TERMS OF SERVICE About Moolre

Moolre is a product of Moolre Limited, a Registered entity offering Payment Services.   This Website and its related services are owned and operated by Moolre Limited. You acknowledge that any use of this Website and any use of our Services is subject to these Terms of Service. In order to provide our Services (as defined below) through our application- both web based and on device, services, features, software, or website, we need to obtain your express agreement to our Terms of Service("Terms"). You agree to our Terms by registering, installing,accessing, or using our application, services, features, software, or website. Use of certain Services may have further eligibility requirements that will need to be verified prior to you using such Services or from time to time in order to continue your use of the Services.

Our Services
Electronic Money Account
Your Moolre Account
The Moolre Wallet is an electronic money account whichenables you to send and receive electronic payments.Your Moolre Wallet is denominated in MLH pegged to the USDollars at 1 to 1. The electronic money held in your Moolre Wallet does notexpire but it will not earn any interest. You have the right to withdraw funds from your Moolre Walletat any time. However, you may be required to confirm your identity beforehand.There is no minimum withdrawal amount but the funds in your Moolre Wallet. Youcan choose the method of withdrawal when submitting your withdrawal request. The electronic money in your Moolre wallet  belongs to the person or legal entity which isregistered as the Moolre Account holder. No person other than the MoolreAccount holder has any rights in relation to the funds held in a Moolre wallet.You may not assign or transfer your Moolre wallet to a third party or otherwisegrant any third party a legal or equitable interest over it. Certain features of the Services may be limited depending onthe state in which you reside, the date on which you created your wallet orother factors.
Registering your Moolre Wallet and Adding Funds, Sign up Information
In order to use our payment services, you must first register for a Moolre wallet on our Website or through our Mobile App. As part of the signup process you will need to accept these Terms of Use and our Privacy Policy; and you acknowledge and agree that you will be bound by these agreements and policies. If you order additional services, you may be asked to accept additional terms and conditions. You must register for our Services using accurate information. When registering for your Moolre Wallet, you must provide current,complete, and accurate information for all required elements on the registration page. If any of this information changes, it is your obligation to update such information as soon as possible. You agree to receive text messages and phone calls (from us or our third-party providers) with codes to register for our Services.
Number of Wallets
You may register only one (1) Moolre Wallet. If you open additional wallets, we reserve the right to immediately close such additional wallets and transfer any balance to your other Moolre Wallet or return it to the original funding source. You may only register for a Moolre Wallet if it is legal to do so in your country of residence. By opening a Moolre Wallet you represent and warrant to us that your opening of the wallet does not violate any laws or regulations applicable to you. You shall indemnify us against any losses we incur in connection with your breach of this section.
Adding Funds to Moolre Wallet
If you wish to link a payment method including but not limited to debit cards to your Moolre Wallet, you authorize Moolre, directly or through third parties, to make any inquiries we deem necessary to validate your identity and wallet information. This may include requesting further information about you such as your date of birth, email address, physical address,social security number, and bank wallet or card information so that we can confirm your identity.
You may only add payment instruments (such as bank accounts, credit or debit cards) to your Moolre Wallet if you are the named holder of that payment instrument.We take any violation of this requirement very seriously and will treat any attempt to add a payment instrument of which you are not the named holder as a fraudulent act.
Adding Funds to Moolre Wallet
If you wish to link a payment method including but not limited to debit cards to your Moolre Wallet, you authorize Moolre, directly or through third parties, to make any inquiries we deem necessary to validate your identity and wallet information. This may include requesting further information about you such as your date of birth, email address, physical address,social security number, and bank wallet or card information so that we can confirm your identity.
You may only add payment instruments (such as bank accounts, credit or debit cards) to your Moolre Wallet if you are the named holder of that payment instrument.We take any violation of this requirement very seriously and will treat any attempt to add a payment instrument of which you are not the named holder as a fraudulent act.
Maintaining your Moolre Wallet
You must ensure that the information shared with us on opening your Moolre Wallet is always accurate and up to date and we shall not be liable for any loss arising out of your failure to do so. We may ask you at any time to confirm the accuracy of your information or to provide documents or other evidence. We are committed to protecting your personal information and helping you understand exactly how your personal information is being used. You should carefully read our Privacy Policy, as it provides details on how your personal information is collected, stored, protected, and used. By entering into this Agreement, you agree to receive electronic communications and notifications.Printing and mailing correspondence, disclosures, and account statements takes time and money, so we like to handle these matters electronically. It is your responsibility to regularly check the proper functioning of your e-mail account or other methods of communication that you have registered with your Moolre Wallet and to retrieve and read messages relating to your Moolre Wallet promptly. We shall not be liable for any loss arising out of your failure to do so. This Agreement is provided to you and concluded in English.We will also communicate with you in English for all matters related to your use of our Services. Where we have provided you with a translation of the English language version of this Agreement, you agree that the translation is provided for your convenience only and that the English language version of the Agreement will govern your use of the Services. Your transaction history is displayed on your dashboard showing; your wallet funding, payments received, amounts sent or transferred,and withdrawals made.Each transaction is given a unique transaction ID and shown in the transaction history. You should quote this transaction ID when communicating with us about a particular transaction.
Unauthorized Transactions and Errors
If an Unauthorized Transaction (as defined below) or Error(as defined below) occurs through your wallet, and you follow the procedures set forth below, Moolre will reimburse you for the amount of any eligible Unauthorized Transaction and any losses resulting from an Error, subject to the limitations stated below. For purposes of this Section 19, “Unauthorized Transaction”means a transaction that was initiated from your wallet without your authorization and that does not benefit you. For purposes of this Section 19, an“Error” means one of the following:

