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Monera Support

Monera is designed to make managing your Naira and supported digital assets simple. If you need help with your account, a transaction, verification, transfers, crypto or bill payments, our support team is available to assist you.

Contacting support

When contacting Monera Support, please provide the email address associated with your account and, where applicable, your transaction reference or other information that can help us investigate your issue.

Common questions

Terms of Service

Last updated: August 21, 2026

1. About Monera

Monera is a financial technology platform that provides users with access to wallet and payment-related services, including Naira transfers, supported digital asset functionality, asset conversion and bill payment services.

Certain services may be provided, processed or facilitated by independent third-party service providers. Your use of those services may also be subject to the applicable terms and policies of those providers.

2. Eligibility

You must provide accurate, complete and current information when creating and maintaining your Monera account.

You must satisfy the applicable eligibility, identity verification and age requirements applicable to the services you use.

Monera may restrict access to its services where required by law, security requirements, compliance obligations or legitimate risk controls.

3. Account Registration

You are responsible for maintaining the accuracy of your account information and protecting your account credentials.

You must notify Monera promptly if you believe that your account, credentials or device have been compromised or accessed without authorization.

4. Identity Verification and KYC

Monera may require you to complete identity verification before accessing certain services, features or transaction limits.

Verification may require personal information, identity documents and other information reasonably necessary to establish your identity and comply with applicable requirements.

5. Naira Wallet

Monera may provide eligible users with functionality for depositing, holding and transferring Naira through supported payment infrastructure.

Naira transactions may be processed through banks, payment processors, virtual account providers or other financial infrastructure partners.

Processing times may therefore depend on factors outside Monera's direct control.

6. Cryptocurrency Services

Monera may support the buying, sending, receiving and conversion of selected digital assets.

Digital asset transactions involve significant risks, including price volatility, network congestion, blockchain confirmation delays, incorrect addresses and irreversible transactions.

7. Third-Party Service Providers

Certain Monera services depend on third-party payment processors, banks, blockchain networks, identity verification providers, infrastructure providers and other service providers.

Monera is not responsible for delays, outages, restrictions, failures or losses caused solely by circumstances outside Monera's reasonable control, including third-party system failures.

8. Fees

Applicable fees will be displayed before a transaction is confirmed whenever reasonably practicable.

Blockchain network fees, payment processing fees or other third-party charges may also apply.

Monera may change its fees from time to time. Any applicable fee will be presented through the relevant Monera interface before confirmation.

9. Prohibited Activities

You must not use Monera for unlawful, fraudulent, abusive or unauthorized purposes.

Prohibited activities include, without limitation:

• Fraud or attempted fraud.
• Money laundering or terrorist financing.
• Using another person's identity or account.
• Unauthorized access to another user's account.
• Financing unlawful activities.
• Attempting to bypass identity verification or security controls.
• Introducing malicious software or attacks.
• Manipulating or abusing Monera services.
• Using Monera in violation of applicable law.

10. Transaction Errors

You are responsible for reviewing transaction details before confirming a transaction.

Where you enter an incorrect bank account, wallet address, network or other transaction information, Monera may not be able to reverse or recover the transaction.

11. Account Suspension and Termination

Monera may temporarily restrict, suspend or terminate an account where reasonably necessary to protect users, investigate suspicious activity, comply with legal obligations, enforce these Terms or protect the security of the platform.

Where appropriate and legally permissible, Monera may provide information concerning a restriction or suspension.

12. Security

Monera uses reasonable security measures designed to protect accounts, transactions and information. These may include authentication controls, encryption, identity verification, transaction monitoring and security notifications.

However, no internet-based service can be guaranteed to be completely secure.

13. Digital Asset Risk

Digital assets may experience significant and unpredictable price movements. The value of an asset may increase or decrease rapidly, and you may lose some or all of the value of digital assets you hold or transact.

Information made available through Monera does not constitute investment, financial, tax or legal advice.

14. Intellectual Property

Unless otherwise stated, Monera and its licensors own or control the intellectual property associated with the Monera application, website, branding, software, content and related materials.

You may not copy, reproduce, modify, distribute, reverse engineer or commercially exploit Monera's intellectual property without appropriate authorization.

15. Disclaimer

Monera services are provided on an "as available" basis. To the maximum extent permitted by applicable law, Monera does not guarantee that the services will always be uninterrupted, error-free or continuously available.

16. Limitation of Liability

To the maximum extent permitted by applicable law, Monera shall not be liable for indirect, incidental, special, consequential or punitive losses arising from your use of the services.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited under applicable law.

