Financial Risks

You acknowledge that cryptocurrency and stablecoin transactions carry inherent risks, including:

• Price volatility
• Regulatory changes
• Technology risks
• Liquidity risks

Limitation of Liability

To the maximum extent permitted by law, Bkey Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, data loss, or business interruption.

11. Indemnification

You agree to indemnify, defend, and hold harmless Bkey Inc., its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising from:

• Your use of BMONI services
• Your violation of these Terms
• Your violation of any laws or regulations
• Your infringement of any third-party rights

12. Account Termination

Termination by You

You may close your account at any time by contacting us. You will be responsible for any outstanding fees or obligations before closure.

Termination by Us

We may suspend or terminate your account if:

• You violate these Terms
• You engage in fraudulent or illegal activities
• You fail to provide required verification documents
• Your account shows suspicious activity
• Required by law or regulatory authorities

13. Dispute Resolution

Any disputes arising from these Terms or your use of BMONI shall be resolved through:

1. Informal negotiation between you and Bkey Inc.
2. If unresolved, binding arbitration in accordance with applicable arbitration rules
3. Arbitration shall be conducted in English and governed by the laws of [Jurisdiction]

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Jurisdiction], without regard to its conflict of law provisions.

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes via email or in-app notification. Your continued use of BMONI after such changes constitutes acceptance of the modified Terms.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Bkey Inc. regarding your use of BMONI services.

18. Contact Information

For questions or concerns regarding these Terms, please contact us: