Compliance & Recht

At Monex Europe, we are committed to providing exceptional service and aim to deliver the best outcomes for our clients. However, if you are dissatisfied with any aspect of Monex Europe, be it our products or services, we encourage you to let us know so we can address your concerns promptly.

We like to give our clients choice, even when submitting a complaint. To make it easy for you, you can submit a complaint in one of the following ways:

1. Contact your dedicated account manager directly via phone or email.
2. Email: complaints@monexeurope.com
3. If you would like to write to us via post, please use the below details:
   Head of Compliance, Monex Europe, 3rd Floor, 1 Bartholomew Lane, London, EC2N 2AX
4. Use the online complaints form on our website.

Our complaints process consists of three key stages:

1. Acknowledgment

• We will acknowledge receipt of your complaint within 3 business days.
• We will provide you with the contact details of the person handling your complaint and the expected resolution timeline.

2. Investigation

• Our Compliance Department will carry out an independent and impartial review of your complaint to ensure we have acted fairly, reasonably, and in line with our regulatory and contractual obligations. We are committed to delivering fair treatment and good outcomes for all clients.
• During this process, we may request additional information from you to ensure a complete understanding of your perspective.

3. Final Response

After the investigation concludes, we will provide you with a detailed written response outlining:

• The details of our review
• Our findings and any actions taken
• Our final decision on the matter

We aim to resolve complaints as quickly as possible while ensuring a thorough review. The regulatory timeframe for providing a final response depends on the Monex Europe entity you are dealing with:

• Monex Europe Markets (MEM): Within 8 weeks.
• Monex Europe Limited (MEL): Within 15 business days, may take up to 35 business days for complex cases. If we are unable to provide you with a final response to your complaint within 15 business days of receiving it, we will write to you explaining the reasons why we are not in a position to issue a final response to your complaint yet.

If you are not satisfied with our final response, you may be eligible to escalate your complaint to the Financial Ombudsman Service (FOS). The FOS is an independent body that provides a free and impartial resolution service for financial disputes.

Contact Details for the Financial Ombudsman Service:
Address: Exchange Tower, London, E14 9SR
Telephone: 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk

Your complaint should be escalated with the FOS within six months of receiving our final response.

Please note Monex Europe does not subscribe to an Alternative Dispute Resolution service for those clients who are not eligible to use FOS.

Yes. As part of our regulatory obligations, we maintain records of all complaints and the actions taken for resolution for a period of five years. Keeping these records allows us to track, review, and improve our services while ensuring full compliance with regulatory standards.

If you have any questions regarding our complaints process, please feel free to contact us Monday to Friday, 8 AM – 5 PM at complaints@monexeurope.com.

These terms and conditions, together with any and all other documents referred to herein, set out the terms of use under which you may use this website, www.monexeurope.com ("Our Site"). Please read these terms and conditions carefully and ensure that you understand them. Your agreement to comply with and be bound by these terms and conditions is deemed to occur upon your first use of Our Site. If you do not agree to comply with and be bound by these terms and conditions, you must stop using Our Site immediately.

In this Policy, the following terms shall have the following meanings:

"personal data" means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via Our Site. This definition shall, where applicable, incorporate the definitions provided in the EU Regulation 2016/679 – the General Data Protection Regulation ("GDPR"); and

"We/Us/Our" means Monex Europe Ltd, a private limited company registered in England under company number 6014261, whose registered address is 3rd Floor, 1 Bartholomew Lane, London EC2N 2AX.

2.1 Our Site is operated by pacwebhosting.uk Ltd, a limited company registered in the United Kingdom, whose registered address is International House, 61 Mosley Street, Manchester, M2 3HZ, United Kingdom.

2.2 Our Site is maintained by Cogent Design Limited, a private limited company registered in England under company number 03698789, whose registered address is 6b Parkway, Porters Wood, St Albans, Hertfordshire, AL3 6PA.

2.3 Our VAT number is GB318 6519 86.

2.4 For any data protection or GDPR related questions, please email enquiries@monexeurope.com, by telephone on +44 20 3650 6003, or contact by post at 3rd Floor, 1 Bartholomew Lane, London EC2N 2AX.

2.5 We are regulated by Financial Conduct Authority as an Authorised Electronic Money Institution, with permission to issue electronic money (e-money) and provide payment services – No 998114.

3.1 Access to Our Site is free of charge.

3.2 It is your responsibility to make any and all arrangements necessary in order to access Our Site.

3.3 Access to Our Site is provided "as is" and on an "as available" basis. We may alter, suspend or discontinue Our Site (or any part of it) at any time and without notice. We will not be liable to you in any way if Our Site (or any part of it) is unavailable at any time and for any period.

4.1 All content included on Our Site and the copyright and other intellectual property rights subsisting in that content, unless specifically labelled otherwise, belongs to or has been licensed by Us. All Content is protected by applicable United Kingdom and international intellectual property laws and treaties.

4.2 Subject to sub-Clause 4.3 you may not reproduce, copy, distribute, sell, rent, sub-licence, store, or in any other manner re-use content from Our Site unless given express written permission to do so by Us.

4.3 You may:

• Access, view and use Our Site in a web browser (including any web browsing capability built into other types of software or app);
• Download Our Site (or any part of it) for caching;
• Print pages from Our Site;
• Download extracts from pages on Our Site; and
• Save pages from Our Site for later and/or offline viewing.

4.4 Our status as the owner and author of the content on Our Site (or that of identified licensors, as appropriate) must always be acknowledged.

4.5 You may not use any content saved or downloaded from Our Site for commercial purposes without first obtaining a licence from Us (or our licensors, as appropriate) to do so.

5.1 You may link to Our Site provided that: you do so in a fair and legal manner; you do not do so in a manner that suggests any form of association, endorsement or approval on Our part where none exists; you do not use any logos or trade marks displayed on Our Site without Our express written permission; and you do not do so in a way that is calculated to damage Our reputation or to take unfair advantage of it.

5.2 You may not link to any page other than the homepage of Our Site, www.monexeurope.com. Deep-linking to other pages requires Our express written permission.

5.3 Framing or embedding of Our Site on other websites is not permitted without Our express written permission. Please contact Us at enquiries@monexeurope.com for further information.

Links to other sites may be included on Our Site. Unless expressly stated, these sites are not under Our control. We neither assume nor accept responsibility or liability for the content of third party sites. The inclusion of a link to another site on Our Site is for information only and does not imply any endorsement of the sites themselves or of those in control of them.

7.1 Nothing on Our Site constitutes advice on which you should rely. It is provided for general information purposes only.

7.2 Insofar as is permitted by law, We make no representation, warranty, or guarantee that Our Site will meet your requirements, that it will not infringe the rights of third parties, that it will be compatible with all software and hardware, or that it will be secure.

7.3 We make reasonable efforts to ensure that the content on Our Site is complete, accurate, and up-to-date. We do not, however, make any representations, warranties or guarantees (whether express or implied) that the content is complete, accurate, or up-to-date.

8.1 To the fullest extent permissible by law, We accept no liability to any user for any loss or damage, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) Our Site or the use of or reliance upon any content included on Our Site.

8.2 To the fullest extent permissible by law, We exclude all representations, warranties, and guarantees (whether express or implied) that may apply to Our Site or any content included on Our Site.

8.3 If you are a business user, We accept no liability for loss of profits, sales, business or revenue; loss of business opportunity, goodwill or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.

8.4 Nothing in these Terms and Conditions excludes or restricts Our liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be excluded or restricted by law.

9.1 We exercise all reasonable skill and care to ensure that Our Site is secure and free from viruses and other malware.

9.2 You are responsible for protecting your hardware, software, data and other material from viruses, malware, and other internet security risks.

9.3 You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via Our Site.

9.4 You must not attempt to gain unauthorised access to any part of Our Site, the server on which Our Site is stored, or any other server, computer, or database connected to Our Site.

9.5 You must not attack Our Site by means of a denial of service attack, a distributed denial of service attack, or by any other means.

10.1 You may only use Our Site in a manner that is lawful. Specifically, you must ensure that you comply fully with any and all local, national or international laws and/or regulations; you must not use Our Site in any way, or for any purpose, that is unlawful or fraudulent; you must not use Our Site to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware; and you must not use Our Site in any way, or for any purpose, that is intended to harm any person or persons in any way.

10.2 We reserve the right to suspend or terminate your access to Our Site if you materially breach the provisions of this Clause or any of the other provisions of these terms and conditions.

Use of Our Site is also governed by Our Cookie and Privacy Policies. These policies are incorporated into these terms and conditions by this reference.

12.1 We may alter these Terms and Conditions at any time. If We do so, details of the changes will be highlighted at the top of this page. Any such changes will become binding on you upon your first use of Our Site after the changes have been implemented. You are therefore advised to check this page from time to time.

12.2 In the event of any conflict between the current version of these terms and conditions and any previous version(s), the provisions current and in effect shall prevail unless it is expressly stated otherwise.

To contact Us, please email Us at enquiries@monexeurope.com or using any of the methods provided on Our contact page at www.monexeurope.com/contact/.

14.1 Any and all personal information that We may collect will be collected, used and held in accordance with the provisions of the GDPR and your rights and Our obligations under that Act.

14.2 We may use your personal information to reply to any communications you send to Us.

15.1 These Terms and Conditions, and the relationship between you and Us (whether contractual or otherwise) shall be governed by and construed in accordance with English law.

15.2 If you are a consumer, any disputes concerning these terms and conditions, the relationship between you and Us, or any matters arising therefrom or associated therewith (whether contractual or otherwise) shall be subject to the jurisdiction of the courts of England, Wales, Scotland, or Northern Ireland, as determined by your residency.

15.3 If you are a business, any disputes concerning these terms and conditions, the relationship between you and Us, or any matters arising therefrom or associated therewith (whether contractual or otherwise) shall be subject to the exclusive jurisdiction of the courts of England and Wales.

The Monex Group ("we", "our" or "us") comprises multiple legal entities, including but not limited to, Monex Europe Limited and Monex Europe Markets Limited. Members of the Monex Group may process certain personal data about you, depending on the scope of your specific relationship with us. This processing of personal data is regulated under the General Data Protection Regulation (2016/679) (the GDPR) and the e-Privacy Directive (2002/58/EC), which both apply across the European Union (including the United Kingdom) (together referred to as the Data Protection Laws). We are responsible as "controller" of your personal data for the purposes of those laws.

This Privacy Notice applies to the following three circumstances:

1. personal data processed when you visit and use our website;
2. any natural person that has been contacted through our direct marketing strategy, either via phone or email; and
3. personal data processed to service our potential and existing clients.

We will comply with the principles set out in the GDPR, which states that the personal data we hold about you must be:

• used lawfully, fairly and in a transparent way;
• collected only for valid purposes that we have clearly explained to you;
• relevant to the purposes we have told you about and limited only to those purposes;
• accurate and kept up to date;
• kept only as long as necessary for the purposes we have told you about; and
• kept securely.

Personal data means any information about an individual from which that person can be identified. It does not include data where your identity has been removed, such as anonymous data.

4.1 Personal data gathered from you

4.1.1 Website

When you visit our website, and navigate your way around, we acquire minimum personal data at this stage. The personal data we collect includes the following:

• information about your computer or device, including browser type and settings;
• log data – the webpage you were visiting before you came to our site, pages you visit on our site, time spent on those pages, information you search for on our site, IP address, access times/dates, and other statistics;
• history of interaction with our webpages, including traffic data relating to your internet connection; and/or
• other personal data that does not directly identify you, such as actions taken on our website.

Providing your data is optional, but it may be necessary for certain services we provide, and other processing activities e.g. to access content, or to qualify your suitability as a new customer. In such cases, if you do not provide your personal data, we may not be able to provide you with the requested services.

4.1.2 Marketing

We collect personal data that you provide directly to us only if you respond to our marketing campaigns. This personal data is collected throughout communication with us, such as call logs and email exchanges with our staff.

4.1.3 Client

We collect the following personal data that you provide to us at onboarding: name; email address; telephone number; address; nationality; date of birth; identification documents (and their attached personal data); and signature.

We collect the following personal data that you provide to us throughout the business relationship: account activity, including payment instructions; communications with our staff; and usage of online portals.

4.2 Personal data from other sources

4.2.2 Marketing

If we have contacted you during a marketing campaign, we may have collected personal data on you which could include: name (including any designatory letters you have attached); date of birth; country of residence; corporate email address; corporate telephone number; and occupation.

We collect this personal data from third parties who, in turn, may gather the data from publicly accessible sources, including but not limited to LinkedIn, Companies House, and news sources.

4.2.3 Client

We may receive personal data about you from other sources, where applicable. This information includes: credit information; credit references; business partners, introducers, service providers; and legal and compliance checks. We will add this information to the personal data we hold about you to check customer creditworthiness; to check for possible fraudulent activity; comply with our legal obligations; and to improve and personalise our service.

Please note that we will ask for your explicit consent before any credit search is performed, and this search is only required for certain products and services.

4.3 Cookies and similar technologies

Cookies are small text files that are placed on your computer or device by websites that you visit or HTML-formatted emails you open. You can access our Cookies Policy on our website [https://www.monexeurope.com/cookie-policy/].

5.1 Website

We use your personal data mainly to: interact with you; to provide you with support services; to make it easy to navigate our website; to improve our website and our products; and to offer you content and services that might interest you.

We may also use your personal data where processing is necessary for us to comply with our legal obligations, including responding to legal process or lawful requests.

5.2 Marketing

We collect personal data about you in order to directly market services that we legitimately believe will be of interest to you. This data is used exclusively to communicate with you and discuss how we can help you.

If you contact us to discuss any topic or issue, we may monitor and record communications such as emails and telephone calls for the following purposes: quality assurance; training; fraud prevention; gathering statistical data for management information; and compliance with relevant laws.

5.3 Client

We collect personal data about our users for the following purposes: onboarding; identify you and manage any accounts you hold with us; sending contract notes; complying with regulation; process your trades; and statistical analysis and behavioural analysis.

We may share your personal information with other group companies, affiliates and other third parties to help us process your personal information for the purposes set out in this Privacy Notice. This may include:

• members of the Monex Group depending on your requested products and services;
• contractors, sub-contractors, business partners, introducers, suppliers and/or service providers that help us perform our business functions;
• credit reference agents in accordance with our credit checking policy;
• law enforcement agencies in connection with any investigation to help prevent unlawful activity;
• legal representatives and consultants in situations where expert advice and legal opinions are required; and/or
• processors that maintain our IT systems.

Your personal data is never sold and any personal data that is shared is in line with the Data Protection Laws.

We collect and use personal data to provide you with a service or product that you have requested, or where necessary, to comply with a legal obligation. We may also collect and use personal data pursuant to the Monex Group's legitimate interest as long as these interests are not overridden by your data protections rights. Additionally, we may collect and use certain personal data where you have given consent. Where the Monex Group asks for consent, you are free to withhold or revoke your consent by opting out.

We rely on the legal basis "legitimate interest" and "consent" in order to market to you, with considerations to the e-Privacy Directive and its requirements under consent.

We will keep your personal data in line with our Data Retention Policy. This allows the Monex Group entities to perform the activities listed in this Privacy Notice. We will maintain your personal data throughout the lifecycle of the contract. We may need to keep your data for a longer period where we need to retain personal data to comply with legal or regulatory requirements, such as to help us respond to complaints or preventing fraud and financial crime. If we are not required to retain the personal data, we will destroy, delete or anonymise it at the point it is no longer required.

We store your personal data in a secure environment. We have appropriate security measures in place to prevent personal data from being lost, accessed or used in an unauthorised way, including encryption and other forms of security. We limit access to your personal data to those who have a genuine business need to know it. Those processing your personal data will do so only in an authorised manner and are subject to a duty of confidentiality.

We also have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so.

Whilst we will use all reasonable efforts to secure your personal data, in using the website you acknowledge the use of the internet is not entirely secure and for this reason we cannot guarantee the security or integrity of personal data that is transferred from you.

Your personal data may be transferred to and stored in locations outside of the UK, such as the European Economic Area. When we do this, we will ensure the recipient entity has an appropriate level of protection and that the transfer is lawful through controls, such as Standard Contractual Clauses. We may need to transfer your data in this way to carry out our contractual obligations to you, to fulfil a legal obligation and/or for our legitimate interests. In such instances, we will only share the personal data with those who have the right to see the personal data.

We would like to send you information about products, services and our business, which may be of interest to you. Such information could be sent by post, email, or telephone. How we market to client and potential clients differs and is explained below.

11.1 Client

We will ask whether you would like us to send you marketing messages on the first occasion that you provide any relevant contact information (i.e. on signing up to trade with us). If you do opt in to receive such marketing from us, you can opt out at any time. If you have any queries about how to opt out, or if you are receiving messages you do not want to, you can contact us using the details provided below.

11.2 Potential client

You may be sent marketing information, in this instance the personal data has been collected and processed in line with the previously described processes in sections 4.1.2, 4.2.2 and 5.2.

We may do a credit check on you so that we can make credit decisions about you and prevent financial crime. Any such search will be recorded on the files of the credit reference agency.

We may also disclose personal data about how you conduct your account to credit reference agencies and your personal data may be linked to records relating to other people living at the same address with whom you are financially linked.

Other credit businesses may use your personal data to make credit decisions about you and the people with whom you are financially associated; trace debtors; and prevent and detect financial crime. If you provide false or inaccurate information to us and we suspect fraud, we will record this.

We would like to make sure you are fully aware of all your data protection rights.

The right to access – You have the right to request us for copies of your personal data and how we process the data.

The right to rectification – You have the right to request that we correct any personal data you believe is inaccurate. You also have the right to request we complete personal data you believe is incomplete.

The right to erasure – You have the right to request that we erase your personal data, under certain conditions. If you enforce this right at the same time as you object to the processing we will have to maintain basic identification data to ensure we do not contact you again.

The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.

The right to object to processing – You have the right to object to our processing of your personal data, this means if you do not want to be contacted for the purposes set out in this notice then we will stop processing your data.

The right to data portability – You have the right to request that we transfer the data that we have collected to another organisation, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you.

This Privacy Notice was published on 1st January 2018. The last update was on 15 July 2021.

We may update or amend this Privacy Notice from time to time. You should check this Privacy Notice frequently to ensure you are aware of the most recent version that will apply each time you access this website. We will also attempt to notify users of any changes by email if you have opted to receive emails, and/or a notice on the website header.

If you have any questions about this Privacy Notice or the personal data we hold about you, please contact us by:

Email – enquiries@monexeurope.com

Post – Monex Europe Limited, 1 Bartholomew Lane, London, EC2N 2AX.

If you have any complaints about this Privacy Notice or the personal data we hold about you, please contact us by reaching out to the above contact information.

If you are unsatisfied by our response you can contact the Information Commissioners Office (ICO) by contacting:

Contact number: 0303 123 1113
Website: https://ico.org.uk/make-a-complaint/

Cookies are small text files that are stored on your device when you visit a website. They are widely used to make websites work more efficiently, remember your preferences, and provide information to website operators.

Essential Cookies: These cookies are necessary for the basic functionality of our website and enable you to navigate and use our services. Without these cookies, certain features of our website may not work properly.

Performance Cookies: These cookies collect information about how you use our website, such as which pages you visit and any errors that occur. This helps us identify and fix problems to improve performance.

Functional Cookies: These cookies remember your preferences and choices to provide a more personalized experience when you return to our website.

Marketing Cookies: These cookies are used to track your activity across websites and display targeted advertising based on your interests.

You can control and delete cookies through your browser settings. Most web browsers allow you to refuse cookies or alert you when cookies are being sent to your device. Please consult your browser's help documentation for instructions on how to manage cookies.

Please note that disabling cookies may affect the functionality of our website and your user experience.

If you have questions about our use of cookies, please contact us at the address provided on this website.

In accordance with Section 172 of the Companies Act 2006, the Board of Directors of each Monex Group UK entity considers the long-term consequences of decisions, the interests of employees, fostering business relationships with suppliers and customers, the impact on community and the environment, maintaining a reputation for high standards of business conduct, and acting fairly between members of the company.

The statements below describe how each UK company within the Monex Group has had regard to these matters in the course of its decision-making.

Please find below all important regulatory disclosures associated with Monex's UK investment firm, Monex Europe Markets Limited.

These Terms and Conditions are incorporated into all contracts between Monex Europe Limited and the Client in relation to the provision of FX services and payment services, and between Monex Europe Markets Limited and the Client in relation to the provision of investment services.

Please find the English-language versions of our client terms and conditions below.

Please find the Spanish-language (Español) versions of our Monex Europe Limited client terms and conditions below.

In compliance with Schedule 19, Finance Act 2016.

Monex International Markets PLC is part of the Monex S.A.P.I de C.V (Mexico). This policy relates to Monex International Market PLC and all other UK companies within the wider Monex S.A.P.I. de C.V Group (collectively "Monex UK").

In this document we are disclosing the UK Tax Strategy for all UK legal entities.

This strategy is reviewed and approved annually by the Board of Directors. Tax governance is integrated into broader corporate governance frameworks, with accountability clearly assigned to senior finance and tax personnel.

Monex UK transacts with customers in many countries and accordingly is exposed to a variety of tax risks. We set robust policies and compliance processes, which are kept under review as legislation and circumstances change, to ensure we discharge our tax obligations accordingly.

We maintain a low tolerance for tax risk and do not engage in aggressive tax arrangements. Tax decisions are taken with full regard to legal obligations, commercial substance, and reputational considerations. Monex UK's internal governance ensures employees are aware, trained, and committed to a strict policy against facilitating tax evasion.

We use available reliefs and incentives responsibly in a manner consistent with their intended purpose. All planning is underpinned by genuine commercial rationale and aligned with our business operations.

We're pleased to report that we have a very open, cooperative and transparent relationship with HMRC. The Group works with HMRC in real-time in accordance with the principles of the Framework of Co-operative Compliance. When occasional differences of opinion occur, usually concerning the "fine detail" of tax legislation, we seek to maintain a transparent and cooperative relation with tax authorities.

This document satisfies the requirements of Paragraph 16(2), Schedule 19 of the Finance Act 2016.

The financial strength of the group is integral to Monex's past and continued success in the future.

Monex Europa S.L. ("MESL") is authorised and regulated by Banco de España ("BoS") as an Authorised Payment Institution (Regulatory Licence Number 6936). MESL offers Spot FX contracts and FX Forward contracts which are entered into for payment purposes, i.e. for the purposes of payment for identifiable goods, services, or direct investments.

All FX transactions must be physically settled – the client delivers the sold currency, and we pay out the purchased currency. MESL is not permitted to allow clients to enter into FX Forward contracts for speculative purposes, repayments linked to loans, or to otherwise hedge FX outside of making payment for identifiable goods or services, or direct investments.

As an Authorised Payment Institution, MESL does not protect client money under any financial services compensation scheme. However, client funds are protected under the safeguarding scheme applicable to payment service providers. This means that MESL holds all client money in separate correspondent banks, away from MESL's own operational funds and as such, should something happen to MESL, client funds are ringfenced and protected. No creditor can hold a claim to any of the funds held in such accounts. I.e., should MESL go insolvent or into administration, MESL's correspondent banks have a responsibility to return the funds to our clients as soon as possible.

As an Authorised Payment Institution, MESL must safeguard all funds received from clients in order to execute payment transactions regardless of the destination of payment.

The MESL system used to reconciliate and direct funds considers all client balances irrespective of which banking institution or jurisdiction the funds are held in. MESL calculates and safeguards funds daily, ensuring that the correct value of funds are held for each client, and that the funds are not co-mingled with MESL's own funds. All accounts in which Client funds are settled into, are from top tier Authorised Credit Institutions (based in the EU and UK). All of these accounts are accompanied by acknowledgement letters from the Credit Institution that the funds are ring-fenced from all other funds, and that no creditor can hold a claim to any of the funds held in such accounts. I.e. should MESL go into insolvency, MESL's correspondent banks have a duty to return the funds to clients as soon as possible.

If you have specific queries, please contact regulatorycompliance.mesl@monexeurope.eu

MESL provides clients with a secure trading environment to transact foreign exchange business. Our clients are provided with a highly secure system for communicating payment instructions and other sensitive data globally, while all outgoing payments and FX transactions made can be traced up to delivery.

Payments are settled through Barclays Bank in Frankfurt, France, Spain and London; BBVA in Spain, and Banco Monex.

