Effective as of September 25, 2026

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Scope

These Website Terms of Use (“Website Terms”) govern access to and browsing of the website www.moneco.app (the “Website”), which is purely informational and serves as a showcase (product presentation, blog, app download, careers, indicative pricing).

They are separate from:

1. Moneco's Terms of Use for the Moneco mobile application, which govern account opening and use of the Moneco mobile app and related financial services;
2. Moneco's Privacy Policy;
3. Moneco's Pricing Schedule.

If you download or use the mobile application, it is the Terms of Use of the application — not these Website Terms — that govern the contractual relationship between you and Moneco.

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1. PURPOSE

These Website Terms set out the terms and conditions under which:

• Moneco makes the content of the Website available to internet users (“Users” or “you”);
• Users access and use the Website.

Any browsing of the Website constitutes full and unreserved acceptance of these Website Terms by the User. If you do not accept these Website Terms, you are asked not to use the Website.

2. WEBSITE PUBLISHER

The Website is published by:

• Legal name: Moneco Canada Inc.
• Legal form: corporation incorporated under the federal laws of Canada, registration no. 1001104248
• Registered office: 807-130 Spadina Ave, Toronto, ON, M5V 2L4, Canada
• Regulatory registrations:
  • FINTRAC (Financial Transactions and Reports Analysis Centre of Canada) — Money Services Business (MSB), registration no. C100000618
  • Bank of Canada — Payment Service Provider (PSP), registration no. RPS0014580
• Publication director: Head of Compliance
• Publisher contact: [email protected]

Funds held through Moneco's services do not constitute insured bank deposits.

3. HOSTING

The Website is hosted by: Vercel Inc., whose registered office is located at 340 S Lemon Ave #4133, Walnut, CA 91789, and which can be contacted by email at: [email protected].

4. ACCESS TO THE WEBSITE

The Website is accessible free of charge, from anywhere, to any User with internet access. All costs required to access the Website (computer equipment, internet connection, etc.) are borne exclusively by the User.