Monzenta Terms of Use

1. About these Terms

These Terms of Use govern your access to and use of the Monzenta website, Planner and related services.

Monzenta is operated by Patrick Farrell, trading as Monzenta.

Contact email: hello@monzenta.com

By accessing or using Monzenta, you agree to these Terms. If you do not agree, you should not use the service.

Monzenta is currently in beta. Features, opportunities and functionality may change as the service develops.

2. What Monzenta does

Monzenta helps users explore and compare different opportunities to make extra money.

Depending on availability, these may include:

• Promotional betting offers.
• Bank switching opportunities.
• Sign-up rewards.
• Referral opportunities.
• Flexible work and other earning opportunities.
• Other promotional opportunities offered by third parties.

Monzenta may use information you provide, including your target, deadline, available funds, postcode, time and preferences, to calculate and display suggested opportunities.

Monzenta is an information, comparison and planning service. We do not guarantee that any opportunity will be available, suitable, successful or profitable.

Our calculations and forecasts are estimates based on available information, assumptions and the terms of individual opportunities.

3. Eligibility and accounts

You must be at least 18 years old to create an account or use Monzenta.

Some individual opportunities may have additional age, location, identity, financial or eligibility requirements. You are responsible for checking that you meet those requirements before proceeding.

You may use the Monzenta Planner without creating an account. Creating an account is optional, but is required to save your plan to your registered account and access it across sessions.

If you create an account, you agree to:

• Provide accurate information.
• Keep your login details secure.
• Not share your account with other people.
• Tell us promptly if you suspect unauthorised access.
• Keep your account information reasonably up to date.

You must not create accounts using false identities or use the service to deceive providers, manipulate referral rewards or commit fraud.

We may restrict or suspend accounts where we reasonably suspect misuse, fraudulent activity or a breach of these Terms.

4. Guest plans and saved accounts

You may use the Monzenta Planner without creating an account.

When using the Planner as a guest, your answers, generated plan and associated progress are temporarily stored in your browser session. Guest plans are not permanently saved to a Monzenta account unless you choose to create an account or sign in and save your plan.

Guest information is normally cleared when the relevant browser tab or session ends. If you close your browser tab or your session ends before saving your plan, your unsaved answers, plan and associated progress may be lost.

You can choose to create an account or sign in to save your guest plan.

Where you choose to save a guest plan:

• If you do not already have a saved plan, your guest plan may be transferred into your account.
• If you already have a saved plan, you will be given the option to save the guest plan as a new goal or keep your existing plan.
• Saving a guest plan as a new goal does not automatically replace your existing saved plans.
• Your guest plan may be recalculated using the opportunity information available at the time of transfer. As a result, some opportunities or progress may not transfer if they have changed, expired or cannot be matched reliably.

Guest-recorded progress is not independently verified simply because it is transferred to an account. Amounts marked as received while using the Planner as a guest must be separately confirmed through the authenticated Monzenta process before being recorded as received money.

Registered users may save plans, track progress, record completed opportunities and maintain an activity history through their account.

You are responsible for reviewing your saved plan and the information displayed before acting on an opportunity.

5. Planner calculations and estimated earnings

Monzenta provides estimates and suggested routes based on information available at the time.

These estimates are not promises, guarantees or assurances of earnings.

Actual results may differ because of:

• Changes to provider promotions or eligibility requirements.
• Changes to qualifying deposits, wages or other requirements.
• Provider decisions or account restrictions.
• Delays, unsuccessful applications or rejected claims.
• Changes in market conditions or availability.
• Your own circumstances and actions.
• Errors or incomplete information supplied by third parties.

Where an opportunity requires you to deposit, spend, wager or otherwise risk money, you must consider the potential loss before proceeding.

You should never rely on an estimated return as guaranteed income or money that you will definitely receive by a particular date.

You remain responsible for deciding whether an opportunity is appropriate for you.

6. Offers and third-party providers

Monzenta may display offers, promotions and opportunities provided by external businesses.

Those businesses are responsible for their own products, services, eligibility requirements, account decisions, payment processes and promotional terms.

Before signing up or committing money, you should read the provider's current official terms and conditions.

An offer displayed on Monzenta may:

• Expire or be withdrawn.
• Change its qualifying requirements.
• Become unavailable in your location.
• Be subject to additional checks.
• Be declined by the provider.
• Be changed without Monzenta receiving immediate notification.

We make reasonable efforts to keep information accurate and review opportunities, but cannot guarantee that every third-party offer will remain available or unchanged.

If we discover that an opportunity is materially inaccurate or expired, we may correct, suspend or remove it.

