Moneybookers !!!!!!!!!!!!!

edes pankki.

Capital requirements & liquidity — Our business is required to maintain minimum levels of capital. There is an initial and continuous threshold of € 1 million own funds (approx £ 615, 000). We must also hold sufficiently liquid assets to be able to redeem all e-money issued and to meet our working capital requirements.
Float Management — There is a clear set of regulations on how we can invest the funds received in exchange for the issue of e-money; this is essentially limited to pre-defined low-risk and highly liquid forms of investment such as Zone A government bonds with short maturity.
Management & Vetting at Entry — Our management is scrutinised by the FSA and all individuals who perform key functions within our business need to be approved by the FSA as "fit and proper". Significant responsibilities such as finance and technical development and money laundering reporting must be apportioned between senior staff.
Systems & Controls — We must protect our businesses from technological risks such as unauthorised creation, transfer or redemption of e-money. Care must be taken to implement systems and policies to ensure compliance with the FSA's codes of practice. As a regulated company, any e-money issuer must comply with the FSA's principles for business which include observing proper standards of market conduct, arranging adequate customer complaint procedures and having in place adequate risk management systems.
Money Laundering — The United Kingdom is part of a wider international effort to meet the challenges of restricting criminal access to the financial system, and participates in international talks to make sure the rules remain effective. New international recommendations were issued in 2003, and in turn the European Union adopted the Third Money Laundering Directive. The UK Government has now implemented new Regulations in the UK to give effect to the European Directive, the Money Laundering Regulations 2007.

The Money Laundering Regulations 2007 require firms to put preventative measures in place. They require firms to ensure that they know their customers (including conducting customer identification and verification and undertake ongoing monitoring where applicable), to keep records of identity and to train their staff on the requirements of the Regulations. A senior member of staff needs to be appointed and approved by the FSA to oversee appropriate policies and procedures.

Limitation on Business Activity — e-money issuing must be legally and operationally ‘ring-fenced’ from any other area of business risk, e.g. granting credit is disallowed.


1 GENERAL TERMS & CONDITIONS

1. Stipulations
1.1. It is a condition of membership that the Customer agrees to these Terms of Use (the "Terms of Use" or "Agreement"), which form a legally binding contract, in order to become a Customer of Moneybookers. As Moneybookers’ business is constantly evolving and Moneybookers introduces new products and services over time, these Terms of Use may be amended from time to time. Moneybookers reserves the right to amend these Terms of Use at any time by posting the amended Terms of Use on the Moneybookers website. Amended Terms of Use shall become effective 30 days after they are posted on the Moneybookers website. Changes will be posted on the Terms of Use Updates page on the Moneybookers website. Customer may review changes at any time by clicking on the Terms of Use Update section on the Moneybookers website. Customer may review the current Terms of Use prior to initiating any transaction at any time by clicking on the Terms of Use section on the Moneybookers website. A revision will not affect any transaction that is outstanding as of the date of such revision.

1.2. The Parties to this Agreement and participants in each transaction are an individual person or legal entity (the 'Customer') and Moneybookers Ltd. (the 'Company' or 'Moneybookers'), a company registered in England and Wales under no 4260907 with registered office in Welken House, 10-11 Charterhouse Square, London, EC1M 6EH, United Kingdom which offers an electronic money service in accordance with the applicable legislation of the United Kingdom, Great Britain and Northern Ireland.

1.3. Moneybookers and the Customer are the only parties who may rely on or enforce these Conditions and for this reason the Contract (Rights of Third Parties) Act 1999 is excluded.



2. Description of Service
2.1. Moneybookers operates an electronic money service that allows Customer to send and receive payments (the "Service"). Funds held on Customer's online stored value account are electronic money in accordance with the EU E-Money Directive. The balance of Customer's electronic money account is redeemable at any time and shall be disposed of only in accordance with his/her instructions given via the Moneybookers user interface.

2.2. Moneybookers is regulated by the Financial Services Authority (FSA) of the United Kingdom as an Electronic Money Issuer and is subject to the applicable rules and regulations.

2.3. All fees are set forth in a separate Fee Schedule published at any time on Moneybookers web site being subject to change following the procedure as set forth in paragraph 1.1. at Moneybookers' sole discretion.

