Terms and Conditions

GROUP – Terms and Conditions of Use

Effective Date: 1 August 2025

Website: www.cabex-fx.com

Email: support@cabex-fx.com

By accessing or using services offered through CABEX GROUP, including CABEX-FX and associated platforms, you acknowledge and agree that you have read, understood, and accepted these Terms and Conditions. Continued use constitutes a binding agreement and full indemnification of CABEX GROUP, its subsidiaries, and partners.

1. Account Use and Compliance Obligations

• All users must complete full KYC/AML verification before using our services.

• Required documents include:

  • Valid Gov Issued Document (Passport, Driving License, National ID Card - showing full name and DOB)

  • Proof of source of funds

  • Recent bank statement

  • Business nature and corporate registration (if applicable)

• CABEX GROUP reserves the right to request additional documents or reject any account or transaction without explanation.

• Accounts may be suspended or terminated at any time at our discretion.

2. Foreign Exchange (FX) Services & Rates

• All FX rates are based on XE.com as the base rate, with a fixed 2% markup applied daily in the morning.

• Additional FX margins may apply for high-risk jurisdictions or restricted currencies.

• Transactions are processed only after compliance approval and receipt of cleared funds.

3. Payment Flow & Settlement Conditions

Closed Currency Countries:

• Local settlement account assigned after KYC approval.

• Funds deposited in local currency, converted to USD, then to final currency if needed.

• Payout within 24–72 hours of cleared funds, subject to cut-off and compliance.

• Proof of deposit required. No upfront settlement details are provided.

Non-Closed Currency Countries:

• Settlements are direct to CABEX GROUP’s multi-currency accounts (USD, EUR, HKD, JPY).

• If another currency is required, USD is used as the base, followed by conversion.

Stablecoin Transactions:

• In restricted countries, clients may independently send stablecoins to CABEX.

• In open countries, CABEX GROUP may facilitate stablecoin-to-fiat conversion (subject to approval).

• All crypto services are subject to local regulatory frameworks and internal review.

4. Fees and Platform Charges

Note: Transaction-specific fees are agreed on a case-by-case basis and may vary based on jurisdiction, volume, and risk. CABEX GROUP reserves the right to change fees at any time.

Banking Fees, Deductions, and Balance Adjustments

CABEX GROUP reserves the right to deduct any applicable fees, charges, or costs from your account or wallet balance at any time, including but not limited to banking charges, transaction fees, compliance costs, reconciliation adjustments, correction of errors, or third-party processing fees. Such deductions may occur without prior notice and shall be considered final.

You acknowledge and agree that your available balance may be adjusted to reflect these deductions, and that CABEX GROUP shall not be liable for any resulting shortfall, delay, or inability to access funds. It is your responsibility to review the published fee schedule and ensure sufficient balances are maintained to cover all applicable fees and charges. 

From time to time, at our sole discretion, a portion of platform fees may be reimbursed as a goodwill gesture. Otherwise, all deposit and platform fees are final and non-refundable.

Tentative Standard Fee Table:

Inbound Transfers

Inbound Fees can vary speak, to your adviser. 

Outbound Transfers

Outbound Fees can vary speak, to your adviser.

Formal Wire Trace

$400 per request

CABEX Users 2 CABEX Users Transfers (Numbered Accounts) 

Free

Securities Account Activation

$1,000

Crypto Buy/Sell Program Activation

Speak to your adviser

Long-Term Yield Account Activation

$1,000 (Min. $50K / 24 mo.)

Hi-Yield Account Activation

$1,000 (Min. $25M / 4 mo.)

Crypto Card's - Metal Card's - Daily Transaction Limit $1 million USDT/USD

Minimum Balance $25,000 - Annual Fee: $200

No Minimum Balance - Annual Fee $400 

Custom Metal Cards : Speak to your account officer. 

Virtual Cards

Speak to your advisor. 

Trust & Escrow Services

Up to 3% of escrow value. Fee very speak to your adviser.

Entity Formation (All-inclusive)

$15,000 per entity

On-Ramp and Off-Ramp Crypto Fees: A standard fee of 2% applies, in addition to the applicable FX rate on the day of the transaction. Additional gas/network fees may also apply depending on the blockchain used.

Please note that all crypto transactions and wallet balances are held on the platform and are subject to market fluctuations. We are not liable for any change in value, and final wallet balances may vary based on real-time asset performance.

