Terms & Conditions
Please read these terms carefully before using our services.
Last updated: June 7, 2026
1. Acceptance of Terms
By accessing or using the services provided by Union Monique Bank ("the Bank"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services. You must be at least 18 years of age to open an account or use our services.
2. Account Eligibility
To open an account with Union Monique Bank, you must be a legal resident of an eligible country, at least 18 years old, and provide valid government-issued identification. The Bank reserves the right to approve or decline any account application at its sole discretion, in accordance with applicable laws and our internal policies.
3. Account Responsibilities
You are responsible for maintaining the confidentiality of your account credentials, including your username and password. You agree to notify us immediately of any unauthorized access to your account. The Bank will not be liable for any loss resulting from unauthorized use of your account where you have failed to maintain the security of your login details.
4. Acceptable Use
You agree to use our services only for lawful purposes and in accordance with these Terms. You must not use our platform to engage in fraudulent activity, money laundering, or any activity that violates applicable local, national, or international law. Accounts found to be in violation of this policy will be suspended or permanently closed.
5. Deposits and Transfers
All deposits and transfers are subject to verification and may be held for review in accordance with our fraud prevention and compliance procedures. The Bank reserves the right to place holds on funds, delay transactions, or request additional documentation where required by law or internal policy.
6. Fees
A schedule of applicable fees is available on our Pricing page. The Bank reserves the right to update its fee schedule at any time. You will be notified of material changes to fees in advance, in accordance with applicable regulations.
7. Privacy
Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. We are committed to protecting your personal data in accordance with applicable data protection laws.
8. Limitation of Liability
To the fullest extent permitted by law, Union Monique Bank shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services. Our total liability to you for any claim shall not exceed the amount held in your account at the time of the claim.
9. Changes to These Terms
We may update these Terms from time to time. We will notify you of significant changes via email or through a notice on our website. Your continued use of our services after any changes constitutes your acceptance of the updated Terms.
10. Contact Us
If you have any questions about these Terms, please contact our support team at info@unionmonique.com.