Terms of Service

Welcome to Rich-Monkey Wallet, a digital wallet service provided by Rich Monkey Dragon Corporation (“Company”, “we”, “us”, “our”). These Terms of Service (“Terms”) govern your access to and use of the Rich-Monkey Wallet mobile application, website, and related services (collectively, the “Services”).

By creating an account, accessing, or using our Services, you acknowledge that you have read, understood, and agreed to be bound by these Terms. If you do not agree, you must not use our Services.

1. Eligibility

You must be at least 18 years old, or of legal age of majority in your jurisdiction, to create an account and use our Services. By using Rich-Monkey Wallet, you represent and warrant that you meet these requirements.

2. Account Registration

• To access our Services, you must create an account by providing accurate, complete, and up-to-date information.
• You are responsible for maintaining the confidentiality of your account credentials.
• You agree to notify us immediately of any unauthorized use of your account.

3. Services Offered

Rich-Monkey Wallet allows you to:

• Cash-In and Cash-Out through authorized partners and outlets
• Pay bills to utility companies, telecom providers, and government agencies
• Send money to other wallet users and bank accounts
• Purchase goods and services from partner merchants
• Store and manage money securely

We may expand, modify, or discontinue Services at any time, subject to regulatory approval.

4. Fees and Charges

• Fees applicable to certain transactions (e.g., cash-outs, remittances, foreign exchange) will be displayed before confirmation.
• By proceeding with a transaction, you agree to pay all applicable fees.
• We reserve the right to revise fees with prior notice, as permitted by law.

5. Compliance with Law

You agree to use our Services in compliance with the laws of the Philippines and any applicable international regulations. Prohibited uses include:

• Money laundering or terrorist financing
• Fraudulent or illegal activities
• Unauthorized use of another person’s account or identity

6. User Obligations

• Provide true and accurate information at all times.
• Use the Services only for lawful, personal, or business purposes authorized by us.
• Keep your device and credentials secure.

7. Suspension and Termination

We may suspend or terminate your account if:

• You violate these Terms
• You engage in suspicious, fraudulent, or illegal activity
• Required by law or regulatory order

8. Intellectual Property

All content, trademarks, and proprietary technology related to Rich-Monkey Wallet belong to Rich Monkey Dragon Corporation. You may not copy, modify, or distribute our intellectual property without prior written consent.

9. Limitation of Liability

• We are not liable for indirect, incidental, or consequential damages arising from your use of the Services.
• We are not responsible for service interruptions caused by third-party partners, networks, or force majeure events.

10. Amendments

We may update these Terms from time to time. Continued use of our Services after changes are posted constitutes acceptance of the new Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines.

12. Contact Information

If you have any questions about these Terms, contact us at: