Terms of Service

1 About TrustMoni

TrustMoni is a digital cryptocurrency exchange platform that allows registered users in Nigeria to deposit supported cryptocurrencies and receive equivalent Nigerian Naira (NGN) into their bank accounts. TrustMoni is operated as a Nigerian-registered business.

Our services include:

• Cryptocurrency deposit and conversion to NGN
• Bank account withdrawal of NGN balances
• Transaction history and account management
• Identity verification (KYC)

2 Eligibility

To use TrustMoni, you must:

• Be at least 18 years of age
• Be a resident of the Federal Republic of Nigeria
• Provide accurate and truthful registration information
• Have a valid Nigerian bank account in your name
• Possess a valid National Identity Number (NIN)
• Not be prohibited from using financial services under Nigerian law

3 Account Registration & Security

3.1 Registration

You must register with accurate, complete, and current information. You are responsible for all activities that occur under your account.

3.2 Account Security

• Keep your password and PIN strictly confidential
• Never share your login credentials with anyone
• Notify us immediately at info@trustmoni.com if you suspect unauthorized access
• TrustMoni will never ask for your password or PIN via email, SMS, or phone

3.3 One Account Per Person

Each person may register only one TrustMoni account. Creating multiple accounts to circumvent limits or policies is prohibited and will result in immediate account termination.

4 KYC & Identity Verification

TrustMoni is required by applicable Nigerian financial regulations to verify the identity of all users before processing withdrawals above ₦50,000.

• You must submit your valid National Identity Number (NIN)
• You must complete a live face capture (selfie) during verification
• The name on your NIN must match your registered account name
• Submitting false or another person's identity documents is a criminal offence under Nigerian law
• TrustMoni reserves the right to suspend accounts where KYC verification fails

5 Supported Cryptocurrencies & Transactions

5.1 Supported Coins

TrustMoni currently supports: Bitcoin (BTC), Ethereum (ETH), Tether USDT (ERC20), XRP, Dogecoin (DOGE), and Litecoin (LTC). Supported coins may change at our discretion with reasonable notice.

5.2 Deposits

• Each user receives a unique wallet address per supported coin
• NGN value is calculated at the time of deposit using the current exchange rate
• Minimum deposit amounts apply per coin
• Deposits are credited after sufficient blockchain confirmations

5.3 Withdrawals

• Withdrawals are processed to your registered Nigerian bank account only
• Minimum withdrawal is ₦100
• Withdrawal requests are reviewed and approved by TrustMoni within 10 minutes during business hours
• TrustMoni reserves the right to delay or decline withdrawals suspected of fraud

5.4 Exchange Rates

Exchange rates are set by TrustMoni administrators and are locked at the time of deposit. Rates fluctuate and TrustMoni is not liable for market movements after a deposit is credited.

6 Fees

TrustMoni may charge fees for certain services. Any applicable fees will be clearly disclosed before you complete a transaction. By proceeding, you agree to pay any stated fees. Current fee information is available in the app and on our website.

7 Prohibited Activities

You agree NOT to use TrustMoni for:

• Money laundering, terrorism financing, or any illegal activity
• Fraud, scams, or deceptive practices
• Processing funds derived from criminal activities
• Circumventing Nigerian financial regulations
• Creating fake accounts or impersonating other persons
• Hacking, reverse engineering, or unauthorized access to our systems
• Any activity that violates applicable Nigerian or international law

8 Limitation of Liability

To the maximum extent permitted by Nigerian law, TrustMoni shall not be liable for:

• Losses due to market fluctuations in cryptocurrency prices
• Delays caused by blockchain network congestion
• Loss of access due to forgotten passwords or PINs
• Losses resulting from your own negligence or sharing of credentials
• Service interruptions due to maintenance, technical issues, or force majeure
• Losses caused by third-party hacks not attributable to our negligence

TrustMoni's total liability for any claim shall not exceed the NGN value of the transaction in dispute.

9 Account Suspension & Termination

TrustMoni reserves the right to suspend or terminate your account at any time if:

• You violate these Terms of Service
• We suspect fraudulent, illegal, or suspicious activity
• You fail KYC verification
• Required by applicable law or regulatory authority
• Your account has been inactive for more than 24 months

You may close your account at any time by contacting us at info@trustmoni.com. Any remaining balance will be processed after verification.

10 Intellectual Property

All content, branding, software, and technology on TrustMoni — including the name, logo, app design, and code — are the exclusive property of TrustMoni. You may not copy, reproduce, or distribute any part of TrustMoni without written permission.

11 Governing Law & Dispute Resolution

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes shall first be resolved through good-faith negotiation. If unresolved within 30 days, disputes shall be submitted to arbitration in Nigeria in accordance with the Arbitration and Conciliation Act.

12 Changes to These Terms

TrustMoni may update these Terms from time to time. We will notify you of significant changes via email or in-app notification at least 7 days before they take effect. Continued use of TrustMoni after changes constitutes acceptance of the updated Terms.

13 Contact Us

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