§ if your bank account, debit card, credit card or other payment method is charged for a deposit, Moolre receives the funds, but it doesn’t show up in your wallet

§ if you complete a withdrawal and the funds are not properly delivered by Moolre to your bank account, debit card or credit card, other payment method

§ if you send a payment and we debit your wallet for an amount in excess of the send amount,

§ if you receive a payment and we do not add the proper amount to your wallet

§ if the transaction records in your Moolre Wallet but do not accurately reflect your transactions

§ there is some other material mathematical or computational error by Moolre.

You should notify us immediately if you believe that;

1.     an Unauthorized Transaction or Error has occurred

2.     your password and/or two-factor authentication access has been compromised

3.     a device on which you have downloaded the Moolre app or which contains an active Moolre session has been stolen or lost, or 4.     you believe there is an Error in your transaction records or wallet history, or you have a question regarding your transaction records or wallet history.

In order for Unauthorized Transactions or Errors to be covered by Moolre, you must notify us within thirty (30) days of such Unauthorized Transaction or Error showing up in your transaction history and/or wallet statement. If you do not notify us within thirty (30) days, then you will not be covered by the protections stated above.The fastest and most efficient way to notify us of an Unauthorized Transaction or Error is to contact Support via email at hello@moolre.com. You can also notify us by phone during our phone support hours by sending a WhatsApp message to +15166410470 or calling us on the same WhatsApp number.
However you choose to notify us, you must include: § the name, email and phone number associated with your Moolre Wallet, § a detailed description of what Unauthorized Transaction or Error you believe occurred, or what information you need in order to determine if an Unauthorized Transaction or Error occurred, and the MLR amount and local currency amount of such Unauthorized Transaction or Error.
Keeping your Moolre Wallet Safe-Privacy and Safety 
You are responsible for maintaining the confidentiality and security of your wallet name, user ID, password, personal identification number(PIN) and mobile unlock codes that you use to access the Services. You are responsible for keeping your email address up to date in your Moolre Wallet profile and for maintaining the confidentiality of your user information. The password you choose must not be easily guessed from information someone might know or gather about you or a password that has a meaning. Do not allow anyone to access your Moolre Wallet or watch you accessing it.

Your Moolre wallet may be suspended or otherwise have its functionality restricted on reasonable grounds relating to the security of the wallet or any of its security features or if we reasonably suspect that an unauthorised or fraudulent use of your Moolre Wallet has occurred or that any of its security features have been compromised you hereby agree that you will not:

§ violate (or assist any other party in violating)any applicable law, statute, ordinance, or regulation; intentionally try to defraud (or assist in the defrauding of) Moolre or other Moolre users

§ provide false, inaccurate, or misleading information

§ take any action that interferes with,intercepts, or expropriates any system, data, or information

§ partake in any transaction involving the proceeds of illegal activity

§ transmit or upload any virus, worm, or other malicious software or program

§ attempt to gain unauthorized access to other Moolre Wallets, the Moolre website, or any related networks or systems

§ use the Services on behalf of any third party or otherwise act as an intermediary between Moolre and any third parties

§ collect any user information from other Moolre users, including, without limitation, email addresses

§ defame, harass, or violate the privacy or intellectual property rights of Moolre or any other Moolre users or

§ upload, display or transmit any messages,photos, videos or other media that contain illegal goods, pornographic,violent, obscene or copyrighted images or materials for use as an avatar, in-connection with a payment or payment request, or otherwise.
Closing Your Moolre Wallet
You may close your Moolre Wallet at any time by contacting Customer Service. We reserve the right to maintain your wallet registration information after you close your wallet for business and regulatory compliance purposes.If you have a balance remaining in a Moolre Wallet which has been suspended or closed, you will be able to recover such funds, unless prohibited by law or a court order or where we have determined that such funds were obtained fraudulently. We may, in our sole and absolute discretion, without liability to you or any third party, refuse to let you open an wallet, suspend your wallet, or terminate your wallet or your use of one or more of the Services. Such actions may be taken as a result of wallet inactivity, failure to respond to customer support requests, failure to positively identify you or your violation of this Terms of Service and Use. Upon termination of this Agreement and your Moolre Wallet,you remain liable for all transactions made while your Moolre Wallet was open.
Adding Funds to Your Moolre Wallet
You can add funds by visiting the Moolre Website or Moolre application on your mobile device, logging into your Moolre Account and following the relevant Add Funds instructions. You may be presented with a number of different Add Funds methods that are available to you, and the payment methods which are available in your country of residence and the amount you want to add.  When you use your bank account, debit card, credit card, or other payment methods to deposit funds, you are requesting an electronic transfer of funds. For bank account transactions, Moolre will make electronic fund transfers from your bank account in the amount you specify. You agree that such requests constitute your authorization to Moolre to make such transfers.Once you have provided your authorization for a transfer, you will not be able to cancel the electronic transfer. By linking a bank account, debit card, credit card other payment method to your account, you authorize Moolre to communicate with your bank or card issuer to provide or obtain any information required by Moolre or your bank or card issuer in connection with providing the Services to you. By providing this information your bank is neither endorsing Moolre nor is it in any way responsible for the Services. You hereby give Moolre the right to resubmit any electronic fund transfer you authorized that is returned for insufficient or uncollected funds. You also authorize us to amend your Moolre Wallet activity to correct such error.  You authorize Moolre to take necessary action to reverse,credit, or debit any payment in connection with any necessary charge backs,reversals, refunds, or adjustments. You agree that you will not receive interest or other earnings on the funds that you hold on deposit with Moolre and that Moolre handles and places in pooled accounts with its financial partners. Inconsideration for your use of Moolre’s product and services, you irrevocably transfer and assign to Moolre any ownership right that you may have in the interest (if any) that may accrue on funds held on your behalf by Moolre in pooled accounts in consideration for the expenses incurred by Moolre in connection with maintaining such accounts. This assignment applies only to interest earned on your funds, and nothing in this Agreement grants Moolre any ownership right to the principal of the funds you maintain as a balance in your Moolre Wallet.
Currency conversion & volatility
When you convert one currency into another currency (such as U.S. Dollars to Euros, U.S. Dollars to British Pounds, MLR to Bitcoin, etc.) by completing a transaction, such currency conversion is completed directly by Moolre. 

You acknowledge that the price or value of any currency may fluctuate and that the conversion rate (the “Conversion Rate”) for converting one currency into another may not be the same Conversion Rate that applies when converting back into that first currency. You will always be shown the applicable Conversion Rate for a transaction prior to consummating the transaction. 

