Terms of service

Last updated: 10 October 2026

1. General

These terms apply to orders placed through the MONIY online store, operated by Moniy Oy, Finnish Business ID: 3593982-7, registered office: Turku, Finland.

For information about cancellations, returns and refunds, please see our Refund policy.

2. Delivery Area

MONIY delivers to the countries available at checkout. Available delivery destinations and any delivery restrictions are shown before the order is confirmed.

3. Delivery Methods and Estimated Delivery Times

Available delivery methods and estimated delivery times are shown at checkout before the order is confirmed.

The displayed estimate includes the carrier’s estimated delivery time plus one business day for order processing.

Delivery times are estimates. If your order is delayed, please contact MONIY so we can help resolve the issue. Your statutory rights in the event of a delay remain unaffected.

4. Delivery Costs

Delivery is free when the total price of the products exceeds €100 after discounts have been applied. Delivery charges do not count towards this threshold.

For orders in other currencies, eligibility for free delivery is calculated using the discounted product total converted to euros.

For orders that do not qualify for free delivery, the delivery cost is shown at checkout before the order is confirmed.

5. Order Processing

We process orders on business days after payment has been authorised or the selected payment arrangement has been approved.

If a payment issue or suspected fraud requires verification, we may pause processing while we investigate.

If a technical error or availability issue affects your order, we will contact you promptly to explain the situation and arrange a resolution in accordance with applicable consumer protection law.

If an order is cancelled, any payment collected for the cancelled products and any refundable delivery charges will be returned without undue delay. This does not limit your statutory rights.

6. Transfer of Risk

MONIY is responsible for loss or damage during delivery until you, or a person you have authorised to receive the order other than the carrier, takes physical possession of the products.

7. Inspection of Delivery and Transport Damage

Please inspect your order after receiving it.

If the package or product is damaged, an item is missing, or you receive the wrong product, contact MONIY using the contact form on our FAQ page. Please include your order details and relevant photos, and keep the products and packaging while we investigate.

You do not need to contact the carrier yourself. MONIY will handle the matter with the carrier.

Please report any problem as soon as reasonably possible. This request does not shorten your statutory time limits for reporting defects. A defect may always be reported within two months of discovering it.

8. Uncollected Deliveries

Not collecting a package does not, by itself, cancel the order. If you wish to cancel, you must notify MONIY.

If you do not collect the package and have not notified us of cancellation, we may deduct the actual and direct delivery, return transport and handling costs caused by the uncollected shipment from your refund, where permitted by law.

These charges do not apply when the failed delivery is caused by MONIY or the carrier.

9. Exceptional Circumstances

Events beyond our reasonable control, such as natural disasters, strikes or government restrictions, may affect delivery. If this happens, we will inform you of any significant delay and take reasonable steps to resolve the situation.

Such circumstances do not automatically remove MONIY’s responsibility. Any limitation of liability applies only to the extent permitted by law. Your statutory rights, including any right to cancel because of a delivery delay and receive a refund, remain unaffected.

10. Gift Cards

MONIY digital gift cards are delivered by email. Purchased gift cards are valid for 12 months from the date of purchase. Gift cards provided free of charge by MONIY are valid for 12 months from the date of issue.

Only one gift card provided free of charge by MONIY, including gift cards won in competitions or giveaways, may be used per order.

This restriction does not apply to purchased gift cards. Multiple purchased gift cards may be used in the same order, including together with one gift card provided free of charge by MONIY.

Gift cards cannot be exchanged for cash, except where required by law. For information about cancelling a gift card purchase and refunds for products paid for with a gift card, please see our Refund policy.

11. Governing Law

These terms are governed by Finnish law.

Nothing in these terms limits your rights under mandatory consumer protection legislation, including any mandatory protections that apply in your country of residence.