Dear Valued Account Holder, Thank you for registering with Molease. To finalize your account setup, please review our Terms & Conditions and Privacy Policy.

Molease NEO-Banking Platform (Personal Account) Agreement Introduction Purpose of the Agreement This Agreement outlines the terms and conditions governing the use of the Molease NEO-banking platform for individual (Personal) account holders. By registering and using a Molease Personal Account, you agree to abide by the provisions of this Agreement. Definitions and Key Terms: Molease: Refers to the financial technology platform operated by Monetary Science Institute S.L., offering neo-banking services. User: Any individual who registers for and accesses the Molease Personal Account. Leasing Account: An account that enables Users to lease capital for transactional purposes under defined conditions. Savings Account: An interest-bearing account providing a fixed monthly return under specific rules. 
 Regulatory Compliance and Legal Framework Molease operates in accordance with local and international financial compliance laws, including Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations. By using the platform, Users consent to these compliance checks.


General Terms & Conditions Eligibility and Account Registration Users must be at least 18 years old and provide valid identification and contact information to open a Molease Personal Account. Identity Verification (KYC & AML Requirements) All Users are required to complete KYC verification. This includes submitting proof of identity, address, and source of funds. Molease may suspend or terminate accounts pending review if irregularities are found. User Responsibilities and Obligations Users agree to: Provide accurate and current information Use the platform for lawful purposes only Maintain account security and confidentiality Platform Access and Security Access to the Molease platform requires secure login credentials. Unauthorized access or suspicious activities will result in account suspension or termination. Fees, Charges, and Tax Responsibilities Users are responsible for any fees associated with leasing or savings accounts as well as any applicable tax liabilities based on their jurisdiction. 
Fees, Charges, and Tax Responsibilities Applicable fees (e.g., leasing fees, withdrawal charges) are disclosed within the platform. Users are solely responsible for declaring and paying taxes on income generated via Molease.

 Main Account LEGAL AGREEMENT Issuing Debit Cards or Linking Existing Cards Users may be issued Molease-branded debit cards or link existing debit/credit cards for transactional use within the platform. Standard Functionalities Include: Account balance overview Transaction history and statements P2P payments internationally Instant SEPA transfers In-app budgeting tools and expense tracking Mobile and web access with biometric login options Users may be issued Molease-branded debit cards or link existing debit/credit cards for transactional use within the platform. This Standard Bank Account Agreement (the “Agreement”) is entered into by and between Molease (the “Provider”) and the Account Holder (the “User”), collectively referred to as the “Parties.” This Agreement governs the terms and conditions under which the User may access and utilize the Standard Bank Account service provided by Molease. 1. Purpose and Functionality 1.1 The Standard Bank Account (“Main Bank Account”) is a financial account offered by Molease that enables the User to send and receive bank transfers, conduct transactions via debit card, and facilitate regular payments. 1.2 The Bank Account functions as a core financial component within the Molease ecosystem, allowing seamless transfers between the User’s , Savings Account, and Fee payment for usage of leased funds and VAT (Value added tax) payments on any type of purchase 1.3 The Bank Account operates under standard banking and payment processing rules, ensuring compliance with regulatory requirements and secure financial transactions. 1.4 Funds held in the Bank Account are protected under the deposit guarantee scheme, ensuring coverage of up to €100,000 per account holder, in accordance with applicable financial regulations. 2. Account Opening and Eligibility 2.1 Users must complete the required account registration and identity verification process (KYC & AML) before opening a Bank Account. 2.2 The Bank Account is available to individuals who meet the eligibility criteria set by Molease. 2.3 Molease reserves the right to approve or deny applications at its sole discretion. 3. Deposits and Withdrawals 3.1 Users can fund their Bank Account via: • Bank transfers from external financial institutions. • Card deposits, where applicable. 3.2 Withdrawals from the Bank Account can be executed via: • Bank transfers to external accounts. • ATM withdrawals using the Molease debit card. • Internal transfers within the Molease ecosystem. 3.3 Molease reserves the right to set deposit and withdrawal limits based on compliance and security considerations. 4. Debit Card Functionality 4.1 The User may request a Molease debit card, which is linked to their Bank Account and enables them to: • Make purchases at physical and online merchants. • Withdraw cash from ATMs where the card network is accepted. • Utilize contactless and digital payment services where supported. 