You agree to deliver the agreed upon payment upon confirmation of a deposit, regardless of changes in a currency’s value. The value of currencies (especially bitcoin) can rapidly increase or decrease at any time, so Moolre cannot guarantee the value of any currency. The Services we render do not involve any extension of credit to you, and no credit is extended to you in connection with your use of the Services. 

In the event, you are entitled to a refund or other payment by Moolre, Moolre shall have no liability for any losses resulting from a change in the Conversion Rate that may have occurred since the time of the original transaction. We are not responsible for any processing delays that may result in connection with any deposit, withdrawal, or transaction. The ability to convert from one currency to another is subject to applicable legal and regulatory restrictions as well as the availability of such currency provided by Moolre. 

All funds received into your Moolre Wallet will be delivered in MLR, regardless of what currency the transaction is initiated in. For example,if someone sends you Euros or bitcoin, we will automatically convert such Euros or bitcoin, as applicable, to MLR based upon the current Conversion Rate. We are not responsible for any losses that might be incurred as a result of the Conversion Rate that applies to a given transaction.
Making Payments From Your Moolre Wallet
To make a payment you are required to authorise the payment with your login details and password or Fingerprint Identification.

You will be asked to provide details of the recipient’s telephone number or other means of identification, where applicable, you must take great care to properly type the exact details of who you wish to send money to. We use those details as the unique identifier to determine the intended recipient of the payment which you instruct us to process. Other information you provide along with the recipient’s information like a description of the payment will not affect the payment validity but we shall not be liable for any error you make when entering the recipient’s means of identification.

If the recipient is a registered Moolre user,we will credit the user’s wallet with the funds intended for disbursement

If you make a payment denominated in a currency other than MLR (for example, denominating a send in Euros), Moolre will complete a currency conversion immediately upon you confirming such transaction. If this transaction is subsequently canceled by you (because the recipient has not picked up such payment or otherwise), Moolre will complete a second currency conversion to return such funds to you. Each of these currency conversions will be completed at the then applicable Conversion Rate, which means you may receive less (or more) funds back upon canceling a pending transaction than was originally charged in connection with the initial send.

If at any point your wallet has a negative balance (as a result of a deposit being charged back, rejected, reversed or otherwise), Moolre may deduct amounts you owe from the balance of your wallet from funds you subsequently deposit or receive into your wallet or from any other Moolre Wallet that you hold. If Moolre requests that you complete a deposit in order to resolve a negative balance issue and you fail to do so, you authorize Moolre to initiate a deposit in the amount of such deficiency from your linked bank account or debit card or other payment method.
Transaction limits
Moolre reserves the right to change the deposit, withdrawal,conversion, storage, and velocity limits on your wallet as we deem necessary.We may establish individual or aggregate transaction limits on the size or number of deposits or withdrawals you make during any specified time period.
Decline of Transaction
We may, in our sole discretion, delay deposits or withdrawals if we believe the transaction is suspicious, may involve fraud or misconduct, violates applicable laws, or violates this Terms of Service and Use.
Processing of Transactions
In the event that Moolre is forced to engage a third party to assist with the recovery of any negative balance, overdraft or charge back, you will be charged any fees or expenses that are incurred by Moolre in connection with such recovery efforts, including, but not limited to,collection fees or convenience fees charged by third parties.

Once a transaction has been initiated, it cannot be reversed. Deposits using a bank account, debit card, credit card or other payment methods may be reversed or may be subject to a charge back or related claim.

Except as set forth in this Terms of Service and Use, all payment transactions processed through the Services are non-refundable. You may have additional refund or charge-back rights under your agreement with the recipient of such funds, your bank, or applicable law. You should periodically review statements from your bank, which should reflect all applicable payment transactions made using that payment method. You can also always access the record of your transactions by logging into your Moolre Wallet.
Receiving Funds Into your Moolre Wallet
If you receive funds into your Moolre Wallet, we will send you a notification and the record of it will be stored on your Payment history Dashboard.

If a payment that you receive is later invalidated for any reason, you are responsible to Moolre for the full amount of such payment. This means that if the sender disputes the authorization for transaction or initiates a charge back with their bank or card issuer or payment processor, you may be liable for the full amount of such payment. 

If it is determined that such transaction was un authorized or the charge back is validated by the sender’s bank or card issuer, you authorize Moolre to recover any amounts due to Moolre by deducting such amount from your Moolre Wallet balance. In the event that your Moolre Wallet balance is not sufficient to cover the full amount, you authorize Moolre to reverse any withdrawals or require you to take other steps to reimburse Moolre.

If Moolre is unable to recover the full amount that is owed, Moolre may take additional steps including the initiation of legal actions to recover the full amount, to the extent allowed by applicable law.

Bitcoin, Litecoin & Ether are decentralized currencies that operates on open source software protocols which can be used, modified or adapted by anyone; provided that certain changes require a certain amount of consensus among the parties using and supporting the blockchain. As a result of the decentralized nature of these currencies it is possible that sudden,unexpected or controversial changes (“forks”) can be made to bitcoin, litecoin or ethereum.

It is also possible that such forks result in multiple versions of “bitcoin”, "litecoin", "ethereum" existing simultaneously.

By using Moolre, you acknowledge and agree that:

§ Moolre does not own or control the bitcoin network and is not responsible for any losses you may incur as a result of the functionality or security of the bitcoin, litecoin or ethereum network and

§ Moolre is not responsible for forks or changes to the bitcoin, litecoin or ethereum network, any of which may result insignificant and sudden changes to the value and/or usability of bitcoin, litecoin or ethereum.
Withdrawing Funds From Your Moolre Wallet
You can request a withdrawal of all or part of the fund sheld in your Moolre Wallet at any time. To do this you must log into your Account and select a withdrawal method and enter the amount to be withdrawn.

Withdrawal methods are payment services provided, at least in part, by third party financial institutions (for example, the bank where you hold a bank account). We do not guarantee the availability of any particular withdrawal method and may make changes to or discontinue a particular withdrawal method at any time. Where the withdrawal payment is received by you through the involvement of a payment service provider (such as the bank where you hold a bank account), we shall not be responsible for the withdrawal payment once the withdrawn funds are received by your payment service provider. 

There are withdrawal limits on your Moolre Wallet. Before Adding Funds into your Slydepay Account, you must ensure that your current withdrawal and spending limits meet your withdrawal and spending requirements as we legally cannot allow you to exceed these limits.

If your withdrawal request exceeds the current limit, we may decline your request and instead require you to send us documents verifying your identity and address prior to allowing a withdrawal of funds or to otherwise cooperate with us to verify your identity.

Withdrawals are not subject to any withdrawal fees or currency conversion fees. For the purposes of a withdrawal transaction, Moolre Limited is a payer and not a payment service provider.
You must not make a withdrawal to a bank account or other payment medium; be it a Mobile Money account  if you are not the named holder. We take any violation of this requirement very seriously and will treat any attempt to use a payment instrument of which you are not the named holder as a fraudulent act.

Without prejudice to claiming further damages, if we are required to investigate a withdrawal to a payment instrument that is not in your name, we may charge an administration fee. Moolre shall have full discretion as to the means by which you will receive such funds following our decision to return such funds. We reserve the right to require you to provide further identifying information before processing such withdrawal or transfer requests and to delay or prohibit such withdrawal or transfer if we believe fraudulent or illegal activity has occurred.

You must ensure that the payment details you enter when withdrawing funds are correct and complete. We will not be liable for withdrawn funds being sent to the wrong payment instrument where this is due to you providing incorrect payment details. When withdrawing to a bank account, you must ensure that the account number, sort code, IBAN and/or BIC/SWIFT are correct. If you have withdrawn funds to the wrong payment instrument, you may request that we assist you in reclaiming the funds, however, we will charge you an administration fee for doing so.
If you are unable to login to your Moolre Wallet, you will need to contact Support to process such withdrawal.
Fees
Our Fees are either expressed as a percentage of the transaction or amount being deposited.Fees payable by you will be deducted from your Moolre Wallet and you hereby authorise us to do so. Transaction fees are charged when deposits are made into your wallet.

If you use a Service to which a charge applies, or you initiate a transaction with a Miners Fee via the Services, you will not be able to change your mind once you have confirmed that you wish to proceed with the Service or transaction.
Data Privacy
The processing of your data is governed by our Privacy Policy which can be found on our Website. By accepting these Terms of Service,you also agree to the terms of our Privacy Policy, and every other policy we display on our website.
You should always keep a copy of the Privacy Policy together with these Terms of Service. Moolre will send out emails and notifications of new product features, events, special deals etc. By accepting these Terms of Use, you agree to receive such newsletters on a regular basis. If you do not wish to receive any newsletters from us, you can opt out at any time by unsubscribing to our email and in-app alerts.
You can also opt out of receiving newsletters by contacting Customer Service.

We may amend any portion of this Agreement at any time by posting the revised version of this Agreement with an updated revision date.The changes will become effective, and shall be deemed accepted by you, the first time you use the Services after the initial posting of the revised Terms of
Service and Use and shall apply on a going-forward basis with respect to transactions initiated after the posting date.

In the event that you do not agree with any such modification, your sole and exclusive remedy is to terminate your use of the Services and close your wallet.
You agree that we shall not be liable to you or any third party as a result of any losses suffered by any modification or amendment of this Terms of Service and Use.

If the revised Agreement includes a material change we will provide you with prior notice via our website and/or email before the material change becomes effective. For this purpose, a “material change” means a significant change other than changes that
§ are to your benefit,
§ are required to be made to comply with applicable laws and/or regulations or as otherwise required by one of our regulators,
§ relates to a new product or service made available to you, or to otherwise clarify an existing term

You may not transfer or assign this Terms of Service and Use or any rights or obligations here under, by operation of law or otherwise and any such attempted assignment shall be void. We reserve the right to freely assign this Terms of Service and Use and the rights and obligations of this Terms of Service and Use to any third party at any time without notice or consent.If you object to such transfer or assignment, you may stop using our Services and terminate this Terms of Service and Use by contacting Support and asking us to close your wallet.
Liability
You agree to indemnify and hold Moolre, its affiliates, and service providers, and each of their officers, directors, agents, joint ventures,employees, and representatives harmless from any claim or demand (including attorneys’ fees and any losses, fines, fees or penalties imposed by any regulatory authority) arising out of your breach of this Terms of Service and Use, your violation of any law or regulation or your use of the Services.

The term “losses” here means all net costs reasonably incurred by us or the other persons referred to in this Section which are the result of the matters which may relate to any claims, demands, causes of action, debt, cost, expense or other liability, including reasonable legal fees(without duplication).

If you have a dispute with one or more users or third parties, you release Moolre (and its affiliates and service providers, and each of their officers, directors, agents, joint ventures, employees and representatives) from any and all claims, demands, and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such disputes.

You expressly understand and agree that Moolre and our affiliates and service providers, and their respective officers, directors,agents, joint venturers, employees, and representatives will not be liable for any indirect, incidental, special, consequential, exemplary damages, or damages for loss of profits including but not limited to, damages for loss of goodwill,use, data, or other intangible losses (even if Moolre has been advised of the possibility of such damages), whether based on contract, tort, negligence,strict liability, or otherwise, resulting from:
§ the use or the inability to use the services

§ the cost of procurement of substitute goods and services resulting from any goods, data, information, or services purchased or obtained or messages received or transactions entered into through or from the services

§ unauthorized access to or alteration of your transmissions or data; or

§ any other matter relating to the services.

Our obligation under these Terms of Use is limited to providing you with an electronic money account and related payment services and does not make any statement in relation to or endorsement of the quality,safety or legality of any goods or services provided by another Moolre user, or intermediary.

Moolre will make reasonable efforts to ensure that requests for electronic debits and credits involving bank wallets, credit cards, check issuances, and other payment methods are processed in a timely manner, but Moolre makes no representations or warranties regarding the amount of time needed to complete processing because the Services are dependent upon many factors outside of our control, such as delays in the banking. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimers may not apply to you. This paragraph gives you specific legal rights and you may also have other legal rights that vary from state to state.

We shall not bear any liability for any damage or interruptions caused by any computer viruses, spyware, or other malware that may affect your computer or other equipment, or any phishing, spoofing, or other attack. We advise the regular use of a reliable virus and malware screening and prevention software.