If you believe Monzenta has displayed misleading or incorrect information, contact us so that we can investigate.

Nothing in these Terms removes any legal responsibility we may have for our own information, representations or services.

7. Affiliate relationships and commissions

Some links on Monzenta are affiliate links.

This means Monzenta may receive a commission if you click a link, register with a provider or complete a qualifying activity.

Commission arrangements may vary between providers and may include fixed payments or other commission structures.

Affiliate relationships help support the operation and development of Monzenta.

Our intention is to rank and present opportunities according to their suitability and relevant merits, rather than simply according to the commission they generate.

Where applicable, we will make affiliate relationships clear before you follow an offer link.

Using an affiliate link does not normally increase the price you pay to the provider, although the provider's own terms and pricing apply.

8. Promotional betting and gambling-related opportunities

Some opportunities displayed by Monzenta involve gambling-related promotions.

These opportunities are intended only for eligible adults aged 18 or over.

You must:

• Read and understand the relevant provider's terms.
• Check the qualifying requirements before participating.
• Only use money you can afford to lose.
• Never use money needed for rent, bills, food, debts or other essential expenses.
• Never treat gambling as a reliable way to earn money or resolve financial difficulties.
• Stop if gambling is causing you harm or concern.

Promotional offers may involve qualifying bets, deposits, wagering requirements or other conditions. The actual outcome may differ from any estimate shown by Monzenta.

Monzenta does not guarantee a profit or a successful outcome from any gambling-related opportunity.

You are responsible for your own participation and for complying with the rules and requirements of the relevant gambling provider.

Monzenta may restrict access to gambling-related opportunities where safety, eligibility or other concerns arise.

9. Changes to your Planner and saved opportunities

Your circumstances and the availability of opportunities may change over time.

If you change information such as your postcode, available funds, target or deadline, Monzenta may offer to recalculate your plan.

We intend to ask for your confirmation before replacing an existing plan with a recalculated version.

Where an opportunity in a saved plan expires or materially changes, we may flag it and suggest an alternative.

We will not treat a suggested replacement as your approved plan without giving you the opportunity to review it.

Previous plan information and activity may be retained in your history where available.

10. Flexible work and third-party opportunities

Monzenta may display flexible work opportunities from external platforms and providers.

We do not employ you, act as your employer or guarantee that work will be available.

You are responsible for checking:

• The provider's eligibility requirements.
• Any equipment or transport requirements.
• Your expected costs and expenses.
• Tax and National Insurance responsibilities.
• Any insurance, licence or other requirements.
• The actual availability and terms of the work.

Any earnings estimates are indicative only and may not reflect your actual take-home income.

11. User responsibilities and acceptable use

You agree not to:

• Use Monzenta for unlawful, fraudulent or deceptive purposes.
• Provide false information to Monzenta or third-party providers.
• Attempt to exploit, manipulate or abuse offers or referral schemes.
• Interfere with the security or operation of the website.
• Attempt unauthorised access to accounts, systems or data.
• Copy, reproduce or commercially exploit Monzenta content without permission.
• Use automated systems to scrape or abuse the service without our permission.
• Circumvent eligibility or safety restrictions.

We may suspend or restrict access where reasonably necessary to protect Monzenta, other users or third-party providers.

12. Subscriptions and paid features

Some Monzenta features may be offered through a paid subscription.

Where a subscription is available, the applicable price, billing frequency, included features and payment terms will be displayed before you purchase.

Unless otherwise stated at checkout:

• Subscriptions renew according to the billing frequency displayed at purchase.
• You may cancel your subscription through the available account or payment settings.
• We do not currently offer subscription pauses.
• After cancellation, paid features remain available until the end of the applicable paid period, unless the purchase terms state otherwise.
• Once the paid period ends, premium features become unavailable unless you subscribe again.
• You may continue to use the free features of Monzenta where available.

Cancelling a subscription does not automatically delete your account or saved plans.

Where your subscription ends, we intend to retain your saved plans and progress so that they remain available through the relevant free account features.

If you delete your Monzenta account, any active subscription should also be cancelled as part of the deletion process.

Refunds are handled in accordance with applicable law and the terms displayed when you purchase. Nothing in these Terms removes any statutory cancellation or refund rights you may have.

13. Refer a Friend scheme

Monzenta may make a referral scheme available that rewards users for introducing new paying customers.

Where the scheme is available, the specific reward and eligibility conditions will be displayed within Monzenta.

The intended scheme may provide a £5 cash reward to an eligible existing user when a genuinely new customer signs up through their unique referral link and completes their first paid monthly subscription.