4.2 The use of the debit card is subject to applicable fees, as outlined in the Fee Schedule provided by Molease. 4.3 The User must ensure the security of their debit card and immediately report any unauthorized transactions or loss of the card. 5. Transactions and Payments 5.1 The Bank Account may be used for: • Direct debit payments for bills, subscriptions, and other recurring transactions. • One-time payments to merchants, individuals, or institutions. 5.2 Molease is not responsible for any delays or errors caused by third-party payment processors, financial institutions, or merchants. 5.3 Transactions are subject to real-time monitoring and security protocols to prevent fraud and ensure compliance. 6. Fees and Charges 6.1 The User agrees to pay any applicable fees for account maintenance, transactions, ATM withdrawals, and card usage. 6.2 Fees may be deducted directly from the User’s Bank Account balance or charged separately, as specified in the Fee Schedule. 6.3 Molease reserves the right to update the Fee Schedule, with prior notice to the User. 7. Security and Compliance 7.1 Molease employs industry-standard security measures to protect User funds and transactions. 7.2 Users must adhere to all security guidelines, including setting up strong authentication methods and safeguarding their account credentials. 7.3 Transactions are subject to real-time fraud monitoring, and Molease may temporarily suspend transactions deemed suspicious or high-risk. 8. Termination and Account Closure 8.1 The User may request to close their Bank Account at any time by submitting a formal closure request through the internal platform. 8.2 Molease reserves the right to terminate or suspend a Bank Account if: • The User violates the terms of this Agreement. • Suspicious or fraudulent activities are detected. • The account remains inactive for a prolonged period, as defined in the Inactivity Policy. 8.3 Upon termination, any remaining funds in the Bank Account will be settled according to the applicable policies and regulations. 9. Governing Law and Jurisdiction 9.1 This Agreement shall be governed and interpreted in accordance with the laws of Spain. 9.2 Any disputes arising from this Agreement shall be resolved by the courts of Barcelona, Spain. 10. Miscellaneous 10.1 This Agreement constitutes the entire understanding between the Parties and supersedes all prior agreements or understandings. 10.2 Molease reserves the right to amend or modify this Agreement with prior notice to Users. 10.3 Any modifications shall become effective immediately upon being published on the official Molease website. By using the Standard Bank Account, the User agrees to abide by the terms outlined in this Agreement. Let me know if you’d like to also stylize it for branding, or add clauses on digital banking features, interest accrual, or API access. LEASING ACCOUNT LEGAL AGREEMENT This Leasing Account Agreement (the "Agreement") is entered into by and between Molease (the "Provider") and the Account Holder (the "User"), collectively referred to as the "Parties." This Agreement governs the terms and conditions under which the User may access and utilize the Leasing Account service offered by Molease.
 1. Concept of Money Leasing 1.1 The Leasing Account operates within the Molease Ecosystem, where private capital circulates among an ecosystem of willing participants who accept and utilize leased money for transactions.
1.2 Users lease funds for daily payments and are charged a transaction fee for each outgoing transaction using leased funds.
1.3 Leasing money is not considered a loan; it is an internal mechanism for capital circulation within the ecosystem.
1.4 The standard leasing rate is set at 2.5% per outbound transaction, regardless of who holds the leased capital. Molease reserves the right to adjust this rate with 30 days’ prior notice.
1.5 Leasing is capped per user based on their individual profile and risk score. Users must maintain sufficient funds in their Main Account to cover leasing-related fees. If not, Molease reserves the right to repossess the full leasing amount from the Leasing Account balance.
1.6 Inactivity for over one month results in a 2.5% maintenance fee on the Leasing Account balance.
1.7 Molease offers a comprehensive API for third-party bank integration, enabling traditional banks to offer leasing functionalities within their own systems. 2. Account Types: Individual Users vs. Business Accounts 2.1 Individual Users: May lease capital within the ecosystem. Have a predefined Monthly CAP set by Molease. Can send and receive leased money but do not access business-specific features like payroll or cash registers. 2.2 Business Accounts: May use additional tools including a built-in cash register app for leasing transactions. Can distribute leased capital through payroll functionality to employees or vendors. Have a predefined Monthly Payment CAP, and can also set an internal cap. Are displayed on an interactive map showing acceptance of leased capital and available monthly capacity. This promotes transparency and enables users to locate participating businesses easily. 3. Terms and Conditions for Leasing Money 3.1 Users must complete KYC and AML verification before using the leasing service.
