General Terms and Conditions of Sale

The service provider for the services billed under these General Terms and Conditions is MONNIZ GROUP, a public limited company with a capital of 30,000,000 FCFA, registered with the Cotonou RCCM under number RB/COT/25 B 41103, with its registered office located at Carrefour Jéricho, Cotonou, Republic of Benin (hereinafter referred to as "Monniz").

These General Terms and Conditions apply to any subscription by a Merchant to the Monniz Business subscription and the related services billed by Monniz (Transactional Service Fees, paid options, customized services).

The General Terms and Conditions complement the General Terms of Use (Terms of Use) without replacing them. In case of contradiction, the General Terms and Conditions prevail over the Terms of Use for commercial matters only.

Monniz Business offers a single subscription at four thousand nine hundred CFA francs (4,900 XOF) per month, granting unlimited access to all Service features: XOF wallet, Mobile Money and card collection, unlimited public shop, catalog, coupons, delivery, bookings and appointments, B2B quotes and invoicing, transfers between Monniz wallets, Mobile Money / bank withdrawals, USD virtual cards (subject to KYB validation) for international SaaS tools, payment links, multi-channel notifications, reports, CSV exports, team with RBAC, shop customer accounts, custom domain, FR/EN multilingual, marketing pixels, SEO.

An early annual subscription option is offered at 49,000 XOF/year.

Beyond a certain level of activity, a personalized rate may be agreed upon by mutual consent (Article 5.9 of the Terms of Use).

Upon creating the Business Account, the Merchant benefits from a free trial period of thirty (30) days with no commitment and no credit card required. Access to all features is open during this period. No charges are made.

At the end of the trial period (on the thirty-first day), the first charge of 4,900 XOF is automatically made on the Merchant's Monniz Wallet. The Merchant is encouraged, during the trial period, to top up their wallet in anticipation of this first charge.

5.1 Pricing. Prices are indicated inclusive of all taxes (TTC) in CFA francs (XOF). Unless otherwise stated, the monthly fee is 4,900 XOF/month.

5.2 Payment Method. The subscription is charged exclusively by auto-debit from the Merchant's Monniz Wallet. No credit card or SEPA mandate is required. The Wallet is funded by the Merchant via supported payment methods (Mobile Money Wave, Orange Money, MTN, Moov, Free Money, T-Money, Flooz, Airtel Money, Visa/Mastercard).

5.3 Frequency. The withdrawal is monthly, made on the same date each month (anniversary date of the first withdrawal).

5.4 Billing. A monthly invoice is automatically issued and sent to the email address associated with the Business Account. Invoices are also viewable and downloadable in PDF from the billing history of the Application.

6.1 Principle. The Monniz Wallet can never go negative. As a result, no partial withdrawal will be made: either the balance is sufficient and the full amount is debited, or the withdrawal is considered failed.

6.2 Retry attempts. In case of insufficient wallet on the due date, Monniz makes two (2) additional attempts three (3) days apart: the first on D+3, the second on D+6. For each failed attempt, an alert email is sent to the Merchant, inviting them to top up their wallet.

6.3 Automatic suspension. After the third unsuccessful attempt (D+6), the Business Account is automatically suspended. The public Shop displays a message "Shop temporarily unavailable", the dashboard becomes read-only (except for the possibility to top up the wallet and view its settings), and the Merchant receives a suspension notification email.

6.4 Data retention. All Merchant data is retained during the suspension: catalog, orders, invoices, quotes, team, settings, contacts. Nothing is deleted.

6.5 Automatic reactivation. As soon as the Merchant tops up their Wallet by the amount due (4,900 XOF minimum), the withdrawal is immediately retried and, if successful, the Account is automatically reactivated in less than five (5) minutes. No penalties or reactivation fees are applied.

7.1 Renewal. The subscription is without a commitment of duration and renews automatically each month on the anniversary date, unless terminated by the Merchant.

7.2 Termination at the Merchant's initiative. The Merchant can terminate their subscription at any time, free of charge, from their settings or by contacting support at [email protected]. The termination takes effect at the end of the current paid period. No prorated refund is due for the ongoing month, except for the right of withdrawal (Article 9).

7.3 Termination at Monniz's initiative. Monniz can terminate the subscription in accordance with Article 19 of the T&Cs, with one (1) month notice or without notice in case of serious breach.

Monniz can modify the subscription price or its pricing grid at any time. Any increase is notified to the Merchant at least thirty (30) days before it takes effect, by email to the address associated with the Business Account and by notification in the Application.

The Merchant who does not accept the new pricing can terminate their subscription before it takes effect, without any penalty. Failing termination, continued use of the Service after the effective date constitutes tacit acceptance of the new rate.

In accordance with applicable provisions regarding professional protection, when the subscription is made remotely, the Merchant acting as an individual entrepreneur has, if applicable and according to the legislation of their country of residence, a right of withdrawal of fourteen (14) days from the date of subscription.

To exercise this right, the Merchant must notify their decision by email to [email protected] specifying their name, their Account email, and the subscription date. The refund of the amounts withdrawn occurs within a maximum of fourteen (14) days following receipt of the request.

Given the nature of the Service (immediately usable upon registration, without physical support), the right of withdrawal does not apply to withdrawals corresponding to periods actually used by the Merchant.

In addition to the subscription, certain financial operations are subject to Service Fees published in the pricing grid and communicated to the Merchant before validation: Mobile Money/bank withdrawals (1.5% T+0, 1% T+1, 0.5% T+7); XOF↔USD conversion; transactions via virtual card USD; Partner fees (Mobile Money gateways, card issuers, etc.).

The Merchant can, for collections via the public Shop, configure the absorption or recharging of gateway fees to their end Customers at checkout.

11.1 Target availability. Monniz aims for a standard availability of 99.5% of the Service, excluding scheduled maintenance notified at least 24 hours in advance and excluding force majeure cases.

11.2 Absence of standard SLA. No commitment to a contractual service level (SLA) with automatic penalties is taken as standard. A customized SLA can be negotiated for Custom Rate accounts (Article 3 above).

11.3 Compliance guarantee. Monniz commits to providing a Service that conforms to its public description, free from obvious defects at the time of subscription. Any non-compliance must be reported by email to [email protected] within a reasonable time.

Any complaint regarding an invoice or a withdrawal must be addressed to [email protected] within a maximum of ninety (90) days following the contested withdrawal. Beyond this, the invoice is deemed accepted.

In the absence of an amicable resolution, disputes are governed by Articles 20 and 21 of the T&Cs (mediation then Commercial Court of Cotonou).

MONNIZ GROUP, Commercial Service, Email: [email protected], Phone: +229 01 95 66 96 26.