Moolre shall have no liability for any failure or delay resulting from any condition beyond our reasonable control, including but not limited to governmental action or acts of terrorism, earthquake, fire, flood, or other acts of God, labor conditions, power failures, equipment failures, and Internet disturbances.
Termination and Suspension of Your Wallet
We may decline to process any deposit or withdrawal without prior notice and may limit or suspend your use of one or more Services at anytime, in our sole discretion. Suspension of your use of any of the Services will not affect your rights and obligations pursuant to this Agreement.

Your Moolre Wallet will be terminated without notice inthese instances:
(i)                 You breach any condition of these Terms of Use or any other condition applicable to specific services covered by separate terms and conditions

(ii)               You violate or we have reason to believe that you are in violation of any law or regulation that is applicable to your use of our services;
(iii)             We have reason to believe that you are in anyway involved in any fraudulent activity, money laundering, terrorism financing or other criminal activity.Your Moolre Wallet will be suspended if:  (i)                 We reasonably believe that your Moolre Wallet has been compromised or for other security reasons; or

(ii)               We reasonably suspect your Moolre Wallet to have been used or is being used without your authorisation or fraudulently; and we shall notify you either prior to the suspension or, if prior notification isnot possible under the circumstances, promptly after the suspension unless we are prohibited by law to notify you.

You hereby explicitly agree that all communication in relation to a delinquent wallet will be made by electronic mail or phone. Such communication may be made by Moolre or by any third party acting on its behalf,including but not limited to a third-party collection agent. Note that ifMoolre is forced to engage such third parties in connection with recoveringamounts that you owe Moolre, your credit may be negatively impacted.
Dormant Accounts
If Moolre is holding funds in your wallet, and Moolre is unable to contact you and has no record of your use of the Services for several years, applicable law may require Moolre to report these funds as unclaimed property to the applicable jurisdiction. If this occurs, Moolre will try to locate you at the address shown in our records, but if Moolre is unable to locate you, it may be required to deliver any such funds to the applicable state or jurisdiction as unclaimed property. Moolre reserves the right to deduct a dormancy fee or other administrative charges from such unclaimed funds, as permitted by applicable law.

Upon termination of your wallet or this Terms of Service and Use for any other reason, all rights and obligations of the parties that by their nature are continuing will survive such termination.
Obligation to Our Terms of Service
Moolre strives to provide accurate and reliable information and content on the Moolre website, but such information may not always be correct, complete, or up to date. Moolre will update the information on the Moolre website as necessary to provide you with the most up to date information, but you should always independently verify such information.

The Moolre website may also contain links to third party websites, applications, events or other materials (“Third Party Content”). Such information is provided for your convenience and links or references to Third Party Content do not constitute an endorsement by Moolre of any products or services. Moolre shall have no liability for any losses incurred as a result of actions taken in reliance on the information contained on the Moolre website or in any Third-Party Content.

The laws of Ghana shall govern this User Agreement. Except for those disputes that shall be resolved in arbitration or in small claims court, each party agrees to submit to the personal and exclusive jurisdiction of the courts located in Accra, Ghana provided that any claims or disputes shall be subject to the arbitration provisions set forth in Section 26.

The failure of Moolre to exercise or enforce any right or provision of the Terms of Service and Use shall not constitute a waiver of such right or provision. If any provision of this Agreement shall be adjudged by any court of competent jurisdiction to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect and remain enforce able between the parties.