3.2 Leasing is limited to the Monthly CAP determined by Molease (see Section 5).
3.3 Leased funds must be used within the Molease ecosystem and cannot be converted to fiat or transferred externally.
3.4 By leasing, Users accept all transaction fees and service terms specified herein. 4. Risk Management and Fund Allocation 4.1 The Leasing Account operates in a closed ecosystem, minimizing user financial risk.
4.2 Molease ensures compliance with system parameters, avoiding exposure to external financial markets.
4.3 Leasing capital is provided by investors, who are compensated through transaction fees. 5. Monthly CAP 5.1 Every User has a predefined Monthly CAP.
5.2 The CAP ensures ecosystem stability and prevents inflationary effects.
5.3 It is based on variables including: Inflation levels Investor supply/demand Capital reserves User demographics (e.g., single parents, seniors) Financial hardship or socioeconomic needs Historical transaction activity 5.4 Molease may adjust the Monthly CAP at its discretion to ensure fair distribution of capital across its users. 6. Leasing Fees and Profit Distribution 6.1 A 2.5% fee is charged on every outbound transaction using leased funds.
6.2 This ensures compensation for capital providers and covers ecosystem costs.
6.3 VAT and any applicable regulatory fees will be deducted from the User's linked external account.
6.4 Fee distribution: A portion to capital providers A portion to Molease operations A portion reserved for sustainability and future ecosystem development
6.5 Detailed breakdowns of fees are viewable in the User’s account dashboard. 7. Termination and Default Handling 7.1 Users may terminate their Leasing Account via written notice.
7.2 Molease may suspend or terminate accounts in cases of: Terms and conditions violations Suspected fraud or illegal use Repeated breaches of Monthly CAP without approval 7.3 All outstanding obligations must be cleared upon termination. Molease will conduct a final reconciliation before closing the account. 8. Governing Law and Jurisdiction 8.1 This Agreement is governed by the laws of Spain.
8.2 Legal disputes shall be settled in the courts of Barcelona, Spain. 9. Miscellaneous 9.1 This Agreement represents the entire understanding between the Parties.
9.2 Molease may amend this Agreement at any time with prior notice.
9.3 Updates become effective immediately upon being published on the official Molease website. By using the Leasing Account, the User agrees to abide by the terms outlined in this Agreement. Savings Account LEGAL AGREEMENT Account Features and Benefits Earn a fixed 1% monthly return, compounded monthly Withdrawals are managed to ensure platform stability and liquidity Account minimum deposit: €500 Funds are automatically exchanged on international currency markets using a theoretical risk-free model known as arbitrage trading, operated through automated systems similar to those used by major international banks Funds allocated to the savings account are, in effect, directed toward Molease’s internal treasury management operations, which are conducted within the jurisdiction of Spain and in accordance with the applicable Spanish financial regulatory framework.
 Fixed Yield Structure (1% per Month) The savings yield is calculated on a fixed monthly basis and credited daily. Molease reserves the right to adjust this rate with 30 days' notice. Lock-in Periods and Withdrawal Restrictions Funds are subject to a lock-in period (30 days minimum). Early withdrawal may incur a penalty or denial. Interest Payouts and Compounding Rules Interest is automatically compounded on a monthly basis and added to the user’s savings balance. Coverage and Guarantees Savings account funds do not fall under any deposit insurance scheme and are not covered by EU banking protections. The full amount deposited is subject to risk, including the potential loss of all funds. Risk Disclosure To avoid any misunderstanding regarding risk exposure, allocating funds to the savings account is classified as the highest risk profile: 6 out of 6 on a scale from 1 to 6.
