Moneytrans is the trading name of MONEYTRANS PAYMENT SERVICES S.A., a Belgian Payment Institution with registration number BE.449.356.557, duly authorised and supervised by the National Bank of Belgium (www.nbb.be) to provide payment services including: international remittance services, the issuing of payment accounts and of payment instruments and the execution of payment account transactions. Our registered offices are located at Boulevard de Waterloo 77/01, 1000 Brussels, Belgium, phone number: + 32 2 227 18 20; Fax: + 32 2 227 18 28; Email: email@example.com. MONEYTRANS PAYMENT SERVICES S.A (hereinafter referred to as « Moneytrans ») is responsible for the development, the operation and the content published on its transactional website (hereinafter referred to as « the website of Moneytrans », « the Moneytrans Website » or « the website »), which can be accessed via the following Internet address: https://www.moneytrans.eu/belgium
Information and services available on the Internet website
The financial information and services available on the Moneytrans website are only intended to be used by individuals aged 18 years or over and who are legally residing -or at least have a payment instrument issued in Belgium (or in one of the other EU countries where the platform is operational). By making use of the products and services provided on the Moneytrans website, the user confirms meeting the aforementioned eligibility criteria of age and of residence -or of territoriality of the means of payment they will use on the website. The information posted on the Moneytrans website is provided without guarantee or liability on the part of MONEYTRANS, except in the case of gross or intentional negligence by MONEYTRANS. It is only valid on the date of its posting on the website and MONEYTRANS cannot guarantee its accuracy, absence of errors, completeness and/or timeliness. The information, simulations and tariffs available on the Internet website are provided exclusively for information purposes and independently of any specific contractual and/or unilateral commitment entered into by MONEYTRANS. They can in no case be considered as a recommendation or a direct offer for the sale and/or purchase of products and services, unless they are accompanied by a purchasing order validated by the website user. Hence, they only from an element of assessment for the website users, who remain free to decide and solely responsible for the use they make of them. MONEYTRANS takes all reasonable measures to provide accurate and up to date information on its website. MONEYTRANS may modify, at any time and without prior notice, products and services made available on its website, or interrupt the access to all or parts of the website, among others in order to update its content.
Registration and Access to the Secured Transactional Area
The website users must provide accurate and truthful information when registering with the website. They shall also be responsible for promptly updating any personal data previously provided to MONEYTRANS, especially in case of changes relating to their address of residence, identity document, phone number and/or email address.
MONEYTRANS may ask at any time to the registered users of its website to provide documents evidencing their identity or their address of residence. When the use of certain online services requires it, the users shall also agree to providing a copy of their identity document and/or of any other document that may be required for the delivery of certain online financial services. The Internet website shall display a message inviting the online customer to upload a digital copy of their identity document or of any other supporting document in their file, as may be necessary.
Each website user may only hold one account with Moneytrans. The means of access to such an account are strictly personal and may in no case be shared with third parties, including with other family or household members.
The use of the Moneytrans website and of the online financial services provided through it is strictly intended for private and legal purposes. In the case where the user wishes to use the online services for business purposes, he/she must immediately inform MONEYTRANS of such an intended purpose, by contacting our Customer Service as set out in Section 11.
- The customer provides incomplete or inaccurate identification data,
- The customer refuses to provide valid identification documents,
- The customer uses the website services for abusive, fraudulent or illegal purposes,
- The customer risks compromising the integrity, the security and/or the reputation of the website.
Account Security and Management
As part of the registration process, the website users will be invited to choose a combination of a username and a password, which will thereafter constitute their personal access codes to the secured transactional area of the website. Such access codes are strictly personal and confidential. The customers are the sole responsible party for their use and they must refrain from disclosing them to any third party. The personal access codes should only be entered on the secured area of the Moneytrans website (section “login” via the following URL: https://www.moneytrans.eu/belgium/en). MONEYTRANS or its employees will never ask its customers to disclose their personal access codes to the website by phone or by e-mail. The customers should disregard and immediately report to MONEYTRANS any situation whereby they are requested to provide their personal access codes via an email or a third-party website. The website users are additionally responsible for ensuring that their access codes are not stored on their browser software or are not recorded in any other way on the hard disk of the personal computer, or on any other device easily accessible by third-parties. Registered website users may ask at any time to modify or to suppress their personal access codes to the Moneytrans website. They shall also immediately inform MONEYTRANS in case they notice an unauthorised use of their access codes, or any other breach in the security of their user account. MONEYTRANS shall endeavour to promptly modify or revoke the personal access codes of a registered user, upon receiving such a request. Until then and except in the case of gross or intentional negligence by MONEYTRANS, the users shall be solely responsible for any direct or indirect damage that may result, for them or for MONEYTRANS or for third-parties, of any use, whether fraudulent or not, made by them or by a third-party, of their personal access codes on the Moneytrans website.
