Table of contents
  1. About mbo.finance
  2. Eligibility
  3. Your account
  4. Our services
  5. Identity verification (KYC)
  6. Fees and charges
  7. Prohibited activities
  8. Limitation of liability
  9. Termination
  10. Governing law
  11. Changes to these terms
  12. Contact us
Please read these Terms of Service carefully before using mbo.finance. By creating an account or using our services, you agree to be bound by these terms.

1. About mbo.finance

mbo.finance ("we", "us", "our") is a financial technology platform operated by mbo.finance Ltd, a company registered in the United Kingdom. We provide international money transfer, currency conversion, and cryptocurrency services through our website at mbo.finance.

mbo.finance is currently in development and operating in a pre-licensing phase. While we implement full compliance measures, certain services may be limited pending regulatory approvals. We are committed to obtaining all necessary licences and operating in full compliance with applicable UK and international financial regulations.

⚠️ mbo.finance is not currently authorised by the Financial Conduct Authority (FCA). Our services are offered on a limited basis while we pursue the necessary regulatory approvals. Users accept this risk by registering an account.

2. Eligibility

To use mbo.finance, you must:

We reserve the right to refuse service to anyone at our sole discretion, including where we have concerns about compliance with applicable laws or regulations.

3. Your account

3.1 Registration

You must provide accurate, current and complete information when creating your account. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.

3.2 Account security

You must notify us immediately at support@mbo.finance if you suspect any unauthorised access to your account. We will not be liable for any losses resulting from unauthorised use of your account where you have failed to keep your credentials secure.

3.3 One account per person

Each person may only hold one account with mbo.finance. Creating multiple accounts is prohibited and may result in all accounts being suspended.

4. Our services

mbo.finance provides the following services:

All services are subject to availability and may be suspended, modified or discontinued at any time. We do not guarantee uninterrupted access to our platform.

⚠️ Cryptocurrency assets are highly volatile and unregulated. The value of cryptocurrencies can decrease significantly. You may lose all of the money you invest in cryptocurrencies. Past performance is not a reliable indicator of future results.

5. Identity verification (KYC)

To comply with anti-money laundering (AML) and Know Your Customer (KYC) regulations, we are required to verify the identity of all users before they can access full platform functionality.

You agree to provide:

We reserve the right to suspend or terminate your account if we are unable to verify your identity or if we have reason to believe you have provided false information.

6. Fees and charges

Our current fee structure is as follows:

All fees are displayed clearly before you confirm any transaction. We reserve the right to modify our fees at any time with 30 days' notice to registered users.

7. Prohibited activities

You agree not to use mbo.finance for any of the following:

Violation of these prohibitions may result in immediate account suspension, termination, and reporting to relevant authorities.

8. Limitation of liability

To the fullest extent permitted by applicable law:

Nothing in these terms excludes liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by UK law.

9. Termination

We may suspend or terminate your account at any time if:

You may close your account at any time by contacting support@mbo.finance. Any remaining balance will be returned to you subject to satisfactory completion of any outstanding compliance checks.

10. Governing law

These Terms of Service are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

11. Changes to these terms

We may update these Terms of Service from time to time. We will notify registered users of any material changes by email at least 30 days before they take effect. Continued use of our services after changes take effect constitutes your acceptance of the new terms.

12. Contact us

If you have any questions about these Terms of Service, please contact us: