What is Moneda's relationship with MoonPay Enterprise (formerly Iron), and who am I contracting with for virtual accounts?

Moneda integrates with MoonPay Enterprise (formerly Iron), a licensed financial partner that provides regulated fiat account and payment services, such as virtual IBAN accounts and automated conversion between fiat currency and digital assets. To use these features you must complete identity verification (KYC) through Sumsub and accept MoonPay Enterprise's own Terms of Service, which are presented to you separately. Once you have passed KYC and accepted those terms, MoonPay Enterprise creates the required accounts in your name and you become its direct customer for those services. Moneda is not a party to that contract and is not responsible or liable for MoonPay Enterprise's services or performance. Moneda's role is limited to providing the interface through which you use them. Disputes about those services (account errors, delayed transfers and similar) go to MoonPay Enterprise and are governed by its terms, which may specify a different governing law from Moneda's Terms.