2.4. Funds stored on the Customer's user account have no expiration date.

2.5. Customer acknowledges, that (i) Moneybookers is not a bank; (ii) Accounts are not insured by any government agency; (iii) Moneybookers does not act as a trustee, fiduciary or escrow holder in respect of balances in your account; and (iv) Moneybookers does not pay interest on any balances in the Customer account.



3. Membership
3.1. Customer and in case of a legal person the authorised representative must be at least 18 years old to use the Moneybookers Service.

3.2. Customer may only open an account by completing the online membership application form. A Customer must maintain an active address, phone number and email address to become a Customer and may not provide any false, inaccurate, incomplete or misleading information. Customer must not provide any name, bank account or credit card that he is not legally authorised to use. Customer is responsible to ensure that the details provided at registration and later are kept up to date. Moneybookers reserves the right to request further information pertaining to Customer’s account at any time. Failure to supply such information may result in limitation on usage of the Service or suspension of the account.

3.3. Each person is only entitled to open one account. The Company reserves the right to close the account of any Customer who has opened multiple accounts on his/her name.

3.4. There is no interest paid on any monies held in a Customer account.

3.5. Some Customers may be eligible to participate in a bonus programs. Said bonus programs, as to their conditions, amount and issuance, shall be subject to the discretion of the Company, and shall be non-transferable and non-refundable. Any bonus offered by the Company is limited to one per household.

3.6. Company will ensure that all personal details of the Customer are held in accordance with the Data Protection Act 1998 and the Company's published privacy statement.

3.7. By opening an account, Customer will be able to, subject to payment of any applicable fees, upload money to be credited to his/her account, to send money to and receive money from Merchants or other Customers and withdraw money from his/her account.

3.8. Moneybookers reserves the right in its own discretion to charge a fee for receiving money if a customer is using the account for commercial purposes.

saa rikkoo kirjoitti:

Capital requirements & liquidity — Our business is required to maintain minimum levels of capital. There is an initial and continuous threshold of € 1 million own funds (approx £ 615, 000). We must also hold sufficiently liquid assets to be able to redeem all e-money issued and to meet our working capital requirements.
Float Management — There is a clear set of regulations on how we can invest the funds received in exchange for the issue of e-money; this is essentially limited to pre-defined low-risk and highly liquid forms of investment such as Zone A government bonds with short maturity.
Management & Vetting at Entry — Our management is scrutinised by the FSA and all individuals who perform key functions within our business need to be approved by the FSA as "fit and proper". Significant responsibilities such as finance and technical development and money laundering reporting must be apportioned between senior staff.
Systems & Controls — We must protect our businesses from technological risks such as unauthorised creation, transfer or redemption of e-money. Care must be taken to implement systems and policies to ensure compliance with the FSA's codes of practice. As a regulated company, any e-money issuer must comply with the FSA's principles for business which include observing proper standards of market conduct, arranging adequate customer complaint procedures and having in place adequate risk management systems.
Money Laundering — The United Kingdom is part of a wider international effort to meet the challenges of restricting criminal access to the financial system, and participates in international talks to make sure the rules remain effective. New international recommendations were issued in 2003, and in turn the European Union adopted the Third Money Laundering Directive. The UK Government has now implemented new Regulations in the UK to give effect to the European Directive, the Money Laundering Regulations 2007.

The Money Laundering Regulations 2007 require firms to put preventative measures in place. They require firms to ensure that they know their customers (including conducting customer identification and verification and undertake ongoing monitoring where applicable), to keep records of identity and to train their staff on the requirements of the Regulations. A senior member of staff needs to be appointed and approved by the FSA to oversee appropriate policies and procedures.

Limitation on Business Activity — e-money issuing must be legally and operationally ‘ring-fenced’ from any other area of business risk, e.g. granting credit is disallowed.


1 GENERAL TERMS & CONDITIONS

1. Stipulations
1.1. It is a condition of membership that the Customer agrees to these Terms of Use (the "Terms of Use" or "Agreement"), which form a legally binding contract, in order to become a Customer of Moneybookers. As Moneybookers’ business is constantly evolving and Moneybookers introduces new products and services over time, these Terms of Use may be amended from time to time. Moneybookers reserves the right to amend these Terms of Use at any time by posting the amended Terms of Use on the Moneybookers website. Amended Terms of Use shall become effective 30 days after they are posted on the Moneybookers website. Changes will be posted on the Terms of Use Updates page on the Moneybookers website. Customer may review changes at any time by clicking on the Terms of Use Update section on the Moneybookers website. Customer may review the current Terms of Use prior to initiating any transaction at any time by clicking on the Terms of Use section on the Moneybookers website. A revision will not affect any transaction that is outstanding as of the date of such revision.