 Governing Law & Jurisdiction This Agreement is governed by the laws of Spain. Any disputes will be resolved under Spanish jurisdiction unless otherwise required by EU law. Force Majeure Clause Molease shall not be liable for failure to perform services due to unforeseen events beyond its control (e.g., natural disasters, cyberattacks, regulatory actions). Amendments to the Agreement Molease reserves the right to amend this Agreement. Users will be notified at least 30 days in advance before changes take effect. This Savings Account Agreement (the "Agreement") is entered into by and between Molease (the "Provider") and the Account Holder (the "User"), collectively referred to as the "Parties." This Agreement governs the terms and conditions under which the Account Holder may access and utilize the Savings Account service provided by Molease. 1. Purpose and Functionality 1.1 The Savings Account is a financial product offered by Molease that allows the Account Holder to deposit funds and earn a fixed monthly return of 1%, credited daily. 1.2 The Savings Account operates under a theoretical risk-free capital gains model achieved through arbitrage trading in international currency markets. 1.3 The system identifies currency value inefficiencies across different regions and executes automated transactions to generate profits without exposure to traditional market risks. 1.4 The funds in the Savings Account are subject to a withdrawal scheme to ensure liquidity management and continuous market optimization. 1.5 The Savings Account is separate from the Regular Bank Account but allows seamless transfers within the Molease ecosystem. 2. Account Opening and Eligibility 2.1 Minimum Deposit Requirement The minimum deposit amount required by the client is: • FIVE HUNDRED EUROS (€500) for individual account holders. 2.2 Non-Compliance with Minimum Deposit If the deposited amount is lower than the stated minimum, Molease reserves the right to immediately terminate this agreement, without granting any rights to the Account Holder, except for the refund, if applicable, of the deposited amount and the accrued interest in accordance with the provisions of this agreement. 2.3 Minimum Holding Period The Account Holder commits to maintaining the deposit – and thus the validity of this agreement – for a minimum of ONE MONTH from the initial Deposit from the signing of this Agreement. 2.4 The Savings Account is available to individuals who meet the eligibility criteria set by Molease. 2.3 Molease reserves the right to approve or deny applications at its sole discretion. 3. Deposits and Withdrawals 3.1 Users can fund their Savings Account through the Molease Regular Bank Account. 3.2 Transfers between the Savings Account must always use the Regular Bank Account as the intermediary. 3.3 Withdrawals from the Savings Account can only be conducted through the Molease Neo-Banking platform using the Standart Bank Account. 3.4 Withdrawals are subject to the Molease Withdrawal Scheme, which regulates the timing and amount of withdrawals to ensure capital stability. 3.5 Withdrawals may be limited or delayed based on the ecosystem’s liquidity management strategy. 3.6 Molease reserves the right to implement withdrawal limits or waiting periods for large transactions to maintain the stability of the arbitrage trading system. 3.7Users must complete the required account registration and identity verification process (KYC & AML) before withdrawing from their Savings Account
 4. Interest and Earnings Distribution 4.1 The Savings Account earns a fixed return of 12% per annum, which is distributed daily. The daily interest rate is derived by dividing the annual return into monthly portions, and then dividing each monthly portion by the number of calendar days in the corresponding month. 4.2 Daily earnings are shown for illustrative purposes, Interest is calculated and compounded monthly. This means that at the end of each month, 1% interest is added to the total account balance so the following month’s interest is calculated on the new, increased balance. 4.3 The interest generated is sourced from theoretical risk-free capital gains through currency arbitrage, ensuring there is no direct exposure to traditional financial market volatility. 4.4 The automated trading system employed by Molease actively identifies and exploits pricing inefficiencies in global currency markets to generate stable returns.