MESL operates under the Payment Service Directive 2 and its transposition into Spanish Legislation. Therefore, client funds will ultimately upon receipt sit in "safeguarding" client trust accounts in line with the applicable regulations.

Corporate member of SWIFT – MEUOESMM. This is MESL's SWIFT BIC.

For more information, please contact our Settlements team on:
E: settlements.mesl@monexeurope.eu   T: +34 919 030 444

Monex USA is committed to strict adherence with any and all applicable regulations and codes relating to Anti-Money Laundering and Anti-Terrorist Financing.

Monex USA's policies and procedures were created in order to detect any suspicious activity that may threaten your transmission of funds. We monitor numerous sanctions lists in order to screen our customer accounts, beneficiaries, and related parties or entities to ensure legal and positive customer relationships. These strict policies are enforced by a dedicated team of AML compliance and legal professionals that are here to keep your money safe.

Alabama Customers

Alabama Securities Commission
445 DEXTER AVENUE, SUITE 12000
MONTGOMERY, AL 36104
Telephone number: 334-242-2984
https://asc.alabama.gov/

Alaska Customers

For Alaska Residents Only:
If your issue is unresolved by Monex USA Inc. 800-834-2497, please submit formal complaints with the State of Alaska, Division of Banking & Securities.
Please download the form here.
Website: https://www.commerce.alaska.gov/web/dbs/Home.aspx
Submit formal complaint form with supporting documents:
STATE OF ALASKA, Division of Banking & Securities 550 W. 7th Avenue, Suite 1850 Anchorage, Alaska 99501
If you are an Alaska resident with questions regarding formal complaints, please email us at dbs.licensing@alaska.gov or call Nine Zero Seven Two Six Nine Eight One Four Zero (907-269-8140).

Arizona Customers

Arizona Department of Insurance & Financial Institutions
100 North 15th Avenue, Suite 261
Phoenix, AZ 85007
Telephone number: 602-771-2800
https://difi.az.gov/

Arkansas Customers

Arkansas Securities Department
#1 Commerce Way, Suite 402
Little Rock, Arkansas 72202
Telephone number: 501-324-9260
http://www.securities.arkansas.gov/

California Customers

California Department of Financial Protection and Innovation
If you have complaints with respect to any aspect of the money transmission activities conducted at this location, you may contact the California Department of Financial Protection and Innovation at:
Toll-free telephone number: 1-866-275-2677; Fax: 916-445-2123
Email: Ask.DFPI@dfpi.ca.gov
Website: https://dfpi.ca.gov/
Mail: Department of Financial Protection and Innovation, 651 Bannon St, Suite 300, Sacramento, CA 95811

Colorado Customers

Colorado Division of Banking
1560 Broadway, Suite 975
Denver, CO 80202
Please write to the Colorado Division of Banking with full details describing the specific service issue you have experienced. Your correspondence should include the following information:
Identify Monex and the names of people you have contacted at Monex. Please include the Monex phone number and address.
Describe your complaint and outline all efforts made to resolve the issue.
Provide copies of all correspondence relating to the specific service issue.
Suggest how you would like the service issue resolved.
Telephone number: 303-894-7575
Email Address: DORA_BankingWebsite@state.co.us
Online
Commonwealth of Colorado Notice

Connecticut Customers

Connecticut Department of Banking
260 Constitution Plaza
Hartford, CT 06103
Telephone number: 860-240-8170
http://www.ct.gov/dob/site/default.asp

Delaware Customers

Delaware Office of State Bank Commissioner
43 South Dupont Highway
Dover, DE 19901
Telephone number: 302-739-4235
https://banking.delaware.gov/contact/

District of Columbia Customers

District of Columbia Department of Insurance, Securities & Banking
1050 First St. NE
Washington, DC 20002
Telephone number: 202-727-8000
http://disb.dc.gov/

Florida Customers

Florida Office of Financial Regulation
For complaints directly to the Florida Office of Financial Regulation, please send correspondence to:
Toll-free telephone number: 850-487-9687
Mail: Florida Office of Financial Regulation, 200 E. Gaines Street, Tallahassee, FL 32399-0376
http://www.flofr.com/

Georgia Customers

Georgia Department of Banking and Finance
2990 Brandywine Rd #200
Atlanta, GA 30341
Telephone number: 888-986-1633
https://dbf.georgia.gov/

Hawaii Customers

Hawaii Division of Financial Institutions
335 Merchant St # 201
Honolulu, HI 96813
Telephone number: 808-586-2630
http://cca.hawaii.gov/dfi/

Idaho Customers

Idaho Department of Finance
11341 W Chinden Blvd, Suite A300
Boise, ID 83714
Telephone number: 208-332-8000
http://www.finance.idaho.gov/

Illinois Customers

Illinois Department of Financial and Professional Regulation
If you have complaints with respect to any aspect of the money transmission activities conducted at this location, you may contact the Illinois Department of Financial & Professional Regulation at:
Toll-free telephone number: 1-888-473-4858
Mail: Department of Financial & Professional Regulation, 320 West Washington, 5th Floor Springfield, Illinois 62786
https://idfpr.illinois.gov/dfi.html

Indiana Customers

30 South Meridian St., Suite 300
Indianapolis, Indiana 46204
Telephone number: 317-232-3955
http://www.in.gov/dfi/

Iowa Customers

Iowa Division of Banking
200 E Grand Ave #300
Des Moines, IA 50309
Telephone number: 515-281-4014
https://www.idob.state.ia.us/

Kansas Customers

Kansas Officer of the State Bank Commissioner
700 SW Jackson St # 300
Topeka, KS 66603
Telephone number: 785-380-3939
http://www.osbckansas.org/

Kentucky Customers

Kentucky Department of Financial Institutions
500 Mero Street, 2SW19
Frankfort, KY 40601
Telephone number: 502-573-3390
https://kfi.ky.gov/

Louisiana Customers

Louisiana Office of Financial Institutions
8660 United Plaza Blvd
Baton Rouge, LA 70809
Telephone number: 225-925-4660
http://www.ofi.state.la.us/

Maine Customers

Maine Bureau of Consumer Credit Protection
35 State House Station
Augusta, Maine 04333
Telephone number: 207-624-8527
http://www.maine.gov/pfr/consumercredit/index.shtml?l=it

Maryland Customers

Maryland Department of Labor, Licensing and Regulation
The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Monex Inc. NMLS #910436 at:
100 S. Charles Street, Tower 1 Suite 5300, Baltimore, MD 21201
Phone number: 888 784-0136.
File a complaint here.

Massachusetts Customers

Massachusetts Office of Consumer Affairs and Business Regulation
1000 Washington Street, 10th Floor
Boston, MA 02118-6400
Telephone number: 617-956-1501
Monex, Inc. is a licensed money transmitter in Massachusetts (license number: FT5527)
http://www.mass.gov/ocabr/

Michigan Customers

Michigan Department of Insurance & Financial Services
530 W Allegan St #7
Lansing, MI 48933
Telephone number: 877-999-6442
http://www.michigan.gov/difs/

Minnesota Customers

Minnesota Department of Commerce
If you have any questions or complaints about your money transmission activities, please contact the Minnesota Department of Commerce with the information below:
Online submission 85 7th Place East,
Suite 280 Saint Paul, MN 55101
Toll Free 800-657-3602
Phone: 651-539-1600
Fax: 601-321-6933
Email: consumer.protection@state.mn.us
File a complaint here.

Mississippi Customers

Mississippi Department of Banking and Consumer Finance
P.O. Box 12129
Jackson, MS 39236-2129
Telephone number: 601-321-6901
https://dbcf.ms.gov/

Missouri Customers

Missouri Division of Finance
Truman State Office Building, Room 630
Jefferson City, MO 65102
Telephone number: 573-751-3242
http://finance.mo.gov/

Montana Customers

For customers located in Montana, please contact us directly as money transmitters are currently not regulated in this state.

Nebraska Customers

Nebraska Department of Banking & Finance
1526 K St #300
Lincoln, NE 68508
Telephone number: 877-471-3445
http://www.ndbf.ne.gov/index.shtml

Nevada Customers

Nevada Financial Institutions Division
3300 W. Sahara Ave., Suite 250
Las Vegas, Nevada 89102
Telephone number: 702-486-4120
http://fid.nv.gov/

New Hampshire Customers

New Hampshire Banking Department
53 Regional Dr. #200
Concord, NH 03301
Telephone number: 603-271-3561
https://www.nh.gov/banking/

New Jersey Customers

New Jersey Department of Banking and Insurance
20 West State Street
P.O. Box 325
Trenton, NJ 08625
Telephone number: 609-292-7272
http://www.state.nj.us/dobi/index.html

New Mexico Customers

New Mexico Division of Financial Institutions
2550 Cerillos Road
Santa Fe, NM 87505
Telephone number: 505-476-4885
https://www.rld.nm.gov/
money_order_principals_and_money_order_agents.aspx

New York Customers

New York Department of Financial Services Consumer Services Division
New York (NY) Monex Inc. is regulated and licensed by the New York State Department of Financial services to transact the business of receiving money for transmission within this country and abroad. New York consumers can direct unresolved complaints to the Consumer Assistance Unit, NYS Department of Financial Services, One Commerce Plaza, Albany NY 12257, ph. (800) 342-3736, website (https://www.dfs.ny.gov/).

North Carolina Customers

North Carolina Office of the Commissioner of Banks
3100 Smoketree Court, Suite 1100
Raleigh, NC 27604
Telephone number: 919-733-3016
https://nccob.nc.gov/

North Dakota Customers

North Dakota Department of Financial Institutions
1200 Memorial Highway
Bismarck, ND 58504
Telephone number: 701-328-9933
http://www.nd.gov/dfi/

Ohio Customers

Ohio Department of Commerce
77 South High Street, 23rd Floor
Columbus, OH 43215-6123
Telephone number: 866-278-0003
https://com.ohio.gov/

Oklahoma Customers

Oklahoma Banking Department
2900 North Lincoln Boulevard
Oklahoma City, Oklahoma 73105
Telephone number: 405-521-2782
https://www.ok.gov/banking/

Oregon Customers

Oregon Department of Consumer & Business Services
350 Winter St. NE
PO Box 14480
Salem, OR 97309
Telephone number: 888-877-4894
http://dfr.oregon.gov/Pages/index.aspx

Pennsylvania Customers

Pennsylvania Department of Banking and Securities
17 N 2nd St #1300
Harrisburg, PA 17101
Telephone number: 717-787-1854
http://www.dobs.pa.gov/Pages/default.aspx

Puerto Rico Customers

Commissioner of Financial Institutions
PO Box 11855
San Juan, Puerto Rico 00910-3855
Telephone Number: 787-723-8445
https://www.ocif.pr.gov/

Rhode Island Customers

Rhode Island Department of Business Regulation, Division of Banking
1511 Pontiac Avenue
Cranston, RI 02920
Telephone number: 401-462-9503
https://dbr.ri.gov/

South Carolina Customers

South Carolina Attorney General: Money Transmitters Division
1000 Assembly Street
Columbia, SC 29201
Telephone number: 803-734-1221
http://www.scag.gov/civil/money-services

South Dakota Customers

South Dakota Division of Banking
Department of Labor and Regulation
1714 Lincoln Ave., Suite 2
Pierre, SD 57501
Telephone number: 605-773-3421
http://www.dlr.sd.gov/banking/

Tennessee Customers

Tennessee Department of Financial Institutions
312 Rosa L. Parks Avenue
Nashville, TN 37243
Telephone number: 800-778-4215
http://www.tennessee.gov/tdfi/

Texas Customers

Texas Department of Banking
If you have a complaint, first contact the consumer assistance division of Monex Inc. at 800-834-2497. If you still have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, 1-877-276-5554 (toll free), www.dob.texas.gov
E-mail Address: consumer.complaints@dob.texas.gov

Utah Customers

Utah Department of Financial Institutions
324 State St # 201
Salt Lake City, UT 84111
Telephone number: 801-538-8830
http://dfi.utah.gov/

Vermont Customers

Vermont Department of Financial Regulation
89 Main Street
Montpelier, VT 05620-3101
Telephone number: 888-568-4547
http://www.dfr.vermont.gov/

Virginia Customers

Virginia Bureau of Financial Institutions
1300 E Main St.
Richmond, VA 23219
Telephone number: 804-371-9657
https://www.scc.virginia.gov/bfi/

Washington Customers

Washington Department of Financial Institutions
Washington (WA) Right to Refund – The following applies only to Transactions that are submitted by Senders in the State of Washington: You, the customer, are entitled to a refund of all monies received for transmittal within ten (10) days of receipt of a written request for refund unless any of the following occurs: i. The monies have been transmitted and delivered to the recipient prior to receipt of the written request for a refund; ii. Instructions have been given committing an equivalent amount of money to the person designated by the customer prior to the receipt of a written request for a refund; iii. Monex Inc. has reason to believe that a crime has occurred, is occurring, or may potentially occur as a result of transmitting money as requested by the customer or refunding the money as requested by the customer; or iv. Monex Inc. is otherwise barred by law from making a refund.
150 Israel Rd SW, Tumwater WA 98501
Telephone number: 360-902-8703
http://www.dfi.wa.gov/

West Virginia Customers

West Virginia Division of Financial Institutions
900 Pennsylvania Avenue, Suite 306
Charleston, WV 25302
Telephone number: 800-642-9056
http://www.dfi.wv.gov/Pages/default.aspx

Wisconsin Customers

Wisconsin Department of Financial Institutions
4822 Madison Yards Way, North Tower
Madison, WI 53705
Telephone number: 608-264-7969
https://dfi.wi.gov/

Wyoming Customers

Wyoming Division of Banking
2300 Capitol Avenue
2nd Floor
Cheyenne, WY 82002
Telephone number: 307-777-7797
http://wyomingbankingdivision.wyo.gov/

Monex USA is committed to serving you securely and seamlessly across the United States. We are proud to be one of the first fully licensed and bonded money transmitters in all US states that require licensing and Washington, DC.

All updated state licenses issued to Monex USA Inc (dba Monex USA) can be viewed here State Licenses

Monex USA is one of the first Money Service Businesses (MSBs) to be fully licensed in all required US States.

We are committed to world-class compliance and protecting your organization with strict adherence to all applicable regulations and codes relating to Anti-Money Laundering and Anti-Terrorist Financing. Monex USA’s policies and procedures were created in order to detect any suspicious activity that may threaten your transmission of funds.

We monitor numerous sanctions lists in order to screen our customer accounts, beneficiaries, and related parties or entities to ensure legal and positive customer relationships. These strict policies are enforced and regularly audited by a dedicated team of AML compliance and legal professionals that are here to keep your money safe.

• Privacy Policy
• State Licensing
• User Agreement

In addition to state licensing, Monex USA is registered with the U.S. Department of the Treasury as a Money Service Business (MSB) and also has oversight by three federal agencies:

• Office of Foreign Assets Control (OFAC) — To comply with restrictions against debarred parties and/or individuals.
• Financial Crimes Enforcement Network (FinCEN) — For ongoing compliance with the Bank Secrecy Act, as mandated by Congress.
• Financial Transactions and Reports Analysis Centre (FINTRAC) — Canada’s financial intelligence unit.

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Monex USA offers highly personalized and quality service to all clients. However, if you have a service related issue please contact your Monex USA Account Manager directly or if your service issue requires escalation please contact:

Mr. Will Vigliotta
Head of Operations
Monex USA
1101 K Street NW
Suite 600
Washington, DC 20005
800.834.2497 | wvigliotta@monexusa.com

If your FX Account Manager and the Operational Head cannot successfully resolve your service issue, clients in the following states may escalate their issues directly:

Clients in Alaska with unresolved service issues can contact:

If your issue is unresolved with Monex, 800-834-2497, please submit formal complaints with the State of Alaska, Division of Banking & Securities. Formal complaints must be in writing, please download the form: Alaska General Complaint Form. Formal complaint forms may be submitted via: 1) Fax: 907-465-1230; 2) Email: msb_licensing@alaska.gov; 3) Mail: Division of Banking & Securities, PO Box 110807, Juneau, AK 99811-0807. If you have any questions regarding formal complaints, please call: 907-465-2521.

Clients in California with unresolved service issues can contact:

If you have complaints with respect to any aspect of the money transmission activities conducted at this location, you may contact the California Department of Financial Protection and Innovation at its toll-free telephone number, 1-800-622-0620, by email at Ask.DFPI@dfpi.ca.gov, or by mail at the Department of Financial Protection and Innovation, 2101 Arena Boulevard, Sacramento, CA 95834.

Clients in Colorado with unresolved service issues can contact:

Colorado Division of Banking
1560 Broadway, Suite 1175
Denver, CO 80202
Email: DORA_BankingWebsite@state.co.us
Website: www.dora.colorado.gov/dob

Please write to the Colorado Division of Banking with full details describing the specific service issue you have experienced. Your correspondence should include the following information:

Identify Monex and the names of people you have contacted at Monex. Please include the Monex phone number and address.

Describe your complaint and outline all efforts made to resolve the issue.

Provide copies of all correspondence relating to the specific service issue.

Suggest how you would like the service issue resolved.

Clients in Minnesota:

You may contact us by email at hello@monexusa.com to voluntarily disqualify yourself from sending or receiving transactions with Monex Inc. All requests will expire one year from the date of request, unless requested for longer, or until you terminate the request in writing. Monex Inc. may automatically inform the Minnesota Department of Commerce Financial Institutions Division to include such individual on Minnesota’s “No Transmit List.” The Financial Institutions Division may from time to time provide the “No Transmit List” to us and any individuals on such list shall automatically be a Disqualified User. Please see Minn. Stat. 53B.27, subd. 3 for more information on the “No Transmit List.”

Clients in New York with unresolved service issues can contact:

Unresolved consumer complaints may be mailed to the New York State Banking Department, Consumer Services Division, as set forth in section 1.1 of Supervisory Policy G-1. Monex, Inc. is licensed and regulated by the New York State Banking Department.

Clients in Texas with unresolved service issues can contact:

Monex Inc. engages in the money transmission and/or currency exchange business under Chapter 151 of the Texas Finance Code. If you have a complaint, first contact the consumer assistance division of Monex Inc. at 800.834.2497. If you still have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking:

In Person or U.S. Mail
Texas Department of Banking
2601 North Lamar Boulevard
Suite 300
Austin, TX 78705-4294
Telephone Number: 1-877/276-5554 (toll free)
Fax Number: 1-512/475-1313
E-mail Address: consumer.complaints@dob.texas.gov
Website Address: www.dob.texas.gov

Use of a Monex Inc. Account is subject to these terms and conditions:

This User Agreement which is incorporated by reference, governs your use of and access to the Services and Monex Account provided by Monex Inc. dba Monex USA. By applying for, registering for, accessing, or using the Services or a Monex Account, you agree that you have read, accept and agree to be bound by the Agreement as well as Monex’ Privacy Policy (available at https:// monexusa.com/privacy-policy/), which is incorporated by reference. Capitalized terms not defined in the Agreement are defined in the Glossary.

THIS USER AGREEMENT CONTAINS INDEMNITY PROVISIONS, AS WELL AS A CONSENT TO RECEIVE COMMUNICATIONS ELECTRONICALLY IN LIEU OF MAILING YOU PAPER COPIES. We may update or modify this User Agreement without prior written notice at any time and in our sole discretion by posting a revised version on the Monex Inc website (monexusa.com) and/or within the Monex mobile application. We will provide you with notice of such modifications as required by Applicable Law. Any updates or modifications to this User Agreement will be considered effective as of the “Last Updated Date” indicated in the then-current version of the User Agreement. Your continued use of the Services or a Monex Account after the “Last Updated Date” will constitute your acceptance of and agreement to such revised User Agreement.

If you do not agree to this User Agreement, or if you do not agree to any updates or modifications to this User Agreement, you may not apply for, register for, access or use the Services or a Monex Account and must immediately terminate any use of the Services and any Monex Account.

You agree that we shall not be liable to you or any third party in the event we exercise our right to modify or discontinue any of the Services, any portion of the Services, or any Monex Account features.

If you have questions or concerns regarding this User Agreement or your use of the Services, you may contact us at (800) 834-2497 between the hours of 8:30 am and 5:00 pm Eastern Standard Time, weekdays, excluding federal holidays, or email us at hello@monexusa.com.

or purposes of this User Agreement, the following terms shall have the following meanings:

• ACH Network (ACH): The Automated Clearing House network for the electronic funds transfer system governed by the NACHA Rules.
• Applicable Law: All federal, state, or other governmental statutes, codes, ordinances, laws, regulations, rules, guidance, written directives, NACHA Rules, orders, and decrees applicable to the Services.
• Authorized User: An individual authorized by Client to initiate Transactions on behalf of Client.
• Beneficiary: Any third party to which Client instructs Monex to deliver a payment pursuant to a Transaction.
• Beneficiary Data: The depository financial institution account information, routing number, and contact details, and other related information necessary to effectuate the transmission of funds to a Beneficiary per Client’s Instructions.
• Business Day: A day on which commercial banks are open for business (including dealing in foreign exchange) in the place specified for purpose.
• Client: The person, corporation, limited liability company, organization, association, or other legal entity for which a Monex Account application was completed and approved by Monex and to whom Monex provides Services.
• Commencement Date: The date on which Monex first opens Client’s Monex Account.
• Confidential Client Information: Client’s account details with its depository financial institution(s), transaction currencies, amounts, or any other information related to a Transaction.
• Contract Funds: The type and amount of currency the Client agrees to purchase/sell from/to Monex.
• Inbound Transaction: A Transaction involving a payment initiated by a 3rd party that is designated for receipt by a Client.
• Information Provider: Any third-party entity, including stock exchanges and news service providers, who provides Monex, whether directly or indirectly, with Market Information.
• Instruction: A request by Client for Monex to provide Services, including any request for Services made by mail, email, facsimile, telephone, file transfer, a Standing Order, or other means.
• Intellectual Property Rights: Any and all rights arising in the United States or any other jurisdiction throughout the world in and to (a) patents, patent disclosures and inventions (whether patentable or not), (b) trademarks, service marks, trade dress, trade names, logos, corporate names and domain names, and other designations of source, sponsorship, affiliation or origin, together with all related goodwill, (c) copyrights, copyrightable works and other works of authorship (including computer programs), mask works, data, data collections and databases, (d) trade secrets, know-how and other confidential or proprietary information, (e) moral rights, and (f) any and all other intellectual property rights (collectively, “Intellectual Property”), in each case whether registered or unregistered and including all related rights of priority under international conventions, all pending and future applications and registrations and continuations, divisions, continuations-in-part, reissues, extensions, substitutions, re-examinations and renewals thereof, and all similar or equivalent rights or forms of protection in any part of the world.
• Market Information: Information relating to the financial markets, including market data, research, analysis, forecasts and commentary.
• NACHA Rules: The bylaws, operating rules, guidance or other requirement of The National Automated Clearing House Association, as amended from time to time.
• ODFI (Originating Depository Financial Institution): The financial institution that will serve as the originating depository financial institution as defined in the NACHA Rules for any ACH transaction authorized by Client.
• Outbound Transaction: A Transaction involving the transfer of funds from Client’s ODFI to a specified Beneficiary.
• Party or Parties: Individually or collectively, Client and Monex.
• Regulatory Authority: Any federal, state or local government, any state or any political subdivision thereof and any entity exercising executive, legislative, judicial, governmental, or administrative functions of or pertaining to government.
• Services: Whether in the singular or the plural, the services offered by Monex to Client from time to time, which services may include, but are not limited to, the buying or selling of foreign currency, money transfer services, other money transfer products or services requested from or provided by Monex through its platform, including its website, mobile application, API, or any other access points, and any services provided by Monex to Client pursuant to a written agreement or addendum.
• Settlement: The total amount, including the cost of currency acquisition as well as any fees and charges (excluding any fees and charges set forth in any addendum, if applicable), Client owes to Monex for a Transaction, less any partial prepayment and/or additional partial prepayment (margin call/risk exposure top-up payment).
• Settlement Date: The date upon which Client must pay the Settlement.
• Standing Order: Client’s Instruction, which must be delivered to Monex in writing on Client letterhead and signed by Client, to purchase/sell Contract Funds at the Target Rate within the Standing Order Effective Period, without prior oral approval from Client.
• Standing Order Effective Period: The time within which Client has instructed Monex to purchase or sell the Contract Funds at the Target Rate.
• Target Rate: The rate at which Client has instructed Monex to purchase/sell Contract Funds if and when the stipulated rate is purchasable.
• Monex: Monex Inc., its subsidiaries, and affiliates.
• Monex Account: The holding account established by Monex on behalf of Client for the receipt of Client funds that are temporarily held by Monex for the convenience of Client pending receipt from Client of an Instruction, including Beneficiary designation.
• Monex USA: Monex Inc., its subsidiaries, and affiliates
• Monex USA Account: The holding account established by Monex on behalf of Client for the receipt of Client funds that are temporarily held by Monex for the convenience of Client pending receipt from Client of an Instruction, including Beneficiary designation.
• Monex Site: Any means by which Client may access the Monex Services, including a website, mobile application, API, or any other access point.
• Transaction: Any transaction using the Services in accordance with this User Agreement.
• Transaction Date: The date on which Monex executes an Instruction on behalf of Client regarding the receipt or initiation of a Transaction in a particular currency at a specified amount.
• Transaction Receipt: A receipt for a Transaction that sets forth a confirmation number; the respective names of the Parties; the respective amounts and currencies bought and sold; the rate of exchange; the value date; and the date the Settlement is due Monex.

1.0. This User Agreement takes effect on the Commencement Date and will continue for an indefinite period of time until terminated in accordance with their provisions.

1.1. When entering into this Agreement, you provide information to Monex in order to apply for a Monex Account. As part of this process, Client must provide certain information, including identification information. Client must provide accurate and complete information and must keep all information current. Monex may request additional information about Client and/or a designed Beneficiary when Client applies for a Monex Account or any time thereafter. Examples of such documents or information include but are not limited to government-issued photo identification, business invoices, banking statements or other financial or business information that may reasonably allow Monex to confirm Client’s identity, validate the purpose of Client’s Transaction or authenticate Client’s funding source. By accepting this User Agreement, Client authorizes Monex to make inquiries with certain third parties, such as credit reporting agencies or other information providers, that Monex may deem necessary to verify Client’s identity. To the extent any information provided to Monex is Confidential Client Information, please see Section 18.

1.2. Client may maintain a balance in its Monex Account for a maximum of ninety (90) days. Client shall be responsible for all risks (e.g., volatility of the foreign currency market) associated with Client maintaining a balance in a Monex Account in one or more foreign currencies. If Monex does not receive a timely Instruction for the disposition of such funds, those funds will be converted to USD at the then-prevailing exchange rate(s) and returned to Client. Client may request to extend this period by phone call or email to a Monex representative.

2.0. Upon entering into this User Agreement, Client authorizes Monex to accept, act and rely upon any Instruction that is reasonably believed to have been initiated by Client.

2.1. The time of contracting of a Transaction is upon verbal, written, or electronic acceptance by Client, not upon receipt of the Transaction Receipt. Verbal acceptance includes, but is not limited to, orally over the telephone. Written acceptance includes, but is not limited to, email and fax. Electronic acceptance includes but is not limited to, clicking a button or other form of electronic confirmation on the Monex Site.

2.2. By submitting Instructions or initiating a Transaction, Client makes a request that Monex process the Transaction. Monex may accept or reject this request at its sole discretion. It is Client’s sole responsibility to ensure that all information contained in the Instructions for each Transaction is complete, accurate, and, if in writing, legible. Client must immediately inform Monex of any error in the initial Instructions. Monex shall not be liable for damages, losses, costs and expenses in connection with any incomplete, incorrect, or erroneous Instructions provided by Client to Monex.

2.3. If Client does not provide a timely and complete Instruction, Monex will place any incoming funds into the Client’s Monex Account. If no Instructions are received within ninety (90) calendar days of placing funds in Client’s Monex Account, funds will be returned to Client’s bank account and any loss will be deducted from the amount returned to Client.

2.4. Monex will provide Client with a Transaction Receipt for each Transaction, which will be displayed, faxed, emailed, or mailed to Client after the Transaction has been completed. The Transaction Receipt will be in English. Transaction Receipts will be deemed conclusive and binding on Client if not objected to upon receipt with such objection confirmed in writing within (1) Business Day after dispatch of the Transaction Receipt by a Monex representative. Contact info can be found at https://monexusa.com/contact/. The Transaction will not be invalidated if for any reason the Transaction Receipt is not displayed, emailed, faxed, mailed or presented to Client, including as a result of any computer malfunction. If for any reason the Transaction Receipt is not received by or presented to Client, the Transaction Receipt in Monex’ possession with respect to that Transaction will constitute conclusive evidence of the terms of the Transaction and may be used as evidence in any dispute arising with respect to the Transaction. If a Transaction Receipt is not received or presented to Client for any reason, the Client should notify Monex immediately by contacting a Monex representative at fxorders@monexusa.com to request a Transaction Receipt.

2.5. Once a Transaction has been entered into, Client must pay the Settlement on the Settlement Date specified in the related Transaction Receipt. Client must ensure that any Monex Account from which Client’s settlement obligations under a Transaction are to be satisfied contain sufficiently cleared funds to settle the Transaction. If the Monex Account does not contain sufficiently cleared funds to settle the Transaction, Client will be liable for any resulting fees incurred by Monex in connection with such insufficient funding and must ensure that cleared funds are immediately provided. Client agrees that Settlement amounts shall not be recallable by Client without Monex’ prior written consent.

2.6. If Client specifies in its Instructions a Transaction Date that is not a Business Day in the jurisdiction where the Beneficiary of the Transaction is located, the Transaction Date for the Transaction will be the next Business Day, notwithstanding anything to the contrary in the Transaction Receipt and subject to Client meeting its Settlement obligation.

2.7. Monex will use its reasonable efforts to process a Transaction on the same day it is submitted; however, Monex cannot control and will not be responsible for the time it takes financial institutions to process the Transaction.

2.8. Client understands that Monex will charge certain fees for the Services, which shall be specified by Monex or otherwise disclosed to Client before the Client enters into a Transaction. Monex may change the fees charged for the Services and for subsequent Transaction at its sole discretion at any time.

2.9. Any check issued by Monex in favor of Client which is lost, stolen, or destroyed in transit must be reported by Client to Monex within thirty (30) calendar days of such occurrence. Upon receipt of a signed indemnity agreement from Client affirming that Client has not received value for such item, Monex will issue and deliver to Client a replacement item of the applicable value.

2.10. Client acknowledges that Monex is not a depository institution and is not insured by a government entity. Client further understands that no interest will be paid by Monex to Client with respect to any funds held by Monex in a Monex Account or as margin for forwards.

2.11. If Client has a dispute with a Beneficiary or financial institution concerning a Transaction made via the Services, Client agrees to settle the dispute directly with the Beneficiary or financial institution.

2.12. Client is solely responsible for maintaining the confidentiality of its username, password and any other information it holds for its Monex Account. Monex has the right to disable any username or password, whether chosen by Client or allocated by Monex, at any time, if in Monex’ reasonable opinion, Client has failed to comply with any of the provisions of this User Agreement. If Client knows or suspects unauthorized use of Client’s Monex Account or password, or any other breach of security, Client must contact Monex immediately at hello@monexusa.com.

3.0. By issuing a Standing Order to Monex, Client authorizes Monex to accept and act in accordance with the Standing Order to purchase/sell funds at a specified Target Rate. Every Standing Order shall be effective only after Monex has received it and has had a commercially reasonable amount of time to act upon it.

3.1. If the terms of the Standing Order are met by the end of the Standing Order Effective Period, Monex will send to Client a Transaction Receipt. If the terms of the Standing Order are not met by the end of the Standing Order Effective Period, the Standing Order will expire. Client agrees to review each Transaction Receipt and immediately inform Monex of any errors.

3.2. To cancel a Standing Order, Client must send written notification before Monex purchases any funds pursuant to the Standing Order. If no such notice is received, the Standing Order will be presumed to be valid, current, and enforceable.

3.3. If the Target Rate does not become purchasable during the Standing Order Effective Period, the Standing Order will be canceled and no funds will be purchased.

4.0. Client acknowledges and agrees that once a Transaction has been entered into, any cancellation of the Transaction will be entirely within the sole discretion of Monex, subject to Applicable Law. In the event that Client wishes to request that Monex cancel a Transaction, Client must notify Monex prior to Monex initiating the Transaction by contacting a Monex representative at fxorders@monexusa.com. Notwithstanding anything to the contrary contained herein, Client acknowledges and agrees that although Monex may attempt to cancel a Transaction following Client’s request to cancel, Transactions that have already been initiated by Monex pursuant to Client’s Instructions may not be able to be canceled or returned and Transactions that have already been delivered to a Beneficiary pursuant to Client’s Instructions cannot be canceled or returned.

4.1. If Client fails to meet its Settlement obligation of the Transaction on the Settlement Date, Monex may, in its absolute discretion, cancel the Transaction, without limiting any other remedies that it may have.

4.2. If the Transaction is cancelled by Monex for a reason described above, Client agrees to reimburse Monex for any losses or expenses incurred by Monex as a result of the Transaction being cancelled, including breakage costs and trading losses. In the event there is a profit on the date of cancellation, Client agrees that the profit will belong to Monex.

5.0. Notwithstanding that an exchange rate is agreed at the time of contracting in relation to a Transaction, Monex cannot guarantee the same exchange rate in relation to any other Transaction. Rates are quotes, not guarantees, and will only be finalized upon completion of all Monex Account documentation and review.

6.0. Client acknowledges and agrees that in cases where Transactions are not made through the Monex website or mobile application, the Transaction Receipt will be sent to the email address provided. In the event that no email address is provided, the Transaction Receipt will be sent to the mailing address provided by regular mail/postal service. Client is responsible for ensuring that the email address and mailing address specified are accurate and up to date at all times.

6.1. Transaction Receipts that may be sent by email, or mail, including any information transmitted with it, are intended for the use of the addressee(s) and are confidential. If Client is not the intended recipient, then review, disclosure, conversion to hard copy, dissemination, reproduction or other use of any part of the communication is strictly prohibited, as is the taking or omitting of any action in reliance upon this communication. If Client receives a communication in error or without authorization, Client will notify Monex immediately and delete the entire communication from any mobile device, computer, storage drive, or other storage medium.

7.0. Unless otherwise provided in this User Agreement or agreed in writing between Monex and Client, Client agrees to promptly deliver Settlement to Monex in immediately available funds. If Client does not deliver Settlement within five (5) Business Days following Client’s Instruction to purchase/sell the Contract Funds, Monex shall have the right to suspend or ultimately terminate the Services, net out or set-off any amounts Monex owes to Client against any and all amounts owed or that may be owed to it by Client, including any fees, losses or indemnities, and/or initiate any proceedings necessary to recover any balance due. Such steps shall be at the sole discretion of Monex, and Client agrees to the following:

(i) Monex shall have no liability to Client, and Client waives any claim or action against Monex, in the event of such suspension or ultimate termination; and

(ii) to indemnify and hold Monex harmless from any and all liability, claims, damages, and costs, including all reasonable fees, including attorneys’ fees, incurred by Monex resulting from Client’s failure to pay and Monex’ effort to collect any balance due.

7.1. Upon the insolvency of Client or commencement of bankruptcy proceedings or receivership by or against Client, Monex has the right (at its sole discretion and without notice) to terminate, liquidate or accelerate this User Agreement, and to net out or set-off any amounts owed to Monex by Client against any amounts Monex may owe to Client.

7.2. Client agrees to be bound by any debit Instruction(s), whether authorized or not, issued in its name and acted upon by Monex, and Client agrees to indemnify Monex and hold it harmless from and against any and all liability and expense incurred by Monex in connection with its execution of a debit Instruction(s) believed by Monex to have been issued by an Authorized User. In the event Client elects not to use or adhere to the security procedures described in this User Agreement, Client shall remain liable as set forth above for any debit Instruction(s) issued in its name, whether authorized or not, and acted upon by Monex in good faith. Client agrees that Monex and Client’s depository financial institution are authorized to credit Client’s account with the depository financial institution from time to time in the event that credit adjustments become necessary. Client authorizes Monex to communicate with Client’s depository financial institution as necessary to effectuate the Services contemplated in this User Agreement.

7.3. Client shall provide prior written notice to Monex if Client changes the account(s) at its depository financial institution(s) from which Monex has been granted the authority to initiate electronic debits. If no notification is received and funds are debited from an inactive account, the liability will remain with Client including any fees associated with insufficient funds.

7.4. If as a result of an error or omission caused by Monex, Monex incorrectly debits Client’s depository financial institution account in an amount that exceeds the value of Settlement, Monex shall return to Client the over debited amount (i.e. the difference between the amount debited and the amount of Settlement). Return of funds will be made within five (5) Business Days of Monex receiving written notice of the over-debit. Return of the over debited amount shall be Client’s sole and exclusive remedy for any such error or omission. If as a result of an error or omission caused by Monex, Monex incorrectly debits Client’s depository financial institution account in an amount that is less than the value of Settlement, Client hereby authorizes Monex to initiate an additional debit(s) from Client’s depository financial institution account for the additional funds owed by Client to Monex to complete said Transaction.

7.5. In the event any check delivered or electronic debit authorized by Client is dishonored by Client’s depository financial institution, Monex will charge, and Client agrees to pay, all processing costs associated with each returned check or rejected electronic debit.

7.6. Client agrees and acknowledges that in the event Client provides Instructions to Monex for a payment to a U.S. Beneficiary via the ACH Network, such Transaction shall be subject to the Electronic Funds Transfer Act, Article 4a of the Uniform Commercial Code, and the NACHA Rules, and that Client is designated as originator of such Transaction, as defined by the NACHA Rules, and shall be bound by the NACHA Rules to the extent applicable to the Transaction. Client agrees that Instructions to Monex shall constitute authorization to Monex’ ODFI to originate an ACH entry on Client’s behalf and Client agrees to assume all obligations of an originator under the NACHA Rules and shall in no event authorize a Transaction in violation of the laws of the United States. The ODFI may suspend or terminate Client’s right to submit ACH entries for breach of the NACHA Rules in a manner to permit the ODFI to comply with the NACHA Rules. Monex and/or its ODFI may audit Client’s compliance with this User Agreement as it pertains to this Section.

8.0. Market Information provided by Monex through any means has been independently obtained from various Information Providers through sources believed to be reliable. Neither Monex nor the Information Providers guarantees the timeliness, sequence, accuracy, completeness, or fitness for a particular purpose of any Market Information provided by Monex. The Market Information may include views, opinions, and recommendations of third-party individuals or organizations. Client understands that neither Monex nor the Information Providers endorses such views, opinions or recommendations.

8.1. Client represents and warrants that it is not relying on any communication (written or oral) of Monex as investment advice, as recommendation to enter into a Transaction, or an assurance of expected results of a Transaction, and that each Transaction entered into by Client will be based upon Client’s own judgment and upon advice from such third-party advisors as Client has deemed necessary. Client acknowledges that Monex is not acting as a fiduciary or advisor with respect to any Transaction and Monex is not providing any investment, tax, accounting or legal advice to Client.

9.0. Monex may modify any or all of Monex’ systems and/or Services at any time. The Monex system(s) and/or Services may periodically be unavailable to Client during Monex’ normal hours of operation in order to allow for maintenance, updates or other causes. Monex shall not be responsible for any consequences arising from Client’s inability to access the Services when Monex has, in its sole discretion, determined to make the Services unavailable for maintenance, updates, or other causes. In no event will Monex be responsible for delays or failures in performance resulting from acts beyond Monex’ reasonable control.

10.0. Monex can terminate this User Agreement and/or suspend or terminate Client’s access to the Services or its Monex Account, in whole or in part, at any time, without notice, unless otherwise required by Applicable Law. In addition, Monex may terminate or suspend Client’s access to the Services or its Monex Account if: (i) Client breaches any provision of this User Agreement; (ii) Monex reasonably believes that Client is in breach or violation of Applicable Law; (iii) Monex suspects fraudulent or illegal activity in connection with Client’s use of the Services or Client’s Monex Account; or (iv) Client Monex is directed or requested to do so by any Regulatory Authority. Client acknowledges that it will continue to be responsible for its obligations related to Transactions and its Monex Account following termination of this User Agreement.

10.1. If you want to terminate this User Agreement and close your Monex Account, Client must call 1-800-834-2497. Following the completion of any pending Transactions and the payment of all outstanding amounts owed to Monex, we will send the remaining balance in your Monex Account to an account designated by you at your sole cost and expense. To request reinstatement, Client must call 1-800-834-2497. If reinstated, the then-current version of this User Agreement will control. In no event shall Monex be obligated or required to reinstate a Client or reopen Client’s Monex Account.

10.2. If Client does not access its Monex Account through the Services for a period of twelve (12) consecutive months, Monex may suspend Client’s access to the Service, including its Monex Account, without notice. Client may request a reinstatement in accordance with Section 10.1 above. Monex may be required to escheat funds in a Monex Account in accordance with Applicable Law.

10.3. If a check remains uncashed for a period of six (6) months, as measured from the date on the check, Monex will notify Client of the uncashed check(s). If Client does not respond to Monex’ notice and provide Monex with an Instruction for the disposition of such funds (e.g., request that Monex stop payment on the uncashed check), Monex may be required to escheat the funds in accordance with Applicable Law.

10.4. All applicable provisions of this User Agreement will survive termination by Client or Monex, including, without limitation provisions related to: (i) Intellectual Property; (ii) warranty disclaimers; (iii) limitations of liability; (iv) indemnification; and (v) Client payment obligations.

11.0. This User Agreement, as amended by Monex from time to time, shall constitute the entire agreement between the Parties concerning the subject matter hereof and supersede all prior agreements between the Parties concerning the subject matter hereof. In the event of any conflict or ambiguity between the provisions of this User Agreement and any other agreement (e.g., a previously executed confidentiality agreement), the provisions of this User Agreement shall control.

11.1. The terms of each Transaction set out in the related Transaction Receipt are incorporated into and form part of this User Agreement. In connection with the provision of the Services, the Parties may enter into separate contracts (the “Ancillary Contracts”), including a Master Foreign Currency Forward Contract or Commercial Credit Agreement, each of which will be incorporated into and form part of this User Agreement.

12.0. Client acknowledges that the content, format, and presentation of the material in relation to the Services that Monex provides and the Market Information that Monex makes available to Client under this User Agreement may contain Intellectual Property which is either Monex’ property or licensed to Monex. In no event will Client have or acquire any rights to or in respect of the Intellectual Property mentioned herein.

12.1. Client acknowledges that the Monex Inc website (monexusa.com) and mobile application contain material which is copyright of Monex and Client acknowledges that it will not acquire any rights to such material by downloading it.

13.0. Client agrees not to use the Services to make payments for any illegal purpose. In addition, Client certifies that it will not use the Services in violation of Applicable Law. In the event Client enters into or attempts to enter into any prohibited transaction, Monex reserves the right in its sole discretion to suspend and/or terminate Client’s access to the Services. Client acknowledges that any Instruction issued by Client pursuant to this User Agreement will be binding upon and enforceable against Client and does not violate the terms of any other agreement to which Client is bound.

13.1. Client represents and warrants that it is acting as a principal and has legal title to all funds used in connection with the Transactions, and that any Transaction is being undertaken in accordance with Applicable Law. Client represents and warrants that Client has entered into this User Agreement for lawful and commercial purposes connected with Client’s business and not for the purpose of investment or speculation. Client represents and warrants that each use of the Services by Client is exercised in connection with Client’s line of business and to manage the risk associated with an asset or liability owned or incurred, or reasonably likely to be owned or incurred, in the conduct of Client’s business. Client further represents and warrants that all funds used in each Transaction are of legal origin and were not obtained through criminal activity of any kind.

13.2. Client represents and warrants that the individual initiating the relationship with Monex has the authority to bind Client to this User Agreement and that the person initiating the relationship with Monex is authorized to act on Client’s behalf.

13.3. Client understands that Monex takes appropriate measures to ensure that it is not participating or assisting in money laundering or terrorist financing. Client agrees that Monex, at its sole discretion, may disclose any Transaction-related information in order to satisfy Monex’ legal obligations under Applicable Law, including to the Financial Crimes Enforcement Network, pursuant to anti-money laundering, trade and economic sanctions laws and/or regulations, or as may otherwise be required by Applicable Law or court order. Furthermore, such disclosure may be made to any governmental agency, body, or department that exercises regulatory or supervisory authority with respect to Monex’ operations, where such disclosure is made to satisfy routine governmental audit or examination requirements or as part of informational submissions required to be made to such governmental entities in the ordinary course of business.

13.4. Upon request, Client agrees to provide any additional information that Monex may need to satisfy its obligations under Section 13.3.

13.5. Monex may terminate this User Agreement and/or cancel or reject any Instruction at any time, with or without notice, in the event of any regulatory non-compliance by Client or if otherwise required to comply with Applicable Law.

13.6. Monex may terminate this User Agreement if it reasonably believes that Client is attempting to or has accepted or received any bribes, gifts or other improper payments in connection with the Services.

14.0. Client agrees to indemnify and hold Monex harmless for any damages, losses, costs and expenses incurred by Monex in connection with any Instruction made by Client or Monex’ reasonable actions in response to receiving an Instruction from Client, unless such damages, losses, costs and expenses are caused by Monex’ gross negligence or intentional misconduct. Monex shall not be liable for damages, losses, costs and expenses in in connection with any incomplete, incorrect, or erroneous Instructions provided by Client to Monex.

14.1. Client understands that the Services are provided on an “as is” basis, without warranty of any kind, either expressed or implied.

14.2. Monex does not warrant any aspect of the underlying Transaction(s), including, for example, whether goods or services for which payment is being made are conforming or satisfactory or whether payment has been made in the right amount or within the time agreed between Client and Beneficiary. Monex will transmit the specified funds in their exact terms to the exact Beneficiary in question at the currency rate given at the time of Transaction.

14.3. Monex expressly disclaims any liability for errors, omissions, interruptions to the Services, and any representations or warranties, express or implied, including to any warranties of merchantability, fitness for a particular purpose, non-infringement and performance. Client agrees that Monex shall not be liable for any errors or losses caused by third parties, including any depository institution.

14.4. Client agrees that Monex, its affiliates, its suppliers, vendors, service providers, service companies, or their respective subsidiaries, officers, directors, agents, partners, employees or consultants shall not be liable to Client for any indirect, incidental, consequential, punitive, special or exemplary damages, arising from or in connection with the Services or this User Agreement (however arising, regardless of the nature of the claim or the form of cause of action), including negligence, damages for loss of profits, goodwill, use, data or other intangible losses and regardless of whether Monex has been advised of the possibility of such damages. Unless required by Applicable Law, under no circumstances shall Monex’ liability to Client or any third party for any damages or losses of any kind whatsoever (however arising, regardless of the nature of the claim or the form of cause of action, including negligence), exceed the sum of (i) the U.S. dollar value as of the Transaction Date of the relevant Transaction, and (ii) the amount of any fee or commission charged and collected by Monex in connection with the relevant Transaction. For claims unrelated to a particular Transaction, Monex’ maximum liability hereunder shall not exceed a sum equal to the fees charged by Monex to Client in the six (6) month period prior to the date on which the claim arose. Client expressly agrees that any claim for damages or losses of any kind whatsoever arising hereunder must be asserted within twelve (12) months of the circumstances that allegedly caused the incident giving rise to the claim.

14.5. For the avoidance of doubt, nothing in this Section 14 shall be construed as giving rise to liability under a force majeure event, the occurrence of which shall not make Monex liable to Client for damages of any kind.

15.0. Monex may need to provide you with certain communications, notices, agreements, Transaction Receipts, updates, or other disclosures in writing (“Communications”). You agree and consent to receive Communications electronically and confirm your ability to do so. Monex may provide these communications to you by posting them on its website, in its mobile application, or by emailing them to you at the address listed in your Monex Account application. You also agree to the use of electronic signatures in our relationship with you. If you choose not to agree to the terms of this paragraph or you withdraw your consent, you may be restricted from using the Services. You may withdraw your consent by contacting Monex at the address below.

15.1. To access and retain electronic Communications, you will need the following computer hardware and software:

A computer with an Internet connection with a current web browser or a mobile device with a current operating system that is capable of receiving, accessing, displaying, and either printing or storing Communications received from us in electronic form.

A valid email address (your email address that you have on file with Monex).

Sufficient storage space to save past Communications and/or to print them.

15.2. You have the right to request a paper copy of a Communication we previously sent you within 180 days of the date we provided the Communication to you. To request a paper copy, you must contact us as described below. We will send your paper copy to you by U.S. mail. If you request paper copies, you understand and agree that Monex may charge you a fee for each Communication. For the avoidance of doubt, requesting a paper copy of any Communication, in and of itself, will not be treated as withdrawal of consent to receive electronic Communications.

15.3. Notices or requests which Client needs to deliver to Monex must be delivered as follows:

Monex Inc.

1101 K Street NW, Suite 600

Washington, D.C. 20005, USA

Email: fxorders@monexusa.com

15.4. Client acknowledges and agrees that communication by email or its use of the internet will be at Client’s own risk and expense.

15.5. Communications and notices required or permitted under this User Agreement shall be deemed delivered when hand-delivered to the receiving person, upon delivery via certified mail (return receipt requested), upon electronic transmission via email, upon delivery via a national or international package delivery company (return receipt requested or delivery confirmation received), or when such delivery is made to the address first set forth in the Monex Account application. Any Party may change its address for purposes of this notice provision by giving notice in the manner prescribed above.

16.0. This User Agreement will be governed by and construed in accordance with applicable federal laws and the laws of the District of Columbia, without regard to the laws of conflicts.

16.1. The Parties agree to be subject to the jurisdiction and venue of the district and federal courts of the District of Columbia with respect to any disputes arising out of this User Agreement.

16.2. In the event of any dispute, controversy or claim arising out of or relating to this User Agreement, Client’s use of the Services, any Transaction, or the breach, termination or validity of the User Agreement (“Dispute”), the Parties shall attempt to promptly and in good faith resolve any such Dispute within ten (10) days following a Parties’ receipt of a notice detailing a Dispute.

17.0. Each Party represents that it has all permissions and authorities necessary to enter into and be bound by this User Agreement, and that the use of the Services in accordance with this User Agreement will not conflict with another agreement to which it is a party.

17.1. Client represents and warrants that the financial and business information submitted by it (and all updates) was (or will be) accurate and complete when submitted. Client agrees to inform Monex immediately of any material change in its financial condition and to update Monex on such matters annually.

18.0. Client agrees that all Monex webpages (including service marks, logos and trademarks), Services, mobile applications, process, and systems are Monex property and protected by copyright law or other intellectual property laws. Client may not:

(i) reproduce any part(s) thereof in any form;

(ii) create any derivative work based thereon; or

(iii) incorporate the site into other websites, electronic retrieval systems, publications or otherwise.

Provided Client agrees to comply with this User Agreement, Client may be permitted to view, use, and download a single copy of any webpage(s), (but not any applications, processes or systems) for the purposes of its internal recordkeeping and accounting for Transactions.

18.1. Client acknowledges and agrees that all copyright and other Intellectual Property Rights in and to any deliverables produced by Monex in carrying out any of the Services for Client (including reports, compilations or databases in any and all media) shall be the property of Monex. Client shall be permitted to use such reports, compilations or databases for its own internal business purposes but it shall not disclose, disseminate, sell or otherwise make any such deliverables available to any third party whether in whole or in part, without the express written consent of Monex.

18.2. Client acknowledges that, in order for Monex to perform any of the Services hereunder, it will be necessary for Client to provide Monex Confidential Client Information. For the avoidance of any doubt, Confidential Client Information does not include information that is or has become publicly known, has been independently developed by Monex without use of any Confidential Client Information, or is received from a third party about Client.

18.3. Monex shall not disclose, sell or otherwise transfer Confidential Client Information to any third party other than its contractors, business partners, affiliated entities, financial institutions, and regulators (if necessary) provided, however, that Monex shall have the right to disclose such information to any third party if such disclosure is required by Applicable Law.

18.4. Monex, in its sole discretion, may contact any Beneficiary to effectuate the delivery and provision of the Services, including the ongoing maintenance of Beneficiary Data. Nothing contained in this User Agreement is intended or shall be construed to (i) preclude, restrict or prevent Monex from establishing or maintaining with any Beneficiary a commercial relationship that is separate and distinct from the Services provided to Client hereunder or (ii) relieve Client of its responsibility to ensure the accuracy of all Beneficiary Data contained in any Instruction. Client further acknowledges that Monex already holds and maintains Beneficiary Data for an extensive compilation of Beneficiaries and, therefore, Client’s right to any particular Beneficiary Data shall not be exclusive. Monex agrees that any Beneficiary Data received from Client shall not be disclosed to any third party, except as necessary to deliver the Services, for Monex’ own business purposes, including conducting surveys to ascertain Beneficiary satisfaction with the Services, marketing the Services to any Beneficiary or as otherwise contemplated under this User Agreement.

18.5. Client’s personal information is processed pursuant to Applicable Law and controlled by Monex. Monex uses personal information the Client provides to Monex when using Monex’ products and Services, as well as other information that is collected or generated during Monex’ relationship with Client. This information is used to provide Client with the Services Client agreed to and activities like administration, customer service, anti-money laundering duties, validation of Client details, analysis and research, prevention and detection of fraud, debt and theft recovery, and to help Monex improve its products and services and operations.

18.6. Monex may also use, collect from and share with other businesses who work with Monex, information from other products and services and convenience, which Client has registered for during Client’s relationship with Monex. Monex will hold and retain the information that Client gives Monex about another person including the details of any of Client’s nominated Beneficiaries in order to execute the Transaction. It is the Client’s obligation to ensure prior to providing this information that Client has notified and secured authorization from the other person on Monex’ use and disclosure of this information as set out in this section.

18.7. Monex may transfer information to affiliates in countries other than the country in which the information was originally collected or created, including to affiliates in the United States. Monex may also provide the information to other organizations that help Monex run its business, if there is a reasonable need, to carry out or aide the Services, future services, or for any of the reasons or uses set out in this Section. Monex may add to information Client provides with information from available other business or individuals, including information to validate the accuracy of Client information provided by Client. Monex may disclose personal information, including without limitation, name, customer ID number, address, transaction patterns, and bank account information, (i) if required to do so by domestic or foreign law or legal process or (ii) to law enforcement authorities or other government officials (including those in this country, the United States, or elsewhere) for purposes such as detecting, investigating, prosecuting and preventing crimes, including money laundering and related criminal activity, and the recipients may further disclose the information for these and other related purposes.

18.8. The information Monex holds may be accessed by Monex and its affiliates including any authorized Monex third–party service providers for any of the purposes set out in this Section or for other purposes to which Client has agreed. Client has a right to ask Monex to see and get a copy of Client’s information, for which Monex may charge a small fee to cover administrative costs. Client can also correct, erase or limit Monex’ use of the information which is incomplete, inaccurate, or out-of-date. Client may object at any time on legitimate reasons to the use of Client’s information, where the processing is not required to complete the Service, or required by Applicable Law. If Client wishes to exercise these rights or no longer wish to receive commercial communications from Monex, Client must contact Monex by emailing aml@monexusa.com or writing to the address:

Monex Inc.

1101 K Street NW, Suite 600

Washington, D.C. 20005, USA

Attention: COMPLIANCE DEPARTMENT

19.0. Monex and Client agree that money damages may not be a sufficient remedy for breach of the confidentiality and license undertakings in this User Agreement. Accordingly, in addition to all other remedies, each Party shall be entitled to seek specific performance and injunctive or other equitable relief as a remedy for any breach of those provisions. Client and Monex agree to waive any requirement for a bond in connection with the granting of any such injunctive or other equitable relief.

19.1. Except for the obligation to pay for Services delivered, nonperformance of either Party shall be excused to the extent that performance is rendered impossible by a strike, fire, flood, other natural disaster, pandemic, governmental act, act of terror, order or restriction, failure of supplier(s), act of God, or any other reason where failure to perform is beyond the control and not caused by the negligence of the non-performing Party.

19.2. Client understands and agrees that telephone communications with Monex may be monitored and/or recorded for the protection of Client and Monex. These calls may be used for training purposes and shall be considered Confidential Client Information to the extent that the information contained therein does not become public. Client further understands and consents to Monex and/or its affiliates placing telemarketing calls and text messages to Client using an automatic telephone dialing system and/or an artificial or prerecorded voice. Consent is not required to use the Services, and Client may revoke this consent at any time by contacting Monex at hello@monexusa.com.

19.3. Client understands and agrees that, to the extent possible, Monex will respond to any Client request for copies of Transaction Receipts for a period of five (5) years following the date of the Transaction. Client acknowledges and agrees that any costs associated with retrieving and providing such information will be billed to and payable by Client.

19.4. Client shall be responsible for remitting to the appropriate tax authority any taxes that may apply to any Transactions initiated in connection with the Services. Client acknowledges that Monex shall not be responsible for determining what, if any, taxes apply to Client’s Transactions or other payments made in connection with this User Agreement.

19.5. Monex and Client shall each act at all times as independent contractors and nothing contained in this User Agreement shall be interpreted, construed or implied to create any agency, partnership or joint venture between Monex and Client. Nothing in this User Agreement shall be interpreted, construed or implied as creating or establishing the relationship of employer and employee between Monex and Client. At no time shall either Monex or Client make commitments for or in the name of the other.

19.6. Neither Party may use the Party’s name in news releases, articles, brochures, marketing materials, advertisements and other publicity or investor promotions without the prior written consent of the other Party.

19.7. If for any reason a court of competent jurisdiction finds any provision of this User Agreement, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of the Parties, and the remainder of this User Agreement shall continue in full force and effect.

19.8. Any failure by either Party to require strict performance by the other of any provision of this User Agreement shall not constitute a waiver of such provision or thereafter affect the Party’s full rights to require strict performance.

19.9. Client may not transfer or assign its rights or obligations under this User Agreement without Monex’ prior written consent. Monex shall have the right to transfer or assign some or all of its rights and obligations under this User Agreement to any party. This User Agreement shall be binding upon and inure to the benefit of the Parties and their permitted successors and assigns.

19.10. The Parties do not intend for any provision of this User Agreement to be enforceable by any person or entity that is not a party to this User Agreement.

19.11. The headings of several sections are inserted for convenience of reference only and are not intended to be a part of or to affect the meaning or interpretation of this User Agreement.

19.12. Signatures transmitted by facsimile or scanned email copy shall be enforceable against the transmitting Party in the same manner as the original signature of such Party, with any requirement that the existence of the original signature be established hereby waived.

19.13. Monex does not knowingly collect, either online or offline, personal information from persons under the age of eighteen. You must be at least eighteen (18) years old to conduct business with Monex. You must be able to form legally binding contracts under Applicable Law. Other restrictions may apply.

19.14. In accordance with the Unlawful Internet Gambling Enforcement Act of 2006, Monex strictly prohibits conducting any and all business that is engaged in betting or wagering from knowingly accepting payments in connection with the participation of another person in unlawful gambling. Monex does not provide any services to gambling clients including casinos or other gaming institutions, including online gambling-related operations. Monex also strictly prohibits any and all business related to offshore companies, online pharmacies– except for well-known national chains, online adult-related operations, unlicensed alcohol and tobacco companies, outbound telemarketing, escort services, and online payday lenders.

19.15. The Services may contain links to other independent websites operated by an unrelated third party. Such websites are provided solely as a convenience to Client. Monex has no control over the contents of such websites and assumes no responsibility for nor endorses any content included on any such website. Client must exercise its own independent judgment in deciding whether to interact or use a third party’s website. Monex will not be liable for any loss or damage that may arise from Client’s interaction or use of them.

19.16. The Services are accessible via a mobile device. Initiating a transaction through a mobile device may result in the imposition of wireless carrier’s standard charges, data rates, and fees. Your access to the Services using a mobile application may be subject to applicable third-party provider’s terms of service.

Monex Inc. is committed to respecting your privacy and complying with applicable laws and regulations to ensure that the personal information you give us is kept appropriately secure and processed fairly and lawfully.

Monex Inc. is a company incorporated and registered in the United States of America (referred to in this Policy as “we, “us” and “our”). Your personal information will be held and managed by Monex Inc. By visiting and using our website or mobile site (www.monexusa.com) (“Site”) or any application (“Application”) that we make available for interacting with our content and/or services or by contacting our client support team, you acknowledge that you have read this Privacy Policy.

This Privacy Policy covers all personal information about you that we collect, use and otherwise process in connection with your relationship with Monex Inc. as a client or potential client. Monex Inc. will collect and use your personal information as described in this Privacy Policy and as permitted by applicable laws, including in circumstances where: (i) it is necessary to provide or fulfill a service requested by or for you; (ii) you have given us your express consent; or (iii) it is necessary for one or more of the following legitimate interests pursued by Monex Inc.:

• To analyze, profile and monitor client patterns and better understand the interests and preferences of our key client audiences so we can consistently improve our products and services.
• To ensure the proper functioning and security of our services by preventing fraudulent transactions.
• To ensure we continue to comply with applicable laws, for example in maintaining the accuracy of our records.

We have strict procedures and security features in place to make every effort to prevent any unauthorized access to your personal information. All information you provide to us is stored on our secure servers. All payment transactions are fully encrypted using Secure File Transfer Protocol (SFTP) via Virtual Private Network (VPN). Although we do our absolute best to protect your personal data, we cannot guarantee the security of your data during transmission, thus any transmission is at your own risk. We restrict access of your personal information to those employees of Monex who have a legitimate business reason for knowing such information. All of our employees are educated and trained about the importance of confidentiality and privacy of customer information. Physical, electronic and procedural safeguards are in place to comply with all relevant laws and regulations and to protect your personal information from unauthorized access.

Monex Inc. is committed to protecting the privacy of our clients. When users provide any personal information to us, they communicate that they are voluntarily providing Monex Inc. with the information. We may collect and use the following data about you and/or your Beneficiary, which may include non-public personal Information:

• Commercial and/or identification information as needed to comply with our anti-money laundering obligations under applicable law;
• Information that you provide us in the course of using the Service, such as your name, mailing address, email address, and telephone number(s). We may also collect certain sensitive information from you including your bank account number, date of birth, tax identification number, payment reason, and geographical location;
• To facilitate our Service, we request certain third party information from you, such as your Beneficiary, Sender’s or Recipient’s full name, mailing address, email address, and telephone number. We may also collect from you sensitive financial information of a Beneficiary or a Recipient, including bank account and routing numbers;
• Information about your usage of the Service, including your transaction history, how you use the Service to send or receive transactions, and to and for whom you transact with;
• Information that we lawfully obtain from third parties, such as identity verification services, electronic database services, and credit reporting agencies;
• Technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform. We do this for fraud prevention, to improve our Service, and to improve our marketing, analytics, or website functionality;
• Recordings of your communications with our offices, including telephone calls and electronic communications for quality and training purposes; and
• Type of device you use, operating system version, and the device identifier.

In providing the personal data of any individual (other than yourself) to us during your use of our Services, you promise that you have obtained consent from such individual to disclose their personal data to us, as well as consent to our collection, use and disclosure of such personal data, for the purposes set out in this Privacy Policy.

We use your information in the following ways:

• To process your transactions;
• To verify your identity;
• To collect payment for your use of the Service;
• To troubleshoot problems with the Service;
• To comply with applicable federal and state laws, regulations, and rules, such as those relating to the Bank Secrecy Act (BSA) and anti-money laundering requirements;
• To manage our Services and for internal operations, including: troubleshooting, data analysis, testing, research, statistical and survey purposes;
• To detect and prevent fraud and other illegal uses of the Service; and
• To provide you service updates, marketing notices, and promotional offers.

We will retain your account information, as needed to provide you Service, as required by applicable law, to resolve disputes and to enforce our agreements. We abide by strict security standards, but if you wish to cancel your account and stop using our Services, contact us at monexusa.com/contact. We will continue to retain your account information after your account is cancelled as required under applicable law, regulations, and rules.

We do not sell or rent the information we collect to third parties for their promotional purposes unless we receive your permission to do so. Nevertheless, we may share information about you or your Beneficiary (including nonpublic, Personal Information) with:

• Third-party service providers under contract with Monex that help us with our business operations, such as transaction processing, fraud prevention, and marketing. We share your Personal Information with these companies only as necessary to provide you with our Service;
• Analytics and search engine providers that assist us in the improvement and optimization of our site; and
• Law enforcement, government officials or other third parties, but only in connection with a formal request, subpoena, court order, or similar legal procedure; or when we believe in good faith that disclosure is necessary to comply with the law, or suspected illegal activity

We may disclose your personal information to third parties in the following ways:

• To comply with any legal obligation, or in order to protect the rights, property, or safety of Monex, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction;
• To prevent and detect fraud or other illegal activity where we believe it is reasonable and appropriate to do so;
• In response to a subpoena, warrant, court order, or as otherwise required by law;
• To assess financial and credit risk;
• In the event of an acquisition or merger. We shall notify you in the event of such an occurrence and inform you of any choices you may have regarding your personal information by placing a notice on our website; and
• To recover debt or in relation to your insolvency

We do not have a published list of all of the third parties with whom we share your data with, as this would be dependent on your specific use of our Services. However, if you would like further information about whom we have shared your data with, or to be provided with a list specific to you, you can request this by contacting us at monexusa.com/contact.

A cookie is a string of information that a website stores on a visitor’s computer and that the visitor’s browser provides to the website each time the visitor returns. Our Services use cookies to distinguish you from other users. This helps us to provide you with an enhanced user experience and to support us in improving our Services. Cookies may be used to identify visitors, show related content, and to track usage of our website and our online trading platform, Monex Online. You are free to decline the cookies we place if your browser permits, but doing so may interfere with your use of the Service.

In accordance with BSA and FinCEN record keeping requirements, we will keep your information as long as you remain an active client and for 5 years afterwards or otherwise as required for our business operations. We may need to retain certain personal information even once a client account has been closed or deleted to enforce our terms, for fraud prevention, to identify, issue or resolve legal claims and/or for proper record keeping purposes. We may also retain a record of any stated objection to receiving updates, for the purpose of ensuring we can continue to respect your wishes and not contact you further. Your personal information will be deleted or destroyed in a manner that cannot be restored or reproduced (i.e. shredding and electronic wiping). Your data is only accessed internally on an as-needed basis, and it will only be accessed or managed if absolutely necessary.

You may have the right under applicable laws to ask for details of the personal information we hold about you, to amend, limit or delete your personal information, or ask for a copy of the personal information you gave us. You have the right to ask us not to contact you for marketing purposes by unsubscribing, contacting us at monexusa.com/contact. You have the right to correct any personal information we hold on you that is inaccurate or incorrect You have the right to ask us to delete your data when it is no longer necessary, or no longer subject to a legal obligation to which Monex is subject to.

We may amend this policy at any time, and shall notify you by posting a revised version on our Site. Should we make a substantial change to the manner in which we collect, use, or store Personal Information, we shall provide prior notice on our SITE, or by electronic notification.

You can contact us if you have any questions about the way in which your personal information is being collected or used which are not answered by this Privacy Policy. Please contact us by phone +1.202.785.5534, email (hello@monexglobal.com) or on our Site (monexusa.com/contact). If you feel that we have not addressed your questions or concerns adequately, you may make a complaint using the information from our Site at https://monexglobal.com/us/legal/state-contacts

Les présentes conditions, ainsi que tout autre document auquel elles renvoient, constituent un contrat exécutoire entre vous et Monex Canada Inc. (« Nous », « Notre » ou « Nos ») et établissent les conditions d'utilisation selon lesquelles vous pouvez accéder à www.monexcanada.com (« Notre Site ») et l'utiliser. En accédant à Notre Site, vous acceptez les présentes conditions; si vous ne les acceptez pas, n'utilisez pas Notre Site. Nous pouvons modifier ces conditions à tout moment, sans préavis.

Monex Canada Inc. est inscrite à titre d'entreprise de services monétaires auprès du CANAFE (numéro d'inscription ESM M17698932).

L'accès à Notre Site est gratuit et fourni « en l'état » et « selon la disponibilité ». Pour les Canadiens, l'utilisation de Notre Site est limitée aux personnes pouvant légalement conclure des contrats en vertu de la loi applicable. Vous devez avoir au moins l'âge de la majorité dans la province ou le territoire canadien où vous résidez.

Tout le contenu de Notre Site, ainsi que les droits d'auteur et les autres droits de propriété intellectuelle s'y rapportant, Nous appartiennent ou Nous ont été concédés sous licence et sont protégés par les lois canadiennes, britanniques et internationales applicables en matière de propriété intellectuelle. Vous ne pouvez pas reproduire, copier, distribuer, vendre, louer, sous-licencier, stocker ou réutiliser de toute autre manière le contenu de Notre Site sans Notre autorisation écrite expresse.

Vous pouvez créer un lien vers Notre Site à condition de le faire de manière équitable et légale, de ne pas nuire à Notre réputation ni en tirer avantage, et de ne suggérer aucune forme d'association, d'approbation ou de recommandation de Notre part lorsqu'il n'en existe aucune.

Les informations présentées sur Notre Site le sont à titre d'information générale uniquement et ne constituent pas un conseil financier, de placement ou autre conseil professionnel. Nous ne garantissons pas que Notre Site répondra à vos besoins, sera adapté à un usage particulier, sera compatible avec tous les systèmes ou sera exempt d'erreurs ou de virus.

Dans toute la mesure permise par la loi, Nous déclinons toute responsabilité à l'égard de tout dommage direct, indirect ou consécutif découlant de ou lié à l'utilisation de Notre Site ou à la confiance accordée à son contenu.

Les présentes conditions et tout différend en découlant sont régis par les lois de la province de l'Ontario et les lois fédérales du Canada qui y sont applicables.

Monex Canada Inc. s'engage à protéger vos renseignements personnels conformément à la Loi sur la protection des renseignements personnels et les documents électroniques (LPRPDE) et aux autres lois canadiennes applicables en matière de protection des renseignements personnels. La présente politique explique comment nous recueillons, utilisons, communiquons et protégeons les renseignements personnels.

Nous recueillons les renseignements personnels nécessaires pour fournir nos services, nous conformer aux exigences légales et réglementaires et améliorer nos activités. Cela peut inclure vos données d'identification, vos coordonnées, des données financières, l'historique de vos opérations et les renseignements collectés automatiquement lorsque vous utilisez notre site Web.

Nous utilisons vos renseignements pour fournir et administrer nos services, vérifier votre identité, respecter nos obligations en matière de lutte contre le blanchiment d'argent et autres obligations réglementaires, prévenir la fraude, communiquer avec vous et améliorer nos produits et services.

Nous pouvons communiquer vos renseignements personnels aux autorités de réglementation, aux forces de l'ordre, à nos prestataires de services, à nos sociétés affiliées et à d'autres tiers lorsque la loi l'exige ou le permet, ou avec votre consentement. Nous exigeons que nos prestataires de services protègent vos renseignements conformément aux lois applicables.

Vous avez le droit d'accéder à vos renseignements personnels, d'en demander la correction, de retirer votre consentement (sous réserve des restrictions légales et contractuelles) et de déposer une plainte concernant nos pratiques en matière de protection des renseignements personnels. Pour exercer ces droits, communiquez avec notre responsable de la protection des renseignements personnels au moyen des coordonnées publiées sur notre site Web.

Nous conservons vos renseignements personnels uniquement pendant la durée nécessaire aux fins pour lesquelles ils ont été recueillis ou comme l'exige la loi. Nous maintenons des mesures de protection physiques, techniques et administratives destinées à protéger les renseignements personnels contre la perte, le vol et l'accès non autorisé.

Les témoins (ou cookies) sont de petits fichiers texte placés sur votre appareil lorsque vous visitez un site Web. Ils sont largement utilisés pour assurer le bon fonctionnement des sites Web et pour fournir de l'information à l'exploitant du site.

Nous utilisons des témoins strictement nécessaires pour activer les fonctionnalités essentielles du site, des témoins de performance pour comprendre la façon dont les visiteurs interagissent avec Notre Site, des témoins fonctionnels pour mémoriser vos préférences, ainsi que des témoins de marketing pour proposer des contenus pertinents. Certains témoins sont déposés par des services tiers présents sur nos pages.

Vous pouvez contrôler et supprimer les témoins à tout moment au moyen des paramètres de votre navigateur. Veuillez noter que la désactivation des témoins peut affecter le fonctionnement de Notre Site. Pour en savoir plus sur la gestion des témoins, consultez la documentation d'aide de votre navigateur.