The heading and explanatory text are for reference purposes only and in no way define, limit, construe, or describe the scope or extent of such section. This Agreement, including Moolre’s policies governing the Services referenced herein and the Privacy Policy constitute the entire agreement between you and Moolre with respect to the use of the Services. This Terms of Service and Use not intended and shall not be construed to create any rights or remedies in any parties other than you and Moolre and other Moolre affiliates which each shall be a third party beneficiary of this Terms of Service and Use, and no other person shall assert any rights as a third party beneficiary here under.
Other Terms and Conditions
We grant you a limited, non-exclusive, non-sub licensable,and non-transferable license, subject to the terms and conditions of this Agreement, to access and use the Services solely for approved purposes as determined by Moolre. Any other use of the Services is expressly prohibited.
Moolre and its licensors reserve all rights in the Services and you agree that this Terms of Service and Use does not grant you any rights in or licenses to the Services except for the limited license set forth above.Except as expressly authorized by Moolre, you agree not to modify, reverse engineer, copy, frame, scrape, rent, lease, loan, sell, distribute, or create derivative works based on the Services, in whole or in part. If you violate any portion of this Agreement, your permission to access and use the Services maybe terminated pursuant to this Terms of Service and Use. "Moolre.com", "Moolre", and all logosrelated to the Services are either trademarks, or registered marks of Moolre or its licensors. You may not copy, imitate, or use them without Moolre's prior written consent. All right, title, and interest in and to the Moolre website,any content thereon, the Services, and all technology and any content created or derived from any of the foregoing is the exclusive property of Moolre and its licensors.
DISPUTE RESOLUTION AND COMPLAINTS
Trade Disputes
If the parties to an escrow exchange are in disagreement over a trade, either party or Moolre may initiate a dispute. Disputed trades are resolved by Moolre.com support staff.Moolre.com support resolves disputes by carefully evaluating the terms of exchange, exchange evidence, exchange chat messages, user reputation, other data submitted to us by our users and data collected by us as part of the privacy policy.When either party turns unresponsive, we will resolve the dispute to the other party if we are confident the unresponsive party has received their part of the exchange.After the escrow has been released or cancelled by the parties, the exchange and is considered finished and cannot be disputed,reversed or altered.

Providing fraudulent information or documents in a dispute or making false claims or otherwise trying to force a certain outcome of a disputed trade is considered a violation of this agreement.
Complaints
Any complaints about us or the services we provide should be addressed to us in the first instance by contacting Customer Service. The fastest and most efficient way to lodge a complaint is to contact Support via email at hello@moolre.com. You can also notify us by phone during our phone support hours by sending a WhatsApp message to +15166410470 or calling us on the same WhatsApp number.
You should clearly indicate that you are wishing to make a complaint to us. This helps us to distinguish a complaint from a mere query. We send you a complaint acknowledgement by post or by e-mail within 48 hours of receiving your complaint in accordance with our complaints procedure.
SUPPLEMENTARY INFORMATION
Moolre provides you with a secure and convenient way to establish a wallet for purposes of
(i)                 Depositing funds from a linked bank account debit card or credit card (if available) and other payment methods

(ii)               holding an wallet balance,

(iii)             sending and receiving fiat and cryptocurrency, and

(iv)             sending and receiving bitcoin; provided that any of these Services can be discontinued at any time

Moolre is an independent contractor for all purposes and is not your agent or trustee. Moolre does not have control of, or liability for,any products or services that are purchased or sold by third parties using the Services.

Moolre does not guarantee the identity of any user or other party or ensure that a buyer or seller is authorized to complete a transaction or will complete a transaction. Moolre is not liable for any losses or issues that may arise from such third-party transactions, including, but not limited to, legality, quality, delivery, or satisfaction with any products purchased.If you are not satisfied with any goods or services purchased from, or sold to,a third party using the Services, you must handle those issues directly with the third-party seller or buyer, as applicable.
Mobile Services
To the extent you access the Services through a mobile device, your wireless service carrier’s standard charges, data rates, and other fees may apply. In addition, downloading, installing, or using certain mobile applications may be prohibited or restricted by your carrier, and not all Services may work with all carriers or devices.

By using mobile Services, you agree that we may communicate with you by SMS, MMS, text message, push notification, and/or other electronic means via your mobile device and that certain information about your usage of the Services may be communicated to us. In the event that you change or deactivate your mobile telephone number, you agree to promptly update your wallet information to ensure that your messages are not sent to any person who might acquire your old number.
You hereby confirm that with respect to any mobile phone number provided, you own the wallet corresponding to that mobile phone number or otherwise have the wallet holder’s permissions to use this service. By registering a mobile phone number, you are agreeing to the specific terms set forth in this Section 9. Moolre text messaging services are provided by MTNGhana. MTN Ghana is not liable for delayed or undelivered messages.