A referral reward will only become eligible once:

• The referred person is a genuinely new customer.
• Their first subscription payment has been successfully collected.
• The applicable initial refund period has passed.
• The payment has not been refunded, reversed or disputed.
• The referral has passed relevant validation and fraud checks.

There is no fixed limit on the number of successful referrals a user may make, provided each referral independently meets the scheme requirements.

The following are not eligible:

• Referring yourself.
• Creating duplicate or misleading accounts.
• Referrals involving accounts controlled by the same person where the scheme is being manipulated.
• Fraudulent, fabricated or artificially generated referrals.
• Referrals involving refunded, reversed or disputed subscription payments.

Monzenta may investigate suspicious referral activity and withhold, cancel or recover rewards where there is reasonable evidence of abuse or ineligible activity.

Where a reward is approved, the available payout method and any information needed to make payment will be explained at the time of redemption.

We may amend or withdraw the referral scheme, but will not retrospectively remove a reward that has already become properly payable except where fraud, error or another legitimate reason applies.

14. Complaints and customer support

If you have a problem with Monzenta, you can contact:

hello@monzenta.com

You can contact us about:

• Incorrect or misleading information.
• Planner calculations or technical issues.
• Account or subscription problems.
• Referral rewards.
• Affiliate tracking issues.
• Other concerns about the service.

We aim to acknowledge complaints within two working days and resolve straightforward complaints within five working days.

If an investigation requires information from a third-party provider or affiliate network, it may take longer. We will aim to keep you updated.

Where a complaint concerns a third-party provider's own account, payment or promotion decision, you may also need to contact that provider directly.

However, we will investigate concerns about information or representations made by Monzenta itself.

Where we identify an error, we may correct or remove the inaccurate information, update affected opportunities and take reasonable steps to notify users where appropriate.

We do not promise automatic compensation for every incorrect estimate or third-party offer issue. Any remedy will depend on the circumstances and applicable legal rights.

15. Intellectual property

Monzenta, including its branding, design, website content, software, databases, text, graphics and original materials, is owned by or licensed to Monzenta.

You may use the service for your own personal, non-commercial purposes.

You must not copy, reproduce, distribute, modify or commercially exploit Monzenta materials without prior written permission, except where permitted by law.

Third-party names, logos and trademarks remain the property of their respective owners.

16. Website availability and changes

Monzenta is currently a beta service.

We may:

• Add, change or remove features.
• Update calculations and opportunity information.
• Improve or modify the Planner.
• Temporarily suspend access for maintenance or security reasons.
• Restrict or discontinue particular opportunities.

We will take reasonable steps to maintain the availability and security of the service, but uninterrupted access cannot be guaranteed.

Where practical, we will try to give notice of significant changes or interruptions.

17. Limitation of liability

Nothing in these Terms excludes or limits liability where doing so would be unlawful.

This includes liability for:

• Death or personal injury caused by negligence.
• Fraud or fraudulent misrepresentation.
• Any other liability that cannot legally be excluded or restricted.
• Your statutory rights as a consumer.

Monzenta is not responsible for losses arising solely from a third-party provider's independent actions, decisions, products or services, provided that this does not exclude responsibility for our own acts, omissions or representations.

We are not responsible for losses caused by circumstances outside our reasonable control.

You should not rely on Monzenta estimates as guaranteed earnings, financial advice or a promise that a third-party promotion will pay out.

Nothing in this section removes any responsibility Monzenta has to provide its own services with reasonable care and skill.

18. Privacy and personal information

Our collection and use of personal information is explained in our Privacy Notice.

By using Monzenta, you acknowledge that personal information will be handled in accordance with that Notice and applicable data protection law.

Our Cookie Policy explains how cookies and similar technologies are used and how you can manage your preferences.

19. Changes to these Terms

We may update these Terms to reflect changes to Monzenta, new features, business arrangements or legal requirements.

The latest version will be published on the website with its updated date.

Where a change materially affects your rights or obligations, we will take reasonable steps to bring it to your attention.

Your continued use of Monzenta after updated Terms take effect will be subject to the updated Terms, where permitted by law.

20. Governing law

These Terms are governed by the laws of England and Wales.

If you are a consumer living elsewhere in the United Kingdom, you may also benefit from mandatory protections under the laws of the country where you live.

Nothing in these Terms prevents you from bringing proceedings in a court that has jurisdiction under applicable consumer protection law.

Monzenta

Operated by Patrick Farrell, trading as Monzenta.

Contact: hello@monzenta.com