17. Indemnification

To the extent permitted by law, you agree to indemnify and hold Monera and its relevant officers, employees and service providers harmless from claims, losses, liabilities and expenses arising from your unlawful use of the services, violation of these Terms or infringement of another person's rights.

18. Changes to These Terms

Monera may update these Terms from time to time. Updated Terms will be published through appropriate Monera channels and will become effective as specified in the updated version.

19. Governing Law

These Terms shall be governed by and interpreted in accordance with the applicable laws of the Federal Republic of Nigeria, subject to any mandatory rights or protections applicable to you.

20. Contact

If you have questions concerning these Terms, please contact Monera through the official support channel listed on this page.

Privacy Policy

Last updated: August 21, 2026

Your privacy matters to us. This Privacy Policy explains what information Monera may collect, why we collect it, how we use it, when we may share it and the choices available to you.

1. Information We Collect

Depending on how you use Monera, we may collect the following categories of information:

• Name and contact information.
• Email address and telephone number.
• Identity verification information.
• Bank and payment information.
• Transaction and wallet information.
• Device and technical information.
• IP address and security information.
• Customer support communications.
• Information required to investigate fraud, abuse or security incidents.

2. Information You Provide

We may collect information that you provide directly when you register for an account, complete verification, contact support, submit a transaction or otherwise use Monera.

3. Transaction Information

When you use Monera to send, receive, convert or otherwise transact with Naira or digital assets, we may process transaction information necessary to provide the service, maintain records, investigate disputes, prevent fraud and protect the platform.

4. Identity Verification

Monera may collect identity information and supporting documents when verification is required.

This information may be used to verify your identity, protect your account, prevent fraud and satisfy applicable legal and compliance requirements.

5. Device and Technical Information

We may collect technical information such as device type, operating system, application version, IP address, device identifiers, diagnostic information and security events.

6. How We Use Your Information

We may use personal information to:

• Create and maintain your account.
• Process transactions and payments.
• Verify your identity.
• Provide customer support.
• Prevent fraud and unauthorized activity.
• Monitor platform security.
• Improve our products and services.
• Send service-related communications.
• Comply with applicable laws and obligations.

7. Legal and Compliance Purposes

We may process and retain information where necessary to comply with applicable laws, regulations, lawful requests, fraud prevention obligations, dispute resolution requirements or other legitimate compliance purposes.

8. Information Sharing

We may share information with trusted service providers where necessary to provide Monera services.

These providers may include payment processors, banks, identity verification providers, technology providers, security providers, infrastructure providers and other partners that support the operation of our services.

We may also disclose information where required or permitted by applicable law, regulation, court order or lawful governmental request.

9. Data Security

Monera uses reasonable technical and organizational measures designed to protect personal information against unauthorized access, loss, misuse, alteration or disclosure.

These measures may include encryption, authentication controls, access restrictions, monitoring and other security practices.

However, no method of electronic transmission or storage can be guaranteed to be completely secure.

10. Data Retention

We retain personal information for as long as reasonably necessary for the purposes described in this Privacy Policy, including providing services, maintaining business records, preventing fraud, resolving disputes and complying with legal obligations.

11. Your Privacy Rights

Depending on applicable law, you may have rights relating to your personal information, including rights to request access, correction, deletion or other appropriate handling of your information.

Some information may need to be retained where required by law or where necessary for legitimate security, fraud prevention or compliance purposes.

12. Cookies and Similar Technologies

Monera's website may use cookies and similar technologies to provide essential functionality, improve user experience, understand website usage and support security.

13. Third-Party Services

Monera may integrate with third-party services for payments, identity verification, analytics, infrastructure, communications, security and other functionality.

Those providers may process information in accordance with their own privacy policies and applicable agreements.

14. Children's Privacy

Monera services are not intended for individuals who are not legally eligible to use the services. We do not knowingly collect personal information from children in violation of applicable law.

15. Changes to This Privacy Policy

We may update this Privacy Policy periodically. When we make material changes, we may provide appropriate notice through the Monera application, website or other available communication channels.

16. Contact

If you have questions about this Privacy Policy or wish to exercise an applicable privacy right, contact Monera using the official contact details provided below.

Cookie Policy

Last updated: August 21, 2026

1. What Are Cookies?

Cookies are small files stored on your device when you visit a website. They help websites remember information, provide functionality and understand how visitors use the website.

2. How Monera Uses Cookies

Cookies and similar technologies may be used for the following purposes:

• Essential website functionality.
• Security and fraud prevention.
• Remembering user preferences.
• Understanding website performance.
• Improving user experience.

3. Managing Cookies

Most web browsers allow you to control or delete cookies through browser settings.

Disabling certain cookies may affect the functionality of parts of the Monera website.