We reserve the right to adjust or modify your balance without prior notice for the purposes of correction, reconciliation, or any applicable adjustments. All fees, including platform, network, and third-party charges, may be deducted at any time once funds are received.

5. Credit/Debit Card Payments, Wallet Top-Ups & Float Retention

• All card and wallet top-up transactions maybe subject to a 15% withholding float held for 185 days.

• High-risk transactions may require additional floats without prior notice.

• CABEX GROUP may retain floats for longer at its sole discretion.

• If a transaction in breach, incomplete, or fraudulent, the float may be forfeited entirely.

6. Crypto & Investment Transactions

• FX, crypto, and investment services carry significant risk. Rates are subject to change. Contact us for more details.

• Users must conduct independent due diligence and comply with local laws and tax obligations.

7. Liability & Indemnification

• CABEX GROUP, its subsidiaries, and affiliates are not liable for:

  • Delays due to compliance or banking partners

  • FX rate discrepancies

  • Service interruptions or rejections

  • Fraud, chargebacks, or user errors

• Users agree to fully indemnify CABEX GROUP and its affiliates for all claims, losses, or regulatory penalties arising from use of our services or platform.

8. Amendments

CABEX GROUP may amend these Terms and Conditions at any time without prior notice. Continued use of our services after updates constitutes full acceptance of the revised terms.

9. Governing Law

These Terms are governed by the laws of the jurisdiction in which the account or service is held. All disputes shall be resolved in the courts of that jurisdiction.

10. Legal & Regulatory Disclaimer

CABEX GROUP is the operational name of Cable Exchange Group and its licensed subsidiaries:

• Registered with FINCEN (USA) – MSB License No. 31000293028228

• Licensed by ESABER INVEST HOLDING SARL (Morocco) – RC No. 108769

• moneyIN Global Inc. Registered in Canada with FINTRAC – MSB License No. C100000471

All financial services are conducted in accordance with applicable AML, CFT, and financial compliance laws in each operating jurisdiction.

11. Acknowledgment

By using CABEX GROUP services (and affiliated companies) or accessing our platform (www.cabex-fx.com), you confirm that you:

• Have read and understood these Terms and Conditions

• Accept all platform fees, risks, and compliance obligations

• Fully indemnify CABEX GROUP and its affiliates from any losses or claims arising from your use

12. Right to Suspend, Terminate, or Amend Services

CABEX GROUP reserves the right, at its sole discretion, to suspend, restrict, amend, or permanently close any account, card, service, programme, promotion, or feature provided, at any time and without prior notice. This includes, but is not limited to, payment services, cards, free or promotional programmes, loyalty rewards, and other related features. CABEX GROUP is under no obligation to provide any reason or justification for such actions, whether these decisions are based on regulatory requirements, compliance obligations, security concerns, risk management, or internal business considerations.

By using our services, you acknowledge and agree that CABEX GROUP is not liable to you or any third party for any losses, claims, or damages arising from the suspension, amendment, restriction, or closure of your account or any related services, and that such actions are final and not subject to dispute.

13. Right to Refuse Service

CABEX GROUP reserves the right to decline to open, maintain, or continue any account or service for any individual or entity, at its sole discretion and without obligation to provide a reason. This right applies at any stage, including application, onboarding, or ongoing account operation. By applying for or using our services, you acknowledge and agree that CABEX GROUP shall not be liable for any refusal to provide services.

14. Changes to Terms and Conditions

CABEX GROUP reserves the right, at its sole discretion, to amend, update, or replace these Terms and Conditions at any time, without prior notice. Any changes will take effect immediately upon publication on the official website or mobile application, unless otherwise stated. By continuing to use our services after such changes, you acknowledge and agree to be bound by the updated Terms and Conditions. It is your responsibility to review the Terms and Conditions regularly to stay informed of any updates.

Premium Rewards Program – General Website Terms & Conditions

These terms apply to any user applying for, enquiring about, or participating in the CABEX-FX | moneyIN Global Inc. Premium Rewards Program (the “Program”).

By accessing or using any part of the Program through this website, you agree to be bound by these terms, in addition to the general moneyIN Neo Banking Terms & Conditions. The Program is a private offering and may only be accessed by verified and approved participants.

1. Program Availability & Discretion

The Program is offered at the sole discretion of CABEX-FX | moneyIN Global Inc. It may be modified, suspended, or terminated at any time, without prior notice. Any updates to these terms or the Program structure will be published on the official CABEX-FX website and shall take immediate effect upon posting.

While existing approved participants will continue to receive Program benefits in line with their signed agreements, the Platform retains the right to suspend or close new applications at any time.

