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 est fourni sans abonnement ni frais fixe : l'ouverture du compte et l'accès aux fonctionnalités sont gratuits et sans engagement de durée.

Monniz se rémunère uniquement sur les opérations réalisées par le Marchand : frais d'encaissement et services optionnels souscrits. Les transferts sortants sont gratuits.

Au-delà d'un certain niveau d'activité, une grille de frais négociée peut être convenue entre les Parties.

4.1 Prix. Les frais sont indiqués toutes taxes comprises, en francs CFA (XOF), et affichés au Marchand avant la validation de chaque opération.

4.2 Prélèvement. Les frais sont retenus directement sur l'opération concernée ou sur le solde du wallet Monniz Business du Marchand, au moment de l'opération.

4.3 Absence d'opération, absence de frais. Un compte inactif ne génère aucun frais : le Marchand ne paie rien s'il n'encaisse rien.

4.4 Justificatifs. Le détail des frais prélevés est consultable à tout moment dans l'historique des transactions du tableau de bord.

5.1 Durée. Le compte est ouvert pour une durée indéterminée, sans reconduction ni engagement.

5.2 Clôture à l'initiative du Marchand. Le Marchand peut demander la clôture de son compte à tout moment et sans frais, après avoir retiré le solde disponible de son wallet.

5.3 Clôture à l'initiative de Monniz. Monniz peut suspendre ou clôturer un compte en cas de manquement aux présentes conditions, d'activité frauduleuse ou d'obligation légale ou réglementaire, dans les conditions prévues aux CGU.

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.

Les opérations réalisées via Monniz Business donnent lieu à des frais de service : encaissements, retraits vers mobile money ou compte bancaire, cartes virtuelles et conversions de devises. Ces frais sont affichés avant validation de chaque opération.

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.