1.2. The Parties to this Agreement and participants in each transaction are an individual person or legal entity (the 'Customer') and Moneybookers Ltd. (the 'Company' or 'Moneybookers'), a company registered in England and Wales under no 4260907 with registered office in Welken House, 10-11 Charterhouse Square, London, EC1M 6EH, United Kingdom which offers an electronic money service in accordance with the applicable legislation of the United Kingdom, Great Britain and Northern Ireland.

1.3. Moneybookers and the Customer are the only parties who may rely on or enforce these Conditions and for this reason the Contract (Rights of Third Parties) Act 1999 is excluded.



2. Description of Service
2.1. Moneybookers operates an electronic money service that allows Customer to send and receive payments (the "Service"). Funds held on Customer's online stored value account are electronic money in accordance with the EU E-Money Directive. The balance of Customer's electronic money account is redeemable at any time and shall be disposed of only in accordance with his/her instructions given via the Moneybookers user interface.

2.2. Moneybookers is regulated by the Financial Services Authority (FSA) of the United Kingdom as an Electronic Money Issuer and is subject to the applicable rules and regulations.

2.3. All fees are set forth in a separate Fee Schedule published at any time on Moneybookers web site being subject to change following the procedure as set forth in paragraph 1.1. at Moneybookers' sole discretion.

2.4. Funds stored on the Customer's user account have no expiration date.

2.5. Customer acknowledges, that (i) Moneybookers is not a bank; (ii) Accounts are not insured by any government agency; (iii) Moneybookers does not act as a trustee, fiduciary or escrow holder in respect of balances in your account; and (iv) Moneybookers does not pay interest on any balances in the Customer account.



3. Membership
3.1. Customer and in case of a legal person the authorised representative must be at least 18 years old to use the Moneybookers Service.

3.2. Customer may only open an account by completing the online membership application form. A Customer must maintain an active address, phone number and email address to become a Customer and may not provide any false, inaccurate, incomplete or misleading information. Customer must not provide any name, bank account or credit card that he is not legally authorised to use. Customer is responsible to ensure that the details provided at registration and later are kept up to date. Moneybookers reserves the right to request further information pertaining to Customer’s account at any time. Failure to supply such information may result in limitation on usage of the Service or suspension of the account.

3.3. Each person is only entitled to open one account. The Company reserves the right to close the account of any Customer who has opened multiple accounts on his/her name.

3.4. There is no interest paid on any monies held in a Customer account.

3.5. Some Customers may be eligible to participate in a bonus programs. Said bonus programs, as to their conditions, amount and issuance, shall be subject to the discretion of the Company, and shall be non-transferable and non-refundable. Any bonus offered by the Company is limited to one per household.

3.6. Company will ensure that all personal details of the Customer are held in accordance with the Data Protection Act 1998 and the Company's published privacy statement.

3.7. By opening an account, Customer will be able to, subject to payment of any applicable fees, upload money to be credited to his/her account, to send money to and receive money from Merchants or other Customers and withdraw money from his/her account.

3.8. Moneybookers reserves the right in its own discretion to charge a fee for receiving money if a customer is using the account for commercial purposes.

Et voi tosissasi olla niin lapsellinen että kuvittelet rahalaitoksen itse kirjoittamien sääntöjen rikkomisesta joutuvan oikeuteen.

Kannattaisi hiukan opetella lainsäädännön ja sopimusoikeuden eroja. Moneybookersin säännöt on vähän samaa tasoa kuin ravintolan sääntö jonka mukaan päihtyneille ei myydä. Kyllä myydään kunhan on rahaa.

-Bart kirjoitti:

Et voi tosissasi olla niin lapsellinen että kuvittelet rahalaitoksen itse kirjoittamien sääntöjen rikkomisesta joutuvan oikeuteen.

Kannattaisi hiukan opetella lainsäädännön ja sopimusoikeuden eroja. Moneybookersin säännöt on vähän samaa tasoa kuin ravintolan sääntö jonka mukaan päihtyneille ei myydä. Kyllä myydään kunhan on rahaa.