2. Charges, Fees & Currency Handling

Participants are responsible for ensuring that all transfers, deposits, or payments are received net of any banking charges, currency conversion fees, SWIFT costs, or other third-party fees.

To avoid delays or shortfall in processing, participants are advised to add an additional margin (typically 2%) to their deposit amount to cover such fees.

All program-related fees, charges, or deposits are final and will not be refunded under any circumstances, including cases where an application is rejected, cancelled, or withdrawn.

3. Program Approval & Start Date

Participation does not begin upon deposit or application. A Participant will only be considered enrolled once:

• All documentation is reviewed and approved,

• Compliance and KYC/AML checks are completed,

• The deposit has cleared, and

• The Platform has issued an official written Program Start Date.

Following that Start Date:

• The first reward will be made approximately 45 days later,

• The remaining 11 scheduled reward deposits will be viewable in the user’s official CABEX-FX dashboard.

4. Participation Limits & Duplicate Applications

Each Participant may only hold one active Program agreement per approval cycle. Applying for multiple programs simultaneously without explicit written authorisation from CABEX-FX | moneyIN is strictly prohibited.

Any unauthorised application—especially those submitted directly through the user dashboard once a Program is already active—may be considered invalid. In such cases:

• The new application may not be honoured,

• Funds submitted may be blocked or delayed, and

• The Platform is under no obligation to refund, reactivate, or transfer such funds until reviewed.

Participants wishing to apply for multiple Programs must submit a new application and obtain separate written approval.

5. Changes to Terms

CABEX-FX | moneyIN reserves the right to amend these terms at any time. The latest version will always be available on the official website. By continuing to access the website or Program, you agree to be bound by the updated terms.

It is your responsibility to review this section regularly. Continued use of the Program or dashboard constitutes acceptance of the latest posted terms.

6. Reward Points, Currency Display & Settlement Process

Participant deposits into the Program are first recorded as Reward Points, which are reflected in the CABEX-FX dashboard and displayed in USD for consistency and ease of reference.

These Reward Points represent the participant’s position within the Program and are used to calculate scheduled reward payouts. While displayed as USD, they do not represent immediately withdrawable funds. Full principal and reward balances remain locked until the end of the Program period, in line with the agreement terms.

Rewards are automatically converted and disbursed in USD to the participant’s nominated receiving account, unless the participant provides written instructions in advance to receive the rewards in another supported currency or cryptocurrency. Additional fees, conversion charges, or delays may apply for alternative currency or crypto payouts.

For regulatory and operational reasons, certain reward disbursements may be processed via our authorised treasury and clearing accounts, including those held in Hong Kong. This allows for proper cross-border settlement and ensures full compliance with international financial standards.

Participants are not required to take any action for this process, and no additional fees apply unless a non-USD conversion is requested.

7. Disclaimer

The Premium Rewards Program is a private support initiative created by CABEX-FX | moneyIN Global Inc. It does not constitute an investment, a public offering, or a public government program. Participation is subject to verification and approval, and benefits are disbursed based on the structure outlined at the time of official acceptance. 

All reward or active programs, amounts displayed or calculated under any active program including the Premium Rewards Program are gross of any applicable platform, processing, or banking fees. These fees are not included in the displayed reward value and will be automatically deducted from the Participant’s deposit at the time of credit or within thirty (30) calendar days, unless otherwise agreed in writing with the Platform.

8. Confidentiality, Non-Disclosure, and Breach Policy

8.1 Confidentiality Obligation

All information, documentation, terms, fee structures, communications, and agreements related to the Participant’s engagement with any program—including but not limited to the Premium Rewards Program—are strictly confidential and proprietary to CABEX-FX, moneyIN Global Inc., and their affiliates, partners, and subsidiaries.

8.2 Non-Disclosure Period

Participants agree that they shall not, without the prior consent of the Platform, disclose, share, reproduce, forward, publish, or otherwise disseminate any portion of their agreement(s), statements, fee structures, platform documentation, or program-related materials to any third party for a minimum period of ten (10) years, including after the conclusion or expiry of the program.

8.3 Non-Circumvention and Private Arrangement Protection

Participants further agree not to disclose, discuss, or compare any private fee arrangements or custom terms they have received under their specific onboarding. Such terms may vary based on individual assessment, jurisdiction, or treasury policies and are not open for public comparison.

