Terms and Conditions

These Terms and Conditions (the “Terms”) form a binding agreement between you and Movia Technologies Inc. (“Movia”, “we”, “us” or “our”), a company registered in Wyoming, United States with its registered address at 1309 Coffeen Avenue STE 1200, Sheridan, Wyoming 82801 and its office at 2201 Broadway, Oakland, California 94612. They govern your access to and use of the Movia mobile app, the website at www.movia.app and any related services (together, the “Services”).

By creating an account, joining a trip or otherwise using the Services, you confirm that you have read, understood and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Services.

Movia lets a group of people pool money for a shared trip and spend it through a single card issued for that trip. Movia provides the software, coordination and user experience for this.

Movia is not a bank. Accounts, wallets, stored balances, payment cards and identity checks are provided by regulated third-party partners (“Partners”). Your funds are held by or on behalf of those Partners, not by Movia. Where a Partner requires you to accept its own terms, those terms apply in addition to these Terms, and the Partner’s terms prevail on matters within its responsibility, such as card issuance and the safeguarding of funds.

Funds held through the Services are not bank deposits and may not be covered by a deposit guarantee or insurance scheme. Movia does not provide financial, investment, tax or legal advice.

The Services are currently offered as a private beta. Features may be incomplete, change without notice or be withdrawn, and availability may be limited by country, platform or invitation. We will give reasonable notice before withdrawing a feature that holds your funds, and will explain how any remaining balance will be returned.

To use the Services you must:

• be at least 18 years old, or the age of majority where you live if higher, and able to enter a binding contract;
• live in a country where the Services and our Partners’ products are offered, as shown in the app;
• use the Services for your own personal, non-commercial purposes;
• provide accurate, current and complete information, and keep it up to date; and
• complete any identity verification we or our Partners require.

You may hold only one account. You are responsible for keeping your sign-in details and device secure and for all activity under your account. Tell us immediately at info@movia.money if you believe your account or card has been compromised.

You may not use the Services if you:

• are located in, ordinarily resident in, or organised under the laws of a country or region subject to comprehensive sanctions;
• are named on, or owned or controlled by someone named on, a sanctions list maintained by the United Nations, the United States, the United Kingdom, the European Union or another relevant authority; or
• would use the Services to deal with, or for the benefit of, any such person or place.

We and our Partners may also decline to serve particular countries for regulatory or risk reasons. The list of supported countries is shown in the app and may change.

To comply with anti-money-laundering, counter-terrorist-financing and sanctions laws, we and our Partners verify the identity of people who hold funds or cards. This may include an identity document, a selfie or short video to confirm the document belongs to you, proof of address, and information about your occupation, income, the purpose of your account and how much you expect to spend. This verification is carried out by a specialist identity verification provider on our behalf, as described in our Privacy Policy.

You agree that the information you give is true and that we and our Partners may screen it against sanctions, politically exposed person and adverse media lists, both when you sign up and on an ongoing basis. We may refuse, suspend or limit access to the Services if verification cannot be completed, or if we are required to do so by law or by a Partner.

Each trip has one organizer, who creates the trip, invites members and is the person to whom the trip card is linked. Everyone else who joins is a member.

The organizer is responsible for:

• managing who is invited to and removed from the trip;
• using the trip card only for the trip’s shared purposes and in good faith towards members; and
• the card and its use as the cardholder under the card issuer’s terms.

Members may contribute to the pool and spend from it as the trip allows. Members cannot withdraw pooled funds. How the group shares costs among themselves is a matter between the group; Movia provides tools to help, but is not a party to arrangements between members and does not guarantee that any member will contribute or repay.

You can add money to a trip using the funding methods we make available, which may include bank transfers and supported stablecoins. You can also send a request asking another person to contribute.

You must only add money that belongs to you and comes from a lawful source. A contribution is credited once our Partner has received and cleared it. Bank transfers and blockchain transactions can take time to settle, and a stablecoin transfer sent to the wrong address or on an unsupported network may be lost and cannot be reversed by Movia.

Contributions in one currency may be converted for use on the trip. Where that happens, we will show you the rate and any fee before you confirm.

Each trip has one shared card, issued by a Partner and linked to the organizer. The card draws on the trip’s pooled balance. Card use is also governed by the card issuer’s cardholder terms and the rules of the card network.

The card may only be used for lawful purchases. A transaction may be declined if the pool has insufficient funds, if it exceeds a limit, or if it appears unusual or prohibited. Movia is not responsible for a merchant’s refusal to accept the card, or for the goods and services you buy with it. Disputes about a purchase should first be raised with the merchant; we will help you raise a chargeback with the issuer where one is available.

Pooled funds are for the trip. Subject to any limits shown in the app, you may withdraw only your own unspent contribution, never another member’s share of the pool.

When a trip ends, or if it is cancelled, any remaining balance will be handled as described in the app at that time, which may include returning each member’s unspent share to them. Returns are made to a verified account in your name and may be subject to the fees shown in the app.

Using the core features of the Services during the beta may be free. Any fees, including foreign exchange, funding, withdrawal or card fees, will be shown in the app before you confirm the action they apply to. We will give you at least 30 days’ notice before introducing a new recurring fee or increasing an existing one.

You agree not to use the Services to:

• break any law, including sanctions and tax laws;
• launder money, finance terrorism, commit fraud or deal in stolen funds;
• buy goods or services that are illegal or that our Partners prohibit, such as gambling where restricted;
• act on behalf of someone else without their authority, or let another person use your account;
• harass, deceive or pressure other members into contributing; or
• interfere with, reverse-engineer or attempt to gain unauthorised access to the Services or our systems.

You may close your account at any time from the app or by contacting us, once any trips you organize are ended and your balance has been returned.

We may suspend or close your account, freeze a trip card, or delay a transaction if we reasonably believe you have breached these Terms, if we suspect fraud or other illegal activity, or if we are required to by law, a regulator or a Partner. Where the law allows, we will tell you why. Funds that are lawfully yours will be returned to you, less any amounts we or a Partner are legally required to retain.

You agree that we may send you notices, statements and other information electronically, by email, in the app or by push notification, and that these satisfy any requirement that they be in writing. You can manage optional notifications in the app’s settings; you cannot opt out of messages about security, your funds or changes to these Terms.

The Services, including the Movia name, logo, design and software, are owned by Movia or its licensors and protected by intellectual property laws. We grant you a personal, non-exclusive, non-transferable, revocable licence to use the app for its intended purpose. Content you add, such as trip names and photos, stays yours; you give us the rights we need to store and display it to the members of your trip.

We process your personal data as described in our Privacy Policy. We share it with Partners and service providers only as needed to provide the Services, verify your identity, prevent fraud and meet legal obligations. Members of a trip can see each other’s names, profile photos and trip activity.

We work to keep the Services reliable and secure, but they are provided “as is” and “as available”. We do not promise that they will be uninterrupted, error-free or available in every country.

To the fullest extent permitted by law, Movia will not be liable for indirect or consequential losses, loss of profits or loss of opportunity, or for losses caused by a Partner, a merchant, another member, a blockchain network or events outside our reasonable control. Our total liability to you for any claim arising from the Services is limited to the greater of the fees you paid us in the 12 months before the claim and 100 US dollars.

Nothing in these Terms limits liability that cannot be limited by law, such as liability for fraud, or for death or personal injury caused by negligence, or your statutory rights as a consumer.

To the extent permitted by law, you agree to compensate Movia for losses and reasonable costs we incur because you breached these Terms, misused the Services or broke the law.

We may update these Terms from time to time. If a change materially affects you, we will notify you in the app or by email at least 30 days before it takes effect, unless the change is required sooner by law. If you do not agree, you may close your account before the change takes effect. Continuing to use the Services afterwards means you accept the updated Terms.

If something goes wrong, contact us first at info@movia.money. We aim to acknowledge complaints within 5 business days and resolve them as quickly as we can. Complaints about card or funds services may also be referred to the relevant Partner or, where available, to an independent dispute resolution body.

These Terms are governed by the laws of the jurisdiction in which Movia is incorporated, and disputes will be heard by its courts, except where the law of the country you live in gives you the right to bring proceedings there or to rely on its mandatory consumer protections.

If any part of these Terms is found unenforceable, the rest remains in effect. Our failure to enforce a right is not a waiver of it. You may not transfer your rights under these Terms without our consent; we may transfer ours to a successor that agrees to honour them. These Terms, together with the Privacy Policy and any Partner terms, are the entire agreement between you and Movia about the Services.

Questions about these Terms? Email info@movia.money. You can also write to Movia Technologies Inc., 2201 Broadway, Oakland, California 94612.