Mitä sääntöjä MB:n väitetään nyt rikkoneen? Eihän se, että MB siirsi rahaa asiakkaan A tililtä asiakkaan B (Hannu K.) tilille tai päinvastoin ole omien sääntöjen rikkomista?

... kirjoitti:

Mitä sääntöjä MB:n väitetään nyt rikkoneen? Eihän se, että MB siirsi rahaa asiakkaan A tililtä asiakkaan B (Hannu K.) tilille tai päinvastoin ole omien sääntöjen rikkomista?

"6.6. It is strictly forbidden to send payments in order to pay for:
...
illegal multi-level marketing and pyramid selling services or ponzi schemes, matrix programs, other “get rich quick” schemes or High-Yield Investment Programs (HYIP) as well as "

Kuten sanottu, itse laatimiaan sääntöjä voi aina venyttää mikäli asiakas maksaa tarpeeksi hyvin.

-Bart kirjoitti:

Et voi tosissasi olla niin lapsellinen että kuvittelet rahalaitoksen itse kirjoittamien sääntöjen rikkomisesta joutuvan oikeuteen.

Kannattaisi hiukan opetella lainsäädännön ja sopimusoikeuden eroja. Moneybookersin säännöt on vähän samaa tasoa kuin ravintolan sääntö jonka mukaan päihtyneille ei myydä. Kyllä myydään kunhan on rahaa.

Perehtymättä MB:n sääntöihin toteaisin kuitenkin yleisesti ettei kirjoittamassasi viestissä ollut ns. mitään mieltä. Jos asiakas hyväksyy pankin tarjoaman sopimuksen (rekisteröityminen) niin molemmat osapuolet voivat luottaa sopimuksen ehtoihin. MB:LLÄ on todennäköisesti mahdollisuus pieniin muutoksiin sääntöjä esim. päivittäessään mutta tästäkin on oltava maininta sopimuksessa. Vastuunrajoitus ainakin löytyy. Se että alkoholia ei anniskella päihtyneelle on säädetty lainsäädännössä eikä ravintolan toisenlainen toiminta (myynti) tee asiaa millään muotoa lailliseksi.

-Bart kirjoitti:

"6.6. It is strictly forbidden to send payments in order to pay for:
...
illegal multi-level marketing and pyramid selling services or ponzi schemes, matrix programs, other “get rich quick” schemes or High-Yield Investment Programs (HYIP) as well as "

Kuten sanottu, itse laatimiaan sääntöjä voi aina venyttää mikäli asiakas maksaa tarpeeksi hyvin.

Eihän tuota sääntöä ole MB rikkonut vaan asiakkaat. Siinähän kielletään asiakkaita lähettämästä rahaa pyramidipeleihin ym. kusetuksiin. Jos MB:tä syytettäisiin jostain, he vetoavat siihen, että kyllä meidän säännöissä kiellettiin tällaiset puuhat asiakkailta... rahanpesua koskeva lainsäädäntöä kyllä voi iskeä MB:hen pahemmin kun nuo omat säännöt.

simpsonthc kirjoitti:

Perehtymättä MB:n sääntöihin toteaisin kuitenkin yleisesti ettei kirjoittamassasi viestissä ollut ns. mitään mieltä. Jos asiakas hyväksyy pankin tarjoaman sopimuksen (rekisteröityminen) niin molemmat osapuolet voivat luottaa sopimuksen ehtoihin. MB:LLÄ on todennäköisesti mahdollisuus pieniin muutoksiin sääntöjä esim. päivittäessään mutta tästäkin on oltava maininta sopimuksessa. Vastuunrajoitus ainakin löytyy. Se että alkoholia ei anniskella päihtyneelle on säädetty lainsäädännössä eikä ravintolan toisenlainen toiminta (myynti) tee asiaa millään muotoa lailliseksi.

Kyseisessä tapauksessa puhutaan siitä, että MB säännöissään kieltää maksujen lähettämiseen ponzi- ja HYI -kuvioissa. MB voi kuitenkin sietää asiakkaan sopimusrikkomuksia niin paljon kuin haluaa eikä se ole mitenkään laitonta. Vaikka säännöt antavatkin MBlle mahdollisuuden purkaa tällöin sopimus, on sen itsensä harkinnassa tekeekö se niin vai ottaako mieluummin rahat.