8.4 Breach Consequences

Any Participant found to have disclosed or circulated program-related documents, misrepresented the program, or otherwise violated this confidentiality clause shall be considered in material breach of their agreement. As a result:

• All accrued or scheduled rewards will be forfeited.

• The Participant’s principal deposit will be returned less applicable banking fees. Upon Investigation being successfully completed. 

• An additional 2% penalty will be imposed and deducted from the principal.

• The Participant’s account may be suspended or permanently terminated, pending outcome of a full internal investigation.

8.5 Investigation Process and Enforcement

The Platform reserves the right to initiate a full investigation into any suspected breach. Investigations may take up to twenty-four (24) months, during which time the Participant’s account and any related transactions may be paused, withheld, or frozen without explanation. The Platform may suspend, delay, revoke, or close any program or service access during the review process at its sole discretion and without prior notice.

8.6 No Legal Recourse Against Platform

By agreeing to participate in any CABEX-FX | moneyIN Global Inc. program, the Participant waives any right to initiate legal proceedings against the Platform, its directors, employees, or affiliates in connection with any suspension, delay, or termination arising under this clause. All such actions are considered final and non-contestable.

8.7 Ongoing Application Across All Programs

This clause applies universally across all current, future, and past programs, services, or contracts issued by or affiliated with CABEX-FX, moneyIN Global Inc., or any of their subsidiaries. This includes but is not limited to the Premium Rewards Program, moneyIN Global Inc Program, Structured Loyalty Programs, and any private client arrangements.

8.8 Indemnification

The Participant agrees to fully indemnify and hold harmless CABEX-FX, moneyIN Global Inc., and any associated officers, directors, and affiliates against any claims, losses, legal costs, damages, or liabilities arising from a breach of this clause.

8.9 Consent Required for Any Disclosure

Participants may only discuss, disclose, or share any aspect of their program—including terms, fees, documents, or communications—with the prior explicit consent of an authorized representative of the Platform. Verbal, informal, implied, or assumed permissions are not valid under any circumstances.

Payment, Deposit, Clearance, and Rewards Processing

Balance Display vs. Spendable Funds

Funds, deposits, and rewards may appear in your Platform account balance upon receipt or issuance. However, balances displayed do not automatically imply availability for withdrawal, conversion, or outward transfer. All amounts must first clear through applicable payment networks or treasury channels.

Clearance Period

All payments and deposits are subject to a standard clearance period based on Banking Days, which exclude weekends, public holidays, and bank holidays in the jurisdiction relevant to the treasury or payout account being used. Clearance times may vary by currency, payment method, or jurisdiction.

Outbound Payment Cut-Off

All outbound payment requests submitted after 10:00 AM Eastern Standard Time (EST) will be processed on the following Banking Day. Requests made prior to this cut-off may still be delayed due to compliance checks or partner institution processing schedules.

Jurisdictional Variations in Holidays

Banking and public holidays vary by jurisdiction and by treasury account location. The Platform will make reasonable efforts to notify Participants of any foreseeable delays. However, the Platform bears no responsibility for such delays and cannot guarantee real-time clearance in all cases.

Indemnification Against Delays

By using the Platform, the Participant agrees to hold CABEX-FX, moneyIN Global Inc., and their affiliates harmless from any claims, liabilities, or damages arising from delays in clearance, deposit processing, payout execution, or third-party banking disruptions.

Reward Program Timing

Monthly rewards for approved Program Participants are scheduled and issued every 31 Banking Days following the Program Start Date. “Banking Days” exclude weekends, public holidays, and bank holidays. While rewards may be reflected in your account balance on or around the scheduled date, they may not be available for withdrawal or conversion if that date falls on a non-Banking Day.

Participant Responsibility

It is the responsibility of each Participant to monitor their account and allow sufficient time for payment processing, especially when requesting time-sensitive transactions or conversions.

Important Notice on Banking and Platform Fees

All banking and platform service fees are strictly non-refundable, regardless of whether a Participant proceeds with a program, services or programs is declined during the compliance or approval process. These fees cover separate administrative, treasury, and onboarding services rendered at the time of deposit and are not conditional on program acceptance.

Programs offered by CABEX-FX and moneyIN Global Inc. are only available to approved and verified clients within our platform. By becoming a registered user of CABEX-FX or moneyIN Global Inc., you automatically agree to our Terms and Conditions, as published on our official website. Any signed contracts, agreements, or program documents are considered an extension of these Terms and Conditions and subject to the same governing provisions.

CABEX-FX | moneyIN Global Inc reserves all rights.