4.5Funds held in the savings Account are NOT covered under the deposit guarantee scheme of €100,000, as they are actively allocated to trading activities and are subject to investment risk. 4.6 Molease guarantees that all operations are carried out in full compliance with applicable legal and regulatory frameworks. 5. Security and Compliance 5.1 Molease employs advanced security measures to protect funds held within the Savings Account. 5.2 Users must adhere to strict authentication protocols to access and manage their account. 5.3 Transactions within the Savings Account are monitored in real time to prevent fraudulent activities and ensure compliance with international regulations. 5.4 Funds in the Savings Account are used exclusively for arbitrage trading operations and cannot be withdrawn instantly without following the Withdrawal Scheme. 6. Fees and Charges 6.1 Molease does not charge any maintenance fees for the Savings Account. 6.2 Transaction fees may apply for transfers outside the Molease ecosystem. 6.3 Molease reserves the right to adjust fees with prior notice to Account Holders. 6.4 To ensure stable interest payments, Molease maintains strategic surplus buffers derived from arbitrage trading profits. 6.5 Molease reserves the right to extract a performance fee from these surplus buffers if deemed appropriate by management, ensuring the continued sustainability and profitability of the Savings Account system. 6.6 Funding for the Savings Account is exclusively conducted through the Molease Regular Bank Account. Transfers between the Savings Account must pass through the Regular Bank Account, ensuring controlled movement of funds. 6.7 Deposits and withdrawals into and from the Savings Account can only be made using the Molease Neo-Banking platform, which serves as the gateway for all account transactions. 7. Termination and Account Closure 7.1 The Account Holder may close their Savings Account at any time by submitting a written closure request. 7.2 Molease reserves the right to terminate or suspend a Savings Account if: The User violates the terms of this Agreement. Suspicious or fraudulent activities are detected. The account remains inactive for a prolonged period as defined in the Inactivity Policy. 7.3 Upon termination, any remaining funds will be settled according to the applicable policies and regulations. 8. Governing Law and Jurisdiction 8.1 This Agreement shall be governed and interpreted in accordance with the laws of Spain. 8.2 Any disputes arising from this Agreement shall be resolved by the courts of Barcelona, Spain. 9. Miscellaneous 9.1 This Agreement constitutes the entire understanding between the Parties and supersedes all prior agreements or understandings. 9.2 Molease reserves the right to amend or modify this Agreement with prior notice to Account Holders. 9.3 Any modifications shall become effective immediately upon being published on the official Molease website. By using the Savings Account, the Account Holder agrees to abide by the terms outlined in this Agreement.


MOLEASE PRIVACY AGREEMENT This Privacy Agreement ("Agreement") outlines how Molease ("we," "our," or "us") collects, processes, stores, and protects the personal data of users ("you," "your," or "User") who interact with Molease services, including but not limited to Leasing Accounts, Savings Accounts, and Investment Accounts. 1. Data Collection We collect personal data solely for the purposes of providing our financial services and complying with legal obligations. This data includes: Identification details (e.g., full name, date of birth, government-issued ID) Contact information (e.g., email address, phone number) Financial information (e.g., bank account details, transaction history) Usage behavior within the Molease ecosystem KYC and AML compliance documentation 2. Purpose of Data Processing We process your data for the following legitimate purposes: Account verification (KYC/AML) Risk assessment and user profiling Internal financial operations (e.g., processing leasing and investment activity) Communication regarding your account and transactions Compliance with legal, regulatory, and tax obligations 3. Data Sharing and Disclosure Molease does not share, sell, or rent your personal data to any third parties for commercial, advertising, or marketing purposes. We only share data with: Regulatory authorities, when legally required Licensed banking and financial infrastructure providers, under strict data protection contracts Internal teams and contractors strictly for operational and compliance purposes All third-party service providers are bound by confidentiality agreements and are required to comply with data protection regulations. 4. Data Storage and Security We take appropriate technical and organizational measures to secure your data, including: Encrypted data transmission and storage Access control mechanisms Regular system audits and security monitoring Your data is stored within the European Union and governed by the General Data Protection Regulation (GDPR). 5. Data Retention We retain personal data only as long as necessary to: Fulfill the services provided Comply with legal and regulatory obligations Maintain records for audit and risk management purposes Upon termination of your account, data is securely archived and deleted according to retention policies unless otherwise required by law. 6. User Rights As a User, you have the following rights under GDPR: Right to access your personal data Right to rectify inaccuracies Right to delete your data (“right to be forgotten”), where applicable Right to restrict or object to processing Right to data portability Requests can be submitted to: [email protected] 7. Policy Updates Molease may update this Privacy Agreement to reflect legal or operational changes. Users will be notified of any significant changes, and the most recent version will always be available on our website. By using Molease services, you acknowledge that you have read and understood this Privacy Agreement and consent to the processing of your personal data as described herein.