Legal & Compliance
Terms of Service
Please read these terms carefully before using the Multi Currency platform. By accessing our services, you agree to be bound by the following conditions.
Last updated: 16 July 2026
These Terms of Service ("Terms") constitute a legally binding agreement between you and Multi Currency ("we", "our", "us") governing your access to and use of the Multi Currency platform, including our website at multicurrency.com, mobile applications, and all associated services. If you do not agree to these Terms, you must not use our platform.
Eligibility & Account Registration
- You must be at least 18 years of age to register and use the Multi Currency platform.
- You must complete our KYC (Know Your Customer) verification process before conducting any transactions.
- You agree to provide accurate, current, and complete information during registration and to keep it updated.
- One account per individual or legal entity is permitted. Duplicate accounts may be suspended without notice.
- Accounts are non-transferable and must not be shared with or accessed by third parties.
- We reserve the right to decline registration or suspend accounts at our sole discretion.
Transactions & Exchange Services
- All currency exchange transactions are subject to the prevailing rates displayed on the platform at the time of execution.
- A transaction fee of 1.25% applies to all buy, sell, and exchange operations.
- Transactions are processed in real time and are generally irreversible once confirmed.
- You are solely responsible for ensuring the accuracy of recipient details before initiating any transfer.
- Multi Currency reserves the right to delay, hold, or reverse transactions suspected of fraud or policy violations.
- Minimum and maximum transaction limits may apply and are subject to change without prior notice.
Withdrawals & Payouts
- Withdrawal requests are subject to identity verification and compliance checks prior to processing.
- A payout transaction fee of 1.25% of your total portfolio value (USD equivalent) is required before initiating a withdrawal.
- Payout references are issued in the format MC-BANK-XXXXXX (bank), MC-UPI-XXXXXX (UPI), MC-PPL-XXXXXX (PayPal), or as MTCN/TX hash for Western Union and crypto.
- Processing times vary by payout method and may take 1–5 business days.
- Multi Currency is not liable for delays caused by third-party financial institutions or payment networks.
Prohibited Activities
- Using the platform for money laundering, terrorist financing, or any other illegal activity is strictly prohibited.
- Attempting to manipulate exchange rates, exploit system errors, or engage in fraudulent transactions.
- Creating multiple accounts to circumvent limits, fees, or compliance requirements.
- Providing false or misleading information during registration or KYC verification.
- Reverse engineering, scraping, or attempting to gain unauthorised access to our systems.
- Violation of any applicable local, national, or international laws or regulations.
Limitation of Liability
- Multi Currency provides its services on an "as is" and "as available" basis without warranties of any kind.
- We are not liable for any indirect, incidental, special, or consequential damages arising from your use of the platform.
- We are not responsible for losses resulting from market fluctuations, exchange rate movements, or third-party service failures.
- Our total liability to you for any claim shall not exceed the total fees paid by you in the 90 days preceding the claim.
- We do not guarantee uninterrupted or error-free access to the platform and may perform maintenance at any time.
Compliance & Regulatory
- Multi Currency operates in compliance with applicable anti-money laundering (AML) and counter-terrorism financing (CTF) regulations.
- We are required by law to report suspicious transactions to relevant financial intelligence authorities.
- You agree to cooperate with any compliance review, including providing additional documentation upon request.
- Accounts found to be in violation of regulatory requirements may be frozen, suspended, or reported to authorities.
- These Terms are governed by and construed in accordance with applicable financial services law.
Amendments & Termination
- We reserve the right to modify these Terms at any time. Continued use of the platform constitutes acceptance of the revised Terms.
- Material changes will be communicated via email or a prominent notice on the platform at least 7 days in advance.
- You may terminate your account at any time by contacting our support team, subject to settlement of any outstanding obligations.
- We may suspend or terminate your account immediately for breach of these Terms or applicable law.
- Upon termination, your right to access the platform ceases immediately. Certain provisions of these Terms survive termination.
Legal Enquiries
For any questions regarding these Terms of Service or legal matters, please contact our compliance team directly.
[email protected]