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Montezy GmbH ("Montezy", "we", "us") is a company registered in the Commercial Register of the Canton of Zug (UID CHE-405.099.930), with its registered office at Baarerstrasse 12, 6300 Zug, Switzerland. We are a financial intermediary under the Swiss Anti-Money Laundering Act (AMLA) and a member of the self-regulatory organisation VQF (Member No. 101303). VQF membership is anti-money-laundering supervision only; it is not prudential supervision or a licence from the Swiss Financial Market Supervisory Authority (FINMA). Montezy is not a bank.
These Terms of Service apply to your application for a Montezy account and to your use of our website, dashboard and API. Business clients also sign a Master Services Agreement; where it differs from these Terms, the Master Services Agreement prevails. Fees and limits are those shown to you before you confirm a service, or those set out in your individual agreement.
Personal accounts. You must be at least 18 years old, have full legal capacity and live in a country where we offer our services. You open the account in your own name and for your own benefit, not on behalf of anyone else.
Business accounts. The applicant must be a legally incorporated entity, and the person applying must be authorised to act for it.
We may accept or decline any application. Where the law or our anti-money-laundering obligations prevent it, we may not be able to give a reason.
Before we open an account we must identify you and, for businesses, the company, its controlling persons and its beneficial owners. Identity checks are carried out with our verification provider Didit and may include document-authenticity, liveness and face-match checks. We may ask for further information at any time, for example about the source of funds or the background of a payment.
You confirm that everything you tell us is complete and accurate, and you will inform us within 30 days if any of it changes, including your address, nationality, tax residence or, for businesses, the controlling persons or beneficial owners.
Keep your login details secure, do not share access to your account, and tell us immediately if you suspect unauthorised use. Use your account only for lawful purposes that match what you told us during onboarding.
You may not use Montezy for gambling, adult content, unlicensed investment, lending or foreign-exchange schemes, cash-intensive businesses, anything connected with sanctioned persons or jurisdictions, or any activity that breaches anti-money-laundering, counter-terrorist-financing or sanctions laws.
Funds you hold with Montezy are recorded separately from Montezy's own funds and are held with our banking and payment partners solely to carry out your instructions. They are not bank deposits, do not earn interest unless agreed in writing, and are not covered by Swiss depositor protection (esisuisse).
You are responsible for the accuracy of your payment instructions. Incoming payments are screened before they are credited, and we may hold a payment while we clarify it. Payments that cannot be matched or cleared may be returned to the sender. Refunds are made only to the account the funds came from.
We may suspend your account, hold or return funds, or end our relationship where the law or our anti-money-laundering obligations require it, or where we suspect misuse. In some cases the law does not allow us to tell you why. You may close your account at any time; any remaining balance is paid to an account in your name once pending checks are complete.
We are liable for damage we cause intentionally or through gross negligence. To the extent permitted by Swiss law, we are not liable for indirect or consequential loss, or for loss caused by events outside our reasonable control, such as the failure of third-party payment systems.
We may change these Terms. We will notify you at least 30 days before a material change takes effect. If you do not agree, you may close your account free of charge before the change applies.
These Terms are governed by Swiss law. The courts of Zug, Switzerland, have jurisdiction, subject to any mandatory place of jurisdiction that applies to consumers. Disputes with business clients are resolved as set out in their Master Services Agreement.
Montezy GmbH, Baarerstrasse 12, 6300 Zug, Switzerland · [email protected]
Montezy GmbH, Baarerstrasse 12, 6300 Zug, Switzerland, is responsible for processing your personal data. You can reach us at [email protected]. We process personal data in line with the Swiss Federal Act on Data Protection (FADP) and, where it applies, the EU General Data Protection Regulation (GDPR).
To verify your identity and meet our obligations under the AMLA, including due diligence, transaction monitoring, sanctions screening and record-keeping; to open and run your account; to prevent fraud and keep our systems secure; and to contact you about your account. We do not sell your personal data and do not use it for advertising.
Service providers that act on our instructions: Didit (identity verification), ChainStream (blockchain analytics), the banking and payment partners that execute your payments, and our hosting and IT providers, such as Cloudflare. Address suggestions in the application form come from services based on OpenStreetMap data (Photon by komoot, and Zippopotam.us), which receive what you type into the address and postcode fields.
Authorities, where the law requires it, including the Money Laundering Reporting Office Switzerland (MROS), VQF, courts and law-enforcement agencies.
Some of our providers process data outside Switzerland. We only transfer data to countries that the Swiss Federal Council recognises as providing adequate protection, or on the basis of standard contractual clauses or other safeguards permitted by law.
Identification and transaction records are kept for at least ten years after the business relationship ends, as the AMLA requires. Data from applications that do not lead to an account is kept only as long as our legal obligations require and is then deleted.
You can ask for access to your data, for it to be corrected or deleted, for processing to be restricted, or for a copy in a portable format, and you can object to processing. Some data must be kept despite a deletion request because of legal retention duties. To exercise your rights, write to [email protected]. You may also complain to the Federal Data Protection and Information Commissioner (FDPIC) or, in the EU, to your local data protection authority.
We use appropriate technical and organisational measures, including encrypted connections, to protect your data, and we require the same of our service providers.
Our website uses only the storage needed to run the pages you use, such as keeping you signed in to the dashboard. We do not use advertising cookies.
We may update this Privacy Policy. The current version is always available on our website, and we will tell you about material changes.