Monex Canada Inc. s'engage à traiter tous ses clients équitablement et à gérer les plaintes rapidement, en toute transparence et avec professionnalisme. Nous accordons une grande valeur aux commentaires de nos clients et considérons chaque plainte comme une occasion d'améliorer notre service.

Si vous avez une plainte, veuillez d'abord communiquer avec votre chargé de clientèle ou avec nous directement par courriel, par téléphone ou par l'intermédiaire de notre site Web. Veuillez nous fournir votre nom, vos coordonnées, vos renseignements de compte (le cas échéant) ainsi qu'une description claire du problème et tout document pertinent.

Nous accuserons réception de votre plainte dans les meilleurs délais, enquêterons sur la question de manière approfondie et impartiale, et vous tiendrons informé de l'avancement du dossier. Nous visons à fournir une réponse écrite complète dans un délai raisonnable, généralement au plus tard 90 jours après la réception de la plainte.

Si vous n'êtes pas satisfait de notre réponse finale ou si votre plainte n'a pas été résolue dans le délai prévu, vous pourriez avoir le droit de soumettre le dossier à l'Ombudsman des services bancaires et d'investissement (OSBI) ou, pour certaines questions, à l'Agence de la consommation en matière financière du Canada (ACFC). Leurs coordonnées sont disponibles sur leurs sites Web respectifs.

Nos Conditions générales du client régissent la relation contractuelle entre Monex Canada Inc. et nos clients d'entreprise. Elles portent sur l'ouverture de compte, la catégorisation des clients, le traitement des ordres, le règlement, les frais, les mises en garde relatives aux risques, la protection des données et le règlement des différends.

Veuillez télécharger et examiner le document applicable ci-dessous. En ouvrant un compte ou en nous donnant instruction d'exécuter une opération en votre nom, vous acceptez d'être lié par les conditions générales pertinentes.

Los presentes términos y condiciones, junto con todos y cada uno de los demás documentos a los que se hace referencia en este documento, establecen las condiciones de uso bajo las cuales puede utilizar este sitio web, [www.monexeurope.eu/memsv] («Nuestro Sitio»). Lea atentamente estos términos y condiciones y asegúrese de entenderlos. Se entiende que, después de la primera vez que use Nuestro Sitio, acepta cumplir y quedar supeditado a estos términos y condiciones. Si no acepta cumplir y estar sujeto a estos términos y condiciones, debe dejar de usar Nuestro Sitio de inmediato.

En esta Política, los siguientes términos tendrán los significados que se indican a continuación:

Por «datos personales» se entenderán todos y cada uno de los datos que se relacionan con una persona identificable que puede ser identificada directa o indirectamente a partir de esos datos. En este caso, se refiere a los datos personales que nos facilita a través de Nuestro Sitio. Esta definición incorporará, en su caso, las definiciones facilitadas en el Reglamento UE 2016/679, el Reglamento General de Protección de Datos (RGPD) y la Ley Orgánica 3/2018 de Protección de Datos Personales y Garantía de los Derechos Digitales.

Por «nosotros/nos/nuestro» hace referencia a Monex Europe Markets S.V., S.A.U., una sociedad constituida en España con el número de sociedad A16789208, cuyo domicilio social es Torre Picasso, Plaza Pablo Ruiz Picasso, 1, 28020 Madrid (España).

2.1 Nuestro Sitio lo gestiona pacwebhosting.uk Ltd, una sociedad limitada constituida en el Reino Unido, cuyo domicilio social es International House, 61 Mosley Street, Mánchester, M2 3HZ (Reino Unido).

2.2 Nuestro Sitio lo mantiene Cogent Design Limited, una sociedad de responsabilidad limitada constituida en Inglaterra con el número de sociedad 03698789, cuyo domicilio social es 6b Parkway, Porters Wood, St Albans, Hertfordshire, AL3 6PA (Reino Unido).

2.3 Nuestro número a efectos de IVA es A16789208.

2.4 Si tiene alguna pregunta relacionada con la protección de datos o el RGPD, envíe un correo electrónico a consultas.memsv@monexeurope.eu, llame por teléfono al +34 911 43 00 20, o póngase en contacto por correo postal en Torre Picasso, Plaza Pablo Ruiz Picasso, 1, 28020 Madrid (España).

2.5 Estamos autorizados y regulados por la Comisión Nacional del Mercado de Valores (CNMV) como empresa de servicios de inversión («Sociedad de Valores») con número de registro oficial 321.

3.1 El acceso a Nuestro Sitio es gratuito.

3.2 Usted es el responsable de llevar a cabo todas y cada una de las gestiones necesarias para acceder a Nuestro Sitio.

3.3 El acceso a Nuestro Sitio se ofrece en base a su condición actual y a su disponibilidad. Podemos alterar, suspender o interrumpir Nuestro Sitio (o partes del mismo) en cualquier momento y sin previo aviso. No asumiremos ninguna responsabilidad ante usted si no puede acceder a Nuestro Sitio (o partes del mismo) en cualquier momento y durante cualquier período.

4.1 Todo el contenido de Nuestro Sitio y los derechos de autor y otros derechos de propiedad intelectual que subsisten en ese contenido, a menos que se indique específicamente lo contrario, nos pertenece a nosotros o se otorga mediante una licencia nuestra. Todo el contenido está protegido por la normativa europea y española aplicable.

4.2 Con arreglo a la subcláusula 4.3, no puede reproducir, copiar, distribuir, vender, alquilar, sublicenciar, almacenar o reutilizar de cualquier otra manera el contenido de Nuestro Sitio a menos que le demos permiso expreso por escrito para hacerlo.

4.3 Usted puede:

• acceder, ver y utilizar Nuestro Sitio en un navegador web (incluida cualquier capacidad de navegación web integrada en otros tipos de software o aplicación);
• descargar Nuestro Sitio (o partes del mismo) para el almacenamiento en caché;
• imprimir páginas de Nuestro Sitio;
• descargar extractos de páginas de Nuestro Sitio; y
• guardar las páginas de Nuestro Sitio para verlas más tarde o sin conexión.

4.4 Nuestra condición de propietario y autor del contenido de Nuestro Sitio (o de los licenciantes identificados, según corresponda) debe ser siempre reconocida.

4.5 No puede utilizar ningún contenido guardado o descargado de Nuestro Sitio con fines comerciales sin obtener primero una licencia por parte nuestra (o de nuestros licenciantes, según corresponda) para hacerlo.

4.6 Ninguna disposición de los presentes términos y condiciones limita o excluye las disposiciones de la legislación pertinente en materia de derechos de autor, diseños y patentes, según corresponda, en particular la realización de copias temporales; investigación y estudio privado; la realización de copias para el análisis de textos y datos para la investigación no comercial; crítica, revisión, citación y reportaje de noticias; caricatura, parodia o pastiche; y la inclusión incidental de material protegido por derechos de autor.

5.1 Puede enlazar a Nuestro Sitio siempre y cuando:

• lo haga de manera justa y legal;
• no lo haga de una manera que sugiera cualquier forma de asociación, respaldo o aprobación por nuestra parte donde no exista ninguna;
• no utilice logotipos ni marcas comerciales que se muestren en Nuestro Sitio sin nuestro permiso expreso por escrito; y
• no lo haga de una manera que esté calculada para dañar nuestra reputación o para aprovecharse injustamente de ella.

5.2 No puede enlazar a ninguna página que no sea la página de inicio de Nuestro Sitio, https://www.monexeurope.eu/memsv. Los enlaces profundos a otras páginas requieren nuestro permiso expreso por escrito.

5.3 No se permite el enmarcado o la incrustación de Nuestro Sitio en otros sitios web sin nuestro permiso expreso por escrito. Póngase en contacto con nosotros en consultas.memsv@monexeurope.eu para obtener más información, indicando «RGPD» o «Protección de datos» en el campo de asunto.

5.4 No puede enlazar Nuestro Sitio desde ningún otro sitio cuyo contenido principal contenga material que:

• sea sexualmente explícito;
• sea obsceno, deliberadamente ofensivo, de odio o provocador;
• incite a la violencia;
• promueva o ayude en cualquier forma de actividad ilícita;
• discrimine o sea de alguna manera difamatorio de cualquier persona, grupo o clase de personas, raza, sexo, religión, nacionalidad, discapacidad, orientación sexual o edad;
• tenga la intención o sea probable que amenace, acose, moleste, alarme, incomode, moleste o avergüence a otra persona;
• esté calculado o sea probable que engañe a otra persona;
• tenga la intención o sea probable que infrinja (o amenace con infringir) la privacidad de otra persona;
• se haga pasar de manera engañosa por cualquier persona o tergiverse la identidad o afiliación de una persona en particular de una manera calculada para engañar;
• implique cualquier forma de afiliación con nosotros que no exista;
• infrinja o ayude a infringir los derechos de propiedad intelectual (como, entre otros, los derechos de autor, las marcas comerciales y los derechos de bases de datos) de cualquier otra parte; o
• incurra en un incumplimiento de obligaciones legales para con terceros, como, entre otras, las obligaciones contractuales y las obligaciones de confidencialidad.

5.5 Las restricciones de contenido de la subcláusula 5.4 no se aplican al contenido enviado a los sitios por otros usuarios, siempre que el propósito principal del sitio esté de acuerdo con las disposiciones de la subcláusula 5.4.

Cabe la posibilidad de que en Nuestro Sitio se incluyan enlaces a otros sitios. Salvo que se indique expresamente, estos sitios no están bajo nuestro control. No asumimos ni aceptamos responsabilidad por el contenido de los sitios de terceros. La inclusión de un enlace a otro sitio en Nuestro Sitio es solo para información y no implica conformidad con los sitios en sí o con quienes los controlan.

7.1 Nada en Nuestro Sitio constituye un consejo en el que deba confiar. Se ofrece únicamente con fines informativos.

7.2 En la medida en que lo permita la legislación, no ofrecemos ninguna declaración ni garantía de que Nuestro Sitio cumpla con sus requisitos, que no infrinja los derechos de terceros, que sea compatible con todo el software y hardware, o que sea seguro.

7.3 Hacemos todos los esfuerzos razonables para garantizar que el contenido de Nuestro Sitio esté completo, sea preciso y esté actualizado. Sin embargo, no ofrecemos ninguna declaración o garantía (ya sea expresa o implícita) de que el contenido sea completo, preciso o actualizado.

8.1 En la medida en que lo permita la legislación, no asumimos ninguna responsabilidad ante ningún usuario por pérdidas o daños, ya sean previsibles o de otro tipo, por contrato, agravio (como la negligencia), por incumplimiento de obligaciones legales o de otro tipo, que surja de o esté relacionada con el uso (o la imposibilidad de usar) Nuestro Sitio o el uso o la confianza en cualquier contenido incluido en Nuestro Sitio.

8.2 En la medida en que lo permita la legislación, excluimos todas las declaraciones y garantías (ya sean expresas o implícitas) que puedan aplicarse a Nuestro Sitio o a cualquier contenido incluido en nuestro sitio.

8.3 Si usted es un usuario comercial, no asumimos ninguna responsabilidad por la pérdida de beneficios, ventas, actividad comercial o ingresos; pérdida de oportunidades de negocio, de patrimonio comercial o reputación; pérdida de ahorros anticipados; interrupción de la actividad comercial; o por pérdidas o daños indirectos o consecuentes.

8.4 Ejercemos toda la habilidad y el cuidado razonables para garantizar que nuestro sitio esté libre de virus y otro software malicioso. No asumimos responsabilidades por pérdidas o daños que resulten de un virus u otro software malicioso, un ataque de denegación de servicio distribuido u otro material o evento dañino que pueda afectar negativamente a su hardware, software, datos u otro material que ocurra como resultado del uso de Nuestro Sitio por su parte (como la descarga de cualquier contenido del mismo) o de cualquier otro sitio al que se haga referencia en Nuestro Sitio.

8.5 No asumimos ni aceptamos responsabilidades u obligaciones derivadas de cualquier interrupción o falta de disponibilidad de Nuestro Sitio que resulte de causas externas, como, entre otras, fallos en el equipo ISP, fallos en el equipo host, fallos en la red de comunicaciones, eventos naturales, actos de guerra o restricciones legales y censura.

8.6 Ninguna disposición de los presentes términos y condiciones excluye o limita nuestra responsabilidad por fraude o tergiversación fraudulenta, por muerte o lesiones personales resultantes de negligencia, o por cualquier otra forma de responsabilidad que no pueda ser excluida o restringida por la legislación.

9.1 Actuamos con el grado de pericia y cuidado razonables para garantizar que Nuestro Sitio sea seguro y esté libre de virus y software malicioso.

9.2 Usted es responsable de proteger su hardware, software, datos y otro material de virus, software malicioso y otros riesgos de seguridad en internet.

9.3 No debe introducir deliberadamente virus u otro software malicioso, o cualquier otro material que sea malicioso o tecnológicamente dañino para Nuestro Sitio o a través de él.

9.4 No debe intentar obtener acceso no autorizado a ninguna parte de Nuestro Sitio, al servidor en el que se almacena Nuestro Sitio o a cualquier otro servidor, ordenador o base de datos conectada a Nuestro Sitio.

9.5 No debe atacar Nuestro Sitio mediante un ataque de denegación de servicio, un ataque de denegación de servicio distribuido o por cualquier otro medio.

9.6 Si incumple las disposiciones de las subcláusulas 9.3 a 9.5, puede estar cometiendo un delito penal en virtud de la legislación vigente. Se notificarán todas y cada una de estas infracciones a las autoridades policiales pertinentes y cooperaremos plenamente con ellas revelándoles su identidad. Su derecho a utilizar Nuestro Sitio cesará inmediatamente en caso de dicho incumplimiento.

10.1 Solo puede utilizar Nuestro Sitio de una manera que sea lícita. Específicamente:

• debe asegurarse de cumplir plenamente con todas y cada una de las leyes o regulaciones locales, nacionales o internacionales;
• no debe utilizar Nuestro Sitio de ninguna manera, ni para ningún propósito, que sea ilícito o fraudulento;
• no debe utilizar Nuestro Sitio para enviar, cargar o transmitir de otra forma datos que contengan cualquier forma de virus u otro software malicioso, u otros códigos diseñados para afectar negativamente el hardware, software o datos de cualquier tipo de ordenador; y
• no debe utilizar Nuestro Sitio de ninguna forma, ni para ningún propósito, que tenga la intención de dañar a cualquier persona o personas de cualquier manera.

10.2 Nos reservamos el derecho de suspender o cancelar su acceso a Nuestro Sitio si incumple materialmente las disposiciones de esta cláusula 10 o cualquiera de las demás disposiciones de estos términos y condiciones. Específicamente, podemos tomar una o más de las siguientes acciones:

• suspender, ya sea temporal o permanentemente, su derecho a acceder a Nuestro Sitio;
• emitirle una advertencia por escrito;
• emprender acciones legales contra usted para obtener el reembolso de todos y cada uno de los costes relevantes sobre una base de indemnización que resulten de su incumplimiento;
• emprender otras acciones legales contra usted según corresponda;
• revelar dicha información a las autoridades policiales según sea necesario o según lo consideremos razonablemente necesario; o
• cualquier otra acción que consideremos razonablemente apropiada (y lícita).

10.3 Por la presente, excluimos toda responsabilidad derivada de acciones (entre otras, las establecidas anteriormente) que podamos tomar en respuesta a incumplimientos de estos términos y condiciones.

El uso de Nuestro Sitio también se rige por nuestras políticas de cookies y privacidad, a las que puede acceder en Política de Cookies y Política de Privacidad. Estas políticas se incorporan a los presentes términos y condiciones mediante esta referencia.

12.1 Podemos modificar los presentes términos y condiciones en cualquier momento. Dichos cambios serán vinculantes para usted en el primer uso de Nuestro Sitio después de que se hayan aplicado los cambios. Por lo tanto, le recomendamos que consulte esta página periódicamente.

12.2 En caso de conflicto entre la versión actual de los presentes términos y condiciones y cualquier versión anterior, prevalecerán las disposiciones actuales y vigentes, a menos que se indique expresamente lo contrario.

Para ponerse en contacto con nosotros, envíenos un correo electrónico a consultas.memsv@monexeurope.eu o utilice cualquiera de los métodos facilitados en nuestra página de contacto en https://www.monexeurope.eu/es/contact/.

14.1 Toda la información personal que podamos recopilar se recopilará, utilizará y conservará de conformidad con las disposiciones del RGPD y sus derechos y nuestras obligaciones en virtud de dicho reglamento.

14.2 Podemos utilizar su información personal para responder a cualquier comunicación que nos envíe.

15.1 Los presentes términos y condiciones, así como la relación entre usted y nosotros (ya sea contractual o de otro tipo), se regirán e interpretarán de acuerdo con la legislación de la UE y España.

15.2 Si usted es un consumidor, cualquier disputa relacionada con estos términos y condiciones, la relación entre usted y nosotros, o cualquier asunto que surja de ello o asociado con ello (ya sea contractual o de otro tipo) estará sujeto a la jurisdicción de los tribunales de España, según lo determine su residencia.

15.3 Si usted es una empresa, cualquier disputa relacionada con estos términos y condiciones, la relación entre usted y nosotros, o cualquier asunto que surja de ello o asociado con ello (ya sea contractual o de otro tipo) estará sujeto a la jurisdicción exclusiva de los tribunales de España.

En cumplimiento de lo dispuesto en la Orden ECO/734/2004, de 11 de marzo, sobre los Departamentos y Servicios de Atención al Cliente y el Defensor del Cliente de las entidades financieras (la "Orden"), "Monex Europa, S.L." ("Monex" o la "Sociedad") pone a disposición de sus clientes este apartado con el fin de resumir la información más relevante relativa al tratamiento de quejas y reclamaciones, así como otros aspectos de interés en materia de transparencia y protección del cliente de servicios financieros.

Monex dispone de un departamento de atención al cliente especializado e independiente ("Servicio de Atención al Cliente" o "SAC"), responsable de proteger los derechos e intereses legítimos de los clientes en su relación con la Sociedad, y de atender las quejas y reclamaciones presentadas, directamente o mediante representación, por todas las personas físicas o jurídicas, españolas o extranjeras, que reúnan la condición de cliente de Monex, siempre que dichas quejas y reclamaciones se refieran a sus intereses y derechos legalmente reconocidos, tanto los derivados de contratos como los amparados por la normativa de transparencia y protección del cliente o por las buenas prácticas y usos financieros, en particular el principio de igualdad. El responsable del SAC ha sido debidamente designado por el Consejo de Administración de Monex de conformidad con la normativa aplicable.

Las quejas y reclamaciones presentadas deberán resolverse en el plazo máximo de quince días hábiles desde su recepción por el Servicio de Atención al Cliente. En situaciones excepcionales, cuando por causas ajenas al SAC no sea posible ofrecer respuesta en ese plazo, Monex enviará una respuesta provisional indicando claramente los motivos de la demora y especificando el periodo en que el cliente recibirá la respuesta definitiva. Dicho periodo nunca superará un mes.

Para ser atendido por el Servicio de Atención al Cliente previsto en la Orden, es necesario que el cliente se haya puesto previamente en contacto con la Sociedad a través de los medios habilitados al efecto:

Por correo postal:
Monex Europa SL
Torre Picasso, Plaza Pablo Ruiz Picasso, 1
28020 Madrid
A/A: Servicio de Atención al Cliente

Por correo electrónico: consultas.mesl@monexeurope.eu

La queja o reclamación presentada ante el Servicio de Atención al Cliente deberá contener la siguiente información (en caso contrario, la queja o reclamación podría no ser admitida a trámite):

1. Nombre y apellidos (o razón social) y domicilio del cliente y, en su caso, de la persona que lo represente, con acreditación de dicha representación; y fotocopia del DNI, pasaporte o NIE.
2. Motivo de la queja o reclamación, especificando claramente las cuestiones sobre las que se solicita pronunciamiento.
3. Oficina, departamento o servicio donde se produjeron los hechos objeto de la queja o reclamación.
4. Declaración de que el cliente no tiene conocimiento de que la materia objeto de la queja o reclamación se encuentre siendo sustanciada a través de un procedimiento administrativo, arbitral o judicial.
5. Lugar, fecha y firma.

Junto con este documento, el cliente deberá aportar la documentación acreditativa que obre en su poder y en la que fundamente su queja o reclamación.

Para más información sobre el tratamiento de quejas y reclamaciones, Monex pone a disposición de sus clientes su Reglamento para la Defensa del Cliente de la Sociedad, disponible en el siguiente enlace: https://www.monexeurope.eu/en/mesl/regulatory-disclosures/

Una vez presentada la queja o reclamación ante el Servicio de Atención al Cliente, si la respuesta no hubiera sido satisfactoria o hubiera transcurrido el plazo máximo general de 15 días o el excepcional de un mes para resolver la queja o reclamación desde su presentación, el cliente podrá acudir a los siguientes Servicios de Reclamaciones:

Servicio de Reclamaciones del Supervisor — Departamento de Conducta de Entidades del Banco de España

Servicios de pago y dinero electrónico: si no recibe respuesta en el plazo previsto en el Reglamento o cuando su reclamación no haya sido atendida, puede dirigirse al Servicio de Reclamaciones del Banco de España: Calle Alcalá 48, 28014 Madrid o a través de su página web: clientebancario.bde.es

Antes de acudir a estos Servicios de Reclamaciones, la normativa exige al cliente justificar que ha acudido previamente al Servicio de Atención al Cliente de Monex.

Normativa general de protección del consumidor y condiciones de contratación:

• Real Decreto Legislativo 1/2007, de 16 de noviembre, por el que se aprueba el texto refundido de la Ley General para la Defensa de los Consumidores y Usuarios y otras leyes complementarias.
• Ley 7/1998, de 13 de abril, sobre condiciones generales de la contratación.

Normativa general de protección al consumidor de servicios de pago y dinero electrónico:

• Real Decreto-ley 19/2018, de 23 de noviembre, de servicios de pago y otras medidas urgentes en materia financiera.
• Orden ECE/1263/2019, de 26 de diciembre, sobre transparencia de las condiciones y requisitos de información aplicables a los servicios de pago.
• Orden EHA/2899/2011, de 28 de octubre, de transparencia y protección del cliente de servicios bancarios.

Atención al Cliente y Protección del Consumidor:

• Orden ECO/734/2004, de 11 de marzo, sobre los departamentos y servicios de atención al cliente y el defensor del cliente de las entidades financieras.
• Orden ECC/2502/2012, de 16 de noviembre, por la que se regula el procedimiento de presentación de reclamaciones ante los servicios de reclamaciones del Banco de España, la Comisión Nacional del Mercado de Valores y la Dirección General de Seguros y Fondos de Pensiones.
• Ley 7/2017, de 2 de noviembre, por la que se incorpora al ordenamiento jurídico español la Directiva 2013/11/UE, relativa a la resolución alternativa de litigios en materia de consumo.

Monex Europa S.L. («nosotros», «nuestro» o «nos») puede tratar determinados datos personales sobre usted, en función del alcance de su relación específica con nosotros. Este tratamiento de datos personales está regulado por el Reglamento General de Protección de Datos (2016/679) («RGPD») del Parlamento Europeo y del Consejo de 27 de abril de 2016 relativo a la protección de las personas físicas en lo que respecta al tratamiento de datos personales y a la libre circulación de estos datos, la Directiva de Comercio Electrónico (2000/31/CE) y la Directiva de Privacidad Electrónica (2002/58/CE), que se aplican en toda la Unión Europea, así como cualquier normativa nacional de aplicación, incluyendo, entre otras, la Ley Orgánica 3/2018, de 5 de diciembre, de Protección de Datos Personales y Garantía de los Derechos Digitales, la Ley 34/2002, de 11 de julio, de servicios de la sociedad de la información y de comercio electrónico, y el Real Decreto-Ley 13/2012, de 30 de marzo (en conjunto, «Normativa de Protección de Datos»). Somos responsables del tratamiento de sus datos personales a efectos de dichas leyes.

