Terms & Conditions

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These Terms & Conditions ("Terms") govern your access to and use of Monerica.com and its associated pages (the "Site"). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

What Monerica Is

Monerica.com is an informational directory that documents businesses, services, and tools that accept Monero (XMR) and other cryptocurrencies. The project focuses on privacy-respecting commerce and censorship-resistant payments.

Monerica does not process payments, provide financial services, custody funds, or act as an intermediary. All information is collected from publicly available sources and community research. The Site is provided for informational purposes only.

No Illegal Activity

Illegal activity is not allowed on Monerica. You may not use the Site to promote, offer, arrange, or facilitate anything that is unlawful, and you may not submit listings, reviews, replies, or any other content that does so. Monerica lists lawful businesses, services, and projects; a listing that is found to be engaged in illegal activity will be removed.

You are responsible for following the laws that apply to you. Laws differ between countries and regions, and something that is legal in one place may be restricted or illegal in another. Before you use any listed business or service, it is your responsibility to make sure that doing so is legal where you live, including any rules on age, gambling, adult content, medicine, firearms, cryptocurrency, and taxes. Monerica does not give legal advice.

No Account & No KYC

Monerica requires no registration, no account, and no identity verification (KYC) to browse or use the directory. We do not ask for, and you do not need to provide, your name, government ID, address, phone number, or any other personal information to read listings, search the directory, or navigate the Site. Consistent with Monero's privacy-first ethos, the Site is designed to be used freely and anonymously, including over the Tor network.

Where you choose to interact with a listed third party, any identity or verification requirements are set by that third party — not by Monerica. To help you assess this, many listings include a KYC policy label describing whether that service is known to require identity verification. These labels are informational and are based on community research; always confirm directly with the service.

Payments & Transaction Data

Monerica is not part of your transactions with listed businesses. When you pay a business you found on Monerica, you pay them directly. Monerica does not process, see, hold, or store those payments or any record of them.

Monerica only accepts Monero (XMR). Payments made to Monerica itself, such as sponsorships and optional donations, are accepted in Monero only. For these, we keep only the order record needed to deliver what you paid for: the amount, the date, the order status, and an email address only if you choose to give one. We do not keep your wallet details, and we do not log visitors’ IP addresses.

Listings & Statuses

Listings and their statuses (such as Admitted, Verified, Questionable, or Scam) are provided to help users assess risk and reliability. These statuses are informational only and do not constitute endorsements, recommendations, or financial, legal, or investment advice. You are solely responsible for evaluating any service before using it, and you use third-party services entirely at your own risk.

Third-Party Services, Links & Affiliate Disclosure

The Site links to independent third-party websites and services that Monerica does not own or control. We are not responsible for the content, availability, practices, or conduct of any third party, and any dealings you have with them are solely between you and that third party.

Some listings and links may include affiliate or referral links, meaning Monerica may receive a commission if you visit or use certain services through those links, at no additional cost to you. Affiliate relationships do not influence listing inclusion, categorization, or status ratings.

Acceptable Use

You agree not to misuse the Site, including by attempting to disrupt or gain unauthorized access to it, scraping it in a manner that degrades service, or using it for any unlawful purpose (see No Illegal Activity). Any information you submit to the directory must be accurate and lawful and is subject to review; Monerica may edit, decline, or remove any submission or listing at its sole discretion.

You represent that you are of legal age and are permitted under the laws of your jurisdiction to access the content you view and to use any third-party service you choose to engage through the Site. Some listed categories and third-party services are intended only for adults or may be restricted or unlawful in your location; it is your responsibility to comply with the laws that apply to you.

Reviews & Content Moderation

Reviews are meant to reflect real, independent experiences. All reviews are moderated, and Monerica may edit, hide, or remove any review, reply, or other user-submitted content at its sole discretion.

If we believe reviews on a listing are paid for, incentivized, fake, coordinated, or otherwise manipulated — whether by the listed service, a competitor, or anyone else — Monerica may remove the affected reviews and disable reviews on that listing, temporarily or permanently. We may also require additional verification before reviews are published. These decisions are made to protect users and the integrity of the directory; we are not required to disclose the evidence behind them, and they may affect a listing’s status or sponsorship eligibility.

Reporting Illegal Activity

If you believe a listing, review, or anything else on the Site involves illegal activity, a scam, or harm to users, please tell us using the Report a Problem button on the listing or through our contact page. Include as much detail as you can, such as links and dates.

Monerica will review every report and take action when it is warranted. Depending on what we find, that can include removing the listing, marking it as Questionable or Scam, removing reviews or other content, ending a sponsorship, or blocking future submissions. We decide what action to take at our sole discretion.

Sponsorships

Sponsorship is an optional paid placement. To buy sponsorship, a listing must be Verified and listed in the directory for at least 180 days — both are required. Monerica does not sell sponsorship for listings in the Gambling, Medical / Pharmaceutical, and Pornography & Adult categories. Monerica may designate additional prohibited categories at its sole discretion.

Sponsorship is a paid placement only and is not an endorsement. It carries no guaranteed duration or outcome: Monerica may suspend or remove a sponsored listing at any time, at its sole discretion, without notice and without a refund — including for credible reports of theft, fund loss, scam activity, sanctioned status, association with other problematic services, or otherwise elevated risk to users or to the integrity of the directory. Eligibility, pricing, availability, and category rules may change at any time.

If a sponsor holds, freezes, or fails to return your funds, report it in a review on that sponsor’s listing within 30 days of when your funds were held. For reports made within 30 days, Monerica will contact the sponsor and seek a resolution, and may remove the sponsor if we believe they have violated their own terms of service.

After 30 days, we cannot advocate for you, because the issue was not reported promptly. Monerica is not a party to your transaction and cannot guarantee any outcome, but reporting quickly gives us the best chance to help.

No Warranty

The Site and all information on it are provided "as is" and "as available," without warranties of any kind, express or implied. Monerica does not warrant that the information is accurate, complete, current, or that the Site will be uninterrupted or error-free. Listing information may become outdated or incorrect at any time.

Limitation of Liability

To the fullest extent permitted by law, Monerica and its contributors shall not be liable for any loss or damage — including lost funds, lost profits, or any direct, indirect, incidental, or consequential damages — arising from your use of the Site or your dealings with any listed third party.

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law. Where liability cannot be fully excluded, it is limited to the maximum extent permitted.

Privacy

Because the Site requires no account and no KYC, we do not collect personal information from you in order to provide the directory. Aggregate, non-identifying analytics may be used to understand overall traffic and improve the Site. We do not sell personal data.

We store an email address only in these cases:

Newsletter: the email address you subscribe with, so we can send the newsletter.
Sponsorship and video sponsorship orders: the email address you enter at checkout, so we can contact you about your order.
Sponsor spot alerts: the email address you give when you ask to be notified when a sponsor spot opens.
Listing submissions: the contact email you include with a submission, so we can follow up about it.
Review notifications: if you run a listed business and turn on email alerts for new reviews, the email address you give for those alerts.
Business contact emails: for listed businesses, we may save a contact email address the business publishes on its own website and use it to contact the business about its listing or about advertising on Monerica. Every such email includes a link to opt out of further messages.

We use these email addresses only for the purposes above and do not sell or share them. You can request deletion of your information at any time through our contact page, and we will remove it.

Changes to These Terms

We may update these Terms from time to time. Changes take effect when posted on this page, and your continued use of the Site constitutes acceptance of the updated Terms.

Contact

Questions about these Terms can be sent through our contact page, and our PGP key is available for encrypted correspondence.