Liability and Legal Disclaimer
Except in the case of gross or intentional negligence on its part, Moneytrans cannot be held liable for any direct or indirect damages incurred by the website user, which would result from the use of the website or from the impossibility to use it, whatever the reason. MONEYTRANS shall thus not be responsible, among others, for any direct or indirect damages caused by: The interruption of the access to the website and/or delays or losses in data transmission caused by disturbances in the communication systems that are not under the control of MONEYTRANS (such as power cuts, interruptions in the phone lines or connection problems caused by the Internet access provider of the user or by a specific software installed on the user’s computer); The unauthorised access and/or fraudulent use of the Internet website using the personal access codes of the user, made possible by a negligence on the part of the user (caused, for instance, by the inadequate protection of the confidentiality of his/her access codes against theft or against the transmission of computer viruses); The fraudulent use of a payment card on the Moneytrans website; The occurrence of any event of force majeure. MONEYTRANS shall in no case be liable, beyond the amount invoiced to the customer on the Internet website, of any direct or indirect damages caused by the delay in the execution or by the partial or non-execution of an order placed for a product or service via the Moneytrans website, regardless of whether such damages were caused by the negligence of its employees or its foreign correspondents or by any other reason. In the case where a product or service ordered online could not be delivered within a reasonable timeframe (3 working days) due to a failure in the service operated by MONEYTRANS, MONEYTRANS shall reimburse the total amount invoiced to the website user at the time of his/her order placed via the Moneytrans website.
Use of the Online Money Transfer Service
International money transfer orders initiated via the Moneytrans website are subject to transaction fees, transaction limits and payment conditions that vary depending on the country of destination of the funds. An exchange rate also applies to money transfer orders paid in a different currency than the Euro in the country of destination of the funds. In such cases, the amount of the transaction will be converted into the applicable foreign currency at the time of initiating the money transfer order via the Moneytrans website, and the exact amount to be received by the beneficiary in the local currency will also be displayed in the order. The website user can enquire about the conditions applicable to a money transfer operation, including the payment modes and the pay-out locations available in the country of destination of the funds, by simulating an order using the calculator available on the website. In addition to the transaction fees, MONEYTRANS may also keep a margin on the exchange rate it applies to money transfer operations initiated via its website. MONEYTRANS also reserves the right to apply more favourable exchange rates to the remittance transactions initiated via its website than those applied to the orders processed at its retail offices and authorised agents. By validating an online money transfer order, the online customer confirms agreeing to the financial and operational conditions applicable to their transaction, as indicated on the website. The user also declare that their personal identification data and those provided about their beneficiary are accurate in all respects. MONEYTRANS reserves the right to request additional information about the website users, or to suspend or cancel a pending transaction for any of the reasons listed in section 4 above. The customers hold the right to cancel a pending money transfer order, provided that the order has not already been paid in the country of destination of the funds. To cancel a pending order, the user must log on to their personal account, locate the relevant order from their transaction history, and request its cancellation via the “cancel” button available on the website. A cancellation request may also be placed by contacting our Customer Service, by e-mail or phone (cf. contact details on Section 11). In the case where the customer requests the cancellation of an order following a failure in the service provided by MONEYTRANS, MONEYTRANS shall reimburse the total amount invoiced to the customer at the time of the online order (transaction fees included), provided that the order has not already been paid abroad. In all other cases and provided again that the pending order has not been paid yet, MONEYTRANS shall reimburse to the customer the amount charged at the time of processing the initial order, minus the transaction fees, which shall remain due to MONEYTRANS.
Use of Payment Account Services
Property and Intellectual Property Rights
MONEYTRANS reserves all property and intellectual property rights on the Moneytrans website itself as well as on all its components, including but not limited to any text, illustration, layout and computer programs published on it or underlying it. The website users benefit from a non-exclusive license to use the Moneytrans website, which only give them the right to access the contents of the Moneytrans website, consult the information posted on it and use the services provided online, in a regular way and solely for private purposes. On the other hand, no property or other intellectual property right is by any means transferred to the website user. Any extraction and/or reuse of all or parts of the contents of the Moneytrans website, in any form or by any means is strictly prohibited without MONEYTRANS’ prior written consent. Similarly, any trade mark, label and logo posted on the Moneytrans website are the exclusive property of MONEYTRANS and cannot be reproduced in any form or manner, without the prior written consent of MONEYTRANS.
Hyperlinks to Third-Party Websites
Moneytrans Contact Details
Any communication relating to the Moneytrans website should be preferably sent by email to: firstname.lastname@example.org. In case the communication relates to a complaint, our Customer Service shall acknowledge its receipt within 24 hours and shall endeavour to reply to it within 14 calendar days. Written requests or documents sent by post should be mailed to: Moneytrans Payment Services S.A., 77/01 Boulevard de Waterloo, 1000 Brussels, Belgium. The website users may also contact our Customer Service by phone, on weekdays from 9 am until 6 pm and on Saturdays, from 10 am until 4 pm, via the following number : +32 2 227 18 20. Any communication containing personal data, questions, comments and/or suggestions, which is addressed to MONEYTRANS shall be considered as non-confidential, subject to the duty of discretion of MONEYTRANS and of the legal rights of privacy of the website users. Pending respect of the same legal provisions, MONEYTRANS shall have the right to reuse, copy, modify or reproduce, in any form, through any means and for any purpose, any communication received from the website users, within up to ten years of their transmission.
Private Data Protection
For more information about the cookies generated by the website of MONEYTRANS and their use, kindly refer to our Policy on Cookie Use.
Customer Due Diligence Requirements
The laws and regulations governing the provision of financial services, and in particular the Belgian law of 18 September 2017 relating to the prevention of money laundering and the financing of terrorism require from financial institutions such as MONEYTRANS to verify the identity of their customers and to ascertain the lawful use of their financial services. MONEYTRANS therefore reserves the right to request from its customers, when indicated, additional documents evidencing their identity, source of funds and/or purpose of operations. MONEYTRANS may also suspend or cancel payment operations in the event where it cannot obtain from its customers evidence needed to meet its legal obligations.
Applicable Law and Competent Authority