Para más información sobre las garantías de privacidad, puede ponerse en contacto con el Responsable en:

Dirección: Monex Europa S.L., Torre Picasso, Plaza Pablo Ruiz Picasso, 1, 31 – 28020 Madrid, España
Correo electrónico: gdpr@monexeurope.eu
Delegado de Protección de Datos: RS SERVICIOS JURÍDICOS S.L., Calle Santiago 3, 2ºDcha, 47001 Valladolid – dpo@rsprivacidad.es

La transparencia es uno de nuestros valores fundamentales y concedemos gran importancia a la privacidad de sus datos.

Los usuarios, al marcar las casillas correspondientes e introducir datos en los campos marcados con asterisco (*) en el formulario de contacto o enviados a través de formularios de descarga, consienten expresa y libremente que sus datos sean necesarios para gestionar su solicitud. Monex Europa S.L. informa de que todos los datos solicitados a través del sitio web son obligatorios, ya que son necesarios para prestar un servicio óptimo.

Esta Política de Privacidad se aplica a las siguientes tres circunstancias:

1. datos personales tratados cuando visita y utiliza nuestro sitio web;
2. cualquier persona física que haya sido contactada a través de nuestra estrategia de marketing directo, ya sea por teléfono o por correo electrónico; y
3. datos personales tratados para atender a nuestros clientes potenciales y existentes.

Cumpliremos los principios establecidos en el RGPD, que establece que los datos personales que conservamos sobre usted deben ser:

• utilizados de forma lícita, leal y transparente;
• recogidos únicamente con fines válidos que le hayamos explicado claramente;
• pertinentes para los fines que le hemos comunicado y limitados a lo necesario en relación con dichos fines;
• exactos y mantenidos actualizados;
• conservados únicamente durante el tiempo necesario para los fines que le hemos comunicado, sujeto a los plazos de prescripción impuestos por la ley; y
• conservados de forma segura.

4.1 Datos personales recabados directamente de usted

4.1.1 Sitio web
Cuando visita nuestro sitio web, recogemos datos mínimos, entre los que se incluyen: información sobre su ordenador o dispositivo; datos de registro (página web visitada antes de acceder a nuestro sitio, páginas visitadas, tiempo de permanencia, términos de búsqueda, dirección IP y otros estadísticos); historial de interacción con nuestras páginas web; y otros datos que no le identifican directamente.

4.1.2 Marketing
Recogemos datos personales que nos facilita directamente si responde a nuestras campañas de marketing, como registros de llamadas e intercambios de correo electrónico con nuestro personal.

4.1.3 Clientes
En el proceso de alta, recogemos: nombre completo; dirección de correo electrónico; número de teléfono; domicilio; nacionalidad; fecha de nacimiento; documentos de identificación; y firma. Durante la relación comercial recogemos: actividad de la cuenta, incluyendo instrucciones de pago; comunicaciones con nuestro personal; y uso de portales en línea.

4.2 Datos personales procedentes de otras fuentes

4.2.2 Marketing
Si nos hemos puesto en contacto con usted durante una campaña de marketing, podemos haber recabado datos de terceros a partir de fuentes de acceso público como LinkedIn, Companies House y fuentes de noticias. Puede oponerse a nuestro tratamiento en cualquier momento; consulte el apartado «14. ¿Qué derechos tiene?».

4.2.3 Clientes
Podemos recibir datos sobre usted de otras fuentes, como información crediticia, referencias comerciales, socios empresariales, y comprobaciones legales y de cumplimiento, que añadiremos a los datos que conservamos para verificar la solvencia, detectar posibles actividades fraudulentas, cumplir con obligaciones legales y mejorar nuestro servicio.

4.3 Cookies y tecnologías similares
Las cookies son pequeños archivos de texto que se colocan en su ordenador o dispositivo. Puede consultar nuestra Política de Cookies en: https://www.monexeurope.eu/en/mesl/cookie-policy/.

5.1 Sitio web
Utilizamos sus datos principalmente para interactuar con usted, prestar servicios de asistencia, facilitar la navegación, mejorar nuestro sitio web y productos, y ofrecer contenidos y servicios que puedan ser de su interés.

5.2 Marketing
Recogemos sus datos para comercializar directamente servicios que consideramos legítimamente de su interés. Estos datos se utilizan exclusivamente para comunicarnos con usted. Podemos monitorizar y registrar comunicaciones (correos electrónicos y llamadas telefónicas) con fines de control de calidad, formación, prevención del fraude, obtención de datos estadísticos y cumplimiento normativo.

5.3 Clientes
Recogemos sus datos para el proceso de alta, identificación y gestión de cuentas, envío de notas de contrato, cumplimiento normativo, procesamiento de operaciones y análisis estadístico y de comportamiento. También podemos monitorizar y registrar comunicaciones con los mismos fines indicados anteriormente.

La prestación y el desarrollo de nuestros servicios implican necesariamente la cesión de sus datos a las partes involucradas, intermediarios y, en el caso de transferencias internacionales de dinero, a corresponsales del beneficiario en el país de destino. Podemos compartir su información personal con:

• empresas del grupo Monex;
• contratistas, subcontratistas, socios comerciales, proveedores y prestadores de servicios;
• agencias de referencias crediticias;
• fuerzas y cuerpos de seguridad en relación con investigaciones para prevenir actividades ilícitas;
• representantes legales y consultores; y/o
• proveedores de servicios informáticos (ClaireLogic, DataArt Solutions, Microsoft Exchange, Microsoft Azure).

Sus datos personales nunca se venden y cualquier cesión se realiza conforme a la Normativa de Protección de Datos. Recogemos y utilizamos datos personales para prestar el servicio o producto solicitado, cumplir con obligaciones legales, o sobre la base del interés legítimo del Grupo Monex. Las bases jurídicas del tratamiento incluyen:

• Consentimiento (Art. 6.1.a RGPD): para casos específicos como la marcación de casillas en formularios web.
• Ejecución del contrato (Art. 6.1.b RGPD): para la prestación de servicios, pagos y facturación.
• Interés legítimo (Art. 6.1.f RGPD): para el envío de boletines sobre servicios y noticias profesionales.
• Cumplimiento de leyes y regulaciones extranjeras o resoluciones judiciales.
• El tratamiento de datos en el contexto de solicitudes de empleo se basa en el consentimiento del usuario, que puede retirarse en cualquier momento.

Conservamos los datos personales de acuerdo con nuestra Política de Retención de Datos, durante el tiempo necesario para los fines para los que fueron recogidos. Podemos conservar datos durante períodos más largos cuando sea necesario para cumplir con obligaciones legales, responder a reclamaciones o prevenir el fraude. Los plazos de retención son, en particular:

• Datos disociados: conservados indefinidamente.
• Datos de contacto para marketing: hasta que se retire el consentimiento.
• Datos de clientes: según el servicio prestado; en todo caso, el período mínimo necesario: 4 años más el año en curso (Arts. 66 y ss. Ley General Tributaria); 5 años (Art. 1964 Código Civil); 6 años (Art. 30 Código de Comercio); 10 años en materia de prevención de blanqueo de capitales (Art. 25 Ley 10/2010).
• Datos del formulario de contacto: hasta que su solicitud haya sido atendida satisfactoriamente o hasta que retire su consentimiento.

Almacenamos sus datos personales en un entorno seguro con las medidas técnicas y organizativas adecuadas para prevenir pérdidas, accesos no autorizados o usos indebidos, incluyendo cifrado y otras formas de seguridad. Limitamos el acceso a sus datos a quienes tienen una necesidad empresarial legítima de conocerlos.

Disponemos de procedimientos para gestionar cualquier sospecha de violación de la seguridad de los datos y le notificaremos a usted y a la autoridad de supervisión competente cuando estemos legalmente obligados a hacerlo.

Aunque utilizaremos todos los esfuerzos razonables para proteger sus datos, al usar el sitio web usted reconoce que el uso de internet no es completamente seguro y, por ello, no podemos garantizar la seguridad o integridad de los datos transferidos.

Las transferencias internacionales de datos implican el flujo de datos personales desde España a destinatarios ubicados fuera del Espacio Económico Europeo. Cuando se produzcan dichas transferencias, nos aseguramos de que la entidad receptora disponga de un nivel de protección adecuado mediante garantías como las cláusulas contractuales tipo.

Las transferencias se realizarán de conformidad con una de las siguientes disposiciones: decisión de adecuación de la Comisión Europea (Art. 45 RGPD); o, en ausencia de una decisión de adecuación, cuando la transferencia sea necesaria para la ejecución de un contrato en interés del interesado (Art. 49.1.c RGPD).

Podemos desear enviarle información sobre productos, servicios y nuestra empresa que puedan ser de su interés, por correo postal, correo electrónico o teléfono.

11.1 Clientes: Le preguntaremos si desea recibir mensajes de marketing en la primera ocasión en que nos facilite información de contacto relevante. Si opta por recibirlos, puede darse de baja en cualquier momento (véase «14. ¿Qué derechos tiene?»).

11.2 Clientes potenciales: Puede recibir información de marketing cuando sus datos personales hayan sido recogidos y tratados conforme a los procesos descritos en los apartados 4.1.2, 4.2.2 y 5.2.

Podemos realizar una verificación crediticia para tomar decisiones de crédito y prevenir delitos financieros. Dicha consulta quedará registrada en los ficheros de la agencia de referencias crediticias.

Si facilita información falsa o inexacta y sospechamos de fraude, lo registraremos. Le solicitaremos su consentimiento expreso antes de realizar cualquier consulta crediticia.

El USUARIO garantiza ser mayor de edad y facilitar información veraz y exacta. Se compromete a informar a Monex Europa, S.L. de cualquier cambio en los datos facilitados mediante correo electrónico a gdpr@monexeurope.eu.

El USUARIO se compromete asimismo a mantener la confidencialidad de las contraseñas y códigos de identificación y a notificar inmediatamente cualquier pérdida, robo o acceso no autorizado. Hasta dicha notificación, Monex Europa, S.L. no asume responsabilidad alguna por el uso indebido por parte de terceros no autorizados.

Si el USUARIO facilita datos personales de terceros, garantiza haber obtenido su consentimiento y haberles informado al respecto. El USUARIO es responsable de cualquier consecuencia derivada del incumplimiento de estas obligaciones.

Le informamos de todos sus derechos en materia de protección de datos:

• Derecho de acceso: puede solicitar copias de sus datos personales y conocer cómo los tratamos.
• Derecho de rectificación: puede solicitar la corrección de datos inexactos o la completación de datos incompletos.
• Derecho de supresión: puede solicitar la eliminación de sus datos bajo determinadas condiciones.
• Derecho a la limitación del tratamiento: puede solicitar que restrinjamos el tratamiento de sus datos bajo determinadas condiciones.
• Derecho de oposición: puede oponerse a nuestro tratamiento de sus datos, incluyendo con fines de marketing.
• Derecho a la portabilidad: puede solicitar que transfiramos sus datos a otra organización o directamente a usted bajo determinadas condiciones.

Disponemos de un mes para responder a su solicitud. Puede ejercer estos derechos por correo electrónico a gdpr@monexeurope.eu o por correo postal a Torre Picasso, Plaza Pablo Ruiz Picasso, 1, 31 – 28020 Madrid, España.

Asimismo, tiene derecho a presentar una reclamación ante la Agencia Española de Protección de Datos (AEPD): Calle de Jorge Juan, 6, 28001 Madrid, España.

Esta Política de Privacidad fue publicada el 1 de enero de 2021. La última actualización fue el 3 de marzo de 2026. Podemos actualizar o modificar esta Política periódicamente. Le notificaremos cualquier cambio sustancial por correo electrónico (si ha optado por recibirlos) y/o mediante un aviso en la cabecera del sitio web.

Si tiene alguna pregunta sobre esta Política de Privacidad o sobre los datos personales que conservamos sobre usted, póngase en contacto con nosotros:

Correo electrónico: gdpr@monexeurope.eu
Correo postal: Monex Europa S.L., Torre Picasso, Plaza Pablo Ruiz Picasso, 1, 28020 Madrid, España

Si no está satisfecho con nuestra respuesta, puede ponerse en contacto con la Agencia Española de Protección de Datos (AEPD):

Teléfono: +34 901 100 099
Sitio web: https://www.aepd.es/

De conformidad con la normativa aplicable en materia de protección de datos personales, el RESPONSABLE DEL TRATAMIENTO cumple con las disposiciones del RGPD y la LOPDGDD. Los datos personales se tratan de forma lícita, leal y transparente, en consonancia con los principios del Art. 5 del RGPD.

El RESPONSABLE DEL TRATAMIENTO garantiza que se aplican políticas técnicas y organizativas adecuadas para salvaguardar los derechos y libertades de los usuarios y facilita información suficiente para ejercerlos.

Para más información, contacte con Monex Europa, S.L. en Torre Picasso, Plaza Pablo Ruiz Picasso, 1, 28020 Madrid, España, o por correo electrónico a gdpr@monexeurope.eu.

Monex Europa, S.L., como sujeto obligado, cumple con la Ley 10/2010, de 28 de abril, de prevención del blanqueo de capitales y de la financiación del terrorismo.

En virtud de dicha normativa y de conformidad con el Art. 14 del RGPD, Monex Europa, S.L. ha registrado sus datos personales vinculados a su relación con la empresa para cumplir con el Art. 4 de la Ley 10/2010 (identificación del titular real). Los datos se almacenan en los ficheros de Monex Europa, S.L. (B56461320) exclusivamente para el cumplimiento de las obligaciones en materia de prevención del blanqueo de capitales y se conservarán durante el tiempo legalmente establecido.

De conformidad con el Art. 32 de la Ley 10/2010, no se requiere el consentimiento del interesado para este tratamiento.

Nuestro sitio web utiliza cookies.

Este sitio utiliza cookies. Algunas son «esenciales» para mantener nuestro sitio web seguro y para proporcionar a nuestros usuarios la información solicitada. Otras nos ayudan a mejorar su experiencia en línea y a realizar un seguimiento del rendimiento del sitio web. Al utilizar nuestro sitio web, usted acepta las cookies esenciales, aunque puede optar por no utilizar otras cookies no esenciales si lo desea.

Una «cookie» es un pequeño archivo de texto utilizado en un sitio web para hacer más eficiente la experiencia del usuario.

Este sitio utiliza diferentes tipos de cookies. Algunas son esenciales, mientras que otras nos ayudan a mejorar su experiencia en línea y a realizar un seguimiento del rendimiento del sitio web.

Las cookies «esenciales» necesarias se utilizan para mantener nuestro sitio web seguro y son imprescindibles para proporcionar a nuestros usuarios la información solicitada. Las demás cookies «no esenciales» se utilizan con fines analíticos, para identificar a un usuario cuando regresa a nuestro sitio web y/o pueden ser colocadas por servicios de terceros que aparecen en nuestras páginas. Sin determinadas cookies, no podemos prestar algunos servicios que podría solicitar. Al utilizar nuestro sitio web, usted acepta las cookies «esenciales», aunque puede optar por aceptar o rechazar el uso de otras cookies no esenciales.

Puede cambiar o retirar su consentimiento en cualquier momento desde la Declaración de Cookies de nuestro sitio web.

Obtenga más información sobre quiénes somos, cómo puede contactarnos y cómo tratamos los datos personales en nuestra Política de Privacidad.

Su consentimiento se aplica al siguiente dominio: www.monexeurope.eu

Declaración de cookies actualizada por última vez el 4/3/26 por Cookiebot.

Las cookies «esenciales» necesarias ayudan a que nuestro sitio web sea utilizable al habilitar funciones básicas como la navegación por las páginas y el acceso a áreas seguras del sitio web. Este sitio web no puede funcionar correctamente sin estas cookies.

Las cookies de marketing se utilizan para rastrear a los visitantes en los sitios web. La intención es mostrar anuncios relevantes y atractivos para el usuario individual y, por lo tanto, más valiosos para los editores y anunciantes externos.

Las cookies sin clasificar son cookies que estamos en proceso de clasificar, junto con los proveedores de cookies individuales.

Monex Europa S.L. está autorizada y regulada por el Banco de España como entidad de pago (número de registro 6890). Operamos en estricto cumplimiento de la normativa española y europea aplicable a los servicios de pago y cambio de divisas, incluyendo la Directiva de Servicios de Pago (PSD2) y la normativa MiFID II en lo que resulte de aplicación.

De conformidad con los requisitos regulatorios aplicables, los fondos de los clientes se mantienen separados de los fondos propios de Monex Europa S.L. en cuentas segregadas en entidades de crédito autorizadas. Esta separación garantiza la protección de sus fondos en caso de insolvencia de la entidad.

Los documentos regulatorios de información al cliente están disponibles para su descarga a continuación. Estos documentos contienen información importante sobre nuestros servicios, tarifas, derechos y obligaciones regulatorias.

Los presentes Términos y Condiciones regulan la relación contractual entre usted y Monex Europa S.L. en relación con la prestación de servicios de cambio de divisas y pagos internacionales. Al utilizar nuestros servicios, usted acepta quedar vinculado por estos términos en su versión actualizada. Le recomendamos que lea detenidamente el documento en el idioma de su preferencia antes de contratar nuestros servicios.

Los documentos están disponibles para su descarga en los idiomas siguientes:

En Monex Europa S.L. ("MESL"), estamos comprometidos con la prestación de un servicio excepcional, con el objetivo de ofrecer los mejores resultados a nuestros clientes. Si está insatisfecho con cualquier aspecto de MESL, ya sea con nuestros productos o servicios, o porque considera que el comportamiento recibido no está en línea con nuestros valores y principios, normativa interna o reglamentación aplicable, le animamos a comunicárnoslo para poder atender sus preocupaciones con prontitud y remediar la situación.

Se consideran denunciantes, y por tanto aquellos que pueden presentar denuncias a través del Canal de Denuncias, aquellas personas que tienen una relación con las actividades de la Sociedad, incluyendo: empleados (temporales o permanentes), becarios, solicitantes de empleo, clientes, proveedores, consultores y voluntarios.

Como denunciante, puede informar de forma confidencial y, si lo desea, anónima, de cualquier sospecha y/o comportamiento que pueda ser contrario a nuestros principios y valores recogidos en nuestro Código de Conducta, normativa interna o legislación aplicable.

Puede denunciar a través de los siguientes Canales de Denuncia:

1. Contacte directamente con su gestor de cuenta dedicado por teléfono o correo electrónico.
2. Correo electrónico: canaldedenuncias.mesl@monexeurope.com
3. Por correo postal, a la siguiente dirección:
   A/A: Responsable del Canal Interno de Información
   Torre Picasso. Plaza Pablo Ruiz Picasso 1. 28020, Madrid (España)
4. Formulario en línea: Completar formulario
5. Solicite una reunión presencial o en línea con el Responsable del Sistema Interno de Información.
6. Teléfono: +34 919 032 784

Además de estos canales de comunicación, puede utilizar los canales de comunicación externos disponibles.

Para garantizar una investigación adecuada y eficiente de los hechos, debe proporcionar claramente la siguiente información:

• Lugar de los hechos denunciados;
• Identificación de las personas involucradas en los hechos;
• Descripción de la conducta denunciada;
• Su relación con MESL;
• Adjuntar cualquier documento o archivo que pueda considerarse prueba;
• Cualquier otra información relevante que pueda ayudar en la investigación y resolución de la situación.

Dispondrá en todo momento de las siguientes garantías:

• Podrá realizar denuncias anónimas y dicho anonimato quedará garantizado durante todo el proceso.
• Tanto su identidad como la información compartida durante el proceso serán tratadas con absoluta y estricta confidencialidad.
• El Responsable del Sistema Interno de Información será el destinatario de su comunicación y llevará a cabo la investigación de forma autónoma, objetiva e independiente de la Sociedad y sus demás órganos.
• Siempre que realice la comunicación de buena fe, la Sociedad no tomará ningún tipo de represalia contra el denunciante.
• Será informado del resultado final de la investigación mediante una resolución motivada.

1. Acuse de recibo de la comunicación

• Una vez recibida su comunicación, confirmaremos la recepción en el plazo de 7 días naturales.
• Le indicaremos el tiempo de respuesta previsto, que podrá ser de hasta 3 meses desde la confirmación de recepción, salvo en casos de especial complejidad, en los que el plazo podrá prorrogarse hasta otros 3 meses adicionales.

2. Investigación

• El Responsable del Sistema analizará el caso de forma independiente, objetiva e imparcial para garantizar que se gestiona de manera honesta, razonable y conforme a nuestras obligaciones regulatorias.
• Si el Responsable del Sistema Interno de Información considera necesario obtener alguna aclaración o información adicional para llevar a cabo la investigación, se pondrá en contacto con usted siempre que ello no comprometa la confidencialidad del procedimiento.
• La confidencialidad del procedimiento y su identidad, en el caso de una denuncia no anónima, queda garantizada durante todo el proceso.

3. Respuesta final

Una vez completada la investigación, le enviaremos nuestra respuesta por escrito destacando:

• Los detalles de nuestro análisis
• Los incidentes detectados y las medidas correctoras adoptadas
• Nuestra decisión final

Una vez completado nuestro análisis, le proporcionaremos una respuesta por escrito, explicando nuestros motivos, en un plazo máximo de tres meses desde la fecha de recepción de su comunicación, salvo en casos especialmente complejos que requieran una ampliación del plazo, en cuyo caso podrá prorrogarse un máximo de tres meses adicionales.

Si no recibe acuse de recibo de la comunicación, el plazo comenzará 7 días naturales después de que el informante realice la comunicación.

Además del Canal de Denuncias de la Sociedad, puede utilizar los siguientes canales de comunicación externos, entre otros, para denunciar conductas sospechosas y/o irregulares:

• Autoridad Independiente de Protección al Informante (A.A.I.): https://www.proteccioninformante.gob.es/
• Autoridades u órganos autonómicos correspondientes
• Banco de España: https://sedeelectronica.bde.es/

Para más información sobre nuestro procedimiento del Canal de Denuncias, solicite nuestra Política.

LEY DE SERVICIOS DE LA SOCIEDAD DE LA INFORMACIÓN (LSSI)

Monex Europa, S.L., el responsable del sitio web, en adelante el RESPONSABLE, pone a disposición de los usuarios el presente documento, destinado a cumplir con las obligaciones previstas en la Ley 34/2002, de 11 de julio, de Servicios de la Sociedad de la Información y del Comercio Electrónico (LSSICE), BOE n.º 166, así como a informar a todos los usuarios del sitio web acerca de las condiciones de uso.

Toda persona que acceda a este sitio web adquiere la condición de usuario y, como tal, se compromete a observar y cumplir rigurosamente lo aquí dispuesto, así como cualquier otra disposición legal que resulte de aplicación. Monex Europa, S.L. se reserva el derecho a modificar cualquier tipo de información que pudiera aparecer en el sitio web, sin que exista obligación de preavisar o informar a los usuarios de dichas obligaciones, entendiéndose como suficiente la publicación en el sitio web de Monex Europa, S.L.

Nombre de dominio: www.monexeurope.eu/es/mesl/
Nombre comercial: Monex
Razón social: Monex Europa, S.L.
NIF: B56461320
Domicilio social: Torre Picasso, Plaza Pablo Ruiz Picasso, 1, 28020 Madrid (Madrid)
Teléfono: 34 911430020
Correo electrónico: gdpr@monexeurope.eu

El sitio web, incluyendo sin carácter limitativo su programación, edición, compilación y demás elementos necesarios para su funcionamiento, los diseños, logotipos, textos y/o gráficos, son propiedad del RESPONSABLE o, en su caso, dispone de licencia o autorización expresa por parte de los autores. Todos los contenidos del sitio web se encuentran debidamente protegidos por la normativa de propiedad intelectual e industrial y están registrados en los registros públicos correspondientes.

Con independencia de la finalidad para la que fueran destinados, la reproducción total o parcial, uso, explotación, distribución y comercialización, requiere en todo caso la autorización escrita previa por parte del RESPONSABLE. Cualquier uso no autorizado previamente por parte del RESPONSABLE será considerado un incumplimiento grave de los derechos de propiedad intelectual o industrial del autor.

Los diseños, logotipos, texto y/o gráficos ajenos al RESPONSABLE y que pudieran aparecer en el sitio web, pertenecen a sus respectivos propietarios, siendo ellos responsables de cualquier posible controversia que pudiera suscitarse respecto a los mismos. El RESPONSABLE autoriza expresamente a que terceros puedan redirigir directamente a los contenidos concretos del sitio web, y en todo caso redirigir al sitio web principal de www.monexeurope.eu/es/mesl/.

