Terms of Service

1. Hidmona Money Transfer operates a website (the Website) and a mobile phone application (the Application) that enable you to transfer money using an internet-connected device or smartphone.
2. Hidmona Money Transfer is a company incorporated and licensed under the laws of Switzerland (Company Registration number: CH-020.4.041.673-4) engaged in funds remittance, with Head Office located at Konradstrasse 75, 8005 Zürich, Switzerland.
3. Hidmona Money Transfer is regulated by the Swiss Financial Market Supervisory Authority (FINMA) as a financial intermediary.
4. We can be contacted via:
   • Post: Konradstrasse 75, 8005 Zürich, Switzerland
   • Email: info@hidmona.ch
   • Website: https://hidmona.ch

1. As a fully regulated institution, we are legally required to obtain, verify, and record information about our customers. We may request documentation or consult legal registers to verify your personal data.
2. Your personal information will be treated securely and strictly in accordance with applicable Swiss and European data protection laws.
3. We will not treat customer information as confidential where it is already public knowledge through no fault of our own.
4. We may disclose customer information if required to do so by law, court order, or competent regulatory/police authorities in connection with crime prevention, anti-money laundering, or counter-terrorist financing.
5. For more details on confidentiality and privacy, please review our Privacy Policy.

1. By using the Service you warrant that you are at least 18 years old and possess full legal capacity to enter into legally binding contracts.
2. We reserve the right, at any time, to terminate or suspend your access to the Service without prior notice if:
   • You use the Service or attempt to use it for any Prohibited Purpose;
   • You attempt to transfer funds from an account that does not belong to you;
   • We receive conflicting claims regarding ownership of or rights to withdraw funds;
   • You fail to provide satisfactory evidence of your identity or provide false documentation;
   • You attempt to hack, overload, or tamper with the security of the Website or Application;
   • You breach these Terms and Conditions; or
   • A Compliance Officer has taken a discretionary decision to do so.

1. After you place an order, you will receive an acknowledgment. This acknowledgement does not constitute formal acceptance of your order.
2. A transaction order constitutes an offer to buy our services. The binding Contract is formed only when we issue a formal Confirmation via email or within the mobile application.
3. We reserve the right to decline or suspend any transaction even after Confirmation if identity evidence is deficient, incorrect info is supplied, or compliance flags arise.

1. If a money transfer is delayed or fails, you may be entitled to a refund under Money Transfer Regulations. Contact us at info@hidmona.ch.
2. Where not entitled to statutory refund, our total liability for any delayed or failed transfer is capped at the greater of the service Fee paid or ₣500.
3. We shall not be liable for any indirect, incidental, consequential, or economic losses, including loss of profits, data, or anticipated savings.
4. Nothing in these terms excludes liability for death, personal injury caused by negligence, or willful misconduct/fraud.
5. We are not liable for breaches resulting from Force Majeure Events (acts of God, natural disasters, state sanctions, internet carrier interruptions, third-party network failures).

1. You must provide accurate, current, complete, and truthful evidence of identity and source of funds as required by Swiss AML legislation.
2. You must transfer money only from your own bank account, credit card, or debit card. You may not submit transfers on behalf of third parties.
3. You must keep your Reference Number and account credentials strictly confidential. Never share transaction codes with unauthorized third parties.
4. You must only send money to recipients you know personally or verified suppliers. Hidmona assumes no responsibility for underlying commercial transactions or quality of goods.
5. We are legally required to retain transaction and customer identity records for up to 5 years in compliance with Swiss and international law.

1. The total price for the Service comprises the explicit transfer Fee and any applicable FX Spread disclosed before order confirmation.
2. Supported payment methods include bank transfer, debit/credit cards, and recognized local instant payment methods where available.
3. Debit and credit cards are debited immediately upon transaction acceptance. In the case of international SWIFT wire transfers, intermediary bank charges may apply.

Promotional offers, rate discounts, and bonuses are subject to promotion-specific terms and conditions. Hidmona reserves the right to amend, disqualify, or withdraw promotional credits in cases of suspected manipulation or bad-faith abuse.

Remittances with an electronic component within Switzerland and the European Economic Area are subject to regulatory standards under FINMA supervision and corresponding payment directives.

All statutory notices must be in German or English. You consent to receive communications electronically via your registered email address or mobile application notifications.

No failure by us to exercise or delay in exercising any right or remedy under these Terms and Conditions shall operate as a waiver thereof, nor shall any partial exercise preclude any further exercise of rights.

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect. These Terms constitute the complete understanding between you and Hidmona.

We reserve the right to revise these Terms and Conditions periodically. The terms in effect at the moment your order confirmation is issued will govern that specific transaction.

All brand assets, software, logos, trademarks, and user interfaces of Hidmona Money Transfer are protected under copyright and trademark laws. You are granted solely a personal, revocable, non-transferable license to utilize the Service for individual remittance purposes.