Terms of Service & Risk Disclaimer

Last Updated: January 2026

⚠️ IMPORTANT NOTICE

Please read these Terms of Service carefully before using MoveMonies services. By accessing or using our services, you agree to be bound by these terms.

🚨 TRADING RISK DISCLAIMER

HIGH RISK WARNING:

Trading FX (Foreign Exchange), crypto (cryptocurrencies), indices, commodities, and other financial instruments on margin carries a high level of risk and may not be suitable for all investors.

Before engaging in any trading activities, you should carefully consider your financial situation, level of experience, and risk appetite.

The possibility exists that you could sustain a loss of some or all of your initial investment and therefore you should not invest money that you cannot afford to lose.

You should be aware of all the risks associated with foreign exchange and crypto trading, and seek advice from an independent financial advisor if you have any doubts.

Past performance of any trading system or methodology is not necessarily indicative of future results.

SPECIFIC RISKS INCLUDE:

Leverage Risk: High leverage can work against you as well as for you
Market Volatility: Prices can fluctuate rapidly and widely
Liquidity Risk: Some markets may have low liquidity
Crypto Risk: Cryptocurrencies are highly volatile and unregulated in many jurisdictions
Technical Risk: System failures, internet outages, or platform issues

IMPORTANT REMINDERS:

Never trade with borrowed money
Only trade with funds you can afford to lose
Understand the risks before trading
Manage your risk and trade responsibly
Past performance is not indicative of future results
You are solely responsible for your trading decisions

MOVE MONIES DOES NOT:
• Provide trading advice or recommendations
• Guarantee profits or trading success
• Assume any liability for trading losses
• Act as a financial advisor

1. Agreement to Terms

By accessing or using MoveMonies services, applications, or website ("Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not use our Services.

2. Services Description

MoveMonies provides the following services:

Deriv Account Funding: Facilitating deposits to Deriv trading accounts
Withdrawal Processing: Processing withdrawals from Deriv accounts
Currency Exchange: Converting NGN to USD and vice versa at competitive rates
Partnership Programme: Referring users to Deriv's partner programmes
Trading Signals: Providing access to trading signal services

3. User Responsibilities

As a user of our Services, you agree to:

Provide accurate and complete information
Maintain the security of your account credentials
Comply with all applicable laws and regulations
Not use our Services for any illegal or unauthorized purpose
Not attempt to gain unauthorized access to our systems
Not interfere with the proper working of our Services

4. Account Registration and Security

4.1 Registration

To use our Services, you must:

Be at least 18 years old
Provide accurate, current, and complete information
Maintain and update your account information
Accept responsibility for all activities under your account

4.2 Security

You are responsible for:

Maintaining the confidentiality of your password
All activities that occur under your account
Notifying us immediately of any unauthorized use

5. Fees and Rates

5.1 Exchange Rates

Our exchange rates are determined by market conditions and may change without notice. Current rates are always displayed on our platform:

Deposit Rate: Base rate + 2%
Withdrawal Rate: Base rate - 2%

5.2 Service Fees

We may charge service fees for certain transactions. These fees will be clearly communicated before you complete any transaction.

5.3 Payment Terms

All payments must be made in full
We reserve the right to refuse service for any reason
Refunds are processed according to our Refund Policy

6. Transactions and Processing

6.1 Processing Times

We strive to process all transactions quickly. However, processing times may vary due to:

Banking hours and holidays
Payment processor delays
Verification requirements
Volume of transactions

6.2 Transaction Limits

We may impose minimum and maximum transaction limits. These limits are subject to change at any time.

6.3 Rejected Transactions

We reserve the right to reject any transaction for reasons including but not limited to:

Suspicious activity
Incomplete verification
Violation of these Terms
Regulatory restrictions

7. Prohibited Activities

You must not use our Services to:

Engage in money laundering or fraud
Violate any local, state, national, or international law
Infringe upon intellectual property rights
Transmit viruses or harmful code
Harass, abuse, or harm others
Provide false or misleading information
Manipulate prices or engage in market manipulation

8. Intellectual Property

All content on our Services, including text, graphics, logos, images, and software, is owned by MoveMonies or its licensors and is protected by copyright and other intellectual property laws.

9. Limitation of Liability

9.1 Disclaimer of Warranties

Our Services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied.

9.2 Limitation of Damages

To the fullest extent permitted by law, MoveMonies shall not be liable for:

Indirect, incidental, special, or consequential damages
Loss of profits, data, or business opportunities
Trading losses resulting from the use of Deriv platforms
Errors, inaccuracies, or omissions in content
Interruption or cessation of Services

9.3 Maximum Liability

Our total liability shall not exceed the amount of the transaction in question.

10. Indemnification

You agree to indemnify and hold MoveMonies harmless from any claims, damages, losses, liabilities, and expenses arising from:

Your use of our Services
Your violation of these Terms
Your violation of any third-party rights
Your trading activities on Deriv or other platforms

11. Privacy Policy

Your use of our Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. Please review our Privacy Policy at movemonies.com/privacy-policy.

12. Termination

12.1 Termination by You

You may terminate your account at any time by contacting our support team.

12.2 Termination by Us

We reserve the right to suspend or terminate your account if:

You violate these Terms
You engage in fraudulent activity
We are required to do so by law
We discontinue our Services

13. Dispute Resolution

13.1 Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria.

13.2 Arbitration

Any disputes arising from these Terms shall be resolved through binding arbitration in accordance with Nigerian arbitration laws.

14. Deriv Platform Independence

MoveMonies is an independent service provider and is not directly affiliated with, endorsed by, or connected to Deriv (World Mark Ltd). We facilitate funding and withdrawals to Deriv accounts but do not operate the Deriv trading platform.

For Deriv-specific terms and conditions, please visit deriv.com.

15. Amendments and Modifications

We reserve the right to modify these Terms at any time. We will notify users of significant changes via:

Email notification
Website notice
In-app notification

Continued use of Services after changes constitutes acceptance.

16. Severability

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

17. Entire Agreement

These Terms constitute the entire agreement between you and MoveMonies regarding our Services.

18. Contact Information

If you have questions about these Terms, please contact us:

MoveMonies

📧 Email: support@movemonies.com

📱 WhatsApp: +234 813 461 0301

🌐 Website: https://movemonies.com

Contact via WhatsApp

19. Additional Disclosures

19.1 No Investment Advice

Nothing in our Services constitutes investment, financial, trading, or tax advice. You are solely responsible for your trading decisions and should consult with qualified advisors before making any investment decisions.

19.2 No Guarantee of Results

We do not guarantee any specific outcomes, profits, or results from trading. Past performance is not indicative of future results.

19.3 Third-Party Links

Our Services may contain links to third-party websites. We are not responsible for the content or practices of these third-party sites.

ACKNOWLEDGMENT: By using MoveMonies services, you acknowledge that you have read and understood these Terms of Service and the Risk Disclaimer, and you agree to be bound by them. You further acknowledge that you understand the risks involved in trading financial instruments and that you trade at your own risk.