El RESPONSABLE reconoce a favor de sus titulares los correspondientes derechos de propiedad intelectual e industrial, no implicando su sola mención o aparición en el sitio web la existencia de derechos ni responsabilidad alguna sobre los mismos, como tampoco respaldo, patrocinio o recomendación por parte del mismo.

Para realizar cualquier tipo de observación respecto a posibles incumplimientos de los derechos de propiedad intelectual o industrial, así como sobre cualquier contenido del sitio web, puede hacerlo a través del correo electrónico gdpr@monexeurope.eu.

El RESPONSABLE se exime de cualquier tipo de responsabilidad derivada de la información publicada en su sitio web siempre que esta información haya sido manipulada o introducida por un tercero ajeno al mismo o, en caso de haberlo conocido, haya actuado con diligencia para retirar los datos o hacer imposible el acceso a ellos.

Uso de Cookies

Este sitio web utiliza cookies técnicas (pequeños archivos de información que el servidor envía al ordenador de quien accede a la página) para llevar a cabo determinadas funciones que son consideradas imprescindibles para el correcto funcionamiento y visualización del sitio. En todo caso, las cookies utilizadas tienen carácter temporal con la única finalidad de hacer más eficaz su transmisión ulterior y desaparecen al terminar la sesión del usuario. En ningún caso se utilizarán las cookies para recoger información de carácter personal.

Utilizando las cookies es posible también que el servidor donde se encuentra la web reconozca el navegador utilizado por el usuario con la finalidad de que la navegación sea más sencilla, permitiendo, por ejemplo, el acceso de los usuarios que se hayan registrado previamente a las áreas, servicios, promociones o concursos reservados exclusivamente a ellos sin tener que registrarse en cada visita. También se pueden utilizar para medir la audiencia, parámetros de tráfico, controlar el progreso y número de entradas, etc. En estos casos, las cookies utilizadas son técnicamente no esenciales pero beneficiosas para el usuario.

Este sitio web no instalará cookies no esenciales sin el previo consentimiento del usuario.

Este sitio web utiliza cookies propias y de terceros con fines analíticos y para mostrar publicidad personalizada en función de un perfil elaborado a partir de sus hábitos de navegación (por ejemplo, páginas visitadas). A todos los usuarios que visitan el sitio web se les informa del uso de estas cookies mediante un banner flotante. Si se acepta su uso, el banner desaparecerá, aunque siempre podrá revocar el consentimiento y obtener más información consultando nuestra Política de Cookies.

El navegador puede ser configurado por el usuario para que le avise de la recepción de cookies y para impedir su instalación en el equipo. Para más información, por favor, consulte las instrucciones de su navegador.

Política de enlaces

El usuario del presente sitio web puede ser redirigido a contenidos de sitios web de terceros. Dado que el RESPONSABLE no puede controlar siempre los contenidos introducidos por los terceros en sus respectivos sitios web, no asume ningún tipo de responsabilidad respecto de dichos contenidos. En todo caso, el RESPONSABLE procederá a la retirada inmediata de cualquier contenido que pudiera contravenir la legislación nacional o internacional, la moral o el orden público, procediendo a la retirada inmediata de la redirección a dicho sitio web, poniendo en conocimiento de las autoridades competentes el contenido en cuestión.

El RESPONSABLE no se responsabilizará de la información y contenidos almacenados, a título enunciativo pero no limitativo, en foros, chats, generadores de blogs, comentarios, redes sociales o cualesquier otro medio que permita a terceros publicar contenidos de forma independiente en la página web del RESPONSABLE. No obstante, y en cumplimiento de lo dispuesto en los artículos 11 y 16 de la LSSICE, se pone a disposición de todos los usuarios, autoridades y fuerzas de seguridad, colaborando de forma activa en la retirada o, en su caso, bloqueo de todos aquellos contenidos que pudieran afectar o contravenir la legislación nacional o internacional, los derechos de terceros o la moral y el orden público. En caso de que el usuario considere que existe en el sitio web algún contenido que pudiera ser susceptible de esta clasificación, se ruega lo notifique de forma inmediata al administrador del sitio web.

Este sitio web ha sido revisado y probado para que su funcionamiento sea correcto. En principio, puede garantizarse el correcto funcionamiento 365 días al año, 24 horas al día. Sin embargo, el RESPONSABLE no descarta la posibilidad de que existan ciertos errores de programación, o que acontezcan causas de fuerza mayor, catástrofes naturales, huelgas o circunstancias semejantes que hagan imposible el acceso a la página web.

Direcciones IP

Los servidores del sitio web podrán detectar de manera automática la dirección IP y el nombre de dominio utilizados por el usuario. Una dirección IP es un número asignado automáticamente a un ordenador cuando éste se conecta a Internet. Toda esta información es registrada en un fichero de actividad del servidor debidamente inscrito que permite el posterior procesamiento de los datos con el fin de obtener únicamente mediciones estadísticas que permitan conocer el número de impresiones de páginas, el número de visitas realizadas a los servidores web, el orden de visitas, el punto de acceso, etc.

La legislación española será de aplicación en la resolución de todas las disputas o cuestiones relacionadas con este sitio web o las actividades en él desarrolladas, a la que las partes se someten expresamente, siendo competentes para la resolución de todos los conflictos derivados o relacionados con su uso los Juzgados y Tribunales del domicilio del USUARIO o del lugar de cumplimiento de la obligación.

Los presentes términos y condiciones, junto con todos y cada uno de los demás documentos a los que se hace referencia en este documento, establecen las condiciones de uso bajo las cuales puede utilizar este sitio web, [www.monexeurope.eu/memsv] («Nuestro Sitio»). Lea atentamente estos términos y condiciones y asegúrese de entenderlos. Se entiende que, después de la primera vez que use Nuestro Sitio, acepta cumplir y quedar supeditado a estos términos y condiciones. Si no acepta cumplir y estar sujeto a estos términos y condiciones, debe dejar de usar Nuestro Sitio de inmediato.

Por «datos personales» se entenderán todos y cada uno de los datos que se relacionan con una persona identificable que puede ser identificada directa o indirectamente a partir de esos datos. Esta definición incorporará las definiciones facilitadas en el Reglamento UE 2016/679 (RGPD) y la Ley Orgánica 3/2018 de Protección de Datos Personales y Garantía de los Derechos Digitales. Por «nosotros/nos/nuestro» hace referencia a Monex Europe Markets S.V., S.A.U., una sociedad constituida en España con el número de sociedad A16789208, cuyo domicilio social es Torre Picasso, Plaza Pablo Ruiz Picasso, 1, 28020 Madrid (España).

3.1 Nuestro Sitio lo gestiona pacwebhosting.uk Ltd, sociedad limitada constituida en el Reino Unido, domicilio social en International House, 61 Mosley Street, Mánchester, M2 3HZ.

3.2 Nuestro Sitio lo mantiene Cogent Design Limited, sociedad de responsabilidad limitada constituida en Inglaterra con el número de sociedad 03698789, domicilio social en 6b Parkway, Porters Wood, St Albans, Hertfordshire, AL3 6PA.

3.3 Nuestro número a efectos de IVA es A16789208.

3.4 Consultas sobre protección de datos o RGPD: consultas.memsv@monexeurope.eu / +34 911 43 00 20 / Torre Picasso, Plaza Pablo Ruiz Picasso, 1, 28020 Madrid.

3.5 Estamos autorizados y regulados por la CNMV como empresa de servicios de inversión («Sociedad de Valores») con número de registro oficial 321.

4.1 El acceso a Nuestro Sitio es gratuito.

4.2 Usted es el responsable de llevar a cabo todas y cada una de las gestiones necesarias para acceder a Nuestro Sitio.

4.3 Podremos modificar, suspender o retirar Nuestro Sitio sin previo aviso y no asumimos responsabilidad por la falta de disponibilidad.

Todo el contenido está en propiedad de o licenciado a nosotros. Solo puede ver, descargar (para caché), imprimir y guardar páginas para uso personal y no comercial. El uso comercial requiere permiso escrito explícito. Debe reconocer nuestra titularidad del contenido.

Los enlaces están permitidos siempre que sean legales, justos y no sugieran una relación de patrocinio. Los enlaces profundos y el enmarcado requieren permiso escrito expreso. Están prohibidos los sitios de origen que contengan material sexualmente explícito, contenido ilícito, violencia, discriminación, acoso o engaño.

Los enlaces a terceros no implican respaldo. No asumimos ninguna responsabilidad por el contenido externo.

El contenido se ofrece «únicamente a título informativo general». No se otorgan garantías respecto a su integridad, exactitud, compatibilidad o seguridad, aunque realizamos esfuerzos razonables para mantener la información actualizada.

Excluimos toda responsabilidad por pérdidas derivadas del uso del sitio o de la confianza depositada en su contenido. Los usuarios empresariales quedan expresamente excluidos de reclamar por pérdidas de beneficios, ingresos, fondo de comercio o interrupción de negocio. No asumimos responsabilidad por virus, malware o ataques de denegación de servicio. Las exclusiones no se aplican al fraude, la muerte ni a las lesiones personales causadas por nuestra negligencia.

No debe introducir código malicioso, intentar accesos no autorizados ni realizar ataques de denegación de servicio. Las infracciones pueden constituir delitos y serán comunicadas a las autoridades competentes.

El uso debe cumplir con toda la normativa aplicable. Están prohibidas las actividades ilegales/fraudulentas, la transmisión de malware y los contenidos destinados a causar daño a personas. Las infracciones pueden dar lugar a suspensión, acciones legales o comunicación a las fuerzas del orden.

Regulado por nuestra Política de Cookies y Política de Privacidad, ambas incorporadas por referencia.

Los términos podrán modificarse en cualquier momento. Los cambios serán vinculantes a partir del siguiente uso. Compruébelos periódicamente.

Correo electrónico: consultas.memsv@monexeurope.eu o utilice la página de contacto en https://www.monexeurope.eu/es/contact/.

La información personal se recopila conforme al RGPD. Los datos podrán utilizarse para responder a las comunicaciones de los usuarios.

Regulado por el Derecho de la UE y el Derecho español. Consumidores: tribunales españoles según el lugar de residencia. Empresas: jurisdicción exclusiva de los tribunales españoles.

En cumplimiento de lo establecido en la Orden ECO/734/2004, de 11 de marzo, sobre los Departamentos y Servicios de Atención al Cliente y el Defensor del Cliente de las entidades financieras, Monex Europe Markets S.V., S.A.U. pone a disposición de sus clientes la presente sección con el objeto de resumir la información más relevante relativa a la tramitación de quejas y reclamaciones, y otros aspectos de interés en términos de transparencia y protección del cliente de servicios financieros.

Monex dispone de un servicio especializado y autónomo de atención al cliente (el «Servicio de Atención al Cliente» o «SAC»), encargado de proteger los derechos e intereses legítimos de los clientes en sus relaciones con la Sociedad y tramitar las quejas y reclamaciones presentadas, directamente o mediante representación, por todas las personas físicas o jurídicas, españolas o extranjeras, que reúnan la condición de cliente de Monex.

El titular del SAC ha sido convenientemente designado por el Consejo de Administración de Monex de conformidad con la normativa aplicable. Las quejas y reclamaciones presentadas deben resolverse en un plazo de dos meses a contar a partir de la recepción por el SAC.

Correo postal:
Monex Europe Markets S.V., S.A.U.
Picasso Tower, Plaza Pablo Ruiz Picasso, 1, 28020 Madrid
Attn. Customer Service Department

Correo electrónico: consultas.memsv@monexeurope.eu

La queja o reclamación debe incluir:

• Nombre y apellidos (o razón social) y domicilio del cliente y, en su caso, de la persona que lo represente; fotocopia del D.N.I., pasaporte o N.I.E.
• Motivo de la queja o reclamación, especificando claramente cuáles son las cuestiones sobre las que se solicita un pronunciamiento
• Departamento o servicio donde se hubieran producido los hechos objeto de la queja o reclamación
• Información sobre lo que el cliente considera debería realizar Monex para subsanar o resarcirle del perjuicio ocasionado
• Que el cliente no tiene conocimiento de que la materia objeto de la queja o reclamación está siendo sustanciada a través de procedimiento administrativo, arbitral o judicial
• Lugar, fecha y firma
• Documentos justificativos de la queja o reclamación

Si no está satisfecho con la respuesta del SAC, o transcurridos dos meses sin respuesta, puede contactar con el Servicio de Reclamaciones de la CNMV:

• Web: https://www.cnmv.es/portal/inversor/reclamaciones.aspx
• Madrid: c/Edison, 4, 28006
• Barcelona: c/Bolivia 56 (4ª planta), 08018

Los clientes deben agotar el proceso interno de Monex antes de escalar a la CNMV.

Monex Europe Markets S.V., S.A.U. («nosotros», «nuestro» o «nos») actúa como responsable del tratamiento de datos conforme al RGPD (2016/679) y la normativa española de protección de datos, incluida la Ley Orgánica 3/2018. Este tratamiento de datos personales está regulado por el Reglamento General de Protección de Datos (2016/679), la Directiva sobre el comercio electrónico (2000/31/CE) y la Directiva sobre intimidad en las comunicaciones electrónicas (2002/58/CE), así como la Ley Orgánica 3/2018, de 5 de diciembre, y la Ley 34/2002, de 11 de julio.

Este aviso se aplica a tres contextos:

1. Datos personales tratados cuando visita y utiliza nuestro sitio web
2. Cualquier persona física contactada a través de nuestra estrategia de marketing directo (por teléfono o correo electrónico)
3. Datos personales tratados para dar servicio a nuestros clientes potenciales y existentes

Cumpliremos los principios del RGPD: datos usados de forma lícita, justa y transparente; recogidos solo para fines válidos claramente explicados; pertinentes y limitados a lo necesario; precisos y actualizados; conservados solo durante el tiempo necesario; guardados de forma segura.

4.1 Sitio web: tipo de navegador y configuración; datos de registro (página anterior, páginas visitadas, tiempo, búsquedas, dirección IP, horas y fechas de acceso); historial de interacción con páginas web.

4.2 Comercialización: registro de llamadas e intercambio de correos electrónicos con el personal.

4.3 Clientes (al registro): nombre completo, dirección de correo electrónico, número de teléfono, dirección, nacionalidad, fecha de nacimiento, documentos de identificación y firma. Durante la relación comercial: actividad de la cuenta, instrucciones de pago, comunicaciones con el personal, uso de portales en línea.

4.4 Fuentes externas: datos de LinkedIn, Registro Mercantil y fuentes de noticias para marketing; información de crédito, referencias y controles legales para clientes.

4.5 Cookies: Véase nuestra Política de Cookies por separado.

5.1 Sitio web: interacción, asistencia, navegación, mejora del sitio, contenido de interés.

5.2 Comercialización: comunicación directa de servicios de interés legítimo; supervisión y grabación de correos y llamadas para garantía de calidad, formación, prevención del fraude y cumplimiento legal.

5.3 Clientes: registro; identificación y gestión de cuentas; envío de notas contractuales; cumplimiento normativo; procesamiento de operaciones; análisis estadístico y de comportamiento; garantía de calidad; formación; prevención del fraude.

Los datos podrán compartirse con: empresas del grupo y filiales; contratistas, subcontratistas y proveedores de servicios; agentes de referencia de crédito; organismos de aplicación de la ley; representantes legales y consultores; proveedores de sistemas informáticos (ClaireLogic, DataArt Solutions, Microsoft Exchange, Microsoft Azure). Los datos personales nunca se venden.

El tratamiento se realiza bajo: prestación del servicio/contrato; obligación legal; interés legítimo (marketing, prueba en disputas, cumplimiento normativo, operaciones empresariales); consentimiento (para marketing directo conforme a la Ley 34/2002).

Conservados conforme a la Política de Retención de Datos y el ciclo de vida del contrato. Plazos extendidos para requisitos legales/reglamentarios y prevención del fraude. Los datos se destruyen, borran o anonimizan cuando dejan de ser necesarios.

Almacenamiento cifrado; acceso limitado; obligación de confidencialidad; procedimientos de notificación de violación de datos. La transmisión por Internet no puede garantizar una seguridad completa.

Los datos podrán transferirse fuera del EEE con salvaguardas adecuadas, como las cláusulas contractuales tipo.

Se pregunta a los clientes en el momento del registro. Los destinatarios pueden cancelar su suscripción en cualquier momento.

Las consultas de crédito se registran en las agencias de referencia. El comportamiento de la cuenta personal podrá comunicarse a las agencias. Otras empresas de crédito podrán utilizar los datos para decisiones crediticias, localización de deudores y detección de fraude.

• Derecho de acceso a datos personales
• Derecho de rectificación de datos inexactos o incompletos
• Derecho de supresión bajo ciertas condiciones
• Derecho a limitar el tratamiento
• Derecho a oponerse al tratamiento (incluido el marketing)
• Derecho a la portabilidad de los datos
• Derecho a presentar reclamación ante la AEPD (Agencia Española de Protección de Datos), Calle de Jorge Juan 6, 28001 Madrid

Plazo de respuesta: un mes.

Última actualización: 1 de julio de 2024. Los cambios se notificarán por correo electrónico o aviso en el sitio web.

Correo electrónico: gdpr@monexeurope.eu
Dirección: Torre Picasso, Plaza Pablo Ruiz Picasso 1, 28020 Madrid, España
Delegado de Protección de Datos: RS SERVICIOS JURÍDICOS S.L. — dpo@rsprivacidad.es

Contacte a través de los datos indicados arriba; escale a la AEPD si no está satisfecho (+34 901 100 099 / aepd.es).

Los campos marcados con asterisco (*) son obligatorios. Los demás campos son voluntarios. Todos los datos solicitados son necesarios para una prestación óptima del servicio.

La organización aplica las medidas técnicas y organizativas del RGPD y la LOPDGDD para proteger los derechos y libertades de los usuarios.

Conforme con la Ley 34/2002, de 11 de julio, de servicios de la sociedad de la información y de comercio electrónico (LSSI), en relación con el Reglamento (UE) 2016/679 del Parlamento Europeo y del Consejo, de 27 de abril de 2016, General de Protección de Datos (RGPD) y la Ley Orgánica 3/2018, de 5 de diciembre, de Protección de Datos y Garantía de los Derechos Digitales (LOPDGDD), es obligado obtener el consentimiento expreso del usuario de todas las páginas web que usan cookies prescindibles, antes de que este navegue por ellas.

Nuestro sitio web utiliza cookies. Las cookies de este sitio web se usan para personalizar el contenido y los anuncios, ofrecer funciones de redes sociales y analizar el tráfico. Además, compartimos información sobre el uso que haga del sitio web con nuestros partners de redes sociales, publicidad y análisis web, quienes pueden combinarla con otra información que les haya proporcionado o que hayan recopilado a partir del uso que haya hecho de sus servicios.

Las cookies y otras tecnologías similares tales como local shared objects, flash cookies o píxeles, son herramientas empleadas por los servidores Web para almacenar y recuperar información acerca de sus visitantes, así como para ofrecer un correcto funcionamiento del sitio. Mediante el uso de estos dispositivos se permite al servidor Web recordar algunos datos concernientes al usuario, como sus preferencias para la visualización de las páginas de ese servidor, nombre y contraseña, productos que más le interesan, etc.

Este sitio utiliza diferentes tipos de cookies:

• Cookies necesarias «esenciales»: se utilizan para mantener nuestro sitio web seguro y son necesarias para proporcionar a nuestros usuarios la información solicitada.
• Cookies «no esenciales»: se utilizan para análisis, identifican a un usuario cuando vuelve a nuestro sitio web y/o pueden ser colocadas por servicios de terceros que aparecen en nuestras páginas.

Según la directiva de la UE, las cookies que requieren el consentimiento informado por parte del usuario son las cookies de analítica y las de publicidad y afiliación, quedando exceptuadas las de carácter técnico y las necesarias para el funcionamiento del sitio web o la prestación de servicios expresamente solicitados por el usuario.

Al utilizar nuestro sitio web, usted acepta las cookies «esenciales», aunque puede optar por utilizar o no otras cookies no esenciales.

Los servicios ofrecidos por Monex Europe Markets S.V., S.A.U. son operaciones con instrumentos financieros regulados destinados exclusivamente a «Clientes Profesionales». Las operaciones de cambio de divisas y con derivados sobre divisas pueden suponer un riesgo importante para su capital. Además, es posible que se requieran pagos adicionales de márgenes para mantener las posiciones en el mercado.

La entidad está autorizada y regulada por la CNMV como empresa de servicios de inversión (número de licencia 321). Los contratos de derivados de divisas están sujetos a MiFID II o EMIR y su transposición al Derecho español a través del Real Decreto 4/2015, de 23 de octubre, sobre el Mercado de Valores.

MEMSV es una filial independiente de Monex International Markets plc, que forma parte del grupo de servicios financieros Monex S.A.P.I. de C.V. («Monex»), una institución con grado de inversión.

Los siguientes documentos regulatorios están disponibles para su descarga:

Los servicios de Monex Europe Markets S.V., S.A.U. son instrumentos financieros regulados destinados exclusivamente a «Clientes Profesionales». Las operaciones de cambio de divisas pueden suponer un riesgo importante para su capital. Es posible que se requieran pagos adicionales de márgenes para mantener las posiciones. La entidad está regulada por la CNMV (número de licencia 321) como empresa de servicios de inversión que ejecuta derivados de divisas OTC en régimen de contrapartida, solo ejecución, con clientes profesionales/contrapartes elegibles. Los contratos de derivados de divisas están sujetos a MiFID II o EMIR transpuestos al Derecho español a través del Real Decreto 4/2015.

Los Términos y Condiciones completos están disponibles para su descarga en los documentos siguientes:

Como empresa de servicios de inversión autorizada que opera bajo MiFID II, Monex Europe Markets S.V., S.A.U. está obligada a mantener y divulgar políticas que aborden los posibles conflictos de interés. La entidad está regulada por la CNMV y ejecuta derivados de divisas OTC en régimen de contrapartida, solo ejecución, con clientes profesionales/contrapartes elegibles.

El resumen completo de la Política de Conflicto de Interés está disponible para su descarga:

En Monex Europe Markets S.V., S.A.U. («MEMSV») estamos comprometidos en prestar un servicio excepcional, teniendo como objetivo ofrecer los mejores resultados a nuestros clientes. Si no estás satisfecho con algún aspecto de MEMSV, ya sea con nuestros productos o servicios, o porque entiendas que se han producido comportamientos que no son acordes a nuestros valores y principios, la normativa interna o la regulación aplicable, te animamos a que nos lo comuniques para poder atender tus inquietudes con prontitud y remediar la situación.

Tendrán la consideración de informantes aquellas personas que tengan relación con las actividades de la Sociedad, entre las que se encuentra: empleados (temporales o indefinidos), becarios, postulantes, clientes, proveedores, consultores, voluntarios.

Como informante podrás reportar de forma confidencial, y anónima si lo deseas, cualquier sospecha y/o comportamiento que pueda ser contrario a nuestros principios y valores recogidos en nuestro Código de Conducta, la normativa interna o la legislación aplicable.

• Contacta con tu gestor de cuenta directamente o a través de teléfono o email
• Email: canaldedenuncias.memsv@monexeurope.com
• Correo postal: Att.: Responsable del Canal Interno de Información, Torre Picasso, Plaza Pablo Ruiz Picasso 1, 28020, Madrid (España)
• A través del cuestionario online
• Solicitando una reunión presencial u online con el Responsable del Sistema
• Por teléfono: +34 919 032 784

• Lugar de los hechos que se denuncian
• Identificación de las personas relacionadas con los hechos
• Descripción de la conducta que se denuncia
• Relación que tengas con MEMSV
• Adjuntar documentos o archivos que puedan ser considerados prueba
• Cualquier otra información de interés que puedan ayudar en la investigación y resolución de la situación

• Podrás realizar comunicaciones anónimas, y este anonimato se te garantizará durante todo el proceso
• Tanto tu identidad como la información compartida será tratada con absoluta y estricta confidencialidad
• El Responsable del Sistema realizará la investigación de forma autónoma, objetiva e independiente a la Sociedad
• Siempre que realices la comunicación de buena fe, la Sociedad no tomará ninguna clase de represalias con el informante
• Se te comunicará el resultado final de la investigación mediante una resolución motivada

Acuse de recibo: dentro de los 7 días naturales siguientes a la recepción. Tiempo de respuesta: máximo 3 meses desde la confirmación de recepción, salvo casos de especial complejidad en los que el plazo se podrá extender hasta un máximo de otros 3 meses adicionales. El Responsable del Sistema analizará el caso de forma independiente, objetiva e imparcial.

Enlace a los estatutos sociales disponible para consulta.

La Sociedad cuenta con un Procedimiento de organización interna en donde se identifican todos los órganos de administración y dirección, así como todas las áreas que integran la Sociedad, tanto las internas como las delegadas, así como su composición y responsabilidades. El Procedimiento también establece, de forma clara, adecuada y proporcional al carácter, escala y complejidad de las actividades de la Sociedad, la estructura organizativa, definiendo las líneas de responsabilidad y las funciones y objetivos de cada una de las áreas. Esta estructura organizativa ha sido aprobada por el Consejo de Administración, que es quien supervisa su eficacia, estableciendo las medidas adecuadas para subsanar las deficiencias que detecten.

Organigrama de la estructura jerárquica de la sociedad disponible para consulta.

La gestión del riesgo tiene como principal objetivo prever algo que pueda ocurrir y que llegue a impactar en la consecución de los objetivos de la Sociedad. Sistema de tres niveles:

• Primer nivel: empleados en primera línea de defensa — deben extremar precauciones, ajustarse a los procedimientos, y comunicar inmediatamente cualquier foco de riesgo o incidencia.
• Segundo nivel: unidades de control interno (Departamento de Cumplimiento Normativo, Departamento de Gestión de Riesgos, Unidad de Auditoría Interna) que dependen directamente del Consejo de Administración.
• Tercer nivel: el Consejo de Administración, responsable de establecer y mantener una estructura organizativa adecuada y proporcionada.

Cumplimiento Normativo: actúa con total autonomía e independencia; identifica y supervisa riesgos normativos y regulatorios en todas las áreas; elabora y presenta al Consejo un Plan anual de trabajo, con informes trimestrales y anuales.

Gestión de Riesgos: identifica riesgos operacionales; elabora planes anuales con una matriz de Autoevaluación de Riesgos y Controles para seguimiento y evaluación.

Auditoría Interna: proporciona seguridad razonable sobre el correcto funcionamiento de los sistemas de control interno, procedimientos y políticas; plan anual de auditoría aprobado por el Consejo; resultados documentados en informe anual de auditoría. Función delegada en Aiblu Servicios Profesionales, S.L.

Los detalles sobre la composición del Consejo de Administración, los procedimientos de idoneidad de los miembros del Consejo, el Comité de Riesgos, la Prevención de Conflictos de Interés, la información sobre Solvencia y Remuneración, y la Política de Remuneración completa se encuentran en el Manual de Gobierno Corporativo y Política de Remuneraciones.

Monex Europe Markets S.V., S.A.U., responsable del sitio web, en adelante RESPONSABLE, pone a disposición de los usuarios el presente documento, con el que pretende dar cumplimiento a las obligaciones dispuestas en la Ley 34/2002, de 11 de julio, de Servicios de la Sociedad de la Información y de Comercio Electrónico (LSSICE), BOE N.º 166, así como informar a todos los usuarios del sitio web respecto a cuáles son las condiciones de uso. Toda persona que acceda a este sitio web asume el papel de usuario, comprometiéndose a la observancia y cumplimiento riguroso de las disposiciones aquí dispuestas. Monex Europe Markets S.V., S.A.U. se reserva el derecho de modificar cualquier tipo de información que pudiera aparecer en el sitio web sin obligación de preavisar.

• Nombre de dominio: www.monexeurope.eu/es/memsv/
• Nombre comercial: Monex
• Denominación social: Monex Europe Markets S.V., S.A.U.
• NIF: A16789208
• Domicilio social: Torre Picasso, Plaza Pablo Ruiz Picasso, 1, 28020 Madrid (Madrid)
• Teléfono: +34 919 032 784
• E-mail: gdpr@monexeurope.eu

El sitio web, incluyendo su programación, edición, compilación y demás elementos necesarios para su funcionamiento, los diseños, logotipos, texto y/o gráficos, son propiedad del RESPONSABLE o dispone de licencia o autorización expresa por parte de los autores. La reproducción total o parcial, uso, explotación, distribución y comercialización requiere en todo caso la autorización escrita previa por parte del RESPONSABLE. Los diseños, logotipos, texto y/o gráficos ajenos al RESPONSABLE que pudieran aparecer en el sitio web pertenecen a sus respectivos propietarios. El RESPONSABLE autoriza expresamente a que terceros puedan redirigir directamente a los contenidos concretos del sitio web. Para cualquier observación respecto a incumplimientos de propiedad intelectual o industrial: gdpr@monexeurope.eu.

El RESPONSABLE se exime de cualquier tipo de responsabilidad derivada de la información publicada en su sitio web siempre que no tenga conocimiento efectivo de que esta información haya sido manipulada o introducida por un tercero ajeno al mismo.

Uso de Cookies: Este sitio web puede utilizar cookies técnicas esenciales para el correcto funcionamiento del sitio web. Las cookies no esenciales requieren el consentimiento previo del usuario. El RESPONSABLE utiliza cookies analíticas propias y de terceros, así como publicidad personalizada en función de sus perfiles de navegación.

Política de enlaces: El RESPONSABLE se exime de responsabilidad por el contenido de sitios web de terceros, aunque se compromete a retirar de inmediato cualquier contenido que pudiera contravenir las legislaciones nacionales o internacionales, la moral o el orden público, cuando tenga conocimiento efectivo de ello.

La legislación española será la aplicable a todos los litigios que se deriven del uso de este sitio web. Los tribunales competentes serán los del domicilio del usuario o el lugar en que se cumplan las obligaciones.

Monex Europa S.L. is ervan overtuigd dat alle klanten eerlijk worden behandeld en dat eventuele klachten snel en professioneel worden opgelost.

Deze voorwaarden bepalen uw toegang tot en gebruik van de website van Monex Europa S.L. Door toegang tot deze website te krijgen, gaat u akkoord met deze voorwaarden en alle van toepassing zijnde wetten en regelgeving.

Monex Europa S.L. zet zich in voor de bescherming van uw privacy in overeenstemming met geldende gegevensbeschermingswetgeving in Nederland en de Europese Unie.

Deze website maakt gebruik van cookies om uw surfervaring te verbeteren. Door deze website te gebruiken, gaat u akkoord met ons cookiegebruik in overeenstemming met ons Cookiebeleid.

These terms and conditions, together with any and all other documents referred to herein, set out the terms of use under which you may use this website, www.monfx.com ("Our Site"). Please read these terms and conditions carefully and ensure that you understand them. Your agreement to comply with and be bound by these terms and conditions is deemed to occur upon your first use of Our Site. If you do not agree to comply with and be bound by these terms and conditions, you must stop using Our Site immediately.

In this Policy, the following terms shall have the following meanings:

"personal data" means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via Our Site. This definition shall, where applicable, incorporate the definitions provided in the Personal Data Protection Act ("PDPA"); and

"We/Us/Our" means MonFX Pte. Ltd., a private limited company registered in Singapore with registration number 201611101E, whose trading address is 5 Shenton Way, UIC Building, #10-01, Singapore 068808.

2.1 Our Site is operated by pacwebhosting.uk Ltd, a limited company registered in the United Kingdom, whose registered address is International House, 61 Mosley Street, Manchester, M2 3HZ, United Kingdom.

2.2 Our Site is maintained by Cogent Design Limited, a private limited company registered in England under company number 03698789, whose registered address is 6b Parkway, Porters Wood, St Albans, Hertfordshire, AL3 6PA.

2.3 For any data protection or PDPA-related questions, please email dpo@monfx.com, or contact by post at DPO of MonFX Pte. Ltd., 5 Shenton Way, UIC Building, #10-01, Singapore 068808.

2.4 We are regulated by the Monetary Authority of Singapore as a Major Payment Institution under the Payment Services Act 2019.

3.1 Access to Our Site is free of charge.

3.2 It is your responsibility to make any and all arrangements necessary in order to access Our Site.

3.3 Access to Our Site is provided "as is" and on an "as available" basis. We may alter, suspend or discontinue Our Site (or any part of it) at any time and without notice. We will not be liable to you in any way if Our Site (or any part of it) is unavailable at any time and for any period.

4.1 All content included on Our Site and the copyright and other intellectual property rights subsisting in that content, unless specifically labelled otherwise, belongs to or has been licensed by Us. All Content is protected by applicable Singapore and international intellectual property laws and treaties.

4.2 Subject to sub-Clause 4.3 you may not reproduce, copy, distribute, sell, rent, sub-licence, store, or in any other manner re-use content from Our Site unless given express written permission to do so by Us.

4.3 You may:

• Access, view and use Our Site in a web browser (including any web browsing capability built into other types of software or app);
• Download Our Site (or any part of it) for caching;
• Print pages from Our Site;
• Download extracts from pages on Our Site; and
• Save pages from Our Site for later and/or offline viewing.

4.4 Our status as the owner and author of the content on Our Site (or that of identified licensors, as appropriate) must always be acknowledged.

4.5 You may not use any content saved or downloaded from Our Site for commercial purposes without first obtaining a licence from Us (or our licensors, as appropriate) to do so.

4.6 Nothing in these Terms and Conditions limits or excludes the provisions of Copyright Act (Chapter 63) 'Acts Not Constituting Infringement of Copyright Works', covering in particular the making of temporary copies; research and private study; the making of copies for text and data analysis for non-commercial research; criticism, review, quotation and news reporting; caricature, parody or pastiche; and the incidental inclusion of copyright material.

5.1 You may link to Our Site provided that: you do so in a fair and legal manner; you do not do so in a manner that suggests any form of association, endorsement or approval on Our part where none exists; you do not use any logos or trade marks displayed on Our Site without Our express written permission; and you do not do so in a way that is calculated to damage Our reputation or to take unfair advantage of it.

5.2 You may not link to any page other than the homepage of Our Site, www.monfx.com. Deep-linking to other pages requires Our express written permission.

5.3 Framing or embedding of Our Site on other websites is not permitted without Our express written permission. Please contact Us at dpo@monfx.com for further information.

Links to other sites may be included on Our Site. Unless expressly stated, these sites are not under Our control. We neither assume nor accept responsibility or liability for the content of third party sites. The inclusion of a link to another site on Our Site is for information only and does not imply any endorsement of the sites themselves or of those in control of them.

7.1 Nothing on Our Site constitutes advice on which you should rely. It is provided for general information purposes only.

7.2 Insofar as is permitted by law, We make no representation, warranty, or guarantee that Our Site will meet your requirements, that it will not infringe the rights of third parties, that it will be compatible with all software and hardware, or that it will be secure.

7.3 We make reasonable efforts to ensure that the content on Our Site is complete, accurate, and up-to-date. We do not, however, make any representations, warranties or guarantees (whether express or implied) that the content is complete, accurate, or up-to-date.

8.1 To the fullest extent permissible by law, We accept no liability to any user for any loss or damage, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) Our Site or the use of or reliance upon any content included on Our Site.

8.2 To the fullest extent permissible by law, We exclude all representations, warranties, and guarantees (whether express or implied) that may apply to Our Site or any content included on Our Site.

8.3 If you are a business user, We accept no liability for loss of profits, sales, business or revenue; loss of business opportunity, goodwill or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.

8.4 Nothing in these Terms and Conditions excludes or restricts Our liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be excluded or restricted by law.

9.1 We exercise all reasonable skill and care to ensure that Our Site is secure and free from viruses and other malware.

9.2 You are responsible for protecting your hardware, software, data and other material from viruses, malware, and other internet security risks.

9.3 You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via Our Site.

9.4 You must not attempt to gain unauthorised access to any part of Our Site, the server on which Our Site is stored, or any other server, computer, or database connected to Our Site.

9.5 You must not attack Our Site by means of a denial of service attack, a distributed denial of service attack, or by any other means.

9.6 By breaching the provisions of sub-Clauses 9.3 to 9.5 you may be committing a criminal offence under the Computer Misuse Act (Chapter 50A). Any and all such breaches will be reported to the relevant law enforcement authorities and We will cooperate fully with those authorities by disclosing your identity to them.

10.1 You may only use Our Site in a manner that is lawful. Specifically, you must ensure that you comply fully with any and all local, national or international laws and/or regulations; you must not use Our Site in any way, or for any purpose, that is unlawful or fraudulent; you must not use Our Site to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware; and you must not use Our Site in any way, or for any purpose, that is intended to harm any person or persons in any way.

10.2 We reserve the right to suspend or terminate your access to Our Site if you materially breach the provisions of this Clause or any of the other provisions of these terms and conditions.

Use of Our Site is also governed by Our Cookie and Privacy Policies, available at Cookie Policy and Privacy Policy. These policies are incorporated into these terms and conditions by this reference.

12.1 We may alter these Terms and Conditions at any time. If We do so, details of the changes will be highlighted at the top of this page. Any such changes will become binding on you upon your first use of Our Site after the changes have been implemented.

12.2 In the event of any conflict between the current version of these terms and conditions and any previous version(s), the provisions current and in effect shall prevail unless it is expressly stated otherwise.

To contact Us, please email Us at dpo@monfx.com or use any of the methods provided on Our contact page.

14.1 Any and all personal information that We may collect will be collected, used and held in accordance with the provisions of the PDPA and your rights and Our obligations under that Act.

14.2 We may use your personal information to reply to any communications you send to Us.

15.1 These Terms and Conditions, and the relationship between you and Us (whether contractual or otherwise), shall be governed by and construed in accordance with Singapore law.

15.2 If you are a consumer, any disputes concerning these terms and conditions shall be subject to the jurisdiction of the courts of Singapore, as determined by your residency.

15.3 If you are a business, any disputes shall be subject to the exclusive jurisdiction of the courts of Singapore.

The Monex Group ("we", "our" or "us") comprises multiple legal entities, including but not limited to, MonFX Pte. Ltd. Members of the Monex Group may process certain personal data about you, depending on the scope of your specific relationship with us. Depending on the jurisdiction, processing of personal data is regulated under the Personal Data Protection Act 2012 of Singapore (PDPA), General Data Protection Regulation (2016/679) (the GDPR) and the e-Privacy Directive (2002/58/EC) (collectively referred to as the Data Protection Laws). We are responsible as 'controller' of your personal data for the purposes of those laws.

This Privacy Notice applies to the following three circumstances:

1. personal data processed when you visit and use our website;
2. any natural person that has been contacted through our direct marketing strategy, either via phone or email; and
3. personal data processed to service our potential and existing clients.

We will comply with the principles set out in the Data Protection Laws, which state that the personal data we hold about you must be:

• used lawfully, fairly and in a transparent way;
• collected only for valid purposes that we have clearly explained to you;
• relevant to the purposes we have told you about and limited only to those purposes;
• accurate and kept up to date;
• kept only as long as necessary for the purposes we have told you about; and
• kept securely.

Personal data means any information about an individual from which that person can be identified. It does not include data where your identity has been removed, such as anonymous data.

4.1 Personal data gathered from you

4.1.1 Website — When you visit our website, we acquire minimum personal data: information about your computer or device (browser type and settings); log data (webpage visited before, pages visited, time spent, IP address, access times, etc.); history of interaction with our webpages; and other personal data that does not directly identify you.

4.1.2 Marketing — We collect personal data you provide directly if you respond to our marketing campaigns, including call logs and email exchanges with our staff.

4.1.3 Client — At onboarding we collect: name, email address, telephone number, address, nationality, date of birth, identification documents, and signature. Throughout the business relationship we collect account activity (including payment instructions), communications with our staff, and usage of online portals.

4.2 Personal data from other sources — For marketing we may collect name, date of birth, country of residence, corporate email/telephone, and occupation from third parties via publicly accessible sources including LinkedIn, ACRA BizFile+, and news sources. For clients we may receive credit information, credit references, information from business partners/introducers/service providers, and legal and compliance checks.

4.3 Cookies and similar technologies — See our Cookie Policy.

5.1 Website — to interact with you, provide support services, make it easy to navigate our website, improve our website and products, and offer you content and services of interest. We also use data to comply with legal obligations.

5.2 Marketing — to directly market services that we legitimately believe will be of interest to you. Communications may be monitored and recorded for quality assurance, training, fraud prevention, statistical analysis, and compliance with relevant laws.

5.3 Client — for onboarding, identification and account management, sending contract notes, regulatory record keeping, processing trades, and statistical/behavioural analysis.

We may share your personal information with other group companies, affiliates and third parties to help us process it for the purposes set out in this Privacy Notice, including:

• members of the Monex Group depending on requested products and services;
• contractors, sub-contractors, business partners, introducers, suppliers and service providers;
• credit reference agents in accordance with our credit checking policy;
• law enforcement agencies in connection with investigations to help prevent unlawful activity;
• legal representatives and consultants where expert advice and legal opinions are required; and
• processors that maintain our IT systems.

Your personal data is never sold and any personal data that is shared is in line with the Data Protection Laws. We collect and use personal data to provide you with a service or product that you have requested, to comply with a legal obligation, pursuant to the Monex Group's legitimate interest (as long as these interests are not overridden by your data protection rights), or where you have given consent. Where the Monex Group asks for consent, you are free to withhold or revoke your consent by opting out.

We will keep your personal data in line with our Data Retention Policy. We may need to keep your data longer to comply with legal or regulatory requirements, respond to complaints, or prevent fraud and financial crime. If we are not required to retain the personal data, we will destroy, delete or anonymise it at the point it is no longer required.

We store your personal data in a secure environment. We have appropriate security measures in place, including encryption and other forms of security. We limit access to those with a genuine business need to know. We have procedures in place to deal with any suspected data security breach and will notify you and any applicable regulator where legally required.

Your personal data may be transferred to and stored in locations outside of Singapore. When we do this, we ensure the recipient entity has an appropriate level of protection and that the transfer is lawful through controls such as Standard Contractual Clauses.

We would like to send you information about products, services and our business which may be of interest, by post, email, or telephone.

11.1 Client — We will ask whether you would like us to send you marketing messages on the first occasion that you provide relevant contact information. If you opt in, you can opt out at any time.

11.2 Potential client — Marketing information may be sent based on personal data collected and processed in line with sections 4.1.2, 4.2.2 and 5.2.

We may do a credit check on you to make credit decisions and prevent financial crime. Any such search will be recorded on the files of the credit reference agency. We may also disclose personal data about how you conduct your account to credit reference agencies and your personal data may be linked to records relating to other people living at the same address with whom you are financially linked.

You have the following data protection rights:

• The right to access — request copies of your personal data and how we process it.
• The right to rectification — request correction or completion of inaccurate or incomplete data.
• The right to erasure — request erasure of your personal data, under certain conditions.
• The right to restrict processing — under certain conditions.
• The right to object to processing — if you do not wish to be contacted for the purposes set out in this notice.
• The right to data portability — request transfer of data to another organisation or to you, under certain conditions.

If you make a request, we have one month to respond to you.

This Privacy Notice was published on 1st January 2018. The last update was on 12th July 2021. We may update or amend this Privacy Notice from time to time. You should check this Privacy Notice frequently to ensure you are aware of the most recent version.

If you have any questions about this Privacy Notice or the personal data we hold about you, please contact our Data Protection Officer (DPO):

Email — dpo@monfx.com
Post — DPO of MonFX Pte. Ltd., c/o Monex Europe Limited, 1 Bartholomew Lane, London, EC2N 2AX.

If you have any complaints about this Privacy Notice or the personal data we hold about you, please contact us using the above contact information. If you are unsatisfied by our response you can contact the Personal Data Protection Commission:

Contact number: +65 6377 3131
Website: https://www.pdpc.gov.sg/Complaints-and-Reviews

This website uses cookies to enhance your browsing experience and analyse site traffic. Cookies are small text files placed on your computer or device when you visit our site. By continuing to use our website, you consent to our use of cookies in accordance with this Cookie Policy and our Privacy Policy.

You can manage and control cookies through your browser settings, including blocking or deleting cookies. For more information on the specific cookies used by MonFX Pte. Ltd. and how to adjust your preferences, please contact our Data Protection Officer at dpo@monfx.com.

If you are a client of MonFX Pte Ltd ("MonFX"), you can communicate the nature and details of your complaint to your account manager directly, either by phone or by email. Alternatively, please send all relevant information to customerservice@monfx.com and our Compliance Team will log and respond to your complaint.

Irrespective of complexity, we aim to provide the following during the complaint resolution process:

• Contact Details — in our initial response, we will outline who you can speak to for further information on your complaint and their contact details.
• Summary — after our investigation has taken place, you will be provided with an analysis of what has been reviewed and the subsequent conclusions reached.
• Final Response — a closing statement will be made confirming our position on your complaint. If this has not resolved matters and you are eligible, the complaint can be brought to the Financial Industry Disputes Resolution Centre Ltd ("FIDReC").

We are available during office hours, 9am until 5pm, Monday to Friday (excluding public holidays). You should receive a response to your initial enquiry within 2 business days. If we are unable to respond within 2 business days, we will update you on the status of your complaint until our investigation is complete. For clients of MonFX, we endeavour to investigate your complaint and provide a resolution within 20 business days. If we are unable to resolve your complaint within the given timeframes, we will contact you in writing to explain why and provide an estimate of when we expect to be able to provide a final response.

If you remain dissatisfied with our response, you may be eligible to approach the Financial Industry Disputes Resolution Centre Ltd ("FIDReC") with your case. FIDReC acts as an impartial adjudicator assisting consumers in the resolution of disputes with financial institutions; filing a complaint is free of charge.

FIDReC contact details:
The Financial Industry Disputes Resolution Centre Ltd
36 Robinson Road, #15-01 City House, Singapore 068877
Tel: +65 6327 8878
Email: info@fidrec.com.sg
Website: https://www.fidrec.com.sg/

For general advisory on disputes with a financial institution, see: MoneySense — Resolving a dispute with a financial institution.

The purpose of this document ("Best Execution Policy") is to inform you of how MonFX Pte. Ltd. ("MonFX") will execute trades with its clients. This takes into consideration the MAS Notice [SFA 04-N16] and Guidelines to MAS Notice SFA 04-N16 on Execution of Customers' Orders, in respect of the implementation of written policies and procedures for the following:

• To place or execute clients' orders on the best available terms; and
• To place or execute comparable clients' orders in accordance with the time of receipt of such orders.

This document only applies to clients who are accredited investors dealing in foreign exchange ("FX") over-the-counter derivatives (excluding spot) contracts with MonFX. Best execution is owed to such accredited investors where MonFX executes orders on behalf of clients who place reliance on MonFX to protect their interests in relation to pricing and other elements of the transaction.

Best execution is not owed to institutional investors as defined under the Securities and Futures Act and clients who are not placing reliance on MonFX to protect their interests.

MonFX will determine if clients are placing reliance on MonFX by taking into account the following four considerations:

• Which party initiates the transaction: Where the client initiates the transaction, it is less likely that the client is placing reliance on MonFX. Trade ideas, market communications or indicative prices provided as part of our general business are regarded as purely informational and shall not be deemed to have initiated the transaction.
• Market practice, including the convention of the client to 'shop around' for the best deal: Where market practice for a particular product suggests the client has access to different providers for quotes and has the ability to shop around, it is less likely the client is placing reliance on MonFX.
• Relative levels of transparency within a market: Where pricing information is transparent and reasonably accessible to the client, it is less likely the client is placing legitimate reliance on MonFX.
• Information provided by the firm about its services and any agreement reached with the client: Where any terms of agreement with the client do not suggest an understanding of reliance on MonFX or an agreement to provide best execution.

MonFX has a list of execution venues to execute transactions which we determine as beneficial in providing best execution. These venues will be based on our commercial judgement, consistency and reliability.

Where a duty to achieve best execution applies, MonFX will take account of the following factors when executing a transaction on behalf of the client:

• Price;
• Costs (including fees charged for execution, and clearing and settlement costs);
• Speed of execution — the time it takes to execute the order will depend on the price volatility and liquidity of the market;
• The likelihood of execution and settlement;
• The size and nature of the order; and
• Any other consideration that MonFX deems to be relevant to the execution of the order.

MonFX Pte. Ltd.'s full Client Terms & Conditions for Corporate Clients are set out in the document below. Please download the PDF for the complete, legally binding agreement that governs the business relationship between MonFX and its corporate clients.